Wednesday, September 20, 2017

What You Need To Know About Contractors Insurance


It is a necessity for any business undergoing construction or renovation to purchase a contractors insurance in order to safeguard their financial stability, as well as their workers' wellbeing. It's not in favor of the business' interest to leave it susceptible to financial drains, in case of management, materials, and manpower problems. There are certainly a lot of risk factors present in a construction site, and all of these could very well hurt a business, if not properly dealt with. Sure, the contractor may be held liable for some of the issues, but most of the losses will be incurred by the property owner. Besides, majority of the states in the U.S. demand that they are secured, before a project license is granted.

Contractors insurance basically covers losses due to lightning, vandalism, fire, lawsuits, injury, and other property damages that are not caused by professional errors or intentional acts. But there are certain policies that do not indemnify against earthquakes, acts of violence, and flooding. The safest plan that you can apply for is a general liability contractor insurance, since it typically takes care of all of the basic concerns, when it comes to this type of activity. Usually, it is the building owner's responsibility to acquire a builder's risk insurance, and ascertain its scope. But, the general contractor can also be tasked to buy it, as stipulated in the contract. It is important to note that this type of property insurance is only valid during the construction period, and is terminated upon the project's completion.

To ensure that you are getting the best policy, it is advisable that you shop around for options, before you settle with a provider. Submit your contracts for quotes if you are a contractor, and negotiate the rate of your policy if you are the business owner. This should help you arrive at a manageable monthly payment term that addresses your construction needs, as well as your monetary limitations.

Next, you should assess the supplementary general condition of your general liability contractor insurance, so that you know who are covered. There are a number of other people who may enter a job site, aside from the builders. You can expect messengers, trespassers, the licensees, and some invitees to come along every once in a while, so they must also be added as insured. To reduce liability exposure, as a contractor, what you can do is determine regulations within the job site, arrange an agreement with the client, and try to be hands-on with any visitation, to pre-empt any potential accidents from happening. It would also be smart to keep the site as hazard free as possible, by disposing all of the materials carefully.

Lastly, never hesitate to use a broker specializing in contractor insurance. This should make the policy application less burdensome. A business owner and contractor would find a broker's meticulous eye for detail and expansive network very helpful, especially for stringent projects. Obviously, you both can't dedicate the right amount of time to go over each unique policy and draw up proposals. A broker will help you accomplish that, and set you up with the right provider or providers as soon as possible.



Article Source: http://EzineArticles.com/7085460

Sunday, September 17, 2017

What Types Of Car Insurance Are There?



The three categories of car insurance, car damage and loss of each or designed to address the different aspects, is available because of use of the car.

In most states, the law requires that you have carry liability insurance for your car, which makes it the most common type of car insurance. Liability policies provide coverage solely for damage incurred by the other driver in a wreck.

Liability insurance only covers damage to the property or other person that you may inflict with your vehicle while it is in use, it doesn't cover you or your property at all, which is why you can add on other portions of insurance to get full coverage. The most typical policy type is collision coverage. Basically, collision insurance, insurance cover to deal with the issue of liability, as well as car owners, and included damage to other cars damaged. This covers not just other people but the driver and their car.

Often the driver's vehicle is assumed to encompass rental cars, but not just a borrowed vehicle. "Collision" is defined, in some instances may be limited in a way that is counter to intuition: in accidents involving animals, for example, can not be legally classified as a collision.

Comprehensive insurance is the next category of insurance. Comprehensive insurance covers many possible kinds of automobile damage, and also includes collision coverage. Various policies cover a range of hazards: coverage for theft and fire are quite typical.

A very real concern in many suburbs and rural communities as white-tail and mule deer populations grow and come in contact with human habitats and the depending on where you live and what problems are likely, you may wish to find comprehensive that includes protection against vandalism, or against damage from weather, or from moving accidents involving animals like deer.

Everything else falls into a category that we'll call "miscellaneous." To cope with various specific risks, and a range of vehicles and there are specific forms of insurance. The loss of use of a vehicle and it is possible to purchase insurance against. (when being fixed, for instance), and to be prepared for situations involving collisions with drivers carrying little or no insurance. Most aren't aware that you can even get coverage for items kept inside the car. With comprehensive insurance, each part added to the coverage increases the cost.

To understand what's your insurance, if you choose a supplier, a specific program, you need to do some research first. Contacts various firms and read their literature pertaining to the plans they offer.

Most accurate and wide ranging method of exploring your options and these days online is often the fastest: Certainly do online research. Start soliciting quotes regarding price and once you have a sense of what you want. As we said before, you may do that the old-fashioned way, or you may do various checks over the Internet.

After you have done your homework and have all the facts on pricing and policies then you are ready to make a smart and informed choice on which insurance company to go with and which plan to purchase.



