INSURANCE

Over 50s life insurance

noreply@blogger.com (Nasir) — Thu, 26 Apr 2012 04:05:00 -0700

Over 50s life insurance

None of us likes to think about getting older, but while some things improve with age, life insurance premiums are definitely not one of them.

As you get closer to retirement, the life insurers assess you as a higher risk to them because, quite frankly, there is a greater chance that they will be paying out on the policy sooner than they would if you were in your 30s. Yet life expectancy has improved significantly in the last 50 years, thanks to advances in medical science and for many of us, better diets.

Specific policies for the over 50s are designed to take into account that you are older and may have had some problems, including health problems, in earlier years. They also have some add-ons that are particularly useful for the over 50s age group.

Advantages of over 50s life insurance

Over 50s life insurance is sold as a whole of life policy – it will cover you until you die, unlike the term policies that are available which will only cover you if you die within a specific period of time while the policy is in force.

There is the option of getting a standard term assurance policy, which will cover you if you die within a specific amount of time, but this will not necessarily have the benefits available to you that you would get from the over 50s life cover policy.

These policies will give you some additional benefits that are not offered within general policies that can be taken out by people of any age. For example, many policies will offer guaranteed acceptance, which can be a blessing if you have had any health issues. You can also get policies without answering medical questions, or divulging your medical history.

Over 50s life insurance can also have fixed premiums, so you do not have to worry about the policy getting more expensive as you get older. But this will mean your payout will not rise in line with inflation either, so it could leave your family worse off.

They often also offer funeral benefits which will provide at least some money to help cover the cost of your funeral. Given that the cost of funerals has now soared to more than £7,000, according to research from Sun Life Direct, any help is welcome.

You may also get free life cover after you reach 90 years of age, depending on the life insurer. However, you must check the terms and conditions carefully. Some insurers will only pay out if you die from an accident in the first couple of year, as the insurer does not want to encourage those who have an existing condition to take out a policy that is then claimed on immediately. Check the terms and conditions to see how long this period lasts, and only sign up to a policy you are happy with.

payment protection insurance

noreply@blogger.com (Nasir) — Wed, 25 Apr 2012 02:52:00 -0700

Understanding payment protection insurance

If you have debt repayments or other regular commitments that you would struggle to meet if you lost your job or couldn't work for health reasons, then taking out payment protection insurance (PPI) could be a sensible financial decision.

A PPI policy will usually agree to help you meet repayments for a fixed period, usually 12 months, in the event that you fall ill, have an accident, or become unemployed through no fault of your own, depending on your policy.

Policies vary but most will agree to help you meet the monthly repayments of a loan or to repay a fixed percentage of your income each month.

This kind of product is often referred to as accident, sickness and unemployment insurance, which is a wider umbrella term that also includes mortgage payment protection insurance (MPPI) and payment protection insurance.

PPI mis-selling

While this type of product can provide valuable peace of mind, due to widespread mis-selling in the past, there has been some extremely negative publicity surrounding PPI.

Many lenders were found to have been selling PPI to borrowers who did not actually qualify for the payouts, for example, because they were not in work at the time. Some people complained that they had been pressured into paying a vast amount of money for their policies.

Because of that, some people who could really benefit from this type of protection may have been put off.

However, if you're worried about how you might manage to repay an outstanding debt or other regular commitments if you were unable to work then this could well be a useful product to consider. You just need to be sure you have the right cover in place. PPI providers have now agreed to a minimum set of standards that they will adhere to, giving you peace of mind.

Buying PPI alongside a loan

When you take out a loan, credit card or store credit agreement, you may well be offered PPI cover alongside the debt. However, that may not be the most appropriate cover for you and it's unlikely to be the best price. In fact, the Competition Commission and the Financial Service Authority (FSA) have decided to ban this type of sale of PPI from April 2012.

It is not compulsory to take on such protection alongside your agreement and it isn't allowed to affect the lender's willingness to offer you credit. So, you may prefer to compare PPI cover online instead and find a policy you're really happy with.

Taking the time to shop around can save you money and help you find a more inclusive policy.

However, if you do decide to accept PPI from the lender, make sure you read all the information carefully, so you understand how long it lasts and what's excluded. If you're at all unclear, ask the salesperson to explain it in detail.

Things to consider with a PPI policy

With any insurance policy, it's important to carefully read the policy documents so that you know exactly what is covered and what is not. You don't want to rely on cover only to find out too late that your particular circumstances are excluded.

Be aware that PPI will usually only pay out for a fixed period, often around a year. It can also take up to a few months of unemployment or sick leave before your payments kick in, so you should also aim to have savings in place to cover that period or be prepared to pay slightly more for a 'Back to Day 1' policy.

Some policies require you to have been in continuous employment with the same company for a fixed period before you qualify, so double check if that's the case for you.

Finally, many policies will not protect against certain issues, such as stress - even if you are forced to take time off work. If you've had a certain illness before and it reoccurs, the insurer may consider that to be a pre-existing condition, meaning you wouldn't be protected for that condition.

Also, if you know redundancy is on the cards before you take out cover, you won't be eligible to claim.

Is PPI always right for you?

There are other financial products that can protect against a loss of income and payment protection insurance may not always be the most appropriate.

For example, depending on your circumstances, it may be more appropriate to consider income protection, critical illness cover or a life assurance policy, that would pay out to cover your wider living costs in the event you became unwell (income protection), seriously ill (critical illness cover) or died (life assurance)

Caravan Insurance

noreply@blogger.com (Nasir) — Wed, 25 Apr 2012 02:47:00 -0700

Caravan Insurance

If you own, or are looking to buy a caravan, motorhome or similar, it is important to make sure you are covered for a variety of eventualities when it comes to choosing a caravan insurance policy.
Purchasing caravan cover needn't be difficult, please browse our list of insurers below to help you find a policy to meet your requirements and give you peace of mind in the process.

Why Do I Need Caravan Insurance?

As with any other vehicle on the roads, you'll need to ensure you have cover in place for your caravan or motor home to comply with UK laws and regulations.
Should you be involved in an accident where you damage the vehicle of a 3rd party, you could find yourself liable for the cost of repair and compensation. Similarly, if your caravan is damaged in the process, then you'd have to foot the bill for repair, or replacement in the case of it being written off.
Caravan insurance can help in this situation, as it provides financial recompense in the event of such incidents, giving you peace of mind and saving you money.

What Cover Options Are There?

Caravan insurance is usually split into 3 main categories: Touring caravan, static caravan and trailer tent/folding camper. Motor home insurance is also offered by many of the same insurers and features similar cover.
Let's take a brief look at each category to help you understand what is included:
Touring caravan insurance: Covers you for a caravan towed behind your vehicle and usually features new for old replacement, 3rd party/public liability cover, contents & equipment, European cover and a variety of differing covers depending on each insurer.
Static caravan insurance: Provides cover for a caravan that is located in a fixed place such as a caravan site or holiday park. Cover is similar to that of touring caravan insurance but you will usually find that you are not covered to use the caravan as a permanent place of residence.
Trailer tent insurance: Covers you for a trailer tent or folding camper that is pulled behind your vehicle. Typical cover is similar to touring caravan but with the common exclusions being, vermin/mildew damage and theft of personal possessions.
Motor home insurance: You will usually find that this provides similar cover to a touring caravan policy in most aspects but is similar to car insurance in structure. You should be able to choose between 3rd party only cover, 3rd party fire and theft, and fully comprehensive cover.

Guide to Caravan Insurance

To find out more about insurance for your caravan, motor home or trailer tent, please visit our guide to caravan insurance which contains top tips and advice to help you find the right policy.
Alternatively, to search for cheap cover for your caravan, why not visit one of the insurers in the directory above to get a caravan insurance quote.

Important Information

Please read the following information about our service and print copies for your own records.

Motorbike Insurance Quotes

noreply@blogger.com (Nasir) — Tue, 24 Apr 2012 04:46:00 -0700

Take advantage of our bike insurance guides

Are you struggling to find a cheap motorbike insurance policy? Then read our informative motorcycle insurance guide which gives details on how you can find a low cost bike insurance deal which meets your own personal requirements. Our guides show you how to select the correct policy and could help you get a cheaper motorcycle insurance deal.

Motorbike Insurance Guide

Whether you chose to invest in a classic Triumph, enjoy a cruise through the city on a nifty Scooter or drive your Ducati on the open road you need to make sure your bike insurance covers you for every eventuality.
The recent hike in fuel costs coupled with an increase in premiums for motorbike insurance has led to higher expenses in running your vehicle. Premiums have increased as insurers endeavor to recover their costs of uninsured drivers, and it seems advisable to research the motorcycle insurance market for quotes to ensure you get the best value deal on your policy. At Money Super market.com, we provide the specialist tools and aim to help you find the best bike insurance quotes without wasting time.
With the introduction of the new CIE legislation you will be liable for a fine if you do not insure your bike with the minimum of a third party insurance cover unless you have made a Statutory Off-Road Notification (SORN) which declares your vehicle as off-road. Exceptions to this new law are if the vehicle has been recorded as sold, stolen and not recovered, scrapped or in between registered owners.

How to get the best bike insurance deal

To get the best motorcycle insurance deal, it is a good idea to plan ahead and find out what type as well as the level of cover you need before you compare the policies available on the market. There are three kinds of motorbike insurance policy type available in the UK which are fully comprehensive, third party and third party, fire and theft.
The level of bike insurance you chose will depend on the how much you are willing to pay. If you chose a motorcycle insurance that will fully protect you for any type of eventuality then it will inevitably cost you more than an insurance policy which offers the basic minimum cover.
Fully comprehensive insurance: Fully comprehensive motorbike insurance is the most expensive level of insurance cover since this cover provides protection for damage to the bike, property and yourself even if the liability for damage lies with you. It is worth noting that with this type of cover even though it offers a higher level of protection, it may not cover you for every eventuality which can include if your vehicle breakdowns.
Third party cover: Third party motorcycle insurance is the least expensive of the three levels of bike insurance and is the basic minimum cover allowed by UK law. Third party motorcycle insurance is available at a cheap cost which can be useful if you don’t have the cash to pay for a greater level of cover or if the motorbike which you insure is not worth a lot of money.
In comparison to fully comprehensive insurance, this policy will pay out for any damage to the victim who is involved in the accident. However, you will be liable for the costs of replacing or fixing your motorbike in the event of damage to your bike in an accident or theft of your vehicle.
As this level of cover is the cheapest bike insurance and only provides the absolute basic minimum of protection, it could be advisable to opt for a higher level of motorcycle insurance such as fully comprehensive or third party, fire and theft to minimize your risk.
Third party fire and theft: Third party, fire and theft bike insurance is the next policy level up from third party bike insurance and offers you protection if your motorbike is stolen or damaged in a fire. This type of insurance covers you in the event of an accident that was your responsibility. You will be covered for the damage you caused to another vehicle, their property, or if they are injured as a result and need to pay for medical treatment. For peace of mind when leaving your bike unattended, this level of cover will also protect you from theft.
With this level of motorbike insurance, it is worth noting that if your bike is stolen then the insurer will expect you to pay out the first amount of any claim you place. This is known as your excess and if the present value your bike is nearly the same amount as your excess then you may not need to pay for the extra cover. As with all levels of bike insurance you will be expected to pay out for the initial part of your claim.
When you are shopping around using the price comparison site to compare quotes, it is possible to improve your level of cover without it costing you too much. It is also important that you consider there are different types of motorbike insurances available on the market. Money Supermarket.com acknowledges that you may need an individual policy to suit your particular needs.

