There are several different types of fitness insurance designed to cover several different facets of a health club or fitness center. If you own or operate a fitness establishment it is important to find the most affordable insurance program that offers the most comprehensive coverage. There are a number of different types of liability insurance available to these commercial establishments depending on the services that are provided to the public. If you offer personal trainer services, group classes, or yoga and pilates sessions, there are specialty liability coverage options that will cover common risks associated with these fitness classes and services. Educate yourself on optional liability packages that can be purchased in addition to General Liability to guarantee you are fully protected against potential lawsuits.

Personal Trainer Insurance

Personal Trainer Liability coverage is available to protect personal trainers, athletic trainers, and sports conditioning professionals against liability claims that can arise from the services they offer in their profession. Because trainers are expected to work under a code of conduct, they are expected to offer accurate and beneficial tips on nutrition and workout programs. If any advice or session a trainer conducts causes bodily injury to a client it is necessary to cover not only general liability coverage, but also professional liability coverage and personal injury protection.

Group Fitness Insurance for Instructors

Group fitness instructors are also provided their own specialized fitness insurance policy. Because most instructors teach at multiple fitness clubs, the instructor will need to purchase a professional liability policy that will cover them when teaching in health clubs, homes, and youth facilities. Covering instructors against lawsuits that can arise from injuries or damages caused while instructing, professional liability insurance is essential in this profession. With additional endorsements available to cover accusations of sexual abuse and products liability, you can cover every potential risk you can imagine.

Yoga Insurance

Yoga instructors dedicate years to perfecting their craft. In order to ensure all of the effort is not taken away in the blink of an eye, yoga instructors must carry professional liability insurance that will pay for trip-and-fall or negligence claims wherever they are providing instruction. While basic coverage will cover standard negligence claims, like other forms of fitness insurance there are specialty coverage options to protect sexual abuse and products liability for yoga instructors.

Health club owners must also insure their interests in their business with their own form of general and professional liability insurance packages. All activities and services offered at your gym facility should be covered within your insurance portfolio. Do not leave yourself at risk for financially harmful claims and review your insurance packages whenever renovations or upgrades are made to your fitness center. Be sure your independent contractors and your business has the right insurance coverages for peace of mind.

Source by Maddie Wilson

Prospecting insurance leads can be a challenge, but it is certainly worth the effort.  You can create a lead generation system that will bring you potential clients consistently and will be worth the investment of your time and money.

Your insurance leads can come from various sources.  While you put in the time to connect with potential customers, you can also have others on the job helping with those connections as well.  Some of those sources will be free and others will require a minimal financial investment.

Generating Insurance Leads

There are all kinds of potential sources for generating insurance leads.  You are your own walking billboard for your business as you come into contact with people and tell everyone that you know about what you have to offer.  You ask questions about their insurance policies and tell them you’re available to provide assistance for their insurance needs.

You can generate insurance leads through advertising in newsletters, radio commercials and even with lawn signs.  Many agents grow their businesses through free insurance leads from word-of-mouth, getting new clients from referrals.  You can use a variety of techniques to attract consumers and get the leads that will allow you to increase your commissions.

Internet Insurance Leads

Since many people prefer doing much of their shopping online, you’ll find an abundance of business through internet insurance leads.  There are online sites where consumers can input their information in order to learn about different types of policies as well as get estimates of how much each would cost.

You could sign up with a service that provides qualified leads and get access to the many people shopping online for insurance.  You can acquire leads based on the products and services you sell and respond to online requests on a regular basis.  You will be able to reach customers much faster and will have the opportunity to gain clients from all of the states in which you are licensed to write insurance.

Telemarketing Insurance Leads

How would you like to hire a company that does your prospecting for you?  The right telemarketing company can put you in contact with the people who need your insurance products and services.  They will help make this aspect of your business easier for you so that you can focus on making more sales.

You can get leads from the telemarketing firm and make the initial contact yourself, or you can have their team of professionals make the calls to get you pre-qualified leads.  They will ask the appropriate questions and ascertain whether the person is ready to purchase insurance.  They will even pre-set appointments for you as an additional service, and you can have a calendar full of opportunities to write business each week.

It’s wise to take advantage of all the methods for prospecting insurance leads that your budget can handle.  The more leads you can get, the greater your chances for writing more business.  Along with referrals and professional contacts you make, you can also get leads through a lead generation service.

Source by Howard Boyd

As an independent food vendor at craft shows and festivals, you probably already know a lot of the ins and outs of selling food to hundreds or thousands of people in a day. You know how to order your stock, to create your product, to set up your booth, to collect money, and to balance your books. However, not knowing the right information about your insurance could ruin your entire business with a single bout of food sickness, even if it isn’t strictly your fault.

Just like anyone else, you need health insurance to cover yourself and your family. You can buy individual health insurance plans quite easily now, though they can be rather expensive. Just be sure to look over the plan thoroughly to be sure that you aren’t paying for services that you don’t need. Do, however, be sure that you will be covered in the event of a major medical emergency.

As a vendor, one of the most important forms of insurance you’ll need is liability insurance. You may think that you’re too safe in your food handling procedures to need this type of insurance, but there are really a thousand things that could go wrong. What happens if a customer gets cut on a loose screw on your booth? What happens if one of your employees trips or burns herself with hot oil? What happens if one of your vendors sells you a bad product and you have to deal with the liability fall-out?

