Insurance is considered as an integral aspect of our lives. it means you can live life without worrying about anything. Many believe it gives us the freedom to experiment and opportunity to recover from mistakes in the past. Insurance needs vary individual to individual. If one intends to drive a car in the US, one needs to avail automobile insurance or liability insurance. Similarly, if you intend to purchase a home and apply for...more
You can look through the Internet all day trying to find the best insurance policies available to you and not even get close to seeing all of them. There are hundreds of health care agencies that are willing to sell you insurance, but this is not an area to enter if you are not an expert on the issue. You know what you need as far as coverage, but the websites can be vague and you don't want to sign your safety over without knowing exactly what...more
You've got pen in hand, ready to sign a new client contract, and then you glance at the fine print. It says that to get the work, your IT business needs to carry five different kinds of insurance. That can't be right! Or can it?If you've already got E&O, general liability and small business property insurance, aren't you insured for just about everything? Why would you need to get workers' comp and employers' liability, too?Besides the fact that many states have laws that require companies with W2 employees to carry workers' compensation coverage, these policies simply provide coverage that other types of business insurance don't. To protect their own interests, your clients want to be sure that you're protecting yours.Liability vs. other types of insuranceFirst, it's helpful to understand the difference between a liability policy and other types of insurance coverage:• Liability policies are designed to protect your business from the high cost of covered lawsuits or similar insurance claims, and any settlements that a court orders you to pay as a result.• Other types of commercial policies, such as small business property or workman's comp insurance, reimburse...more
If you have run into a plumbing problem in your home, it may be time to call your insurance company to file a claim. No one wants to run into these problems, but sometimes, you just have to make the best of the situation. If you can isolate the problem and stop the issue you can call someone to set up an appointment. If it is an emergency and you...more
You might be thinking about starting up a cab company and there is nothing wrong with that. Cities need taxis, especially considering that in some cities it is nearly impossible for one to drive a personal vehicle on the streets and for this reason most people look for cab companies. You can be their relief from walking, taking the bus, or...more
It is extremely wise to have the correct insurance if you are a bar owner. Running a bar requires plenty of planning and organisation and this includes bar insurance. Any bar owner selling alcohol to the public will be well aware of the risks involved. Undoubtedly for the owner the working day will be very hectic, however, this should not mean that any insurance policy is overlooked.Every bar is different in size, however, most have their busy periods throughout the day. Many employ staff and have regular suppliers visiting the premises who provide alcohol, snacks and food. Customers can differ too, depending on the location of the bar, but whatever type of premises you own there are hazards to be aware of. Needless to say customers drinking too much alcohol can cause trouble. This may be among themselves or to staff members including yourself, which may result in personal injury. With many bars serving hot meals during busy periods, dropped food can create a slippery surface. Loose fixtures and fittings, wet floors and poor lighting can all lead to potentially dangerous scenarios. If a customer suffers from an accident which results in personal injury he or she can...more
People nowadays are used to having big cars with a lot of HP and fast 0-60 MPH times so that they can enjoy the most out of their lives. But what happens when something goes wrong with your 1.4 million Euros Bugatti Veyron Blue Centenaire? Whos going...more
A social club is defined as a place where a group of people or their meeting place is formed around a common occupation or activity. They can range from sports clubs, working men's clubs or snooker clubs for instance. Whatever type of...more
As one who knows, nothing can prepare a family for the loss of a loved one. The hole that is left in our lives when the unthinkable occurs is a physical presence that is felt daily. Sometimes we know death is coming, other times a loved...more
One area in the LGBT hospitality business you do not want to skimp is insurance. Insurance can protect you and your business for a myriad of problems, from broken equipment to liability lawsuits. Depending on where your establishment is...more
Here are six things to keep in mind when looking for a new or upgraded insurance policyMake sure your insurance agent is an expert in nightclubs and/or bars to ensure he or she fully understands your business, or consider hiring an...more
Should you own a car and are interested in finding affordable auto coverage, then you can get free insurance quotes online. This is a way that you can save yourself plenty of time and money by using the many websites that auto insurers provide over...more