Browsing Tag

insurance tips

General

The Importance Of Having Contents Insurance For Your Home

Do you have ceramic hobs (in fixed appliances), sanitary ware and fixed glass in your home? Learn how to take care of them and make sure they’re covered by home insurance.

When people think about taking out contents insurance, it’s mainly for the things they value most. After all, they want to protect their jewellery, electrical items and, of course, all 236 episodes in their Friends DVD box set.

Joking aside, if you’ve been looking into buildings insurance quotes, it’s a good idea to make sure you cover the things you might otherwise take for granted – such as the ceramic hobs on your cooker, and even your bathroom sink. If they accidentally get broken or damaged, they can be expensive to fix or replace.

October 2, 2012

General

Insurance Guidelines For Your Small Business

Comprehension in regards to insurance for any small business is often perceived by owners as imperceptible and overpowering. With so many reservations as to what is really vital or what can be eliminated, it is critical that a business owner can trust their insurance agent in providing the appropriate coverage needed.

Regardless of what small business you are in, you should always have:
• Liability insurance
• Property insurance
• Workers compensation insurance.

June 15, 2012

General

Why Do You Need Professional Idemnity Insurance?

If your business involves giving advice and using professional skills to aid your clients, then you might need professional liability coverage to protect you should your client claim that you have made a mistake in your advice or been negligent in your work and your client has suffered losses as a result.

Mistakes do happen, however careful you are, and sometimes clients can just look for someone to blame if things go wrong for them. If a client has lost money and thinks they can get it back by blaming someone else (i.e. you) then you may be faced with a claim for compensation through the courts.

May 9, 2012

General

You Never Know – 3 Unexpected Events That Can Impact Your Finances

So much of life is made up of unexpected adventures that we could have never foreseen. That’s part of what makes life so exciting, but it’s also what can make it so stressful and unmanageable. You know what they say: “Even the best laid schemes of mice and men oft go awry.” That’s definitely the case with finances, when months of savings can be blotted out by a single auto accident or personal injury. You never know when you’re going to get stuck paying a mighty deductible on an insurance claim, or when you’re going to need expert bail because of a case of mistaken identity. Planning for the unexpected can help you to better deal with a stressful situation when it arises. Here are the most common wrenches that can be thrown in the clockwork of your finances:

January 12, 2012

Household

How To Save Money On House Insurance

Home insurance is a necessity for home owners across the US and Canada. You cannot risk having an accident or burglary and not having the means to cover it. Repairs are expensive and the cost of replacing damaged or stolen goods may run into the thousands of dollars. Heirlooms may be irreplaceable. It is far easier to avoid that stress and insure your home. In these tough times, saving money on your essentials is something you should not be afraid of doing, even on things like insurance, which a lot of people just don’t bother touching. We will look at different ways of saving money on your home insurance in this article.

Examine Your Deductible

This is one of the simplest ways to save money. A deductible is how much you have to pay towards damage, theft, etc. to your home. Your insurer will cover the rest. Say you have an accident which causes $10,000 worth of damage and you have a deductible of $3,000. You will pay the $3,000 and your insurer will pay the remaining $7,000. Increasing your deductible will reduce your monthly premiums. Remember to only increase it to something you can afford. Don’t put your finances under pressure.

December 21, 2011

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