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In a world where unforeseen consequences can lead to costly damages and potential lawsuits, managing your risks is an absolute must. When looking for ways to mitigate risk in an investment, such as a car, house, or expensive work of art, people often turn to major insurance companies. In theory, paying a little each month can protect you from sudden financial disaster in the future. While these companies have good intentions, the reality is often much less idyllic. Companies often try to deny claims or take forever to process payments, leaving you stuck with a mountain of debt while you try to keep your investments afloat.
Contract Work
Particularly in contract work, standard liability coverage often leaves much to be desired. When allowing a contractor to work in your home, install an air conditioner, or run new power lines, you are taking a huge leap of faith that the company will behave ethically and do their work up to code. While most reputable companies carry liability, there is simply no way to guarantee that their coverage will provide you with the compensation you need when their mistakes cost you thousands of dollars in damages. To mitigate this risk, surety insurance has become a preferred means of protecting your investment. This type of protection, often called surety bonds, offers a unique method of controlling the way funds are distributed in the event of a disaster. Rather than spreading settlement payout across a myriad of clients, surety insurance is a three-way agreement between a customer, a contractor, and their bondsman. With stricter guidelines and a clear understanding of responsibility, these bonds allow payment to be treated like a bank loan rather than a sudden cash windfall. By cutting out the major corporations, homeowners are able to hold contractors accountable and seek damages as soon as they know shoddy work has been performed rather than after catastrophe has struck.
Public Works
Surety insurance is also beneficial in the case of public works. When building a park, statue, or other municipal attraction, city and town governments rely on one major overseer to manage a large number of subcontractors. Often this primary job lead is the only point of contact for the various electricians, sculptors, and carpenters working on the job site every day. While this manager hires out the work and can make agreements for compensation on his own, he will not be the one receiving complaints should any subcontractors not receive their due. Dissatisfied workers will climb as far up the food chain as they can and head right for the biggest wallet. Liability protection held by a contractor won't save the city in this instance; only a qualified bond will do the trick. The township can activate their agreement and settle payment directly with the workers without any scandal or lawyers whatsoever.
Whether you are building an addition to your home or rebuilding the town square, make the right decision and cover yourself with surety insurance.
When considering the benefits of surety insurance, Albuquerque residents can learn more safeguarding their investments at http://www.mianm.com/surety-bonds-insurance/


Article Source: http://EzineArticles.com/8775074
Understanding Insurance Claims
An Insurance Plan can get us off our worries. May it be an Educational Plan, Health, Life, Auto, Accident or Retirement Insurance Plan. Living in a country where everything is fast-paced, having an Insurance Policy is a necessity. The absence of these much-needed Plans could cause you a lot of troubles. Imagine, what to do when someone in the family is sick? Paying your hospital bills could be worrisome and how would you send your children to school without an Educational Insurance?
Some people have different kinds of Insurance Plans to secure their life and that of their family. However, an insurance claim also provides negative feedbacks that discourages people from thinking of the necessity of acquiring an insurance Plan. Definitely, an Insurance Plan means benefits but somehow, claiming those benefits could be tedious and time-consuming. Insurance claims need not give us so much trouble if we just understand how Insurance companies work on our Insurance claims. So to fully understand issues and save us a lot of troubles claiming our insurance, let us take a look on this.
How to File Your 4 Important Insurance Claims
Filing your Auto Insurance Claim
1. Assess if the Claim is Worth the Trouble
Before filing for an auto insurance claim, decide if you want to file a claim or not. If you think you can afford to pay for the damage, no matter who is responsible for it, then try not to make any claim. What is important, according to a Personal Insurance Expert, you need to keep your Insurance Record clean.
2. Get the Accident Document
It is very important to document every detail of the accident and get witnesses to back up your story afterwards. A Police record on the scene is a relevant document you must have to support your claim.
3. File Claim Immediately
You don't need to lose time in filing your claim. Question as to who is responsible will be taken care of by your Insurance Company.
4. Expect a Call Anytime
Expect a call from the other driver's Insurance Company to interview you on your version of the incident. Make sure you document the conversation and don't forget to ask the agent's name.
5. Get Your Car Fixed
After your claim is approved, then you can have your car's body fixed in case of a damage. The Insurance Company will assess the damage or ask you to send your car to any car shop of their choice to get it fixed.
How to File Your Home Insurance Claim
In case of a disaster which left you and your family homeless, file your Home Insurance Claim. As you file your claim, be sure to have your Insurance Policy with you. In case you were not able to have your copy available after the disaster, at least know and remember your Insurance Company's name and contact numbers. It is not always relevant to remember only your agent's name for sometimes, he could represent various companies.
Prepare a Quick Household Inventory
It's always better to take a video of your whole household belongings every time you acquire a Home Insurance Plan. Keep a copy of this record and keep it in a safe-keeping vault outside of your house. It's always advisable to keep a bank deposit box for important documents like Insurance Policies, Property Title, etc.
Notify Your Insurance Company ASAP
It is important to notify your Insurance Company as soon as possible for the reason that you may have to avail of the Loss-of-Use Benefit in your policy if you have this feature. This could cover living expenses outside of your home while it is being repaired such as hotel bills, meals and other cost of living expenses. This will entitle you to receive immediate cash needed for your bills.
Start Filing Your Claim
You can't have your claim until you have everything properly documented. So, it would be hard for you to have a documented list of your household belongings if you don't have access to your damaged home. Only when you can gain access to your home once again could you properly document it. While you are waiting for the approval of the claim, you may make minor repairs but be sure to record every disbursement you make. Don't make any major repairs until your claim is approved.
How to Hire a Contractor for Insurance Claim
Find a reputable contractor to take care of your building or repair needs. A lot of contractors would always grab a chance like this to take advantage of your anxiety. They can always stretch your budget beyond the level of reasoning.
How to File a Life Insurance Claim
Filing for an Insurance Claim after the death of a loved is not really easy. However, it is at this point in life when you have to be practical. You need money more than anything to pay off the funeral cost, bills and even the family needs. It is hard to be left alone and face all these problems but you have to be thankful if the deceased love one had prepared you for times like this. As a survivor, we sometimes worry about things like these but a Life Insurance Plan is designed to give us less worries and ensures the deceased family that we won't have to deal with the financial problem as we grieved over the loss of a loved one.
Find the Life Insurance Policy
The Policy is an important document granted to the Policy Holder. This is badly needed when filing for an Insurance claim. Be sure to look for it if the deceased party had failed to inform you where he had kept it. You may keep in mind that this is a very important document, so the keeper might have kept it in a place not easily seen or recognizable. You may look in a plastic container or any sealed container large enough to contain it. It could also be kept in a small drawer of a cabinet in your head board or lamp stand cabinet.
If you can't find the Insurance Policy but you are sure that the decease is an Insurance Policy Holder, you may write to the American Council of Life Insurance (ACLI).For a small amount, the ACLI will conduct a search to find the Policy. The address is 101 Pennsylvania Avenue, NW, Washington, DC 20004-2500. Don't forget to include a self-addressed, business-sized envelope.
Contact the Company's Number Listed in the Policy
Try to contact immediately the contact number or numbers listed in the document. If you personally know the authorized representative or agent, you may as well contact him directly and tell him that you want to file a claim. The company's agent will always be ready to assist you in your filing. He will be providing you with forms needed for the application. Wait for any instruction that the Insurance Company will provide you.
Fill-up the Necessary Forms and Submit Requirements
After receiving the necessary form needed for application in filing for the Insurance claim, fill it up with all the needed information. Provide also the other requirements needed upon submission. The Death Certificate is the very basic of all requirements you may need to provide together with your Application Form. Decide How you want to Receive the Proceeds from the Life Policy. You may choose to receive the proceeds in lump sum, or opt to receive it in a form of monthly pension or simply leave the money in deposit for it to earn interest and dividends.
Wait for the Release of the Funds
Expect that your fund's approval for the claim will take more than a month to process as the Insurance Company still have to validate information relative to your application.
How to File Health for Medical Claims
If you have to pay for your medical bills, then you have to file for your Health Insurance Claim. Here are some helpful tips in making your claim:
Keep an Itemized Report
Be sure to obtain all receipts and necessary statement of accounts issued by the doctor or pharmacist. Summarize it, so it could be easily understood by the Insurance Evaluator. Attach it to your Application Form.
Fill-Up Your Claim Application Form
Contact your Health Insurance Company as soon as possible. You may get your Application Form directly from them after declaring your desire to file for a Health Insurance Claim. The Application Form is easy to fill-up but someone from the Insurance Company is sure to assist you if there are some items in the Application Form that you don't understand.
Scan or Duplicate a Copy
After filling up your form and submitting to the Health Insurance Company, be sure to scan it or have your duplicate copy to keep. This will keep you from inconvenience in case of loss or error in filing. You can easily file it again when needed. Review Before Submission. File your claim as soon as possible. Ask for assistance or inquire for any additional instruction or requirements. Ask how long it will take you to wait for the result and be sure to make a note of it in your calendar. If they failed to contact you on the given date, be sure to contact your Health Insurance Agent immediately.
Filing for an insurance claim can be tedious but in today's world where everything is fast-paced, having an Insurance Policy is becoming a necessity. Here is your guide on how to file your Insurance claim with lesser time, effort and troubles.