Specialist bike insurance cover

Our team at Money Supermarket.com offers specialist comparison pages so that our customers stand the best chance of finding a deal which is directly applicable to their situation. The kind of specialist bike insurance areas our channel covers includes:

Motorbike insurance for women

Women are statistically safer riding on two wheels than their male counterparts and less likely to be involved in an accident which results in minimal risk to the motorcycle insurance provider and hence cheap insurance premiums.
As a woman if you chose to take an advanced training qualification then this will allow you to save extra money on the total cost of your premiums. Before you surf our Money Supermarket.com price comparison site for cheap quotes and the best value cover, it is worth reading up about motorbike insurance for women on our dedicated page.

Motorbike insurance for young riders

You can chose to ride a moped at the age of 16 in the UK and as a young person this can provide a more affordable means of transport. Statistics show that as a younger rider, you are more likely to be involved in an accident which will result in a claim.
Motorbike insurance for young riders under-25s therefore tend to be higher than for older, experienced riders and it pays to compare specialist insurance companies and quotes where you could pick up a cheap deal to ensure your personal safety on the roads. To cut the costs of your premiums some insurance companies may reduce their premiums if you have taken an additional accredited rider’s training qualification.

What if I have points on my license?

If you have any previous motoring of fences or convictions then by using an insurer that specializes in motorbike insurance for convicted riders could slash the costs of your premiums in comparison to taking out a policy with a standard insurance company.
When applying for a bike insurance policy, providers will ask you to disclose any previous motoring convictions including any history of car offenses which you may have incurred. It could pay to shop around for quotes from insurers who specialist in this area to reduce your premiums and on a comparison site; you could save time and cut your costs.

Classic bike insurance

If you have chosen to invest in a classic Triumph or a Harley Davidson model then by using a classic bike insurance specialist could dramatically lower your premiums. If you have paid out a hefty sum for your classic two wheels then it could pay to adequately protect your investment. Specialist classic bike insurance companies tend to view classic motorbikes as less prone to theft due to the difficulty in selling them on. Classic owners tend to be viewed by specialist providers as light users who are more likely to use their bikes to exhibit at shows or socially as opposed to everyday use.
Spare parts may be more expensive for certain types of models and the higher premium price may reflect this accordingly. The criteria of what qualifies a bike to be classed as a classic may vary from company to company so it is worth bearing this in mind as you compare quotes.

Scooter insurance

As a Scooter owner, you may have chosen to invest in this model due to the savings on fuel costs, the use of a lighter engine, exemption from congestion charges and cheaper running costs. Many cheap deals from standard motorcycle insurance providers do not offer the specialist bike insurance that as a Scooter owner you may need to cover your specific requirements.
Premiums tend to be lower than standard motorbike insurance as Scooters cost less to fix, have cheaper spare parts to replace if a claim is placed. At Money supermarket.com, we have scoured the market in an attempt to offer you the best value scooter insurance deals on our comparison site.

Moped insurance

With a moped being the lightest model of road vehicle your premiums will be considerably lower than a standard motorbike due to cheaper repair costs, and a specialist moped insurance provider can cater to your individual policy needs.
Classed as a less powerful road vehicle, specialist providers can offer cheap deals for all levels of cover. Specialist moped insurance companies will take into account the type of moped you own, how the rider’s needs differ from those of a motorbike owner and whether you have a classic or modified model. At Money supermarket.com, we will aim to provide you with some of the most comprehensive and competitive moped insurance deals available on the market.

Additional cover

On all levels of insurance, there are a number of additional bike insurance add-ons and extras that you can pay for to include in your policy to ensure you are fully protected. You should be aware that some of these may be included by your chosen insurer at no extra cost, so it is worth re-checking your policy for any duplication. It is important to note that exclusions within your motorbike insurance can sometimes prevent you from placing an insurance claim.
If you chose to purchase bike insurance add-ons then you should be aware that these will increase the price of your premiums. Additional add-ons may include motorcycle breakdown cover with roadside assistance, personal accident to compensate you for loss of wages and medical fees, and legal expenses which can cover you against the cost of expenses incurred in the event of a road accident.
Once you have decided upon the level and coverage you require then you can use a comparison site to shop online and compare cheap quotes for the type of motorbike insurance you need.

Factors that affect the price you pay

Different key factors can affect your motorcycle insurance quotes and the cost of your premiums. Before deciding on which policy you should know what could affect the price of the bike insurance you chose to take out.
Bike insurance providers will take into account your age as this can present a risk if you are under 25 and your profession because if your occupation is as a sportsman then your premiums may be higher. Other factors include your gender as a woman rider presents a safer rider in comparison to a male counterpart and this can lower your premiums. Where you live can be factored into consideration by insurers as busy areas could increase the risk of an accident and present a higher risk to insurers. Some postcodes in the UK have higher premiums than other areas due to the increase in traffic or crime rates within the area.
If you have made a claim in the past five years or have unspent motor convictions then your insurance premiums will be higher. Bike insurance companies will consider the model and make of your bike when evaluating your application to determine your premiums. If your motorbike has a powerful engine then insurers consider it likely to be a higher risk of being involved in an accident as higher speeds can be achieved on the road. The higher the value of the bike then the more it could cost the motorcycle insurance company to replace or repair. Both these factors can increase your insurance premiums.
Other elements which bike insurance companies use to calculate your premium price are the frequency in which you ride your bike as an increased mileage can result in a higher risk in the event of an accident. The security of your bike is a consideration by insurers when calculating your premiums. Your insurer will also want you disclose named riders prior to assessing quotes for your cover.

Tips to keep costs down

In order to get cheap quotes from your bike insurance provider there are a number of essential tips which Money supermarket.com offers to help you secure the best value deal. You can reduce the cost of your insurance premiums by shopping around on our comparison site to compare the best quotes for the type of cover you want.
Other ways to lower your premiums from your bike insurance company are to consider reducing the yearly mileage on your bike by using it only on social occasions rather than commuting. If you are considering purchasing a motorbike then it could pay to invest in a cheaper model with a lower spec which will reduce the cost of your cover as it will be cheap for the insurer to repair or replace.
To reduce your premiums further it is advisable to invest in anti-theft measures such as security locks to apply to your motorbike. Immobilisers and bike locks purchased from accredited companies or by securing your motorcycle in a locked garage you will stand a much better chance of finding cheap bike insurance quotes.
It is worth bearing in mind if you decide to add a named driver as this can increase your premiums if the driver is younger, male or a learner rider. By investing in an additional, accredited training course could cut the cost of your motorcycle insurance premiums. If you opt for paying for a higher voluntary excess this could also lower the cost of your cover as would choosing to pay yearly installments as opposed to monthly payments.
In the event of an accident where your repairs or parts are lower than your excess then it makes sense for you to pay rather than file a claim and push up the cost of premiums.
It pays for you to remain alert to the bike insurance provider’s small print when you compare quotes. At Money supermarket.com, we aim to help to make you an easy rider by providing you with a wide range of insurers that can offer you competitive quotes and the best-value comparison deals on the market today.
For more ideas on how to keep costs down, take advantage of our bike insurance money saving tips page.

Making a claim

If you file a claim with your bike insurance provider it should be straight forward but there are several key points you should consider. You need to inform the police immediately if you consider that your claim could be a criminal matter such as if your bike was involved in an accident where a party was injured or if your bike was vandalized or stolen and make a written note of the crime reference number. If you can then you should take photographs of the event and take notes on your location to support your claim when you file it with your insurer.
Make certain that you obtain written proof if possible of what has happened and note down contact and insurance details of all parties involved in the event of an accident or any witnesses. You should then contact your motorbike insurance company to report this matter and enquirer whether they require further information or have additional advice on what you have to do.
Your claim report details should remain consistent with your bike insurance company and the police. You must keep records of the phone calls, the person you are speaking with and any other details during the progression of your claim.
Do not take your motorcycle to get repaired at the garage of your choice as it is highly unlikely you will be able to claim any costs back as your insurer will usually have a particular garage in mind within your area that handles their claims. You should wait until the bike insurance company gives you authorization to carry out repairs and check your policy to see if you could be entitled to a courtesy motorbike.

Landlords Insurance

noreply@blogger.com (Nasir) — Tue, 24 Apr 2012 04:22:00 -0700

The importance of landlords insurance

As a landlord, a simple home insurance policy will not offer the level of coverage you need. Your investment will need specialist cover to protect both the structure and the rental income you will earn from being a landlord.
moneysupermarket.com has teamed up with a number of landlords insurance providers to help protect your investment from the unexpected. With additional extras such as public liability insurance and legal expenses cover available, you will never have to worry about the pitfalls of being a landlord.

Main features of a landlord insurance policy

A cheap landlord insurance policy is within reach for many, however simply opting for the cheapest policy can sometimes prove to be a false economy. You need to pick a policy that is right for you and your investment.
A simple landlords insurance policy will cover only the basics. With additional extras you can protect so much more. Public liability insurance, rent guarantee insurance, legal expenses cover and more are available at an addition cost.

The advantages of landlord insurance

As with any insurance, it is there to protect you from the unexpected. There are many pitfalls that are associated with being a landlord such as tenants refusing to pay rent, taking tenants to court, structural or contents damage and many more.
With the right landlord insurance policy at your side, your life in the buy to let market will be made much easier and you will have the piece of mind knowing that your investment and your income from the property is in safe hands.

Guide to landlord insurance

Finding a cheap landlord insurance policy is one thing, however finding the right policy for your properties and your own individual needs can be a little more difficult. Take a look at our landlord insurance guide to make sure your policy covers all the bases.

Important Information

Please read the following information about our service and print copies for your own records.

Home Appliance Warranty

noreply@blogger.com (Nasir) — Thu, 19 Apr 2012 21:45:00 -0700

Can you imagine life without a fridge freezer or a washing machine? Most modern homes rely on a range of household items to get through each day, but what happens if something goes wrong - and things can go wrong. Who hasn't come home to find lights flashing ominously on the dishwasher, or water seeping out of the washing machine?

If your appliance breaks down within one year, it is usually covered by the manufacturer's guarantee, so you should not have to pay for any repairs or replacement.
But what if the breakdown occurs in the second or third year? You might not be able to function without your fridge, but could you afford to pay for any repairs? It can be expensive to fix a household appliance - think of the cost of call out, parts and labor. And if you have to buy a new tumble dryer or television, the bill could run into hundreds of pounds or more.

What is an extended warranty?

An extended warranty is a type of insurance policy that covers your household appliances beyond the manufacturer's guarantee. If, for example, your washing machine breaks down due to a mechanical or electrical failure, the home appliance warranty will pay for repairs or a replacement.

Extended warranties do not usually cover accidental damage. There might also be restrictions on the age and value of a single item. Warranty Direct, for example, covers appliances up to eight years old, with a single item limit of £2000. You can often insure more than one appliance on the same policy, though the more appliances the bigger the premium.

Where can I buy a home appliances warranty?

Many people are persuaded to buy an extended warranty for their home appliances by the retailer at the point of sale. But you do not have to buy a warranty from the retailer - and you can often find cheaper cover if you shop around for competitive quotes.

