Anyone in the painting business, whether it is as a single operator or a company, is well aware that there can be accidents when dealing with the public. It may be regarding personal injury or damage caused by the products being used. Anyone working in this area should have Painter Insurance which will cover these possibilities.One thinks of a painter as someone who just comes in, prepares a surface to be painted and does the job. However, there...more
Group life insurance plans is a kind of insurance plans which provides coverage for the lives of a small grouping of people for instance employees of an organization, members of co-operative, members of a labour union and the personal members of a family. Depending on the terms of this insurance plans, every one of the personal policy-holders occur below one master group policy, that is owned from the employer, the co-operative, the work union or...more
I asked Kristi (a 32 year old woman who suffers from an extremely rare, serious and disabling neuromuscular disease called Stiff-Person Syndrome (SPS), as well as Myasthenia Gravis and Gastroparesis) while I had her on the phone, "If she knew then, what she knows now, what would she do differently?" One of the first things she said was to make sure everyone had disability insurance.No one wants to think about being disabled, however, the reality is one third of all American's between the ages of 35 and 65 will become disabled for more than 90 days, according to the American Council of Life Insurers.What's worse is that one in seven workers will be disabled for more than five years. This is not normally caused by a freak accident, most of the time it is caused by illness.Disability insurance replaces a portion of your income if you become disabled and are not able to work. Check with your employer, they usually offer a group plan that will replace up to 60% of you salary. Supplemental plans and individual policies will usually cover more. Benefits usually last for a set number of years or until you reach retirement age.Long-term disability plans vary quite a bit. Some...more
There are several ways to get coverage on a family health insurance plan. One good way to obtain it would be through your employer. Many employers offer family health insurance plans at a greatly reduced price. The lower premiums are obtained by sharing the premiums with both the employer and the other employees of the company. There...more
Collector Car Insurance and Classic Car InsuranceIf you are fortunate enough to own a classic car - or one collectible automobile - next you like to ensure that your fate does not run dazed because of having imperfect insurance coverage. Call it covering your base - or covering your "asset" - but by all channel, call one of the major providers such...more
Many home loans require that the borrower maintain an impound account that is associated with the loan. In most cases this account is used to renew the homeowners insurance associated with the property. These payments for the new business and renewal homeowner's insurance policies are mailed out directly from the insurance department that manages the account. Often times the homeowner does not need to verify the amount paid or coverage on the insurance.With these payments being made without any effort be the insured, many homeowners are left with possible exposure regarding the coverage listed on the insurance policy. In addition, the insured will often be paying significantly more due to not checking the limits and premium on the policy. If the homeowner were to request quotes for the policies they would often times find that they can find a more comprehensive package at a competitive rate.Consumer should often check the coverage that is listed on their homeowner's insurance policy. The dwelling coverage should be based upon the current rebuild cost of the home. Over time rebuild cost will change with inflation, availability of materials, and other economic factors....more
In the competitive motorcycle insurance industry, insurance companies are developing more comprehensive insurance packages in order to attract new customers and provide an added value to their current customers.Many insurance companies...more
There is a common perception that working as an employee for a business is not very enjoyable. Whether or not that is true is debatable. However, there are two distinct advantages that employees have over people who are self employed; a...more
In a struggle to gain new auto insurance policies many insurance companies are making changes to the way that they structure the billing on new auto insurance policies. Historically, if a consumer wanted to change insurance companies...more
Many Americans have taken interest in restoring classic vehicles but when it comes to insuring them many of these classic car owners are unaware of the options for coverage. Many standard auto insurance policies are not designed to...more
As the interest in restoration of classic car restoration increase so does the amount of classic car owners that are in the midst of restoration of their vehicles. These classic car enthusiasts are learning quickly that it can be a...more
Have you even had to pay for a funeral. It seems like a shallow consideration at a time of loss. But paying for an expensive funeral can strain the finances of a lot of US families.These policies, also called funeral or final expense...more