Most states will require a vehicle owner to obtain auto insurance. In fact, there are few states which to not have a law requiring motorists to obtain this type of coverage. These laws are enacted for the public's general safety and financial care. Few recognize how one accident can really put you in debt, but it can actually put you in financial crisis for the rest of your life if you are not prepared for it. While most states require auto...more
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In a modern society, it is sad to have to protect yourself against litigation. You would always hope people would naturally become more forgiving of mistakes and accept modest compensation for the losses they have suffered. Sadly, the US is one of the most aggressively litigious societies in the world and, for a small business, even a small claim can be the difference between success and bankruptcy. It is not just the value of any award of damages. It is the costs payable to both your own attorney and the attorney on the other side if you lose the case. Although it is an extreme example of the problem, you may remember Pearson v. Chung in which a judge sued his dry cleaner for a lost pair of pants. The amount claimed? Only $54 million. The problem was the $100,000 cost of the defense. Fortunately, public fund-raising covered those costs with the Chungs attorney acting pro bono in the appeal hearings. Not every attorney will act without payment. The public does not often rally round to help a small business. That is why you should review your insurance portfolio.In general terms, almost every business should carry property insurance, e.g. to cover fire damage, general liability to...more
Even if DePuy does approve a request for reimbursement of the amounts paid by a private insurer or Medicare to a surgeon or hospital, however, according to Rottenstein there are substantial, significant administrative costs that will be borne by the insurers. These costs inevitably are passed along to the companies' insureds. "DePuy has not...more
It is totally true that it is not easy to find an insurance that would suit your business criteria when your business is small. It is not easy but you can surely find what you want if you know how to search. Lets imagine you run a small company and you need to get health insurance for everyone. It may take several weeks until you start getting it...more
Business coverage can be quite hard to understand for those who have never dealt with it, or those who are making their first steps into entrepreneurship. Here are some of the most frequently asked questions concerning business coverage and answers to them:1. Should I disclose all the details about my business when getting it insured?The insurance company should be fully aware of your business's operations, assets and property in order to provide you with the right type and amount of coverage that would be reasonable for your enterprise. In most cases when the insurance company is misinformed about the activities and belongings of the business any insurance policy is canceled (sometimes with a substantial fine). 2. Do I have to show my wages?This information is required by the insurance provider in order to calculate the possible liability to others as well as the size of your enterprise.3. Is landlord insurance required if my business uses lent property?This entirely depends on your contract with the landlord. Some landlords will have all their property and buildings ensured with their own policy and this means that you do not need to insure it separately with your business...more
Most people think that tow-truck drivers make money by towing away crashed vehicles. Unfortunately this is not the case. Unscrupulous tow-truck drivers tow vehicles to their own repair shops. If the owner of the vehicle then refuses to use their...more
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Are you looking to observe Vancouver Canucks vs Ottawa Senators games online - via your Computer system? Just several years back, this was virtually impossible - but now right now, you've many great possibilities. It is really excellent that, because...more
What is the cheapest insurance company out there? This is usually what is on people's mind when they are actively searching for information before they purchase a new policy or renew an existing one. If you are the same, you have come to the right...more
Natural eczema treatments are becoming a viable alternative to traditional medicine. You or a friend could be affected by this very common skin condition. If prescribed medication is not working, you may want to think about trying these natural and...more
This could easily cost you many thousands of pounds, and could cost you your wedding. For the price of a couple of bottles of wine you can get a wedding insurance policy that gives you more than a financial safety net - it gives you peace of mind.How...more