Money Supermarket has teamed up with Warranty Direct, the UK's leading warranty firm, to offer Money Supermarket customers comprehensive cover for their household appliances.

A multy appliance warranty allows you to insure up to eight appliances of your choice on one policy. And it doesn't have to blow the budget. You can cover two household appliances for about £10 a month, which isn't a lot to pay for peace of mind.

Simply visit Warranty Direct here to see how much you could save. A no obligation quote is free, quick and easy.

Home Protection Plan vs. Homeowner Insurance

noreply@blogger.com (Nasir) — Thu, 19 Apr 2012 21:38:00 -0700

No matter how hard we all try to prevent it, the appliances and home system components around our homes eventually break down. We'll help you get it repaired or replaced by a qualified service contractor.

Home Protection Plan vs. Homeowner Insurance
A home protection plan is simple. It's a one year service contract that covers the repair or replacement of many of the home system components and appliances that typically break down over time.

Homeowner or hazard insurance covers private homes. This type of policy combines various personal insurance protections, which can include losses occurring to one's home and its contents.
To put it more plainly, unlike homeowners insurance, a home protection plan covers your major systems and appliances when they break down.
For more information about our plans, use the links the below:

Home Appliances Insurance

noreply@blogger.com (Nasir) — Thu, 19 Apr 2012 21:35:00 -0700

Plans and Pricing

Our home protection plans provide confidence that if a covered item breaks, you may not feel the sudden pinch that comes with appliance and system repairs or replacements - not to mention the stress that comes with finding a qualified service contractor. You just get the confidence that comes with knowing that you've covered this one in advance.

Here are a few key things to remember:

You do not pay for the actual repair or replacement cost for covered items.
Your contract will cover repairs or replacements of covered items, regardless of age, make, or model.

Combo Plan
This plan provides coverage for many of the primary systems and appliances in your home. You will also save an average of $14 a month over purchasing the Appliances plan and the Systems plan separately.

Systems:

Air Conditioning, including ductwork
Heating, including ductwork
Electrical
Plumbing
Water Heaters
Garbage Disposals
Instant Hot/Cold Water Dispensers
Central Vacuums
Smoke Detectors
Doorbells
Ceiling Fans

Appliances:

Refrigerators
Dishwashers
Clothes Dryers
Clothes Washers
Ranges/Ovens/Cooktops
Built-In Microwave Ovens
Free-standing Ice Makers
Trash Compactors
Garage Door Openers
Built-In Food Processors

Build Your Own Plan
Customize coverage to meet your needs with this flexible option. Simply select 10 or more items from our list of covered items in your home and get the coverage that is most important to you, without paying for protection you might not need.

Systems Plan
Who wants to deal with faulty plumbing or an a/c unit on the fritz. This plan covers the replacement or repair of the components of these key home systems.

Air Conditioning, including ductwork
Heating, including ductwork
Electrical
Plumbing
Water Heaters
Garbage Disposals
Instant Hot/Cold Water Dispensers
Central Vacuums
Smoke Detectors
Doorbells
Ceiling Fans

Appliances
You know better than anyone the kind of toll your appliances take from everyday use. Choose this plan to cover the repair or replacement of all of these:

Refrigerators
Dishwashers
Clothes Dryers
Clothes Washers
Ranges/Ovens/Cooktops
Built-In Microwave Ovens
Free-standing Ice Makers
Trash Compactors
Garage Door Openers
Built-In Food Processors

Optional Add-Ons
Didn't see something specific on the lists above? Don't worry. You can always add coverage for each of the following to your plan (additional cost per item):

Pool/Spa
Water Softener
Well Pump
Septic Pumping

Trade Service Call Fee
For your convenience, we offer multiple options with 4 coverage plans and 3 trade service call fee levels:
$75 $100 $125
That way you can choose the right combination for your home and budget. You can also build your own plan customized to your specific needs.
Average repair costs
Don't worry; this isn't what you'll need to pay when something breaks and you have a home protection plan. This is just a simple summary of the average replacement and repair costs for some of the most common items found in your home.

Household Item	Replacement Costs*	Repair Costs*
Clothes Dryer	$646	$88
Clothes Washer	$571	$98
Dishwasher	$502	$171
Oven/Range	$706	$170
Refrigerator	$1,088	$209
Air Conditioner	$2,390	$332
Furnace	$2,442	$316
Water Heater	$767	$140
Main Electrical Panel	$651	$210

Prices reflect national average.

Jewellary Insurance

noreply@blogger.com (Nasir) — Wed, 18 Apr 2012 02:15:00 -0700

Jewellery Insurance

What is Jewellery Insurance?

The insurance is specifically designed around the risk of the piece, although most personal lines products covers this in the market today, it does appear that these pieces are added to your normal day to day all risk cover with the exact same limitations and excess. One can not equally compare a designer jewellery piece to a set of golf clubs for example.

Who needs Jewellery Insurance?

Any and all people who have existing jewellery pieces. If are in the market of obtaining or purchasing jewellery from engagement to wedding bands to necklaces to earrings, you will need this cover. You will need this cover if you own any completed manufactured jewellery or designer jewellery with the exception of raw materials, gems or gold bars.

Why should you take out Jewellery Insurance?

Any completed manufactured jewellery or designer jewellery (except for raw materials such as gold bars and gems) does not only have its own value but also has its own personal value. Should an incident arise where your priced designer pieces are damaged or stolen, one would prefer the claim to be handled and settled in the most professional manner.

How much does Jewellery Insurance cost?

The cost implications for the absolute cover and piece of mind depends on the individual jewellery pieces. The rates are calculated on the value which is accompanied by the valuation certificates.

Typical claims incurred on Jewellery Insurance

The most common and expensive claims are in accidental damages as well as where pieces have been stolen either in a house roberry or in a hi-jacking (normally the unfortunate clients have been forced to surrender all the jewellery they have on them.)

Jewelers Mutual Personal Jewelry Insurance Program

Purchasing jewelry insurance doesn’t have to be complicated. With Jewelers Mutual Insurance Company, you can get your jewelry insurance quote instantly and apply immediately.

White flash has arranged for Jewelers Mutual to provide information about the benefits of jewelry insurance.

About Jewelers Mutual Insurance Company

Established in 1913
A+ Superior rating from A.M. Best Company
$3 billion of individuals’ personal jewelry insured
GIA Graduate Gemologists on staff
Exclusively endorsed by the American Gem Society and Jewelers of America
Dedicated to preventing jewelry theft with loss prevention education

Expect superior service

When you call Jewelers Mutual, you’ll speak directly to one of our customer service representatives, each of whom is a licensed insurance agent who specializes in jewelry insurance. What’s more, we have both GIA Graduate Gemologists and American Gem Society Certified Sales Associates on site to answer your specific questions about jewelry insurance.

Take advantage of Jewelers Mutual Insurance Company’s trusted experts. They can offer you free advice about preventing losses and caring for your jewelry, as well as answer any general questions you may have about jewelry insurance.

Jewelers Mutual offers jewelry insurance for many types of jewelry, including items you might find on Whiteflash, such as diamond engagement rings and wedding bands, diamond earrings, diamond bracelets and pendants.

COVERAGES FOR HOTEL & MOTEL INSURANCE

noreply@blogger.com (Nasir) — Fri, 23 Dec 2011 01:51:00 -0800

Insurance for your hotel

that treats you just as well as you treat your customers.

Your job is based around taking care of other people and making sure they have an excellent experience while staying on your property. Our job is taking care of you and making sure your insurance coverage protects your hotel or motel from the hazards unique to your industry. Hospitality Insurance Agency brings you 100 plus combined years of experience to give you insurance coverage that will serve your hotel or motel well. As a true member of your team, we’ll make sure you understand exactly what you need, and then we’ll get it for you. It’s so easy, you might just feel like you’re on vacation.

KEY AVAILABLE COVERAGES FOR HOTEL & MOTEL INSURANCE

Property Coverage for Hotels and Motels

Blanket/Agreed Amount Options
Business Income
Ordinance or Law Coverage
Data Processing Equipment/Media

- Newly Acquired Equipment

- Newly Acquired Data/Media

- Duplicate Data and Media
- Computer Virus Extraction Expense

Utility Services
Flood and Earthquake
Outdoor Property
Appurtenant Buildings and Structures
Electronic Vandalism Sub-limit
Equipment Breakdown

Auto Coverage for Hotels and Motels

Liability and Physical Damage
Scheduled Rated
Rental Reimbursement
Business Auto Coverage Extension

- Broad Form Named Insured

- Blanket Waiver of Subrogation

- Employees as Insureds

- Hired Car — Worldwide Coverage

- Unintentional Errors and Omissions

General Liability Insurance for Hotels and Motels

Premises/Operations and Products Completed Operations
Limited Worldwide Coverage

Industry-Specific Coverage for Hotels and Motels

Hospitality Errors and Omissions
Personal Grooming Services Liability
Guest’s Property
Restaurant Wine Stock Endorsement

Workers Compensation Insurance for Hotels and Motels

Combining state-of-the-art technology with co-located claim and medical professionals. Highlights include:

- Extensive Preferred Provider Networks with a presence in all 50 states

- Pharmacy Network

- Focus on Early Intervention

- Medical Case Management

- Return-to-Work Programs

- Medical Cost Containment

Umbrella/Excess Liability Insurance for Hotels and Motels

Providing excess layers of protection over your liability coverages
Flexible and substantial limits capacity
Built-in coverages including:

- Worldwide Territory

- Insured Status for Employed Health Professionals

- Follow Form Fellow Employee Coverage

Crime Insurance for Hotels and Motels

Employee Dishonesty
Forgery and Alteration
Theft, Disappearance and Destruction
Robbery and Safe Burglary
Computer Fraud
Kidnap & Ransom
Identity Fraud Expense Reimbursement

Management Liability Insurance for Hotels and Motels

Employment Practices Liability

- Protection against employee lawsuits alleging discrimination, sexual harassment and more.

- Broad definition of Wrongful Employment Practice

- Broad definition of Insured
Risk Management Service for Employment Practices

- Directors and Officers Liability

- Protection against shareholder and creditor lawsuits

- Worldwide Coverage

- Broad definition of Wrongful Acts

- General Partnership Liability Coverage available
Fiduciary Liability

- Protection against ERISA lawsuits alleging breach of fiduciary duty

- Definition of Insured includes pension and welfare plan trustees

- IRS and Department of Labor (DOL) voluntary settlement program coverage

Internet Liability Insurance for Hotels and Motels

Internet Liability coverage that can be designed to protect against the following wrongful acts:

- Failure to protect private or confidential information of others from unauthorized access on or through the Internet

- Failure to prevent the transmission of a computer virus to authorized users of the insured’s Web site on or through the Internet

- Failure to provide access to authorized users of the insured’s Web site on or through the Internet

- Infringement of copyright, trademark, trade name, or service mark, but only in the insured’s material on or through the Internet

Hotel Insurance

noreply@blogger.com (Nasir) — Fri, 23 Dec 2011 01:33:00 -0800

Obtaining a hotel insurance quote is one of the main considerations before you start running your hotel business. Insurance for a hotel should be one of your most important business considerations to ensure adequate protection for your livelihood. If you are running a hotel of what ever size or description, you will certainly need a range of insurance policies to protect your business. The good news is that, most of these covers can now be purchased under a 'Hoteliers Combined' insurance contract. A modern hotel insurance policy will cover various different contingencies and will be arranged in different sections.

