|
|
A
- Apartment Insurance
- House / Apartment Insurance 101
- Introduction
This is the introduction to multiple articles that will answer many of your house / apartment insurance questions.
The introduction generally reviews "renters" versus "homeowner"
and lists the upcoming article topics.
 Part
1
Need for home insurance (two reasons why you really need insurance for your home); insurance included with the
mortgage payment; about property and liability coverage; what is usually covered; catastrophe coverage (e.g.
floods); other exclusions. - Part 2
Who decides property worth; amount paid for property damage; coverage for property while on vacation, for tenant's
property and for my mother's belongings - she lives with us, what about our vacation home.
- Part 3
I work out of my home - what is the coverage for my business property; with catastrophic loss, where do I start;
why does the insurance company need the location of the nearest fire hydrant; Is there anything I can do to
lower my premiums?; who watches the insurance companies; steps to take when property is damaged or stolen;
what if I am found liable for personal injury
- Part 4
What about when I am a renter or own my own condo - what insurance do I need; what coverage does my landlord's
policy provide; how is renters insurance priced; what about my roommates coverage; how is a condo ownership
policy different
- Preparing For College
See Coverage with Off Campus apartments
- Auto Insurance
- Auto Insurance 101
- Part 1
- Why you need auto insurance
- Different types of auto insurance policies
- Understanding the factors that affect the pricing
- Part 2
- What is "no-fault" Insurance?
- Do all states require some kind of liability insurance?
- What happens if I have an accident with an uninsured driver?
- Understanding cancellation by the Insurer:
- Why would my insurer cancel my policy?
- What do I do if my insurer cancels or refuses to renew my policy?
- How do I keep my insurance company from canceling my policy
- Part 3
- What steps can I take to reduce my rates?
- How does adding drivers to my policy affect my rates?
- Who's watching the insurance companies?
- Do I always need to buy insurance when I rent a car? Am I not
covered by my own policy?
- Part 4
- What If I loan my car to someone - coverage?
- Coverage for natural disasters or "Acts of God?
- What does my policy need to include and do I need to read the fine print?
- What actually happens when I report an accident?
- Special needs for classic cars?
- After An Automobile Accident (Printable
Checklist)
- What You Should Know When Your Teen Starts To Drive
Includes topics:
- Practice, Practice, Practice
- Keep Calm; Buckle Up
- Focus. Focus. Focus
- Limit Nighttime Driving
- Driving Solo
- Maintain the Vehicle
- Don't Drink and Drive
- Preparing For College
See Considerations if your Child has a Car
- Personal Insurance Notes
See What You Drive, Drives The Premium
- Filing An Auto Claim
- Taking It To The Road - subdivision of the coverage
- That's It? - Additional Coverage Available
- After An Accident - Who To Talk To First
- When The Time Comes - Filing A Claim
- What Is A Deductible?
- What is a Claims Adjuster?
- A Final Note - A Fair Settlement
- Business News
See:
- Incorrect Vehicle Classification May Cost You Money
- Before You Pick Up Your Rental Car
B
- Boat Insurance
- Business Liability
- Employment-related Practices Liability
Business News
See Employment-related Practices Liability
- Office Party Liability
Business News
See Planning an office party?
In consideration of loss control and liability insurance
- Certificates of Insurance
Business News
See Certificates of Insurance — What Purpose Do They Serve?
Why you should not rely solely upon someone else’s insurance to protect your business.
C
- Car Insurance
- Auto Insurance 101
- Part 1
- Why you need auto insurance
- Different types of auto insurance policies
- Understanding the factors that affect the pricing
- Part 2
- What is "no-fault" Insurance?
- Do all states require some kind of liability insurance?
- What happens if I have an accident with an uninsured driver?
- Understanding cancellation by the Insurer:
- Why would my insurer cancel my policy?
- What do I do if my insurer cancels or refuses to renew my policy?
- How do I keep my insurance company from canceling my policy
- Part 3
- What steps can I take to reduce my rates?
- How does adding drivers to my policy affect my rates?
- Who's watching the insurance companies?
- Do I always need to buy insurance when I rent a car? Am I not
covered by my own policy?
- Part 4
- What If I loan my car to someone - coverage?
- Coverage for natural disasters or "Acts of God?
- What does my policy need to include and do I need to read the fine print?
- What actually happens when I report an accident?
- Special needs for classic cars?
