With insurance costs on the rise, selecting the right income protection insurance or other insurance company right for you can be a little confusing. It is important to remember that insurance companies are like any other and they are selling products and services to make profit. Too many people pay money for years only to find out that their insurance company finds a way to not honour their payment in a time of need. So how do we deal with this issue?
[Continue reading...]
Kamis, 17 Maret 2011
Selasa, 15 Maret 2011
What Exactly Is Property and Casualty Insurance?
The Property and Casualty Insurance is designed to take care of most of the risks to an individual or a business's property like damage, records, losing money, theft, furniture, trademarks, machinery and as well as supplies. There are some special insurance policies currently available that are designed to cover natural disasters like earthquakes, and floods which may damage and individual's private residence.
A property may be insured for named or multiple dangers. You will need to accurately identify all that you have lost. A key example is when your house is burnt down by fire, you would only be allowed to make a claim under the "named peril property insurance" if you had previously insured your house against fire. The other perils that are commonly covered are theft, explosion and lightning. You should always carefully examine all the risks that are part of your insurance policy. Otherwise, you may end up paying for insurance that would not assist you in the event of maybe your car stolen.
All causes of damage or loss that have not been removed from a policy are covered by the open perils. Unless your insurance premium explicitly excluded it, you will be able to receive assistance from open perils property insurance. If you did not take the option to be insured for floods, you will definitely not receive assistance for any damage to your house caused by a flood. Some of the items that are often found in the list of open perils exclusion are nuclear accidents, earthquakes, war, and acts of terrorism. You can purchase an additional coverage plan if your open peril insurance does not cover the open peril that you may face.
The cost of property insurance premiums may be reduced if the client have a good claim history and have taken the proper steps to reduce the risk of damage or loss. Some ways of reducing the cost of property insurance is by installing alarms, sprinkler systems, smoke detectors and security personnel. Mostly it depends on whether or not the steps taken can in reality prevent damages.
Many businesses and companies prefer insuring their properties with a Business Owner's Insurance premium known as BOP. In this policy, liability insurance and property insurance are joined into a single policy to create this special insurance policy. Some of these BOPs also offer Business Interruption and Extra Expense insurance premium as a further option.
The BOPs are considered very convenient though it provides less coverage than the standard insurance premiums. This explains why many companies that opt for it also end up buying other policies for a full coverage. A good example of a BOP is the premium called the "extra expense insurance". This works by reimbursing the policy holder money to cover the effects of a short-term move in the event of an incident covered by the policy occurring e.g. a flood. While the "Business Interruption Insurance" pays for any likely loss of revenue or profit in the event of the business being interrupted by an incident covered by the policy.
A property may be insured for named or multiple dangers. You will need to accurately identify all that you have lost. A key example is when your house is burnt down by fire, you would only be allowed to make a claim under the "named peril property insurance" if you had previously insured your house against fire. The other perils that are commonly covered are theft, explosion and lightning. You should always carefully examine all the risks that are part of your insurance policy. Otherwise, you may end up paying for insurance that would not assist you in the event of maybe your car stolen.
All causes of damage or loss that have not been removed from a policy are covered by the open perils. Unless your insurance premium explicitly excluded it, you will be able to receive assistance from open perils property insurance. If you did not take the option to be insured for floods, you will definitely not receive assistance for any damage to your house caused by a flood. Some of the items that are often found in the list of open perils exclusion are nuclear accidents, earthquakes, war, and acts of terrorism. You can purchase an additional coverage plan if your open peril insurance does not cover the open peril that you may face.
The cost of property insurance premiums may be reduced if the client have a good claim history and have taken the proper steps to reduce the risk of damage or loss. Some ways of reducing the cost of property insurance is by installing alarms, sprinkler systems, smoke detectors and security personnel. Mostly it depends on whether or not the steps taken can in reality prevent damages.
Many businesses and companies prefer insuring their properties with a Business Owner's Insurance premium known as BOP. In this policy, liability insurance and property insurance are joined into a single policy to create this special insurance policy. Some of these BOPs also offer Business Interruption and Extra Expense insurance premium as a further option.
The BOPs are considered very convenient though it provides less coverage than the standard insurance premiums. This explains why many companies that opt for it also end up buying other policies for a full coverage. A good example of a BOP is the premium called the "extra expense insurance". This works by reimbursing the policy holder money to cover the effects of a short-term move in the event of an incident covered by the policy occurring e.g. a flood. While the "Business Interruption Insurance" pays for any likely loss of revenue or profit in the event of the business being interrupted by an incident covered by the policy.
How Can You Trust An Insurance Company?
With insurance costs on the rise, selecting the right income protection insurance or other insurance company right for you can be a little confusing. It is important to remember that insurance companies are like any other and they are selling products and services to make profit. Too many people pay money for years only to find out that their insurance company finds a way to not honour their payment in a time of need. So how do we deal with this issue?
[Continue reading...]
- Get over the marketing. Insurance companies have a million and one ways to try and convince us they are reliable and will always be there for you. With names like 'Trust', 'Care', 'Life Long' (disclaimer - these are only examples and do not refer to any particular company) you have to understand that they will use all the possible tools of marketing to get your business. When it comes to paying out your claim they have an entirely different approach. Ignore names, branding, images and the like. Understand that it is all marketing and not making legal promises. What counts is what you pay and what you get - nothing else.
