Understanding General Liability Insurance!

In today’s litigious society, even small mishaps can result in large lawsuits. That’s why general liability insurance, along with property and worker’s compensation insurance, is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn’t do) to cause an injury or property damage.

General liability insurance can be purchased separately or as part of a business-owner’s policy (BOP). A BOP bundles property and liability insurance into one policy; however, the liability coverage limits are generally pretty low. Businesses that need more coverage usually purchase liability insurance as a separate policy. The amount of coverage a business needs depends on a couple of factors:

• Perceived risk. Business owners should first consider the amount of risk associated with their business. For example, a business that manufactures heavy machinery is at a greater risk of being sued than a company that manufactures linens, and would therefore need more liability insurance.
• The state in which you operate. Businesses that operate in states with a history of awarding high damage amounts to plaintiffs typically need to carry liability insurance with higher coverage limits. An insurance broker can offer guidance in this area.

Questions about Long Term Care Insurance?

Long-term care insurance (LTC or LTCI) helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs). Long-term care isn’t necessarily long term. A person may need care for only a few months to recover from an accident, surgery or illness. As an individual ages, there is an increased risk of needing long-term care. Read more

Did you think about Renters Insurance?

Renters face the same risk as homeowners in cases of disasters striking their dwelling. Your landlord or condo association may have insurance, but this only protects the building, not your things in it. Renters insurance can protect your belongings in case of disaster.

There are several types of residential insurance policies and generally, these cover losses to your personal property from 16 types of perils:

·        Fire or lightning

·        Windstorm or hail

·        Explosion Read more

Is Term Life Insurance the Best Protection for You?

Term life insurance or term assurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. This is in contrast to permanent life insurance such as whole life, universal life, and variable universal life.

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Nationwide Insurance in your area

Mortgage Life Insurance refers to an insurance policy that guarantees repayment of a mortgage loan in the event of death or, possibly, disability of the mortgagor. Private Mortgage Insurance (PMI) refers to protection for the lender in the event of default, usually covering a portion of the amount borrowed. There are Government loan products that also include a Mortgage Insurance Premium (MIP), essentially the government equivalent of PMI.

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You Hometown Life Insurance Specialist

Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual’s or individuals’ death or other event, such as terminal illness or critical illness. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured’s demise.

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Peterson Insurance Services, Inc. Havertown, PA.

Peterson Insurance Services, Inc. of Havertown, PA. We pride ourselves on service (Call & try us) in business since 1998. Specializing in financial services, auto insurance, homeowners, and life insurance. We are above all others in service!

Charles E. Peterson, Owner

140 West Eagle Rd.
Havertown, PA 19083

Phone:  610-446-5059

Fax:      610-446-7313

Click here to visit their website:  http://www.bythezip.com/Companies/1000011073.htm

We Are Above All In Service Financial Services Motorcycle Insurance Senior Long Term Care Insurance Annuities Homeowners Insurance Business Insurance: Contractors Insurance, Bonds Workers Compensation / Workers Comp

Auto Insurance / Car Insurance Flood Insurance Online Quotes Disability Insurance Call For FREE Quote Life Insurance Propery & Liability Insurance, Commercial Umbrella Renters Insurance

Nottingham Insurance in Yardley, PA 19067. “Your Independent Agent of Choice Since 1917″

Whether your needs are personal or business related, Nottingham Insurance offers an extensive selection of insurance products to fit your needs.

Find them online: http://www.bythezip.com/Companies/1000011321.htm

91 South Main St
Yardley, PA 19067

Phone:  215-493-1996

Fax:      215-493-0395

Automobile Insurance Commercial Insurance Business Insurance Wide Range of Carriers

Homeowners Insurance Flood Insurance Financial Services Skilled & Knowledgable Staff

Joseph H. Tyson & Company, Inc. in Media, PA 19063. “Family Owned For Four Generations”

Established in 1936 by Joseph H. Tyson, their agency has grown into a full-service, experienced insurance agency, serving the needs of the personal and the commercial insurance customer. Their firm is staffed with proven professionsals that are conscientious, caring people you can count on. For more information, click the following link:http://www.bythezip.com/Companies/1000011087.htm

109 Chesley Drive
Media, PA 19063

Phone:  800-632-2380

Family Owned Insurance Agency For Four Generations Personal and Commercial Life Insurance Homeowners Insurance Retirement Planning Universal Life Insurance Quick Claim Response & Competitive Rates

Licensed Insurance Agency In 10 States Business Insurance Long Term Care Disability Insurance Whole Life Insurance Loss Control Programs Serving The Delaware Valley and Beyond

JL Davis Insurance in Schwenksville, PA 19473. “Let Us Do The Shopping For You”

JL Davis Insurance is a full service independent insurance agency providing personal, business, life, and disability insurance products to their clients in the Tri-County area.

Check them out online at: http://www.bythezip.com/Companies/1000011535.htm

1000 Gravel Pike
(Suite 100)
Schwenksville, PA 19473

Phone:  610-287-8440

Fax:      610-287-8876

Auto Insurance Home / Homeowners Insurance Workers Compensation Motorcycle Insurance Classic Car Insurance Motorhome/Recreational Vehicle Insurance Group Health Insurance Long Term Care Insurance Disability Insurance Universal Life Insurance

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