Now you probably have another fifty scenarios running through your mind. Liability insurance, though, can set you at ease. It will ensure that after you take all the necessary precautions you don’t get sued for all you own when the worst happens. Just be sure that you have plenty of liability insurance to cover lawyer and settlement costs, and you’ll be fine.

Lastly, you certainly need property insurance. Even if you have only one food booth, you’ve still got quite a bit of money invested in it, and to see that money go down the drain when something bad happens would be terrible. You can get a separate business property insurance policy through just about any insurance agency, or you can possibly save money by buying it through the same company who insures your home.

Oftentimes a business insurance policy will roll two or three of these types of insurance into one, and this could be a good way to go. Just be sure that you know exactly what you’re getting before you sign on the dotted line.

Source by Cathy Shaver

Health insurance a basic necessity that everyone needs to prevent and treat illnesses. However there are millions of Americans that are without health insurance because they cannot afford it.

Anthem Blue Cross and Blue Shield understands all too well health insurance requirements that are needed to insure the health and well being of consumers. Anthem Blue Cross and Blue Shield has been a trusted name in the insurance industry for decades, and is the underwriter for this plan. This alleviates a

lot of stress for those who need health insurance because of serious or ongoing illnesses.

Tonik Health Insurance is a comprehensive insurance plan created by Anthem Blue Cross and Blue Shield. Included in this specially designed policy is major medical, dental and vision coverage.

Although Tonik health insurance was originally developed for children, students and college graduates, there are plans available for adult up to the age of 65. There is an affordable health insurance plan for just about everyone, each with its own co-pay and prescription plan. Just like other health insurance plans, the deductible is paid through a series of medical visits.

Tonik health insurance is new to the insurance market; therefore it is not available in every state. It is currently being marketed in CALIFORNIA, COLORADO, CONNECTICUT, GEORGIA, NEVADA, and NEW HAMPSHIRE.

Using Tonik health insurance means that you can choose your own doctors. If however you have difficulties in finding them, Tonik health insurance offers links to Doctor Finder program that will assist you in finding doctors in your state.

Source by Peterjohn

International travellers visiting countries like the US and Canada should buy visitor medical insurance before starting their journey. There are always chances of falling ill or meeting with an accident while you are outside your familiar environment, cuisine and weather conditions.

Visitor health insurance will provide financial assistance during medical emergencies and can prevent you from insolvency while abroad. Some travellers tend to ignore visitors medical insurance considering it as an unnecessary extra expenditure on the travel costs. Unfortunately, the importance of visitors insurance will be realized only during a crisis and there is no point bemoaning the fact that one does not have proper insurance at this time. While you are in alien surroundings, it is difficult to survive financially if not covered with proper medical insurance coverage and you can become an handicap for the loved one you are visiting.

Why visitors medical insurance?
Visitor health insurance will take care of financial burden while you are hospitalized. Your medical expenses, repatriation, charges for medical evacuation… are covered under visitors health insurance. visitors insurance plan is popular with immigrant communities in the United States such as for communities from India, China, Russia, Europe, Mexico and South America. Visitors insurance can be purchased by children and grandchildren for their visiting parents/grandparents. Although you cannot avoid health ailments, visitor medical insurance enables the insured to stay worry free from medical expenses during a medical emergency. Visitors medical insurance – Advantages
Once the visitors medical insurance is purchased, the insured will be guided with written instructions about preferred provider network (PPO), list of hospitals and how to make a claim to benefit the coverage. The insured can avail cashless facility or reimbursement of the medical cost depending upon the plan chosen. The claims will be settled by the insurance company after evaluating for authenticity of the coverage. Visitors medical insurance will also cover you in case of war or terrorist activities.

Online Visitor medical insurance – Compare and Buy
There are plenty of Visitors medical insurance products available in the market. There are several factors you need to consider while buying visitors health insurance plans. Visitors medical insurance online is the best tool to compare visitor insurance policy and to purchase the plan itself. Deductibles, co-insurance, premium cost, maximum coverage… of visitors insurance products vary according to the terms and conditions of the providers.

Visitors medical insurance products fall in to two categories as Fixed benefits and comprehensive. While fixed benefits are more affordable, the coverage is also limited, on the contrary Comprehensive plans while being more expensive, provide better insurance coverage.

Consumers can evaluate visitors medical insurance plans by prominent insurance companies before making a purchase. Online visitors medical insurance is highly recommended since there is no need for medical documents while buying the plan of your choice.

Choose the plan according to your age group since visitors insurance plans are designed to meet the requirements respectively. Compare visitors insurance plans by various insurers and buy using your credit card at American Visitor Insurance. Stay secure with visitors health insurance while visiting your close ones in the US or Canada and make your visit a memorable experience.

Source by Anubhav

A business coach can help an individual entrepreneur or a company, in meeting targets, managing time properly, making the right investments, or improving the existing system. When a person relies upon a business coach for so many things, his expectations are substantial. If things do not go forward the way he had hoped it to, he would obviously hold the coach liable for much of the negative fallout. The entrepreneur is bound to initiate legal action under such circumstances. If the coach does not have business professional liability insurance, he will find it extremely difficult to cope with the situation.

It is often argued that a person will not need professional indemnity insurance if he discharges his duties correctly. It is an arithmetic that does not gel from a practical perspective because, more often than not, the mistakes are inadvertent. A mistake on the part of the coach can ensue from just a minor communication gap. But it can have larger ramifications than we may expect and would motivate the client to seek compensation. When there is business professional liability insurance, the insurance company will meet all the expenses of engaging trained lawyers to defend the coach in court and will pay any money that becomes payable to the client as per the discretion of the court.

