You probably know better than anyone that running a jewellery business isn't easy. The markets can be unpredictable, customers may be in short supply and the competition fierce, both from other jewellers and the internet. In such circumstances, you could perhaps be forgiven for not seeing jeweller insurance as something that is of immediate top-priority importance to you.

If so, although it may be understandable, it could also prove to be a major mistake.

The problem is that not only are things such as customers and their spending hard to predict but so also is luck. Although any business tries to reduce the extent to which luck plays a part in its affairs, if you do suffer an instance of sheer bad luck then the financial results for you may be catastrophic unless you have jeweller insurance in place and ready to kick-in to help.

How exactly can bad luck play a part?

Customers and staff

If you have people on your premises, whether employees (including helpers) or customers, then you are at risk. Should any one have an accident or suffer injury, you may find yourself on the receiving end of a legal claim for compensation. In fact, if you do have employees you may be legally obliged to have employers' liability insurance in many cases.

Man and Nature

If your premises are damaged due to fire, flood, illegal intrusion or similar situations, you may find that your stock and equipment is lost or severely damaged and your ability to continue your business is put at risk.

Yourself

If you are injured in an accident, just how long could your business continue? Could you meet all of the costs arising without receiving some form of financial help?

Business insurance

Having some form of insurance for a jewellers shop to help protect you against such risks may well make sound sense. Business insurance can provide cover in various forms including things such as public liability insurance, personal accident, shop and premises and employers' liability insurance.

The exact package of cover and the cost can typically be varied depending upon the exact nature of your business, its turnover and stock values and your perceptions of the risks involved etc.

Getting more information

Your jewellery business is likely to be precious to you. Having the right forms of jeweller insurance could make the difference between you being able to keep it running or having to close it down. It may be worthwhile finding out more.

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President Obama visits the place where he first announced his plan for health care reform back in May of 2007, sharing with a large crowd the immediate effects of health reform for small businesses and families.



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The GOP wants to scare us into thinking that healthcare reform is going to fail because people will have to wait months to see a doctor, fill out hours worth of paperwork, and receive less care in their version of a Socialist-style healthcare system. While they're right about it failing, they're wrong about the how. Mike Papantonio of Air America's Ring of Fire takes on the folks over at Fox Business' Happy Hour to tell them what we should really fear from the new healthcare bill.



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Silverado Savings and Loan collapsed in 1988, costing taxpayers $1.3 billion. Neil Bush, son of then Vice President of the United States George HW Bush, was Director of Silverado at the time. Neil Bush was accused of giving himself a loan from Silverado, but he denied all wrongdoing. The US Office of Thrift Supervision investigated Silverado's failure and determined that Neil Bush had engaged in numerous "breaches of his fiduciary duties involving multiple conflicts of interest." Although Bush was not indicted on criminal charges, a civil action was brought against him and the other Silverado directors by the Federal Deposit Insurance Corporation; it was eventually settled out of court, with Bush paying $50000 as part of the settlement, the Washington Post reported. As a director of a failing thrift, Bush voted to approve $100 million in what were ultimately bad loans to two of his business partners. And in voting for the loans, he failed to inform fellow board members at Silverado Savings & Loan that the loan applicants were his business partners. Neil Bush paid a $50000 fine and was banned from banking activities for his role in taking down Silverado, which cost taxpayers $1.3 billion. A Resolution Trust Corporation Suit against Bush and other officers of Silverado was settled in 1991 for $26.5 million. As a result, the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) dramatically changed the savings and loan industry and its federal ...



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Speaker: His Excellency Paul Kagame, President of the Republic of Rwanda Perceptions and stereotype of Africa and Rwanda as perpetual basket cases and donor havens only sustained by aid, charity and pity no longer correspond to contemporary development of the past decade. Rwanda, under the leadership of one of Africas most able leaders, President Paul Kagame has undertaken considerable reforms leading to serious domestic and foreign investment. President Kagame has single-handedly redefined the way African leaders should engage the best of the Western and Eastern world. He has appointed some the world's greatest minds in business and strategic investment to his council of economic advisers. President Kagame also put Rwanda on the global map by hosting UN secretary-general Ban-Ki Moon and US President George W. Bush. Some of the recent indicators that prove President Kagames esteem with world leaders include his appointment by Bill Clinton to the board of the Clinton Global Initiative. Tony Blair also recently became the Rwandan Governments advisor for no fees; Bill Gates has personally been working closely with President Kagame in supporting the health sector in Rwanda. Paul Farmer, a Harvard professor and world's leading authority on public health-care in poor countries is advising President Kagame to develop one of the most innovative national health insurance systems in the world. The strategic alliances between Rwanda/Kagame and some of the leading minds in business ...



