Picking The Right Insurance Program

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Most aspects of capitalism is win-win. If employers make a lot of money from workers due to increase of workers productivity, those employers will hire as many workers as possible -- increasing workers' salary.

Hence, in most aspects of capitalism, people try to profit from others in any way they can.

However, not all aspects are win-win. If same shops sell the same product at a different price, of course, you'll pick the cheaper package. In this case, picking a package that makes the shop profit more will tend to hurt you.

The same thing works for insurance. A good rule of thumb on whether an insurance package is good for you or not is whether the insurance program makes a lot of money doing it or not.

No, I am not advocating that such huge profit should be prohibited. To the opposite, when an insurance company makes a lot of money, then they'll invite competitors that'll shift their profit back to you. Free market is still the best in this area. I am advocating that you don't buy such insurances.

The same way, I am not advocating that merchants shouldn't make a lot of money selling their products to you. I am advocating that you should buy from the business providing the best product, and service, at the least costs. That's how capitalism works.

The following are insurance programs where insurance companies make a lot of money. Hence, avoid these programs like plague.

Flight Insurance

The safest way to travel is by airplane. There is a statistic that says that if you travel by airplane every day for 1000 years, you'll probably get a plane crash once. Even then, you'll survive. However, plane incidents are always reported on TV. That causes fear. Humans act based on emotions and feel that flights are much less safe. Not only that, you also have life insurance covering your life.

Mortgage Life Insurance

I have found out that you're better off buying term life insurance. Again, in general, insurances that are mixed with something else, like mortgage, or savings, are usually bad ideas. The more things are mixed, the more consumers are confused. The more confused the consumer, the more money insurance companies make.

Credit Card Lost Prevention Insurance

By law, your lost is limited to $50. So don't buy.

Accidental Death Insurance

Stick to regular good old term insurance. The probability that you'll die due to accident is lower than you think.

Rental Car Insurance

This is also another rip off. Insurance companies make too much from this. Chances are, it's already covered with your regular car insurance. Think of it this way, you use your car for a whole year. If you rent a car for 1 day, then the probability that you will have a car accident within that 1 day should be around 1/365 of your regular car insurance. However, rental car insurance is sold at much higher price than that.

Children Insurance

"Mommy, our kids are dead, I am so sad. But fortunately, we got them insured. So we got cash." There are only two ways why you should buy children insurance. First if your child is the bread earner of the family. Second if you plan to hack them into pieces. I'll explain more why when we understand the true nature of insurance on http://FasterFinancialFreedom.com/art.390.0.html.

Identity Theft Insurance

The hassle of going through claiming the insurance coverage is better spent on checking your free credit report.

Insurance, Risk, and Investments

Every time you put $1 in an insurance, you'll probably get $.50. The other $.50 goes to the insurance companies and to their seller. Most of the time, the ratio is even higher.

For example, say you buy term insurance for $1 million. Say you paid $2000/year for that kind of insurance. Then I bet, the insurance companies know all along that the probability you're going to die that year is only 1%. Hence, the insurance companies make $2 for every $1 they pay in claims.

The more complicated the insurance, the larger the ratio. In permanent insurance, for example, insurance companies probably make $5 every $1 they pay.

You can't win in insurance by buying more insurance. Your true gain doesn't come from the higher expected value of your return. Your gain comes from increased stability of your business. Say you have a lot of houses that's all in the bank. Say one of them is on fire. Then a $100,000 lost can cost you way more than $100,000. Perhaps it'll force you to fire sale your other houses at cheap price. You see how financial instability can knock you out of business? Insurance addresses this.

Also, with insurance, your income from year to year becomes smooth. Women like stable income. IRS are more lenient towards stable income too. You'll pay less tax if you earn $50,000 per year for 10 consecutive years than if you earn $100,000 per year for 8 years and lost $150,000 per year the next 2 years. The former case will put you on lower income tax bracket and relieve you from paying the tax on the extra $50,000/year that you're going to lose.

So what are the tips?

Do not over Insure

Remember, the benefit of insurance is stabilizing your income. If you over insure, your income will be instable again because you'll actually make more money if your house is on fire than if it stays in charge.

Now, some people love to over insure. The only time this can be profitable is if you plan to burn your house. This is illegal, however. Insurance companies understand that those who are over insured are less likely to guard his house well, observe fire codes, and so on. So, they charge much higher premiums.

Keep the Co-payment Threshold High

In many insurances, you pay the first $10,000. The insurance pay in addition to that cost. Say you wreck your car. Say the cost is $5,000. You pay for it. However, if the cost is $100,000, then you pay the $10,000 of the cost, and the insurance pays $90,000.

Why is the co-payment high? First, insurance claiming is not easy. There's a lot of fraud going on and there's a lot of administrative processes that need to be done. If the insurance company puts the administrative cost to the claimant, they'll lose customers.

"Oh I lost my house, but I have to cough up even more money to get money from my insurance." Only governments can do such cruelty and stay in business.

So what do insurance companies do? They put the administrative cost in the premium.

So the premium becomes high. After all, if your loss is small, why not just pay for it? Saving the lesser premium in investments will be more than enough to pay small losses without losing your financial stability.

It's also never a good idea to file a claim for small losses. Filing such claims will make insurance companies mark you as a high risk. Hence, they'll raise the premium even more.