- After An Automobile Accident (Printable
Checklist)
- What You Should Know When Your Teen Starts To Drive
Includes topics:
- Practice, Practice, Practice
- Keep Calm; Buckle Up
- Focus. Focus. Focus
- Limit Nighttime Driving
- Driving Solo
- Maintain the Vehicle
- Don't Drink and Drive
- Personal Insurance Notes
See What You Drive, Drives The Premium
- Filing An Auto Claim
- Taking It To The Road - subdivision of the coverage
- That's It? - Additional Coverage Available
- After An Accident - Who To Talk To First
- When The Time Comes - Filing A Claim
- What Is A Deductible?
- What is a Claims Adjuster?
- A Final Note - A Fair Settlement
- Business News
See:
- Incorrect Vehicle Classification May Cost You Money
- Before You Pick Up Your Rental Car
- Certificates of Insurance
Business News
See Certificates of Insurance — What Purpose Do They Serve?
Why you should not rely solely upon someone else’s insurance to protect your business.
- Christmas Considerations
- Don't Let A Grinch Steal Your Christmas! - Be ready
for Christmas
- Empty Boxes Out On The Curb
- Lock Your Doors
- Auto Thefts and Break-Ins
- Gifts In Your Trunk
- Cards and Cash You Carry With You
- Party Host Liability
- Holiday Fires
- Check Your Coverages
- More Holiday Tips
- Holiday Toy Safety Tips - reading labels on toys and choose toys that suit the age, abilities and interest;
Toy Safety Tips; link to a full list of dangerous toys (U.S. Consumer Product Safety Commission)
- Collectibles Tips - Giving or Receiving A Valuable or Collectible Gift This Year; Guidelines to Ensure That
Your Investment in Collectibles Remains Secure
- Holiday Fire Safety Tips - Christmas tree precautions
- College
- Preparing For College
On-Campus dorm & personal property coverage
Coverage with Off Campus apartments
Issues with Studying Abroad
Considerations if your child has a car
Educate Your Child before they leave
Guarantee Your Child's Education - Life insurance Considerations
- Personal Insurance Notes
- Is buying insurance like brain surgery?
- Smooth sailing or choppy waters? (Boat Insurance)
- Hire the right contractor for your extreme makeover (Home Remodeling)
- Insurance for college graduates is a must
- What You Drive, Drives The Premium
- Why an independent insurance agent is better.
- Condo Insurance
- House / Apartment Insurance 101
- Introduction
This is the introduction to multiple articles that will answer many of your house / apartment insurance questions.
The introduction generally reviews "renters" versus "homeowner"
and lists the upcoming article topics.
- Part
1
Need for home insurance (two reasons why you really need insurance for your home); insurance included with the
mortgage payment; about property and liability coverage; what is usually covered; catastrophe coverage (e.g.
floods); other exclusions.
- Part 2
Who decides property worth; amount paid for property damage; coverage for property while on vacation, for tenant's
property and for my mother's belongings - she lives with us, what about our vacation home.
- Part 3
I work out of my home - what is the coverage for my business property; with catastrophic loss, where do I start;
why does the insurance company need the location of the nearest fire hydrant; Is there anything I can do
to lower my premiums?; who watches the insurance companies; steps to take when property is damaged or stolen;
what if I am found liable for personal injury
- Part 4
What about when I am a renter or own my own condo - what insurance do I need; what coverage does my landlord's
policy provide; how is renters insurance priced; what about my roommates coverage; how is a condo ownership
policy different
- Preparing a Home Inventory
Investing time in your assets - take time now saves time and worry later
Various Methods
Videotape with audio narration
Photographs of valuable, or unique items
Audiotape with photographs of valuable or unique items
There are also good inventory software packages available to help you organize, store and keep your list updated.
Project Tips
Actually replacing value - Actual cash value policies versus replacement cost policy
Riders / Floaters - takes into account your personal insurance needs
Sample Inventory form
Common Items Most People Have In Their Homes
- Filing Your Home
Insurance Claim
A quick review - liability, contents, types of policies
Taking care of business - Keeping record and steps to follow
Disaster Planning - what most insurance companies do
Cash On Hand - receiving a claim check
- Preparing For College
On-Campus dorm & personal property coverage
Coverage with Off Campus apartments
Issues with Studying Abroad
Considerations if your child has a car
Educate Your Child before they leave
Guarantee Your Child's Education - Life insurance Considerations
D
- Disaster Fraud
Business News
See Disaster Fraud
Phony contractors, impostor government
officials and others that see disasters not as tragedy, but as an opportunity to steal from those desperate for assistance.
