If you are running any form of business, the chances are that you will have some form of business insurance in place. It might be just the legal minimum, it could be just the liabilities or you could have cover for your business assets and buildings as well. Apart from travel and marine cargo insurance, most forms of business policy are annual. They run from year to year, similar to your car and house cover. Surprisingly enough, there is no legal...more
Health insurance can be very expensive, especially if you are self-employed, yet it is necessary to have it in place. Sometimes, due to budgetary constraints, the tendency can be to settle for health insurance that is really too inadequate to be beneficial to either yourself or your family. However, there are some alternatives that can offer you better insurance coverage at a reasonable price. You may find that MD group insurance,...more
Professional Indemnity Insurance is more widely demanded than ever before, with professions from Accountants to Zoologists valuing the protection it offers. However, Professional Indemnity Insurance is complex and unlike most other types of insurance so it is important that policyholders understand how their cover works.When deciding if a policy is suitable for your business consider the following:Professional Indemnity Insurance is written on a claims made basis. This means that if you need to make a claim there must be a live policy in place and you must claim on that policy, even if the cause of the claim dates back many years when a previous policy or no policy was in place.Because of the claims made nature of Professional Indemnity Insurance, if you do not maintain cover then you will not be protected if a claim comes out of the woodwork. Therefore if you retire or cease trading you should consider run-off cover that will ensure protection continues. If your business merges then you should ensure that there is continuity of cover.Again, because Professional Indemnity Insurance is claims made, insurers may not want to expose themselves to the risk of any past mistakes being...more
Professional Indemnity Insurance (also known as PII or Errors & Omissions Insurance) has long been used by the traditional professions, such as Accountants, Solicitors, Surveyors and Architects, to give them protection should they be accused of making a mistake. Today there are an increasing number of professions that benefit from the cover and...more
For some people one of the biggest draws to going on holiday is the chance to try out new and exciting activities such as extreme sports. Of course, there's a significantly higher risk involved when you take part in these kind of sports. Travel insurance then, can be a valuable investment if you're planning on having an active and exciting...more
When you think of buying insurance, the first thing that comes to mind is a well known company, one that is widely advertised, playing a television commercial every five minutes. While widely known can be a good place to find insurance, sometimes they are the best place to go, but there are other options. There are two types of agents in the insurance business, independent and captive. Agents that are captive are those who work for the well known insurance company's, and independent agents are those who have multiple companys they can sell for. either agent can provide you with insurance, but the independent agent often times has more options for and your situation.Exclusive agents are basically what their name implies; they sell insurance for just one specific company. They can only sell what the company offers. For instance; you may be looking for car insurance but you have a ticket on your record. Your captive insurance agent has to give you a higher premium because that is what his company offers. He does not have the option to shop around for you, to get the best rate possible because be cause he is a captive agent for that company. Your options are to take what he is...more
At some point next season you will be planning to take your household on vacation. Nonetheless, what you must not be influenced to do is steer clear of getting some kind of insurance coverage just because you imagine it costs so much or perhaps a...more
For senior citizens that are in will need of wellness care companies, such as assisted dwelling treatment, there are particular alternatives accessible for them to offset the gaps in protection from Medicare. 1 this kind of choice is...more
For senior citizens that are in need of well being attention solutions, such as assisted living care, there are sure choices offered for them to offset the gaps in protection from Medicare. 1 such selection is Medigap which can spend...more
So, when it comes to insuring your vehicles, you will often not have a great deal of time for shopping around. Most insurance companies will have specific packages for couriers and it is often easier to take out a policy with the first one that...more
Our plumber insurance policies provide comprehensive cover to self employed plumbers and plumbing contract firms.low cost plumber insurancefrom just £161 pa, underwritten by Brit Insurance, one of the UK's top insurers. Why not see how...more
As a self-employed tradesman, you know that in a competitive world you're only as good as your last job. So you take great care to ensure that nothing goes wrong.But don't be fooled into thinking that you can do without plasterers...more