Sell Life Insurance Policy

The problem with term life insurance is you receive it after you're dead. Well, sometimes you can get your money before you die. That process is called viatical settlement. It'll only work for those whho are terminally ill. So an investor pays a reduced version of the coverage. After you die, the investor gets the coverage from the insurance company.

Jim Thio is a silver medalist in International Physics Olympiad. He uses his Math skills to provide free financial, business, and marketing advices in http://FasterFinancialFreedom.com/art.390.0.html
Article Source: http://www.articlesbase.com/finance-articles/picking-the-right-insurance-program-17189.html
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In Need Of Life Insurance Advice

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Youve finally made the decision to purchase a life insurance policy. Good for you! And good for your family, too. Making the decision to purchase a life insurance policy may seem like the hardest part, but its actually just the first step in the decision-making process.

You see, there isnt just one kind of life insurance policy available. Purchasing a life insurance policy can be much different from purchasing, say, an auto insurance policy in which case you can decide on purchasing simple liability coverage, or full coverage, and a high enough amount of auto insurance to cover damages resulting from everything from car accidents to theft.

With life insurance policies, while there are also two main kinds term life insurance policies and whole life insurance policies the two are very different in what kind of coverage and extra benefits they offer. Term life insurance policies cover you for a certain period of time, while whole life insurance policies cover you for the duration of your life and thats just the tip of the iceberg when it comes to the differences between term life insurance policies and whole life insurance policies.

The bottom line is, once youre ready to choose the kind of life insurance policy you want to purchase, youre probably going to need some advice.

There are a few ways to get good advice when it comes to purchasing a life insurance policy. First, do some research on both term and life insurance. Find out exactly what each kind of policy offers and make notes.

Next, talk to friends and family members about which kinds of life insurance policies theyve purchased. Theyll tell you what works for them and why, and this will help you determine what might work for you.

Finally, talk with insurance agents who specialize in selling both types of policies. Agents are trained professionals who can offer advice based on the coverage you need.

Article Source:http://www.articles321.com


http://www.myquoteguide.com/Car-Tips.shtml http://www.ezquoteguide.com/home/ http://www.ezquoteguide.com/car/

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Documenting Insurance Claims - A Very Good Idea

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"The insured is our enemy, depreciation is our friend." This phrase was written on the blackboard by a student on the first day of one of my classes at the most prestigious insurance school in the country. The instructor erased everything at the end of every day, except that phrase. Too many honest and unsuspecting insurance holders with legitimate claims have found that their insurance company doesn't want to pay out when the time comes - and most, though they may try to fight the insurance company, end up with the short end of the stick. After all, insurance companies are out to make money, and sometimes, the bottom line means that they will try to deny a legitimate claim. Even if you have "good insurance", you should still use caution when involved in a dispute over a claim.

As a public adjuster, the number one complaint I hear from policy holders with a claims dispute is, "the adjuster lied to us." What's my advice? Never believe what an insurance adjuster promises or tells you until you see it in writing or have it tape recorded. Plan as though you are being set up (because you may well be). An insurance agent's strategy is often to delay giving you any "bad news" until he has his own file documented.

Keeping a written record is crucial. Pay close attention to adjusters, especially in the beginning while you build your file. Get everything in writing and fax your letters. Even a hand written note on notebook paper is better than nothing. Now there is a record and the adjuster is legally bound to answer your questions or concerns.

In California, an adjuster has 14 days to respond. Most states have the same regulations. Do a Google search like "[your state] Fair or Unfair Claims Settlement Practices Regulations. You can also go to findlaw.com or your own state insurance department website). You can have your faxes sent to an office supply store and they will hold them for you. The bottom line? You are less likely to be cheated if the adjuster has to put his denial in writing.

When in the midst of a dispute, force yourself to screen your calls. Get an answering machine. Never pick up the phone until you know who it is. Never answer the phone when an adjuster calls, especially if you are expecting a big decision. Let him leave a message on your answering machine and copy the tape recording if it is important, such as a promise to do something. A clever adjuster may prefer to respond by calling you instead of putting it in writing. Now, you have a legal tape recording that can be used later to either bring pressure to bear during the claim, or as evidence in court. You can't tape him if you are on the phone unless you ask his permission first. I have never had an adjuster or supervisor agree to let me turn the recorder on. Adjusters don't mind tape recording you, but pull out a tape recorder or video camera when they show up to inspect your house and many will turn around and leave if you don't put it away. It is important to build a file in case you have to play hard ball later. Putting your requests in writing can also make an adjuster think twice before sticking it to you. In the words of my mentor, "Give an adjuster enough rope, and he will hang himself."

If you have an important conversation where the adjuster promises to do something and you fear he may not keep the promise or put it in writing, follow it up with a letter stating "Per our conversation on [date], you said ...". If the adjuster fails to respond, it can be construed in court that since he did not object, he must have made the promise.

These tips will help you in the event that an insurance company tries to deny your legitimate claim - which happens more often than you may think.

This article is an excerpt is from one of many insurance claim guides written by Ron Cercone and available at his official site, UClaim Insurance Claim Advice. Ron is also a contributor to the free information site Insurance Claim Help.

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Insurance and Your Claim - Will They Pay For It?

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You've poured over your policy wondering, "Will my insurance company pay for repairs?" Insurance policies are complicated and filled with jargon that's often difficult for the policyholder to understand. Even if you understood what the terms used actually mean, policies are also loaded with exceptions and exclusions. By the time you've read the policy from cover to cover, you're left with the same question - will they pay for it?