Article Source: http://EzineArticles.com/8800745
With continuous changes to the software industry, Claims Management Systems (CMS) have evolved with technology. These systems are equipped with newer capabilities to provide enhanced services to customers. In such situations, evaluating and selecting the right CMS for your organization could be a difficult task. In order to assist with this process, we furnish a few simple steps through which you can evaluate and choose the right CMS for your organization.
Check the efficiency and responsiveness of the system:
Efficiency
• Claim management systems are crucial to making the customers satisfied and to improve the overall performance of the company. A CMS should be able to manage the entire claim process - from the beginning to the final settlement. The software should help in organizing every file activity and maintain reports.
Responsiveness
• In addition to performance, a CMS needs to allow the user to run reports instantly. The ability to quickly access information will expedite the claims, allowing employees to return to work, and employers to save valuable resources.
• A transaction - accessing and saving a claim, creating letters, etc. should not take more than 10 seconds, and on an average it should be done only in a couple of seconds.
• While evaluating the performance and response time of the CMS, ensure to check them in a real time environment with and user data. This will give a complete picture of the performance and the responsiveness of the system.
Technology used in the system
Today, many organizations prefer browser based systems that help them simplify deployment, support, and allow for remote access.
• While evaluating the technology, check the type of database being used. It is important to choose the right database with a simple and efficient data model. This will help create reports and data mine independently.
• A critical issue that goes unchecked by many organizations is with respect to the reporting database. The reporting database should be kept separate from the transactional database as it impacts the system performance.
Security, confidentiality and hosting model of the system
Security and confidentiality of the data
It is the responsibility of the organization to keep the claimants information secure. In order to keep the data safe, it has to be encrypted with multilevel access passwords. All users should be given unique ID's and passwords with no plain text.
• To reset the password and protect system security, do not allow viewing of the old password.
• Data to the user and from the user should be encrypted using a SSL encryption. Along with this, user access permissions, levels of authority, hierarchy, etc. - are necessary to ensure security and confidentiality.
Hosting
• If your organization possesses adequate bandwidth and infrastructure for supporting new applications you may want to consider hosting the system.
• If not, hiring a reputable web host is you best alternative. Be sure to confirm the system is always accessible and is supported without any interruptions in the services. Additionally, in choosing a web host make sure that there is equipment redundancy and document backup to ensure data is replicated without any loss.
Functionality and features of the system
Functionality
• For every CMS, there should be some basic functional modules such as claim/claimant maintenance, notepads, diaries, reporting, payment and reserves, etc.
• Check the functionality that will help the examiners to focus on closing claims quickly. You can ask various questions regarding the functionality of the CMS, depending on your business requirements and workflow.
Features
• Check the features of the system and all the data categories that your organization needs.
• The system should enable users to build data fields as the organization grows and risks become more complex.
• Check for the software integration. This gives the new capabilities in settling the claims quickly and efficiently.
Vendor assessment
Once the system meets all the required guidelines, it is necessary to assess the vendor. In order to assess a vendor, several factors should be considered.
Clients' needs
• An efficient vendor should constantly work on improving the system, based on client needs. They should be to discuss new functionality and any challenges with implementing system enhancements. Ask any potential vendor how often they meet their clients for discussing such issues.
Other factors (past experience, etc.)
• Consider vendors past experience. How efficient they are in research and development of new technologies? How effective are they are in knowledge transfer?
• References would assist in choosing the right web host. This will provide appropriate insight to what a relationship with the vendor will be like in the future.
Pricing structure
• Pricing structure should be flexible for each client. Depending on size and need, each contract can vary greatly. Terms of payment should also be flexible in order to allow companies of all sizes to find a system that works for them financially. A CMS with many users should cost less per user than that of one with fewer users.
Following these points can help evaluate the claims management system (CMS) quality parameters, and check how well it suits your business.
JDi Data Corporation is providing insurance claims software for 30 years. The product suite includes workers compensation software and claims management systems for property and casualty, medical malpractice, risk managers, third party administrators, etc. JDi Data has built a reputation in quality claims management software with emphasis on complex litigation.