Article Source: http://EzineArticles.com/2265714

Thursday, September 14, 2017

Top 10 Car Insurance Buyer Mistakes



Car insurance, or any type of auto insurance for that matter, is something we simply cannot avoid. In most developed countries, it's illegal to drive a vehicle on public roads without appropriate cover, so we really have no choice but to bite the bullet and cough up.

With that said, the average person continues to pay more than they need to, simply because they make the same mistakes over and over again. Here are 10 mistakes to avoid when it comes to car insurance:

1. Failure to Shop Around

Many people take out insurance with a particular company simply because the company was recommended to them by friends or family. This can prove to be a very costly mistake because there are so many variables involved, and besides, just because that may have had the best rates last year, doesn't mean they're still offering the best rates this year. You need to get quotes from at least six or seven providers before you make a decision.

2. Choosing the Minimum Deductable

The deductable is what you pay out of your own pocket should you submit a claim. The lower the deductable, the less you pay in the event of a claim, but the higher your premiums will be. Increasing the deductable amount, within reason of course, can lower the cost of auto insurance considerably.

3. Keeping the Same Level of Cover

Sure, if you buy a new car, or even a relatively new one, you'll want maximum cover, so you buy fully comprehensive cover. This type of cover will cover you completely, no matter what, but it costs. But, once your car has aged a bit, and decreased in value, do you really need maximum coverage? After all, you could end up paying more for insurance over a two year period than what your car is worth.

4. Failure to Inquire About Discounts

Don't assume your insurance provider is going to keep you updated regarding new discounts or special rates. Why would they want to voluntarily lose money?

5. Including Unnecessary Drivers

If you have more than one driver in your home, only include those who use your car regularly on your car insurance policy. This is particularly true in the case of teens. If your teenager only uses the car once or twice each year, rather opt for temporary cover when it's needed.

6. Including All Drivers as Fulltime Drivers

If your partner or child only uses your car occasionally, ask your insurance provider if they offer discount rates for occasional drivers or limited mileage.

7. Failure to Check Driving Record

While it may not be a common occurrence, many people end up paying more for insurance because their driving record shows a history of traffic violations and/or accidents, when in fact they have never had any such violations or accidents.

8. Poor Credit History

Contrary to what many people believe, many insurance companies, but not all, will run a credit check, and if you have a poor credit history, it can push up the costs of auto insurance dramatically. If your credit score is less than perfect, choose a provider that doesn't factor in a person's credit score.

9. Claiming for Minor Incidences

Don't submit a claim for minor things. If you can pay for minor repairs out of your own pocket, you'll stand to benefit more in the long run. The more you claim, the higher your premiums are going to be.

10. Not Researching Before Buying a Car

Certain makes and models cost more to insure simply because statistics show they are more likely to get stolen. Check with insurance providers to find out what cars are best avoided before you actually buy a car.

Car insurance is here to stay, but if you avoid these common mistakes, you may just be pleasantly surprised at how affordable cover can be.



Article Source: http://EzineArticles.com/6268388

Monday, September 11, 2017

Modern Customers Expect Modern Customer Service



Customer service has always been key to success for any small business. In today’s on-demand society, keeping clients happy means meeting modern demands. Know how to navigate social media and how to keep payment options updated to help your on-the-go customers stay happy and ready to recommend you to all of their friends.

Friday, September 8, 2017

Monday, September 4, 2017

How To Choose Auto Insurance That's Right For You



Auto insurance basically refers to insuring your family's main vehicles. People love their cars, they cannot bear any harm on them. Moreover, car accidents are the most common type of accidents happening on a hourly basis in almost every city, state and nation.

Most of the car owners prefer to get their car insured but the problem is most of them do not have any idea about what to include in the risk coverage. Auto insurances can even cover your health risks that might happen in case of an auto accident. How much you pay your auto insurance depends upon a number of factors which includes age, marital status, address, type of car you drive etc. The premium amount you have to pay depends upon your age and also the kind of car you drive.

Not to forget that it is required by law in most States that you have Auto Insurance before you are allowed to drive.

In order to get a proper insurance for your car you should have the knowledge about what your insurance is actually insuring. It should be kept in mind that the single insurance policy that you are undertaking should cover all the major risks that might be associated to your vehicle.

The five major risks that should be kept in mind while getting auto insurance is as follows:
Bodily Injury Liability: covers deaths and injuries caused during an auto accident.

Medical Payments: payments for injuries to yourself, other occupants of the car. Personal injury protection is provided by it.

Property Damage Liability: covers costs of repair for the damage caused to your car in case of an accident.

Uninsured motorist Protection: caused injuries caused to the car owner and other occupants of the car by uninsured hit ad run drivers are covered. Under insured coverage is also available, to cover claims you may make against a driver who has insufficient insurance.

Collision Coverage: covers damage to your car up to its real value. It carries a deductible amount which is the amount per claim the owner has to pay before the insurance takes effect. The lower the deductible, the higher is the premium.

The above tips should be kept in mind when getting auto insurance. The above points are the five basic tips which one requires while getting auto insurance. It is essential that an auto insurance covers the above mentioned coverage areas so as to reduce the risk to your vehicle and your liability, to almost minimum.