To further complicate matters, even if a loss is covered, the policy most likely includes a deductible as well as coverage limits. Depending on the nature of the loss, multiple insurance companies may be involved. For example, if a storm strikes and you have both wind and flood damage, you may have to file a claim with your homeowners insurance for the wind damage and another with the national flood insurance program (if you have flood insurance) for the water damage.

Depending on where you live, your deductible may be higher under certain circumstances. For example, in Florida, your deductible for hurricane damage is much higher than if your home was burglarized.

So, will your insurance company pay or won't they? Look at it this way, insurance companies DON'T want to pay. They are in business to generate profits and will need to be convinced BY YOU that the claim should be paid. The burden of proof lies on you, the homeowner. This means that you will need to prove your case and do it well. The better prepared and more organized you are, the better.

Start with documentation. You may need to take dozens of photos and provide your insurance agent with detailed estimates to counter against the insurance company's original settlement offer. You may need to demand to see how the agent depreciated your property and negotiate a more reasonable method. While your homeowner's insurance policy is a contract, the claims process does provide room for negotiations.

Your best bet is to be prepared for a fight. Your tools in this battle include a detailed home inventory, digital photos and video documenting the damage, estimates from local contractors, and a willingness to demand a better offer. You don't have to do this alone. In fact, many contractors are willing to be present during the insurance adjuster's visit to help point out damage that the adjuster might have otherwise ignored. In addition, public insurance adjusters act as advocates for the homeowner and work on your behalf to negotiate a higher settlement offer.

Arm yourself with knowledge, documentation, and real-world estimates while also considering professional representation and you'll be better equipped to answer the question, "Will they pay for it?"

Mr. Mark Decherd
1415 Colonial Blvd.
Fort Myers, Fl. 33907
Water Damage

Mark Decherd - EzineArticles Expert Author
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How Much Disability Insurance Will You Need?

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There are a lot of questions when it comes to disability insurance, but you will need to know what type of disability insurance will cover your needs when you cannot work.

The Factors And Costs Of Disability Insurance

The recommendation for disability coverage for an average person is a policy that will replace at least 60 to 70 percent of your total taxable earnings. And if you want to purchase disability insurance with your dollars after taxes, you will be able to get tax-free benefits. But, if you are getting disability insurance through your employer, your plan will probably be subject to taxes. This all depends on how you want to pay for your insurance plan.

The concern that many people have is whether they should get long term disability insurance on top of their existing disability insurance plan. The answer depends upon the risk that you have for becoming disabled. If you work at a dangerous job that can easily kill or harm you during the course of the day, you will probably want this extra coverage.

Small business owners also have to choose what type of disability insurance that they need because they need to have something set in place that will help them out when they are no longer able to run or to protect the business if the owner becomes disabled. Overhead expense policies are something that a small business owner should look into if they want to help protect their business in case of a situation where they become disabled.

How To Determine The Amount Of Coverage That You Need

The best way to determine how much of a benefit that you would need if you had to use your disability insurance is to ask yourself how much monthly income would you need to cover your living expenses. And if you are disabled, you will want to make sure that you take into consideration whether these expenses will fluctuate due to your injury. You will also need to consider the high medical costs, lower work expenses and any expenses that you will need in order to retrain for a new job. And if you are unable to work again at all, you will have to look for another way to get disability payments beside the short term policy that is offered by your employer. All of these factors will determine how much coverage that you will need from your disability insurance.

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Small Business Insurance Do’s And Don’ts

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When you are starting a small business, there are generally ten things you want to do when it comes to small business insurance. And on the opposite end there are also ten things which you should not do when looking for small business insurance.

Ten Things To Do

Have an insurance agent signed on right from the initial start-up to give you a clear picture of small business insurance policies you will need and to have these policies in place.
Find an insurance agent who can handle all the insurance needs for your business.
Be sure to include “Commercial Umbrella” coverage, also known as excess liability insurance, in your small business insurance coverage
Using a broad form of business property insurance ensures everything is covered.
Find a good health insurance policy within your means to attract quality employees
For a business which already has employees, consider carrying employment practices liability insurance to guard against employment suits
Maintain a clean and safe environment within your workplace to hold down suits and insurance costs
Be sure to include all tenant improvements that you make in your property insurance
Make sure your small business insurance grows with you and covers your business as it grows.
Maintain a buy – sell agreement with all partners in the business, which is funded by life insurance, in the event of the death of a partner.

Ten Things To Not Do

Do not self-insure any part of your worker’s compensation ever, you can’t afford the risk of not having enough.
Do not fail to see the difference between regular employees and contract workers and insure properly.
Do not forgo ongoing employee training with regards to maintaining safety in the workplace.
Do not go without insurance
Do not deal with contractors who cannot furnish their own insurance certificates
Do not allow your insurance policies to lapse because of lack in payment or late payments on premiums
Do not insure your business with insurance companies with substandard ratings.
Do not withhold information from your insurance agent or company. They need a complete view of all risks to asses your coverage
Do not allow your business to go uninsured in any category that is insurable and carries high amounts of risk
Do not overlook both flood and earthquake insurance if you are in a high risk area for these.

Small business insurance policies should also have business liability insurance in them. Small business insurance is incomplete without a good liability policy in place.

