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!