Article Source: http://EzineArticles.com/8858915
There are many things that you need to set in place when you first start out working as a courier driver. However, one of the most important things on your list should be to ensure you have adequate insurance.
Finding suitable insurance is essential. Not only is insurance a legal requirement, but a policy that covers all your needs will also serve to provide you with peace of mind while you work. Here is what you need to know.
Courier Insurance is not Standard
Insurance is a legal requirement for every driver - in fact, even if you are not using your van a lot, it must still be insured. However, if you use your vehicle to carry out delivery work, you should be aware that you'll need more than just standard vehicle insurance. As a courier driver, you will be considered a higher risk than other road users, because you will stop frequently, you have deadlines to meet, and you may also transport valuable goods that need to be covered under a policy. It therefore makes sense to spend adequate time researching the most suitable policy, even if that means spending a little more on it.
Different Types
There are different levels of policies that you can choose from. Everybody's circumstances are unique, so it is important to find the most suitable policy for your personal situation when working as a courier driver. Various factors could influence your insurance, from the type of vehicle you drive to how far you travel and how many drop-offs you make.
One of the most important things to look for is goods in transit cover. This provides coverage for all the cargo you transport, some of which may be very valuable. If you have an accident or the goods are stolen, you are liable for the damage or loss, and this could cost you a lot of money. So to have complete peace of mind you'll need to invest in decent goods in transit cover. (You should also find out what is not covered under a particular policy, as it may not include high-value goods like jewellery.)
Breakdown cover is another thing you should definitely consider including. This will provide you with protection should you experience problems on the road, as it can be very difficult if something goes wrong when you are working to a deadline.
Other things that may be covered in a policy include vandalism, overseas travel, public liability, employers' liability, personal belongings and replacement van cover. You may also want to get a fleet policy if you have numerous vehicles. It's important never to assume that any aspect is covered; always check the details carefully and understand exactly what you're covered for as well as how much excess you will have to pay when you make a claim.
Look Around for a Suitable Policy
When you start your research for insurance, always search around and get quotes from various providers, as they'll all provide slightly different policies at different prices. This is an important decision for any courier driver, so do spend some time over the process. And remember, don't simply buy the cheapest you can find - you need to make sure it really does provide the cover you need.
Norman Dulwich is a correspondent for Courier Exchange, the world's largest neutral trading hub for same day courier driver jobs in the express freight exchange industry. Over 3,000 transport exchange businesses are networked together through their website, trading courier jobs and capacity in a safe 'wholesale' environment.


Article Source: http://EzineArticles.com/8887121
The insurance company you choose to protect you from loss in the event of an accident or situation needs to be a trustworthy one. Know what to look for as you analyze and examine different companies and policies to ensure that you choose the right coverage.
Positive Ratings
Rely on the assessments of the rating companies, whose purpose is to analyze the quality and financial wellbeing of insurance companies. Check the rating of any insurance company you are considering. As you check ratings, compare them to learn which business has the highest rating. Higher ratings have a direct correlation with the solidity of the business and the services provided. Higher ratings also indicate entities with more solid financial standings for paying out claims.
Business Longevity
Examine the length of time a business has been operating to get an indication of the quality and reliability of its services. A newly formed entity may not be able to offer customers the same reliability and performance as businesses that have been around for many years. A recent purchase and transfer between insurers could indicate that the new owner is undertaking positive growth.
Customer Service
The services provided to customers by an insurance company will be an important indicator of quality. Optimally, customers should be able to reach representatives in a variety of ways, such as by phone, online chat, and email. The response times to customer queries should be relatively short to ensure that all questions and concerns receive a speedy resolution. Customers should also be able to reach a representative around the clock and on weekends and holidays for emergencies.
Coverage Policies
The policies provided should meet your needs, with cost effective premiums, affordable deductibles, and terms that meet your coverage needs. Compare policy terms between different corporations to ensure that you choose the policy that fits your budget and needs. Explore the claim-paying process to find out how the business investigates claims and the typical time period for payment on a claim. Find out the rate of claim refusal, also, so you know the average pay out statistics for the insurance company.
Reviews and Complaints
Learn about reviews and complaints recorded by other customers to find out potentially positive and negative information about the insurer. Find positive and negative reviews on websites that allow consumers to record their experiences for other consumers to read. These reviews may provide surprising information about an entity that could lead you to decide not to choose them as your insurer. You might also learn positive information about the way a business takes care of its customers. Optimally, the corporation you choose should have very few or even no complaints lodged against it from other customers.
Once you gather extensive information about a company, you will have the data you need to choose a quality business for your coverage needs. This will enable you to put your trust and confidence in this corporation, knowing that it will assist you financially if you need it.
When looking for a well-respected insurance company, PA residents visit The Nice Agency. Learn more about our services at http://niceinsuranceagency.com/.