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Five Ways To Get The Best Business Liability Insurance

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With the cost of protecting both your business and yourself from potential lawsuits being high, mainly as a result of 9/11 and the stock market fluxuations of today, everyone who owns a business needs to shop around to pick out the best policy and prices for them. With this concern in mind here are five simple ways to get the most out of business liability insurance at a price you can afford.

Belong To An Association

Many trade and business groups such as the local Chamber of Commerce offer their members the benefit of purchasing business liability insurance through them at group rates. This allows for individual members to see savings which they would not find alone. Check into alternative trade associations to see if their group rates are a possible savings and good fit for your business liability insurance needs.

Compare Coverage

Each insurance provider has different limits and policy specifications for the same type of business liability insurance. You may want to check into how much, or even if, legal fees are covered. Reviewing your policy details allows you to know what is and is not included in the coverage of your policy.

Assess Your Industry’s Settlements

What amount of coverage should you have for your business? Take a look at what the normal amounts are for the industry you are in. Take a look at recent legal actions and settlements to know what might be expected. Talk to others in your field to see what levels they maintain. Using all gathered information, you can determine what the average limits for your coverage should be.

Find A Broker Who Specializes

Each business and industry has unique risks and needs. If you find an insurance agent who knows your business, industry or field, they will be able to better create a business liability insurance policy that will suit your individual business needs.

Get A Package Deal

When you are running a business, especially a small business, picking up individual policies for each type of insurance you need is not cost effective, and sometimes prohibitive. Depending on the situation, a package of policies like a Business Owners Policy could be found that would cover most of your needs and save on rates. Not all insurance falls under BOP such as Errors and Omissions coverage or a business health insurance policy.

Success in your business will greatly depend on protecting it from risks. Take the time needed to research your business liability insurance needs with agents, peers and industry associations.

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The Cost Of Business Health Insurance

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Lately there has been a lot of talk concerning health insurance for business. Business owners have complained, and loudly in many states, to the local politicians about the escalating costs of health insurance. Business owners are seeing yearly increases of over 10-12% per year in premiums while the coverage either stagnates or begins to eliminate certain items. So for business owners, health insurance is beginning to look like a costly option. Meanwhile, insurance companies are still advising that business have health insurance to attract quality employees. Arkansas and Alaska are two states that have held hearings about the issue. States such as Pennsylvania and New York have state sponsored programs so that there are more options for employer and employee when it comes to business health insurance. Unfortunately, business health insurance is almost as needed as business property insurance when it comes to dealing with income and ongoing operations.

Keeping Insurance Costs Down

Keep your employees healthy – many larger corporations are starting to work on this angle. Business’s are initiating programs to promote exercise, healthy living, cancer screenings and even offering flu shots. The idea being that a healthy employee costs less than using the business health insurance policy.
Reduce the amount of coverage – today many employers are asking their employees to pay into the business health insurance policy with the common contribution being near the 50% mark. It is also fairly common today for business owners to exclude dental and vision coverage.
Start health savings accounts – these are becoming more popular with small business owners. These tax-exempt accounts, which can only pay for certain medical expenses, could reduce costs for a small business health insurance policy and give employees tax breaks.
Join a group or HMO – small business health insurance plans can take the form of group plans which cover between two and 50 employees. The larger the group, the less the premiums are to pay. If your business has less than 10 employees, you can still partner up with other businesses or individuals to expand the group plan. To do this you need to have all members be in the same state.
Shop around for business health insurance – different providers will give different rates; especially if they know they are in competition with other insurance companies. Start asking other business owners near you about their health insurance costs. Search the internet for lower rates with such sites as eHealthInsurance.

These are just five simple steps you can take to reduce the cost of health insurance for business owners both small and larger.

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Getting The Most From Business Property Insurance

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Most business is conducted from a set physical location; be it an office, factory, or retail presence, there is usually a brick and mortar building to put a name onto. With this building there is the need to safeguard the building and the contents within it. Business Property Insurance was created to deal with this very fact. This type of commercial business insurance deals strictly with physical buildings and any other physical assets of the business within it depending on the coverage purchased. Business property insurance is the safety net for when there is severe damage to the physical aspect of the business and allows for continued operation of the business.

What Needs Coverage

Business property insurance should include a broad range of coverage to protect both you and your business from a variety of loss. Your insurance agent or company should include the following into your policy:

Buildings – insurance would be required if you own the building your business occupies, especially if there is a bank loan involved. If you lease the building, then the landlord would provide for the business property insurance.
Business personal property – this portion of the insurance would cover what is inside the building such as office furniture, equipment, any machinery or any other stationary furnishings used by the business. If you lease the building, this should also include any improvements made to the building such as wall dividers or counter space added on.
Loss of Income – this part of the policy would provide assistance to ensure that bills are paid and services are not disrupted by damage to the building or its contents from such things as fires or anything which destroys part of the building.
Earthquake or Flooding – depending on the location of the business this piece of insurance can be very helpful in the event of natural disaster if it is available in your area.

Other Minor Areas To Include

There is a business property insurance policy known as an “all-risk” policy which can be structured to cover other miscellaneous items such as:
Computer hardware and software
Files and records
All equipment

Failure to include as much as possible into your business property insurance policy could result in losses that you are not otherwise able to cover. This is why many insurance agents will attempt to structure the broadest range of coverage in your business property insurance policy. The premiums you pay now will be worth the cost of possibly saving the business later.