While private sector has always been seen as comparatively more challenging, public sector has also become an arena that demands perfection, creating a huge demand for the right coaches in the public sector. While these coaches have been successful in improving public sector performance, they are not pardoned if things go wrong. That is why business professional liability insurance becomes mandatory for a public sector business coach.

By this same token, professional indemnity insurance is important for telecommunication business coaches as well. The type of service they provide will vary based on the client’s need and the stage that the business is in. The more his coaching is required in taking important decisions, the more the risk the coach is exposing himself to. Accordingly, those coaches involved in helping with more important decisions will also require more business professional liability insurance cover.

A health care business coach motivates health care professionals and helps physicians to discover themselves by awakening their talents, and guide them in career transition if necessary. A doctor’s job is a high-risk arena since his mistakes can lead to life and death issues. A business coach who motivates him is becoming part of that risk. A health care business coach can be held responsible for a doctor’s mistake that is a result of his guidance, and might have to pay a huge compensation if found guilty. Professional indemnity insurance cover will be the only way out of such a situation. Business professional liability insurance is important for a health care business coach because, while people are ready to pay well to retain one, they will be equally exacting in demanding compensation if things did not work out well with the help of his advice.

In short, survival is difficult for a business coach without professional indemnity insurance, whether he is helping people with the complexities in the filed of health care, telecommunications, or publics sector.

Source by John Corr

The whole concept of insurance is that of continuing education. Unless an insurance advisor is seriously in touch with the subject and the changing regulations, he cannot suggest the right kind of a policy to his customers. And customers’ expectations also change with time!

That is the exact reason why the government has put in a law that all insurance advisors should attend a mandatory training session for a stipulated number of hours each year. Since the laws change from state to state, we can’t be specific about it – but it generally is around 20-25 hours a year. In that, there is one session which is compulsory – Insurance Ethics; and when you think about it, that is a seriously good condition to have been put into the regulation code. Insurance is such a sector in which there is so much of competition that it is quite tempting for people to skip the little ethics which are mostly in unwritten form. So each year, when there is a brush up on the ethics front, there is a conscience which pricks us from inside when we cross the line.

Insurance continuing education classes have become easy with the online version that has come into existence in the recent years. No longer do people need to head down to an insurance training centre and look for a slot in which they prioritize and attend classes to complete the fixed number of hours as per the code. They can just log on to some website which is certified by the board, and update their insurance education online itself. If you are a busy person (as most insurance people are) you would normally not like to spend time at an institute, that too during working hours. Online, you can finish the required number of training hours at your convenience – whether it is at night or during the day. Even weekends are fine, if you have a computer based session!

Then comes the biggest advantage – unlike at your local training institutes, there is no compulsion that the same sets of training modules need to be taken each year. There are so many new modules which are added year on year, and the amount of knowledge which can be gained in insurance continuing education online is immense! There is absolutely no limit to what can be learned at these sessions. If you have not seen the modules online yet, head down to a recognized training portal and you will sure be amazed!

Insurance continuing education classes have come a long way. Some states used to not even require such training and some still do not. It is very important to stay ahead of the competition whether that means knowing the news insurance laws and regulations, learning new sales practices, or even learning about new product offerings to your current and future clients. If a client trusts you on being the expert, you better not disappoint them, or your friendly insurance agent down the road will make sure to fill your shoes in an instant. It is also important to gain their trust and receive referrals. You would be surprised on how many successful agents work strictly on referrals.

Source by edward hulse

Truck rental is not something that people have to do every day. Usually an event such as a breakdown or house move preceeds your need to rent a truck. The area that causes the most confusion is the issue of truck rental insurance. Most people do not understand how to approach their insurance company to organise a transfer. This guide is written with the Irish Truck rental market and insurance comanies in mind. 

With a standard car policy your options for a transfer are limited. The reason for this is that your standard policy cannot be transferred onto any rental truck larger than 3,500kgs gross. This does not limit you to only vans, you can still drive rental trucks in this class.

What you need to ask your insurance company for is a Temporary Substitution, this puts the Rental Truck on cover while removing your car from cover. If you require to use your car at the same time you need to request a temporary addition. You will find that many insurance companies can be wary about adding a commercial rental vehicle to your policy. This is because of the higher risk premium attached to the vehicle. Generally you have a much higher chance of having a transfer approved if you are moving home and you should make the insurance company aware of this.

Using your own cover does have some advantages. Firstly, the excess you are operating on will be the same as what your car cover carries. THis will be lower than purchased insurance from the truck rental company. Secondly , quite often your car insurance company may well do the transfer for free.

To take Ireland as an example, it can be difficuly to organise an insurance tranfer onto a rental truck. The insurance companies have become more restrictive over the last 36 months and you will find that you are more likely to end up purchasing insurance from the truck rental company.

When purchasing insurance from a hire company, make sure you find out exactly what the insurance cover and what the excess level is. Also ask about the grace period that the truck insurance carries. This can vary between truck rental companies.

Source by John Murphy

Anyone who doesn’t know what COBRA insurance is probably has never been terminated from a place of employment. The only time when COBRA health insurance is available is when a person is terminated from their place of employment, after which they are covered for at least 18 months. COBRA insurance coverage has existed since 1985, when the Consolidated Omnibus Budget Reconciliation Act was signed into law. This applies to most companies that offer some sort of group health insurance coverage, but not in every case.