The insurer issuing the policy will require a certain number of minimum sections to be purchased. Whilst many of these sections will be a matter of personal choice and budget, some will be compulsory to enable you to trade legally. If you have any employees, you will need employers liability insurance as this is a requirement of the Employers Liability Protection Act 1969. If you have purchased the building of your hotel on a mortgage or other type of bank loan, then the lender will want you to effect building insurance, with their name mention on the policy, thus protecting their interest. When starting any new business, cash flow is a major consideration and there may be a tendency to cut down on the number of sections of the hotel Insurance policy taken out to make it as cheap as possible.

However, if you are to fully protect your business, it's worth while taking a moment to fully understand each section of the policy and what it has to offer in terms of protection for your hotel business. As mention above, most policies are now arranged on a package basis as is the norm with business insurance polices, this makes them easier to administer for both the policyholder and the insurer, if you are looking for a cheap hotel insurance policy with a wide variety of covers, buying on this basis could help to keep the cost down. Briefly, the sections covered on a hotels insurance policy, will include the following:-

1) Hotels Insurance for Buildings - if you own the property, insuring the hotel buildings will be one of the core necessary policy sections for you. If you have a mortgage on the property, the lenders will probably want their interest noted on the schedule and will provide you with a list of perils that must be included under the cover. You will need to provide an accurate sum insured for rebuilding costs, your lender may be able to help you with this, particularly if they carried out a survey on the premises. If they didn't, then you should obtain professional help, it's not worth having a guess at it which could end up having some severe consequences. It is essential that this sum insured is adequate for your needs as it is the maximum amount that the insurance company will pay and in some cases, if the sum insured is not adequate, compensation for an incident may be reduced. The building sum insured should also include all the fixtures and fittings, walls, fences & gates and the piping & cabling belonging to the hotel or for which it is responsible. The perils insured are fairly similar to a standard building insurance policy although there is no section for loss of rent or alternative accommodation. If you are an owner occupier, then you will need to effect the business interruption section of the policy to protect you against loss of income following an insured event. If you are a landlord, looking for buildings insurance, that has been rented to a hotelier, then you should be able to include loss of rent cover but the building may be better covered under a different form of policy.

2) Stock, Trade Contents & Tenants Improvements - this section of the policy will cover you against material damage from a wide range of hotels insurance perils, such as fires, floods thefts etc. The three sections are as follows; Stock, which is defined as stock and materials in trade ( such as foods or foods to be prepared, wines & spirits etc) or stock which is being held in trust for which you are responsible. Contents relates to all contents within the hotel, such as tables, chairs, beds, including machinery & plant, equipment, fittings, frontage & signs & blinds. In many cases, where the hotel is rented from a landlord, the proprietor will be responsible for signs & glass etc as the insurers of the building may not cover them. Glass in the property, should be included in the glass section of the policy, again in you rent your hotel, you may be responsible to insure the glass. Tenants improvements relate to any improvements and internal decorations which are your responsibility or which you own, again this applies if you are renting the hotel from a landlord. The range of perils is quite wide, but with regard to damage to Stock, 'spoilage' can be covered to refrigerated stock in another section of the policy. Before requesting your quotation, you may need to spend some time calculating the replacement amounts of the above as these figurers will be required by the insurers in order to calculate a premium.

3) Business Interruption (Loss of Income) - this a very important section of the hotels insurance policy and one that is sometimes overlooked by many persons buying insurance, especially if it is being sold on a non package basis or it may be an optional add on. In essence, this section of the hotel insurance policy will cover you in the event of a loss occurring at your property that interrupts your trade, resulting in a loss of income for you. Whilst the above sections will cover you for material property damage, it is this section of the policy that will protect your livelihood, whilst the insurance company are reinstating your property. In many cases, particularly following a serious event, it may not possible to run your business for several months which could result in a loss of bookings, especially if the loss occurs within your peak season. In other cases, you may be able to keep trading but with a smaller turnover. There are a number of ways of calculating a sum insured for this section of the policy. The easiest way is if the insurance company selects a sum insured for you, in most cases, this is a sum far in excess of what is actually needed and is ideal for a small business. For larger concerns, insurers may want to know the gross profit of the business and they will base there premium on this amount.A simple way to calculate gross profit for a business is as follows: Sales (turnover) + Closing Stock - Purchases & Opening Stock . So if you turnover over £250000 per annum (the amount you take in return for accommodation, food beverages etc) and at the end of your twelve month trading period you have £1000 stock remaining you subtract the amount you have spent on buying your stock say £50000 and the stock you had at the start of the year ( say £2000). This will give you a gross profit of £199,000. This is probably the safest way of calculating gross profit as it leaves in the equation, fixed costs that may or may not reduce in the event of a serious loss. You can insure for a period of up to 12 months but this sometimes can be extended for up to 36 months. There are some useful extensions to this section which include: denial of access ( in case you are effected by a problem occurring in the vicinity of your property, which prevents access to your hotel premises) murder, disease or public health closure, or failure of public utilities.

4) Loss of Money - business money can be covered under the policy and there are usually pre set limits on the policy which you may have the option to extend. Money will be covered on the premises and in transit to the bank. One notable exclusion is theft from unattended motor vehicles, any theft by employees must be reported with in seven days of the occurrence. The insurance company will usually choose the sum insured for you. In most cases, this is perfectly adequate although larger concerns will need to consider the amounts on offer carefully.

Restaurant Insurance

noreply@blogger.com (Nasir) — Wed, 21 Dec 2011 01:44:00 -0800

Great insurance for restaurants is as important to the future of your business as an irresistible menu and good customer reviews. But if your policy is outdated or inadequate, you could be risking everything. As your business changes, so too should your insurance. New equipment, new locations, new services — they can all impact your coverage. If a fire destroys your kitchen, or a customer slips and falls, will your insurance help keep your doors open?

We know that thinking about your restaurant insurance is probably on the back burner. So Nationwide makes it easy for you. We understand your risks and challenges, and will help create the policy you need so you can stay focused on the food with insurance for restaurants.

A recipe for the perfect restaurant insurance quote

Nationwide’s Premier Businessowners Policy (BOP) for restaurants includes essential insurance ingredients such as business property insurance and business general liability insurance. Additional coverage options can then be added to your policy to match your specific needs. From sushi to salad bars, we’ll help you get the coverage you want.

Options for customized insurance for restaurants

Because restaurants vary dramatically depending on size, location and style, your businessowner’s policy may be customized with affordable options, such as:

Liquor Liability Coverage
Food Contamination Coverage
Equipment Breakdown Coverage
Business Income Coverage
Business Umbrella Insurance

Restaurant insurance choices

Chances are good you have questions about the insurance you need. Here are more details about restaurant coverage, and why Nationwide is such a smart choice for protecting your business.

Let’s face it, accidents in restaurants happen. Most commonly an employee might slip and fall, but that is why most restaurants require non-slip soles for waiters, waitresses, and the rest of the house. But what about the people who visit your restaurant in stiletto heels or worse, wheel-bottomed Heelys?

Customer slip and fall accidents have been on the rise in many restaurants across the United States. Kurt Leisure, director of risk management for the Cheesecake Factory based in Calabasas, California, believes customer accidents should be more carefully watched by everyone working in the restaurant.

"I think it is important that restaurant companies empower their employees with the idea that a slip-or-fall hazard is everybody's problem, not just the servers' or managers'. But everybody in the front-of-the-house has a stake in it,”says Leisure.

Some tips Leisure has put in place at the Cheesecake Factory restaurants could be useful in others as well.

Keep collapsible wet floor signs hidden on the restaurant floor behind plants and other fixtures, so if a sudden spill occurs, the sign can be grabbed quickly making customers and other employees aware of the hazard.
If there is a wet spot or spill and no sign near, have a manager or hostess stand over the spot until a busser is notified and can make the area safe.
Make a system. Inform your staff any time there is a spill how to go about taking care of it and keeping the customers safe and your co-workers safe.

Employee slips and falls can easily be eliminated says Leisure. "The key is that you've got to have a slip-resistant shoe program, and it has to be rolled out correctly. It's the No. 1 defense against employee injury,” says Leisure as he has reduced the amount of slips and falls by 87% among the chain.”

Cuts, burns, and scrapes are the most common California workers compensation claims reported since they generally cause missed work based on the injury. Perhaps surprisingly, the cause of such happenings are usually related to slipping and falling and trying to catch yourself on the way down.

Making sure your employees are safe is important; keeping your customers safe should be a priority. Having the correct workers compensation plan in your business is important, but having general liability insurance in the case that a customer is injured should be a main concern as well.

Cattles Insurance

noreply@blogger.com (Nasir) — Thu, 15 Dec 2011 21:43:00 -0800

Feedlot Cattle Insurance Provides coverage for livestock in open air or pastures from an array of perils. True Peace of Mind Protection A true livestock producer doesn’t consider their cattle as "contents." So why should their insurance? Our coverages specifically protect valuable livestock for an array of perils, including:
Fire and Lightning/Smoke Windstorm, Hurricane, Cyclone and/or Tornado Hail Explosion, Riots or Riot Attending Strike, Civil Commotion Falling Aircraft and Objects Falling from Aircraft	Collapse of Bridges or Culverts Accidental Shooting (except by the insured, livestock owner or their employees) Drowning / Electrocution Attack by Wild Dogs Building Collapse Collision with a Vehicle Smothering
Features That Put You Out Front We offer the flexibility you need to tailor a program that fits each insured’s situation: Easily accommodates both feedlot and pasture cattle - on a single policy Pays for losses at current market value – at time of loss Provides annual or monthly reporting Offers flexible deductibles Covers extensions available for contaminated feed and measles

Option	What It Covers / Provides	Special Notes
IAG Feedlot Cattle Coverage Options
Contaminated Feed	Provides coverage for animal deaths caused by consumption of tainted feedstuffs	Separate deductibles and loss procedures apply to this endorsement
Coverage in Transit	Fills coverage gaps for operations requiring transportation of cattle from one listed location to another	Can be written on a limited cause of loss or broad form
Freezing Coverage for Feedlot Cattle	Covers feedlot cattle in the event of death due to freezing precipitation	Separate deductibles and loss procedures apply to this endorsement
Mortgage & Stolen Liability Coverage	Protects insureds if they ever unknowingly buy or sell mortgaged or stolen livestock	Separate deductibles and loss procedures apply to this endorsement