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Commercial Insurance Needs For Business

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Business owners all know that starting up a business takes many things; one of these is commercial insurance. Business start-ups usually have a hard time trying to determine the amount or type of commercial insurance their business needs. Commercial business insurance can give you needed protection against theft, property damages, liability, business interruption, injuries at the business, and other items. Failing to secure enough commercial insurance causes business failure.

Different Types Of Insurance

There are three most common types of commercial insurance for business. These are property, liabililty and workers’ compensation insurance.

Property Insurance

This type of commercial business insurance covers losses due to damage of real property. Examples of this would be fire, flood, and machinery destruction. There are different forms of this type of commercial insurance for business.
Mechanical breakdown coverage – often labeled “equipment breakdown coverage”, this type will usually cover losses from the accidental breakdown of boilers, machinery, and other equipment. This coverage is good for computers.
Debris removal coverage – this type of coverage deals with removal of debris after a disaster such as fire, flood or windstorm. This is the insurance that allows you to remove the remains of the old structure before building the new.
Builder’s risk insurance – this is what covers the building while being constructed. In case of a building collapsing during construction this insurance kicks in.
Glass insurance – this is most used by retail business and covers the glass windows of the building.
Inland marine insurance – this is the insurance which covers property which is in transit or other persons property while on your premises.
Business interruption insurance – this is what covers lost income and expenses which result from property damages or loss. This is the insurance that covers salaries, taxes, rent and net profit for the time the business is closed.
Tenant’s insurance – most often used in conjunction with commercial leases which covers the damages to improvements you have made to the rental space.
Fidelity bonds – this insurance is used to cover losses from a bonded employee’s theft of property or money.

Liability Insurance

Liability insurance is commercial business insurance covering injuries that you cause to third parties. If you are sued for personal injuries or property damage, the costs of the legal actions and work would be covered by this insurance. More specialized liability insurance is listed below.
Errors and Omissions – this insurance covers accidental mistakes or failures which cause injury to third parties. An example would be someone failing to file proper forms or applications completely or not on time.
Malpractice insurance – this type of insurance is most commonly used by doctors, attorneys, accountants, architects and other professionals. It is used when a third party suffers injuries from someone whose conduct falls below the professional standard of their field.
Automobile insurance – this covers all of the vehicles which are owned and used by your business.
Directors’ and Officer’s Insurance – this insurance is most used by corporations and nonprofits to cover the cost of legal action taken against their directors or officers.

Workers Compensation Insurance

This type of commercial business insurance is also listed as commercial disability insurance. This is the insurance which is used to cover employee injuries on the job. Workers Compensation is usually required by state law for any business with employees.
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Learning About Insurance

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Insurance is considered as being a form of risk management so that if you have something insured, it is basically protected in case something unfortunate were to happen. There are many different types of insurance available, but one of the most important and commonly used is car insurance.

This is insurance that is used to protect your car. In case you get in an accident, whether it was your fault or not, your car insurance will be very important, and will ensure that you are protected, financially and legally, in the event that this happened.

What it is

Car insurance is a type of insurance that protects the vehicle you are driving. An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange the insurance company promises to pay for specific car-related financial losses during the term of the policy.

You need proper car insurance in order to be legal to drive in most states and provinces, and even in locations where coverage is not required, drivers must, by law, be able to pay for losses they may cause others.

The good news is that if you are looking for an insurance company to go through for this, you have several very worthwhile choices available to you. The best idea is to stick with a familiar name, one that has been in the business for years now and who you know that you can trust.

Statefarm for instance, is one of the most popular insurance companies in the world, and they are definitely a company that you should keep right at the top of your list if you are looking for an insurance company. Their mission is to help people manage the risks of everyday life, and recover from the unexpected and realize their dreams.

Their success is built on a foundation of shared values – quality service and relationships, mutual trust and more.

Another popular company, one that you may want to consider, is Belair Direct. They too have a great deal of knowledge and experience to offer, and therefore they are a car insurance company that you can feel safe and secure doing business with.

For half a century now they have been providing complete home and auto insurance solutions direct to the customer, and their call centers are all staffed by certified damage insurance agents who are salaried. This means that you know you are going to get great customer service, no matter when or why you call.
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Car Insurance Companies

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Are you looking to get car insurance? Whether you have just purchased a new car and need to get insurance on it or are interested in changing your existing contract and switching to a new company, you are going to need to be aware of the different car insurance companies that are out there, what you have to choose from.


Statefarm is one of the first companies that anyone looking for car insurance should consider. They are one of the most respected names in the car insurance industry and for good reason. They not only offer auto insurance but other types as well, and their mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.

Their success is built on a foundation of shared values, including quality service and relationships, and their vision for the future is to be the first and best choice in the insurance industry.

ING Insurance

This is another car insurance company that you are probably already familiar with, whether you know someone who does business with them or have seen their catchy advertisement on television.

They are a very reliable, stable insurance company, one that has the experience and knowledge that you should be looking for, one that you can trust in. They sell their products through independent insurance brokers across the country and community and you can rely on them for dependability.

They are part of the ING Canada Company, which is the largest provider of home, auto and business insurance in the country. They are an insurance company that always offers the most competitive rates, so that you know you are getting the best insurance coverage at the lowest price.


