Insurance Info

When you own an independent business or are self-employed, sometimes it can be difficult to decide if you need personal or commercial auto insurance. Many people make the mistake of thinking that commercial insurance is just for businesses. This is false – it depends on the type of vehicle you own, and how you use it. Some independent business owners may believe they don’t need commercial policy, but they really do. Don’t make wrong decisions because you aren’t sure what you need; you could eventually regret it later.

Benefits of Commercial Auto Insurance
Commercial policies tend to have higher liability limits than a personal policies, and they can usually cover multiple vehicles. You can also have your employees and co-workers listed as covered drivers on your policy. Also, having a commercial insurance, when required, keeps you legal. This is enough of a reason to make sure you’ve got it right.

Personal Auto Insurance Might Exclude Coverage
Personal policies might exclude coverage if you’re involved in an accident while using your vehicle for business. In general, if you use your vehicle for any type of business, you probably should have a commercial policy. Some examples of business use include delivery or transportation services, such as pizza and newspaper delivery, or using your vehicle to drive to multiple worksites or meet with clients every day. Continue reading ‘Personal Or Commercial Auto Insurance?’ »

For business trips, a corporate insurance plan is necessary for those needing something more than standard cover whilst retaining the benefits of a standard travel insurance policy – cancellation, medical, luggage etc

Business travel cover will insure your laptop, mobile phone, palm & other related business equipment & include the hiring of replacement items. This also includes the recreation of business documents lost, damaged or stolen during travel.

3 Key Advantages of Business Travel Insurance

Corporate Travel Cover should add 3 key advantages to the plethora of benefits offered by a standard holiday insurance plan:

Business Equipment Cover
Hire Business Equipment Cover
Recreate Commercial Documents
That is the insurer should pay for accidental loss, theft or damage of equipment (Computer & accessories, other commercial related equipment and business documents).
The insurer should also pay you for the hiring of alternative business equipment in the event of accidental loss, theft or damage to business equipment, including misdirection or delay in transit of said equipment. Continue reading ‘A Beginners Guide to Business Travel Insurance’ »

In the US, there are thousands of deaths due to vehicular accidents. What does this mean? This means that everyone behind the wheel needs to drive safely in order to increase their chances of survival while on the road. Also, this means that everyone behind the wheel needs to be a card carrying car insurance carrier. It’s more than just a good idea, it’s the law.

Driving without insurance is a good way to get fined hundreds of dollars, possible jail time and even the chance of losing your driver’s license or your car. These penalties differ by state, but it doesn’t matter where you drive, being insured is a must.

So how does one go about getting your car insured without losing thousands of dollars a year? Doing your research on insurance companies and the policies they offer is a great way to make sure you’re buying insurance you can afford and that you actually need. Some policies offer things that not every driver needs. If you don’t own a pet, you won’t need to pay the additional insurance for any animals in your car. Continue reading ‘How to Find the Less Than Average’ »

As the days shorten during the winter period and darkness sets in earlier in the day, the opportunity for potential burglars to strike increases. This is compounded by the fact that burglars know that there are likely to be high-value items in most homes during the Christmas period.

This means that there is good reason to take measures to safeguard your house against any unwelcome visitors. As most people keep a Christmas tree surrounded by presents in the weeks leading up to Christmas, one simple preventative measure is simply keeping your curtains closed so as not to tempt any opportunist passersby. Also, once you have opened your presents it is good practise to get rid of the boxes and wrapping, so that you are not advertising the presence of gifts.

Continuing down this line, it is advisable for people to keep other valuables such as car keys, wallets and laptops out of sight and to get into the habit of keeping their doors locked. Taking extra security measures – such as an alarm system – is always a good idea, not just for the festive period but for the long term too. Also, take extra care with your Christmas lights and candles. By taking precautionary steps you can ensure that you are not exposed to misfortunes for which you may not be protected for, and therefore will be safe in the knowledge that any incidents should be covered by your house contents insurance policy. Continue reading ‘Protect Your Home Contents Over Christmas’ »

We don’t typically think about golf carts needing insurance, however you’d be surprised at how vulnerable you can be if you don’t have any and you should have an accident while at the golf course, or the lake or a campground. If you do have an accident either at one of these private places, or on a public road there is always the possibility that you could have an accident that could cause damage to someone else’s property or to them personally.

If something like that were to happen then you could be held personally liable for the accident and as you may know from accidents, it can get quite expensive. I know that it may seem odd, but you might be surprised at how many golf cart accidents there are each year that cause damage to property and if someone was to get hurt, we know full well that medical bill can get out of hand quickly.

While most insurers don’t offer this kind of coverage, there are more than you might think that do and with just a little bit of looking around you can find them quite easily. One place that you can start looking is at places that offer insurance for recreational vehicles, or specialty sports insurers. Most of them will offer several different policy choices just like when you get insurance on your car. Continue reading ‘Golf Cart Insurance – Protect Your Investment’ »