Monthly Archives: September 2016

Small Business Insurance Quotes

Every business, whether large or small, needs to have insurance coverage to help protect their assets. Small business insurance is very important to have in any case. From umbrella insurance to vehicle insurance, the right coverage to suit your business’ needs is available. However, now the question becomes: How do you find the right insurance for the best rates?

These types of business quotes are available from just about any insurance agency that offers such coverage. Quotes for insurance are just a standard part of their everyday workload. So, whenever you do ask for a small business insurance quote, no one will be unsuspecting.

Finding the Right Business Quotes for Insurance

So, how do you find small business insurance quotes? Actually, there are a variety of different ways that you can go about obtaining quotes for insurance for your business.

1. Make phone calls. Making phone calls in order to obtain insurance quotes has been the primary way to obtain the quotes for many years. It can take quite a bit of time in order to search through the hundreds of insurance agencies that may be in your local area, depending upon how many small business insurance quotes that you want to obtain. In this case, there may be many times when you will have to wait a day or more in order to receive the quote that you have asked for.

2. Search the Internet. On the Internet, a lot of times you can find websites that will help to guide you through the process of finding small business insurance quotes. Just tell the website your information and the type of insurance that you are looking for and they will get the quotes for you. Isn’t that great? This way has proven to be the fastest growing way to obtain a variety of different small business insurance quotes in the least amount of time. Many consumers are changing their methods.

What to Do When You Get the Quotes

Once you have received all of the quotes back from the insurance agencies that you are interested in doing business with, it will require a little time on your behalf to make an informed decision before purchasing the insurance.

1. Price: Of course, the price is the biggest determining factor for which insurance agency you will decide to go with. The price that the insurance agency offers you on your small business insurance quote is probably the best price that they could get you.

2. Amount of coverage: Make sure to compare the amounts of coverage of the small business insurance quote states. You will want to make sure that between the different insurance agencies that they have quoted you for the right coverage, the coverage amounts are comparable. Mistakes can happen, and unfortunately, this could be bad for your business. Just make sure that the quote is for what you asked for and in the right amounts.

In the end, after you get the small business insurance quotes and you have looked over them, you will be able to find the right insurance agency to do business with.

Rules Affecting Illinois Workers’ Compensation Lawyers

What is your hand worth? According to the Illinois Workers’ Compensation Commission, the maximum value of a hand lost at work (for a worker who makes the average Illinois annual salary of $42,754.40) is $168,551, whereas that same hand would be worth $156,218 in Iowa and $143,885 in Nebraska.

In Illinois workers’ compensation law, the value of human body parts is determined by an actuarial analysis of probabilities and future values of injuries. The values are continually adjusted to keep up with inflation and changes in the economy. The Illinois Workers’ Compensation Commission uses the fixed values of body parts in order to strike a fair balance between compensating workers without driving insurance companies into financial ruin.

Workers’ Compensation Overview

Workers’ compensation is one of the first examples of tort reform enacted in the United States. Before workers’ compensation law, people hurt at work were faced with two unpleasant alternatives: (1) they could either file lawsuits against their employers or (2) they could suck it up and pay for their own injuries.

Now, employers in every state but Texas are required to hold workers’ compensation insurance. When people are injured at work, it is almost as easy to file claims within their states’ workers’ compensation systems, as it is to file insurance claims after car accidents.

In order to ensure that injured workers, employers and insurance companies are all treated fairly, the Illinois Workers’ Compensation Commission continually makes changes to the Illinois Workers’ Compensation Act.

Below is an overview of the most recent set of changes to the Illinois Workers’ Compensation Act, which took place in July of 2005.

Fraud Statute Established

Any party involved in committing fraud relating to a workers’ compensation dispute is guilty of a Class 4 felony and must pay complete restitution in addition to a fine. In addition, those who knowingly receive benefits by making false workers’ compensation claims can be liable for either three times the value of benefits wrongfully obtained or twice the value of coverage attempted, plus attorney fees required to bring the claim.

Penalties Increased for Uninsured Employers

Employers who fail to purchase workers’ compensation insurance are guilty of creating an immediate and serious danger to public health. As a consequence, a work stop order can be imposed, requiring the cessation of all business operations until the employer obtains proof of workers’ compensation insurance.

Furthermore, a knowing failure of an employer to provide workers’ compensation insurance coverage is considered a Class 4 felony, and each day’s violation constitutes a separate offense.