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Starting up and owing your own business brings enormous responsibility, especially if you are starting up a beauty salon, as your whole business will be based on treating members of the public. Any business that involves customers coming onto the premises or you going out to treat customers in their own home, poses a risk. When in the beauty business, however careful you may be, accidents can happen, which brings the risk of customers taking you to court to claim for damages. Therefore, you may want to consider taking out beauty salon insurance.

What aspects of my business would be covered?

There are different components to insurance for your beauty salon that you may want to think about. However, you would need to check with the insurance provider and check the small print of your policy to find out what was included in your chosen cover. Generally, an insurance policy would provide cover for the actual building in which your business was housed, if you own it. For instance if there was a fire that stopped you from being able to run your business you could claim on the insurance policy to help with rebuilding costs.

Any furniture and equipment on the premises may be protected in the insurance policy against the possibility of damage or if they were destroyed. The policy could also cover your stock in the event that you lost it, this alone could be your downfall if you did not have insurance to cover the loss and replacements to be able to continue trading.

Liability insurance for the public - ie public liability insurance - may be included, up to so much, in your insurance. This typically protects you against liability claims for injury , loss or death to members of the public who come into your salon for treatment. Even with strict rules and regulations accidents can occur that could leave you open to a liability claim from a member of the public, even someone who is simply on your premises maybe dropping off supplies.

Should you have members of staff working alongside you then you must give some thought to employers' liability cover, as this is usually a legal requirement if you have staff, though there are some exceptions.  This would allow a claim to be made on the policy in the event that a member of staff should suffer injury or worse whilst working in your salon and you were deemed liable for the incident.

If you sell products in your beauty salon, such as facial masks, cleansers or toners then you may want to ensure that the beauty salon insurance policy you were looking at includes product liability insurance. If someone purchased a product and they claimed they had suffered injury as the result of using that product, you would have insurance towards meeting legal costs.

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Warren Buffett and members of his inner circle shed some light on what will happen to Berkshire Hathaway when the billionaire investor steps down. (Venture)



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Glenn Beck 20091207 Part 1/4



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To run a business in the state of New Jersey, you should have several different kinds of business insurance. Typically, a company will need a general commercial insurance policy. Commercial insurance provides protection against theft, property damage, and liability. It also can provide protection against interruption of business and employee injuries. Without New Jersey business insurance, a business owner leaves himself (or herself) open to unnecessary risks that can result in loss of money and property. The owner should research all the different types of commercial insurance before purchasing any. Your company may need commercial property insurance, but not commercial auto insurance. Keep in mind that a business owner may add to, or change, their commercial insurance policy at any time.

Recommendations on buying business insurance in New Jersey

A conservative New Jersey commercial insurance plan should consist of workers compensation insurance and professional liability insurance. It should also offer great employee benefits to improve morale and attract top talent.

Workers' Compensation Insurance covers your employees if they are injured on the job. It will pay the medical bills incurred due to the accident. With no Workers' Compensation Insurance, any employee that is injured on the job can sue their employer for the medical bills and for income lost due to missed work after the injury. Also, if an employee loses his/her life, while on the job, benefits are payable to the dependents of the worker.

New Jersey employee benefits should be guaranteed for any full time worker by their employer. Most businesses offer a benefits package to their employees that include paid holidays, vacation days and, of course, health insurance. The average number of paid holidays is 10. The average number of vacation days is 9.4, usually after one year of employment with the company. Most business' offer health insurance with the employee contributing a small amount towards the costs, and co-pays. Offering a defined pension plan or offer a 401k retirement plan will also draw more employees to your business.

Professional liability insurance protects business owners from negligent claims filed by the clients. This insurance will cover the failure to perform, financial loss, and errors in the products sold or services rendered. Once your business has this insurance, it should never be cancelled. If it is cancelled, it is as if the company never had the insurance to begin with and none of the claims received will be covered.

Without getting the appropriate insurance for your company, you put your business and your personal security at risk. As a company or business owner, you may be sued for any number of things. Whether it be false advertising, injury on the job, or faulty products, keep yourself covered. When you are covered on all corners, there are no worries. When you are unsure about your coverage, you are always at risk.

