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

Got questions about Auto Insurance?

Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.

In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver; however the degree of each varies greatly. Read more

Full Service Insurance from Brian Roselli

Permanent life insurance is a form of life insurance such as whole life or endowment, where the policy is for the life of the insured, the payout is assured at the end of the policy (assuming the policy is kept current) and the policy accrues cash value.

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State Farm Insurance Your Neighborhood Universal Life Insurance Provider

Universal Life is a type of permanent life insurance based on a cash value. That is, the policy is established with the insurer where premium payments above the cost of insurance are credited to the cash value. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, which is drawn from the cash value if no premium payment is made that month.

 

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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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Affiliated Insurance Services, Inc. serving Panama City, FL

Affiliated Insurance Services, Inc. offers Health, Life and Disability Insurance for individuals and groups. They are located at:

3016 Stanford Rd.
Panama City, FL 32405

Phone:  850-763-2626

Fax:      850-763-7330

Call or visit today to chose your plan.

Individual & Group Plans Health Insurance Short & Long Term Disability Income Replacement Section 125 Cafeteria Plans Cancer, Critical Illness, Accident & Hospitalization Plans Long Term Care and Home Health Care Plans Employee Benefits for groups of 3 or more! Impaired Risk Life, Health & Disability Insurance Past President of NAIFA - Panama City, FL Chapter Member of National Association of Insurance & Financial Advisors

Term, Whole and Universal Life Insurance Dental Insurance AFLAC Senior Health & Prescription Insurance Medicare Supplement Vision & Eyeglass Plans Senior Life Insurance Represent over 70 companiess…I work for you! Lifetime resident of Bay County, FL Proudly Married with 2 beautiful children!

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

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J.C.Warrick, Investing with a Purpose in Norristown, PA

The J.C. Warrick Financial Group is the independent, one-stop financial needs firm that focuses on your needs and your finances. They help you manage the financial and tax implications of your career and business.

1109 West Main Street
Norristown, PA 19401

 Phone:  610-292-0135

Fax:      610-270-3045

To find out more about J.C. Warrick’s services, visit their website @ http://www.bythezip.com/Companies/1000011590.htm 

For money saving coupons visit: http://www.bythezip.com/coupons/1000011590.htm

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