Article Source: http://EzineArticles.com/6209289

Friday, September 1, 2017

Types Of Business Insurance Coverage : Business Insurance Tips



There are a few main types of business insurance coverage for you to choose from. Learn about the types of business insurance coverage with help from the president of A.L. Saland Insurance Solutions in this free video clip.

Tuesday, August 29, 2017

Insurance For The Small Business Owner



From the Insurance Information Institute http://www.iii.org. A Business Owner Policy, or BOP, may be what your need as a small business owner. A BOP covers your business for property and liability and helps keep your assets safe. Learn more in this video produced by Russell Productions in NYC in association with the I.I.I. For more info on business insurance, check out the Insurance Information Institute at http://www.iii.org

Saturday, August 26, 2017

Flood Insurance For Your Home



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Wednesday, August 23, 2017

Fixed vs. Variable Annuities



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Sunday, August 20, 2017

What Is Bonding Insurance? : Basic Insurance Advice



Bonding insurance is a trust or satisfaction type of insurance. Learn about bonding insurance with help from a longtime member of the professional banking and insurance industries in this free video clip.

Thursday, August 17, 2017

Types Of Insurance In Construction : Insurance Facts



There are many different types of insurance in construction designed to cover everything from accidental injuries to the equipment that you would use. Learn about types of insurance in construction with help from a chartered property and casualty underwriter and the owner of a property and casualty insurance brokerage in San Francisco in this free video clip.

Monday, August 14, 2017

Insurance Facts : How To Get Insurance To Do Contracting Work



When getting insurance to do contracting work, purchase a general liability insurance policy and a worker's compensation policy to cover employees. Contact a local independent insurance agent to help with contracting insurance policies, and consider advice from a licensed insurance salesperson in this free video on insurance.

Friday, August 11, 2017

Types Of Liability Insurance For Contractors



The types of liability insurance for contractors cover workers injuries, business equipment and more. Learn about the many types of liability insurance for contractors with help from a business consultant and marketing expert who has owned a wholesale and retail business in this free video clip.

Tuesday, August 8, 2017

About Contractors Liability Insurance : Liability Insurance



Contractors liability insurance is a challenging and desirable area of business for most insurance companies. Learn about contractors liability insurance with help from an experienced insurance professional in this free video clip.

Saturday, August 5, 2017

Tax Deductible Losses



If your house or other expensive property was damaged by a fire or a flood or other sudden unexpected disaster, some of your losses could be deducted on your taxes. This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Wednesday, August 2, 2017

Summer Insurance Tips


As a responsible home and vehicle owner, you know that taking care of your car insurance and home insurance is top priority. Individuals that choose to "save money" by failing to purchase home insurance or worse, illegally driving without car insurance, are quick to find the cost of insurance is far less than the cost of replacing an vehicle or dwelling when misfortune strikes. Although months and even years (for the lucky ones) may pass without incident, living without insurance means living under a constant cloud of worry and fear.
If you are among the millions that have made the responsible choice to purchase insurance, congratulations. You are on the right track. Having insurance gives you peace of mind during your day to day activities. However, what about when you are away from your home for an extended period of time or if you are using your vehicle for a road-trip? A few simple steps are all that is required to help reduce the risk of loss or claim while you are away on vacation.
  • Plan for someone trustworthy to check your house and yard every day and to pick up your mail and flyers. (For extended trips, suspend your paper delivery.) Have this person walk through your home periodically to check for sign of weather damage, attempted entry and water leaks.

  • If all possible, turn off the water to your dishwasher & washing machine to avoid any unnecessary water damage. Prior to your vacation, have an inspection done on your water heater if it is over ten years old.

  • For protection from power surge damage unplug major appliances, TV's, computers, microwaves, etc.

  • If you are taking your vehicle on vacation with you, check your auto insurance policy to ensure you are up to date and aware of your coverage and deductibles. Take your vehicle in for a spring tune up as our harsh Canadian winter can take its toll. Check the tire wear, electrical, proper functioning of horns, lights and other safety features. The last thing you want is to have vehicle trouble while on a road trip. Not only does tuning up your car before a trip greatly reduce the chances of having an incident, it will also extend the overall life and durability of your vehicle.

  • Bringing out your trailer and hitting the open road in the summer is exciting. Does your auto insurance extend to your trailer? Make sure you have the proper coverage for your trailer. Give your trailer a good walk over to note any areas of concern and ensure you do not forget to have your bearings and electrical checked annually by a professional.

  • Do not leave your vacation trailer or motor home parked on your property for days prior to leaving. The savvy intruder will notice when it is not parked out front, signaling an opportune time for entry into your empty home. Go a step further in discouraging thieves by having your lights and radio set on an automatic timers so it appears that you are home. Closing all window coverings on all the floors of your home keeps them guessing if the home is inhabited or not, which is a major deterrent for the burglar.