Medical Fee Schedule Established

The Commission has established a medical fee schedule, setting maximum medical fees that employers are liable for. The maximum fees are 90% of the 80th percentile of charges in a certain geographic area. If a worker’s medical bills are less than what is established by the fee schedule, then the employee will receive full workers’ compensation coverage for those bills.

Benefits Increased and Changed

The Illinois Workers’ Compensation Commission sets maximum compensation for specific work injuries. As of February of 2006, the maximum compensation that a worker can receive as the result of a death injury is the greater of $500,000 or 25 years worth of salary. This is higher than the previous maximum (the greater of $250,000 or 20 years).

Expedited Hearings

When an injured worker is not receiving any compensation for an injury from his or her employer, that worker can request an expedited hearing. An employer can also request an expedited hearing if a worker continues receiving compensation until a judgment is rendered and the employee has been released back to work.

Utilization Review Established

If an employer has reason to believe that an inured workers’ medical treatment was unnecessary or unreasonable, the employer can have the case evaluated at a utilization review. In order to qualify for a utilization review, employers must register with the Department of Financial and Professional Regulation once every two years.

Happy Employees, Employers and Insurance Companies

The Illinois Workers’ Compensation Commission strives to reach fair results for all parties involved in work injuries. Illinois workers compensation laws benefit employees by providing fast compensation for injuries without the stress of filing lawsuits. Employers benefit from workers’ compensation insurance coverage, because it eliminates the risk of lawsuits brought by injured employees. Even insurance companies benefit from workers’ compensation law, because it sets maximum rates, which reduces the chances of unreasonable payouts. Furthermore, when insurance premiums paid by employers are invested at favorable rates, insurance companies can actually stand to gain the most from the Illinois Workers’ Compensation system.

By continually adjusting the Illinois Workers’ Compensation Act, the Illinois Workers’ Compensation Commission is reaching fair results for all those involved in work injuries.

Travel Insurance Tips

Traveling overseas should be a dream but, as in all aspects of life, sometimes things can go wrong. A great way to prepare for some unfortunate possibilities that you may experience is to ensure that you get travel insurance before you go. Whilst you do not want to think about the possibility of things going wrong on your holiday, there is always the possibility that something unfortunate could happen.

There are a number of travel insurance providers on the market. Some of these providers are better than others. Here are some tips for you to follow to get the right plan for you.

Get A Number of Quotes

You need to make sure that you get a number of quotes for your travel insurance as some providers are more expensive than others. You should get your insurance that offers you the best price for the country that you are traveling to.

Look for Inclusions and Exclusions

If a travel insurance quote seems too good to be true, it probably is. You need to make sure you properly read the terms and conditions. You need to make sure that you know what you are covered for in the event that there is a problem. You also need to know what you need to do should you need to make a claim.

At a Minimum, Get Medical, Loss/ Theft, and Missing Flights Covered

For most people, the basic cover that you need is medical, cover against theft of loss of goods and coverage for if you miss flights etc. There are other levels of cover to consider but these coverage inclusions depend on your own special circumstances.

One thing that you must organise before you travel overseas is travel insurance. For a small cost on top of your international adventures, you will save yourself a lot of trouble and financial heartache should something go wrong.

Tips to Get Property Insurance

Who enjoys shopping for property insurance? No one. We all hate it. It means calling office after office giving the same information over and over. Who really wants to memorize their 17 digit alpha-numeric Vehicle Identification Number (VIN) in order to get the best pricing? Every person you speak with wants to build rapport with you to win you over from the other three agents or customer service representatives (CSR) you just hung up with and the next one you’re going to call as soon as you hang up the phone. Here are three tips how to shop for property insurance without losing your hair, mind or, more importantly, time.

First, you need to understand shopping for insurance is a complicated process, not just for you but, from an agent’s point of view, as well. Property insurance companies require a lot of information in order to determine risk and rate such as age of the property, construction materials, interior features, loss history and most importantly your credit risk. Do not be afraid to disclose your Social Security number. Most property insurance companies require a Social Security number before even proceeding with an estimate. If your identity is stolen by an agent or an agent’s employee, you have plenty of recourse to make yourself whole again. Which ever agent wins your business is required to obtain your personal information anyway so disclosing it upfront can speed up the process. Honestly, insurance companies already have a ton of information on you at their finger tips. It’s just easier and less costly for you to disclose your personal information, initially.