Horses Insurance

noreply@blogger.com (Nasir) — Thu, 15 Dec 2011 21:39:00 -0800

LIVESTOCK MORTALITY/THEFT The Livestock Mortality/Theft policy is a Life Insurance policy for your horse(s) or cattle, with the insured as beneficiary. It is an "All Risk" policy which will cover death, theft and humane destruction, subject to certain exclusions which are stated in the policy. We will pay the actual value of the horse at the time of the accident or illness causing its death, not exceeding the value specified in the schedule. If your horse is sick or injured before the policy expires and you have reported this to us, we will extend your mortality coverage for an additional 12 months should the horse die within that time from the same cause. If your horse is under 12 months old, 15 years or older, or valued over $100,000, a vet exam is required. Or vet exams may also be required at the underwriting companies request. We will issue a Livestock Mortality/Theft policy provided the insured's horse is in sound health at the inception of the policy. We also assume you will provide proper care and attention for the horse and that you will employ a licensed veternarian at your expense if the horse suffers any illness, disease, lameness, injury, accident or physical disability. In addition, if your horse dies, you are required to arrange and pay for an autopsy. Please note new endorsement coverages and limits available effective March 2010 under the FORMS tab, Equine Mortality Application, Page 2. Major Medical is now available for horses through the age of 20 years under the new endorsement coverage. COLIC ENDORSEMENT ($150 Per horse)* This endorsement covers colic treatment and surgery for horses 30 days old through the age of 20 years. There is a $250 deductible for each claim and a $10,000 limit per animal per year. Available for race horses.
SURGICAL ENDORSEMENT ($150 Per horse) Should your horse require surgery, this endorsement will cover the Surgical Procedures. We will pay reasonable and customary charges for surgical treatment, including anesthesia, necessitated by accident, illness or injury. There is a $250 deductible for each claim and a $10,000 limit per animal per year. Available for horses 30 days old through the age of 20 years. Certain exclusions apply, including race horses, castration and cattle.
$10,000 MAJOR MEDICAL ENDORSEMENT ($375 Per horse) This insurance reimburses for veterinarian's fees for surgery and major illnesses and disease. We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. There is a $250 deductible for each claim and a 30% coinsurance on diagnostics with a $10,000 limit per animal per year. This coverage will help control veterinarian expenses for unforseen events dealing with the health of your animal. Available for horses 30 days old through the age of 20 years. Not available for race horses or cattle. $15,000 MAJOR MEDICAL ENDORSEMENT ($475 Per horse) This insurance reimburses for veterinarian's fees for surgery and major illnesses and disease. We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. There is a $250 deductible for each claim and a 30% coinsurance on diagnostics with a $15,000 limit per animal per year. This coverage will help control veterinarian expenses for unforseen events dealing with the health of your animal. Available for horses 30 days old through the age of 20 years. Not available for race horses or cattle.
LOSS OF USE ENDORSEMENT (3.75% of insured value and requires the Major Medical or Surgical Endorsement) This coverage is available on Cutting, Reining and Show Horses valued between $25,000 and $500,000, 3 through 12 years of age, and is pending Underwriter approval. The Loss of Use will cover you if your horse becomes permanently incapable of fulfilling the functions for which it is used as stated on your policy but its condition does not necessitate destruction for humane reasons. If you purchase the Loss of Use endorsement we will pay you 70% of the insured value of the disabled horse. If you wish to keep the horse, we will pay you 50% of the horse's insured value.
ACCIDENT, SICKNESS AND DISEASE FERTILITY ENDORSEMENT (.5% of insured value) This endorsement will reimburse you the full value of your horse, between 1 to 14 years old, should he become permanently incapable of servicing a mare in foal due to specific accident, sickness or disease that occurs within the policy term. If a claim is paid under this coverage, the company does have the right to take possession and title of the horse. Certain exclusions apply, including congenital conditions

Forest Insurance

noreply@blogger.com (Nasir) — Wed, 14 Dec 2011 03:53:00 -0800

WoodlandCover provides forestry insurance tailored for the Irish market, North and South. Your forestry is a valuable asset. As with any investment there are some risks - especially fire and wind.

Protect your forestry asset from loss caused by fire or wind with forestry insurance from WoodlandCover. We also arrange public liability insurance for woodlands.

Our WoodlandCover group scheme is for owners, investors and woodland managers and provides for virtually all your forestry insurance needs.

We have over twenty five years of unrivalled forestry experience and the technical knowledge and market access to bring you appropriate insurance cover for your needs.

Risk evaluation and appropriate insurance cover are essential features of good forest management. We support this through arranging forestry insurance appropriate to the needs of Irish forestry. In Northern Ireland cover can be specified in Sterling.

Our clients include individual owners, farmers, investment portfolios and many forestry managers. Together with Willis and Aviva we bring international resources to the Irish market.

Farm Insurance

noreply@blogger.com (Nasir) — Wed, 14 Dec 2011 03:32:00 -0800

State Farm Insurance is a group of insurance and financial services companies in the United States. The company also has operations in Canada.

The group's main business is State Farm Mutual Automobile Insurance Company, a mutual insurance firm that also owns the other State Farm companies. The corporate headquarters are in Bloomington, Illinois.

State Farm is ranked 34th in the 2010 Fortune 500, which lists American companies by revenue. According to the Fortune Global 500, State Farm is also the world's largest mutual "P&C" (property & casualty insurance) firm. In October 2008, State Farm Insurance Companies in Canada was named one of Greater Toronto's Top Employers by Mediacorp Canada Inc., which was announced by the Toronto Star newspaper.

Home and Contents

Your Elders Farm Insurance Policy gives you the flexibility to choose from two types of cover:

Defined Events

This covers you for a nominated event such as:

Theft
Fire, smoke, lightning or explosion
Earthquake, storm or rainwater (excluding flood)
Malicious damage
Impact from falling trees, vehicles or aircraft
Breakage of fixed glass
Other events as listed in the policy

Accidental Damage

We cover you for accidental loss or damage to your Building and Contents subject to the specific exclusions outlined in the policy.

Farm Property Cover

Your policy covers:

Farm Buildings
Farm Contents
Mobile Machinery
Fixed Machinery
Hay, silage and grain
Fences
Wool
Livestock
Farm Business Interruption (Dairies)

In addition to Defined Events cover, on certain property types we provide Accidental Damage cover.

Vehicle Cover

The vehicle section of the policy gives you the flexibility of choice between three types of cover:

Comprehensive

Covers you for:

Theft of or damage to your vehicle
Liability

It also includes:

Flat rate premium, giving you the maximum 'Rating 1' discount
Optional windscreen cover

Third Party Property Damage - Fire & Theft

Fire and Theft cover
Liability cover
Uninsured Motorist benefit

Third Party Property Damage

Liability cover
Uninsured motorist benefit

Farm Liability cover

We cover your liability to pay compensation for Personal Injury and Property Damage which arises out of your farm business.

Other farm cover options

Other farm insurance options are also available, including cover for:

Personal Accident and Illness
Machinery Breakdown
Electronic Equipment
Transit
Working Dogs
Frozen Semen and Embryos
Theft
Tax Audit

Laptop insurance

noreply@blogger.com (Nasir) — Wed, 14 Dec 2011 03:06:00 -0800

Your laptop is important to you. As laptops get smaller and more powerful, you rely more and more on it to store music or do some work whilst commuting back and forth on the train. Many people have valuable information stored on their laptops but also they are still not cheap and as such, insurance cover is a smart choice to protect you against the risk of theft or damage.

With the UK arrival of the iPad in May 2010, some of the insurers below are also offering iPad Insurance to protect against damage to your new iPad.

Your laptop or iPad could be covered under your house insurance policy so do check your household insurance so that you are not covering items more than once. If your laptop is not covered, compare the market.com has done all the hard work for you. An excellent deal is just around the corner.

Everything you need to know about laptop & UltraBook insurance

When your laptop or your UltraBook has so many precious items on it, like all your photos, bookmarks and documents, it's a good idea to get it insured - just in case. Plus the cost of replacing your laptop is another important reason to make sure you're covered.

However, not all laptop or UltraBook insurance is the same. There's a huge range in price and quality when getting a quote online for insurance. The good news is that Protect your bubble's comprehensive laptop insurance policy takes into account the importance of price as well as quality, in terms of the protection it provides.

Here’s a bit more about our great value cover:

Accidental damage
If your laptop or Ultra Book is accidentally damaged, we’ll pay for the repair or replacement costs. So, if you spill coffee over your keyboard or drop it down the stairs, you don’t have to panic*. Or if you forget it’s in your bag and throw it down, it’s not the end of the world.
Theft
You can’t be too careful these days, so make sure you never leave your stuff unattended when you’re out and about. If the worst does happen though and your laptop is stolen, tell the police straightaway** and we’ll sort out a new one for you.
Breakdown
What would you do if your laptop or Ultra Book stopped working just as you were in the middle of some important work? Our laptop insurance includes electrical and mechanical breakdown cover, so if yours stops working or won’t switch on, we’ll fix it or replace it for you – so you can get on with what you need to do with as little hassle as possible.
Worldwide cover as standard
Whether something happens to your laptop in Barnet or Barbados, you’ll be protected against the costs of replacing or repairing your device wherever you go. So if you’re on your holidays, you can relax even more.
Great value cover
Our comprehensive laptop insurance offers better value than many of our competitors. So sign up today and you could be insured in a couple of minutes. After all, it could save you time and money later on. So sign up today .

Cell Phone insurance

noreply@blogger.com (Nasir) — Wed, 14 Dec 2011 02:47:00 -0800

You’ve finally settled on the perfect new cell phone with all the latest features. You’ve chosen the accessories and picked a service plan. Now the salesperson asks if you want to buy insurance to protect your purchase.

It’s only $4.99 a month and you’ll be covered if the phone is lost, drops in the toilet or is run over by a car. So you say yes. Did you make the right decision?

Your new phone comes with a manufacturer’s warranty. But that only covers equipment failure caused by a defect or malfunction. You’re out of luck if the phone is lost, stolen, or accidentally damaged.

Dwight Moore with Verizon Wireless, says customers like cell phone insurance because they know if something happens to their phone, they’ll quickly have a replacement. In most cases, he says, it will arrive overnight and will be“exactly the same or similar” to the one you had.

Why consumer groups don’t recommend it

“We think it’s almost always a waste of money,” says Consumer Reports Editor-At-Large Greg Daugherty.

“You can insure everygadget in your life if you want these days,” Daugherty says. “We think all this little insurance is just adding up to too much in many cases. People really ought to be focusing on the big risks.”

San Diego’s Utility Consumers’ Action Network (UCAN) also advises most consumers to skip cell phone insurance. UCAN’s Michael Shames tells me they get “lots of complaints” from people who did buy this coverage.

Some complain their replacement phone is used, what the industry calls “refurbished.” Others are surprised by the deductible, usually around $50.

Shames calls that “one of the dirty little secrets about phone insurance.”

Shames says insurance might make sense for some people — those who are prone to drop their phone, get it wet or somehow disable it. “It might be useful if you happen to work on building skyscrapers and you tend to drop your phone 30 or 40 stories,” he says.

It could also come in handy if you’re buying a high-end PDA phone that would cost you $500 or $600 to replace. Just remember, he says, “your replacement phone is likely used.”

An insurance nightmare

Justin Leavens, a businessman in Sherman Oaks, Calif., is one of those who complained to UCAN.

He purchased insurance coverage when he bought a fairly expensive phone from Verizon Wireless. “My cell phone is my lifeline,” he says. “So I couldn’t really be without it for more than a few days.”

Whenthe phone was damaged, Leavens filed a claim with the insurance company, Asurion, and was told he would have a replacement phone “the next day.” When it didn’t arrive, he called Asurion again and was told they didn’t have his phone in stock.His choices were: get on a waiting list or take a different phone that did not have the same features as the broken one.

Leavens says he suggested comparable phones that would make him happy, but the insurance company would not agree to that. He told them his local Verizon store had his phone. He offered to go pick one up ifthey would pay for it. Again, they said no.

“It really appeared like they were doing everything in their power to get out of paying for my cell phone,” he says.

Totally frustrated, Leavens went to the Verizon store and “basically begged for help.”

To make a very long story short, he says Verizon convinced the insurance company to pay for a new phone. Leavens picked it up right away, but he told me he had to wait 2-and-a-half months for his reimbursement check.

