Business owners' wealth is linked to their successful businesses, but they still have much to worry about in today's economy, including high taxes, litigation, and proper business insurance coverage. During this recession, business owners need to ensure full protection from any loss that could occur.Donovan Nowell, senior vice president of Willis Insurance Brokerage, reported, "At the end of the day, the head of a private company is the deep...more
PPI or Payment Protection Insurance, is an insurance plan intended to cover the consumer when that individual may be unable to meet his monetary obligations. It is bought in conjunction with a big value item such as a vehicle, a house, or (formerly) when registering for a credit card. PPI was usually incorporated as an element of a monetary package for the items listed above. Many consumers weren't even conscious they had bought it. The primary...more
So you think you have everything in place for starting your barn conversion project? You have organized your planning permission papers and you have your building insurance but have you thought about a renovation warranty, otherwise known as structural defects insurance?Maybe your builder, surveyor or architect has already advised you to take out a renovation warranty for your barn conversion, but if not wed strongly advise researching the benefits of having this structural defects insurance in place. Most mortgage lenders will ask to see your policy certificate before they will give you a loan.Your barn conversion will not be protected from most future Structural Defects Warranty by your basic building insurance and you could find yourself with a serious unforeseen expense if you find that there are structural problems with the building after it is completed. Your dream home could turn into your biggest nightmare if you have not taken precautions against bad workmanship on the part of your builder, defective materials or a design fault in your property.These structural problems could manifest themselves in many different ways. Perhaps you will start to see cracks appearing in your...more
1) Discounts.First of all, if you are over 65, do not forget to look into senior discounts when comparing travel insurance policies.2) Auto insurance coverage. Make sure to strategy ahead if you plan to rent a auto. Make certain that your car insurance coverage policy will cover you to rent at your destination.3) Travel hang-ups. Even though we all...more
Medical health care is one of the most important aspects of life. This is particularly because as humans we are prone to illness every now and then. As a result, we may be in need of health care at various levels depending on the extent of the illness. In the recent past, the number of highly complicated illnesses has skyrocketed. This has resulted...more
You might be genuinely concerned about losing your job or might be sacred that because of your ill health, you might not be able to work in the future. And, in such cases a PPI can be a good way of protecting yourself against any financial burden. However, make sure that you buy this insurance cover out of your will. There are chances that this was sold to you along with the mortgage, loan or credit card you took. If that has happened, then you are victim of mis-sold Ppi and you should go the legal way and file a claim.Many times the lenders, policy providers and the banks sell this product without informing the buyer about it. And, if you or someone in your family has suffered because of it and paid a huge amount of money, then by all means, you should reclaim payment protection insurance. If you are wondering about the reasons and the benefits of reclaiming it from your bank then know about the following points:Banks purposely hold up the process and might also blame the patrons: There have been cases, where the buyers have notified their banks about the Ppi being mis-sold to them. However, the later, deliberately delay their replies. They even hold back the required documents or...more
With thousands of businesses of all sizes dealing with business interruption and contingent business interruption claims following Superstorm Sandy, there is likely to be issues between business policyholders and insurers over whether interruption...more
In todays world, it is important to be able to use beauty products. Whether you are looking for lipstick, or general make up, or something else, it is a good idea to invest in products that make you feel like you are someone special. The bad news is,...more
There are a number of covers that are offered for a commercial combined policy, specifically designed for manufacturers and factory owners. ICBC Lawyers in Vancouver can guide you for the important Insurance covers that you need as per your factory...more
Your business is vulnerable to many things. For instance, what if your biggest client bankrupts or stops doing business with you, or what if the government changes policies which cause you major loss. These are some things which you cannot control,...more
Unfortunately, the time to decide whether you are happy with your insurance company is before you have to make a claim. Otherwise, you are stuck dealing with your current company until your claim is resolved. Fortunately, there are some tactics that...more
Just imagine that your house has been subjected to a natural catastrophe like a flood, or perhaps a storm. Also, imagine yourself stepping into the cellar only to find plenty of damage done due to water leakage. If you have large blanket coverage...more