Second, know what your property’s characteristics are. For example, know the year it was built, the exterior building material, type of plumbing throughout the house, the year the roof was replaced, heating fuel, distance to the nearest fire station, approximate dates the electrical, plumbing, and HVAC systems were last updated. Replacement cost estimating software is only as good as the data input. If you want you property underinsured, then only disclose the basic information needed and hope it’s enough in the event of a total loss. Tax assessor websites are getting better about offering property details but even the good ones are still limited in their information. If you have a wet bar, skylights, Jacuzzi bathtub, dual cooing units, elaborate staircase this is the time to disclose that information. No property owner wants to fight the insurance adjuster for extra money at the time of a loss when the wet bar was not disclosed on the application.

Third, be prepared to haggle. After disclosing all the characteristics of your property, discuss the produced numbers with the agent. If you feel the estimate is too high or low, review the data with the agent for accuracy. If you are working with an independent agent (highly recommended) and they are shopping your quote with multiple property insurance companies, it is even more important to ensure they are including all eligible discounts. Make sure you are getting credit for all the available discounts offered by the insurance company, it’s the easiest way to save money on insurance premiums. If you are shopping for home insurance, be prepared to discuss quoting your auto insurance in order to take advantage of the biggest available discount. Most property insurance companies offer large discounts, up to 20%, if you include your autos with your home. Remember, agents and CSR’s are human too and make mistakes, some honest and some not so honest.

Get Tampa Health Insurance Quotes

If you are currently self-employed or if your employer doesn’t have a health insurance program, you may be in need of Tampa health insurance, particularly if you live in or around the Tampa area. When it comes to buying health insurance for yourself, there is a good chance that you want a quality, yet affordable insurance plan. To get that, you will want to rely on Tampa health insurance quotes.

Tampa health insurance quotes, as you likely already know, allow you to know how much you can expect to pay for Tampa health insurance. Often times, those who are looking for affordable health insurance, request multiple health insurance quotes and then compare their findings. If you are looking for low-cost Tampa health insurance, you may want to take this approach. However, it is also important that you make sure that you choose an insurance plan that provides you with enough coverage. Therefore, before requesting Tampa health insurance quotes, you may want to make sure that the plan in question has enough coverage for you and your needs.

Once you have fond a Tampa health insurance plan that you would like to obtain, you will then want to request a free Tampa health insurance quote. When it comes to requesting a free Tampa health insurance quote, you have a number of different options. First, you can contact a Tampa health insurance company or one that provides coverage to Tampa residents, just like you. When doing so, you can either request a free health insurance quote online or over the phone. Simply by answering a few questions, about your health, you will get an estimated cost of insurance. This estimate amount is how much you would likely have to pay for the particular plan that a Tampa health insurance quote was requested for.

In addition to getting a Tampa health insurance quote by going directly to the insurance provider, you can also find a number online websites that give you the same information. One of these websites is commonly referred to a health insurance quote website. What is nice is that some of these websites focus on a particular area, like Florida. What is even nicer is that with these websites you get to request more than one Tampa health insurance quote, but you don’t have to fill out multiple health insurance quote forms. Yes, that is right; one Tampa health insurance quote form and you could receive multiple responses from different insurance companies, concerning different insurance plans.

Although both of the above mentioned Tampa health insurance quote requesting methods are nice, you may prefer one over the other. If you are looking to get more than one Tampa health insurance quote, but you don’t want to spend time researching multiple Tampa insurance companies, let alone all of their insurance plans, you urged to at least look at Florida health insurance quote websites. These websites, as previously mentioned, will give you multiple price estimates, or health insurance quotes, with one simple form.

How to Track Down the Right Quote Online

A commercial van insurance quote in UK differs greatly from a personal insurance quote in many different ways. Many of the ways the two quotes will differ include the type of coverage you will need and more.

One of the ways personal insurance differs from commercial van insurance quote UK is that with personal insurance you are insuring only one person. You only have to worry about one person’s driving record. Commercial insurance considers every driver you have with your company.

They might not be driving every single day or the same vehicle. The insurance company will examine every person you have with your company who is driving to see if they are willing to insure them. You might have an employee that they deny coverage too. You might have to find other work for this person or send them packing.

