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Three Ways That Business Liability Insurance Can Save You During A Grand Opening Party

Posted by on Oct 13, 2016 in Uncategorized | Comments Off on Three Ways That Business Liability Insurance Can Save You During A Grand Opening Party

The occasion of opening a new retail location may call for having a grand opening. A grand opening will alert people in your city of your new store, and it will also help with advertising for your new location. There are things that you must be careful of when you have a grand opening. Before you pick out the wine and make up the fliers for the event, you should get a business insurance quote from a company like Insurance Quoter. Here are three ways that securing business insurance before you cut the huge ribbon can help you during your grand-opening event.  Trips and falls are less worrisome For retail shop grand openings, people will often dress up nicely, including dresses and heels. During the grand opening, it may be crowded, and people will also want to take photos. This could also lead to people tripping and falling. If anyone is to fall during the grand opening, you will be able to use your business liability insurance to make sure any medical bills are taken care of. This will make sure you don’t have to spend your first month’s profits on any compensation for medical injuries.  Sticky fingers can happen  One worry of retail business owners is theft. If your grand opening brings in a large crowd, there may be more people than you and your store staff or security are reasonably keep an eye on at once. If any of your merchandise is stolen, after you file a police report, you may be able to collect from your insurance on the items. Protecting your business from a loss from day one can ensure you don’t wind up losing money due to sticky fingers.  Damage to your store location Even if you have an excellent grand opening and are satisfied with the event, your landlord may not be happy if there is any damage to the place after the event. There is always a possibility of wine spills on the floor, damage to racks that belong to the landlord, and more when there is a full event. If you notice damage the day after your grand opening, you may be able to get these issues fixed through your business insurance. Be sure to select a high monetary amount of renters insurance inside of your business liability quote. This ensures that neither you nor your landlord will be out of money if something is accidentally damaged or...

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Trying To Save Money? 4 Ways You Can Save Money On Your Auto Insurance

Posted by on Sep 28, 2016 in Uncategorized | Comments Off on Trying To Save Money? 4 Ways You Can Save Money On Your Auto Insurance

The average national car insurance premium is approximately $900 per year. What you pay for your car insurance premium depends on many factors, such as your age, the type of car you drive and the state you live in. Over time, this can add up to a lot of money. Fortunately, there are things you can do to get your premiums lowered, four of which are listed below. Consider the Car You Drive Even though you likely want to drive a brand new, flashy car, it can make your insurance premiums higher. This is because the insurance company looks at how much money they will have to pay out if you get in a wreck or your car is damaged in any way. How much the premiums will rise depends on what the car is worth. Instead, purchase a car that is a few years old with low miles. Do Not Choose Comprehensive Insurance When you sit down with your insurance agent, they will go through all the types of insurance. One type is comprehensive insurance, which covers your car if it is damaged due to things like fires, vandalism, and theft. Because these things are much less likely to happen than getting into a collision, you should really consider if you want to purchase this along with your liability or full coverage. Drive Less If you put less miles on your car each month, your insurance company may lower your premiums. This is because if you don’t drive, you won’t be getting into any accidents. How much this will lower your premiums depends on your insurance company. If you and other employees that you work with live close together, set up a carpool with them. You should also walk or ride a bicycle to anywhere that is close when you would normally drive. This also is good for the environment, and there will be less pollution in the air. Get Out of the City There are many reasons to get out of the city, but one of them is to lower your insurance premiums. If you currently live in the city, consider moving to a rural area. Living in a rural area decreases the chance of getting into an accident because there are far less drivers. There are many other ways you can save on your insurance premiums. For more information about insurance, contact local professionals like McHugh...

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What Are My Options For Paying For Senior Care?

Posted by on Sep 9, 2016 in Uncategorized | Comments Off on What Are My Options For Paying For Senior Care?

