Monday, September 28, 2015

Flooded Cars

Just because a used car looks good, be careful what you buy. Thousands of cars that were flooded by hurricane Katrina are making their way onto used car lots. Don't be fooled into buying one. Despite the insurance industries efforts to keep Katrina destroyed vehicles off the salvage market, officials say now is that time that these cars may show up in your home town. Bought cheap as salvage by dishonest dealers, cleaned up and turned around with their flood damage history illegally hidden from consumers. Ron Kennedy of the National Insurance Crime Bureau says these cars can be cleaned up and sold to an unknowing consumer by dishonest dealers trying to make a killing. The National Insurance Crime Bureau is offering a free search of a cars vehicle identification number so that you can learn if the car was involved in a claim caused by last years hurricane. Jeanne Salvatore of the Insurance Information Institute says flood damage is covered by auto insurance, unfortunately there's going to be a lot of flood damaged cars finding their way onto used car lots around the country, and you do not want to buy a flooded car. To avoid buying a flooded car, check the car for mildew, sand, and water marks. Look for rust on screws and check the seats and door panels for fading.

Friday, September 25, 2015

Small Biz Marketing At A Glance

Budgets are tight. See what marketing strategies do—and don’t—work for small business owners.

Tuesday, September 22, 2015

Sparky On The Street - Smoke Alarm Placement

When Sparky the Fire Dog® asks people where in the home smoke alarms should be located, he gets quite a few answers. Learn where smoke alarms should be installed in the home (and where they don’t belong).

Visit Fire Prevention Week for more information and free resources on smoke alarms.

Friday, September 18, 2015

Home Insurance Tips And Tools

Tips and tools for your home insurance to make sure you're covered well.
Make sure you have a home inventory.

Tuesday, September 15, 2015

Filing A Claim

Whether it's a major catastrophe or a small one affecting just you, first assess your damage, then call you insurance company, says the Insurance Information Institute. Claims adjustors say that if you have created a home inventory your claim will be process more quickly, also be prepared to describe the damage to your property and how it occurred. You should also make temporary repairs such as putting plywood over broken windows or holes in the roof. Keep receipts because you will be reimbursed for these simple repairs. Be sure to use licensed contractors to repair the damage to your property and make sure they have obtained the necessary building permits to do the job.

For more information about insurance, go to the I.I.I. Web site at

Saturday, September 12, 2015

Insurance For The Small Business Owner

From the Insurance Information Institute A Business Owner Policy, or BOP, may be what your need as a small business owner. A BOP covers your business for property and liability and helps keep your assets safe. Learn more in this video produced by Russell Productions in NYC in association with the I.I.I. For more info on business insurance, check out the Insurance Information Institute at

Wednesday, September 9, 2015

Know Your Stuff Home Inventory

This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at

Saturday, September 5, 2015

Why You Need Contractors Insurance

If you are a contractor in any type of field, you understand that there are certain risks that you and your client undertake when performing the necessary work to accomplish the task at hand. These risks could be solely upon either party or involve each equally. Each party involved needs to have that risk minimized so it will not interfere with their own business or even their personal lives. Contractors insurance provides this coverage to give you and your client the peace of mind that you both are seeking.
Contractors Insurance is a policy which is acquired by the contractor themselves. This policy covers and protects the contractor from any kind of liability which can occur while performing the course of the work. These types of insurance policies not only cover the contractor themselves but, they also cover any agents, employees, partners and the like from any kind of claims that may arise.
Depending on the type of policy which you will want to take out, the covered occurrences could include, fire, leaks, acts of God, war and terrorism, safety issues, etc. Before signing any policy, be sure to review every article within the policy to ensure that the liabilities you could incur are covered. Be sure to also exclude any type of liabilities that would not apply to your certain field. You wouldn't want to purchase and pay for coverage which you will never need.
There is a multitude of professional fields that could benefit with the added protection of carrying some form of Contractors Insurance. Most of these fields are predominately grouped into the construction field. They would include roofers, electricians, plumbers, framers, architects, engineers, etc.
Other fields that could use a similar form of insurance would be computer technicians, designers, landscapers, any form of demolition contractors, any many more. To see if you could protect yourself with this kind of insurance, write down all of the circumstances that could go wrong during your normal course of project completion and consult with your insurance agent. They will have the final answers for you and be sure to bring up your concerns with them. Your agent might have a different kind of insurance that would be better suited to your specific needs.
There are five different options of insurance to consider when forming your policy. They are General Insurance, Workers Compensation Insurance, Inland Marine Insurance, Disability Insurance and Bonds. For your particular area, you may need one, two, three or even all of the available coverage's.
Be careful to not waste your money on insurance options that you will not need. For example, if you do not transport goods such as a trucking company or other courier service, you would not want to spend the money on Inland Marine Insurance for that is what this type of insurance is for. However, if you have employees that are on your active payroll, you will not want to pass up the coverage for Workers Compensation Insurance coverage. Consult with your insurance agent to get the best coverage at the most reasonable price.

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Wednesday, September 2, 2015

Preventing Trees From Falling

Cracks in the trunk, trees that learn dangerously off balance, and low hanging limbs are all signs of potential trouble. Wendy Rose, Institute for Business and Home Safety says homeowners often consult professionals to diagnose and repair trees, adding however, that homeowners themselves are the first line of defense. Tips: check for tree damage, Prune dead limbs or branches that hang low over your house. Jeanne Salvatore, Senior Vice President, Insurance Information Institute says that it is the homeowners responsibility to check their trees, but if one does fall on your house, your homeowners' insurance will pay $500 to remove the tree, and will repair the damage to your home.