Personal insurance covers your vehicle and minimal personal items in your car. You will have to pay a deductible and usually if there is theft in your vehicle then the theft will be less than the deductible so there is no point in making a claim. If you make a claim and your insurance company does pay it after you pay the deductible then your monthly rates will go up.

Usually, it is worth more for you not to place a claim with the insurance company when theft or damages occur. A commercial van insurance quote UK will make a big difference in this realm because as a business you do want the maximum amount of coverage you can get.

This is because you might be carrying thousands of dollars of inventory around in your vans and you want the contents of your van to be covered in addition to the vans if an accident occurs.

Buy Cheap Insurance Online

For the best options and deals, travellers should buy cheap travel insurance online.

The Internet has made it staggeringly simple to compare companies and travel quotes and to find cheap travel insurance. For those who take their time to shop around, there are some great bonuses to be had on international travel insurance. Australia has a number of insurance companies that operate online. for example, specialise in backpacker insurance, with cheaper across the board prices.

Benefits to Purchasing Online:

* Value for money: almost all travel insurance companies will charge around 40 – 60% less than a travel agent. By purchasing online travel insurance, rather than over the counter or via the phone, cover is even cheaper and usually in the order of a further 10%.

* Ability to extend cover: With some online insurers you can extend your cover overseas if you are staying away longer than you’d anticipated. There is a case history on the DFAT smart traveller site that tells of a traveller who let his policy lapse with only days to go before flying home. True to O’Brien’s Law (O’Brien is the one who thinks Murphy is an optimist) this traveller was hit while crossing the road resulting in massive hospital and repatriation expenses. As he had no travel insurance his family was left with taking out a second mortgage.

* Instant cover: With Internet caf├ęs scattered across the globe it’s comparatively easy to go online to renew. The online option is great for anyone who has committed the ultimate travel crime by forgetting to take out travel insurance which includes unlimited medical cover. Online cover can be granted almost immediately prior to departure and the policy land in your Inbox within minutes. In contrast, hard copies are usually also sent via snail mail.

iTrek say by operating online they keep their overheads much lower than many standard travel insurance companies, still offer above-average customer service and provide a variety of discounted rates for their customers.

iTrek suggest when comparing online, travellers should first and foremost look for a company’s track record and the level and reliability of the emergency medical component of their chosen policy. Last but not least, compare the policy wording for pre-existing medical conditions and policy exclusions with a fine tooth comb. You could even get a friend or family member to help you with this as it’s imperative you understand what it is you are covered for.

For the broader spectrum of travellers, the technology and opportunity to buy cheap travel insurance online is not only incredibly convenient, it frees up travel dollars to do more of what you love.

Locate the Most Affordable Insurance

Nowadays, it is not easy to find out the cost effective insurance policies. The main reason of this because nowadays the insurance industry has become commercialized i.e. the main objective of the insurance companies is now to make only huge profits. Investment in insurance is supposed to be a less risky affair as in comparison to the investment in stock exchange or share market. Especially in this scenario, finding the affordable insurance companies is the biggest question for most of the middle class people. However, because of the lack of the proper knowledge most of the people are finding it difficult to get the affordable insurance companies.

With the help of proper information, you can definitely hunt down the affordable insurance companies. First you need to do a small research and check the options available with you. Secondly, you can take the advice from your friend, family member or from a professional insurance expert. There are many reputed and affordable insurance firm, which is providing cost-effective and fair insurance deals for their clients. You must choose the company according to the policy in which you are interested in. There are different kinds of insurance policies offered by the insurance companies from which you can choose the best one, suited for you.
Once you have finished with the market research, you will automatically get the idea about locating the best affordable insurance companies. You should make a decision according to your pay capacity. You should first decide that how much you are willing to pay per month or per annum as an insurance premium. You should also be of the rate of compensation before committing yourself economically. You can opt for the government based programs, if the terms are higher and unaffordable. The main advantage of government based program is that they offer considerable coverage and subsidized rates.

Internet is the most beneficiary tool for you if you are genuinely interested in order to find the affordable insurance companies. You can find the many firms advertisers placing their quotes online. However, before selecting the final affordable insurance companies you should speak with the representative of the company or with the insurance broker in order to clear all the requirements and terms and conditions of the insurance company. Most of the times the insurance company has a well establish the Customer care department.

It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.

