Car Insurance is Different

If you have a business and you have employees you are going to need the driving record of every employee who drives your business car or cars. This is not being intrusive it is to protect you as the business owner. You must not allow any employee who has a bad driving record to drive your company's vehicles. It is highly likely that your business car insurance company will not permit such a person to drive the vehicle and this means you won't be covered in the event of any mishap.

It is important to remember that many employees are not as concerned about the property of others and the insurance companies know this. This is one of the reasons they regard a business vehicle driven by employees as a higher risk. An insurance company will usually want to know what the vehicle will be used for. It is never a good idea to use a vehicle for both business and personal reasons. If you do then you must inform your insurance company. If you don't and the vehicle is used for reasons other than specified you will not be entitled to compensation.

Business car insurance is for employee vehicles used for business, company owned vehicles and cars that are leased. If the person driving the car has less liability coverage than you do or perhaps no insurance you can be covered by your insurance company. The whole objective is for you to be covered in the event of any unforeseen mishap or accident. You can start the process of protecting your assets with a free quote. This can be done online and gives you a choice of premiums from the top rated companies applicable to you. See also Three Ways to Reduce the Cost of Young Driver Insurance.

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Best Performance Car Insurance Costs

Car Insurance Costs - If you drive a best performance car you are going to need best performance car insurance. This is an actual category and it would make sense to look into this kind of insurance before you actually buy a best performance car. Insurance is definitely going to be more expensive for this category of car.

The reason for this is because these cars are more costly to repair when damaged. The other reason is to replace a part costs more and according to statistics this category of car has a higher risk of being stolen. These are some of the factors that make insurance companies regard best performance cars as a high risk category.

Because this kind of insurance cost more it is a good incentive to make sure you are not going to pay for coverage that is not needed. On the other hand, you don't want to find that you are under insured in the case of damage, accident or theft. It should be getting clearer that you can't base your best performance car insurance cost on price alone.

You have to take into account whether or not you have sufficient coverage and this means you must understand your policy before you commit yourself to any monthly premium. What you are really looking for is a policy that gives you the coverage you need at the most cost effective price.

If you have your car then it is understandable you will want to find the right insurance as quickly as possible. The fastest means of getting what you want is to use the internet. Go to a site that offers a free quote. This is a tool that has proved to be very handy to many consumers. 

When you request a free quote you are provided with trusted insurance companies that are appropriate for you. You can see the prices provide by these companies. This makes it much easier to choose a company and then to choose a policy that you can afford. See also Get Cheap Car Insurance Rates.

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A Guide to Insurance Agency Success

Are you working too many hours for too few clients? You must read A Guide to Insurance Agency Success. Does it seem that you do more paperwork than peoplework? Will you spend more hours on the road than in front of people this year?

Whether your agency is big or small, if you answered yes to any of those quesitons, you need more than an andrenaline boost! You need a shot of strategies to wake things up and put you on the path to success fast.

How to get appointments with 10 clients every day

How to find qualified clients and get them to come to you

How to get clients in and out of your office in 30 minutes-or less

A Guide to Insurance Agency Success ~ You'll also discover how to ramp up for success with something you already have, but probably overlook, why some clients don't make sense for your agency, and what you need for an effective sales pitch.

Get the help you need by putting Troy Korsgaden on your side. His strategies have made a difference for the thousands of agents who have attended his seminars across the country. They can make a difference fo you, too. Book detail A Guide to Insurance Agency Success ...!

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The Insurance Business - Industry Leaders on Managing Risks, Ensuring Investments, and Protecting Assets

Inside the Minds: The Insurance Business is an authoritative, insider’s perspective on the ins and outs of this dynamic industry and the future of the business, on a global scale. Featuring Chairmen, Presidents, and CEOs, representing some of the top insurance companies across the nation, this book provides a broad, yet comprehensive overview of the current state and future shape of the industry.

Discussing the inner workings of the business and the key factors that differentiate insurance companies from each other, as well as identifying the biggest risks companies face and ways to hedge these risks, these authors offer practical and adaptable strategies for generating revenues and profiting year after year. From the processes involved in determining a premium for a new customer, processing a claim, and investing the cash from policies, hitting on the essentiality of building a strong brand identity and achieving credibility, to overall tactics around marketing! and customer relations, these authorities articulate the finer points around the business now, and what will hold true into the future.

The different niches represented and the breadth of perspectives presented enable readers to get inside some of the great innovative minds of today, as experts explore in detail what it takes to secure long-term success in this ever-evolving industry.