- Divorce
Divorce and Insurance
How to organize your insurance overview
Understand Health / Medical insurance types
Possibilities of loosing your
spouse’s employer-provided insurance
Who will be the primary insurers plan
Homeowners/renters insurance needs
Vehicle
insurance
Protecting your paycheck
Who is responsible for insurance
Beneficiary designations and life insurance planning
- Dogs
Renters Insurance
See Dogs and potential liability
E
- Employment-related Practices Liability
Business News
See Employment-related Practices Liability
F
- Fax Rules
Business News
See
Fax Rules Set For This Summer
Rules concerning written consent of recipients before sending any unsolicited commercial fax
advertisements.
- Filing A Claim
- Filing Your
Home Insurance Claim
A quick review - liability, contents, types of policies
Taking care of business - Keeping record and steps to follow
Disaster Planning - what most insurance companies do
Cash On Hand - receiving a claim check
- Filing An Auto Claim
Taking It To The Road - subdivision of the coverage
That's It? - Additional Coverage Available
After An Accident - Who To Talk To First
When The Time Comes - Filing A Claim
What Is A Deductible?
What is a Claims Adjuster?
A Final Note - A Fair Settlement
- Flood Insurance
Business News
See Ask
Yourself, "Do I Need Flood Insurance?~~
If You Answered No, Read This.
- Forms
Announcing Our New Online
Forms
We ALWAYS welcome your call or visit, but if your choice is to fill out our form online and at your convenience,
it's just gotten easier and safer for you. We remain 'As Near As Your PC' but it just got better.
- Auto & Home Quote, Auto Only Quote, Home Only Quote
- Policy Change Request - Auto or Homeowner
- Claim Report - Auto Accident or Homeowner/Property Loss
- Before Buying a New Car Get A Quote (and make it part of your buying decision)
- General Inquiry / Comments / Suggestion
G
- Getting Married
Wedding Insurance (revised May
2010)
Quick Quiz
Too Many Blenders? (combining insurance policies)
There's No Place Like Home (homeowners and renters insurance)
What's It Worth To You? (two types of policies)
Romantic Roommates (insurance for unmarried partners)
Just Married (marital discount?)
A Fiancée's Best Friend (jewelry coverage)
Bells Are Ringing (special event policies)
Healthy Choices (review health plans)
Planning a Life ( life insurance - future welfare of your life partner)
- Glossary
Glossary Of Insurance Terms
Learn more about 'Additional Coverages' to 'Collision Insurance', 'Liability' to 'Medicaid' and 'Medicare' to 'Other-than-Collision
Coverage', 'Package Policy', 'Unemployment Insurance', 'Workers Compensation' and more.
H
- Health Insurance
- Life / Health Insurance 101
- Introduction
This is the introduction to multiple articles that will answer many of your life and health insurance
questions. The introduction generally reviews consideration that you are a machine that generates thousands
of dollars in income per year and presents a high level discussion of what life insurance is and how
much you need.
- Part 2
Who receives benefits and how much; does it matter how I die; paid as lump sum or distributed; who can
be beneficiary and how often can that change; different types of life insurance; must I die to collect;
requalification requirements; how the price is set; permanent versus term
- Part 3
Understanding Term Life versus permanent; How much will the cash be worth if I need to cash the policy;
Major purpose of health insurance, major types of individual policies; Individual versus group insurance
at work; Major Medical Health Insurance; How does deductible work
- Part 4
In a health policy - understanding and definitions for coinsurance, disability income policy, disability,
PPO and HMO; how can one collect under a disability income policy and how long must I be disabled before
my benefits begin; purpose of PPOs and HMOs; choosing any doctor or hospital
- Holiday Protection
- Don't Let A Grinch Steal Your Christmas! - Be ready
for Christmas
- Empty Boxes Out On The Curb
- Lock Your Doors
- Auto Thefts and Break-Ins
- Gifts In Your Trunk
- Cards and Cash You Carry With You
- Party Host Liability
- Holiday Fires
- Check Your Coverages
- More Holiday Tips
- Holiday Toy Safety Tips - reading labels on toys and choose toys that suit the age, abilities and interest;
Toy Safety Tips; link to a full list of dangerous toys (U.S. Consumer Product Safety Commission)
- Collectibles Tips - Giving or Receiving A Valuable or Collectible Gift This Year; Guidelines to Ensure
That Your Investment in Collectibles Remains Secure
- Holiday Fire Safety Tips - Christmas tree precautions
- Home Based Buisness
- Protecting Your Home Based Business
Are you starting a new home-based business as we move into the new year?