One of the most important things to remember when you are trying to get car insurance is to get a car insurance quote from a company before deciding on them. This is important because you want to then take these quotes and use them to compare between the different companies.

Make sure that you take your time when you are shopping for an insurance company, and you want to make sure that you check around to consider all your available options. This is definitely not something that you want to rush into, especially when you consider that you are probably going to have your insurance company for as long as you have your car, which could be up to twenty years or more.
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Why You Should Get a Car Insurance Quote

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If you are on the hunt for car insurance, there are a few steps that you are going to want to take in order to ensure that you come out of it all with the best possible results and get the best car insurance for you and your needs.

Learn What is Out There

The first thing that you should do is learn about what your options are. You want to find out about the different companies and see what is available to you, and then do your research and learn more about each of these companies.

Get Quotes

Above all else, one of the most important things you will need to do is get a car insurance quote from various car insurance companies. This is because you are then going to take each car insurance quote and compare them against each other, so that you can find the best possible car insurance rate.

Avoid Scams

Not only is it important for you to get a car insurance quote from a company before deciding to go with them, but you also need to be educated on car insurance scams and how they work, and know how to avoid them.

For one you should be aware of who you need to contact if you have received a car insurance quote but think that the company is shady or trying to scam you. If you suspect fraudulent activity, please report it to your insurance company. There is also The Insurance Ombudsman Market Contact Branch at FSCO which you can contact.

Remember that there are many different scams out there and so you really have to be careful. The best idea is to always get a car insurance quote from a familiar company, one that has been in the business for years and who you know that you can trust, rather than deciding to go with a newer company that not many people have heard of.

The process of getting car insurance is not one that you should rush, especially since you want to be with them for the long term for as long as you are driving a vehicle, which usually is until you are in your sixties.

Also keep in mind that if you ever need help finding a car insurance company, there are some wonderful professionals out there who you can contact and who will be more than willing to help you out and walk you through this process to ensure that you have the most success.
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How to Find the Lowest Car Insurance Rate

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If you are going to be driving a vehicle, then you are going to need to get car insurance. This is insurance that is going to protect you, financially and legally, to be driving your car and in particular in the event of an accident.

You need car insurance to cover not only the costs of the damage to your car but the other driver’s as well if it was your fault. There are various different types of coverage available, and it is important that you take the time to work and find and choose the right one for you.

Of course if you are looking for car insurance you want to find cheap auto insurance, the lowest car insurance rate possible. There are a few tips that will come in handy if you are trying to find the lowest car insurance rate, but more than anything you are going to want to go through a car insurance rate comparison company.

There are a few different car insurance rate companies in particular that you will want to use to your advantage.


Kanetix is one of the top companies. They are a fantastic online source for Canadian car insurance quotes and they make sure that everyone who goes through them is going to get the best car insurance rates.

They know that your auto insurance is there to protect you against financial loss if you are in an accident, and is basically a contract between you and your insurance company. Because this is such a serious contract, you want to make sure that you are dealing with only the best company.

Insurance Hotline

This is another company worth checking out if you are looking to compare car insurance rates. They are an unbiased quoting service that directs consumers to the insurance companies that are going to offer the lowest auto, home and life insurance rates. All you need to do is enter in the required information on their site and you will be left with the best results.

Keep in mind that these are just two of the many different car insurance rates comparison companies out there, and that by taking the time and putting in the effort here you are really going to be glad that you did.

You want to get the lowest possible car insurance rate and this is really the only way that you can go about it.
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Is it Hard to Find Cheap Auto Insurance?

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Whether you are looking in person or for online car insurance, it is of course going to be important to you to find cheap auto insurance. No one wants to pay more than they have to for something, and the same applies here.

If you want to find quality but cheap auto insurance, there are a few different companies in particular whose services you are going to want to consider. These are companies that are reliable, and which will be discussed here in more detail.

Cheap Canadian Car Insurance

One of the best places you can go for cheap auto insurance is the self-titled Cheap Canadian Car Insurance Company. Their insurance coverage may also extend coverage for you and your passengers for hospital and medical expenses as a result of injuries sustained in a collision.

They not only provide the cheapest car insurance around but as well valuable tips and information on how you can get the cheapest car insurance elsewhere and how to keep the best car insurance rate possible.

They are definitely one of the first insurers that you are going to want to check out and consider if you are looking to get cheap auto insurance, and one that you can feel comfortable staying with for the long term.


Another company worth considering if you want cheap auto insurance is Elephant. Their comprehensive policies include free courtesy car, named driver no claims bonus, free windscreen repair, satellite-navigation and stereo cover, and personal injury cover.

Keep in mind that this is just a fraction of the wide selection of car insurance companies out there that you have at your disposal and who you can go to if you need insurance for one or more vehicles.

Insurance is necessary if you want to drive your vehicle, and it will be very useful in the event that you do get in an accident, especially if you were at fault and end up being expected to cover the damages incurred to the other vehicle.

More than anything you just want to be aware of the fact that there are plenty of options available out there when it comes to car insurance, and so no matter what your budget and what your needs you will be able to find just the right car insurance company for you.

Also you should remember that just because you decide to go with one company to start this certainly does not mean that you are not able to switch some time down the road, if you choose.
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The Search for Online Car Insurance

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Car insurance is not an option, it is necessary. If you want to drive a vehicle, you are going to have to get it insured. Insurance basically covers the costs incurred if you were to get into an accident. There are some terrific car insurance companies out there, so if you are looking for car insurance you can rest assured knowing that you have some great options available to you.