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www.gopherforum.com - Do you ever wish you could ask what your competitors are doing with their marketing? What about business questions to help you find out what makes some businesses successful while others fail? A new member on the Gopher Lawn Care Business Forum shared with us some of his fascinating business insight. You see he is a printer and helps many lawn care business owners get their marketing material, designed, printed and shipped. He has seen a lot of what works and what doesnt. So I asked him a bunch of business questions. He introduced himself by saying My name is David and I own a printing company located in Illinois. I started in 1999 and have over 20 years of printing experience. Right now I do printing for over 30 landscaping businesses in my area. I design and print, flyers, doorhangers, forms, envelopes, letterheads, business cards also design logos for them. With all your printing experience, have you found landscapers or lawn care professionals tend to choose one marketing method over another? For instance, do they prefer, door hangers, flyers, postcards? Or what is your view which works best? Ifyou are in need of free lawn care marketing material for your lawn care business, please visit our site at http We have hundreds of free lawn care logo, flyer, door hanger and web templates you can download and use for your lawn care business. We also have free lawn care business contracts, estimate and proposal forms. Download our trial version of Gopher ...



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This map shows where people Universal single payer health care .... Afghanistan *, Argentina and Austria, Australia Belgium, Brazil, Canada, Chile, China, Cuba and Costa Rica, Cyprus, Denmark, Finland, France, Germany, Greece, Iraq *, Iceland, Ireland, Israel, Italy, Japan, Luxembourg , Netherlands, New Zealand country, Oman, Portugal, Russia, Saudi Arabia, Spain, Sweden, South Korea, Sri Lanka, Ukraine and United Kingdom * Universal health coverage provided by U.S. war funding, whichgo. Remember: This is a simple list of countries that some form of publicly funded health care system is having. Thus, for example Sri Lanka away from a real, general working conditions of health such as France, but prescription drugs provided through a state pharmaceutical companies. This is seen as "a sort of public financing system, universal health care." maria February 10, 2008 04:31 Farrah Fawcett has to go to Germany for treatment .. returned to America, be deadGermany has already .. Socialized medicine ... Ive lived in the U.S. for 10 years a soldier ... and when he discovered that we bring to Europe on the move ... Your infrastructure is married sad ... more than half of America seems completely dilapidated .. Siemens, Bosch, Daimler .. .. numerous German companies and Japanese UAE .. do what you bought ... Owned by General Electric airports get up your light .. Siemens now American workers are not producing your business schoolScientists ...



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As an insurance agent, you should have a professional business card that will work with you. Since you basically have to ask the client to trust you with their insurance needs, it would be best that you come off very reliable on the first moment you meet them. Business cards have been used for so long especially in the business community. They are considered to be very important and their benefits are very valuable. This is the reason why you should really pay attention to the business card design you choose.

To convey professionalism, your business card should be simple. The information contained should be presented in a very organized manner. It would be really helpful if your business card includes your full name, telephone number, email address and the name of the company you represent. You can add a logo to make the business card more official. Aside from these, your business card can contain a statement or quotation that can relate to your profession as an insurance agent and make it distinct in a subtle way.

Color business cards are great if you only use colors that are not too unprofessional looking like red, pink, orange and other bright colors. These colors would distract from the information that is contained in the business card. It would be smart if you choose neutral colors that would help customers focus on the information instead. Also try to avoid prints and go for plain business cards. They would work even better with your professional image and you would be taken much more seriously.

Professional business cards can be ordered from stores providing such services. You should just make sure that all your specifications are followed and the information you provide them are complete and accurate. Stores that offer these business card services have several designs you can choose from and are actually displayed for your convenience. If you want, you can even combine the features of each design to make a design that is uniquely yours.

For more fun, you can even make your own business cards. There are free programs available on the internet, which you can download to your computer. Aside from saving money, you get to make a batch of business cards on short notice. Remember that your potential clients would be more impressed if you started off a meeting by presenting very professional-looking business cards.

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www.gopherforum.com Everyone who runs a business has customers. Sometimes those customers are a delight to work with while other times they can be nightmares. Everyone seems to do alright handling the happy customers but it can be a serious challenge to handle a difficult customer. Depending on the choices you make, such situations can be turned around or they can go from bad to worse. A lawn care business owner shared with us a situation he finds himself in every once in a while with difficult customers. He also tells us, on the Gopher Lawn Care Business Forum, the best way he has found to resolve the it. Ifyou are in need of free lawn care marketing material for your lawn care business, please visit our site at http We have hundreds of free lawn care logo, flyer, door hanger and web templates you can download and use for your lawn care business. We also have free lawn care business contracts, estimate and proposal forms. Download our trial version of Gopher Lawn Care Business Software. Gopher will help your lawn care business schedule and invoice more customers in less time, allowing you more time to grow or enjoy your life. Check out my lawn care business blog at www.lawnchat.com and my lawn care business forum at http and visit www.gophergraphics.com