Doesn't My Homeowners Policy Cover My
In-Home Business?
How Do I Get The Coverage I Need?
What Are My Policy Options?
Vehicles Used In Your Business
Protecting Yourself
A Final Note
- House / Apartment Insurance 101
See Part
3 - I work out of my home - what is the coverage for my business property
- Home Remodeling
Preparing To Remodel
- Homeowners Insurance
- House / Apartment Insurance 101
- Introduction
This is the introduction to multiple articles that will answer many of your house / apartment insurance
questions. The introduction generally reviews "renters" versus "homeowner"
and lists the upcoming article topics.
- Part
1
Need for home insurance (two reasons why you really need insurance for your home); insurance included
with the mortgage payment; about property and liability coverage; what is usually covered; catastrophe
coverage (e.g. floods); other exclusions.
- Part 2
Who decides property worth; amount paid for property damage; coverage for property while on vacation,
for tenant's property and for my mother's belongings - she lives with us, what about our vacation home.
- Part 3
I work out of my home - what is the coverage for my business property; with catastrophic loss, where do
I start; why does the insurance company need the location of the nearest fire hydrant; Is there anything
I can do to lower my premiums?; who watches the insurance companies; steps to take when property is damaged
or stolen; what if I am found liable for personal injury
- Part 4
What about when I am a renter or own my own condo - what insurance do I need; what coverage does my landlord's
policy provide; how is renters insurance priced; what about my roommates coverage; how is a condo ownership
policy different
- Preparing a Home Inventory
Investing time in your assets - take time now saves time and worry later
Various Methods
Videotape with audio narration
Photographs of valuable, or unique items
Audiotape with photographs of valuable or unique items
There are also good inventory software packages available to help you organize, store and keep your list updated.
Project Tips
Actually replacing value - Actual cash value policies versus replacement cost policy
Riders / Floaters - takes into account your personal insurance needs
Sample Inventory form
Common Items Most People Have In Their Homes
- Filing Your
Home Insurance Claim
A quick review - liability, contents, types of policies
Taking care of business - Keeping record and steps to follow
Disaster Planning - what most insurance companies do
Cash On Hand - receiving a claim check
- Preparing For College
On-Campus dorm & personal property coverage
Coverage with Off Campus apartments
Issues with Studying Abroad
Considerations if your child has a car
Educate Your Child before they leave
Guarantee Your Child's Education - Life insurance Considerations
I
- Identity Theft and Your Business
Business News
See Identify theft and your business
Cyberrisk policies
for businesses and protecting your business from a security breach
- Independent Insurance Agent
- Insurance Fraud
Business News
See 'Runners and schemers, fraud, oh my!
Insurance fraud is a crime that happens every day in every state. It costs policyholders a lot of money—nearly
$80 billion a year. What we are doing about it and what you can do.'
- Insurance Terms
Insurance Terms (Glossary)
Learn more about 'Additional Coverages' to 'Collision Insurance', 'Liability' to 'Medicaid' and 'Medicare' to 'Other-than-Collision
Coverage', 'Package Policy', 'Unemployment Insurance', 'Workers Compensation' and more.
- Inventory
Preparing a Home Inventory
Investing time in your assets - take time now saves time and worry later
Various Methods
Videotape with audio narration
Photographs of valuable, or unique items
Audiotape with photographs of valuable or unique items
There are also good inventory software packages available to help you organize, store and keep your list updated.
Project Tips
Actually replacing value - Actual cash value policies versus replacement cost policy
Riders / Floaters - takes into account your personal insurance needs
Sample Inventory form
Common Items Most People Have In Their Homes
J
L
- Liability
- Business Liability
See:
- Employment-related Practices Liability
Business News
See Employment-related Practices Liability
- Office Party Liability
Business News
See Planning an office party?
In consideration of loss control and liability insurance
- Certificates of Insurance
Business News
See Certificates of Insurance — What Purpose Do They Serve?