- Get real about them not paying. Many insurance companies, including life insurance, home and contents etc, have particular people that are employed not to pay you. This has been exposed a number of times in the media and you need to get real about it. Individuals or organisations that increase their income to find ways to knock back claims. Insurance companies would not make money if they paid out more than they earned. So not paying is something that they must take seriously. They must investigate situation and protect themselves against fraudulent claims, and this will mean many measures inside their company to investigate your claim. Because of the competitive nature of business, you can naturally expect those in the business of investigating claims to be paid incentives when finding legal reasons not to pay - this is just the nature of any modern business today.
- Read their claims. Understand when you see a statement made by any company it does not mean they are making a legally binding agreement with you. Many statements are not legally binding agreements and are purely marketing. Don't be fooled by what is what.
- Understanding contracts. The reality is that contracts are made up of many definitions and terms. You must refer to the definitions of these terms. The reason why a claim is not paid is often based on the definition of a word used in the contract. Do not take words in a contract to mean what they normally do in plain language.
Selasa, 08 Maret 2011
Running Applications Favorite With RocketDock
RocketDock is an application launcher with quality animation and alpha-blended. The software provides a good interface for its users to easily put your favorite application shortcuts for easy setup and access. RocketDock lets all things to be modified so that there is no limit what can we add and run from the dock.
Now, RocketDock has the ability to support that we lower the windows taskbar to appear as icons on the dock. This can increase productivity and ease of access.
Some features RocketDock include:
* Minimize / minimize windows to dock
* Preview windows in real-time on Vista
* Indicators that show the applications running
* The interface is simple, just by drag-n-drop it
* Able to use more than 1 monitor
* Compatible with files that alpha-blended PNG and ICO icons
* Zoom icons and a smooth transition
* Auto-hide and Popup on mouse directed
* Option to set the position and layering
In addition to the features we mentioned above, there are very many other features.
RocketDock can be used properly on computers that are relatively slow. In addition, RocketDock is available in many languages, which can be translated easily. The best thing about the software RocketDock is, the software is free! For complete information and to download this software, you can visit his official website at RocketDock.com.
To add icons or skins in the way you want you can download at devianart.com.
Here are some examples of icons or skins RocketDock contained in devianart.com:
[Continue reading...]
Now, RocketDock has the ability to support that we lower the windows taskbar to appear as icons on the dock. This can increase productivity and ease of access.
Some features RocketDock include:
* Minimize / minimize windows to dock
* Preview windows in real-time on Vista
* Indicators that show the applications running
* The interface is simple, just by drag-n-drop it
* Able to use more than 1 monitor
* Compatible with files that alpha-blended PNG and ICO icons
* Zoom icons and a smooth transition
* Auto-hide and Popup on mouse directed
* Option to set the position and layering
In addition to the features we mentioned above, there are very many other features.
RocketDock can be used properly on computers that are relatively slow. In addition, RocketDock is available in many languages, which can be translated easily. The best thing about the software RocketDock is, the software is free! For complete information and to download this software, you can visit his official website at RocketDock.com.
To add icons or skins in the way you want you can download at devianart.com.
Here are some examples of icons or skins RocketDock contained in devianart.com:
Label:
Teknologi
Fishbowl, Facebook Client Application
Today, almost everyone has been familiar with Facebook, the largest social networking site with the most viewers. They use these social networking sites to always connect with friends and their brothers. Not only those who are young, even those who are old enough, too, utilize these social networking sites.
Facebook is providing many facilities are fairly easy to use. Features chat for example, is very easy to use practical. We just need to log into our account only and we can directly chat. Recommended to leave a message on the wall is also a very handy feature to send a message or share the things we find interesting. There is also a variety of applications that are very interesting game, which at the same time we can use to interact with fellow Facebook users.
Although very useful, application Fishbowl is only a trial application. This application can be downloaded at www.fishbowlclient.com and used free of charge, but none of the available support.
Label:
Teknologi
Senin, 07 Maret 2011
Buying Life Insurance: What Kind and How Much?
Finding the middle ground between being "insurance poor" and unprotected requires assessing real needs and choosing products that are affordable. This article introduces different types of insurance products and the role that they can play in a personal financial plan.
Conventional wisdom says that life insurance is sold, not purchased. In other words, some people are reluctant to discuss the importance of owning life insurance, and others are simply unaware of the need to have life insurance. Although many large companies provide life insurance as part of their benefits package, this coverage may be insufficient.
Who needs life insurance? If there are individuals who depend on you for financial support, or if you work at home providing your family with such services as child care, cooking, and cleaning, you need life insurance. Older couples also may need life insurance to protect a surviving spouse against the possibility of the couple's retirement savings being depleted by unexpected medical expenses. And individuals with substantial assets may need life insurance to help reduce the effects of estate taxes or to transfer wealth to future generations.
Term insurance is the most basic, and generally least expensive, form of life insurance for people under age 50. A term policy is written for a specific period of time, typically 1 to 10 years, and may be renewable at the end of each term. Also, the premiums increase at the end of each term and can become prohibitively expensive for older individuals. A level term policy locks in the annual premium for periods of up to 30 years.