  • If your vacation leaves a vehicle at home, purchase a safety device to lock the steering wheel, while you are away.
Thanks to your many affordable insurance options, you can go about your daily duties and your summer vacations without the dread of accidents or break-ins. While these unfortunate things do happen from time to time, taking precautions, like the ones listed above, and making sure your car insurance and home insurance covers your needs and remains up to date is all it takes to enjoy the priceless feeling of having daily peace of mind.


Article Source: http://EzineArticles.com/6430839

Sunday, July 30, 2017

Car Insurance Coverage Explanation : Auto Insurance



Car insurance coverage works in a few different ways depending on your policy. Find out about car insurance coverage with help from a fee-based insurance and risk management consultant in this free video clip.

Expert: Dan Weedin
Filmmaker: Jay Windland

Series Description: You need to be aware of exactly how various car insurance policies work so you can be sure that you're getting the best coverage for your hard earned money. Get tips on car insurance with help from a fee-based insurance and risk management consultant in this free video series.

Thursday, July 27, 2017

How Does Car Insurance Work? : Auto Insurance



Car insurance is designed to protect the policy holder in the event of a number of different situations. Find out about how car insurance works with help from a top insurance lawyer in this free video clip.

Monday, July 24, 2017

Health Care Costs And Subsidies



The interplay of costs, subsidies and pre-existing conditions in the health care debate is explained by CalChamber President and CEO Allan Zaremberg at the CalChamber Capitol Summit on May 31, 2017.

Friday, July 21, 2017

Informed Citizen: Auto Insurance



The Informed Citizen explains about the different types of auto insurance coverage and how to choose an insurance company.

Tuesday, July 18, 2017

Why Contractors Insurance?


Insurance is obviously a very important commodity in life, and for the modern day professional, it is essential. Professional/Business insurance is vital in the fast paced, often high risk commercial sphere, and it takes understanding its benefits to fully appreciate its importance.

Business Insurance comes in many forms depending on circumstance and situation, and each cover policy is designed with an area of professional risk in mind.

Contractor insurance specifically is small business insurance designed for those who are classed as contractors and work from a contract to contract basis.

Contractors are skilled professionals who are not under direct employment by any company or firm and instead work via their own limited companies. Although a contractor may be working for a firm or company, they are not employees, rather hired hands on behalf of their limited companies who will have agreed to a prior working contract (6 months / a year for example).

Contractors fundamentally are self-employed and work for themselves. As well as certain benefits that come with being a one man company hired within a larger firm, the largest advantage that contractors have is that their tax bracket is far lower than that of an average employee, thus making their take home pay considerably more.

Contractors are able to earn up to 25% more than the average worker due to a much lower tax bracket. This is because contractors work for their own limited companies therefore do not fall under the typical taxed payroll of an employee. This amount of freedom does however come with downsides, as being your own boss means that you are not covered with sick pay, health benefits or welfares that large cooperate businesses offer, and that is where the benefits of contractor insurance become apparent. Contractor Insurance provides the relevant and helpful protective cover to any contractor or freelancer.

Contractors protect themselves with appropriate Contractor Insurance. It can be extremely useful if mistakes are made throughout the course of a contract, or if misfortune such as accidents or illness occurs.

Without the proper insurance, tax investigations, negligence claims, illness and much more would be an extremely costly and harsh process. Insurance for contractors is designed in a way in which a contractor is covered both for all costs and efforts should any claims occur or legal action (IR35 for example) is taken against the contractor.

As a professional, insurance is obviously important, but as contractors are practically self-employed, their high risk position makes the need for specific insurance far greater. Contractor insurances range from Professional Indemnity Insurance, a policy designed to protect a contractor in any case of claims of negligence being made against them, to full IR35 insurance, a must have policy for any secure contractor.

Not all contractor insurance policies will be necessary to all areas of expertise, but most apply across the board and provide benefits to a vast number of contracting professions.



Article Source: http://EzineArticles.com/7288219

Saturday, July 15, 2017

Informed Citizen: Rental Car Insurance



Confused and overwhelmed by insurance options at the rental car counter? Justin, the Informed Citizen, is here to break it all down and tell you how to save money and protect yourself.

Wednesday, July 12, 2017

Five Ways To Save Money On Auto Insurance



A simple guide to help you save money on insurance in easy ways.

This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Sunday, July 9, 2017

Avoiding Insurance Mistakes: Five Tips



Five big mistakes to avoid when making decisions about your insurance. I.I.I. offers tips on how to save money and still properly protect yourself.

Thursday, July 6, 2017

Informed Citizen: Renters Insurance



Justin explains the important of renters insurance and how it can save you lots of money and headache.

Monday, July 3, 2017

Advice from Dummies: Smartly Saving Money on Homeowners Insurance



Crystal tells Kirk how to smartly save money on his homeowners insurance and avoid the mistake of insuring for the real estate value.

