You should always have a Life Insurance, since usually the need for earnings continue for those who are financially dependent on you; nevertheless there is no security of your capability to earn continually and for the rest of your life. Life insurance can help you guard the financial necessities of your family.Life insurance is intended to guard you and your family against monetary uncertainties that might result, because of ill-timed demise or...more
As a Rhode Island and Massachusetts car accident attorney, I have noticed that people frequently confuse the scope of uninsured and underinsured motorist protection. As a refresher, an uninsured motorist (UM) is someone that owns or operates a motor vehicle without buying an automobile insurance policy. An underinsured motorist (UIM) is a motorist whose own auto insurance coverage is insufficient to cover the financial damages caused to another...more
As an owner or operator of a marina, a yacht club, a commercial vessel, or a boat dealership, protecting both ones customers and the business itself is key to sustainability, growth, and profitability. Whats more, there are number of exposures inherent in operating a marina, all of which affect the pricing of marine insurance, which is why putting safety first is critical for maintaining a safe environment. Basic Safety TipsFollowing are some basic safety tips one should ensure are not only provided to all employees in and around the marina, but are also enforced and monitored regularly.General GeneralThe marina storage contract should be reviewed, if it hasnt been in the last five years.Be sure all boat owners are required to sign the contract annually.Ensure that all boat owners (including temporary slip users) are required to provide proof of insurance at least annually in the case of seasonal users.Keep a copy of storage contract.All subcontractors should be required to sign in, and provide a proof of valid, current insurance with a copy kept on file.Launch AreaBe sure the marina property is clear of overhead power lines, and that the launch ramps are clean and have good,...more
Insurance can help you financially when you are dealing with tragedy, illness, or when you have an accident. You can get insurance coverage for so many different things. There is insurance for your car, your house, your life, and even your cat. When sudden accidents occur, insurance helps pay for the fallout. The following paragraphs will help you...more
Internet with its inherent traits such as ease of access, flexibility, cost-effectiveness etc has restructured the way consumers shop for products. Healthcare industry is not far behind from this rapidly catching e-commerce trend that has become a mainstay for most businesses. Some years ago, there was just a handful of healthcare payers offered...more
Disability insurance should be one of the key components of any sound financial plan. Unfortunately, however, many Americans have not secured this vital protection to step in when illness or injury prevents them from working. The bottom line: A disabling illness or injury stops income, imposes additional costs, and prevents building a retirement nest egg.Disability insurance replaces lost income when an individual is unable to work because of an accident or illness. Some individuals may be covered under a group disability income insurance policy through an employer or eligible for disability benefits through work, the government, or other programs. Some even may have access to additional sources of income in the event of a disability, such a spouses salary, savings, investments, or even help from family members. However, this still may not be enough to pay for living expenses on a long-term basis. This is particularly true for professionals, such as physicians and others, who have high incomes. Without disability coverage as part of the financial planning puzzle, the result can be devastating, depleting the savings accumulated for a childs education or for retirement. The disabled...more
Buying insurance can be frustrating, whether it's for your home, vehicle or your apartment. It does not have to be so frustrating. With good advice and some knowledge, you can purchase a policy in a stress-free manner. This article can guide...more
Many people can go on and on about personal insurance profiles as well as ensuring that we've life insurance coverage as well as auto insurance and all that kind of thing. There are not many people who concentrate on the kind of insurance that...more
Every business needs to have some kind of insurance coverage. They need to ensure that all their assets are protected and that any problems that might cause some kind of lawsuit are also covered. Some companies do require special kinds of insurance...more
The world is filled with uncertainties; people always plan things for their future but at times there are certain events that cannot be planned, certain events that cannot be predicted. Some unpredicted accidents or harsh turn of events can have a...more
There are a number of cases of auto accidents in Texas and New Mexico. This is one of the most common types of injury claims made in the states of Texas and New Mexico. Hence, the number of queries regarding automobile accidents is also considerable...more
If youre intending to rent a property out to paying tenants, or you already do so, then you should have landlord insurance in place. The reason for this is that landlord insurance is designed with rental properties in mind and covers a number of...more