Declining Balance Term insurance, a variation on this theme, is often used as mortgage insurance since it can be written to match the amortization of your mortgage principal. While the premium stays constant over the term, the face value steadily declines. Once the mortgage is paid off, the insurance is no longer needed and the policy expires. Unlike many other policies, term insurance has no cash value. In this sense, it is "pure" insurance without any investment options. Benefits are paid only if you die during the policy's term. After the term ends, your coverage expires unless you choose to renew the policy. When buying term insurance, you might look for a policy that is renewable up to age 70 and convertible to permanent insurance without a medical exam.
Whole Life combines permanent protection with a savings component. As long as you continue to pay the premiums, you are able to lock in coverage at a level premium rate. Part of that premium accrues as cash value. As the policy gains value, you may be able to borrow up to 90% of your policy's cash value tax-free.
Universal Life is similar to whole life with the added benefit of potentially higher earnings on the savings component. Universal life policies are also highly flexible in regard to premiums and face value. Premiums can be increased, decreased or deferred, and cash values can be withdrawn. You may also have the option to change face values. Universal life policies typically offer a guaranteed return on cash value, usually at least 4%. You'll receive an annual statement that details cash value, total protection, earnings, and fees.
Drawbacks to this type of insurance include higher fees and interest rate sensitivity. Universal policies include up-front fees as well as ongoing administrative fees totaling as high as 5% to 7% of your premiums. You may also find your premiums increasing when interest rates decline.
Variable Life generally offers fixed premiums and control over your policy's cash value. Your cash value is invested in your choice of stock, bond, or money market funding options. Cash values and death benefits can rise and fall based on the performance of your investment choices. Although death benefits usually have a floor, there is no guarantee on cash values. Fees for these policies may be higher than for universal life, and investment options can be volatile. On the plus side, capital gains and other investment earnings accrue tax deferred as long as the funds remain invested in the insurance contract.
Universal Variable Life insurance is the most aggressive type of policy. Like variable life, you control your investment in mutual funds. However, there are no guarantees on universal variable policies beyond the original face value death benefit. These policies are probably best suited to affluent buyers who can afford the risks involved.
Key Terms and Definitions
A popular approach to buying insurance is based on income replacement. In this approach, a formula of between five and ten times your annual salary is often used to calculate how much coverage you need. Another approach is to purchase insurance based on your individual needs and preferences. The first step is to determine your unique income replacement needs.
Currently, a large portion of your income goes to taxes (insurance benefits are generally income tax free) and to support your own lifestyle. Start off by determining your net earnings after taxes. Then add up all your personal expenses such as food, clothing, magazine subscriptions, club memberships, transportation expenses, etc. The remainder represents annual income that your insurance will need to replace. You'll want a death benefit amount which, when invested, will provide income annually to cover this amount. Then, you should add to that the amounts needed to fund one-time expenses such as college tuition for your children or paying down mortgage or debt.
Income replacement for nonworking spouses is an important and often overlooked insurance need. Coverage should provide for your costs for day care, housekeeping, or nursing care. Add to this any net earnings from part-time employment.
Finally, estimate your own "final expenses" such as estate taxes, uninsured medical costs, and funeral costs.
Survivorship life insurance (also referred to as last-to-die or second-to-die) is a unique type of contract that insures the lives of two people. It pays a death benefit upon the death of the second insured. Therefore, it is typically less expensive than two individual policies. Survivorship life is often used for estate planning, where it may be possible to potentially leverage today's dollars -- via insurance premiums -- into a potentially significant death benefit that can be used to fund estate taxes, create wealth for future generations, or benefit a charity. These policies may be available if one insured is medically "uninsurable."
First-to-die life insurance insures the life of at least two people and pays a benefit upon the death of the first insured. This policy is useful for covering a mortgage or other large debt obligation where there is more than one debtor. In addition, it can be an ideal tool for funding a buy-sell agreement within a closely held business.
Life insurance is an important component of a sound financial plan. Buying insurance involves asking a variety of personal lifestyle and financial questions. If you are not already working with an insurance professional, you may want to consider the advice of a fee-for-service financial planner who can offer you an objective review of your insurance options. When you decide on what you want, there are many solid insurance companies to choose from. Consult your library or an independent insurance professional for companies with the highest ratings from the four ratings agencies: AM Best, Duff Phelps, Standard & Poor's, and Moody's.
[Continue reading...]
Buying Life Insurance
Who needs life insurance? If there are individuals who depend on you for financial support, or if you work at home providing your family with such services as child care, cooking, and cleaning, you need life insurance. Older couples also may need life insurance to protect a surviving spouse against the possibility of the couple's retirement savings being depleted by unexpected medical expenses. And individuals with substantial assets may need life insurance to help reduce the effects of estate taxes or to transfer wealth to future generations.
Types of Insurance
Declining Balance Term insurance, a variation on this theme, is often used as mortgage insurance since it can be written to match the amortization of your mortgage principal. While the premium stays constant over the term, the face value steadily declines. Once the mortgage is paid off, the insurance is no longer needed and the policy expires. Unlike many other policies, term insurance has no cash value. In this sense, it is "pure" insurance without any investment options. Benefits are paid only if you die during the policy's term. After the term ends, your coverage expires unless you choose to renew the policy. When buying term insurance, you might look for a policy that is renewable up to age 70 and convertible to permanent insurance without a medical exam.