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51567.mychocolateoffice.com PrePaid Legal Services is an authentic business that is promoted through the network marketing business entity. Before you join Prepaid Legal Services did you hear that several 6-figure income earning internet marketing phenoms have entered into a network marketing company in the beginning phases of critical mass and in only 3 Short Weeks.. Have Set Records Once Again...The Numbers? You'll have to See It To Believe It... No other time in the history of the home based business era has an arsenal of juggernaut internet marketers come together to teach, train and mentor the serious opportunity seekers to finally seize the work from home industry utilizing the power and leverage of the internet. You have the right company, products and compensation plan as well as proven savvy internet marketers to show you how it's done. How would that change your life? Your timing couldn't be better. If you have to market legal insurance plans or delicious healthy chocolate that helps control your appetite what do you honestly think 9 out of 10 people are going to choose? Some of the most superior products and services are established in companies that are in the MLM industry and have been around for quite some time now and are nothing new. You may not have heard much about Pre-paid legal because it isn't advertised in the standard format. So if you're not acquainted with the name Pre-Paid Legal, it doesn't mean that it's an illegitimate company out to scam ...



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Dr. Regina Herzlinger of Harvard Business School at the Freedom Foundation of Minnesota's Health Care Event on July 28, 2009. In these speech highlights, she discusses the current health care proposals in Congress, how much they will cost, and data and statistics from the NHS in the UK. Be sure to check out our website to read our latest report "The Prognosis for National Health Insurance: A Minnesota Perspective" by Arduin, Laffer & Moore Econometrics: www.freedomfoundationofminnesota.com



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Why Obamacare Is Sinking www.NuRxCard.com By Charles Krauthammer Friday, July 24, 2009 What happened to Obamacare? Rhetoric met reality. As both candidate and president, the master rhetorician could conjure a world in which he bestows upon you health-care nirvana more coverage, less cost. But you can't fake it in legislation. Once you commit your fantasies to words and numbers, the Congressional Budget Office comes along and declares that the emperor has no clothes. President Obama premised the need for reform on the claim that medical costs are destroying the economy. True. But now we learn -- surprise! -- that universal coverage increases costs. The congressional Democrats' health-care plans, says the CBO, increase costs on the order of $1 trillion plus. In response, the president retreated to a demand that any bill he sign be revenue-neutral. But that's classic misdirection: If the fierce urgency of health-care reform is to radically reduce costs that are producing budget-destroying deficits, revenue neutrality (by definition) leaves us on precisely the same path to insolvency that Obama himself declares unsustainable. The Democratic proposals are worse still. Because they do increase costs, revenue neutrality means countervailing tax increases. It's not just that it is crazily anti-stimulatory to saddle a deeply depressed economy with an income tax surcharge that falls squarely on small business and the investor class. It's that health-care reform ends up diverting ...



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NBC Dateline January 24 Critical Condition Dateline segment, hosted by Ann Curry, features three families who suffered care setbacks based on decisions made by their health insurers according to their insurance policies. Andrew Rubin was interviewed as an expert on the business side of medicine and the host of a radio program that offers advice to listeners regarding the American health care system. - Andrew Rubin, vice president, Medical Center Clinical Affairs and Affiliates Learn more: www.msnbc.msn.com or www.rubinhealth.com



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David Cay Johnston: More Corporate Tax Breaks Will Not Stimulate the Economy - Getting the economy back on its feet, giving taxpayers a break, saving your retirement fund and your kids college tuition? Done. And it wont cost you a penny. David Cay Johnston outlines his own fiscal therapy to end the economic crisis. David Cay Johnston, Pulitzer Prize-winning investigative journalist. He has the cover story in the latest issue of Mother Jones magazine, titled Fiscal Therapy His most recent book is titled Free Lunch: How the Wealthiest Americans Enrich Themselves at Government Expense (and Stick You with the Bill). He is a former reporter at the New York Times. The notion that everything is solved by a tax cut, of course there are sensible tax policies you can have. But there are public needs we have in this society that cannot be accomplished by a tax cut. No tax cut builds a road. No tax cut puts a cop on the street. No tax cut educates a child in the way that it ought to be done. So this—only tax cuts, at a time when I think we have a deficiency in some areas that are important for the quality of our life, is a big disagreement. The Bush tax cuts, all of them were financed with borrowed money. And where did we end up at the end of the Bush administration? If you add up all of the bailouts that the Bush administration did in the fall, the investments, the spending and the guarantees, its over $8 trillion. How much money is that? It is more than all of the income taxes paid ...



