When you purchase an ipod or a blackberry you most likely told yourself that you would have to treat the device with proper respect and care. You probably were very cautious in the first few weeks after you purchased one of these items to ensure that you did not cause any type of damage to your unit. You did this because the cost of the item was so steep, that you knew you had to take care of the unit to avoid paying costly repair fees.In the...more
If you are trying to find out what kind policies are needed to insure construction projects, as well as to know what kind of risks need to be covered by insurance policies, this is the article for you. An insurance underwriter, to be able to assess a risk, needs to have a full and complete description of both the project and the works. Also, method of construction to be used, location of the site including geographical and topographical...more
Toronto, one of Canada's financial and entertainment hubs, is a city bustling with activity and professional opportunities. The chances for financial security are pretty high, provided you avail of the most ideal form of risk management for businesses - commercial insurance. This way, your assets are protected from a lot of unfavorable circumstances.Commercial insurance Toronto can be divided into three main types:- Property insurance- Liability insurance- Worker's Compensation InsuranceFor each of these types of insurance you have a variety of subcategories, all covering very specific circumstances and occurrences that could have a negative effect on your business. As an example, one subcategory for property insurance is business interruption coverage.Are your assets safe without property insurance?Even with proper maintenance procedures, a business isn't 100% safe against all dire possibilities. A sudden power outage can paralyze operations, especially if the company works with hundreds of computers. The threat of fire and cyclones can damage precious equipment, leading to massive losses for companies.Without property insurance, a business must make strides to produce loads of...more
Health care is at the forefront of the major issues confronting the American people. It is brought up in every newspaper issued and basis for discussion of many talk shows on television. Rising health care costs are making it difficult for people to provide coverage for themselves and their families. The group that struggle the most is the working...more
Is trust enough to render professional indemnity insurance irrelevant? Hmm... Maybe you're an individual freelancer. Maybe you run your own professional consultancy. Either way, the fact that you're in business as an expert in your field must mean that you have clients who trust you. And for as long as your clients provide you with...more
Those who are involved in worker's compensation know that the system has problems and fingers are pointed at different people. Employees, employers, and insurance companies are accused of fraud. The California Department of Insurance always goes after the bosses. Employer fraud is rampant in workers' compensation insurance. An employer who underreports the payroll or who classifies an employee wrong is committing fraud. The state's top insurance regulator views this another way. People who are being paid large amounts of money by their employers often misuse the workers' compensation insurance, says a California insurance commissioner. The attorney dealing with workers' compensation issues says that the blame for this current crisis can fall on any group involved. But he saves his strongest defense for the workers themselves. The number of fraud incidents by workers is small. The Web site of the California applicants' attorneys association reveals that very few people were arrested and convicted from the millions of injuries reported between 1993 and 1998. It is his wish that a realization that they're still facing against insurance companies comes to both the employees and...more
According to one survey, 48 million people are not insured in the USA and insurance is an amendment or policy that gives protection against an undesirable event or risk and it ensures that we are protected from financial loss or harm....more
Obtaining insurance leads is the first step to selling policies and running a profitable insurance business. Getting insurance leads takes practice and patience. And once you have new insurance leads, you still have to close the...more
Neasham Insurance - Glenn Neasham FinancialA bank aggregates the activities of many borrowers and lenders. A bank accepts deposits from lenders, on which it pays the interest. The bank then lends these deposits to borrowers. Banks allow...more
In the small financial schemes, you can get the money quickly. Since, the amount is small; the lender can issue money without any hurdle. He can rely on you. The lender is assured of his money. The lender is not bothered of the safety for this money....more
If age equals experience, I am now of the age when I feel old enough to tell people about the shortcomings of my younger years. I am an avid motorcyclist. I have been since the age of 12 when my father first introduced me to a Honda 150cc...more
If you've made the decision to go for professional indemnity insurance (a very wide decision, by the way, for anyone who offers any form of professional advice or services to clients) your next decision is going to be where to get it....more