The COBRA health insurance is not always available to terminated employees; there are certain exceptions. The COBRA insurance law allows terminated persons to get health insurance for themselves and their family members at the group rate, but only if they were all covered during employment. COBRA health insurance can also be used during a change in employment status, including reduced hours. People who divorce an eligible employee can also qualify for COBRA insurance coverage.

Since COBRA insurance extends coverage for 18 months so terminated employees don’t need to worry about a change in their health insurance benefits, but it is not free. COBRA insurance coverage will be the same as the insurance provided when that person was employed, but they will be responsible for the payment of monthly premiums. It is possible, however, for COBRA insurance coverage to change if the employer changes their coverage to current employees.

It is important for people to remember that COBRA insurance is meant to be temporary, which is why it is usually only available for 18 months. In some cases people can apply for an extension, though. Once this cobra insurance coverage period expires, the terminated employee will find themselves without health insurance unless they make buy their own plan or get coverage from a new employer.

The fact that COBRA health insurance is temporary is one of the dangerous things about it, because that deadline can creep up on people. If a terminated employee gets very sick while they are covered by COBRA insurance and they can’t find new insurance they could be in big trouble. They may find it difficult to get future health insurance coverage if this illness is subsequently classed as pre-existing and is “uninsurable,” which is usually the case with serious and possibly terminal illnesses such as various cancers and AIDS.

Though there are limitation and drawbacks, COBRA insurance coverage is a resource that terminated employees should take advantage of, especially if they provide for their family. COBRA insurance should always be considered a very short-term solution, though. Terminated employees should immediately begin looking for new employment where medical benefits are offered.

For more resources about human resources training or about human resources issues or even about human resources development please review these pages.

Source by Groshan Fabiola

If you are planning to open your own medical facility or indulge in medical business, you must buy yourself adequate professional liability insurance to protect from any unforeseen financial liability. In some countries, buying professional liability insurance is must before initiating any business or before providing professional services to people.

Sometimes, people usually believe that professional liability insurance only meant for just doctors and hospitals, which is a myth. However, liability insurance is more than that, it also covers anyone who is contributing to the medical field and want to protect him or her.

Types of professional liability insurance

There are different kinds of professional liability insurance policies that you may take to increase your profitability and minimize your liability. As a medical professional, you are being aware of the advantages and disadvantages of professional liability insurance by now. So, when you think that you are ready to start working or to open the doors of your own medical business, you must ensure yourself by taking adequate professional liability insurance policies.

Usually, professional liability insurance can be purchased keeping in mind the nature of the business. It will further help you to attain specialization in the matter and providing the best services to common people. Along with your claims experiences and limits of liability you choose, these factors will also go into determining the cost of the professional liability insurance for yourself and your medical business, as well.

For getting the most beneficial deal on professional liability insurance, you can judge the situations by yourself. Search thoroughly on the professional liability policies available in the market and see if it matches with your usages or not. You can also contact many well-established professional agencies which provide adequate protection against emerging business risks. Try to gather all relevant information on professional liability insurance and stay happy will minimal risks that may bother you like anything.

Source by Roberto Luongo

Of late, health insurance has become vital part of our life as it takes care of our medication bills, hospital bills and doctor visits. If you are not covered by a group health insurance plan in Florida, then a health insurance plan can be a great help in a situation of medical urgency such as accident or sudden illness. Health insurance in Florida enables people to get quality treatment at a price they can afford.

Some of the popular insurance plans available in Florida are kids plan, family plan, individual plan, students plan, dental plan and temporary plan. All major health insurance providers in Florida have come up with two types of schemes namely- Indemnity Plans and Managed Care Plans. One can choose the type of health insurance plans according to his requirements and budget so that best plan is bought at the most reasonable price.

Indemnity Plans: Also known as reimbursement plan, indemnity plan is one of the most common health insurance plans that offer the flexibility and an opportunity to select your own physician or hospital when you need treatment, without having to deal with provider network. In this plan, policy holders are free to choose treatment wherever and whenever they required as insurance companies are liable to pay fees for the medical services provided to the insured people. There are three types of indemnity plans available in Florida such as basic health insurance, major medical insurance and comprehensive insurance.

Managed Care Plans: There are three basic types of managed care plans available in Florida namely- Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) and Point of Service (POS) plans. Apart from differences between the managed care plans, there are similarities too. All managed care plans act to make an arrangement between the insurer and a chosen network of health care providers such as doctors, hospitals, etc.

Even though all major health insurance providers in Florida provide the same insurance schemes, before selecting any Florida health insurance company people need to know about the various health related plans available in the market. In fact, it is advised to make an extensive search to find a health insurance plan, which is suitable for you. There are a number of companies available online in Florida. A browse through their sites enables you to know their plans and services from anywhere within least time.

Source by Article Expert

Thanks to global warming, hurricanes, floods, fires, and other natural disasters are on the rise. And robbery and vandalism in Florida are at an all-time high. So if you own a condo and don’t have Florida condo insurance you risk losing everything you own. Here’s how to get cheap Florida condo insurance with an A-rated company.

Florida Condo Insurance

Most condominium association insurance policies only protect the condominium structure. It doesn’t protect your personal property or provide you with liability insurance.

Here’s what standard condo insurance covers:

Your Property

Condo insurance pays to replace your personal property when it’s stolen, or when it’s been damaged by fire, smoke, vandalism, natural disasters, or plumbing leaks. Condo insurance covers your property even if it’s stolen or damaged at a location other than your condo. Standard condo association insurance covers your interior walls, carpets, and ceiling.