I made several requests for a comment from Asurion, but there was no response to my calls or emails.

The fine print

When it comes to insurance, it’s the actual policy that counts, not what you see in the colorful brochure or hear in the sales pitch. The policy is a contract between you and the insurance company, and these cell phone policies have numerous limitations and exclusions not spelled out in the sales material.

For instance, the policy for Cingular phones do not cover “normal wear and tear” or a cracked display “that does not affect the mechanical or electrical function of the unit.” And while the sales brochure promises, “a replacement is just a call away,” the policy is less generous. It says the company has the right to “repair or replace” the phone. That’s a big difference. And if they do send you a replacement, “colors, features and accessory compatibility are not guaranteed.”

Before making a decision, ask fora copy of the actual policy and see what it covers and what is excluded.

What should you do?

Say no to insurance cover ageat the sales counter. Take some time to think about this purchase. You don’t have to make an impulse decision in the store. Cingular gives you 30 days. Verizon Wireless customers have 15 days to decide.

Consider what you’re really buying. While the transaction takes place through your wireless company, you are actually buying the policy from an independent third-party. If your claim is rejected, the wireless company may not be able to help.

Cell phone insurance is not like homeowners or auto insurance. With these policies if you have a covered loss, you get money from the insurance company. With phone insurance you get merchandise — a phone — instead of money.

And consider this. You can go online and get some great deals on used cell phones. If you lose or damage yours, it may be cheaper to simply buy a new one out of your own pocket with the money you didn’t spend on insurance.

Taking action

A class action lawsuit filed in Miami claims the insurance companies selling this coverage are using “deceptive and outrageous” practices. The suit contends the refurbished phones people get are worth less than the original phones.

MSNBC.com has learned a preliminary settlement has been reached in this case and will be presented to the court later this week. If approved, the settlement would affect as many as 13 million people who bought cell phone insurance.

Beauty Policy

noreply@blogger.com (Nasir) — Fri, 2 Dec 2011 03:12:00 -0800

Just For Hair Policy – Insurance For Hairdressing Salons

Created by the experts with over 20 years experience of the hairdressing industry. The Salon Saver – Just For Hair insurance policy will give you real peace of mind knowing that you have the highest standard of cover and customer care.

Here are some of the benefits you will automatically get for your hairdressing salon with your Salon Saver policy.

Buildings, contents and stock
Generous seasonal stock increases
Public and Employers Liability cover (includes cover overseas and also includes injury to working partners)
Hairdressing and beauty treatment liability cover
Compensation for court attendance
24 hour Crisisline
24 hour Legal Helpline
Internal and external glass breakages
Business Interruption compensation – 24 months
Comprehensive money cover
Stock and contents in transit cover
Compensation for the replacement of stolen keys
Accidental failure of your telephone line
Accidental failure of your electric, water and gas supplies
Interest free monthly instalment payment option

A summary showing the main covers and exclusions is available on request as well as a policy document detailing the terms and conditions.

Just For Nails Policy – Insurance For Nail Salons

We have been insurance specialists to the hair and beauty industry for over 20 years, so we really understand the nail business. Salon Saver – Just For Nails can be tailored to suit your specific needs, so it’s the ideal insurance policy for you whether you have just one small nail studio or whether you own a group of nail salons. You’ll be surprised how low on cost this quality, peace of mind insurance cover can be. Ask us for a free, no obligation quotation and see for yourself!

Here is a brief summary of the covers you will automatically get for your nail salon with your Salon Saver – Just For Nails policy.

Buildings, contents and stock
Generous seasonal stock increases
Public and Employers Liability cover (includes cover overseas and also includes injury to working partners)
Nails treatment liability cover
Compensation for court attendance
24 hour Crisisline
24 hour Legal Helpline
Internal and external glass breakages
Business Interruption compensation – 24 months
Comprehensive money cover
Stock and contents in transit cover
Compensation for the replacement of stolen keys
Accidental failure of your telephone line
Accidental failure of your electric, water and gas supplies
Interest free monthly instalment payment option

A summary showing the main covers and exclusions is available on request as well as a policy document detailing the terms and conditions.

Just For Beauty policy – Insurance For Beauty Salons

We have been insurance specialists to the hair and beauty industry for over 20 years. We speak to beauty therapists every day and so we understand your business and what beauty treatments are about. Although hairdressing and beauty therapy are sometimes done in the same salon, they are of course very different professions. With this in mind, we have designed an insurance policy with a unique package of covers especially for beauty salons. Salon Saver – Just For Beauty can be tailored to suit your specific needs, so it’s the ideal policy for you whether you have just one small treatment room or whether you own a group of beauty salons. You’ll be surprised how low on cost this quality, peace of mind insurance cover can be. Ask us for a free, no obligation quotation and see for yourself!

Here are some of the benefits you will automatically get for your beauty salon with your Salon Saver – Just For Beauty policy.

Buildings, contents and stock
Generous seasonal stock increases
Public and Employers Liability cover (includes cover overseas and also includes injury to working partners)
Beauty treatment liability cover
Compensation for court attendance
24 hour Crisisline
24 hour Legal Helpline
Internal and external glass breakages
Business Interruption compensation – 24 months
Comprehensive money cover
Stock and contents in transit cover
Compensation for the replacement of stolen keys
Accidental failure of your telephone line
Accidental failure of your electric, water and gas supplies
Interest free monthly instalment payment option

A summary showing the main covers and exclusions is available on request as well as a policy document detailing the terms and conditions.

Salon Insurance You Can’t Afford To Be Without

Legal Minefield

We specialise in insurance for salons, hairdressers and beauty therapists. We are often asked for advice by our policyholders and so many of our clients keep asking us questions like:

What could I do if one of my stylists left and opened a salon down the road or offered my clients a private service?
Can I get help to pay my legal costs if I sacked a member of staff and they took me to the Industrial Tribunal?
What happens if I or one of my staff have to attend for jury service?

Did you know that only 1 in 14 million people win the National Lottery but your chances of facing an enquiry by The Inland Revenue is a staggering 1 in 33! You may be selected completely at random, but the cost of the enquiry could be expensive and you will have to pay it!

The Solution

We have created the SALON SAVER LEGAL EXPENSES POLICY especially for our policyholders, to help with these kinds of legal problems 24 hours a day, every day of the year. You will have instant access by phone to expert advice on any business legal problem. Our unique Legal Expenses insurance policy provides you with the cover to pay those professional costs and expenses that you may incur.

Insurance Protection

Some other matters that our clients become involved in and which we are frequently asked about include issues relating to contracts of employment, disputes with suppliers of goods or services, disputes with landlords, VAT assessments and Health & Safety. Please contact us for further information about the scope of cover and terms and conditions of the Salon Saver Legal Expenses insurance.

Summary

This is a brief summary of the policy. Full details are available on request.

What to do now - it couldn't be easier!

As a Salon Saver policyholder, we can start your policy straight away. Simply phone or email us and we'll do the rest.

You'll be surprised how little it can cost to have legal help and protection just a phone call away - can you afford not to be covered?

Beauty Salon Insurance

noreply@blogger.com (Nasir) — Fri, 2 Dec 2011 03:03:00 -0800

Well, we think it is and we’re not the only ones because 82% of our business comes from recommendations from satisfied clients.

We have specialised in insurance for beauty salons for over 25 years and no doubt you have already heard of Salon Gold – the largest insurance scheme in the UK for salons. We are pleased to be able to offer you a policy with a unique package of covers especially for beauty salons called Salon Gold – ‘Just for Beauty’

Our Just for Beauty insurance is equally suitable for all beauty salons – from a single treatment room through to corporate groups. So, whatever type of salon you have, you will find your policy surprisingly competitive on price and extremely simple to arrange.

When you’re covered by Salon Gold, you can be assured that you’ll get the highest quality insurance cover backed up by excellent ongoing customer care. Our beauty insurance advisers understand your business and speak your language.

In short, Salon Gold Just for Beauty insurance offers you maximum cover for the minimum cost.

Beauty Salon Insurance Cover Summary

Here is a brief overview of the covers you will automatically get with our Just for Beauty insurance policy. (If you would like a full summary of the policy cover, please call or email us.)


• “All Risks” cover for contents and stock		• Business Interruption compensation – 24 months

• Generous seasonal stock increases		• Comprehensive money cover

• Compensation for court attendance		• Stock and contents in transit cover

• 24 hour crisis line		• Compensation for the replacement of stolen keys

• 24 hour legal helpline		• Exhibition cover

• Internal and external glass breakages		• Interest free monthly instalment option

• Hairdressing and beauty treatment liability cover		• Accidental failure of your telephone line

• Public and Employers Liability cover (includes cover overseas and also includes injury to working partners)		• Accidental failure of your electric, water and gas supplies

