Benefits of Commercial Insurance Commercial insurance would be bought by different kinds of businesses or small business owner to make sure they have insurance that coverage all types of setbacks or losses. The type of coverage would most likely be damage to property, robbery, an interruption to the business or an injury to an employee or a guest that comes into the work place. These types of insurance will fall under workers...more
Using credit scores to set insurance premium rates When you look around your neighborhoods, it's hard to find any good news. Friends and neighbors may have lost their jobs or be on short-time. There are foreclosed properties on every street. Shops and businesses have been closing down with increasing frequency. These are the signs of a real recession where unemployment and poverty stalk the land. The cause of all this pain is not...more
The Secrets of a Public Insurance Adjuster After your disaster, make sure you keep copies of ALL receipts - even if you are sure that your insurance policy will not reimburse you for them. Keep a daily diary of what you and your family have experienced - what has happened since the disaster -where you have lived, how you got to work, how did your children get to school. What was your life like? The more diligent you are with your record keeping, the better position you will be in should you experience any challenges with your insurer. Most importantly, keep a written and dated record of every conversation you have with representatives of your insurance company. Include your insurance agent, the insurance company's numerous adjusters, restoration and repair companies, contractors building departments and accountants. Most importantly - do not sign anything. Keep your options open. Some insurance companies will act like they are your best friend after a disaster and may shower you with kindness and consideration. After a disaster, the first insurance company representatives to contact you are trained professionals - they know how to make you like them and...more
Insurance claims and premium rates The world of insurance is ruled by statistics. Actuaries collect all the information they can about every traffic accident in the US. Then, because everyone wants the most complete information possible, the insurers share the information about their own claims and the accidents they have found where...more
Getting your insurance on the web If you are a car owner, you surely know the deal. You need to get your favorite thing insured. It gets very complicated on the roads without insurance. There are too many people on the left and on the right, that can make a mistake at any hour or minute. You have to be prepared for anything. Your car...more
Insurance when you live out in the exurbs Urban sprawl never used to be an issue. Even though the latest development might be miles from where you work or the nearest shops, this was never a problem. Most families owned two vehicles. Some three or more. No-one walked. Everyone just jumped in the nearest vehicle and off they went without a second thought until the price of gas rocketed up. Now we have the credit crunch and a recession just bottoming out. Car ownership has become an expensive proposition. Too expensive for some who have been reborn as a one-car family to cut their losses. The first step in crisis management is to find out which of your vehicles is the cheapest make and model to insure. Now balance that against the likely costs of maintenance and repair over the next twelve months. And which will sell for the highest price? When you know which vehicle you are keeping, maximize the number of discounts on the policy, including bundling auto and home together with the same insurer. Except, one vehicle for a busy family may not be practical. What are the options? Many families talk to their neighbors and work out a carpool. This is reasonably easy to...more
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Watch Washington St. Cougars vs Arizona St. Sun Devils Online Game Coverage Over the years, Washington St. Cougars vs Arizona St. Sun Devils fans all over the world have turn out to be accustomed to watching Washington St. Cougars vs...more
Kids mostly spend their time in their bedroom so that it is essential to take the right step while going to buy the best furniture to furnish your kids room. The basic necessity of kid's room is their bed which require to be more comfortable. Finding...more
A Forgotten Type of Insurance Of all of the kinds of coverage out there, it seems that business insurance is one that is overlooked. Perhaps it is because it does not affect a majority of persons directly. However, this should not lure...more
Different Types of Insurance Companies There are multiple kinds of coverage corporations. While at times it may appear as if insurance is a burden, having insurance of any type would be a life saver. The most popular kind of coverage...more
What is better for you: Group Insurance or Individual Coverage? For many employees in Canada today there are attractive benefits through their group life insurance plans to purchase additional coverage. These plans offer additional...more