Business insurance in the simplest form dates back to early civilization, if a ship was struck by pirates and lost its cargo other ship owners would pitch in to help. Though a simple idea this is the format for a lot of current policies, protect business inventory and reduce risks. Some of the first formal insurance policies where British merchants who would underwrite dangerous voyages overseas. It was the underwriters who...more
Michigan requires the residents who own car to buy the no fault insurance. There are several types of no fault car insurance including personal injury protection (PIP), property protection insurance (PPI), and residual liability insurance.The personal injury protection (PIP) will pay for the medical cost of the policy holder. If you are not injured, it will pay the maximum compensation including your lost salary for 3 years. In the...more
If you are reading this article, we have likely sparked your interest in gap insurance. So what exactly is it? Simple put, it is a type of coverage which takes the view that your vehicle depreciates in value over time and covers you in the event you get in an accident and find that the value of your vehicle is less than the amount you owe. Without gap insurance, you would have to pay this difference out of your own pocket. To help illustrate this point, let us look at a concrete example. Let's say that you buy a brand new car for $25,000. Let us then say that six months down the road you get in a wreck when your vehicle is then worth only $18,000. If you made a down payment of $3,000 and made $250 payments per month during the time you had the car, you would've paid a total of $4,500. This means that you still owe $20,500 but since your vehicle is only worth $18,000, that is all the insurance company will pay you. This leaves a balance of $2,500 which you would normally have to come up with on your own to pay off your remaining debt. This is precisely where gap insurance can really come to your rescue.Gap insurance can also cover you in other scenarios such...more
To get the lowest rates and the best coverage you need to acquire your business insurance from a local independent insurance agent rather than dealing directly with an internet based insurance company. It is not true that that dealing directly with an insurance company is the best method to get the lowest rates. In fact, there are many reasons why...more
Property is usually valued at tens, sometimes hundreds of thousands of dollars. Having such a high worth means it has to be protected from any accidents, and fire is just one of them. A fire insurance policy is one that promises to cover the cost of the property within a predefined timeframe. Fire insurance as a topic cannot be wholly understood in...more
An annual multi trip is considered travelling or taking more than two holiday trips in a year. With annual holiday travel insurance you can take an unlimited number of trips annually. The insurer will in most or all cases determine the number of days (normally between 30 and 120 days) the trip is covered and the age of every individual that can be insured. Like other types of insurance covers, annual holiday insurance covers children free of charge but you will have to confirm with your respective insurance firm or broker on the childrens age limit.Annual multi trip insurance comes in handy should you be involved in an accident as you head to the airport or train station and subsequently miss the respective means of travel to your non refundable holiday. A few days prior to your trip, you or a close family member may fall sick or even worse, die, and as a consequence you end up cancelling the travel. The annual holiday travel insurance is a lifesaver in case you or the airport staffs lose your luggage that contains important and expensive items. During the trip you or a member of the travelling party may fall sick or even die. The authorities in the area or country you have...more
When you are running a cab company of any type, you are going to need to make sure you are carrying insurance, though that is often much more difficult that it sounds for several reasons. Before you choose your insurance provider and plan you will...more
NewMediaPlus.com – Business in Real TimeWest palm beach, Sept. 15, 2010 (GLOBE NEWSWIRE) – Today, New Media Plus, Inc., headquartered in Las Vegas, Nev. reached an agreement with World Market Media, Inc. ("WMM"), a high-traffic...more
We live in the Internet age and online technology offers business many improvements over traditional methods. Nowhere is this truer than in the insurance industry. Insurance agents have traditionally used a host of different methods...more
Insurance is considered as an integral aspect of our lives. it means you can live life without worrying about anything. Many believe it gives us the freedom to experiment and opportunity to recover from mistakes in the past. Insurance needs vary...more
Many of us are not very keen on disability insurance concept. In fact, many believe that it's not important at all. They just think it's just an unnecessary expenditure and they will never need it. According to a report, over 80% of working...more
We plan in advance when there's a holiday coming up. There is however a lot of risks that may be not be anticipated during a trip. Many variables can go wrong. You might have some family or personal emergency that makes you have to...more
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