You may qualify for a discount on your auto insurance if you are married. If you are merging two households, you may also need to update your homeowners’ insurance. Consider increasing your insurance for any new valuables received, such as wedding gifts, and for jewelry, such as wedding and engagement rings.
On the other hand, if you got divorced over the past year, you’re most likely not sharing a car or home with your ex. Inform your agent as soon as you make it final. You will need to make changes to your auto and homeowners’ policies. www.themiagroup.com
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If your new property is close to the water, be sure to ask about flood insurance. Damage to your home or belongings resulting from flood is not covered under standard homeowners’ insurance policies. Flood insurance is available from the National Flood Insurance Program (NFIP), as well as some private insurers, and is generally sold through private agents and brokers.
enter your address on the NFIP website http://www.floodsmart.gov/
4 things to do to protect your jewelry February, with its hallmark Valentine’s Day, kicks off the season of marriage proposals – and the giving and receiving of engagement rings. Were you lucky enough…
No Title No Description http://www.propertycasualty360.com/2016/03/25/do-you-know-the-difference-between-extra-expense-c
Three tips to keep your workers compensation premiums down:
1) Make sure your workers comp classification codes and rates are correct.
Determining the proper classifications for an employer is not easy and sometimes can be quite difficult. With nearly 700 different codes available for use it is certainly easy to see how mistakes or errors in can be made. Misclassification of employers operations occurs each and every day. Many employers go for years being slotted into wrong, more expensive class codes resulting in thousands of dollars of overpaid workers compensation premium. Determining and applying the proper workers compensation code is directly related to how much premium an employer pays.
These classification codes can have a great impact on the premium you pay for your workers comp policy. So It is important that businessowners correctly describe the nature of their business and the roles of each employee.
2) Create a company Safety Manual and hold frequent staff safety training.
Developing a safety manual not only protects workers, but makes good sense. A safety manual could result in substantial savings in workers compensation costs.
The materials in this handbook are based upon Federal OSHA standards and other requirements in effect at the time of publication and upon generally accepted principles and activities within the job safety and health field. They should be useful to small business owners or managers and can be adapted easily to individual establishments. – https://www.osha.gov/Publications/smallbusiness/small-business.html
3) Research and place safety measures specific to your industry in your workplace.
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5 Tips to Preserve Your Home for Safety and Profit Your home means a lot to you and is one of the most valuable assets you have. There are simple ways you can preserve…
It’s generally cheaper to add your teenagers to your auto insurance policy than for them to purchase their own. If they are going to be driving their own car, consider insuring it with your company so you can get a multi-car discount. And choose the car carefully — the type of car a young person drives can dramatically affect the price of insurance.
Also, encourage your kids to get good grades and to take a driver training course. Most companies will give discounts for getting at least a “B” average in school and for taking recognized driving courses.
If your teenagers move at least 100 miles from home — for example, to go to college — you can get a discount for the time they are not around to drive the car (assuming they leave the car at home).
10 Reasons You Should Have Business Insurance Every business is different, and therefore the insurance needs of every business are notably different. However, there are practical rules about the general insurance needs of a…
Quote from Ryan Hanley, Trusted Choice
Some business owners who work out of their home might think that they don’t need insurance at all. But that isn’t the case.
Hanley explained in a phone interview with Small Business Trends, “If you run an Etsy store out of your garage and you keep all of your products and supplies out there. Say your house burns down and all of that is gone, your homeowners’ policy isn’t going to cover that.”
Contrary to popular belief, homeowners’ insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners’ policy to cover normal business risks such as property damage. However, homeowners’ policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.
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Why Google couldn’t ‘Compare’ with local agents Well, the word is out: Google Compare is shutting down operations by the end of March. Begun in 2011 as a full financial services platform for banking,…
Giving your home a new look or makeover can make it feel like new and more welcoming to family and friends. Read what Jacqueline Cao over and Lifehack has to say…
http://www.lifehack.org/512132/6-ways-upgrade-your-home
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How to Handle your Property Damage Claims after an Auto Accident
5 liability issues restaurant, bar and tavern owners need to watch out for From running the business, handling the purchasing and managing staff to attracting customers, a bar’s liability for an intoxicated patron isn’t…
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Buckle Up: All 50 States, Ranked by How Likely You Are to Die in a Car Accident
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Save up to 15% if your home or business is equipped with qualifying devices such as a security system or fire alarms. In 2011, the Electronic Security Association (ESA) studied the effect of a…
The Hilton Head Motoring Festival & Concours d’Elegance Is About More than Cars
Does homeowners insurance cover termites?
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Do you know the difference between Extra Expense coverage and ‘expense to reduce’? The term “Extra Expense” is often misused in the context of a Commercial Property claim. More importantly, Extra Expense is often…
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If you commuted regularly to your job, in retirement your mileage has likely plummeted. If so, you should report it to your auto insurer as it could significantly lower the cost of your auto insurance premiums. Also, drivers over the age of 50-55 may get a discount, depending on the insurance company. Save today 516-216-4034 www.themiagroup.com
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Insuring Fine Art: Collectible Comics & Memorabilia
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Do you collect wine? Here are some tips for keeping your bottles safe
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