-
INDIVIDUAL -
BUSINESS -
INFORMATION
20
MAR '23
House renovation insurance Your homeowners' insurance premiums depend on factors like your home's size, condition, and location. Furthermore, the cost to rebuild your house also determines the amount of your home insurance, so what happens if those factors change? Suppose you add an extension or update the fittings in your bathroom. Will your homeowners' insurance cover renovations? If you plan to renovate your home, here's what you should know about house renovation insurance. [...]
20
MAR '23
How to negotiate a settlement with an insurance claims adjuster Whether you’ve been in an auto accident, had your car stolen, or it has been otherwise damaged, you will need to file a car insurance claim with your insurance company. As you take the necessary action to be compensated fairly, negotiating a better settlement on your car insurance claim can be stressful. The insurance adjuster’s role is to resolve the claim as quickly as possible and as cheaply as possible for the insurance company. [...]
19
MAR '23
Inland marine insurance Contrary to what is suggested by its name, inland marine insurance isn’t designed for boats. Its name derives from “ocean marine insurance,” when ocean shipping was predominant. The original name of this insurance was modified to “inland marine” as inland shipping methods developed over the years. These days, inland marine insurance is designed to protect your business property when it’s in transit or storage somewhere other than your primary business location. [...]
19
MAR '23
Permanent health insurance in 2023. What is permanent health insurance? Many of us would find it challenging to pay for our outgoings, such as mortgage and rent, if we lost our income due to an illness or accident. That's where permanent health insurance comes in. This insurance type is a long-term policy that ensures a steady income stream until you can return to work or until you retire. [...]
19
MAR '23
What is voluntary life insurance? Types of voluntary life insurance. Standard life insurance can help to protect loved ones, providing financial security in the event of a death and when a main source of income is lost. Voluntary life insurance is a form of life insurance purchased by employers that employees can opt into upon employment. However, most employees must keep the policy active by paying scheduled premiums. This guide will cover how voluntary life insurance can benefit both employers and employees. [...]
18
MAR '23
Business income insurance in 2023. What is business income insurance? Suppose a business suffered a fire and had to stop trading. In a situation like that, the business' revenue may decline or stop altogether. While property coverage will protect the business from physical damage, business income coverage could protect against financial losses when the company cannot operate. Table of contents What is business income insurance? Who can benefit from business income insurance? [...]
18
MAR '23
Guest house insurance in 2023. What is guest house insurance? Running a guest house or a bed and breakfast business can be very rewarding but comes with many risks. The best aspect of running a guest house may be providing a welcoming stay for your guests while being your own boss. With that comes the risks you must consider, from damage to your guest's belongings to faulty freezers or a kitchen fire. [...]
17
MAR '23
Athlete Insurance in 2023. What is athlete insurance? From professional leagues to amateur clubs, all athletes understand the risks associated with their chosen sport. To mitigate the risks they face, athlete insurance is a must. Athlete insurance, also known as sports insurance, is a broad term that generally covers a range of various policies available to protect sportspeople and health and fitness professionals. Successful athletes take accountability for the liabilities they are bound to, both for their health protection and financial security. [...]
17
MAR '23
Restaurant insurance The fast-paced nature of running a restaurant comes with daily risks. From the crowds of customers to busy kitchens - customers and staff members face many hazards. Owning a restaurant may come with many challenges, but it isn't without its rewards. To protect your business, it's vital to have the right insurance in place. In this guide to restaurant insurance, we will examine the different types available to you and provide the answers you need to make your decision. [...]
16
MAR '23
Drive away insurance Buying a new car and taking it home is an exciting event. With that buzz comes the practical task of sorting out your insurance. For such cases, it’s important to know what drive away insurance is and if you need it. If your new car is uninsured, you could be exposed to significant risk without car insurance or temporary drive away insurance. In this guide to drive away insurance, we will examine all there is to know about this type of coverage. [...]