Article Source: http://EzineArticles.com/8926859
Do I Need Public Liability Insurance?
If you are Self Employed, or own a Business you must have Public Liability Insurance in case of an accident. A member of the public, a contractor, Client or member of staff (if you are an employer) can claim compensation against you. As a tradesman or any worker on site - you have a Duty Of Care to those around you to work safely and with professional integrity - but accidents do happen, there will always be unexpected professional oversights. You must protect your livelihood in case someone claims against you - otherwise you could lose everything.
'Where there's blame, there's a claim' is our culture these day's, and accidents will always happen in the work place and on site despite best intentions and anyone who gets injured, or property becomes damaged as a result of you or your business could be eligible to claim against you.
The most common types of claims fall into a small number of categories:
• Slips, trips and falls-these make up the majority of claims, and are the hardest to prevent.
• Stress and anxiety, due to hold ups, for example Electrical malfunction, or delayed finishes to building projects affecting the next tier of tradesmen beginning - example: the plasterers run over the finish date which in turn hold up the decorators.
• Falling objects, i.e. striking against or struck by
Do I Need Professional Indemnity Insurance?
If your business offers advice you may also need 'Professional Indemnity Insurance', which covers you in the event you give incorrect advice and a business or client were to suffer financial losses as a result. This is also valuable for trades such as Financial Planning, Business Consultants and IT Consultants. This is not instead of Public Liability Insurance, some trades will need both.
Do I Need Employers Liability Insurance?
If you employ any staff, you must have Employers Liability Insurance; this is direct protection for your staff against any accidents or illness which is caused by your or your business.
Imagine if your administrator were to suffer symptoms of RSI while in your employment, or a gardeners apprentice was to suffer injuries as a result of having a go with a hedge trimmer while you were busy elsewhere? These are very real risks, and you are required by law to have this in place, for protection of those in your employment.
Example: Plumbers business - a customer moves some pipes that were left propped up against the wall in a bid to prevent them falling, in doing so they accidentally cause the apprentice to trip and fall, breaking his wrist. This requires 6 weeks off work on statutory sick pay while the injury recovers. The apprentice can now launch a claim against his employer for compensation, and loss of earnings, as the injury was caused by the client in the workplace.
Call Tradesman Shield on Freephone 0800 612 2007 for a free quote or visit:
http://www.tradesmanshield.co.uk/ for an online quote now!
Free advice about Public Liability Insurance, Professional Liability Insurance and Employers Liability Insurance from FCA approved advisors. Premiums starting at £40 per year!


Article Source: http://EzineArticles.com/8962058
Running your own business can be a rewarding experience.
You can make your own decisions, avoid the daily commute and choose to work only with those people with whom you feel compatible.
That is not to say that it is all plain sailing. You may have to deal with unhappy clients or customers, there will always be one or two that don't pay your invoices and you also bear the costs of both buying, maintaining and replacing equipment.
There are several types of insurance that can take some of the potential worry out of being your own boss, depending on the nature of your business and its location.
If you are providing services primarily from an office, are you working from home? Do you have customers or clients coming to see you?
If you are working from home and do have visiting clients, you may have to consider taking out some form of public liability insurance since you might be liable to a claim if they suffer an accident or injury while on your premises.
While you may do your utmost to provide the best service possible for your clients, problems can occasionally arise where a client is dissatisfied with the work. Professional Indemnity insurance is offers professionals with the protection they need against liability as a result of such claims.
Whatever the type of business it is likely that you will have to provide your own equipment to do the job. This can be anything from IT equipment to the tools of a trade. Setting up with the right gear can be costly and if anything is either damaged or stolen the consequences if you are self employed can be considerable if it means you are unable to continue earning a living.
It is particularly important to those whose business means they have to visit customers' premises to carry out work, meaning they will have to have a van and carry their equipment and tools with them.
In some cases loss of or damage to essential equipment can be added to a professional indemnity policy but it may be that the limit on the value of what is covered means that it would be better to take out separate cover for expensive tools and equipment, as well as van cover.
Specialised professional insurance for anyone who is running their own business can take away a lot of the worry and uncertainty that comes with the territory.
City insurance the world class insurance services provider Company. Get Business insurance services in a second.


Article Source: http://EzineArticles.com/8969861
With a wide range of insurance products available today it is important to understand the differences and benefits to you and your specific situation. A basic portfolio for any person but more specifically for a self-employed person should encompass the 4 following aspects.
Disability
By far one of the most important products for anyone, specifically self-employed people is disability insurance. We all work to handle our weekly and monthly expenses in addition to providing the "little extras" if we have anything left over. Employees of a company for the most part will have benefits provided to them however, being self-employed our livelihood depends on our ability to go to work and earn an income. In the event your ability to work is suddenly removed, disability insurance could be the key to your survival. Your income is the fuel for everything. Remove that and over time all else will fall apart.
Life Insurance
Life insurance has so many uses that it could essentially apply to everyone. However, the general consensus of life insurance is that it is suitable only for people with a family. This couldn't be further from the truth. Life insurance can be used to protect a debt over a period of time, provide for your survivors after final expenses, or give to a charity upon your death. For people who would like the idea of having a benefit as well as a savings or investment vehicle, life insurance could also be an option for you. Life insurance must be carefully evaluated to ensure that it is structured properly based on your specific situation.
Critical Illness
In my experience I have seen this product misunderstood the most. The important thing to understand about CI is that it will pay a lump sum benefit in the event you're diagnosed with a "specific" covered illness. Most CI products will protect against heart attack, cancer, and stroke however, each policy will differ between companies for other covered illnesses beyond these. Do not make the mistake like most do in thinking that this operates like disability insurance. Yes, they are both living benefits but they provide protection in varying ways.
Investments
Within financial circles it is encouraged to have a minimum of 6 months of disposable "liquid" income saved. For most people this is a tremendous feat and some people often throw their hands up in the air and forfeit the idea that they too can have investments. Life insurance can be designed in such a way that not only do you have protection but also an accumulating asset. Outside of life insurance there are many ways to protect and grow your money. The concern for most people is having a large sum of money lying around to be able to invest.
If having a large starting capital is a concern of yours like it was for me, then I welcome you to consider an alternative to the "traditional investments and savings plan".
If you want to learn about one of the greatest financial instruments on our planet today which can be an alternative to the "traditional investment and savings plan" click here.
Ryan Forrester is a licensed professional in the financial industry, and has participated in the direct-marketing and sales industries since 2001.