POULTRY INSURANCE POLICY

noreply@blogger.com (Nasir) — Wed, 30 Nov 2011 02:29:00 -0800

If any poultry bird/s described in the schedule and belonging to the insured

shall die whilst within the geographical area specified in the schedule from any
disease or accident contracted or occurring after the commencement of the
companies liability hereunder then the company will pay or make good to the
insured, after receipt of proof of death satisfactory to the company, the loss
which the insured shall suffer by the death of such birds not exceeding the sum
insured in respect thereof as stated in the schedule hereto or its value as per
the guideline chart issued by the company at the time of loss whichever is less.
Provided always that this policy does not cover death directly or indirectly due
to, or arising out of or resulting from:
1) Malicious wilful injury, neglect, over crowding improper management or
unskilful treatment.
2) Transit by any mode of transport.
3) Culling undergrowth, cannibalism, action of predators like preying birds
and carnivorous animals.
4) Theft/clandestine sale, missing of birds, intentional slaughters.
5) Death during act of vaccination, debeaking.
6) Consequential loss however caused.
7) Permanent and partial disablement of any nature.
8) Loss of production.
9) War, invasion, act of foreign enemy, hostilities (whether war be declared
or not) civil war, rebellion, insurrection, mutiny, military or usurped
power or any consequences thereof or attempt threat.
10) Accident" loss destruction, damage or legal liability directly or indirectly
caused by or contributed by or arising from nuclear weapons materials.
11) Fowl Pox, Infections, Bronchitis, Fowl spirochetes and …… ….. …..,
(If the routine vaccination against these diseases as per attached
schedule is followed, the cover is extended).
12) Chronic Respiratory disease, Avian leucosis Complex ……. .
13) Salmonellas to be covered subject to submission of clean certificate from
Government authorities immediately after testing.
14) Coccidiosis and ………. disease to be covered subject to preventive and
curative measures.
15) Loss of huddling or piling of birds caused by high temperature or low
temperature during the process of breeding or not maintaining required
temperature during the process of growing of the birds in the cage of
sheds. Conditions:
1) If there shall be any incorrect or untrue statement in the proposal herein
referred to or if the insured shall not state any material fact or
circumstances at the time of proposals or afterwards, or at the
commencement of the risk hereunder or any alternation of this policy., or
on the insured making any claim hereunder or if he shall make any claim
hereunder or if he shall make any false or fraudulent claim, or shall fail in
any particular to observe and perform the terms and conditions hereof,
this policy shall be void, and all premiums paid hereon shall be forfeited to
the Company.
2) Every poultry bird must be sound and in perfect health and free from any
injury or disease at the time of proposal for insurance.
3) The insured shall permit any authorised representatives of the Company at
all times to inspect the poultry birds hereby insured and the premises of
the insured and the insured shall furnish any information which they may
require and shall comply with all reasonable regulations and directions
from time to time made and given by the Company.
4) The insured shall give notice in writing or on phone to the Company of any
death/ outbreak immediately preferably within 12 hours.
5) The insured shall cause every poultry bird insured to have sufficient and
proper feed, water, shelter and shall keep secure all fences, yards, shed
and shall at all times and to the best of his knowledge and ability, use and
exercise every due .and proper precaution and safeguard against loss or
danger of loss under this policy, the intent and meaning of this condition
being that each insured bird and shall have the same care and attention
as when not insured.
6) In the event of illness/ outbreak/ accident the insured shall, at his own
expense, immediately obtain the services of a qualified veterinary surgeon
and cause the poultry birds to be properly treated.
7) If, and when any claim under this policy is made, there is any other
insurance by whomsoever affected covering the same poultry birds, the
company shall contribute only its rateable/ proportion.
8) If death of the poultry birds, hereby insured will be due to the negligence,
carelessness or wrong doing of any person, the insured shall not claim or
accept any compensation from such person or persons, but shall at once
give the company all necessary information and assistance to enable the
company to secure such compensation and it shall be absolutely the right
of the Company to sue in the name of the insured and recover
compensation from the person or persons causing the death, and any
monies or other compensation which shall be recovered shall belong to the
company. The Company will indemnify the insured against all costs and
expenses so incurred with it written consent.
9) The Company may cancel this policy by sending seven day notice by
registered letter to the insured at his last known address and in such
event will return to the insured the premium less the pro-rata portion
thereof for the period the policy has been in force or the policy may be
cancelled at any time by the insured on seven days notice (provided no claim has arisen during the then current period of insurance and the
Insured shall be entitled to return of the premium at the Companies short
period rates for the time t he policy has been in force.
10) If any difference arises as to the amount of any loss or damage such
differences shall independently of all other questions be referred to the
decision of an Arbitrator, to be appointed in writing by the parties in
difference or if they cannot agree upon a single Arbitrator, 'to the decision
of two disinterested person's as Arbitrators, of whom one shall, be
appointed in writing by each of the parties within two months after having
been required so to do in writing by the other party in case either party
shall refuse' or fail to appoint an Arbitrator within two months after receipt
of notice in writing requiring an appointment, the other party shall be at
liberty to appoint a sole Arbitrator and in case of disagreement between the
Arbitrators, the difference shall be referred to the decision of an umpire
who shall have been appointed by them in writing before entering on the
reference and who shall sit with the Arbitrators and preside at their
meeting. The death of any party shall not revoke or affect the authority or
powers of the Arbitrator, Arbitrators or umpire respectively and in the
event of death of an Arbitrator, or umpire, another shall in each case be
appointed in his stead by the party or Arbitrator (as the case may be) by
whom the Arbitrator or umpire so dying was appointed. The cost of the
reference and of the award shall be at the discretion of the Arbitrator,
Arbitrators or umpire making the award. And it is hereby expressly
stipulated and declared that it shall be a condition precedent to any right
of action or suit upon this policy that the award by such Arbitrator,
Arbitrators or umpire of the amount of the loss or damage if disputed shall
be first obtained.
In no case, whatsoever, shall the company be liable for any loss or damage after
the expiration of twelve months from the happening of the loss or damage
unless the claim is the subject of pending action or arbitration.

Poultry Insurance

noreply@blogger.com (Nasir) — Wed, 30 Nov 2011 02:19:00 -0800

I. Scope and Features of the Scheme:
‘Poultry' refers to poultry units consisting of chicks/ hens/ cocks /ducks,
Turkeys, Quails and such other domesticated birds' reared for eggs and/or
meat.
It includes (a) layer birds (b) Broilers (c) Hatchery birds (Breeding Stock).
For the insurance purpose, Exotic bird means that whose parents are of
foreign breed either born in the country or abroad. A crossbred bird means
one, of whose parents, is of foreign breed.

II. Applicability:
(a) All birds in the farm should be covered.
(b) The Scheme is applicable to Poultry farms which consist of minimum
number of (i) Layer birds (ii) Broilers per batch iii) Breeding birds in
Hatchery

III. Age:
Layer birds - 1 day old to 72 weeks
Broilers - 1 day old to 8 weeks
Hatchery Birds - 1 day old to 72 weeks

IV. Premium rates:
Rates shall be fixed per bird for each of the following groups according to
each market’s conditions, mortality experience and facility of prompt
veterinary services:

(i) Layer birds
1 day old to 20 weeks
20 weeks to 72 weeks
(ii) Broilers
1 day old to 8 weeks per batch or per annum
(iii) Hatchery
1 day old to 72 weeks
(Extra premium to be charged for every additional increase than the
maximum value fixed for the bird.)

V. Sum Insured per bird:
The market value of birds varies from breed to breed, from area to area and
from time to time. Guideline valuation chart should be mapped out to be
approved and attached for fixing the maximum sum insured per bird and to
be the base of settling claims afterwards either for the Layers, for the
Broilers or for the Hatchery Birds.

VI. Insurance Coverage:
The policy shall provide indemnity against death of birds due to accident
(including Fire, Lightning, Flood, Cyclone, Famine, Strike and Riot) or diseases contracted or occurring during the period of insurance, subject to
the following exclusions:
(1) Malicious/ wilful injury, neglect.
(2) Transit by any mode of transport.
(3) Improper management (including overcrowding)
(4) Undergrowth, cannibalism, action of predators like preying birds and
carnivorous animals.
(5) Theft and clandestine sale of birds.
(6) Intentional slaughter of the birds except in cases where destruction is
necessary to terminate incurable suffering on humane consideration on
the basis of certificate issued by qualified veterinary surgeon or in cases
where destruction is resorted to by order of lawfully constituted
authority.
(7) Consequential loss however caused.
(8) Permanent and partial disablement of any nature.
(9) Loss of production
(10) Loss due to:
(a) Fowl Pox, Infectious Bronchitis and other specifically named
diseases. These diseases are covered by the policy only if the birds
are successfully inoculated against these diseases, if preventive and
curative measures are taken from time to time, and if the necessary
veterinary certificates to that effect are supplied to the Company.
(b) Malnutrition
(c) Undergrowth
(d) Cannibalism
(e) Loss due to huddling and/or piling of birds.
(f) Avian leucosis complex (A.L.C.)
(11) Salmonellas covered subject to submission of clean certificate from
competent Authorities immediately after testing.
(12) War, invasion, act of foreign enemy, hostilities (whether war be declared
or not), civil war, rebellion, revolution, insurrection mutiny, tumult,
military or usurped power or any consequences thereof or attempt
thereat.
(13) Any accident, loss, destruction, damage or, legal liability directly or
indirectly caused by or contributed to by or arising from nuclear
weapons.

VII. Veterinary Examination:
(a) A Veterinary Certificate from a qualified Veterinarian showing the
following details is necessary for acceptance of risk:
(1) Type of Birds
(2) Age of Birds (3) Details regarding housing, light, ventilation, temperature,
insulation, floor, feeds, water, sanitation etc.
(4) Vaccination and inoculation particulars.
(5) Debeaking
(6) Condition of health
(7) Type and source of feed
(8) Details of equipments
(9) Details of management/staff
(10) Veterinary assistance
(11) Mortality rate with reasons for last 2 or 3 years
(b) The Insurer reserves the right to maintain his own check and depute.

VIII. Identification:
(1) All the birds would be covered on flock basis. No identification is
necessary.
(2) Insured must maintain at their own cost lot-wise records to show
inter alia (a) Mortality (b) Culling (c) Feed consumption (d) Incidence of
diseases (e) Vaccination and medication (f) Purchases and sales (g)
Daily Stock Register.

IX. Important Policy conditions:
(1) The Poultry farm should have veterinary facility.
(2) The cages if used must be maintained properly.
(3) Proper house keeping.
(4) In event of outbreak all healthy birds should be segregated and all
precautions should be taken to arrest the spreading of the disease,
under advice to the Insurance Company immediately.
(5) Proper balanced standard feed and clean water should be supplied to
birds.
(6) Proper flock record should be maintained on day to day basis.
(7) Transfer of interest/ ownership is not allowed.
(8) In case of death/ outbreak of epidemic immediate notice within twelve
hours should 'be given to Company. All birds 'should be segregated and
produced to the representative of the Company or to any person
authorised by the Company.
(9) Debeaking and Deworming should be carried out regularly and record
to that effect should be maintained.

X. Blanket Policies:
Blanket policies would be issued, subject to weekly declaration in favour of
clients who maintain regular records of each unit/ lot by which group of
birds could be identified and in which all illness suffered, treatment provided and vaccinations carried out are recorded in the normal course of
business. Additional premium at an agreed rate will be charged on pro-rata
basis on receipt of declarations for the new stock, subject to Veterinarian's
Certificate.

X I. Procedure for claims settlement:
(a) Admissibility of the claim:
Claim under the policy would be admissible only if the mortality in the
Flock exceeds the limits given below: (for example)
Weeks Mortality
Broilers: 1 day old to 8 weeks 5% of the population in each lot
Layers: 1day old to 8 weeks 5% of the population in each lot
9 weeks to 72 weeks 3% of the population in each lot
Compensation towards loss of the birds will be made only for death of
birds exceeding the mortality percentage given above.
(b) Liability of the Company:
The Insured will be indemnified for 100% of the value of the bird at the
time of death as per the valuation table given as guidelines.

XII. Claim procedure:
In the event of death of birds immediate intimation should be given to the
Company and the Insurer should be supplied with following documents
and required information:
(1) Duly completed claim form
(2) Death Certificate from a Veterinarian.
(3) Post mortem report if required by the Company.

XIII. Salvage:
No salvage will be deducted from claim.

XIV. Housing and Equipments:
A separate fire policy may be considered to grant cover for housing and

equipments.

Gay life insurance

noreply@blogger.com (Nasir) — Sun, 27 Nov 2011 22:31:00 -0800

Pro-gay life insurance bill becomes law in Va.

A bill enabling Virginia companies to offer life insurance benefits to the same-sex partners of employees became law earlier this month after Virginia Gov. Bob McDonnell (R) signed the measure.

The new law, approved by both chambers of the Virginia General Assembly with unanimous votes, was enacted after McDonnell signed it April 7.

Stacey Johnson, a McDonnell spokesperson, said the governor signed the bill into law because it passed with broad bipartisan support in the House and Senate.

“In addition, it will have no fiscal impact on Virginia’s taxpayers,” she said. “The governor believes a decision about who an employer can extend life insurance coverage to should be made by the group policy holder and the insurer.”

Previously, state law permitted Virginia residents to take out group life insurance coverage only for a legal spouse or a child under age 25. But the new statute, which takes effect July 1, broadens that group of people to include anyone with whom a Virginia resident has a substantial and economic interest, including a same-sex partner.

Del. Adam Ebbin (D-Alexandria), chief co-patron of the legislation and the only openly gay member of the Virginia General Assembly, said he was pleased the bill finally passed after it was first introduced three years ago.

“It’s exciting that after three years of work, GLBT people will be able to make their partners their beneficiaries,” Ebbin said. “It’s long overdue, but it’s a step forward nonetheless.”

