So many people think of their insurance premiums as just another expense and in the current economy this thought process is not surprising. It is important to realize that your insurance premiums are just as important as your expenses for any other necessity especially during trying economic times. Insurance is one of those things that you pay for without seeing immediate results but its importance should not be overlooked.Financial disasters can...more
What is error omission insurance? It covers a business when it is sued because they failed to meet expectations. This is a huge assistance, because in many instances lawsuits can require you to pay a huge sum of money, rightly or wrongly. Therefore, having coverage is very important. Here are three frequently asked questions about the topic: #1) What kind of businesses should get this?Obviously, in theory every business could. However, for...more
Picking the right insurance is not an easy task for anyone. Everyone knows that they should compare but that is even difficult when you aren't sure what you are looking for. One thing that seems to be common with any type of insurance company is that the higher priced ones are usually the better companies. Surprisingly it is also a fact that the larger companies are not the ones with the lowest prices.When you are purchasing insurance the company you are dealing with could have an overall impact on getting the benefits paid when you need them and since many people know this they tend to be drawn to companies that offer a big name and a reputation. Most people think that going with an insurance company that has a familiar name will help them to get their claims paid in a more timely manner but this very often is not the case.Insurance claims can be denied or delayed when you are dealing with a larger company very simply because they know the ins and outs of the system and they can use this to their advantage and use your vulnerability against you. One of the biggest things you will hear attorneys talk about is the delay of claims that significantly affect those who have bills piling...more
If you have decided to open a business in the Southwest, you may notice a number of unique challenges and opportunities. The weather is amongst the oddest in the country, switching between extreme heat and extreme cold with the season, and you have likely learned that the term "dry heat" is a cruel joke perpetrated on outsiders. However, your...more
While we understand that to invest in a unit trust carries certain risk, especially so when the unit trust carries lots of equity component and more so if the investment is on foreign market. A few of the most overlooked investments are insurance based. Let's be clear - fixed income simply means an investment that would pay you a fixed amount of...more
Insurance is a fairly simple concept; you pay a company a certain amount of money in order to cover your own financial risks. In general the amount of money you pay, known as a premium, is far less than the amount paid out by the insurance company should your claim be successful. So why do you need insurance? Let us take a look at some scenarios:Should you have a family and you unexpectedly die, could your family maintain the same standard of living without your income? If your answer is no then you could take out a life insurance policy to pay out enough money to service your families financial needs long after you are gone.Injuries and long term disabilities are almost scarier than death in terms of the financial burdens they could place on a family or individual. Could you afford to maintain your current level of living should you become disabled and unable to work? If you cannot then you could take out a disability insurance policy to cover you for this type of eventuality. This type of insurance is even more important for the breadwinners in families.Car accidents happen all the time, but what would happen if you caused an accident with two other vehicles? Could you afford to...more
Landlord building insurance can protect the building from damage Becoming a landlord is one of the most popular ways of raising income. But without landlord insurance, there may be a danger of losing out financially in the event of damage to...more
Getting Good Building Insurance If you have just bought a property with buildings already on it or are intending on building fixed structures, you probably need to have building insurance. Building insurance is cover against damages caused by...more
Truck Insurance, How To Find Cheap Short Term Truck Insurance Short term truck insurance is sometimes needed if you're planning on traveling or borrowing a vehicle for moving or hauling. It is a good idea to obtain truck insurance for a brief...more
Affordable Truck Insurance Quote - How To Find The Most Affordable Quotes To most Australians, finding a cheap truck insurance quote in Australia may seem to be a tough task. However, with a couple of tips, they would find that finding such...more
Reminders When Getting Semi Truck Insurance Getting semi truck insurance is essential for the welfare of both driver and truck. Car owners who purchase insurance on their own can get the most affordable rates. However, you can still further...more
The Benefits Of Online Free Insurance Quotes A person who has insurance plans and coverage, he has there assurance that all his properties or possessions are in top security. However, because of the prices of car and home insurance policies...more