Whole Life combines permanent protection with a savings component. As long as you continue to pay the premiums, you are able to lock in coverage at a level premium rate. Part of that premium accrues as cash value. As the policy gains value, you may be able to borrow up to 90% of your policy's cash value tax-free.
Universal Life is similar to whole life with the added benefit of potentially higher earnings on the savings component. Universal life policies are also highly flexible in regard to premiums and face value. Premiums can be increased, decreased or deferred, and cash values can be withdrawn. You may also have the option to change face values. Universal life policies typically offer a guaranteed return on cash value, usually at least 4%. You'll receive an annual statement that details cash value, total protection, earnings, and fees.
Drawbacks to this type of insurance include higher fees and interest rate sensitivity. Universal policies include up-front fees as well as ongoing administrative fees totaling as high as 5% to 7% of your premiums. You may also find your premiums increasing when interest rates decline.
Variable Life generally offers fixed premiums and control over your policy's cash value. Your cash value is invested in your choice of stock, bond, or money market funding options. Cash values and death benefits can rise and fall based on the performance of your investment choices. Although death benefits usually have a floor, there is no guarantee on cash values. Fees for these policies may be higher than for universal life, and investment options can be volatile. On the plus side, capital gains and other investment earnings accrue tax deferred as long as the funds remain invested in the insurance contract.
Universal Variable Life insurance is the most aggressive type of policy. Like variable life, you control your investment in mutual funds. However, there are no guarantees on universal variable policies beyond the original face value death benefit. These policies are probably best suited to affluent buyers who can afford the risks involved.
Key Terms and Definitions
- Face Value -- The original death benefit amount.
- Convertibility -- Option to convert from one type of policy (term) to another (whole life), usually without a physical examination.
- Cash Value -- The savings portion of a policy that can be borrowed against or cashed in.
- Premiums -- Monthly, quarterly, or yearly payments required to maintain coverage.
- Beneficiary -- The individual(s) or entity (e.g., trust) that is designated as benefit recipient.
- Paid Up -- A policy requiring no further premium payments due to prepayment or earnings.
How Much Insurance Do I Need?
Currently, a large portion of your income goes to taxes (insurance benefits are generally income tax free) and to support your own lifestyle. Start off by determining your net earnings after taxes. Then add up all your personal expenses such as food, clothing, magazine subscriptions, club memberships, transportation expenses, etc. The remainder represents annual income that your insurance will need to replace. You'll want a death benefit amount which, when invested, will provide income annually to cover this amount. Then, you should add to that the amounts needed to fund one-time expenses such as college tuition for your children or paying down mortgage or debt.
Income replacement for nonworking spouses is an important and often overlooked insurance need. Coverage should provide for your costs for day care, housekeeping, or nursing care. Add to this any net earnings from part-time employment.
Finally, estimate your own "final expenses" such as estate taxes, uninsured medical costs, and funeral costs.
Other Types of Life Insurance
First-to-die life insurance insures the life of at least two people and pays a benefit upon the death of the first insured. This policy is useful for covering a mortgage or other large debt obligation where there is more than one debtor. In addition, it can be an ideal tool for funding a buy-sell agreement within a closely held business.
Conclusion
Minggu, 06 Maret 2011
Liability auto Insurance
Car insurance covering liability for injuries and property damage done to others is required in the majority of states, though different states enforce the requirement differently. The state of New Hampshire, for instance, does not insist that motorists carry liability insurance, while in Virginia residents must pay the state a $500 annual fee per vehicle if they decide not to buy liability insurance.
Also, penalties differ state to state in regards to buying insurance, including license suspension, registration penalty fees and even possible jail time! Generally, the bare minimum by local law is that a third party insurance company watches over persons from financial liability, damaged vehicles and injury.
The most important factors for the underwriter are risk on vehicles and retail costs in Huntsville. The most recognizable insurance providers of car insurance have restrictions against vehicles that are created for speed or vehicles that are above a certain price range.
Motor bikes will carry low property premiums because they don’t generally cost as much but they have very high liability premiums because of the high risk nature of riding. Risk classification on automobiles also considers statistical analysis of reported theft, collisions, and mechanical malfunction on every given year, make, and model of car.
[Continue reading...]
Also, penalties differ state to state in regards to buying insurance, including license suspension, registration penalty fees and even possible jail time! Generally, the bare minimum by local law is that a third party insurance company watches over persons from financial liability, damaged vehicles and injury.
The most important factors for the underwriter are risk on vehicles and retail costs in Huntsville. The most recognizable insurance providers of car insurance have restrictions against vehicles that are created for speed or vehicles that are above a certain price range.
Motor bikes will carry low property premiums because they don’t generally cost as much but they have very high liability premiums because of the high risk nature of riding. Risk classification on automobiles also considers statistical analysis of reported theft, collisions, and mechanical malfunction on every given year, make, and model of car.