To determine how much property coverage you need, take an inventory of your personal property and use the total value as your insurance amount

Your Assets

Condo insurance pays for another person’s bodily injury medical bills and property damage bills when you or your family are found to be at fault. It also pays for your legal fees.

You should have enough liability insurance to cover all your assets – savings accounts, CDs, stocks, bonds, etc. – in case a lawsuit is filed against you.

How to Get Cheap Florida Condo Insurance

In order to get the best price on Florida condo insurance you need to get quotes from a number of insurance companies. You can do this quickly and easily by visiting an insurance comparison website.

Insurance comparison websites work with large insurance companies who bid for you insurance business. At one of these sites you fill out a simple questionnaire with information about your condo and the type of insurance you want, then you receive quotes that you can compare.

The better insurance comparison sites have an articles section where you can get money-saving tips, and a chat feature where you can talk with an insurance professional so you can ask questions and get insurance advice (see link below.)

Before you visit one of these sites, check with your condominium association to find out what they cover, and have your current condo insurance policy handy to help answer any questions on the site’s questionnaire. As you fill in the questionnaire make sure to request the highest deductible you can afford, and all the discounts you’re eligible for, in order to get the cheapest quote.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get cheap Florida insurance quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

Source by ryan@thesatellitetvguide.com

Does the progressive insurance female creep you out?
Sure creeps me out! at first i liked the commercials, but immediately they are kinda creepy no, but the guy that runs it, Peter Lewis, does, he and George Soros are at the rear every radical left movement contained by this country. Hell yes. Especially the drawn in sharpie eyeliner. The…

Does the Progressive insurance woman freak you out, too?
She freaks me out! I dunno what it is about her… I think I’ve have bad dreams over her. What is your opinion? I see her on tv adjectives the time, now she is on the advertising box underneath my email alerts…everywhere I step there she is, even on picture…

Flo the Progressive Insurance Girl or William Shatner?
Flo, shees hawt. aghh neither! but if i had to.. william shatner capt kirk. Flo. Flo Shatner’s makeup is still too alarming to me Spock. neither ! <yep i said it > unless you meant most annoying next id say flo

Flo the progressive insurance girl….?
am i crazy or is it ok to think she is hot?!! my wife thinks im crazy! dude your not crazy.. she is hot… she have that retro pin up look and awesome commercial personality. i just saw a commercial and wondered if here were pictures of her… dude. maybe we are crazy.. lol You’re not…

Geico or Progressive Car Insurance?
Which company is better? Go to www.progressive.com and seize a quote. Then click on the button for “get quotes from other companies”. Usually Geico will be cheaper. I had Progressive for awhile. They are great beside customer service (you actually get to cooperate to a person) and usually have good prices….

Guys merely… Would you hit the progressive insurance girl?
Hit it and won’t quit it. uhh..no, she’s old i would thump that. lol. She looks like a obedient assfuck. Source(s): That’s all I’m saying…. If I could use a steel bat. Oh linger, you’re talking about sex..Yeah, afterwards no. >.> lmfao yes Flo is soooooo…

Has anyone be contained by an happenstance when the human being at mistake be next to the horrible Progressive insurance?
Hell yes. This insurance company is one of the worst insurance companys out in that. Thy dont invesgat nothing, thy just speak oh well we wont pay. This company sucks big time, RUN ,DONT WALK AWAYFROM THIS JERKS Source(s):…

Has anyone else have a problem beside Progressive Insurance?
So I got into a car chance. First they tell me that I have to thieve my car to a particular body shop, which I know they can’t do because it’s private. So when I choose the body shop I want to use, they give me a hard time in…

How can I trademark a behind time transfer of funds on my progressive insurance?
The insurance is under my dads name but he have been out of the state for about 6 months, so i be making the payments. Now i missed it a couple weeks ago and i wont let me pay online! Are they even going to permit me…

How did progressive Insurance switch your hit and run valise?
Or do you know someone who was involved in a hit and run fluke and had progressive insurance? Do you think that police or the insurance company would try to find the shake that bump into my car? What are the chances they would arrest someone with the…

How difficult is it for a unknown independent insurance agent to receive an appointment frm Progressive Insurance?
I’m in the process of starting a new independent insurance agency and realize I can be in motion through a broker at the cost of a portion of my commissions, I was told on this board in days gone by that Progressive might be…

How do i email a progressive insurance member of staff?
what is the ‘standard’ example. john.smith(a)progessive.com john_smith(a)progressive.com smith_john(a)progressive.com or is it net You best bet is to call them and ask for their email address. Or name anyone else at Progressive and ask them if there is a standard format. Also, is it…

How does Progressive insurance digit out torment and suffering?
Many people 2, 3 , or even 4 times medical. But Really does any have experience next to Progressive how do thet come to a figure? Do you know if they use a sofware program like Colosal? Nope, that 2, 3, 4 rule, is Not True. Progressive information, based on state…

How does progressive, surrounded by Cincinnati, handle the insurance claim (on hit and run incident surrounded by a privaparking lo?
Will my premium go up if the other car isn’t identified? I do enjoy a comprehensive coverage on my car. Instead of getting peoples guesses.Call them. Comprehensive coverage would not cover this. That coverage is for things…

How long does it embezzle to grasp proof of Insurance from Progressive Direct?
I’m planning on buying my first car in the subsequent few weeks and have been browsing potential insurers. Progressive Direct seem to be the cheapest, but I’ll need proof of insurance in command to switch the title when I buy the used car. I just am wondering if…