Article Source: http://EzineArticles.com/8972507
The phone rings and the first question is "why do I need an appraisal for my taxidermy mounts"? Answering this question is easy, do you realize what you have invested in your trophies? Do you know the current replacement value of each taxidermy mount? Most hunters have never stopped to actually think about the investment that they have in all their taxidermy mounts. Also they don't have a list or pictures of each mount.
It is very important to have all your mounts cataloged and multiple photographs of every trophy mount available incase of a disaster. Keeping an electronic copy in the cloud or burnt on a CD in multiple places is and excellent idea. You could also have a bound copy or two at different locations, copies can be printed and bound at most office supply stores.
I would highly suggest getting a certified personal property appraiser to do this all for you, they will provide you an insurance appraisal. This report should include three photographs of every taxidermy mount along with the current replacement values for each trophy. The appraiser should deliver to you at least one printed and bound report and a PDF copy of this report. I would suggest burning the PDF on a number of CDs and file them away at other locations then where your trophies are located.
So the answer to why you need an insurance appraisal for your taxidermy mounts is because you don't have one and the information is vital to have available. Getting an appraisal is a small investment to cover your large investment. Your appraiser is required to keep on file your information for 5 years, this is another place where there will be a copy of your investment in your taxidermy mounts.
You can search taxidermy appraiser and find a qualified person on the internet, feel free to call them and ask questions.
Taxidermy Appraiser available at http://www.Aunmatched.com and https://www.facebook.com/aunmatched


Article Source: http://EzineArticles.com/9016067
A newborn baby brings bundles of joy and happiness in the family. When a baby is born, it is said that the parents are blessed with the baby. This statement in itself is sufficient to explain the importance of a newborn in the family.
It is the prime responsibility of parents to take care of the newborn in the best possible manner. There are times, when a baby requires to go through some immediate medical care in order to adjust as per the world. Sometimes, babies are born with some birth related issues and thus, require treatment.
In India, a large number of people get health plans so that their health care needs are met. If you are working in private sector, then your company may have taken a group insurance policy under which maternity is covered comprehensively.
But, most of the times, medical insurance including the group insurance policies do not cover a newborn baby. The reasons are quite apparent. There are lot of possibilities that a newborn requires medical treatment immediately after birth and thus insurance companies do not want to spend their revenues on such well-recognised possibilities.
Is there any way out? Yes, of course, if your employer's group health insurance policy does not cover newborn baby, do not worry. There are some specific health plans, which cover newborn babies right from the birth.
In order to avail this facility, you have to buy a separate policy. Star Comprehensive Insurance, for instance, is one such policy which covers delivery related complications as well as the newborn baby.
The plan covers delivery whether it is normal or caesarean plus all the pre-natal and post-natal expenses are also covered up to a certain limit. This limit is ascertained as per the amount of premium you pay.
The plan also covers vaccination of the child. Yes, only a handful of plans cover vaccination because that is a sure shot expenditure one must incur.
The only thing which you have to take care is that you have to be the policy holder for at least thirty six months prior to taking the above benefits.
Religare also offers a health insurance plan called 'Joy', which covers maternity as well as newborn baby without any condition on a specific period.
If you have any other Medical plan, then you must check its conditions. Most of the times, policies provide coverage to newborn babies after 90 days of delivery. This way, a health insurance companies saves itself from settling claims arising out of health care for the newborn baby.
Comparing health insurance plans is a cake walk, today. Just visit a credible insurance comparison portal and shortlist the best-possible plans. The best part is that you can buy your insurance plans online and make payment through credit card. This provides you benefits of cash back and credit period offered by credit cards.
Plus, you become eligible for better coverage and facilities since your health insurance company does not have to pay hefty commission to an insurance agent. This benefit is passed on to you, in many ways.
So, what are you waiting for? If you are expecting a baby in your family, go for a health insurance plan and bury the worry!
http://www.PolicyX.com is an IRDA approved insurance comparison portal [Policyx.com] helping consumers compare, choose and buy policies online. We provide health, motor, life, travel & corporate insurances from a wide range of insurers.


Article Source: http://EzineArticles.com/9016199
HOW TAXES AFFECT BONDING
When contractors pursue bid and performance bonds, there is a submission process through which a body of underwriting information is developed.
Many applicants liken the process to making application for a bank loan. The irony is that the process is in fact similar, and bonding companies view the issuance of bonds like to giving of surety credit.
One would assume that financial statements and tax returns will be needed by the banker. They also know that personal credit reports and a business Dun and Bradstreet report will be reviewed by the lenders. This line of thinking can prepare the contractor for the questioning process associated with bonding.
There are many factors that contribute to the underwriting decisions on bonds. The contractor's history is considered along with credit and financial analysis, estimating, project management, equipment - a variety of elements.
For many contractors the process of seeking surety bonds is mysterious and frustrating. Not having them can prevent the company from graduating to larger projects and greater financial success. Seminar attendees often ask us for the silver bullet. "What must I do to get bonded?" So now we reveal what, for many, will be the key to qualifying for bid and performance bonds:
Pay More Taxes!
Sound crazy? Often company managers struggle to manage (reduce) tax payments. They feel a low bill (or no tax bill at all) is proof of a successful financial strategy. So why can paying more taxes help the company qualify for bonds?
Surety underwriters intend to write bonds for successful firms that are likely to succeed on their bonded contracts. What better sign of success than to have made a profit in the prior year? Profits prove the vitality of the company. They show that company management acquired enough work, with a sufficient margin and controlled expenses, resulting in a net profit. The point is - you only have taxes if the year was successful and the company made money. The profits strengthen the foundation of the company assuring continued stockholder and creditor support. Profits and growth are all elements that, when combined with other relevant factors, lead to confidence on the part of the underwriters. That's when bonds get issued!
Summary:
Paying taxes is an important part of bonding not because the taxes are beneficial; but because the tax payment is indicative of good record keeping, profitability, cash flow and growth all of which are good for the company and the surety that supports it.
Steve Golia is an experienced provider of bid and performance bonds for contractors. For more than 30 years he has specialized in solving bond problems for contractors, and helping them when others failed.
Steve Golia brings underwriting talent and market access to his clients. This is coupled with spectacular service and great accessibility.
Contact Steve Golia today and discuss how you start a new bonding relationship for your company, or increase your current bonding capacity. Call 856-304-7348 and visit http://www.BondingTips.com for more info.