Delaware Auto Insurance | Car Insurance Quotes
Online Delaware Car Insurance Quotes Save Drivers Hundreds of Dollars
When it comes to cheap Delaware car insurance, choice is to your advantage. Old modes of comparison shopping for affordable car insurance yields only a handful of auto insurance quotes from largely similar issuers. But at Auto Insurance Quote.com, free Delaware auto insurance quotes from all of the state‘s top insurance providers are just a few clicks away. No commitments, no lengthy sales pitches, no hidden caveats. We make finding cheap Delaware car insurance quick, easy, and best of all – free!
Delaware Car Insurance Details:
For hunting down free Delaware auto insurance quotes, leave all the legwork to us. Instead of wasting your time sifting through inscrutable terms and contracts just to get to the premium price, you can simply:
Customized Delaware Auto Insurance Quotes
When you find a quote for auto insurance online, you can ensure that your plan fits your lifestyle. There are numerous variables to factor in when building a cheap Delaware auto insurance policy. Consider some of these areas where you can save:
Security and Savings While You Shop For Online
Your safety on the Web is as important to us as your safety on the road. That‘s why we connect you directly to issuers of cheap Delaware car insurance to complete your transaction. We won‘t collect any unnecessary information beyond a few details needed to find you the most affordable auto insurances plans for you. While browsing our site for free online car insurance quotes, your information is kept secure through our Secure Socket Layer (SSL) server, ensuring that you receive no unsolicited contact.
Finding cheap Delaware car insurance quotes online is safe, quick, easy and free. Saving hundreds of dollars on your auto insurance is just a few clicks away. Enter your zip code above to begin your search.
[Continue reading...]
When it comes to cheap Delaware car insurance, choice is to your advantage. Old modes of comparison shopping for affordable car insurance yields only a handful of auto insurance quotes from largely similar issuers. But at Auto Insurance Quote.com, free Delaware auto insurance quotes from all of the state‘s top insurance providers are just a few clicks away. No commitments, no lengthy sales pitches, no hidden caveats. We make finding cheap Delaware car insurance quick, easy, and best of all – free!
Delaware Car Insurance Details:
- Insurance Premiums Higher Than National Average
- No Fault State
- Personal Injury Protection Required
- Bodily Liability Required: $15,000/$30,000
- Property Damage Liability Required: $10,000
- Uninsured/Underinsured Motorist Coverage Recommended
- Comprehensive Insurance Recommended
- Collision Insurance Recommended
For hunting down free Delaware auto insurance quotes, leave all the legwork to us. Instead of wasting your time sifting through inscrutable terms and contracts just to get to the premium price, you can simply:
- Enter your zip code
- Fill out our brief survey
- Choose the most affordable auto insurance plan that fits your needs
Customized Delaware Auto Insurance Quotes
When you find a quote for auto insurance online, you can ensure that your plan fits your lifestyle. There are numerous variables to factor in when building a cheap Delaware auto insurance policy. Consider some of these areas where you can save:
- Good student discounts
- Discounts for married couples
- Savings for accident-free driving records
- Anti-theft device discounts
- Lower rates for different neighborhoods
- Limited tort or full tort coverage
Security and Savings While You Shop For Online
Your safety on the Web is as important to us as your safety on the road. That‘s why we connect you directly to issuers of cheap Delaware car insurance to complete your transaction. We won‘t collect any unnecessary information beyond a few details needed to find you the most affordable auto insurances plans for you. While browsing our site for free online car insurance quotes, your information is kept secure through our Secure Socket Layer (SSL) server, ensuring that you receive no unsolicited contact.
Finding cheap Delaware car insurance quotes online is safe, quick, easy and free. Saving hundreds of dollars on your auto insurance is just a few clicks away. Enter your zip code above to begin your search.
Professional liability insurance
Professional liability insurance, also called Professional Indemnity Insurance, protects professional practitioners against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called Medical Malpractice. Notaries public may take out errors and omissions insurance (E&O).
Other potential E&O policyholders include, for example, real estate brokers, appraisers, management consultants and website developers. There are also specific E&O policies for technology companies, such as software developers, technology consultants and other creators of technology. This coverage focuses on the failure to perform, financial loss and error or omission of the products or services sold. Additional coverage for breach of warranty, intellectual property, personal injury, security and cost of contract can be added. In a nutshell, this coverage could benefit any business that provides advice or gives a service - and is sometimes required under contract by other businesses that are the beneficiaries of the advice or service.The primary reason for professional liability coverage is that a typical general liability insurance policy will only respond to a bodily injury, property damage, personal injury or advertising injury claim. The above mentioned professional services and products can cause claims without causing a bodily injury, property damage, personal injury or advertising injury. Common reasons alleged in making claims on these policies are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. For example, if a software product fails to perform properly, it may not cause physical damages, personal or advertising injuries, therefore the general liability policy would not be triggered. It may, however, directly cause financial losses which could potentially be attributed to the software developer's misrepresentation of the product capabilities. Importantly, the coverage may not just cover the financial loss but also provide for the defence costs - even if a legal action turns out to be groundless.
Professional liability insurance policies are generally set up based on a claims-made basis, meaning that the policy only covers claims made during the policy period, claims which may relate to incidents occurring before the coverage was active may not be covered. However these policies will have a retroactive date which can operate to provide cover for claims made during the policy period but which relate to an incident after the retroactive date (where the retroactive date is earlier than the inception date of the policy). It is important to continue your coverage, because cancelling the policy, will in effect, make it as if you never had coverage for any incidents.