Tuesday, June 27, 2017

The i's On Insurance: The Claim Game: Auto



Filing an auto insurance claim is never fun. But with these simple steps from the Insurance Information Institute (http://www.iii.org), you can save yourself a lot of time and trouble.

Saturday, June 24, 2017

Evacuation: The 10 Minute Challenge




Two families take the Ten Minute Challenge to see if they can evacuate their homes in just ten minutes. Erica and Jason Bish have prepared ahead of time and know what to pack and who will do it. Alex and Steve Gorman have not. The Insurance Information Institute says the key is to plan ahead. Gather insurance policies, wills and deeds, marriage licenses, home inventory and other financial documents in one place. Be sure to pack medicines, toiletries, and clothing for three days. Candysse Miller of the Insurance Information Network of California says families should ask themselves "If I had just ten minutes to get out, what would I take?"

Wednesday, June 21, 2017

It’s A Big World. Let’s Protect It Together.



We believe that only by working together can those of us whose work affects the safety of others — from electricians to engineers to first responders — build a network of intelligence to keep our increasingly complex world safe. NFPA is committed to leading this charge, working tirelessly with tradespeople and professionals to stay ahead of problems and to create real-time solutions to prevent loss to life and property.”

Sunday, June 18, 2017

Federal Tax Reform



Reviewing federal tax reform efforts at the CalChamber Capitol Summit on May 31, 2017 is Lanhee J. Chen of the Hoover Institution.

Thursday, June 15, 2017

Overcome Small Business Cash Flow Woes



Whether it’s extending payables as long as possible or maintaining cash reserves, small business owners have a lot of tools at their disposal to help create more breathing room. Here are five tips to put you in a better financial spot.

Monday, June 12, 2017

Government-Run Health Care Proposal Update



CalChamber Policy Advocate Karen Sarkissian provides the latest information on the government-run health care proposal at the CalChamber Capitol Summit on May 31, 2017.

Friday, June 9, 2017

Small Businesses Can Beat Big-Box Stores At Their Own Game



It might not seem like it at times, but small business owners have a lot of advantages over their bigger competitors. Whether it’s offering better customer service or providing higher quality items, here’s how David beats Goliath.

Tuesday, June 6, 2017

Teenage Drivers



Teenage drivers are involved in four times as many fatal crashes than any other age group. On average, six thousand teens are killed each year in crashes that often involve alcohol. Neil Bernstein, adolescent psychologist, says teens are often reckless and think they are invulnerable. Dr. Allan Williams, Insurance Institute for Highway Safety says laws establishing night time curfews, lowering the legal blood alcohol content, and raising driving age are helpful. He also says driving privileges should be phased in through graduated driver's licenses. This video is from the Insurance Information Institute.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Saturday, June 3, 2017

CalChamber - Helping Businesses Thrive



How California Chamber of Commerce helps business entrepreneurs like 2017 Chair Susan Corrales-Diaz of Systems Integrated do well and create jobs.

Wednesday, May 31, 2017

Contractor's Insurance Requirements : Insurance Information



There are a few specific requirements that you're going to have to meet if you want to obtain contractors insurance. Learn about contractors insurance requirements with help from an insurance professional in this free video clip.

Sunday, May 28, 2017

Definition Of Business Insurance



Definition of Business Insurance. Part of the series: Overview Of Insurance. Business insurance, unlike personal insurance, protects the entity instead of the individual. Learn about the definition of business insurance with help from an insurance professional in this free video clip.

Thursday, May 25, 2017

Grill Safety



For some reason, the first bar-b-cue of the season is always the best. Maybe it's the change in the weather, the family, or the food. But it's also when most fires and explosions occur. Anne Brown of the Consumer Product Safety Commission says if you have a grill that hasn't been used all winter, be sure to carefully inspect it and clean it, and make sure the gas container is properly attached to the grill. The Insurance Information Institute says to look for leaks, cracks and brittleness in the hoses leading to the burners. Make sure the grill is at least ten feet from the house, garage or trees. Never leave the grill unattended around children, says Captain James Resnick of the Montgomery County Fire Department, because there are so many potential hazards. And always keep a fire extinguisher handy. In an emergency, it can stop a fire before it spreads.

Monday, May 22, 2017

The Relationship Between Fire Pumps And PRV's | Chad Duffy



Chad Duffy answers a live audience question from his NFPA Live talk on the relationship between fire pumps and PRV's. Become an NFPA member to see the exclusive videos and ask questions of our technical experts.

Friday, May 19, 2017

Six Steps To Follow When Filing A Claim



If your home has been damaged or destroyed by a disaster, these are the steps to follow when filing an insurance claim: (1) Call your agent (2) Document your loss (3) Keep receipts (4) Make temporary repairs (5) Get organized (6) Don't be a victim of a scam. This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Tuesday, May 16, 2017

How Does Business Liability Insurance Work?



Business liability insurance is something that every business owner should have because it covers the business owner in the event that a third party is injured on the premises. Protect a business from a large lawsuit using business liability insurance with tips from an insurance agent in this free video on insurance.