Paying for senior care, such as assisted living or nursing homes, can be a big task. The bills for long-term and short-term care can be daunting to many individuals. Here are some different options for paying for senior care.  Medicare The medicare program for seniors does pay for some types of senior care. Usually, this is a short-term stay in a skilled nursing facility. If you have recently fallen ill and need some medical attention, then consider enrolling in medicare to pay for some of the costs. Medicare will want to see a doctor’s note suggesting the reasons that a skilled nursing stay is needed. After a certain limit, though, the patient would be on their own in paying for continued care. There are also some companies that offer medicare supplement insurance to help you cover the remaining difference in the costs of care.  Medicaid Medicaid is a great program to consider if your income is below a certain threshold. They may be able to help with the costs of custodial care, such as longer term nursing home stays. The medicaid program would consider all of your assets and savings when determining income. They also have some stipulations so that they look back several years in determining income; if you redistribute your assets to kin and then apply for medicaid, the program may disqualify you based on income.  Subsidy Programs There are also government subsidized housing programs in some cities to help seniors find support in independent living. These are a great option to consider if you don’t quite need the medical and custodial support of a full nursing home yet. These spaces may have income requirements, and they may also have longer waiting times to get accepted.  Personal Savings Often, if a person doesn’t qualify for medicare or medicaid help, the costs for a nursing home stay come directly out of the person’s savings. Once the savings are depleted past a certain level, the person may become eligible for low-income programs such as medicaid.  Children’s Income Finally, in drastic situations, a child may be liable for helping support their elderly parents if care is truly needed. But this can often be avoided through other means, such as government assistance and charity programs. If you are concerned about the costs of needed medical or custodial care, the best thing to do is to speak with a representative at the facility that you’re interested in. They will help you evaluate different payment options or locate an alternative living situation if need be.  For more information, talk to a professional like Shifflett Insurance Services...

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Common Factors That Will Impact Your Home-Insurance Quotes

Posted by on Aug 25, 2016 in Uncategorized | Comments Off on Common Factors That Will Impact Your Home-Insurance Quotes

If you are hoping to buy a new home in the near future, it is important to be aware of how the quotes for your homeowner’s insurance will be determined. While your credit score will usually have an impact on the total cost, information specific to your new home will also be considered. Therefore, the following information will be very helpful to consider as you tour available homes for sale in your area. The Age of Your Home While older homes may have the bigger kitchen that you crave and have unique character that newer models cannot duplicate, they can also present costly issues that are more challenging or time-consuming to repair. In addition, you may also find that the materials associated with the inner workings of older homes will similarly result in higher insurance costs. For example, if your home was built prior to 1978, there is a good chance that lead paint was used somewhere within its construction. Since lead paint has been associated with a myriad of health problems and its removal is recommended if you have young children, you may find that you will be responsible for higher home-insurance costs. In addition, it is fairly common to need to sign a waiver when you buy or insure the home that you are aware of the possible presence of lead paint in your older home. Asbestos poses a similar concern. The Materials Used in the Home’s Construction If you are in love with the wooden house on the corner, and your spouse is equally enamored with the brick house by the city park, it is a good idea to remember that the wooden home is likely to be more expensive to insure. That would be true even if the homes were completely identical in all other ways. The difference in insurance costs relates to the durability of the homes in question. For example, if a fire were to break out, the brick house is less likely to be destroyed as quickly as the wooden home is. In addition, termites are estimated to do approximately $5 billion dollars worth of damage in the United States each year, and roughly 600,000 homes are damaged by these persistent creatures annually. Therefore, wooden homes are more expensive to insure. In conclusion, home-insurance quotes are based on information specific to you and to the home in question. Therefore, the dollar amount associated with maintaining your homeowner’s insurance will vary from one house to the next. As a result, when you are concerned about the cost of that insurance, it is a good idea to consider the information above while looking for your future home. Call companies such as East Tennessee Mutual Insurance to find out more about what insurance quotes you can expect to get for various types of houses....