Why you should not rely solely upon someone else’s insurance to protect your business.
- Personal Liability
See:
- House / Apartment Insurance 101
- Part
1 About property and liability coverage
- Auto Insurance 101
- Part 2
Do all states require some kind of liability insurance?
Preparing For College - Considerations
if Your Child has a Car
- Don't Let A Grinch Steal Your Christmas! -
Party Host Liability
- Preparing To Remodel
Using a General Contractor - coverage they must carry - worker’s comp and general liability; possibly builder’s
risk
and Do-it-your-selfers liability
- Renters Insurance
Injured party’s medical bills and loss of income
Defend yourself against a lawsuit resulting from damages suffered by
others on your property
and Dogs and potential liability
- Life Insurance
- Life / Health Insurance 101
- Introduction
This is the introduction to multiple articles that will answer many of your life and health insurance
questions. The introduction generally reviews consideration that you are a machine that generates thousands
of dollars in income per year and presents a high level discussion of what life insurance is and how
much you need.
- Part 2
Who receives benefits and how much; does it matter how I die; paid as lump sum or distributed; who can
be beneficiary and how often can that change; different types of life insurance; must I die to collect;
requalification requirements; how the price is set; permanent versus term
- Part 3
Understanding Term Life versus permanent; How much will the cash be worth if I need to cash the policy;
Major purpose of health insurance, major types of individual policies; Individual versus group insurance
at work; Major Medical Health Insurance; How does deductible work
- Part 4
In a health policy - understanding and definitions for coinsurance, disability income policy, disability,
PPO and HMO; how can one collect under a disability income policy and how long must I be disabled before
my benefits begin; purpose of PPOs and HMOs; choosing any doctor or hospital
M
- Marriage and Insurance
Wedding Insurance (revised
May 2010)
Quick Quiz
Too Many Blenders? (combining insurance policies)
There's No Place Like Home (homeowners and renters insurance)
What's It Worth To You? (two types of policies)
Romantic Roommates (insurance for unmarried partners)
Just Married (marital discount?)
A Fiancée's Best Friend (jewelry coverage)
Bells Are Ringing (special event policies)
Healthy Choices (review health plans)
Planning a Life ( life insurance - future welfare of your life partner)
- Motor Home Insurance
Insuring Recreational Vehicles / Boats / Jet Skis
O
- Office Party Liability
Business News
See Planning an office party?
In consideration of loss
control and liability insurance
- Online Forms
Announcing Our New Online
Forms
We ALWAYS welcome your call or visit, but if your choice is to fill out our form online and at your convenience, it's just gotten easier and
safer for you. We remain 'As Near As Your PC' but it just got better.
- Auto & Home Quote, Auto Only Quote, Home Only Quote
- Policy Change Request - Auto or Homeowner
- Claim Report - Auto Accident or Homeowner/Property Loss
- Before Buying a New Car Get A Quote (and make it part of your buying decision)
- General Inquiry / Comments / Suggestion
P
- Personal Liability
See:
- House / Apartment Insurance 101 - Part 1 About property and liability coverage
- Auto Insurance 101 - Part 2 Do all states require some kind of liability
insurance?
Preparing For College - Considerations if Your Child has a Car
- Don't Let A Grinch Steal Your Christmas! - Party Host Liability
- Preparing To Remodel
Using a General Contractor - coverage they must carry - worker’s comp and general liability; possibly builder’s risk
and Do-it-your-selfers liability
- Renters Insurance
Injured party’s medical bills and loss of income
Defend yourself against a lawsuit resulting from damages suffered by
others on your property
and Dogs and potential liability
- Pets
Renters Insurance
See Dogs and potential liability
R
- Recreational Vehicle Insurance
Insuring Recreational Vehicles / Boats / Jet Skis
- Reduce Insurance Costs
- Auto Insurance 101
See Part 3 - What steps can I take to reduce my rates?
Personal Insurance Notes
See What You Drive, Drives The Premium
- Homeowners Insurance
See House / Apartment Insurance 101 Part 3 -
Is there anything I can do to lower my premiums?
- Insurance Fraud
Business News
See 'Runners and schemers, fraud, oh my!
Insurance fraud is a crime that happens every day in every state. It costs policyholders a lot of money—nearly $80 billion a year.
What we are doing about it and what you can do.'