Book detail...!

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Introduction to Risk Management and Insurance

Introduction to Risk Management and Insurance, this book focuses on problem-solving from managerial, consumer, and societal perspectives. It emphasizes both the business managerial aspects of risk management and insurance and the numerous consumer applications of the concept of risk management and insurance transaction.

Specific chapter topics include insurance Regulation and contracts, basic property and liability insurance contracts, homeowners insurance, the personal auto policy, professional financial planning, life insurance policies, annuities, medical expense and disability insurance, standard life insurance contract provisions and options, commercial property insurance, general and special liability insurance, employee benefits, social security, and unemployment and workers' compensation insurance.

For use by individuals in insurance occupations, and by those preparing for the certified financial planner board. Introduction to Risk Management and Insurance books detail...!

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10 Steps to Success: A Commonsense Guide to Building a Successful Insurance Business

Advanced praise for 10 Steps to Success — “…outstanding, insightful and very timely for the newer agent. It also serves as a reminder to the veteran agent as well. Your ideas are easily understood and should be accepted by those who read the book. This should help many!”
—David Carter, sales director, Midland East American Family Insurance Group

Learn how to be a successful insurance agent with the simple techniques in 10 Steps to Success. Author Daniel S. Fowler utilizes his thirty years of experience in the insurance business to illustrate how to work smarter rather than harder toward building a successful insurance agency. Fowler’s unique information applies to almost any business and will give you the tips you need to achieve your goals, including:

* Building relationships
* Marketing and business plans
* Listening to yourself and your clients
* The importance of good employees

With 10 Steps to Success, Fowler shows you how to provide not only the service people expect, but also the service people don’t expect. 10 Steps to Success: A Commonsense Guide to Building a Successful Insurance Business books detail....!

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Fundamentals of Risk and Insurance

Product Description
This classic book presents a thorough and comprehensive introduction to the field of insurance while emphasizing the consumer. The new Tenth Edition first examines the concept of risk, the nature of the insurance device, and the principles of risk management. It then discusses the traditional fields of life and health insurance as solutions to the risks connected with the loss of income. And it deals with the risks associated with the ownership of property and legal liability.

From the Back Cover
Take no chances! Learn about risk and insurance from the premier text.

Why learn about risk and insurance? You might be thinking of a career in the diverse and rewarding fields of risk management and insurance. If you plan on managing a business, you’ll need to know how to protect your organization from risk. And as an individual, you’ll want to make informed decisions about protecting yourself and your family with life, medical, home, auto, and many other kinds of insurance.

Whether you want to prepare for our career or simply become a more knowledgeable consumer, Vaughan and Vaughan’s Tenth Edition of Fundamentals of Risk and Insurance gives you a comprehensive, consumer-oriented introduction to the many facets of risk management and insurance.

The Tenth Edition presents the principles of risk management, summarizes the nature of pure risk on the individual and on society, and illustrates how insurance can be used to deal with the problems posed by such risk. In addition to clear and engaging coverage of insurance principles and theory, you’ll walk away from this book with practical, how-to advice that will come in handy in both your professional and personal life. Fundamentals of Risk and Insurance books detail...!

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Choosing Cruise Insurance

In the 16 years I’ve been cruising, I’ve seen many people fall ill and be taken off the ship in port or even evacuated at sea by helicopter. While I have always hoped for their speedy recovery, I have also wondered if they had purchased travel insurance.

It’s certainly tempting not to. How many times have you returned from a trip safe and sound and kicked yourself for spending a couple of hundred bucks to insure against some calamity that never transpired? (Plenty, God willing.) But it only takes once, and it doesn’t have to be much of a calamity to deep-six your sizable cruise investment. A jury summons can do it, or an attack of appendicitis, or a missed connection on the way to the ship.

In my opinion, all cruise vacationers should buy travel insurance. But where to start?

Related:
* Get Cheap Car Insurance Rates
* The Best Car Insurance Rates

The basics
Most cruise lines offer a travel insurance package that can be purchased when you book your cruise. There are also many third-party (independent) insurance companies like Access America, Travel Guard and Travelex (to name a few) that offer coverage which can be purchased either directly from the company or through a travel agent.

*Coverage. Most travel insurance policies include coverage for five kinds of problems: trip cancellation (or interruption), trip delay, emergency medical expenses, emergency medical evacuation, and lost or stolen baggage. Many policies also offer round-the-clock travel assistance to help you replace a lost passport, rebook a reservation, or cope with other travel mishaps. The big draw is the trip cancellation coverage. In fact, according to Dan McGinnity, a spokesman for Travel Guard, 80 percent of Travel Guard’s claims are for events that happen before the ship leaves the dock: illness, injury, jury duty, a sick family member — you name it.