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Two Things You Can Do To Get More Affordable Automobile Insurance

Posted by on Aug 3, 2016 in Uncategorized | Comments Off on Two Things You Can Do To Get More Affordable Automobile Insurance

Car insurance is one of those things that you really can’t afford not to have.  It protects you if you happen to hit another motorist, pedestrian, or motorcyclist so you can avoid financial ruin in a lawsuit.  However, although automobile insurance is incredibly valuable, you may find that paying for it each month is starting to stretch your budget.  Don’t risk allowing your policy to lapse because money is tight; learn two things you can do to get more affordable vehicle insurance. Now May Be The Time To Move Are you planning on making a move sometime soon?  Moving is a prime time to rework your auto insurance.  Although you may not realize it, where you live does play a role in determining how much you pay for car insurance.  Many insurers use your zip code as a part of the algorithm that helps them formulate what your premium will be. This is done for several reasons.  For example, if you happen to reside in an area where there is a high incidence of stolen vehicles, insurance companies may consider you more risky to insure.  They have to account for the increased chance that your car could be stolen and they’ll have to pay out on the theft claim.  Because of this, your rate goes up. You may be amazed at how much you’re able to save by moving to a different zip code.  You can research different websites, such as this one, to see what the average cost of car insurance is in the communities around you.  If moving isn’t feasible for you right now, consider lowering the usage on your car.  Your employer may offer telecommuting, which will cut down on the amount of time you spend on the road.  If you are able to work from home, be sure to update your insurer with your new, lower usage so you can realize the savings. Defensive Driving Saves Money & Lives Defensive driving is the practice of operating your vehicle in such a way that minimizes the chance that you’ll get into an accident.  The course teaches a range of maneuvers and techniques that can help you avoid a collision.  If you’re willing to take a defensive driving class, your insurer may issue a discount once they have received receipt of a passing certificate from you. There are things you can do to drive down the cost of your insurance.  Start using these tips right away so you can keep more of your hard earned money in your...

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Should You Add A Terrorism Rider To Your Business Casualty Insurance?

Posted by on Jul 22, 2016 in Uncategorized | Comments Off on Should You Add A Terrorism Rider To Your Business Casualty Insurance?

Terrorism attacks are concerning everyone these days—activity by Islamic extremists, rogue gunmen, homegrown extremists and more has a lot of business owners on edge. The shooting at the nightclub in Florida this past June was another unfortunate reminder of how vulnerable businesses are to acts of violence. Is it time to add a terrorism rider to your commercial property insurance? This is what you should consider. Does your business stand a significant risk of attack? When deciding if you need terrorism insurance, it’s important to assess the likelihood that your business could be targeted. While any business could theoretically be the subject of an attack, the reality is that some businesses are also more likely to be targeted than others. For example, like the Florida nightclub, you may be at increased risk if your primary clientele is a minority group that has been the target of prior threats. If you work in energy, telecommunications, or transportation, your business could be attacked simply because it would have a significant disruptive effect on a mass number of people.  What does terrorism insurance cover? Terrorism insurance can keep your business alive by providing business interruption service. Business interruption service will compensate you for the lost revenue if the premises has to be abandoned or closed for a period of time. It also includes covers your operating expenses, like utility costs, which may continue even though the business is closed for a while. It will also cover physical damage to your property and equipment. The insurance covers acts of terrorism by both domestic and foreign groups or individuals. Can you get terrorism insurance? If you’re concerned that you won’t be able to get a terrorism rider (or afford it), don’t be. Thanks to the extension of the Terrorism Risk Insurance Act (TRIA) through 2021, terrorism insurance is still relatively easy to obtain. The underwriting process is still fairly simple since the government will help insurers bear the losses in the event of an act of terrorism that costs aggregate losses in excess of $5 million. As the private insurance market becomes increasingly competitive, rates in cities that are considered high-risk (Tier 1), like New York, are seeing insurance rates fall by as much as 10% over previous years.  In 2014, the cost of terrorism totaled $52.9 billion worldwide—the most expensive year on record since 2011. Given those statistics, and the likelihood that domestic and foreign terror groups are going to continue to be active in the coming years, this is one type of insurance that you might not want to skip. Consider talking to your insurance agent today, like those at Donaghy Kempton Insurors, about adding this rider to your current casualty...