Given the current recession it is important to make sure to prioritize your money and compare insurance quotes online. A good place to state would be an online website that actually allows you to compare insurance quotes online for free.

Compare Home Insurance Quotes Online

Everyone knows that getting insurance quotes are very expensive that is why some people do not get insurance, while others wanted to have one but can’t afford to purchase one. Home insurance is the type of insurance that would help cover for your house in case unexpected natural incident strikes such as hail storms, hurricanes, tsunami and other natural calamities.

Aside from this it also helps cover your house when something is stolen or some parts of your house need to be repaired depending on the coverage that you get. Under home insurance you can find different coverage that gives you the protection you will need for your home. It would be your duty to choose the coverage that you think will be needed.

Today people who wanted to get insurance usually get insurance quotes first for this would be helpful in knowing more or less how much they are going to spend in getting home insurance. Aside from that comparing homeowners insurance is one way of help you in deciding and choosing the right and affordable insurance for you. Below are some tips and advices that could help you in finding and comparing home insurance.

One way of getting home insurance is through online, you could also find it in your local area however finding it in your local state would take up a lot of your time. While getting and finding it online would just take a few minutes.

First you need to find a website that would give you more than one quote. Always remember to choose a website that you can trust for you will need to input some of your personal information in order for you to get the quotes you need. So if you do not want your information to be used by others or be victimized by scam you need to make sure that the site is safe and can be trusted.

When getting homeowner insurance quote you just need to fill out some things such as your name, do you have other insurance and other questions that they would need in order to give you quotes. After filling it you then have to click submit and wait for a while and you’ll have your home insurance quotes.

Then you will need to gather all the homeowner insurance quotes you got online and compare them. When comparing them chose the ones that give or offer you the best price, you also need to compare their interest rates and choose that one that gives you the lowest rates.

Comparing the quotes would be easy for when you have the quotes on your hand it would be easier for you to identify the best ones from those that are not. Make sure to choose the quote that offers you the best insurance quote that you can find. You can then call the company and inquire about their home insurance their rates and other discounts that you could avail if they have one. Remember that the decision would lie solely on you and your family’s shoulder.

Young Drivers Car Insurance

Everyone worries about having enough money for their child’s education but they tend to forget about another huge expense, young drivers’ car insurance. If you have a baby girl, you can wait a little to start your fund, but if your baby’s a boy, start saving money for that first policy the minute you get home from the hospital.

Of course, that’s a little bit of an exaggeration on the cost of young drivers’ insurance, but if you’re a parent with a new teen driver, you probably may think it’s pretty accurate.

Young drivers simply pay more for their insurance.

There’s a reason they pay more. They have less experience on the road, statistic show they have more accidents and they have limited histories driving so insurance companies are looking at an unknown risk factor also.

If you’ve ridden with your child at the wheel, you may decide that no matter what the insurance company charges, it’s a bargain price. That’s where you might be wrong. You can get cheap young drivers’ car insurance if you shop online for quotes at several different sites.

Since your young driver is on the family policy, you’ll have to secure quotes for your family car insurance. If you carve out the high priced child and insure them through another company, your company will still charge you because they still see him as a driver in the household.

Most sites offer multiple quotes and you might find that in addition to saving money on the insurance for your young driver, you dramatically reduce the cost of insuring your other vehicles.

See if you can find discounts for your new driver. Often companies offer discounts for good students, additional savings if your child took a driver’s education course and multiple car discounts. You may also have a discount if you carry other types of insurance with the company, such as life or health insurance.

Just because it’s expensive, you might be tempted to reduce the amount of coverage. If your child’s car has a loan, you must carry full coverage. Don’t even consider selecting the state’s minimum liability for coverage. Most state’s minimums barely cover a visit to an emergency room, let alone the cost of a hospital stay.

The best way to keep your insurance rates lower when you have a young driver, besides comparing rates is to put specific rules in place for your child’s protection. For their first year of driving, don’t allow your child to become the crowd’s Taxi Cab. A vehicle filled with talking, rambunctious teenagers detracts from the driver’s focus on the road. Minimize the potential danger by limiting the taxi service they perform. Get your son or daughter a hand’s free headset for their cell phone. Set curfews for your child, when they drive. Late night drives mean sleepy drivers and an accident waiting to occur.

You’ll save your family budget from certain death when you start shopping for comparison rates. You’ll be happy you shopped