How much does an insurance agent at progressive clear?
My wife and I want a job there becuase we hear it pays good. We live in Manhattan. We want a errand near there. OK, do you want to be an insurance agent and flog insurance, as an appointed agent,…

How much does progressive charge to put in a 3rd personage who is 19 years behind the times to their insurance policy?
Maybe nothing, depending on the other drivers that are already listed on the policy. No one here could possibly provide you an answer. Do you mean how much will it cost parents to add their 19-year-old to their…

How much will my Progressive saloon insurance increase if I attach a 93 Camaro for my 16 year older?
Any idea where I can find this info? Any estimates? Progressive has a network site and a telephone number. Duh. 1. You can go on Progressives website and do the quote yourself on your own policy. 2. Call Progressive…

How rugged is it to drop motorcycle insurance and pick up another insurer. Dropping progressive, getting geico.?
i originally got a quote from geico that was high than progressive, however i recently spoke with geico again and they can immediately beat progressive for me since i am a home owner. in any satchel i have only have insurance with progressive for…

How will a “Failure to conform a posted traffic sign” affect my Progressive insurance surrounded by Pennsylvania?
Are there points associated with that betrayal? Will my insurance go up? This is my first speeding ticket. Other than this, I have a verbs driving record. Go to school, get rid of the points No. It’s a no-points ticket, and the officer…

I call for driving directions for the progressive insurance claim service center located contained by Indianapolis, Indiana?
use google earth Source(s): www.googleearth.com use the google site Source(s): www.googleearth.com why don’t you call them, they usually come to you 1-8OO-888-7764 dont know none sorry try msn maps or maps.com in recent times a tip later go to yellowpages.com…

I call progressive insurance and asked for a written policy, the agent told me here is no written policy?
AM I GETTING SHAFTED? he told me that [as a progressive branch manager] he cannot give me progressive’s policy because it’s considered progressive’s private property. and that there is no written policy on the subject of my case. *he told me…

I cant find a insurance co. call progressive county nuteral out of mabank texas anywhere?
i was in a motor wreck and the man who hit me would not give me any of his car insu. info the officer who took the report told me the companys cross and his policy number . i cant find progressive county nuteral…

I enjoy progressive insurance?
i was in a stroke of luck, i dont want to use one of their referrels to fix my car becasue my deductible is 500 are tehy going to right teh check to me or to the people i choose. I own never been in a wreck so this is adjectives new to me. It is…

I get contained by a coup¨¦ chance it be their blemish..Progressive is in attendance insurance..they want me to SETTLE?
i told them i couldn’t settle cause the chiropracter said i have significant blight to my neck and lower back and i will hold at least 30 days of therapy.They said they take-home pay for car..insurance bills..then agony and suffering…what do you…

I hold a discount for my saloon insurance does progressive embezzle it or and how does it work…its from drivers ed?
You need to call your insurance and find out how to report the class to them. The class doesnt merely get reported. I am an agent for Progressive and they do not offer a discount for drivers ed….

I own info just about a fraudulent claim against Progressive Insurance Co. Who should I contact?
The person is claiming neck and put money on injuries but continues to secretly do physical work and has told me that some of her injuries be from a previous accident. Who should I contact? The insurance fraud department of Progressive. Progressive Source(s):…

I own question going on for Progressive insurance.?
My room mates added me on there 6 month insurance policy and when they added me they told me I have to pay over lap fees from not have insurance since april. I already paid my bank the over nouns fees of not having insurance but my roomies are my friends so I…

If Don’t Hate and I be contained by a bitter dispute over The Progressive Insurance Girl?
Who’s side would you be on Poll: Cardinal’s or Steelers i think she’s hot. x) Ummm… yours, I don’t think Flo is DH’s type; but pack a lunch cuz DH is no sissy, she will pinch you down man!! Just like the…

If I report a claim for a latest windshield will my insurance premuim budge up? I hold progressive direct.?
NO! Winshields topple under “comprehensive” coverage! If you have windshield coverage it will be free unless you enjoy a deductible.Call your insurance they will instruct you as what you can do No. Glass related damage is covered by your…

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Source by insurancefaq

Insurance is a must. Especially, so for professionals who are working as a freelancer. Freelance insurance protects the freelance workers with financial coverage against any unforeseen event or legal claims made by business clients regarding their negligence or fallible advice. If the freelance workers are duly equipped with freelance insurance, they can lead their lives peacefully and without any mental stress.

The professional indemnity insurance is one of the important coverage of freelance insurance. It protects the freelancers against any kind of legal liability regarding the losses their customers or clients suffer as a consequence of their negligent advice. The risk coverage of the freelance professional indemnity insurance is classified according to the nature of the work of the concerned freelance worker. It is as per the fundamental requirements of the job that the freelance insurance is thus obtained.

Freelance workers can also opt for some additional coverage that include protection against the beach of warranty, intellectual property, cost of contracts, as well as security and personal injury. It is to be noted though that the insurance will cover only those events that take place while the policy opted for is active.

The freelance professional indemnity insurance is essential in professions, such as accountancy, computer and management consultancy, nursing, design, medical practitioners, pharmacy, publishing engineering, law and the financial services as these are susceptible to negligence and overlooking of minute details.

While you opt for this kind of insurance, make sure that the policy comes with retroactive cover. With the help of this retroactive cover, you will get coverage not only for the claims that can arise in the coming years but also get coverage against those claims that pertain to your decision and work back till the date when you commenced your trading.

