Professional indemnity insurance for architects is truly a boon. Architects design buildings, if there exists a design mistake resulting in a substandard building, the damages might be tremendous, possibly running into a lot of money. In the absence of insurance protection, the designer cannot afford to pay for such enormous claims. When architects are protected by such policy cover, they'll be able to function in a stress-free environment. Also...more
Multi car insurance may end up to be equally less costly and far more practical than covering your own vehicles separately seeing that you have a solitary plan, a singular renewal date as well as a singular premium to buy.Multi car insurance includes merely the exact amount of cover what an individual get out of a typical solo car insurance plan. Precisely what helps make it different is a person cover more than a solo vehicle. The multi car...more
Employment insurance covers are used to offer protection to both employers and employees at different capacities. The employment practices liability insurance covers the employer against claims of a certain nature made by employees. The cover offers protection to employers for instance when employees claim that they have harassed them. Any upcoming payments are made by the insurance company. In cases where there are meritless claims from certain employees, the policy offers the efficient cover against such.Businesses may try to be fair in terms of employee remuneration and working conditions with due motivation to employees. However, there are other factors such as gender and age which may lead to miscommunications and employee claims. The epl insurance covers a vast lane of such claims. This insurance cover is however less standardized as compared to other insurance covers. Most EPLI covers are bundled together with the business owners insurance policy, though they may still appear as independent policies. Some businesses by nature are prone to employee claims, and hence there is need to assess your business type before taking up an EPl cover. The businesses which dont have much...more
Every new driver will have to follow the rules, in order to start driving on a road and enjoying their vehicle. All new drivers will need to purchase a policy which can cover any injuries, in order to drive right after you have received your driver license. Of course, the price will be higher than usual, because the price is based and calculated...more
Any number of things can go wrong at a job site. This is something of which all contractors who have been in the business for any length of time are well aware. This is one reason most reputable contractors carry various forms of insurance; protection against possible workmans compensation claims, injuries to non-employees and the possibility of...more
A worksite is by its very nature often a dangerous place. Despite the best precautions and regulations set in place by individual businesses and governmental bodies, an unfinished construction project is still inherently problematic when it comes to workers safety. It is for exactly this reason that most states require contractors liability insurance for contractors working within those states.In essence, contractors liability insurance offers protection to the business owner against two types of problems that may arise from a lawsuit against his or her company. To begin with, insurance covers damages should they be awarded to a third party over possible injuries or damages for which the contractor has been deemed responsible. This includes loss of property claims.Moreover, liability insurance will cover the expense of attorney fees, investigation costs, court fees and other legal expenses entailed during the course of litigation, should any occur. Considering how fast, and how high, these expenses can add up, a contractor operating without insurance could easily wind up in bankruptcy court simply to settle up the legal fees. The hard truth is, in fact, that these fees can easily...more
Every so often, I come across people who want to lie on their life insurance application because they know that a certain lifestyle habit or condition will cause their application to be denied, or result in high life insurance rates. Dont do it. If...more
Medicare is a typical type of health insurance that offers insurance as per the governmental rules and regulations. If you have a disease that does not come under the Medicare insurance policies, you have Medicare Supplement Insurance to help you...more
Car Insurance is usually meant for all categories of vehicles on road. Also termed as motor, vehicle or auto insurance. Their exclusive purpose is to provide you financial assistance against any type of damage to your vehicle such as accident, theft...more
Life insurance scams come in all shapes and sizes. They can be hidden in the most innocuous places, or shout at you from bright blinking Internet advertisements. Here are some glaring pointers that should let you know right away that you are or...more
Almost everything that we eat is broken down for energy and growth into glucose. This makes the hexose sugar an important energy source in the human body without which survival will be impossible. However, too much of something is rarely good!...more
Buying a life insurance policy is a step in the right direction when trying to get your financial affairs in order. If you are in the process of shopping around for a life insurance policy, there are more than 1,000 insurance companies to choose...more