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2 Home Security Measures That Can Help Lower Your Home Insurance Rates

Posted by on Jun 27, 2016 in Uncategorized | Comments Off on 2 Home Security Measures That Can Help Lower Your Home Insurance Rates

Home insurance is one of the most vital forms of insurance that you can have, mostly because it will help you protect one of the most expensive purchases that you will ever make: your house. However, having a recurring home insurance expense every month is not something that anyone enjoys dealing with, so it is important to find ways to reduce that expense. One of the easiest ways to reduce your home insurance rates is to make your home more security with the two home security measures listed below. Impact-Resistant Windows The single weakest point of your home that many intruders will target is your windows. A typical window can be exceedingly easy for a burglar to break open and access your home in a matter of seconds. In order to reduce the risk posed by your windows, you should consider impact-resistant windows that can slow a potential intruder down due to their unique construction. Impact-resistant windows will be made from two panes of glass that have a thin layer of adhesive film between them that holds broken glass in place when the window is broken. This film will require any burglar to break the two panes of glass and pry out the film that is holding the broken glass in place before entering the home, which is very time-consuming and can help deter the intruder due to the increased risk of someone noticing him or her trying to get into the home.This will lead to lower insurance rates as the risk of your home being successfully broken into will be reduced. Stronger Doors The front and back doors of your home are often going to be an attractive target for many burglars or intruders because they are typically not designed to be very durable, so reinforcing them and making it harder for an intruder to enter your house will decrease the odds of your having to make an insurance claim for stolen or damaged property. This can lead to your insurance company offering you a discount on your rates to reflect the decreased risk to your home. In order to make your doors stronger against intruders, consider replacing your exterior doors with ones that swing out instead of in as an outward swinging door can help absorb the impact from an intruder attempting to push or kick the door open. You will also want to consider replacing the strike plates on your front and back doors. The strike plate is the piece of metal that rings the hole in your door frame that the deadbolt goes into. However, most of these strike plates are made out of flimsy metal with short screws that only screw into the door jamb. This can allow easier access for an intruder because he or she can strike the door hard enough to rip the strike plate out of the frame very easily. Replacing your strike plate with one made out of more durable metal and that uses screws long enough to reach the stud can greatly reinforce your front door. Contact your home insurance provider today in order to discuss what steps you can take to both secure your home and qualify for a discount on your insurance policy. Impact-resistant windows and stronger exterior doors are both great security measures that can help protect your...

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Why You Need To Keep Your Title And Registration Up To Date

Posted by on May 19, 2016 in Uncategorized | Comments Off on Why You Need To Keep Your Title And Registration Up To Date

Title and registration fees are already expensive. To make things even worse, you don’t get a refund if you move before they expire, but you still have to pay the full fee to your new local DMV within just a few weeks of moving into your new home. Many people try to put off updating their title and registration until their current documents actually expire. This is a very bad idea. It’s both illegal and could end up costing you a lot of money. You Could Get a Ticket If you get pulled over, the police officer will usually ask if the address on your title and registration is still valid. Most states have laws requiring you to update your address within a certain number of days of moving. If you missed the deadline and tell the officer the address is wrong, you’ll probably be cited for having an invalid title and registration. If you lie and tell the officer the address is correct, you could be facing a ticket plus a charge of lying to a police officer if the officer finds out you lied. Your Auto Insurance Policy Might Not Be Valid Your auto insurance policy will probably have some sort of provision requiring you to notify the company of any address changes. This is because different areas have different risks and different rates. If you’re involved in an accident, the insurance company will almost surely find out your new address during the insurance claims process. If they find out you moved without telling them, they can legally cancel your policy and refuse to pay out for any claims. They also won’t help you to recover from the other driver if that driver was at fault. You Could Go to Jail If your insurance company finds out you’re using the wrong address, they might immediately cancel your policy and notify the DMV. Any police officer who checks your license plate will be notified you don’t have valid insurance. In most states, driving without insurance is a crime that could land you in jail. You Could Save Money On Your Car Insurance Moving doesn’t mean your insurance rates will go up. You may be moving to an area where rates are lower. In that case, your insurance company will adjust you to the lower rate as soon as you tell them you moved. To learn more about what to do with your title and registration when you move, contact a local auto insurance agent, like R L Jones Insurance Services Inc,...