- Vehicle Classification
Business News
See Incorrect Vehicle Classification May Cost
You Money
- Workers Comprehensive
Business News
See Preventing accidents protects employees and
reduces workers’
compensation premiums
Studies show most workplace accidents are caused by employees rather than by faulty equipment or dangerous conditions.
There are steps you can take to reduce them. By planning for and preventing work-related accidents, your company can
decrease its workers’ compensation premiums.
- Remodel
- Preparing To Remodel
How We Can Help - Home Value, Coverage Needed, Contractor’s Certificates of Insurance
Using a General Contractor - coverage they must carry - worker’s comp and general liability; possibly builder’s
risk
Reviewing The Paperwork and How Stuber Insurance Agency Can Help
Do-it-your-selfers liability
Considerations When The Renovation Opens Your Home to the Elements
Condominium controls
Bond issue - What it Covers
Leaving Your Home for Over 30 Days During a Renovation
- Personal Insurance Notes
See Hire the right contractor for your extreme makeover (Home Remodeling)
- Rental Car
Business News
See Before You Pick Up Your Rental Car
- Renters
Renters Insurance
Injured party’s medical bills and loss of income
Defend yourself against a lawsuit resulting from damages suffered by others on your property
Personal Belongings - are worth enough to insure?
Three very important ways Renters Insurance protects you and your personal property
How to create a home inventory
What is it worth? Actual cash value versus replacement cost - understanding the terms
What is needed when you have a roommate
Dogs and potential liability
S
- Small Business
- Protecting Your Home Based Business
Are you starting a new home-based business?
Doesn't My Homeowners Policy Cover My In-Home Business?
How Do I Get The Coverage I Need?
What Are My Policy Options?
Vehicles Used In Your Business
Protecting Yourself
A Final Note
- House Insurance
House / Apartment Insurance 101
See Part 3 - I work out of my home - what is the coverage for my business property
T
- Teen Driving
What You Should Know When Your Teen Starts To Drive
Includes topics:
Practice, Practice, Practice
Keep Calm; Buckle Up
Focus. Focus. Focus
Limit Nighttime Driving
Driving Solo
Maintain the Vehicle
Don't Drink and Drive
- Terms
Terms (Glossary of Insurance Terms)
Learn more about 'Additional Coverages' to 'Collision Insurance', 'Liability' to 'Medicaid' and 'Medicare' to 'Other-than-Collision
Coverage', 'Package Policy', 'Unemployment Insurance', 'Workers Compensation' and more.
- Terrorism
Overview Of Terrorism
Terrorism and Insurance Coverage
U
- Utility Interruption Coverage
Business News
See Utility interruption coverage
Losses from a power
outage may exceed any direct property damage from the storm and related insurance coverage
W
- Wedding
Wedding
Insurance (revised May 2010)
Quick Quiz
Too Many Blenders? (combining insurance policies)
There's No Place Like Home (homeowners and renters insurance)
What's It Worth To You? (two types of policies)
Romantic Roommates (insurance for unmarried partners)
Just Married (marital discount?)
A Fiancée's Best Friend (jewelry coverage)
Bells Are Ringing (special event policies)
Healthy Choices (review health plans)
Planning a Life ( life insurance - future welfare of your life partner)
- Workers Comprehensive
Business News
See Preventing accidents protects employees and reduces
workers’
compensation premiums
Studies show most workplace accidents are caused by employees rather than by faulty equipment or dangerous conditions. There are steps you can
take to reduce them. By planning for and preventing work-related accidents, your company can decrease its workers’ compensation premiums.
|
Personal Insurance Notes
- Personal Insurance Notes
- Is buying insurance like brain surgery?
- Smooth sailing or choppy waters? (Boat Insurance)
- Hire the right contractor for your extreme makeover (Home Remodeling)
- Insurance for college graduates is a must
- What You Drive, Drives The Premium
- Why an independent insurance agent is better.
Business News
- Business News
- Ask Yourself, "Do I Need Flood Insurance?~~ If You Answered
No, Read This.
- Employment-related Practices Liability
- Independent Insurance Agents... Did You Know...?
- Incorrect Vehicle Classification May Cost You Money
- Before You Pick Up Your Rental Car
- Business News
- Identify theft and your business - cyberrisk policies for businesses
and protecting your business from a security breach
- Disaster Fraud - Phony contractors, impostor government officials
and others that see disasters not as tragedy, but as an opportunity
to steal from those desperate for assistance.
