To change the waiting period of time from the regular one month to three month or maybe half a year might be considered quite a good move, especially if you should have other source of income during that certain period of time.A good way to save on your insurance premiums is to actually allow the insurer to deny the insurance benefits which are based on the definition of disability. The best coverage is the own occupation disability coverage, but...more
When you are a self-employed there are many reasons why you should purchase self employed liability insurance. This form of insurance will protect you and your company from claims due to any type of damage or injury that may occur during the operation of your business. This type of policy provides coverage for legal expenses, medical expenses, and property damage on a twenty-four hour basis. Any business, no matter how small or large, should...more
Without self employed liability insurance, independent contractors are taking chances with their financial futures. Consultants and freelancers span all industries, but none are immune from lawsuits. Clients can sue for gross negligence, bad advice, damages or losses. Any member of the public can claim injury due to a product or service. Either scenario can result in the loss of personal assets if an independent contractor is not protected. The cost of litigation alone can be expensive. Court costs coupled with a verdict against the defendant and a sole proprietor can be monetarily wiped out. Insurance is designed to offset those possibilities.The most common type of self employed liability insurance is general liability coverage. As the name implies, it's an all-encompassing policy covering bodily injuries, personal injuries and property damage. Many businesses prefer, if not require, independent contractors to carry general liability. Policy rates are based on the exact type of work being performed, with low-risk business classes paying less in premiums than high-risk classes. In addition, policies may cover damages due to advertising products or services. Typically this involves...more
USA visitor insurance is known to be very expensive. The payments for the insurance premiums are too different to be born alone without any insurance to help. However, you cannot discount the fact that the effects of a major illness is something you have to prepare for. For tourists, the coverage generally includes all kinds of medical expenses...more
Tips to Find Affordable Health Insurance - Easy and Fast! With so many cheap, low cost, affordable health insurance choices being thrown at us all the time, it's hard to find one that is really going to be the lowest, most convenient and promising health insurance plan, without getting your pockets emptied.So here's a few tips that could...more
Homeowners insurance NJ is what many New Jersey residents are thinking about after purchasing new real estate. However, unless they have dealt with this type of insurance before, they may not know which policies to buy. Even worse is the possibility that they end up being overcharged on something that does not cover their basic needs. To resolve both issues, it is important to know the facts behind these policies. With this knowledge, you will avoid being duped. Any policy you buy will meet your needs while staying within your budget.With that being said, you should realize there are many policies falling under the "homeowners insurance NJ" umbrella. The most popular one is the HO-3 policy; it offers standard coverage for homeowners. Through the HO-3 policy, you are protected against most natural disasters, theft and vandalism. You also receive liability coverage, in the event someone gets harmed on your property. However, personal contents are not covered at all. To get them covered, you must get an HO-5 policy. It offers the same benefits as HO-3, while still protecting your belongings. A variant of this policy can be found in the HO-4. Known as contents insurance, it is designed...more
International travel insurance is vital if you are travelling abroad. You may be travelling to an alien country for a variety of purposes. Be it an exotic trip or a short business trip, you need to have a travel insurance to protect yourself during...more
Pregnancy Travel Insurance: A Must for the Traveling Pregnant Women Pregnant women are generally asked to do household works and to walk everyday. This comes within the primary pregnancy care. The question arises when they are to travel within...more
Life Insurance Defined If you have family or friends that are financially dependant on you, you need to have life insurance. It is known as a protection plan that replaces your income in the unfortunate event of your death. It will keep your...more
Vietnam Insurance Market Set to Post Robust Growth As per our new research report "Vietnam Insurance Sector Forecast to 2013", with limited penetration and huge potential, Vietnam offers ample opportunities for international insurers. The...more
Kentucky Health Insurance to Meet your Needs Kentucky health insurance is provided by the state for meeting various age groups and their diverse requirements. In fact, the purpose of the Kentucky Children's Health Insurance Program or KCHIP is...more
Travel Insurance- Necessary for All When you have planned everything for your traveling then it's very difficult to wait for a single day. And you want each of your plans to be successful as when you have invested your time and money it's not...more