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...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 field.Fortunately, there are some firms which are specialists in the field of professional liability...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 very important to understand that there are a million and one things that can happen when you are on the streets, especially riding a bike. You should also consider the fact that riding a bike is something we do because it is convenient and easier than having a car, but also because it gives a sense of freedom. The best way to ensure this sense of freedom is to make sure nothing negative happens. If you ride a bike for professional reasons, insurance can play a very important role as well.The first step to take before you decide on the type of insurance you are going to get is to find a good company that can cover your needs. Researching a package that has everything you need and within your price range can be very confusing and time consuming. If you want to save time, you can search internet sites and look for a company that can do this...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...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 until a particular age. In the event that you become ill, your policy will payout from when you are...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 simultaneously increasing their own retirement savings. The solutions ranged from traditional pension and profit sharing plans to more advanced strategies.Some strategies, such as IRS Section 419 and 412(i) plans, used life insurance as vehicles to bring about benefits. Unfortunately, the high life insurance commissions (often 90% of the contribution, or more) fostered an environment that led to the marketing and selling of aggressive and noncompliant plans.The result has been thousands of audits and an IRS task force seeking out tax shelter promotion. In addition, the IRS has been auditing most 412(i) defined benefit retirement plans and all 419 welfare benefit plans. These plans are sold by many insurance agents. For unknowing clients, the tax consequences are enormous. For their accountant advisors, the liability may be equally extreme. If an accountant signs a tax return with one of these plans on it, and if the IRS considers the plan an...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
To some lawyers, the intricacies of maritime law can seem complicated. To the injured seaman, these laws might seem confusing and overwhelming. If you are injured or get sick while working on a vessel on or near a body of water, it...more
Choosing an auto insurance policy is often considered to be all about the price of the policy. Sure you want the best coverage you can, and you want to be sure that you will get reimbursed for the types of accidents that are likely to happen to you,...more