Saturday, May 13, 2017

Driving With Trucks



Everyone knows that trucks drive differently than cars, but few know how to drive safely along side of a truck. Brian O'Neil, former president of the Insurance Institute for Highway Safety says in crashes between cars and trucks, the consequences for cars is often catastrophic. The Insurance Information Institute urges drivers to use car passing a truck, know where the blind spots are. Phyllis Schenberg, Government Accountability Office, says there were half a million crashes involving trucks in 1997 and 5,000 fatalities. Remember: The larger the truck, the bigger the blind spot and the more room they need to stop or turn.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Wednesday, May 10, 2017

Changes To The 2017 National Electrical Code



Jeff Sargent, regional code specialist for the National Fire Protection Association, discusses changes to the 2017 National Electrical code that will effect different types of electrical work.

Sunday, May 7, 2017

Construction Insurance Requirements : Insurance Basics



Requirements for construction insurance have risen in recent years due to concerns about liability. Learn about construction insurance requirements with help from a fee-based insurance and risk management consultant in this free video clip.

Thursday, May 4, 2017

CalChamber Testifies on Financial Burden of SB 562 - Government-Run Healthcare



CalChamber Policy Advocate Karen Sarkissian details for the Senate Health Committee the huge financial burden SB 562 will place on employers for an “inherently flawed system lacking competition and important cost containment mechanisms which will result in lower quality and higher cost health care for all Californians.”

Sunday, April 30, 2017

Wednesday, April 26, 2017

Butter Chicken Mac 'N' Cheese



Here is what you'll need!

Butter Chicken Mac ‘N’ Cheese
Servings: 4-6

INGREDIENTS
15 grams butter
300 grams chicken chopped
Salt, to taste
Pepper, to taste

Sauce
1 onion, chopped
1 tablespoon plain flour
300 milliliters milk
50 grams butter chicken sauce
250 grams mozzarella cheese
250 grams cheddar cheese

200 grams elbow pasta, cooked
100 grams mozzarella cheese, grafted

Coriander, to garnish


PREPARATION

1. Preheat the oven to 180°C/350°F.
2. Melt the butter in a large skillet pan until melted.
3. Add the chicken and fry for about 5-8 minutes or until cooked through. Take out and set aside.
4. Add the onion and fry for 2 minutes.
5. Stir in the flour.
6. Gradually whisk in the milk.
7. Whisk in the butter chicken sauce.
8. Whisk in the mozzarella and cheddar cheese.
9. Once the cheese has melted into the mixture, stir in the elbow pasta.
10. Sprinkle on some more cheese on top.
11. Bake in the oven for 15 minutes, until the cheese is brown and bubbling on top.
12. Garnish with coriander.
13. Enjoy!

Saturday, April 22, 2017

Spring Cleaning For The Exterior Of Your Home



Each year millions of dollars in damage are caused by water damage due to poor maintenance on the outside of homes. According to the Insurance Information Institute, good home maintenance can save homeowners thousands of dollars. Jeff Sciaudone, Institute for Business and Home Safety, says you should check your gutters, downspouts and roof to be certain that they are in good condition.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Tuesday, April 18, 2017

Are You Ready for Retirement?



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Tuesday, April 11, 2017

Mold



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Friday, April 7, 2017

Mold



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Wednesday, April 5, 2017

Yard Sale



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Saturday, April 1, 2017

Small Businesses Are Embracing Apps More Than Ever



Apps aren’t just fun distractions. Owners increasingly use them to boost productivity, improve cash flow, create better time management, and a whole lot more.

Wednesday, March 29, 2017

Contractor Insurance - Overview


Contractor insurance is an essential element of running a contracting business and comprehensive insurance cover can mitigate the impact of events such as thefts, an investigation by HMRC or even the threat of legal action and compensation arising from client accusations of negligence.

Umbrella company contractors are normally covered by their umbrella company employer's policy, but limited company contractors must make their own arrangements to ensure they have adequate cover in place to satisfy business and client requirements.

Insurance types to consider

There are three main categories of insurance that contractors should consider:


  • Office
  • Professional indemnity
  • Tax investigation.

A comprehensive office policy would normally include public liability and employee liability, legal requirements for trading limited companies, plus home office contents and portable equipment cover for business equipment, such as laptops and mobile devices.

Professional indemnity insurance, also known as 'PI', will provide the funds to cover legal advice if a client levels accusations of negligence against a contractor, and may also cover any payouts for compensation. Most clients, particularly those in the public sector, require that a contractor limited company has at least £1m in PI cover.

Tax investigation insurance covers the cost of accountants and other expert assistance in the event of an investigation by HMRC. A routine compliance visit by an inspector may only cost a few hundreds of pounds in an accountant's time, but if the investigation develops into a full-blown IR35 case, the cost of an expert defense can run to tens of thousands of pounds, which could financially ruin a contractor who does not have insurance.