The process of finding online car insurance does not have to be difficult, but you are definitely going to have to be aware of a few things and follow a few particular steps if you want to get low car insurance. This is important because car insurance rates vary quite dramatically, and so depending on the online car insurance company you go with, you may be paying much more or less than you could be.

Get Quotes

If you are looking to get online car insurance, the first thing you are going to want to do is get some quotes. This is important because you are then going to take these online car insurance quotes and use them to compare.

Online quotes are very easy to get, and all you need to do is fill out a form for the company you are applying to, and tell them the required information. This will include such things as the make and model of your vehicle, whether you are male or female, your age, driving history, and so on, because this is the information that they are going to determine your quote by.

Do Your Research

Next in the process involves you doing some research. You want to do a bit of background on each of the companies that you are considering, to find out more about them and better decide which is going to be best for you.

Make the Decision

Now that you have gone to all this work you will be able to make the decision on which online car insurance to go with. Remember that the process of finding and buying car insurance is not one that should be rushed. You want to find an insurance company that you can stick with for the long term, although if you do sign up with a company only to find out that you want to switch, you are able to do this as well.

Your search for car insurance can be quick and simple, you just have to use these helpful tips.
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How to Get Low Car Insurance

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Anyone looking for car insurance, whether this is their first time buying car insurance or they are just looking to renew or switch to a new company should be aware of a few things in order to ensure that they get low car insurance.

Car insurance is very different than other types of insurance such as health insurance for instance, and you need to realize this, especially if you have never shopped for car insurance before.

Getting Started

There are a few things first and foremost that you should be aware of when it comes to low car insurance. For one, low car insurance is not an option, it is the law. You are not allowed to drive if you do not have proper auto insurance, so don’t try it.

Regardless of where you may be driving if you plan to drive a vehicle on the public roads then the vehicle must be covered under an insurance policy with certain minimum compulsory coverage.

You also need to realize that your driving record is going to affect your insurance premium. Therefore, the better you drive, the better rate you will get. The type of car that you drive will also have an effect on your insurance premium. Like individual drivers, vehicles are rated differently even among their own class. Insurance works this way because of theft rates, injury rates, the history for collision, comprehensive claims and so on.

Another thing you need to be aware of when it comes to low car insurance is that in order to get the best rate, you are going to need to shop around. The different car insurance companies out there all offer very competitive rates, and so the only way to find the best for you is going to be by taking a bit of time to learn about each of the companies and see that their rates are.

If you want to get the best, low car insurance, all you need to do is put in a bit of time and effort here. If you ever need any help, feel free to contact a customer representative from any car insurance company. A good car insurance company, even before you have signed up with them, will be more than willing and able to talk with you and walk you through this process.

Steer clear of any companies who are unwilling to do this, and also avoid companies that have not been around for that long. Instead you want to stick to insurers who have been in the industry for years now and who are respected and reputable and know what they are doing.
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What You Need to Know About Health Insurance

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There are a few important things that you need to know about health insurance. Sound health is an indispensible feature of everyone’s life, and you need to have proper health insurance in order to keep you and your family in sound health.

There are affordable health insurance options out there, and you really just need to know where to go for it.

In today’s day and age there are a number of different companies offering health insurance, and which you may be interested in going through for yours and your family’s insurance needs. It is not an option to get health insurance for you and your family it is necessary. You need to make sure that your family is safe and protected, and this means keeping them covered by insurance.

What is Out There?

The first thing you should do if you are looking for health insurance is learn about your different options. Find out what different health insurance providers are out there so that you know what you have available to you and what you have to choose from. This is important if you want to find the best healthcare provider for you, because everyone has different needs.

Once You Go…

Once you have narrowed it down to a few select healthcare providers, you are going to need to get ready to go through the process. While going for a health insurance policy you will need to decide between private and government insurance, and just keep in mind that private health insurance is often much more luxurious than government insurance.

If you ever need help with any of this, one of the first things you should do is speak to someone who knows what they are talking about. You really need to be educated on something like this so that you come out of it all with the best results and have the most success.

Especially if you have a larger family you are going to need to make sure that they are going to have the protection they need in terms of their health, and this means finding the right insurance policy from the right insurance company.

The truth is, you simply cannot live life without having the proper insurance for you and your family, and this is not a process that you should rush into in any way. This is something that you are going to want take your time and keep for the long term.
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What Companies Offer Affordable Health Insurance

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If you are looking for individual health insurance you should know that there are affordable health insurance options available. You just need to deal with the right companies to go to if you are looking for affordable health insurance, a few in particular which are worthwhile and which will be discussed here in more detail.

Vital One

One of the most ideal places to go for affordable health insurance is Vital One. They offer an array of different health insurance plans for you to choose from, including individual and family health insurance plans which are similar to those offered through employers but which are available for people who do not have or would like to maintain or expand their present coverage.

They also have student health insurance plans, which provide the important health coverage that students need. Major medicinal is the ideal type of comprehensive coverage for students, but there are other options as well.

You can even find short term health insurance plans here which are often difficult to find, and all of these are affordable health insurance so you know that you will not have to spend a fortune just to get the health coverage that you need.


