Whether you are a frequent traveler or you just go for the occasional business trip you will need to consider getting international travel insurance. If you are going abroad for work or studies also, it is important to have proper coverage. A trip is filled with surprises some pleasant, others not so pleasant.When you are prepared to deal with the worst that can happen you can be safer and you can make sure that there are no...more
Paperwork may not make the world go round, but it can use up a lot of time and patience. For busy people, paperwork needs to be pinned down, and an efficient management system needs to be in place to do it. There are a few ways of doing this, internally and externally. The "admin factor" in self insurance requires a level of expertise, and management needs to decide the best fit for its operations.Doing your paperwork in house issuesThe main...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 individual to individual. If one intends to drive a car in the US, one needs to avail automobile insurance or liability insurance. Similarly, if you intend to purchase a home and apply for mortgage loan from the bank, the latter will ask you to get homeowner insured. Medical Insurance, however, remains top form of coverage. Such insurance make sure that you and your beloved ones are given proper medical coverage. In most of the cases, employer provides health insurance coverage to the employee. If it's not available at your office, one should get medical insurance coverage right away.Now this brings us to the latest and to some extent most critical insurance coverage: disability insurance. Its coverage is given when an employee is unable to perform his job due to health reasons. The disability can be for short term or long term. The coverage makes sure that you receive a specific amount of job during your disabilities...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 individual to individual. If one intends to drive a car in the US, one needs to avail...more
You can look through the Internet all day trying to find the best insurance policies available to you and not even get close to seeing all of them. There are hundreds of health care agencies that are willing to sell you insurance, but this is not an area to enter if you are not an expert on the issue. You know what you need as far as coverage, but...more
You've got pen in hand, ready to sign a new client contract, and then you glance at the fine print. It says that to get the work, your IT business needs to carry five different kinds of insurance. That can't be right! Or can it?If you've already got E&O, general liability and small business property insurance, aren't you insured for just about everything? Why would you need to get workers' comp and employers' liability, too?Besides the fact that many states have laws that require companies with W2 employees to carry workers' compensation coverage, these policies simply provide coverage that other types of business insurance don't. To protect their own interests, your clients want to be sure that you're protecting yours.Liability vs. other types of insuranceFirst, it's helpful to understand the difference between a liability policy and other types of insurance coverage:• Liability policies are designed to protect your business from the high cost of covered lawsuits or similar insurance claims, and any settlements that a court orders you to pay as a result.• Other types of commercial policies, such as small business...more
If you have run into a plumbing problem in your home, it may be time to call your insurance company to file a claim. No one wants to run into these problems, but sometimes, you just have to make the best of the situation. If you can isolate the...more
You might be thinking about starting up a cab company and there is nothing wrong with that. Cities need taxis, especially considering that in some cities it is nearly impossible for one to drive a personal vehicle on the streets and for this reason...more
It is extremely wise to have the correct insurance if you are a bar owner. Running a bar requires plenty of planning and organisation and this includes bar insurance. Any bar owner selling alcohol to the public will be well aware of the...more
People nowadays are used to having big cars with a lot of HP and fast 0-60 MPH times so that they can enjoy the most out of their lives. But what happens when something goes wrong with your 1.4 million Euros Bugatti Veyron Blue Centenaire? Whos going...more
A social club is defined as a place where a group of people or their meeting place is formed around a common occupation or activity. They can range from sports clubs, working men's clubs or snooker clubs for instance. Whatever type...more
As one who knows, nothing can prepare a family for the loss of a loved one. The hole that is left in our lives when the unthinkable occurs is a physical presence that is felt daily. Sometimes we know death is coming, other times a loved...more