If you're running a small business, it can be difficult to know exactly what sort of small business insurance you do really need. So many different policies for so many different risks. And every time you think that maybe you should be insured for this or that, you're also thinking about the extra cost it's going to add to your overheads.As if managing a business didn't already give you enough to think about. And enough to spend...more
Teenagers and car insurance do not seem to go well together. When a teenager in the house gets their license, higher insurance rates are sure to follow. This is because statistically, teenagers are involved in a disproportionate amount of traffic accidents, some of them serious ones.The best way to protect your teenage while at the same time helping to reduce your insurance rates is proper driver education, training and practice.The reason is...more
If you're in the commercial transport or logistics field, getting the right level of truck insurance is massively important. The real crux of the issue is the level of service you're getting. If it's too much or too little, then you're effectively throwing money away. Finding the right truck insurance companies to get quotes is the first, and arguably most important, step toward making sure you are making the right insurance moves. Just remember that any time spent off the road is money lost.Very often, truck insurance companies are insuring not only the vehicle itself, but the business it provides. Or, more specifically, the work it allows you to do. Losing a vehicle for whatever reason could mean a number of consequences. You could lose money through failure to keep to designated delivery times and dates. You could lose valuable reputation, or perhaps its your time thats most precious, and sorting an awkward insurance claim is most certainly time consuming.The trouble is that failure to find and employ the right truck insurance companies will almost certainly lose you time and money in the long run. If youre looking to create a thriving business, you need to consider not just the...more
Motorcycles, just like any other vehicle, need insurance especially since they are popular with the younger generation who get thrills from speed and with speed comes the possibility of accidents. Motorcycle insurance therefore covers for the loss and or liabilities incurred in the event of such accidents.It is therefore important to consider some...more
Errors & omissions insurance handles claims a little bit differently than traditional insurance. Most insurance companies pay damages to physical problems, such as fire or an automobile accident. Errors omissions insurance is different from this in that it protects your business from mistakes made by a business or employees. The benefit of this...more
Receiving care from your doctor or local hospital is less burdensome and more productive if you have health insurance to help offset the costs associated with professional health care. When your deductible is paid, a small co-pay associated with most treatments and reduced prescription costs will reduce your overall out of pocket annual health care expenses.Having a health insurance plan includes additional benefits that the policy holder might not be aware of and will save on health costs for everyone. Under a industry practice referred to as reasonable and customary charges; the health care professional, be it the doctor or hospital, is ask to accept a certain amount for each service rendered and eliminate any amount exceeding this amount. Simply put, what they (the doctors or hospitals) are charging for services is too much and we (the insurance company) will only pay this amount.After the reasonable and customary amount is agreed on by all parties involved in these negotiations, the insurance company will pay their part of the amount and you will be ask to pay your part, thus paying the bill in full at a reduced amount. Should some of these services not be covered by your...more
Taking care of your old dad or mom would be a lot easier and effective with health insurance. You might think that Medicare covers the risk there is, but studies have found that on average, Medicare can cater to only half of the total...more
Endowment insurance policies can fetch thousands on the open marketplace and selling endowment policies is large company but do you realize the ins and outs?These complicated economic products combine life insurance and investment...more
There are many people around the country that are selling a relatively small number of cars throughout the year. They are clearly not selling as a full time business and may just be doing it to earn themselves a little bit of extra cash...more
Life expectancy of Australians has increased considerably, yet a number of people suffer from a major disease at some stage of their lives. A plethora of people face consistent financial problems while grappling with severe medical conditions. It's...more
Your wedding is a unique event, and a truly special occasion. Why on earth would you need wedding insurance then? It is entirely right that any couple planning to get married should be able to enjoy the experience absolutely and...more
What do you think about gay, lesbian and their same sex wedding? It is a hot topic and arguments supporting/opposing have no ending. Many reasons are there to oppose the gays and the lesbians. All religions are not same about the gay wedding and...more