Those who are having medical history should take precautions while in an alien surroundings and remain safe from falling prey to health ailments. The doctors report can tell the medical condition of the traveler and insurance companies will rely on that while issuing visitors insurance plan.Visitors Travel Medical Insurance While Abroad By: anubhav About the Author Visitors insurance plans cover the insured for...more
If you business has grown from a small number of employees having specialist a skill set and understanding of your businesses position and fundamental to the running of the business. Whether this be financial, technical, sales & marketing these skills may not be transferrable to other individuals in a timely maner, and therefore leaves the business dependent on one or two key individuals to ensure correct operation, maintaining cash-flow and...more
A hazard insurance policy is designed to reimburse you and the bank for damage to property resulting from fire and smoke, hailstorms, fierce winds, lightning storms, explosions, volcano eruptions, riot and vandalism, theft, water damage, and other so called Acts of God. If a tree comes crashing down on your roof from a wind storm or a burglar smashes your car window to steal your radio, your policy will fix the damage or replace the item. You'll even come across insurance policies that protect belongings taken away from your home such as in your auto or to work.The heart of your homeowner's insurance covers damage to your house and everything associated with it. But the basic coverage isn't adequate to give you full protection. You'll be given the option to purchase additional coverage for:1) Accompanying structures in addition to your home such as the garage, work shed, pool, extra guest unit, and other appurtenances connected to the land such as concrete walls, asphalt driveways, sidewalks, and chain link fences.2) Personal property like you're clothes, expensive art, fancy jewelry, rare coin collections, and high end electronics, up to a predetermined replacement value.3)...more
If you are on workers comp and are thinking about filing for social security disability, there are definitely circumstances in which you should not apply for social security at a particular time. It all depends, of course, on the facts of your workers comp case, where you are in your case (both medically and financially), etc. In any event, if you...more
If you are looking for business insurance there are a lot of things you need to consider, if you are unsure about anything then always consult a broker for advice.Business Insurance Hints and Tips By: Chris Roche About the Author Written by E-Commerce Manager of Think Insurance, Chris Roche. For more information on business...more
Admittedly, finding the correct type of insurance for your business may not be the single most important decision you ever make, but it certainly is one of the most important decisions you'll be faced with as a business owner. Failure to have adequate cover in place could lead to consequences you'd rather not want to think about right now.1. Failing to Realise the Importance of Having the Correct Type of Cover:Unfortunately this is a very common mistake between business owners, and one which is often unintentional. For example, if you run your business from home, you may well be under the impression that your existing building and contents insurance is good enough. To the contrary, the premises are being used for commercial reasons, and therefore they need to be insured as such.2. Not Understanding the Basic Issues:Many business owners simply lack a basic understanding regarding the complexities of business insurance. While certain aspects are relatively simple to understand, others are extremely complex, and unless you have an in-depth understanding of the subject, you'd probably be better off leaving it to a professional to deal with. Yes, buildings and contents insurance will...more
As a business owner, the well-being of your employees is your responsibility, and because of this, you are legally obligated to have the correct type of insurance in place.Many people who start their own business are under the impression that you can...more
Many people who decide to start their own business fail to realise they need to have the relevant type of insurance policies in place. For example, if you use your private vehicle for business purposes, it will need to be insured as a commercial...more
A common misconception among boaters regarding pa boat insurance rates is that the rates would be lower if they purchase multiple polices from the same insurance company. It is true that you would receive discounts on premiums but that does not...more
As a business owner you no doubt want to try and save money wherever possible, and as such, you may be tempted to try and get away without having adequate insurance in place. One thing to bear in mind however, it's illegal to operate a business in...more
When you own a business you have the responsibility for trying to keep unnecessary expenditure to a minimum. Who can blame you then if you feel frustrated at having to fork out a relatively large amount of money each year in order to purchase...more
The insurance companies would take special note of the safety measures installed in your boat as well as its age in order to judge the degree of risk they would have to cover. If you want to get a comprehensive protection for your boat then you must...more