The professional indemnity insurance for freelance workers actually works on the claim basis. So, when there is cease trading, taking of a permanent job or retirement, it is quite wise to buy run-off cover for a year at least. All the freelance insurance related queries can be well cleared by contacting the information bureaus of the concerned state.

Source by Roberto Luongo

When shopping for insurance, most people want to find the best policy for their needs at the best price. But which insurance is the cheapest and will it provide for your family? We’ll examine the best way to shop for inexpensive life insurance.

Most people who are looking for a low cost life insurance should go with a term life insurance policy. This is by far the cheapest type of insurance. The reason is that you are paying only for the insurance. There are no hidden fees and costs as with other types of insurance. There are certainly commissions paid to the agent who sells you the policy, but they are generally much lower than with a whole life policy for example.

When you buy a term policy, you are purchasing a benefit of some amount, say $100,000 for a fixed amount of time, for example twenty years. So if you as the insured person die within that time, your beneficiary will receive $100,000, the face value of the policy. Should you live beyond the time the policy is in effect, your beneficiary will receive no money as your policy will no longer be in effect.

When you purchase term insurance, you have a choice of getting either a level term or annually renewable policy. The premium, the amount you pay to the insurance company each year, stays the same with a level term policy. So on a twenty year policy for example, if you pay $500 the first year, you will still be paying $500 on the twentieth year; the premium remains the same each year.

However for an annually renewable policy, the amount of the premium will go up as you get older. Typically an annually renewable policy will be lower in the early years of the policy, but it will get more expensive as you get older. For example instead of paying $500 per year as in our level term example above, you might only pay $300 the first year. But on the twentieth year, instead of paying just $500, you might be paying $900.

For most people, a level term policy makes the most sense since there are no surprises when your premium jumps in price and as such you are less likely to cancel the policy because of a big price hike.

There are many insurance comparison sites on the web will allow you to price compare different policies. Keep in mind that the prices you see on the web sites are rarely the prices you will actually pay. The insurance companies like to show you teaser rates to entice you to call or click, but when it comes time to actually price your plan, there are invariably health or age issues that will bump up the cost of your premium.

Source by Brian Higdon

Let us define variable life insurance, also referred to as Variable Appreciable life insurance. It is a form of whole life insurance that provides the beneficiary of the plan with permanent protection. This type of policy is termed “variable” because of the root nature of the monies used to fund the policy. This plan allows the holder to set aside a certain sum of money to be invested in equity funds, money market funds, bond funds, or any combination of the said funds. These investments, just like any other form of monetary investment, will fluctuate with the movement of the market and the stock exchange. Therefore, the value of this policy will be determined by the set value of the uninvested monies plus the value of the monies invested in the market.

Many variable life insurance policies allow for a hold on the value of the policy. This hold ensures that the total value of the policy will not fall below a certain amount. This amount on hold only pertains to the death benefit and has nothing to do with the total cash value of the policy. The cash value of the policy, which is the amount of money the holder can draw upon during their lifetime, will have no cash minimum.

The Benefits of a Variable Life Insurance Policy

This insurance policy allows the holder to invest untaxed monies. These monies will remain untaxed until the life insurance policy is used. Potentially, any monies earned by the investments can be used to lower the premiums on the life insurance policy.

The Potential Hazards of a Variable Life Insurance Policy

This type of life insurance policy holds a certain amount of risk. As with any monetary investment, the cash value is not guaranteed. Thus, gambling with the cash value of the variable life insurance policy can render the policy worthless aside from the guaranteed death benefit. The death benefits as stated when the holder begins the policy may also be reduced. Variable life insurance companies will offer a guaranteed death benefit, but this amount may be significantly lower than the amount obtained at the inception of the policy.

This is a policy which holds the potential for great gains but you can also stand the chance of losing the overall value of the death benefit to the point of a minimum value as we define the variable life insurance policy.

Source by Maria Mbura

For a small treatment, we spend lots of money to get cure from the sickness or disease. This can be a decision making reason for owning health insurance. But is it possible today to purchase health cover because of higher premium rates? Take a look…..

In the current economy, the household things are going up to costly each year, then how can impact remain for financial product like health insurance? Today, health insurance premiums are rising much faster and the peoples income are very lower compared to current premiums rates. This situation keeps many people on hold not to afford health cover.

You might asks yourself why health insurance premium increasing fast. There are many factors to consider that why health insurance cost increases each year? The main factors for accounting for rising costs includes increase in pharmaceutical expenses, expensive new technologies, increase in aging population for health care and increased consumer demands for health care facility. The insurance companies are affected by these dramatic increases, and they increase premium costs. Besides of this, the premium costs also determined by the persons medical condition and required health care in the future.

Another things are to notice, so many patients demand more tests or medical facilities even when facts would show they are unnecessary. This issue insurance companies takes very seriously. With rising health care cost, it puts more burden on the insurance company. Peoples also asks to their doctors for more latest and high cost drugs. Theses things for premium keeps getting more expensive, because the insured person used more and better health care each year.

These rapid increases premiums aren’t sustainable for the peoples, because of this the people can not afford higher cost for the insurance. But, doing some favorable activities on the internet, the one can make lower the premium rates.

Source by Habibulla Antule

Thousands of manufactured homeowners who didn’t have insurance lost everything they owned when Katrina struck. Don’t let that happen to you. Here’s how to get cheap manufactured homeowners insurance so you’ll be protected.

What Manufactured Homeowners Insurance Covers

Manufactured homeowners insurance includes the following coverages:

* It pays to repair or replace your manufactured home when it’s been damaged by vandalism, fire, smoke, burst water pipes, or acts of nature. It also covers your garage, storage shed, and other unattached buildings.