Article Source: http://EzineArticles.com/8568257
Before taking an insurance policy, it is important that one considers a number of crucial factors to avert losses or regrets. The insurance industry is undergoing exponential growth compared to earlier years. In most countries, the middle class is growing rapidly. Such people have spending power. By the time a person reaches 35 years of age, barring other eventualities, there is a profound sense of the need to prepare for a future devoid of employment and concomitant income. Insurance companies fill this gap. Despite this, it is imperative that one understands what he or she is committing to before taking an insurance cover.
To begin with, one needs to fully comprehend what exactly they want for the future. Insurance is primarily meant to cushion one during unexpected events. It is also a form of saving for one's future and that of children. Consequently, one needs to have a clear idea of their need for a policy. For example, there are insurance policies covering children's education. Some policies cater for the beneficiary after retirement from active employment. Unless one has a well-defined plan in place, insurance will be a disappointing venture. It is imperative, therefore, to gather relevant information on the policy you are interested in, before making a decision.
Second, before taking any insurance policy one needs to consider whether he or he can finance it. Never forget that you are the beneficiary, but also the contributor. Insurance companies are saving money for you for another day, when you will need it most. Why then should you buy a cover which you cannot finance based on your income base? Remember that you will pay the premium as well as regular installments. Bear in mind that in some cases, the amount you will pay will depend on some criteria. In life insurance, for example, the amount you pay depends on your current health status, your lifestyle, age and profession, among other factors.
Finally, insurance is an industry that has its language and terminology that you need to understand. Do not rush to sign on the dotted line unless you understand what you are committing yourself to. If you are not conversant with insurance or financial matters, enlist the aid of a friend who does. You may also consult an expert. Read through the document several times. Ask for clarification, where necessary. Only when you are sure you understand all the stipulations, especially on your contributions and benefits, should you take an insurance policy.


Article Source: http://EzineArticles.com/8558141
Event insurance is a prerequisite when you want to hold an event or a special occasion. This can also cover an exhibit in a trade show to promote a product or a service. The coverage offers protection from loss or a misfortune. The insurance can cover your property, products and services, life, accident or and disability.
One of the reasons why event insurance is beneficial is because it can cover different events. Although you get one policy, the coverage has many uses. You can take this policy for a business conference, trip, speaking engagement, parties, weddings and seminars. Anytime there is an event taking place, there is usually a form of security deposit that is at risk. With this insurance, the loss of this money is prevented. This insurance is an effective approach to manage financial losses. Here is the coverage that you should expect from this insurance:
1. Cancellation of the event. This also includes postponement or relocation of the event. There are times when you plan an event but needs to be cancelled last minute because of the weather, strike, natural disaster or terrorism. No matter how much you plan for an event, there are cases where there is low attendance or losses because of unavoidable circumstances. Event liability insurance will assist in recovering from the losses you incurred in planning and other costs of the event. This insurance can also cover product liability so that you can enjoy yourself in the event without having to worry about the safety of your guests.
2. Special event insurance is the best cover for exhibitions and trade conventions. This is very important for your business as accidents usually happen when we least expect it. Although you can consult an attorney and file a claim, the best recourse is to rely on this cover to immediately assist the business in recovering from the loss.
3. People who are celebrating an occasion such as a wedding or a party can obtain one day event insurance. You are usually held legally responsible should an accident happen that leads to injuries of those in attendance. There are cases where it might be difficult to repay everyone or take care of health costs in the event of an accident or injuries. Additionally, you might have hired premises and damaged the property. These accidents happen. It means that there are certain administrative charges that you will need to pay for the losses. With this insurance, you can be sure that the cover will be of assistance.
Event insurance comes in different packages. You need to speak to the insurance agent on the coverage that best suits your needs. Visit http://www.theeventhelper.com for more information.


Article Source: http://EzineArticles.com/8561024
If you run a little business, it is essential to prevent yourself from significant failures whenever possible. Operating an organization is not simple, and unique can destroy your improvement and prevent you from accomplishing your goals. To secure you from any serious difficulties, it is a wise decision to get operating insurance strategy. There are wide ranges of programs for professional organizations that protect any variety of factors, and you should consider the benefits of having your own unique plan.
Whether you own a furniture store, a cafe, a technology firm, or an HVAC company, you can benefit from business insurance strategy. Companies that provide professional programs will continue to perform with you to select a specific strategy that meets your actual needs. Some people want security for residence loss. This can include security from overflow, fire, wind, and mishaps. Others want responsibility. This type of security can protect workers comp in the occasion of an accident, repair conflicts, and employment practice problems. Without being covered strategy, it is possible you could lose a lot of money if someone you employ or perform with has a case decided in his or her benefit. By assuring your company, you will be able to afford any payments that are required as part of an agreement.
No industry is too large or too little to be covered. Even if you are self-employed, it is a wise decision to have a strategy in place to help you maintain achievements. Commercial methods often need the same guidelines and business insurance coverage as people. This includes vehicle and residence security. To maintain a successful business, it is essential to be able to take difficulties in pace and focus on long-term achievements. Injuries in the office or failures that result from functional problems are inevitable. While you can take every safety measure to enhance the way your company functions and apply new guidelines, you are still limited to hit a push or two. Increasing a little business is not simple, and there will be growing discomfort along the way. By assuring yourself and your company, you will be able to quickly, move beyond any difficulties you may face.
Whether you are getting ready to start a new professional business or you have been running an organization for quite some time, there are always ways to enhance your business insurance strategy plan. As your function changes and develops, so should your plan. Insurance providers provide many types of programs to provide a wide range of people. Some professionals want programs with comprehensive security and little insurance deductibles. Others want to secure themselves from a disastrous occasion. No matter what your budget may be, you will be able to discover the right strategy at the right price. Discover an insurance provider in your area who can provide the actual kind of security you need.
We are specialists for contractor insurance in The Greater Toronto Area and all across Canada, Ontario. We currently insure thousands Independent contractors in The Greater Toronto Area and across Canada, Ontario. Read More on Business Insurance