- Planning an office party? - in consideration of loss control
and liability insurance
- Utility interruption coverage - losses from a power outage may
exceed any direct property damage from the storm and related insurance
coverage
- Business News
- Runners and schemers, fraud, oh my!
Insurance fraud is a crime that happens every day in every state. It costs policyholders a lot of money—nearly $80 billion
a year. What we are doing about it and what you can do.
- New fax rules set for Summer 2005
New rules go into effect concerning written consent of recipients before sending any unsolicited commercial fax advertisements.
- Ask yourself “Do I need flood insurance for my company?”
If you answered no, read this
Understanding that floods can happen any where, any time—not just near the coast, lakes and rivers, learn how you can
help yourself prepare for flooding.
- Preventing accidents protects employees and reduces workers’
compensation premiums
Studies show most workplace accidents are caused by employees rather than by faulty equipment or dangerous conditions. There
are steps you can take to reduce them. By planning for and preventing work-related accidents, your company can decrease its
workers’ compensation premiums.
- Certificates of Insurance — what purpose do they serve?
Why you should not rely solely upon someone else’s insurance to protect your business.
- Do you know why an independent insurance agent is better?
Business To Business Newsletters
| Volume 31 / Issue 5
Flood of Plumbing Claims
What’s in a Name? (“insureds”
versus “named insureds.”)
Insurance Required by Your Lease
Women-Owned Businesses Hit 10 Million
Cover Up with Blanket Property
Plan for Worst-Case Scenario
Asking about Insurers
Online Buying Widens
Is Being There Worth It?
Volume 31 / Issue 4
Terrorism Insurance Finally Arrives
'Fairness in Punitive Damages' Decision
Is Spam Eating Your Business Dollars?
Are You an Equal Opportunity Employer?
Leasing Unpopular With Car Manufacturers
Seasonal Income Requires Seasoned Insurance
Lawsuit Costs
Business Risk Management Tips
Volume 31 / Issue 3
Protecting Your Information Assets
Sufficient Limits Are Key
Is Milking Old Technology Penny-Wise?
Customer Accidents: Trouble Ahead
Preparing for the Big Shake
Hiring Reductions Due to Health
Coverage of Choice
Small Can Still Be Big
What’s Extra About Extra Expense Coverage?
Volume 31 / Issue 2
Pardon the (Cost of the) Interruption
Small Corporations: Don’t Ignore Formalities
Poor Communication Can Be Deadly to Your Business
Understand that Vendor Endorsement
One Size Doesn’t Fit All
Is that a Crane or a Truck? Why Care?
‘Duty to Defend’ Coverage
Will Your Fire Extinguisher Be Ready??
Volume 31 / Issue 1
Better Property? How about Better Coverage?
No. 1 Concern of Business Today
What’s Your Risk Tolerance?
Liability Policy Exclusions: Is It in Your Care?
Insurance Company Ratings: So What?
Property Exposure: If You Lease, You Might Be Liable
Allergies Take Toll on Bottom Line
Do Your Protection Devices Really Protect?
Volume 30 / Issue 6
Money Laundering Laws Get Serious
DOL to Assist Employers
Insure Your Toys
OSHA Changes Focus on Compliance Help
Adventures in Advertising
Don’t Let Your New Business Get Scammed
Life Insurance Planning: Smart Management
ADA for Small Business - Americans with Disabilities Act (ADA)
Insurers Face Financial Woes
Volume 30 / Issue 5
Sizing Up Your Business
Is Business Interruption Coverage Needed?
Health Care Reimbursement Gets IRS Green Light
Late Payments Are Risky Business
Uninsured Motorist: The Mystery Coverage
Rental Cars and Your Business Liability
Marriage Made in Heaven
Don’t Let Your Income Slip When You Do
Build an Ark?
Volume 30 / Issue 4
Insurable Property Values Aren’t Always by the Book
Basic Protection
Phone Company Has Fire; You Get Burned
Health Insurance Cost Factors
If a Client Gets Hurt
Help for Employers
Driver Difficulties
Handle Dishonesty Claims with Care
Don’t Let Your Income Slip When You Do
Volume 30 / Issue 3
Heighten Security
Reduce Insurance Costs
Are Online Sales Right for You?
What's a Hard Market?