Although the phrase 'professional liability insurance' is often used to describe the cover provided by a professional indemnity policy, it may also refer to a simple liability policy for professionals. Such liability insurance comprises the standard Employers, Public and Product Liability and is available either as part of a professional indemnity policy or on a separate policy on its own.
These policies used only to be available through traditional insurance agents, but like auto insurance there is now some momentum for these policies to be available through small business insurance online quote and buy facilities such as Hiscox or Insurancebee.
Structured Insurance Settlement
Benefits of a Structured Insurance Settlement
When faced with the decision about accepting a structured settlement, or selling the settlement to receive a large lump sum payment, there are a few things to remember. For many reasons, it’s found to be a better decision to accept the structured settlement.
Here are the benefits of choosing the structured settlement option:
1. The money received from a structured insurance settlement is not taxed by the IRS.
2. When you receive money over a period of time, instead of in one large lump sum, you usually have less problems with family and close friends constantly trying to borrow money.
3. Recipients of structured settlements don’t usually have the problem of where to invest large sums of money. The money is used for their day-to-day living expenses.
4. Very often, when a structured insurance settlement is offered, there isn’t a worry about having to go to court. It’s usually settled out of court, and the person who is being offered the structured settlement saves court costs.
For many people there is a lure of receiving a big lump sum of money. This lure makes people really consider selling their structured settlement for cash. In many cases, the structured settlement can really be the better of the two choices.
Often times, when people have a big sum of money they forget that the money isn’t going to last forever. They begin going on a spending spree and the money is gone before they know it. With a structured settlement, you are sure to have money for the future and there isn’t the worry about spending it all at once.
[Continue reading...]
When faced with the decision about accepting a structured settlement, or selling the settlement to receive a large lump sum payment, there are a few things to remember. For many reasons, it’s found to be a better decision to accept the structured settlement.
Here are the benefits of choosing the structured settlement option:
1. The money received from a structured insurance settlement is not taxed by the IRS.
2. When you receive money over a period of time, instead of in one large lump sum, you usually have less problems with family and close friends constantly trying to borrow money.
3. Recipients of structured settlements don’t usually have the problem of where to invest large sums of money. The money is used for their day-to-day living expenses.
4. Very often, when a structured insurance settlement is offered, there isn’t a worry about having to go to court. It’s usually settled out of court, and the person who is being offered the structured settlement saves court costs.
For many people there is a lure of receiving a big lump sum of money. This lure makes people really consider selling their structured settlement for cash. In many cases, the structured settlement can really be the better of the two choices.
Often times, when people have a big sum of money they forget that the money isn’t going to last forever. They begin going on a spending spree and the money is gone before they know it. With a structured settlement, you are sure to have money for the future and there isn’t the worry about spending it all at once.
Jumat, 04 Maret 2011
Auto Insurance
When it comes to an auto insurance company, consumers have a vast selection of whom to become insured with. There is no single company that can meet the needs of all drivers which makes for a good reason to conduct a comparison. A competitive market can be beneficial to motorists due to the fact that insurers must keep rates affordable, offer ideal customer service and remain financially solvent to earn business.
With various carriers to choose from, it is important that motorists understand the make-up of insurers in order to help locate the right provider. The majority of companies use the same basic formula when calculating the premiums of potential policyholders. These factors usually include a driver's age, gender, driving history, place of residence and vehicle information.
Consumers should also be aware that there are certain companies who compete in the "standard" market and those who specialize in "non-standard" clientele. Dependent on the risk of the insured, a determination can be made as to whether a standard or non-standard company will suit best. Here is a summary of the different auto insurance company classifications:
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With various carriers to choose from, it is important that motorists understand the make-up of insurers in order to help locate the right provider. The majority of companies use the same basic formula when calculating the premiums of potential policyholders. These factors usually include a driver's age, gender, driving history, place of residence and vehicle information.
Consumers should also be aware that there are certain companies who compete in the "standard" market and those who specialize in "non-standard" clientele. Dependent on the risk of the insured, a determination can be made as to whether a standard or non-standard company will suit best. Here is a summary of the different auto insurance company classifications:
Standard (Preferred)
Generally, insurers who target the standard market are aiming their business toward drivers who offer a "preferred" risk associated with insuring. These motorists are usually viewed a less of a liability to the company issuing the policy for reasons such as having a clean driving record with few or no violations, accidents or claims. In certain states where credit is allowed to be used by providers, this can also determine whether a standard auto insurance policy can be obtained.Non Standard
Non-standard policies are mainly acquired by motorists that have a history of major violations, accidents, prior cancellations, claims and/or convictions of driving under the influence of drugs or alcohol. New drivers and those with high performance vehicles may also fall into this category. Generally, non-standard policies are offered at a higher rate and should be sought after once an individual has not been able to locate a company that can offer standard rates.Addmitted vs. Non-Admitted
Every state has an insurance department which regulates insurers and it is important for consumers to understand that there are companies which are admitted (authorized) by the state and those that are considered non-admitted. An admitted carrier follows the guidelines of a particular state and must file rates with the state to gain approval for their use. In addition, it may be in a consumer's best interest to obtain a policy from an admitted carrier due the fact that they are also a part of a state's Insurance Guarantee Association which provides additional protection to policyholders should a carrier become financially insolvent. Non-admitted carriers do not need to file rates; therefore, premiums are not regulated and the state offers no protection against insolvency for policyholders. Such insurers are only allowed to conduct business within the state under certain circumstances and policyholder must sign acknowledgement of a "non admitted status".Top 10 Best Rated Auto Insurance Companies
A rating can be a useful way to determine the financial strength, reliability and stability of an insurer. Certain independent companies assign insurers a letter grade based on a thorough analysis which can be used determine how a carrier is rated.
