Business Insurance - Simple Facts At the beginning you need to know some basic terms when it comes to insurance. An insurer is a company selling the insurance and an insured is the person or entity buying the insurance policy. The insurance rate is used to determine the amount to be charged for a insurance coverage, we call it premium. So business insurance is form of business risk management.When you start a business you need to...more
Single Trip Holiday Insurance: Secure your Holiday Trip Wisely It is always very beneficial to take out good insurance policy when you are traveling with your family and friends. This makes your whole trip tension free as well as protected from all unexpected risks. If you are not a frequent traveler, then opting for single trip holiday insurance can be a right option for you. As the name implies, this kind of policy will secure...more
Understand the Umbrella Insurance Policy Umbrella Insurance is a liability insurance policy that goes above and beyond what typical insurance policies do. It actually protects the assets and potential future income of the policyholder more than a regular auto or health insurance policy would. While many companies offer a similar product in their excess insurance policies, an umbrella policy is actually different from the type of protection it gives the policyholder. While excess insurance only comes into play when all of the underlying policies have been totally used up, an umbrella policy can come into effect well before that. Its name is derived from the fact that the umbrella is able to "drop down" and fill any gaps in coverage that are created by other policies you may have. It protects the owner more that primary coverage does and is essentially a back up net to protect you from extraneous risks in certain situations.Umbrella policies are typically sold in increments of one million dollars but can be applied to all sorts of policies underneath it such as homeowners insurance or health insurance policies. For example, if someone has a homeowner's insurance...more
Understand the Wedding Insurance Policy Preparing for the big day can be very stressful on a couple. Wedding insurance, however, can help ease the bride and groom's minds by protecting their financial well-being. Most policies can be purchases for under $500, which helps in the event of a tight wedding budget.Whether or not to...more
Gender-less insurance: women will pay up to 25% more Motor insurance companies have long taken a driver's age, gender, location and driving habits into consideration when offering insurance. But with a ruling by the European Court of Justice declaring a ban on taking gender into consideration in insurance policies from...more
How Do I Become An Insurance Attorney? There are many different types of lawyers, or attorneys, in the law field. Some specialize in divorces and other civil actions. Others specialize in criminal, medical, or insurance law. There are many different steps a person must take in order to become an attorney. This is true regardless of what field they choose to specialize in.Individuals who wish to become an insurance attorney must first complete four years of college. They should take classes that will benefit them in law school and later in their career. These classes should include things such as English, ethics, and mathematics. Studying a foreign language, such as Spanish, is also a good idea for these individuals.Once the person has completed their four years of college, they will then enter law school. Most students complete this portion of their schooling in about three years. However, some students are able to finish this part of their education in less time. Others may spread their education out, for many reasons, to take longer than three years.There are several things a person will learn about insurance while in law school. Insurance attorneys must be...more
Dump Truck Insurance Tips - Sealing the Deal on Affordable Dump Truck Insurance Dump Truck Insurance policies can be purchased in varying prices. Well several factors account to this. One can be the state where you belong and intend to...more
Maternity Insurance - Words of advice from a Broker in HK After 20 years in Hong Kong as an insurance broker, I and my clients have learned the hard way the importance of the 'fine print' in insurance policies.The insurance...more
Commercial Truck Insurance Varieties To Be Aware Of Commercial truck insurance can seem overly complicated at first glance, but it's only because the truck industry itself is so diverse. It's not so complicated; there are...more
Commercial Truck Insurance: Bobtail Coverage For Independents Different commercial truck drivers have different needs. Some driver work part-time; some work full-time. Some drivers own their trucks; some don't own. Some work for...more
Are You Tired of Overpaying for Insurance? Are you tired of overpaying for insurance? Have you thought there's probably a better deal or alternative out there? If you've had any of these questions, visit ZipQuote® today...more
Where Did Insurance Come From? The concept behind life insurance is pretty simple, really. When the person who has a life insurance policy dies, the people that the deceased has designated as beneficiaries will receive money from the...more