*Cost. The cost of travel insurance is usually based on the traveler’s age and the trip cost. Typically, the insurance cost will run about 6 to 8 percent of the trip cost, but it can be less. For example, a 59-year-old traveler on a $3,000 cruise can purchase a Travel Guard “Protect Assist” policy for $145. A similar policy for the same 59-year-old traveler would cost $129 from Travelex and $131 from Access America.

*Comparison. Costs and coverage do vary, and it’s in your best interest to do some comparison shopping before handing over the insurance premium. A nifty little website, insuremytrip.com, allows consumers to compare plans among 16 travel insurance providers.

Cruise line vs. third-party insurance
There are several key differences between insurance policies offered by cruise lines and those offered by independent insurance companies. Cruise insurance offerings generally cost less than third-party insurance, and they sometimes give more protection. But what you won’t get, as a rule, is protection if the cruise line goes into financial default and ceases operations; third-party insurers generally do cover such events.

While all cruise insurance lines offer the five basic components of coverage, most cover only those parts of the trip that you purchase directly from them. For example, if you book your airfare separately from your cruise fare, or if you drive to the port of embarkation, you won’t be covered for that travel segment under most cruise line policies. With third-party insurance, you can purchase a protection plan that covers the entire trip

source:http://www.msnbc.msn.com/id/12465045#storyContinued

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So You Want to Be an Insurance Agent

There is more to selling insurance than writing policies. When done right, you can build a successful business that affords you a lifestyle that most people only dream about. So You Want to Be an Insurance Agent is an essential guide for anyone who is considering opening an insurance agency or wants to grow an existing agency.

Highly recommended by Dr. Robert Hartwig, President of the Insurance Information Institute, and Michael Gerber, author of the E-Myth books, this book provides a complete system to develop, manage and grow a successful insurance business. It contains everything you need including a personality assessment to determine if this business is right for you, licensing guidelines, a business plan, employee contracts, an employee handbook, business forms and more.

So You Want to Be an Insurance Agent..........you can't sum this book up any better than it's title. As a district office in Washington, we suggest "serious candiates" to read this book. This book gives them not only the outline of what's to come, but also a guideline to follow when becoming an agent. I would recommend that this book be in every District Office's library. So You Want to Be an Insurance Agent books detail...!

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A Look at High Risk Life Insurance Plans

What options are there for you for life if you have health or participating in dangerous sports / activities. If you have problems with eligible based on health, there is a secondary market of high risk insurance plans that could be a backup option. Let's take a look at how they work.

First, how do we know whether the standard term life plans are probably not an option? The response is the health class. Take a look at our life insurance health class page and the list of requirements. If you find that the history is not the "Standard" health lessons fall within at least one or more criteria, your health than the standard plans can be a problem. Feel free to enter your status by us. Take advantage of our experience as a professional term life insurance agents and guidance.

So what are high risk insurance? The plans are essentially simplified edition that offer a limited benefit to other restrictions. They tend to live in the design. The design life is logical with such a risky proposition to the insurers for the same reason we do not recommend in general for standard policy issue. Whole life policy front loaded like a mortgage is a bank with an increased premium goes to the carrier. The insurance company can quickly gather enough with the investment in the premium for the increased risk of having to pay to offset a claim. From This is usually not a good value compared to term life insurance as we discuss in our term versus whole life product, but we can no choice if health dictates a high risk direction.

What are some elements that are unique to high-risk insurance plans. In addition to the above-mentioned manner of living, there are other limitations. The premium will first higher. This is both a function of a higher risk and the whole life design. The lower amount of coverage offered must be compensated for this part. In general, most high-risk policies function similarly to Final Expense life insurance plans that they do not have large amounts compared to standard term life insurance that can rapidly approaching $ 500K for a relatively low amount. Limitations on how quickly can benefit can therefore not be activated during the first year of purchase. The application and registration process is usually easier and may even exclude the necessity of a paramedical exam.

For some people may be the only option at high risk insurance and for this reason, it has a place in the market as a backup option. Send us an email if you think this is most likely your available options and make an offer care. We know that the carriers and their specific underwriting kinks, so we are able to meet your needs and health status suits with a standard plan. We can not examine whether a high-risk policy is the only option to look at.

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