Most people own several different types of insurance but seldom think of saving money by combining them. Lots of agents will actually recommend doing that to save you money, and to ensure they have your business in several areas of insurance.Homeowners need to have insurance for both house and contents. It is always best if insurance policies for both are taken out with the same company. There are three main reasons for this; it will work out...more
If you are an individual or company that provides various services to a client in return for a fee, you have a need for e&o insurance. While most business owners understand the important of property insurance, tenants insurance, general liability insurance and workers compensation, many overlook the need for e&o insurance coverage. Because the plan is also referred to as Professional Liability Insurance, a common misconception is it is included...more
If you're in college, or you have a son or daughter who is in college, you know how hard it can be to make sure you're protected from the costs of a car accident. That's why it's important to have good car insurance coverage. But how do you find good college student auto insurance that is still affordable? Everybody knows that college students don't have lots of extra money to spend on things like accident coverage and insurance premiums. But with a little planning, you can still get a great policy at a low price.Types Of Insurance First, you need to understand what auto insurance is. The most basic type of insurance, liability coverage, only protects you against the costs incurred to other vehicles from an accident you cause. Liability coverage is required in the US for every driver, and so to be legal you need to have it. However, it only covers a small part of the costs of a vehicle accident. Most people need much more coverage, and it's especially important for many college students because you don't want to graduate with a bunch of debt caused by an accident.It's an unfortunate fact that many university towns are also good places for thieves to steal cars. College student auto...more
If you need engineers insurance, you really need to know that you are dealing with professionals. After all, engineers professional liability insurance can be difficult to understand, and in order to find the best deal possible you must only speak to a company which has plenty of relevant experience in this very specialist insurance...more
Getting the best available motorcycle insurance is of the upmost importance if you ride a bike. There is no reason at all to take risks in these issues as the more things you can cover, the easier it will be for you to ride freely.Insurance is wrongly related to an amount of money you have to pay for no reason. However, this view is wrong. It is...more
Yes, your bike tells the world you were born to be wild; but as you get your motor runnin' and head out on the highway, your bike insurance ought to reassure the world you also were born to be prudent and wise. Working with a full-service bike insurance broker, you secure all the coverage you need at the lowest possible rates.You understand how many different ways riding a bike puts you at risk. Motorists do not look carefully both ways as they enter intersections, so they frequently fail to see approaching motorcycles. Whether the bike rider hits the car or the car hits the bike rider, the results inevitably are nasty and expensive. Similarly, motorists do not turn to look in their blind spots, so they frequently swerve into or cut-off motorcyclists. Large SUVs and mini-vans have exceptionally large blind spots and practically no rear vision, so that motorcycles become almost invisible to multi-tasking soccer moms and dangerously distracted dads. On the motorways, minivan and SUV drivers' careless lane changes frequently drive motorcyclists onto soft shoulders or narrow median strips. Given the element of speed in motorway crashes, cyclists sustain far more serious injuries...more
Work out a budget You may be tempted to take out as much cover as you can, but if you dont really need it, you may find you will be paying for something unnecessarily.Decide what age you wish to retire Most Income Protection policies will cover you...more
By Lance Wallach, CLU, ChFC and Ira Kaplan, Esq., CPA, MBAOver the past decade, business owners have been overwhelmed by a plethora of arrangements designed to reduce the cost of providing employee benefits and taxes, while...more
Statutory audit preparation is critical, particularly at the corporate level. It's essential to have a full-spectrum statutory audit function in place at all times. Self insured businesses require a complete information system based on formal...more
Its what you work hard for all year. That precious week or two away. Now it is all booked and you cannot wait to get away. You have put the date on the calendar, although you are hardly likely to forget it. Maybe there is one thing that you have...more
Home insurance includes building and contents insurance. These are two separate insurance policies that are often sold with each other. Buildings insurance provides cover for harm to the building. Contents insurance provides cover for contents...more
Business owners can greatly benefit from having commercial insurance. This type of coverage helps a business in many ways, including protecting them from liability. If a product, service or contract goes wrong or causes injury to a...more