Choosing the right policies

Not every contractor's insurance needs will be the same. Some contractors may have requirements unique to their sector, or could have business premises, such as an office or workshop, that require specialist cover.

A specialist small business insurance broker will usually assess a contractor's insurance requirements as part of their service and then actively seek out the most appropriate policies for the contractor's specific needs from the market.

Alternatively, it is possible to obtain a comprehensive package of insurances directly from an insurance company, but contractors should ensure the insurer understands the contractor marketplace and has a track record in providing contractor insurance products.

Contractor insurance costs

As most policies will be individually tailored to a specific contractor's needs, each policy is priced accordingly. Buying insurance in a bundle direct from an insurer or via a broker is usually more cost effective than buying different policies direct from different suppliers.

As a rule of thumb, a comprehensive office policy costs a few hundred pounds, PI insurance from a few hundred to several thousands, depending on the amount of cover required and the type of services the contractor provides.

Tax investigation insurance comes as a benefit of PCG membership. If bought separately, it can cost a few hundred pounds a year, and compared to the potential cost of an investigation, it is generally a worthwhile investment.



Article Source: http://EzineArticles.com/5835702

Sunday, March 26, 2017

Advice from Dummies: Smartly Saving Money On Homeowners Insurance



Crystal tells Kirk how to smartly save money on his homeowners insurance and avoid the mistake of insuring for the real estate value.

Thursday, March 23, 2017

Spring Cleaning For The Exterior Of Your Home



Each year millions of dollars in damage are caused by water damage due to poor maintenance on the outside of homes. According to the Insurance Information Institute, good home maintenance can save homeowners thousands of dollars. Jeff Sciaudone, Institute for Business and Home Safety, says you should check your gutters, downspouts and roof to be certain that they are in good condition.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Wednesday, March 22, 2017

Sunday, March 19, 2017

Introducing NFIB's 2017 Small Business Playbook



The 2017 Small Business Playbook brings you a better, faster, and stronger report of NFIB's efforts as well as small business advice.

Wednesday, March 15, 2017

Uninsured Motorists



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Friday, March 10, 2017

Monday, March 6, 2017

Insuring Expensive Items In Your Home



Dr. Hartwig of the Insurance Information Institute (http://www.iii.org) explains how to properly insure all of your possessions. While a standard homeowners policy covers you for most things in your home, luxury goods such as fine jewelry and furs, antiques, artwork, and other expensive items need special policies. To insure these types of items, contact your insurance agent and get an umbrella policy for them.

Thursday, March 2, 2017

Fire Prevention



Elaine Nashashibi had just minutes to get out of their house when the smoke detector went off. Today she says smoke detectors are absolutely essential and should be checked regularly to be sure they are in good working order. Fire education expert Mary Marchone says the more smoke detectors you have in your home the more likely you will be able to escape a fire. According to the U.S. Fire Administration is that people are not taking proper care of battery operated smoke detectors which means many people think they are protected when they are not. The biggest mistake occurs when a homeowner removes a dead battery then fails to replace it for days, weeks or months.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Monday, February 27, 2017

Why Contractor Insurance?


Insurance is obviously a very important commodity in life, and for the modern day professional, it is essential. Professional/Business insurance is vital in the fast paced, often high risk commercial sphere, and it takes understanding its benefits to fully appreciate its importance.

Business Insurance comes in many forms depending on circumstance and situation, and each cover policy is designed with an area of professional risk in mind.

Contractor insurance specifically is small business insurance designed for those who are classed as contractors and work from a contract to contract basis.

Contractors are skilled professionals who are not under direct employment by any company or firm and instead work via their own limited companies. Although a contractor may be working for a firm or company, they are not employees, rather hired hands on behalf of their limited companies who will have agreed to a prior working contract (6 months / a year for example).

Contractors fundamentally are self-employed and work for themselves. As well as certain benefits that come with being a one man company hired within a larger firm, the largest advantage that contractors have is that their tax bracket is far lower than that of an average employee, thus making their take home pay considerably more.

Contractors are able to earn up to 25% more than the average worker due to a much lower tax bracket. This is because contractors work for their own limited companies therefore do not fall under the typical taxed payroll of an employee. This amount of freedom does however come with downsides, as being your own boss means that you are not covered with sick pay, health benefits or welfares that large cooperate businesses offer, and that is where the benefits of contractor insurance become apparent. Contractor Insurance provides the relevant and helpful protective cover to any contractor or freelancer.

Contractors protect themselves with appropriate Contractor Insurance. It can be extremely useful if mistakes are made throughout the course of a contract, or if misfortune such as accidents or illness occurs.

Without the proper insurance, tax investigations, negligence claims, illness and much more would be an extremely costly and harsh process. Insurance for contractors is designed in a way in which a contractor is covered both for all costs and efforts should any claims occur or legal action (IR35 for example) is taken against the contractor.

