Archive for 'For Your Business'

Insurance: Your 3 Biggest Questions Answered

Posted by: vpenson

Insurance comes in a wide array of choices for a variety of consumer and business needs. Even the best-educated consumer who spends time researching insurance issues will come across a topic he or she doesn’t understand.

Let’s take a look at what consumers say when asked: “What’s one thing you don’t understand about insurance?” Here are three common questions that Trusted Choice® insurance agents and brokers hear:

Q: Why do I need insurance?

Insurance is for the uncertainties of life. Accidents and catastrophes ...

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Business Use of My Personal Vehicle: Will My Insurance Work?

Posted by: vpenson

There are over 240 million registered motor vehicles in the U.S.,
according to the Census Bureau. At a given time, as many as a third of those
clutter American roadways, and it is estimated that one-fourth of those are
being used in the course of work.

Running errands, making deliveries, visiting customers. Even
for those whose employment is not based on driving, it’s fair to say that your
vehicle is an essential part of your employment. This presents an important
question: ...

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Small Businesses: Don’t Let Business Risk Share Your Home

Posted by: vpenson

The diversification of the U.S. economy over the past generation has meant that millions of Americans have started their own businesses. Americans still chase the dream of being their own boss by starting their own business—and the trend has picked up because of hiring slowdowns and spikes in corporate layoffs.

Small businesses are the biggest driver of job growth, generating 60 to 80 percent of net new jobs annually over the last decade, according to the U.S. Department of Commerce. Small firms employ ...

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Does Volunteering Your Time Mean Volunteering Your Insurance?

Posted by: vpenson

Millions of Americans donate time—their most valuable asset—to
serve as a volunteer board member on non-profits, booster clubs, churches, PTAs
and civic organizations, just to name a few. The decisions these folks make can
have a dramatic impact on their respective organization—and not always for the
better. If a volunteer endeavor goes bad, would a volunteer board member have
coverage against a lawsuit under his or her homeowner’s policy?

Homeowners’ Insurance

The last thing volunteers want to consider is what would
happen ...

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Saving Money on Insurance: How Can It Be Done?

Posted by: Charles Hagerty

In the throes of an economic recession, millions of consumers today are cutting back on discretionary spending—and are even tightening up on the necessities. Now is an excellent time to review your insurance coverages with your independent insurance agent to find ways to cut costs while still protecting your family or business.

The premiums paid for insurance are a tremendous value. For instance, for the cost of several hundred dollars annually, a homeowners insurance policy provides a family with the means ...

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What an Umbrella Policy Is, and Why You Might Need It

Posted by: Charles Hagerty

Most Americans view auto insurance as necessary to protect against the costs of a car accident. Likewise, it’s common knowledge that homeowners insurance helps families rebuild their lives and homes. An “umbrella” policy is not as well known, but anyone who owns a home or any assets should consider buying it.

Umbrella liability insurance covers you in many situations if you are held responsible for bodily injury, property damage, or personal injury. The product got its name because it adds a ...

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Mobile Devices: Does Insurance Tag Along?

Posted by: Charles Hagerty

Mobile information devices like PDAs and MP3 players occupy the bags and pockets of tens of millions of Americans. These devices can be pricey, often costing hundreds of dollars. The cost to obtain the information programmed on these gizmos can be exponentially more. If your portable device is damaged or stolen, will these costs be covered by your insurance?

Personal Insurance

Consider the iPod. Their owners span every demographic. For some, the iPod is as important to getting through the day as ...

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Power Struggle: The Cost of Electrical Surge

Posted by: Charles Hagerty

Your family is forced to stay home due to the big storm hovering over the house. The comforting sounds and bright screen of your 52” LCD  television eclipses the noise from outside. Then it happens: Just as you’re about to discover who gets voted off the island, your family is startled by sudden darkness.

After the outage forces your family to live in darkness for a few hours, the local power authority flips the switch and all is well…for a moment. ...

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What Can I do to Reduce My Workers’ Compensation Premiums?

Posted by: Charles Hagerty

  1. Manage Your Risks
  2. Take Advantage of Saving Opportunities
  3. Be Sure Your Premium is Correctly Figured
  4. Avoid the Assigned Risk Fund

Manage Your Risks – Most small companies cannot afford to hire a risk manager. Nevertheless, someone in the company should have a continuing responsibility for loss control and the management of workers’ compensation claims. This involves a variety of programs to keep workers safe, the medical management of claims and early return to work ...

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When You Travel, Do You Need Special Insurance?

Posted by: Charles Hagerty

Recent months have brought travel risks to the forefront of consumers’ minds: the economic downturn, safety risks overseas due to political unrest, and a potential new strain of influenza that has emerged from Mexico.

There are two broad types of travel-related coverage for those leaving the United States:

  • Travel insurance covers the loss of the prepaid travel costs of a trip should it be canceled, interrupted, or postponed. It also can reimburse unexpected expenses incurred due to a sudden change ...

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