Jon Blair, CEO of Equality Virginia, said he wasn’t surprised that McDonnell signed the bill when it came to his desk.

“This is pretty much no-brainer stuff,” he said. “Really, the only surprise is that it didn’t pass earlier.”

David Lampo, vice president of the Virginia Log Cabin Republicans, attributed the success of the bill this year to its Republican chief patron, Del. Tom Rust (R-Fairfax).

“Having a Republican patron made a very big difference, but we all owe Del. Adam Ebbin a debt for first proposing this bill,” Lampo said.

Ebbin first introduced the bill in the Virginia House in 2008. The legislation failed to pass that year and again in 2009 before it became law this year.

Ebbin said he believes the bill succeeded this year because the insurance lobby worked hard to support it and the Virginia Family Foundation didn’t obstruct its passage. He noted that a technical change in wording that didn’t substantively change the legislation also contributed to the bill’s success.

Previous versions of the bill allowed Virginia residents to designate someone from “any other class of persons” they wanted as a life insurance beneficiary, while the enacted version changes this language to “any other person” with whom the insured group member has an insurable interest.

The legislation notably failed in the two previous sessions when there were a greater number of Democratic lawmakers in the General Assembly and a Democratic governor. It passed during the administration of a Republican governor who’s not considered gay friendly.

Upon taking office, McDonnell renewed an executive order protecting certain classes of people from discrimination in the public workforce, although he left out sexual orientation as one such class. He later issued a directive saying the state shouldn’t discriminate against LGBT people, although this action doesn’t have the same teeth as an executive order.

Ebbin said he believes McDonnell allowed the bill to become law because he didn’t want to oppose legislation that provides for wider life insurance and because no controversy surrounded the bill as it progressed to the governor’s desk.

“So, I suspect that there wasn’t consideration for him to oppose a bill that passed nearly unanimously,” Ebbin said. “There’s the potential for the bill to be overridden and I’m sure he didn’t want any more controversy — considering the other controversies that he’s had in his first legislative session.”

Kelly Young, an Arlington, Va., resident who married his spouse Bill Reinsmith in Vermont earlier this month, encouraged Ebbin to introduce the legislation in 2008 so that he could provide life insurance to his partner through his company.

Although the issue is now moot for Young and Reinsmith because Young is self-employed and Reinsmith’s company offer doesn’t life insurance benefits, Young said the passage of the legislation moves Virginia forward.

“It is still important, both economically and morally,” Young said. “It’s a small step forward for LGBT equality in a state that doesn’t offer LGBT residents much in the way of equality and lately has sent some weird signals on LGBT issues.”

Pub Insurance

noreply@blogger.com (Nasir) — Sun, 27 Nov 2011 21:48:00 -0800

Why choose Insure Your Pub.com for your insurance?

Insure Your Pub.com are licensed trade insurance specialists and are fully regulated and registered with the Financial Services Authority in the UK. We are an online licensed trade insurance broker, meaning we offer independent advice and quotes for your pub, bar and club from the UK's top insurance companies such as Aegas, Aviva, AXA & Brit. Need to claim? You become an Insure Your Pub client so we act on your behalf whenever you need to make a claim from the insurance company, thanks to our dedicated claims assistance team. We also go the extra mile when it comes to renewal, if we feel you can get a better deal next year, we'll tell you meaning you'll get the best possible deal on your business insurance year after year.

With the busy day-to-day running of your pub, club or bar, Insure You Pub saves you money and time by searching a network of insurers to find the best deal for you.

Our Pub Insurance policies cover Public Liability and Employers' Liability, Accidental Damage and Loss of drinks license up to £100,000. We also include Loss of income following an incident up to £500,000.

Take out your licensed trade insurance with Insure Your Pub and receive benefits such as our claims assistance team; Experienced, dedicated staff who understand the licensed trade market; instant confirmation documents and of course, cheap premiums.

In addition, we have several add-on to include to your policy such as Legal Expenses, Personal Contents cover and Buildings cover

Why do I need Pub, Bar and Club Insurance?

Running your own pub may be rewarding but requires long and unsociable hours. With so much to do such as, ordering the stock, taking care of deliveries, training staff and of course serving customers, there is usually no time to spare. In this type of busy environment, one can easily forget the necessity to renew your pub insurance. Forgetting or putting off your insurance renewal could lead to catastrophic consequences.

As experienced publicans are only too well aware, anything can happen in a pub. The owner of the premises including the staff will see the best and the worst of human behavior, especially where alcohol is concerned. There is unfortunately always an element of risk; tempers can flare which may result in individuals being removed from the premises by management or staff. This can lead to all types of hazardous scenarios resulting in personal injury or damage to your property. Likewise, drinks accidentally spilt or food dropped on the floor can become areas of danger, if someone slips and hurts themselves. Be in no doubt if a customer suffers any form of injury or has an accident on your premises because of your negligence, they will lodge a claim against you.

It is very unwise to be uninsured or not insured enough. In today's society some people look at ways in seeking compensation through the courts when a misdemeanor happens. All of your hard work in building up your pub's business and reputation can be destroyed because of one incident. It is therefore vital to be fully insured, an insurance policy can be tailor-made to suit your business requirements.

Every licensed business is different and therefore may require different types of policies. The most important insurance policies to cover most eventualities are Public Liability, Employers Liability, Property Damage and Interruption of Business. These are extremely easy to organist with the help of professional insurance staff who know exactly what a publican requires. Prices can be compared with any existing insurance you may have and a suitable quote will be offered to you. Insuring your public house certainly won't cost the earth, however if you are in any doubt insurance advisers will be more than happy to help.

Public Liability Insurance covers the cost of a claim if unfortunately a customer on your premises is injured, including any damage to their personal property. Employers Liability Insurance pays for any claim made by staff you have hired if they are injured or become ill as a result of working for you, this is also a legal requirement by law. Property Damage Insurance covers the contents of your pub, fixtures and fittings and in the event of a fire or theft, these are covered too. Interrupted Business Insurance is also recommended with the loss of income covered, if for instance you have to close the pub for any reason.

Bar and Nightclub Insurance Coverage

noreply@blogger.com (Nasir) — Sun, 27 Nov 2011 21:16:00 -0800

Business insurance for a bar, tavern, night club, or liquor establishment requires planning. Any business that sells alcohol to the public, whether it is a bar, tavern, or night club, needs detailed risk management planning.
Risk management planning for a bar starts with answering the following questions:

Cheap Bar/Nightclub Insurance?

What is the value of the property, fixtures and contents of the bar?
Consider what it would cost to replace the building, fixtures, coolers, stock, decor, and operations equipment tomorrow.
What percentage of the bar's sales will be alcohol?
Insurers will require evidence of your sales. Generally, if alcohol accounts for 50% or more of your total sales, your risk (and your premiums) will be higher. You must keep track of this percentage.
Will you have recreational games or diversions at the bar?
Your premiums will be much higher and you may be excluded from coverage from some insurers. For example, United States Liability Company does not allow "pyrotechnic displays, moon bounces, trampolines, rock walls, swimming pools, foam machines."
Will you have employees?
If employees will work at the business, then you will need workers' compensation insurance and may consider health insurance benefits.
What are the dram shop liability laws in your state?
State laws differ as to the liability of the bar owner for injury to a third-party caused by an intoxicated patron. You should discuss this potential liability with knowledgeable restaurant and bar counsel in your area.
Will a vehicle be used in the business?
Vehicles used for commercial purposes are not covered by personal auto policies.
Is the business in an area prone to natural disasters?
The beach may be a nice place to visit, but hurricanes can wipe out beach front patios and bars. Consider if your bar is subject to natural disasters such as flooding or storms.
Will the business serve food?
Consider if your bar will prepare and serve food.

The size of bar, gross receipts, and percentage of gross receipts attributed to alcohol sales will dictate the types of insurance necessary for the bar and the amount of premium required to maintain coverage.

Bar/Nightclub Insurance Basics

Property Insurance

The business will need property insurance to protect the building and contents. Often the most affordable way for a bar owner to secure this insurance is as a part of a business owner's policy. There are also insurers who offer specialized products that are similar to the business owner policy, but are specially tailored to bar owners. These policies will have state specific features, but are generally similar to a standard business owner's policy. Because bars often have a large amount of glass, make sure the policy covers glass breakage.
The primary consideration will be whether to obtain replacement cost or actual cash value property insurance. Actual cash value coverage deducts depreciation from any claim. While replacement cost insurance provides the current value of the replacement of damaged property. Replacement cost coverage is more expensive. In reality, most bars cannot return to operation if they do not have replacement cost coverage. Opt for replacement cost coverage. Further, make sure your policy will pay for necessary upgrades caused by new building code compliance.

Consider having unique bar décor (the moose head, license plate collection, etcetera) evaluated and separately scheduled to avoid disputes over the cost of replacement. Do not assume your standard property policy will cover such items. Most property policies exclude glass breakage, signage, and landscaping. You will need separate coverage for these items if they are necessary or you will need to look into bar owners' policies that include such coverage. Finally, if your business is in an area subject to natural disasters, remember that flooding, some wind, earthquakes, wild fires, and some other risks may need a separate endorsement to be covered and the premiums will be much higher.

Liability Insurance

Liability insurance for the bar is the most expensive part of the risk management program. A bar cannot have "too much" liability insurance. Patron injuries, injuries to third-parties by patrons or employees, and employee theft are just some of the risks that bar owners face. Liability insurance will provide the owner a lawyer and pay for the judgment if covered under the policy. Good insurers also have substantial resources for the bar owner to learn how to conduct a safe operation, such as "safe server" programs that can reduce premiums. Consider umbrella coverage on top of the liability policy.

Product Liability and Liquor Liability Insurance

If your bar sells products or food to its guests, consider product liability insurance. This insurance protects you from liability caused by injury to guests from products your business sold or supplied. It goes without saying that a bar owner must carry liquor liability insurance in proper amounts based upon sales and patronage. In fact, some jurisdictions mandate such insurance before it will issue a liquor license.

Workers' Compensation Insurance

You must check with your applicable state department of insurance to determine if your business will need workers' compensation coverage. Do not automatically assume you do not because the business is family owned, or has few employees. Your state law will dictate the coverage necessary and required if you have employees.

Commercial Auto Insurance

If the bar will use a vehicle, then that vehicle must be covered by commercial auto insurance. Personal auto policies generally do not cover losses caused when a passenger vehicle is used for commercial purposes. This will be necessary insurance if vehicles are used in the business.

Other Insurance

Bars are only profitable while open and filled with drinking patrons. If there is a substantial disruption of your business, such as a fire, remember property insurance will only replace the property--not the lost income. The bar owner should consider business interruption insurance. Bars are increasingly computer dependent and rely on point of service computer networks; consider specific network risk coverage.
Finally, it cannot be stressed enough that certain natural disasters, such as floods and earthquakes require separate endorsements or separate policies and are not covered by most property policies.

For Restaurants, Bars, Taverns, Adult Clubs, Nightclubs and More!
Commercial Package, Property, General and Liquor Liability are Available.
Accounts Under $15,000 in Premium are Non-auditable.
New Ventures, Dance Floors and Entertainment are All Eligible.
Assault and Battery Coverage Can Be Included.
Optional Coverages Include: Umbrella, Spoilage, Equipment Breakdown, Money & Securities and Property of Others.
$5,000 Minimum Premium.

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