16
MAR '23
Public house insurance As a public house owner, you have your fair share of work to take care of. Having the right insurance coverage for your business is essential. First and foremost, public house insurance protects the public - your customers, and it should also protect your employees, buildings, and assets. Managing a public house comes with many risks, and there are various coverage types you can choose to protect yourself. [...]
15
MAR '23
Bar insurance As a bar owner, you will have invested a vast amount of money and time into your establishment. Further, your bar's success relies on your local reputation and ability to care for your customers. Without the right bar insurance, you could lose your hard-earned money and reputation in a single accident. To avoid that scenario, you should ensure you are adequately protected. Bar insurance (also known as tavern insurance) is a type of commercial insurance designed to meet the unique needs of bars, taverns, and pubs. [...]
14
MAR '23
Vacant land insurance While homeowners insurance protects against losses at home and covers buildings on a property and personal belongings, it generally does not cover vacant land. That’s why insurance for vacant land is often recommended as a separate policy. Vacant land insurance financially protects landowners against misfortune accidents that could take place on their property. You are at financial risk if you’re a landowner without vacant land insurance. [...]
13
MAR '23
Skydiving insurance Whether you’re planning to make your big jump at home or abroad, it’s essential to have insurance for skydiving. Moreover, you need to know what type of insurance to get. Adequate skydiving insurance and the right coverage will protect you on your next daring adventure. Whether it’s your first time diving or you’re a skydiving pro, you can rest assured knowing you have the right insurance. Skydiving is on many people’s bucket lists, but not everyone knows what insurance they need for the activity. [...]
12
MAR '23
Pub insurance Pubs are a labor of love and require many hands to keep an operation going. Managing a pub comes with everyday hazards and plenty of risks, so pub owners need the right pub insurance coverage to protect themselves. Pubs work with the public, so they require liability insurance and more. Table of contents What does pub insurance cover? Liability insurance for pub Additional pub insurance coverage How do I choose the right pub insurance? [...]
11
MAR '23
Diving insurance Scuba diving is a relatively safe sport these days, especially when practiced within the limits of your training and experience. Still, diving can be hazardous, and accidents can happen. Having the right diving insurance is essential. Not only for your peace of mind, but it can ensure you're covered for the risks associated with your specific diving needs. Overall, scuba diving insurance covers unforeseen accidents that aren't covered under health or travel insurance policies. [...]
10
MAR '23
Public liability insurance for contractors As an independent contractor, having the right insurance and protection for your business is vital, even if you run a small operation. Independent businesses should ensure they have adequate coverage, as liability claims can bankrupt a small business. If you do not have public liability insurance, you run the risk of using your own funds to protect your business. This guide about public liability insurance for independent contractors will examine why you are required to carry this insurance. [...]
9
MAR '23
General liability insurance for independent contractors introduction You may run a smaller operation as an independent contractor, but having the right insurance and protection for your business is vital. Liability claims can bankrupt a small business that doesn’t have the right insurance. Without commercial general liability insurance, you will have to pay out of pocket to protect your business. This guide about general liability insurance for independent contractors will make sure you know your insurance options. [...]
9
MAR '23
Insurance and bonding for contractors Contractor bonds and business insurance protect businesses from financial losses after unexpected events while also helping to win clients. Moreover, prospective clients often prefer doing business with contractors who carry the appropriate insurance coverage. Depending on your industry and business clientele, you could be required to purchase business bonds before being hired. While insurance and bonds vary, both are key to managing your business and mitigating the risks of the industry as a whole. [...]
7
MAR '23
Professional indemnity insurance contractors There is a general understanding of the need for construction contractors to carry public liability insurance. However, there often needs to be more clarity about why contractors must also carry professional indemnity insurance. This article will outline professional indemnity insurance for contractors and help to provide answers to your questions. We will clarify the differences between professional indemnity insurance and public liability insurance claims and cover why professional indemnity insurance is important for the construction industry. [...]