Article Source: http://EzineArticles.com/8579900
Life can bring a series of good and bad events. There are happy times to be celebrated and milestones to be conquered. At some point in your life, you will suffer from an illness, accident and incident. You will also need to think about saving, protecting your investments and securing your retirement. This is the reason why you need to consider having insurance policies to cover different aspects of your life. Nowadays, insurance is available for literally everything, including natural disasters and insurance for different parts of your body.
Once you purchase an insurance policy, you need to know what is happening in the industry. This is why insurance news is available. This news is available to allow clients to know of new policies, new insurance regulations and how it affects their policies. Every day, the insurance industry is faced with challenges as well as opportunities to provide better services for their clients. This usually depends on the situation of the country. Here are some important areas of the insurance industry that you always need to stay updated:
• Health insurance: Whatever happens in the medical field will definitely affect your health insurance. Health insurance news also includes healthcare reforms that the government puts in place, medical malpractice lawsuits and diseases. There are certain times when policies become favourable to clients especially when the support of the government and other stakeholders is initiated. Following this news will ensure that you are aware of the new policies available, medical costs that you are exempted from and the benefits of having the health insurance policy that applies to you.
• Auto insurance: We use our cars on a daily basis. Indeed car accidents also occur daily. This makes it mandatory to have auto insurance. The insurance industry news will cover this sector to inform their clients of new regulations in order to stop accidents and incidences on the roads. Additionally, in cases where the automobile industry is facing challenges in a particular area such as the weather, the insurance company will be involved in coming up with solutions to tackle challenges that the weather brings on our roads.
Insurers as well as the stakeholders are always looking for reforms especially in areas such as healthcare reform in order to satisfy the needs of their clients. This information will always be available in the media, their websites and other social media networks. It is important to stay informed with the news as whatever happens in the insurance industry will affect you, your money and everyone that is connected to you.
It is important to be updated of insurance news so that you can take advantage of the opportunities and threats in the insurance industry. Visit http://www.liveinsurancenews.com/ for more information.


Article Source: http://EzineArticles.com/8570360
Healthcare exchanges are a hot topic in the news today, but many people don't have an adequate understanding of what these organizations are, what they offer, and how to use them effectively. This guide will help the layperson gain a deeper, practical understanding of the process and their purposes.
Healthcare exchanges are also known as health exchanges and health insurance marketplaces. These organizations help those who use them to purchase health insurance in their local region. Typically, when people refer to a healthcare exchange, they are describing the organizations particular to each state in the United States. These organizations were formed due to the Patient Protection and Affordable Care Act. This help citizens by consolidating health care plans from various insurance companies which meet government regulations and standards in one place for easy comparison. They also help citizens to identify which plans are available with the assistance of government subsidies.
Healthcare exchanges are an important part of the Affordable Care Act (sometimes called Obama Care). They create a one-stop marketplace for Americans, allowing them to compare and contrast different plans in terms of coverage, cost, benefits, and financial aid. All insurance policies that part of a government regulated healthcare exchange must offer certain features. For example, they can't deny individuals or families coverage based on pre-existing conditions. They must also offer a benefits package which includes basic coverage for health related emergencies as well as adequate coverage for preventative healthcare.
Insurance companies that participate in a healthcare exchange also can't discriminate based on gender. This is an important consideration because of the different healthcare needs of men and women; insurance companies can't charge either gender more under these regulations. Also, insurance companies that participate in these marketplaces are not allowed to enforce spending caps on a yearly basis when it comes to basic benefits. These benefits include all emergency services, necessary hospitalization (in the event of surgery, for example), maternity services like maternal care and newborn services, substance abuse treatment, psychological and psychiatric counseling and medical services, and prescription drugs. In addition, they must cover rehabilitation and habilitation for those who have disabilities, chronic illnesses or conditions, or injuries as part of their basic coverage. Laboratory tests, pediatric medicine, and wellness medical services are also required coverage. These basic benefits are considered to be essential benefits by the healthcare exchange.
Individuals in the United States are required to have health insurance coverage, due to the individual mandate provision of the Affordable Care Act. This provision is sometimes referred to by different names, including the mandatory minimum coverage requirement or the shared responsibility requirement. However, regardless of name, it indicates that those who are not covered will be subject to a fine or fee which starts at about a hundred dollars annually. It can cost up to one percent of an individual's income if they choose not to get health insurance which fits the government's minimum requirements. Choosing healthcare through a healthcare exchange is often the best and simplest way to avoid this fee.
For more information on this topic, you may visit the following website:


Article Source: http://EzineArticles.com/8591043
In Germany some types of insurance are mandatory: for example, health and vehicles insurance.The most important insurance for you to have in Germany is third-party private liability insurance. The essence of it is that the third party (insurance company) will be responsible for all losses you have caused in case of neglectful behaviour.
Casual carelessness involves a variety of acts: breaking a glass in a café, or provoking an accident when not taking traffic lights into account, or whatever else. If you have a pet, for example a dog or a horse, you have to insure them separately, so that in case they caused trouble you can receive a compensation from insurance company and pay out losses. Third-party private liability insurance ensures protection for people with different activities (like driving, sailing, etc.). However, it does not insure hunting, for which different insurance policies are needed.
The duration of third-party private liability insurance is usually either three or five years. It should be noted that you cannot cancel your contract before the end of term. So it would be better to use an annual insurance, which can be prolonged or cancelled at the end of the year and leaves you with more space for choice.
Another useful type of insurance is household insurance, which can compensate you for the loss or damage to your property. The term of property here includes nearly everything: household appliances, clothes, dishes, windows and so on and so forth. However, if there is someone else's property located on the territory of your household, it has to be insured by its owner, not by you.
The insurance policies are paid to you if your possessions were damaged as a result of water/ fire accidents, burglary, and hooliganism. You should remember that you have to inform your insurance company if you are leaving your home for more than sixty days.
If you hire a flat or a house, you have to bear in mind that your household insurance will not compensate you for the damage of the flat or the house.
If you possess expensive things, you can use complex insurance policies, which encompasses various types of damage.
For cyclists in Germany insurance is almost mandatory, as the number of bicycle thefts is quite large. It is also useful to have such insurance if you have two or more bicycles. Some insurance policies may include bicycle insurance, but not all of them, sometimes you have to do it separately.
Self-employed people must insure their working equipment by themselves, while usually this is done by an employer.
As in the previous case the duration of the household insurance is either three or five years and you cannot cancel your contract before it ends. So, again, it's better to use an annual insurance in order the have a possibility to quit if you want.
A very useful insurance for foreigners in Germany is legal assistance insurance. It frequently happens that foreigners face various situations (conflicts with employers, neighbors, road accidents, etc.), which are different from how they can be dealt with at their home countries. Legal assistance insurance compensates you for all court expenses. It should be noted that trials in Germany are expensive. All fees are to be paid beforehand. The amount of fees usually depends upon the disputed sum. For example, if it accounts for 10 000 euros, the fees can be up to even 9 000 euros. So, if you have the legal assistance insurance, the insurance company will pay out your expenses. Also, such insurance usually covers the loss of driving license, losses caused by conflicts with tax authorities, landlords, inheritance advices, etc. However, family issues are not included.
You may also use insurance for death and disablement. People usually try to avoid even thinking about it, but it's obvious that life is too unexpected to be careless about it. The amount of money paid to your family in case of your accidental death or life-threatening injury exceeds your annual income by five to six times.
In case of injuries such as loss of a finger the compensation is equal to thirty per cent of your annual income, for the loss of a leg - fifty per cent, for total blindness - 100 per cent.
You can also use term life insurance, as it provides your family with compensation after your death. The compensation is paid for any cause of death. The insurance itself is not expensive. In order to get it you have to provide the insurance company with your medical history.
If you travel much, annual travel insurance will be quite useful. It provides you with complex insurance for each journey. You face no restrictions on where to travel, how and how many times. If your trip is supposed to take longer than forty-two days, you will have to inform your insurance company beforehand.
The annual travel insurance will pay you back in case you need to finish your journey earlier than you have planned. If your trip costs you more than 500 euros, the insurance company can compensate the refuse to go on a trip, but such service is not common and is negotiated separately.It would be wise to buy the annual travel insurance which provides compensations for hospital treatment and emergency costs.
Also, if you have lost your travel baggage (or it was stolen), the insurance company usually pays back the cost of your possessions.
Insurance companies offer a very wide range of services. For more information it is better to contact them directly.
For more information about foreign countries visit [http://foreign-living.com/] Foreign living is an article archive and Q&A forum for foreign peoples in Australia, Germany, Canada and USA.


Article Source: http://EzineArticles.com/8582256
Why do we buy insurance? The answers could vary as per different needs. Insurance could be for the sake of financial protection, it could be a tool used as pure investment and for some it is just another means for Tax savings. Insurance plans available in the market are designed to cater different needs, thus one should buy insurance not just because one needs too but there has to be a definite reason and purpose for the same. There is no doubt that in many cases the purpose is sole tax benefits offered by the insurance plans. The "insurance" element is largely undermined at times.
The main purpose of insurance is providing financial protection to the dependents in case of untimely death or disability of the breadwinner for the family. Thus insurance should be treated mainly as per individual needs and then for the tax benefit purpose.
Let's understand the two traditional insurance plans and see which would be a better choice..
Term Insurance:
A Term Life insurance Policy is one of the most basic plan available in the market. Since it is the oldest type of policy available most new or young clients prefer beginning with it and then as years go by switch to other different policies as it is easily available with least premium amount thus making it the most preferred insurance cover for young first time clients.
Term insurance policy provides pure death risk cover with no further benefits attached unlike other insurance policies which provide for survival benefits as well. The term insurance policies are time defined with no claim paid once the policy duration expires i.e. These policies are limited time based which implies that the family gets the claim in case of untimely death which occurs during the policy period not beyond the term for which the policy is taken. No payment received if the policyholder outlives the term of the policy. Upon expiration, the policyholder may decide to either renew the policy or let it lapse. If the policy lapses, there is no reimbursement of the premium paid over the life of the policy.
In case of term insurance the premium component is least in the initial period or if the policy is taken at a young age but it rapidly increases with the age of the insured. This rapid increase is due to the mortality rate being higher as age increases.
Benefits:
The term insurance being a pure death cover is used to support the family in case of untimely death to repay any outstanding post-death liabilities.
Endowment Plan:
The Endowment plan is a combination of both insurance and investment. This plan covers the risk for a specific period and in case the policyholder survives the period the sum assured decided at the inception of the policy is made to the policyholder in the form of survival benefit. The premiums in this case are much higher than premiums for the term plans.
In case the policyholder dies during the term of the policy, the nominee is paid the sum assured along with the accumulated bonuses also known as the death benefit. And in case the policyholder survives the term the sum assured and the accumulated bonuses are paid as the survival benefit to the policyholder.
Since this plan provides guaranteed returns there are certain terms and conditions attached.
1) If the policyholder surrenders the policy within the first 3 policy years, he is not entitled to any surrender value.
2) If policy is surrendered after 3 years the surrender value received is less than the total premium amount paid for the 3 years.
3) The Bonuses are not guaranteed and generally paid only in case the company registers profits.
Now, having seen both the plans let's compare the two plans:
Insurance theory stands on the principle of keeping insurance and investment apart and never mix the two. Thus, keeping this theory in mind term insurance is a better option since there is no investment element involved and thus no returns on maturity. The premium amount in case of term plan is less since it charges premium only for the protection and not investment whereas in case of endowment the premiums are loaded since it involves both investment and protection. The premiums in case of endowment is more since the premiums are invested in over instruments after deducting the insurance, mortality and other charges and return some part on maturity. The returns in case of endowment are much less compared to the premium paying terms selected.
Thus, all the above factors indicate that the Term Plan has an edge over endowment plan!!!
Rahul Kumar is the blogger and Full time writer in PolicyX. In this article he explain about Online Term Plan is one of the most basic plan available in the market. You can compare Term insurance plan in india in few sec.


Article Source: http://EzineArticles.com/8582499

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