It Might Not Be The Bookkeeper
Natural Disaster Resources
Don't shred that
Are Background Checks Needed?
Upgrade Please - computer equipment
Volume 30 / Issue 2
The Unknown Arsonist
Coverage of Choice
Chamber Survey Says...
Wind Damage
Businesses Face Increased Risks
Making Shoplifting Risky Business
New Outdoor Sign or Satellite Dish?
Checking the Check
Safety Attitude
So Shall It Be Written – But Has It Been Done? |
Volume 30 / Issue 1
Employee Substance Abuse Not Improving
Retired: Still Need Life Insurance?
The Good, the Bad, the Ugly - Fewer Injuries,
Higher Medical Costs, Higher Premiums
Concern Over Hiring Practices
Are Laptops a Hazard to Your Health?
Safe Travel
Profound Effect of Absences
Severance Options
Adventures in Advertising
Materials: Handle with Care
Volume 29 / Issue 6
Minimizing Downsizing Problems
Auto Coverage Gaps
Employee Benefit Liability Coverage
Having Sufficient Limits
E-Signature
Independent Contractor
Don't Leave Home Without Your Umbrella
OSHA Issues Revised Record-keeping Requirements
Don't Bring an Escort
Volume 29 / Issue 5
Protecting Your Company’s Secrets
Disaster Pre-Planning Helps
Emergency Phones in the Workplace
Beware of Punitive Damages
Balancing Act: Internet Access and Productivity
Spammer Gets His Day in Court
Are You Liable for Someone Else’s Acts?
Insuring Improvements
Power Outages: Are You Ready?
Volume 29 / Issue 4
Internet Risks
Hand in the Till
Don't Let a Blackout Wipe You Out
The Value of Experience
Health Costs on the Rise
Email - The Privacy Question
Pandora's Toxic Box - liablity for environmental exposures
Volume 29 / Issue 3
Pay to Play - Serious questions about intellectual property
EEOC on Temps
Work Hardening
Improvements and Betterments Embitterment
Rainfall Windfall
Workers Comp and Taxes
Liberalization
Alcoholism In The Workplace - The EAP Solution
Volume 29 / Issue 2
Ergonomics - OSHA versus Industry
OSHA on the Internet
The Insurance Cycle
Clicks For Cash - drawbacks Internet sellers are finding
Potential Income Catastrophe
Look, No Wires!
Can The Spam!
Volume 29 / Issue 1
Why Audits Are Important
Bots - At Your Service - voicemail maze
Comp and Telecommuters
What Defines A Work Related Accident?
Caution: Lie Detectors
Delivering Trouble
Extra Liability Protection Can Come In Handy
Turn Yourself In and Avoid the Fine!
Keep Us In The Loop
Volume 28 / Issue 6
Employers Are Winning ADA Lawsuits
Where Do the Premiums Go?
Fighting Workplace Illiteracy
Disabilities Impair Companies Too
Risk Management: Pulling Up Stakes - selling your business?
The Tire Disaster
Stand Out In The E-Commerce Crowd
Shine Up The Old Pension Plan
Volume 28 / Issue 5
Traditional Policies Fall Short On E-Commerce Coverage
My Loyal Employees Would Never Do That!
Internet RX
Risk Management: Bulletproof Kidnap Protection
Our Internet Ad Say What?
Stem The Tide Of Rising Comp Cost
Mental Health Benefits Still Get Short Shift
Let A Crime Policy Shield You
When the Heirs Come In
Working With Family Can Work For You |
Articles
were reproduced, with permission, from Trusted
ChoiceSM, Inc. All rights reserved. No portion
of an article may be reproduced in any manner without the prior
written consent of Trusted ChoiceSM, Inc.
These newsletters were reproduced, with permission, from the
"Business To Business" newsletter published by Insurance
Marketing and Management Services (IMMS). No portion of any
newsletter may be reproduced in any manner without the prior
written consent of IMMS. For more information on IMMS and the
online Newsletter Plus program, visit the IMMS
Web site (http://www.imms.com) or call 800-753-4467.
COPYRIGHT ©2000-2003.
These publications were designed to provide accurate and authoritative
information in regard to the subject matter covered. It is
understood that the publishers are not engaged in rendering
legal, accounting, or other professional service. If legal
advice or other expert advice is required, the services of
a competent professional should be sought. |
|
|
|
 |