* It pays to replace your personal belongings such as clothes, appliances, furniture, electronics, and tools, when they’ve been damaged by fire, vandalism, burst water pipes, smoke, or acts of nature.

* It pays for the additional living expenses you may incur, such as hotel, motel, and restaurant bills, when your home is being repaired and you need to live elsewhere.

* It pays your legal fees, court costs, and court-awarded damages when you’re held liable for injuring someone.

* It pays for damages to your mobile home if those damages occur when it’s being driven to a new location.

Types of Manufactured Homeowners Coverage

There are two types of mobile home coverage:

1. Cash value coverage which pays to repair or replace your home minus a deduction for depreciation.

2. Replacement cost coverage which pays to repair or replace your home without any deduction for depreciation.

Getting Cheap Manufactured Homeowners Insurance

The best way to get cheap manufactured homeowners insurance is to comparison shop. And the easiest way to do that is to visit an insurance comparison website where you can compare rates from a number of companies and pick the cheapest one (see link below).

To lower your insurance rate even further make sure you get the highest deductible you can afford, and get all the discounts you’re eligible for. Some common discounts include:

* A discount for having a newer manufactured home

* A discount for having security devices – burglar alarms, dead-bolt locks

* A discount for having safety devices – smoke detectors, fire extinguisher

* A discount for having your auto and manufactured home insurance with the same company

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get manufactured homeowners insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

Source by ryan@thesatellitetvguide.com

Have you any idea what the voracity of health insurance is in this country. Well its massive, and you wonder why your premiums are so high. There are many to blame and whoever they are they are crooks. Health insurance fraud committed by people that are looking to make some kind of fake claim and collect from the insurance company for these claims. This takes all kinds, it could be a doctor, individuals and even companies.

Here are a few ways many insurance fraud schemes can actually take place. An attorney can be working with a medical staff employee. The attorney can file the false report and the insurance company will pay an individual for payoff. Doctors can make false treatments for patients and send business to there contact do the treatment and get paid on it with the doctors office getting a kickback. Even writing prescription to sell to street dealers.

Patients also commit health insurance fraud. One, by making false claims about an illnesses that does not exist. Another is If you are not completely truthful when you fill out your application or paperwork on questions regarding your health this can be a form of fraud. It wont be a problem until its time to pay a claim and then the insurance company investigates.

Some of the biggest scams are created by insurance companies themselves. This is huge in the industry and it take lots of organization. They will start a business sometimes not even licensed to sell in the state they are in and start collecting premiums with the intention on never paying on any of the claims. If you were hurt or severely injured and the hospital files the claim the company may deny the claim. You will be responsible for paying it in the long run. You will try and deal with them and they will drag it out and most people will get frustrated after lots of time goes by and ether not bother with it or cancel there policy at some point.

There are so many ways that companies and people are cashing in on fraud and the dollar amount each year is astronomical. As long as there are people who are willing to risk prison time with a bit of greed there will be fraud. Remember to answer all your questions truthfully and be honest about you health or you might be liable for fraud.

Source by Ethan Kalvin

Many people want to read the consumer reports auto insurance review to help them find the best rate and policy for them. Quite simply, there are so many auto insurance companies out there today, it can be a challenge to find the right one for you. Whether you want info on Progressive Auto Insurance, Geiko, Saga, AIG, etc, you can find a review of them with consumer reports. Here are some tips to help you find the best company available without breaking the bank.

First of all, the most important thing you could ever do is to shop around for your auto insurance. Just because a particular company is popular, and even if they have a good reputation, this doesn’t necessarily make them the best option for you.

Remember, everybody’s situation is different; therefore, you could actually end up paying more with one company than you would another, while one of your friends may have saved money with the other firm.

Your individual situation will go a long way towards determining how much money you will pay for your auto insurance rate. There are many different factors that can affect the bottom line price. Here are some tips to help you spot the best offerings available for you.

(1) When first looking at a particular auto insurance company, first discover if your current insurance firm gives out multifamily and/or multi-policy discounts. Also, focus on firms that offer insurance to a group or association with which you are involved.

(2) Driving as little as necessary will also help you to save cash, because you are at less risk of an accident and therefore expensive car repair. The car insurance accident statistics are one of the biggest things that any company will consider before insuring you, so the less you drive, the less you will pay.

(3) Your driving record is very important to the final rate you will pay. The less accidents or traffic tickets you’ve received, the better. Obviously, there isn’t anything you can do about the past, but shoring up your current driving habits will certainly help you now and in the future.

(4) If you own a common or inexpensive car with a low crime rate, and also by dwelling in a safe area, will dramatically lower the price you are forced to pay. Obviously, the less risk your car is at for being stolen, the better insurance rate you will receive.

If, however, you own a higher profile car (one that’s more likely to be stolen) and can’t do anything about your living situation, then you might think about purchasing safety appliances for your auto, such as alarms, air bags, automatic seatbelts, etc. these will help you pay a reduced rate.

(5) Refraining from using your car for business purposes will help you save money on your car insurance price.

While there are certainly other factors that will make a difference in your auto insurance rate, these are the most essential. The better you rate with each of these categories will go a long way to determining the final amount you will pay for your insurance.

Remember, price certainly isn’t the only option, although it can be important. Do your research, check the consumer reports auto insurance reviews, and find the best company for you based on how you measure up with these variables.

Source by Josh Neumann