Archive for the ‘insurance’ Category
What is the base minimum of insurance required in Colorado?
May 3rd, 2010 | 
Author: I know that we need liability insurance, but is there a minimum on other types of insurance? Specifically, house insurance, RV insurance and boat insurance. Oh, and motorcycle insurance. Thanks.
Auto liability, and workers compensation.
Any vehicle on a public roadway or public water is required to carry liability. Any employer is required to carry workers compensation. Besides that, everything is voluntary.
So, there’s no law that says you have to carry homeowners insurance. HOWEVER. If you want to borrow money to BUY that home, your LENDER will require it, and you’ll agree to carry it, or you won’t get the loan.
Life Insurance – Cool Cartoon
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insurance agent attempts to take on one of mankind’s greatest enemies – time and fate.
Created by Roy Iddan
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Duration : 0:6:31
What are some insurance companies that offer insurance if you become disabled due to accident?
Hello everyone. I have life insurance and accidental death insurance, but I am looking for a company that offers insurance for money if you get injured in an accident and become disabled. I show horses and ride often. I am looking for something that would protect my family in case of a disabeling injury. Please only serious answers. Please don’t suggest yahoo or google….I am looking for actual companies. God bless!
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What kind of insurance do insurance companies need to buy for their own company?
I want to start an insurance company, but I need to know what kind of insurance I need to purchase for my own company. I have done research and can’t find this. (Please do not tell me how to start one, or anything else besides what insurance I need, if any.)
Do you want to start an insurance company or an insurance agency? There is a difference. I’m guessing you want to start an agency because if you had the millions of dollars needed to start an insurance company you’d have the knowledge already or at least the money to hire someone who knew.
For an agency you’ll need E & O insurance. Also, depending on your situation you’ll need a business general liability and property coverage. You’ll need business auto or at least a business classification on your auto insurance if you have vehicles. If you hire someone you’ll need workman’s comp and possibly health insurance, disability, etc. for the employees.
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Duration : 0:5:57
What insurance is needed for casual outside workers?
We live on acreage in Brisbane and need quite a lot of outside work done. Things like brushcutting, weed spraying, gardening, scrub clearing etc We would supply tools and materials etc so the job would suit an unemployed person or a student. What if they are hurt in some way while doing the work? Do we need to take out insurance for them? If so, what type of insurance is it and who should we get it from? I’m pretty sure that normal workers compensation insurance doesn’t apply to workers who are employed by householders.
Try liability insurance or a cafeteria type insurance plan for insuring your casual outside workers or see if your home owners policy would cover it.
What typically happens to the insurance industry during a period of economic recession?
Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I’m asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts.
"People are buying insurance products regardless of economic conditions.The insurance industry and large-cap consumer staples companies also tend to pay meaningful dividends — and steadily raise them — enhancing their overall quality and appeal. Dividend income is always welcomed by consumers, especially so in choppy markets when you’re effectively paid to wait until the turmoil subsides.To answer your question if is a good time to sell in U.S.i say it is! not only in U.S. but also in Europe.
Travelers Insurance – Prized Possession (Dog Commercial)
In this spot from Travelers, featuring music by Ray LaMontagne, we follow along as a worried dog searches for, and ultimately finds, the smartest way to protect his most prized possession.
Duration : 0:1:1
Posted in insurance | 
Tags: bank, bone, commercial, cute, Daniel, Danny Kleinman, dog, dog bone, dog burying, Fallon, funny, humorous dog, insurance, Possession, Prized, Prized Possession, ray, Ray LaMontagne, red umbrella, safety deposit box, spot, Travelers, trouble, worry | 
25 Comments »
What reputable health insurance companies are out there?
My mom doesn’t have health insurance and my job doesn’t give insurance to family members.
I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.
Do you know any health insurance companies that can accept low monthly payments since I don’t get paid that much?
We live in northern california.
Well, if she’s 40 and perfectly healthy, it’s going to cost her about $500 a month to have a low/no deductible plan that covers checkups.
You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage – like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less.
The older she is, the less healthy she is, the more it costs.
Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.
How much is malpractice insurance for neurosurgeons by state?
I need to know the average malpractice insurance for neurosurgeons in different states.I want to practice in a state where the insurance isn’t so expensive.I live in NYC and here,the insurance is almost $100000.I prefer going to another city than giving all that money for the insurance.I never had any problem in my career and I don’t need this type of insurance. Can you help me?
PS. I am paid very well,but I don’t like spending money on things that I don’t need.
There’s no average.
You can’t average no retro date and no tail, with 30 years of prior coverage.
But if you don’t "need" this type of insurance, don’t buy it.
No hospital will actually allow you to use their operating room without it, anywhere, in the USA, but hey, if you don’t NEED it, hey.
As to where it’s cheaper – Not in the state of NY. Generally, the states which limit tort (republican states) are more friendly to doctors. But your professional association, or professional magazines, should be giving you a list of cheaper states. I believe there are at least 45 of them, LOL.