This is another great option for affordable health insurance. They have health plans in Canada for every need, whether you are a small business owner in Canada wanting comprehensive health plans for your growing employee base, the group health benefits coordinator for a large corporation who is tired of raising insurance premiums, a sole proprietor wanting to supplement a spousal health insurance plan with a cost-effective medical plan that offers tax advantages, or an employee who is frustrated with limited health and dental insurance coverage and who wants to suggest a better alternative to your boss.

They are definitely one of the best places to go if you want the most affordable insurance companies, but keep in mind that this is just a fraction of the options available and so you should really take some time to find out what is out there and then select the one that is going to best suit you and your needs.

When all else fails, speak to a health insurance representative, a professional who will be able to walk you through this process and let you know which policy and company are going to be right for you. This is not a process that you should rush, so don’t.
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When You Need Individual Health Insurance

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Insurance is defined as being a form of risk management that is primary used to hedge against the risk of a contingent loss. There are insurance rates that you need to be aware of, and the insurance rate is a factor used to determine the amount, also known as the premium, which is to be charged to you for a certain amount of insurance coverage.

You would need to find individual health insurance when you are not working, or when you are self-employed for instance. In these cases you would need individual health insurance because you would not be getting insurance by any other means.

It is important that everyone has a proper health insurance plan, and so whether you are self-employed or not working at all, you are going to need to make sure that you have proper health insurance coverage. This way if you do end up getting sick or injured, you will have the coverage that you need, the individual health insurance that is going to cover the costs that will be incurred.

Where to go

If you are looking for individual health insurance there are a few companies in particular that you are going to want to check out. Tonik Health, located in California, is one of your best options here. Whether you are looking for individual or group health insurance you will be able to find some great policies here.

Oxonia Insurance is another great company that you can go through for individual health insurance. They are truly committed to helping their customers obtain quality health insurance in the simplest way possible, and they provide you with a free phone consultation.

During this phone consultation you are able to speak to a representative and get some important information, as well as get answers to any questions that you may have.

One of their licensed insurance agents will speak to you, helping you to find affordable and quality individual health insurance, family health insurance, group health insurance, short-term health insurance, or mini medical plans, whatever it is that you need.

More than anything you just need to make sure that you take your time here, and that you learn about all your options and do your research on them so that you can choose the insurance company that is going to be best for you.

Insurance is important, whether you are dealing with insurance for your vehicle or house. You need to make sure that you do not rush this process and that you find the right insurance policy and insurer for you.
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Why You Need Health Insurance Coverage

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Do you have a family? Even if you don’t and it is just you that you have to worry about, it is very important that you be aware of the importance of health insurance coverage, and where to go to get it.

So exactly how important is proper health insurance coverage to you and your family? We all know that our health is our most valuable asset, but we never realize this more than after we have a family. Once you have children running around and your partner and you, you realize more than ever before how important your health is and how necessary it is to have the proper health insurance coverage.

The First Step

Okay so now that you have realized just how important health insurance coverage is, the first thing you are going to want to do is get a health insurance quote from some of the top insurance companies out there.

These quotes are what you are going to use to compare between the different companies, so that you can figure out which offers the best rate and which is therefore the one that you are going to want to go through for your health insurance.

Do Your Research

Now remember, before you decide to go with any company, you want to make sure that you do some research on the company. You want to learn as much as you can about them, and the different policies that they have to offer.

Speak to a representative at the company and have them answer any inquiries that you may have. You should never sign or agree to anything unless you are positively sure that they are the right insurance company for you.

Keep in mind that there are many different group and individual health insurance coverage plans and policies out there, so no matter what specifics you are looking for, you will be able to find it. Taking your time is going to be crucial here, as getting a health insurance policy is not something that should ever be rushed.

The most important thing is that you take the time to find just the right health insurance plan, so that you can get the most for your money and feel assured and safe knowing that you and your family are secured and covered in the event that one of you has an illness or injury that needs to be paid for.
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Why You Need to Get a Health Insurance Quote

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There are a few good reasons why you need to get a health insurance quote before deciding on any one particular insurance company. For one, you need to use the health insurance quote that you get from each company to compare between the companies and therefore decide which is going to offer you the best rate.

It is very simple to get a health insurance quote. You do not have to sign anything or make any promises, and you just have to call up the company or go online, and fill out the health insurance quote form. By entering in a bit of personal information such as your age and gender for instance, you will be presented with the results of your quote.

Your health insurance quote may be higher or lower than average, depending on your age and what condition your health is in.

Getting Started

The first thing that you are going to need to do check out what is out there and available to you. Figure out whether you are looking for individual health insurance or family health insurance for instance, because this is going to narrow down the selection process significantly.

The good news is that there are some fantastic options out there in terms of insurance. The best idea, not to say that there are no good companies that are newer, is to stick with the more familiar companies that you know you can trust in and that are going to be reliable.

Now that you see how important getting a health insurance quote is, you will be better prepared to go out and find health insurance policies that are going to work for you and your needs.

One of the best things that you can do is speak to your family and friends about health insurance and which company they went through. The more information you get the better. The more educated you will become and the more comfortable you will feel with this process altogether. Especially if you have children, you need to make sure that they are properly covered and have the healthcare that they need.

Keep in mind that in Canada the health insurance policies are different because most healthcare in Canada is free. However in the United States it is very much different and people in the States generally have to pay for all their healthcare which is the big difference.
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