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Why You Should Hire A Public Adjuster After Your House Floods

Posted by on May 6, 2016 in Uncategorized | Comments Off on Why You Should Hire A Public Adjuster After Your House Floods

Are you preparing to file a claim with your home insurance company for flood damage? You might want to hire a public adjuster before filing your claim, as he or she might be able to get you through the entire process in a smoother manner. Take a look at the information in this article to gain more insight about how a public adjuster can assist with your insurance claim. 1. Make Sure a Thorough Inspection is Done A public adjuster will be able to make sure all of the areas of your house that were affected by the flood are thoroughly inspected. The public adjuster will make sure that your claim to get compensated for making repairs is justified by experts who can prove that the damages were caused by the flood. For instance, a landscaper, electrician and foundation contractor might be hired to inspect the interior and exterior of your house when there is flood damage. By making sure that your house is thoroughly inspected, the public adjuster can make sure that you are compensated in a fair manner. 2. Contact the Insurance Company on Your Behalf It can be frustrating having to deal with a flooded house and the insurance company at the same time. You can end up settling for an amount of money that is less than deserved. A public adjuster will be able to start the claim process on your behalf and find out what kind of documentation the insurance needs to get started. The public adjuster will then gather the documented results from the inspections and make sure that it is sufficient enough to prove flood damage to your house. By allowing the public adjuster to deal with the insurance company, it can help you avoid being asked for further documentation that might slow down the approval process. 3. Provide Assistance After the Settlement is Received One of the things that a public adjuster can assist with after your settlement is received is making arrangements for temporary housing. It can be hard finding a place to live until your house is restored, but a public adjuster will make the task less stressful. He or she might also be able to arrange for your belongings that are still in good shape to be placed inside of a storage unit. The specific services provided will depend on who is hired for the job. Contact a public adjuster about your flooded house as soon as possible. Contact a company like Skipton Claims Management for more...

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What To Do When Your Auto Insurance Rates Are Higher Because Of Moving Violations

Posted by on Apr 21, 2016 in Uncategorized | Comments Off on What To Do When Your Auto Insurance Rates Are Higher Because Of Moving Violations

Auto insurance rates can go up and down for a variety of reasons. However, you might be worried if your premium has risen because of moving violations like speeding tickets; you might not think there is anything you can do. Fortunately, the following actions may be just what you need to lower your auto insurance costs. Drive Less One of the first things to do when your insurance costs climb is to start driving less. Insurance companies arrive at your insurance rates by considering a number of things about you, including the frequency of your driving. If you drive a lot each day, there may be an increased chance that you’ll get tickets for moving violations or get into an automobile accident. If you aren’t driving very much, you don’t have as high an opportunity to have any insurance-related issues. That’s why it’s a good idea to look for other ways to get around. You might, for instance, come to an agreement with co-workers to share driving responsibilities each day. You might just leave your car at home and take the train to your job. Then, notify your auto insurance company about the changes you’ve made. You might very well have your premium reduced. Head to Driving School If you can show your auto insurance carrier that you are learning to be a safer driver, you may start paying lower insurance costs. A way to prove you’re making an effort to be a safe driver is to head to the nearest driving school and take a class or two. You may take a course in defensive driving or you might take a night driving course. These courses can then be used to have your insurance costs reduced. In addition to lowering insurance costs, you may also want to ask your local court or police department which specific classes will enable you to be rid of points you have gotten on your license because of moving violations. Ask About Telematics Devices One modern way to prove that you are driving safely and deserve lower insurance rates is to have a telematics device put into your vehicle. Plugged into your car’s diagnostic port, such a device can track mileage, hard stops, excessive speeds and other information about your driving. The information on the device is transmitted to your auto insurance carrier wirelessly. Because your insurance company has verifiable facts about the way you drive, you might be able to bring your insurance costs down. If you start taking action with the tips above, you may soon see your auto insurance costs come down again. Talk to your local insurance agency, such as Hamsher Insurance, for more suggestions and to find reasonable policies that may be appropriate for...

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