As a professional, insurance is obviously important, but as contractors are practically self-employed, their high risk position makes the need for specific insurance far greater. Contractor insurances range from Professional Indemnity Insurance, a policy designed to protect a contractor in any case of claims of negligence being made against them, to full IR35 insurance, a must have policy for any secure contractor.

Not all contractor insurance policies will be necessary to all areas of expertise, but most apply across the board and provide benefits to a vast number of contracting professions.



Article Source: http://EzineArticles.com/7288219

Thursday, February 23, 2017

Video: How To Cut Down on 3 Big Money Wasters



Good financial management isn’t just about controlling major expenses—the little stuff adds up, too.

Wednesday, February 22, 2017

Buying A Home



When it comes time to buy that dream house, the cost to insure it is often overlooked. The I.I.I. has created a checklist of important factors to consider before deciding to purchase a new home.

Sunday, February 19, 2017

3 Email Organization Tips For Small Business Owners



On average, more than 100 business emails are sent or received every day. Here’s how to declutter the mess.

Thursday, February 9, 2017

Understanding Trees And Insurance



Lynne McChristian, Florida Representative of the I.I.I., gives a simple breakdown of how trees are covered by homeowners insurance and also instructs homeowners on how to properly inspect and maintain their trees in preparation for hurricane season.

Monday, February 6, 2017

Water Damage: Test Your Water IQ



Water can damage your home in many ways. Do you know what is covered and what isn't? This video explains the different types of coverage from burst pipes to torrential floods. Spokespersons: Jeanne M. Salvatore, Insurance Information Institute; Ed Connor, National Flood Insurance Program.

Tuesday, January 31, 2017

The i's on Insurance: Your Homeowners Coverage



The Insurance Information Institute http://www.iii.org is all about helping consumers understand 'what insurance is and how it works.' If you're a homeowner, or are considering buying a home, you'll want to know the basics of homeowners insurance. "The I's on Insurance: Your Homeowners Coverage" explains what most policies cover (and don't cover). Watch and learn about liability, additional living expenses and other coverages in your insurance policy. And discover that protecting your family's home and belongings with a policy that balances your needs and budget doesn't have to be a chore.

See Insurance Through the I's: Subscribe to our YouTube channel: iiivideo for future "The I's on Insurance" features and other videos about how to be safe, sure, and covered for the unexpected. You can also follow us on Twitter @iiiorg to stay plugged in to the latest information and news about your home, auto, and business insurance.

Friday, January 27, 2017

3 Small Business Goals For 2017



Here are a few tips to not just better yourself, but to improve your whole team.

Tuesday, January 24, 2017

What Is An Insurance Deductible?



What Is an Insurance Deductible?. Part of the series: Life Insurance & More. An insurance deductible is related to the amount of money that you would pay out of pocket. Find out about an insurance deductible with help from a nationally-recognized insurance expert in this free video clip.

Saturday, January 21, 2017

Finance Director Provides CalChamber Members with Details of Governor’s Proposed 2017–18 Budget



California’s budget remains precariously balanced, California Department of Finance Director Michael Cohen explained yesterday during a luncheon at the California Chamber of Commerce. Highlights of the presentation are included in the latest CalChamber Capitol Report video.

Wednesday, January 18, 2017

Don't Be A Dummy About Flood Insurance



Crystal talks some sense into dummy Kirk about the importance of flood insurance.

Sunday, January 15, 2017

Protect Your Home Against An Earthquake



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Thursday, January 12, 2017

Commercial General Liability Insurance Definition



Commercial general liability insurance is designed to protect an entity in the event of some very specific situations. Find out about commercial general liability insurance and get a definition with help from a longtime insurance professional in this free video clip.

Monday, January 9, 2017

The i's On Insurance: [Not So Risky] Business



Being an entrepreneur makes you the boss! But along with getting to choose your own hours, location, and business plan, it also means that you're responsible for a lot of other things, like commercial business insurance. There's a lot more to business insurance than getting the lowest business insurance quotes. It means understanding your business's unique needs and the potential hazards that can threaten its success.

"The I's on Insurance: [Not So Risky] Business" instructs you on the ins and outs of small business insurance—including coverage for business disruption, theft/loss, and business liability insurance. Why not spend a couple of minutes learning about the different types of business insurance to make it easier to have a productive discussion with your business insurance agent or broker.

Friday, January 6, 2017

Burn Care Specialists Detail The Realities Of Home Fires



Dr. James Gallagher and Jamie Heffernan with the William Randolph Hearst Burn Center in New York City describe the painful aftermath their patients endure following home fires.

The solution to diminish these tragedies exists. Home fire sprinklers play a significant role in reducing death and injury from fire. Take action to support the mandatory use of this technology by visiting NFPA's Fire Sprinkler Initiative website, http://www.FireSprinklerInitiative.org.

Tuesday, January 3, 2017

Flood Insurance For Your Home



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Sunday, January 1, 2017

Happy New Year 2017!


On New Year's Day and every day, we wish you joy and fulfillment. Happy new year!