general auto insurance
General Auto Insurance
The General Automobile Insurance Services, Inc. (The General) is a licensed insurance agency that is a subsidiary of PGC Holdings Corp. (PGC). Through its insurance company subsidiaries and their predecessors, PGC has been writing automobile insurance in many states throughout the country for almost 50 years (since 1963).Financially Stable
The General (an agency) offers auto insurance online from Permanent General Assurance Corporation, Permanent General Assurance Corporation of Ohio, and The General Automobile Insurance Company, Inc. (insurance companies). These insurance companies have been recognized by A.M. Best for their financial stability with ratings of A- (“Excellent”).We accept most cars and drivers
The General offers auto insurance for drivers that have had a history of driving violations or accidents, have not kept their insurance in force or have less than perfect credit. So, you can still find a good price for your auto insurance needs.Low down-payments
We realize that you have other things you want to spend your money on. Therefore, it is our goal to offer a low down-payment option to every policyholder. We offer payment by credit/debit card, and we accept electronic checks in some states.Convenient monthly payments
We combine our budget-sensitive payment plans with electronic verification of driver information and vehicle information when you are buying the policy so there are no surprises to you down the road.Quality Claims Handling
Our policy and claims service organizations are focused on serving the customer to complete the recipe for success.
private health insurance | medical coverage insurance agent
Private Health Insurance
Illness or non-work related injury can be financially devastating, especially when considering the rising cost of health care over the past 20 years. Health insurance can help protect you from large out-of-pocket health care expenses that can accumulate during an acute or chronic illness. If you have a job, your employer may provide group comprehensive major medical coverage. You can also purchase individual comprehensive major medical coverage insurance agent or broker who is licensed by the State of California to sell health insurance products.
professional liability insurance computer consulting
General Liability, Professional Liability, and Errors and Omissions Insurance — we're America's leading online provider of business and professional insurance for the IT industry.
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Business Insurance - Managing Your Risk
Business insurance protects you and your business with coverage for claims related to allegations of negligent activities or failure to use reasonable care. As one of America's leading online providers of business insurance for computer consulting and IT services firms, TechInsurance has helped thousands of businesses and individuals get the small business liability insurance they need. When you buy insurance from us, you get exclusive access to the years of experience and expertise we have accumulated in the business insurance industry. You need business insurance specifically designed to address the risks associated with IT services.General Liability Insurance Coverage
TechInsurance works with leading carriers such as Hartford Insurance to provide Commercial General Liability insurance and Workers Compensation insurance for as little as $350 to $500 each per year. Check out our general liability insurance and property package policy that provides small business liability insurance as well as protection for your company's computers and other assets.Professional Liability Insurance
Professional Liability insurance provides protection against claims that the policyholder becomes legally obligated to pay as a result of an error or omission in his professional work. Also known as Errors and Omissions insurance, this type of professional liability insurance is critical to your business. E&O insurance responds to claims of professional liability in the delivery of your technical services. Allow us to customize an errors and omissions insurance policy for you that is affordable and effective.
Car Insurance Quotes and Coverage
You count on your car to get where you’re going. Shouldn’t you have a car insurance policy you can count on, too? Switch to Nationwide and you could save up to $523* on your online auto insurance quote. You’ll also get car insurance coverage that includes:
Three good reasons to choose Nationwide auto insurance coverage
Nine out of ten Nationwide customers who filed an auto insurance claim would recommend us to a friend or family member. Why? Because we give customers a better claims experience.
Find out more about Nationwide Blue Ribbon Claim Services.
There are lots of ways to save on your car insurance coverage with Nationwide. Save when you insure more than one vehicle, when you stay accident-free, and when you insure both your car and home.
Learn more about auto insurance discounts.
Make sure your car insurance coverage keeps up with your life with a Nationwide On Your Side Review. A Nationwide insurance agent can help you look at the big picture. So you can get the auto insurance coverage that fits your needs, goals and budget.
Learn more about Nationwide On Your Side Review.
* $523 average annual savings based on Nationwide policyholder data through July 2007.
** Written guarantee is available to those persons opting to use a Nationwide Blue Ribbon certified repair shop.
Nationwide, the Nationwide framemark, On Your Side, and Nationwide Blue Ribbon are service marks of Nationwide Mutual Insurance Company.
- A 100% Repair guarantee** for as long as you own your car
- 24/7 Nationwide Blue RibbonSM Claim Services
- Free On Your Side® Reviews to help you choose the discounts and coverage options that are right for your life
Three good reasons to choose Nationwide auto insurance coverage
Better claims service
Nine out of ten Nationwide customers who filed an auto insurance claim would recommend us to a friend or family member. Why? Because we give customers a better claims experience. Find out more about Nationwide Blue Ribbon Claim Services.
