The opportunity to work from home or be self employed in general is considered a blessing. However, that same blessing brings responsibilities that you would not usually have to deal with working at a regular 9-5 job. One of these responsibilities is having self employed liability insurance. Working as an independent contractor or simply being self employed means that you are responsible for insuring yourself. Life can take many turns and having...more
Is a Free Insurance Quote in Reality Free if You Pay with your Solitude and Personal Data? Detroit – Sophia of Detroit needed to go looking for auto insurance last week after buying a new Toyota Corolla, so she went online and forwarded her personal information to one of the thousands of insurance quote websites, hoping to get back instant premium information. Unfortunately, her consumer horror was about to commence. What she didn't...more
What is CA Workers Compensation Insurance What is CA Workers Comp Coverage?CA Workers Comp coverage overview. Away from family home, the workplace is the most common place for any individual to be injured. For that reason, all states have passed laws and regulations requiring employers to manage certain losses that take place on the job. This means that, states have come up with a statutory (written or enacted) duty to provide coverage (CA Workers Comp).The CA Workers Comp And Employers Liability Insurance policy is required to provide insurance coverage for a company's statutory liability (coverage responsibility) under a CA Workers Comp Act. It typically consists of paying for medical treatment and disability. It also handles legal cases from injured workers that fall outside of the CA Workers Comp Acts.Essentially a CA Workers Comp policy responds to mandatory benefits regarding accidental injury that occurs during work. But bear in mind, the injury must also be related to the injured person's duties. Additionally, the policy also covers expenses related to disease or death that could be a consequence of the accident. In the event the employee's injury fails to qualify...more
IPhone Insurance - I've Lost My IPhone - How Can I Get It Back? Have you just recently purchased an iPhone? Perhaps you've only recently started to personalise and customise it to your settings and requirements. You might even have a picture of you and your mates set as the background image. It's a great way of keeping in touch with...more
The Significance of Conducting Travel Insurance Review The smart thing to do when planning any kind of trip, whether business or pleasure, alone or with company, is to undertake travel insurance review. This way, you get the best policy for the best price. This way, you will be covered for any trip, any where, and under any...more
Is it possible to get health insurance for unemployed? Yes it is but you must look into the previous health insurance offers of the company you worked for. Some companies can protect terminated employees through the COBRA (Consolidated Omnibus Budget Reconciliation Act) mandate. He COBRA states once an employee has resigned or was terminated are still eligible in getting Health Insurance Benefits from the company within the next 18 months. But, you still have to pay the premiums to your company and since you are not an employee anymore, you will pay more. Not all companies fall under the COBRA, some might be too small of a company causing the terminated and long term unemployed employees to be excluded in the COBRA mandate. In addition, only 7% of the unemployed can afford to continue the COBRA because it is becoming more expensive.So what are the other health insurance for unemployed can they apply for? First is to apply for an individual health insurance. Getting a private insurance might be cheaper for you instead of paying the premiums to the group medical insurance in your company. In this type of insurance, your family will also be considered which is why you can get lower...more
Why Do Professional Indemnity Insurers Have To Ask So Many Questions? Yes, it is the case that if you're looking for professional indemnity insurance, you will need to answer a number of questions before a policy can be issued. (Although it...more
Today, more than ever people are finding they can work for themselves. Many enjoy the freedoms that come with being your own boss. As the person that is responsible for the company, you want to make sure that you include self employed liability...more
Insure Your iPad and iPod If there's one device that defines the current generation, it is the iPod, with the iPad following close behind. In fact, the popularity of these devices has transcended generations, with even computer-phobic baby...more
"I haven't got time to worry about things like: professional indemnity insurance" Imagine a client sues you on the grounds that a mistake you've allegedly made constitutes negligence. Would you have the time to prepare and...more
As the economy continues to sputter, people start to run out of unemployment benefits and job prospects are slim, more people are considering self-employment. Whether this be as an independent contractor in a particular field or opening their own...more
Self-employed liability insurance is insurance used to provide the self-employed with protection against lawsuits. General policies are available and can cover instances of libel, and slander, as well as many other types of potential lawsuits....more