Maternity Insurance - Words of advice from a Broker in HK After 20 years in Hong Kong as an insurance broker, I and my clients have learned the hard way the importance of the 'fine print' in insurance policies.The insurance policy contract wording is really important because, in the end, this is all we have to protect ourselves and/or your loved ones; in case the insurer wants to rely on the contract.Questions which we at...more
Commercial Truck Insurance Varieties To Be Aware Of Commercial truck insurance can seem overly complicated at first glance, but it's only because the truck industry itself is so diverse. It's not so complicated; there are just many specific types of insurance to meet the needs of various types of drivers (i.e. full-time, part-time, independent, salaried, and small business truck drivers).Anyone considering purchasing commercial...more
Commercial Truck Insurance: Bobtail Coverage For Independents Different commercial truck drivers have different needs. Some driver work part-time; some work full-time. Some drivers own their trucks; some don't own. Some work for large freight operators; some for smaller companies. The drivers that have full-time employment usually have their truck insurance needs covered by their employers. Their employers take care of all the necessary insurances to cover all of their different trucks, cargos, etc. Bobtail truck insurance does not usually apply to these drivers.Others truck drivers work independently or part-time, and without employers taking care of insurance needs, these drivers need to be concerned about insuring their livelihood. Usually these drivers own or rent their semi-truck, but as independent drivers, it is extra important to have the appropriate coverage and filings. These are the drivers that need to be concerned with bobtail insurance.These independent drivers know that when they are hired on a short-term basis, they will be provided with the federally mandated primary liability truck insurance that the motor carrier possesses. This coverage keeps them...more
Are You Tired of Overpaying for Insurance? Are you tired of overpaying for insurance? Have you thought there's probably a better deal or alternative out there? If you've had any of these questions, visit ZipQuote® today and get the answers. At ZipQuote® you can easily generate Free in depth insurance comparisons and quickly...more
Where Did Insurance Come From? The concept behind life insurance is pretty simple, really. When the person who has a life insurance policy dies, the people that the deceased has designated as beneficiaries will receive money from the insurance provider.But where did the concept of life insurance policies come from?Actually, this type...more
Staying In Business With NJ Insurance There are many kinds of NJ business insurance to take care of commercial insurance needs. Policies will vary from any number of factors such as industry and the specific type of policy needed such as auto, health or malpractice.A shipping company may need to cover a fleet of trucks while a delivery service may only need to cover one or two smaller vehicles. Professionals may need different policies than a small business that offers goods rather than services. In either case, it is important for each business to find the right insurance tailored specifically to that particular business.For instance, some states require professionals or small businesses to carry errors and omissions insurance. This coverage goes beyond general commercial liability to protect against lawsuits or other claims of negligence in order to protect the business' reputation. This type of insurance is useful because sometimes businesses are likely to face a lawsuit even if a claim is baseless. When a claim is found in the business' favor, it must still cover its legal defense fees. Professionals sometimes have this type of coverage if they work...more
Insurance In One Cost-Effective Plan When you are looking for insurance, it is a good idea to see if you can get the polices that you need lumped into one plan. It will be much more cost-effective this way because the company will be...more
Choosing Errors And Omissions Insurance In our ever-increasing litigation society, it is crucial for professionals to have reliable errors and omissions insurance. If you are in a field such as real estate, you understand the need to...more
Types Of Insurance Your Business Needs Business insurance NY business owners should consider needs to be put in place in order to keep the business safe from financial ruin due to something that is out of the owner's control. If you...more
An Overview Of Business Insurance: Any new company or business should start by purchasing at least the minimum business insurance required by law. The laws vary from state to state, so be sure to look into local laws before purchasing...more
Business Interruption Insurance Having business interruption insurance could be just as vital to your business as any other type of insurance would be in the event that you needed it Business interruption coverage pays for the lost...more
Best Insurance Jobs: What Are They & How to Get Them If you have been looking for jobs for some time then it is very likely someone or other would have told you to check up on insurance jobs. Insurance jobs, as the name suggests,...more