Auto insurance discounts
There are lots of ways to save on your car insurance coverage with Nationwide. Save when you insure more than one vehicle, when you stay accident-free, and when you insure both your car and home. Learn more about auto insurance discounts.
Nationwide On Your Side Review
Make sure your car insurance coverage keeps up with your life with a Nationwide On Your Side Review. A Nationwide insurance agent can help you look at the big picture. So you can get the auto insurance coverage that fits your needs, goals and budget. Learn more about Nationwide On Your Side Review.
* $523 average annual savings based on Nationwide policyholder data through July 2007.
** Written guarantee is available to those persons opting to use a Nationwide Blue Ribbon certified repair shop.
Nationwide, the Nationwide framemark, On Your Side, and Nationwide Blue Ribbon are service marks of Nationwide Mutual Insurance Company.
Best quote for Car Insurance, Life Insurance, Health Insurance
Best Quote has been providing the best car insurance and home insurance comparison site for over 6 years. Best Quote offers insurance comparisons of all the major insurers in Ireland to find you the best product in the Irish market. If you want the best quote for your Car Insurance, Life Insurance, Health Insurance, Van Insurance, Income Protection Insurance, Public Liability Insurance, Home Insurance, Travel Insurance and Tradesman Insurance? Best Quote offers not just cheap car insurance but an affordable policy with great customer service guaranteed.
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Free Car Insurance Quotes
If you drive a car in the United States, it is a good chance you are well aware that you are required to have car insurance. If you get pulled over and fail to provide proof of coverage, your driving privileges will be faced with a suspension. You may also be required to pay a steep fine. No one wants this to happen to them! The following paragraphs will discuss three ways to get free car insurance quotes .
The first way you can get car insurance quote is to make some phone calls. Call around to your local car insurance companies and ask them for free quotes. Most companies will jump at the chance to provide this service to any potential customer. In most cases, you will be required to answer some questions to help determine a specific price. The questions also help to determine which type of policy might work best for you.
The one disadvantage of getting your free car insurance quote via the telephone is obtaining your proof of insurance information card. You will not be able to physically prove you have insurance coverage until you receive it by postal mail. If you need your proof of insurance immediately, this option may not work well for you.
Another way you can get car insurance quote easily is to visit different companies in your area. After filling out an application, a representative can give you a quote in as little as minutes. The information on the application is used by the insurance company to determine what sort of policy best fits your needs, as well as the cost of the policy. When you take this path to find and purchase this necessary insurance, you can obtain your insurance card that very day.
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The first way you can get car insurance quote is to make some phone calls. Call around to your local car insurance companies and ask them for free quotes. Most companies will jump at the chance to provide this service to any potential customer. In most cases, you will be required to answer some questions to help determine a specific price. The questions also help to determine which type of policy might work best for you.
The one disadvantage of getting your free car insurance quote via the telephone is obtaining your proof of insurance information card. You will not be able to physically prove you have insurance coverage until you receive it by postal mail. If you need your proof of insurance immediately, this option may not work well for you.
Another way you can get car insurance quote easily is to visit different companies in your area. After filling out an application, a representative can give you a quote in as little as minutes. The information on the application is used by the insurance company to determine what sort of policy best fits your needs, as well as the cost of the policy. When you take this path to find and purchase this necessary insurance, you can obtain your insurance card that very day.
Compare car insurance rates in minutes!
Switch to Car Insurance.com and use RateRefresh™ to find out if you are saving the most on your car insurance.
We offer multiple company insurance rates and the ability to purchase from one place; we are ahead of other online insurance companies. Start your quote to see how companies compete for your business.
Car Insurance.com is not an insurance company; we are a licensed independent insurance agency that represents leading insurance companies. Our online car insurance quote takes a few minutes and then we provide rates directly from multiple insurance companies in 60 seconds or less. Our online purchase process takes the average user 16 minutes; with instant underwriting, payment, and print your proof of insurance! You can purchase insurance online through Car Insurance.com or licensed insurance agents are readily available to assist you.
Don't waste time shopping for car insurance, use Car Insurance.com and RateRefresh™ to automatically find the best rates available; you may learn that you already have the best rate available...that is the power of switching to Car Insurance.com and using it to shop and compare auto insurance rates.
Change File Format Online
When working with a computer, we face various kinds of files. Sometimes, we need to change the format of a file to another format. For example, perhaps we need to change the file with. doc format to format. pdf. Indeed there are many software that can help us. But often the problem is when we need to change the format of a file quickly, but we do not have the software to change it, and we do not have much time to search for modifier software earlier.
We can change the format of a file simply by using only a web browser, now available online file format converter, namely Zamzar.com. This website can help you convert various file formats like. doc,. pdf,. rtf,. txt,. ppt,. html,. docx, and many more. In addition to the document file, this website also can help us change the format for image files, such as bmp, gif, ico, png, and so forth. This website can even help us to change the format of video, audio, and type of compression.
Zamzar.com help us to do all the earlier file format conversion fast, easy, and free.
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