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A business insurance agent's number one objective is to make your life a little easier and things a little simpler when both predictable and unexpected occurrences events take place.

Their role is to help you select an insurance plan that works for you, whether it's auto insurance, insurance for your home and buildings, life insurance and/or health insurance.

A well respected insurance agent is one whose relationships with their customers is built on a foundation of shared values, quality service, mutual trust, and integrity.

An excellent farm or business insurance agent understands what's important to their clients and why. They must understand the importance of the legacy represented by the business itself and they want to be there as part of you final solution - always willing to help in any way the can.

They are your neighbors and friends, people who know that money is always a rare commodity, so setting priorities and communicating the potential consequences is critical.

When tragedy strikes the business, or your family personally there is always a price tag. Where will the cash come from to deal with it?

There are only three possibilities that I know of. Money that has already been earned and saved, money that can be borrowed, or your insurance agent's check - money that does not have to be paid back and does not deplete your savings or investments.

Naturally there is a fourth possibility for raising money, sell assets, not something that is likely to take the business or your farm in the direction you want it to go.

Business insurance agents who know their customers can help them understand the risk to benefit relationship between paying insurance premiums and self-insuring. Some risks you can and should self-insure with your own resources, risks that you can pay for out of pocket don't warrant buying insurance to cover, while others, if uninsured could cause the business to collapse if they are not covered properly.

Selecting the right insurance agent is a serious decision in deed, one that can have a more far reaching impact on your businesses success than anyone who can not accurately predict the future can know.

And unless I miss my guess it is one that almost always comes down to your gut instinct, a matter of personal trust.

The right agent is one who will reach out to their home office, collaborate with their peers, and are willing to tell you so if there is a better solution for you that they don't have.

In other words it's not how much they know as it is how much they care, about you and your family business. It seems to me that the ideal insurance agent is one who'll invest the time required to better understand you and your priorities.

They'll make that investment in your business whether or not you buy insurance from them today or not. They known that in the long run they'll be paid - if they are always willing to give of themselves before feeling a need to receive from you.

Should it be a rookie agent or a seasoned veteran? Does that really matter? It depends.

Let's say they are in expert in insurance and financial services, is that to your advantage or not? Maybe both.

It's good because they have already helped other people like you and they have seen a lot of "brilliant" ideas that did not work in real life over time. Or bad if their previous experiences have turned a mind open to suggestions into one that looks only at their own knowledge.

What about professional designations, whether or not they are well know among your peers, or simply right out of their company's new agent school?

I don't think it really matters, as long as they feel right to you. It is true that new agents fail and seasoned veterans retire.

In the meantime you'll be doing business with someone who cares about your success.

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When was the last time you bought a defective product? When was the last time you received and incomplete because of a service company? Are you aware of cases where a company has products and services, has sued the proposal? These are some questions that everyone can easily answer, because chances are it has happened to everyone at least once.

Companies and groups usually try to provide the best products and services to consumers. But in reality do not alwaysCould happen. In fact, companies can easily get into trouble for Legal Services defective products and incomplete. In this case, liability insurance takes on the task of dealing with any problem that arises.

In particular, the insurance covers damage (especially in the economic form) that the Company may receive, as an action is filed against. Moreover, the insurance coverage all legal costs.

There are three main Types of liability insurance. Although all three are limits of liability insurance, you have a specific purpose and each covers certain cases.

General Liability Insurance: This type of personal injury coverage, property damage or advertising. Insurance companies can survive on this kind of unique, and is the most common form of liability insurance for businesses.

Professional liability> Insurance: The insurance covers problems that may occur due to errors, omissions or negligence. certain professions such as doctors and technical advisers, some areas are required to have this type of insurance a.

Product liability insurance: personal insurance handles injury caused by a defective product, the business was produced by this. The range and level of risk dependsType of activity.

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An up close and personal look at Bill and Diane Lampe, who went from $175000 in credit card debt to personally earn $388000 in their first year, over $1 million in their second year and heading to earn well over $2 million in their third year building National Agents Alliance (NAA) fastest growing mortgage protection and life insurance master agency.



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In the present financial climate discovering the very best insurance coverage is more important than ever. When you are considering various types of insurance from a variety of providers it is crucial that you understand the questions to ask and what to look for. We've put together this guide in order for you to make the correct decision and find the very best insurance coverage for your particular circumstances.

Should you use an insurance agent or buy directly from an insurance company?

What differences are there between buying from an insurance agent or buying from an insurance company directly? Insurance agents can differ considerably in their expertise and how they go about selling you insurance. Since they more often than not work on commission only they sometimes might try to persuade you to buy a higher priced plan than you need. Obviously not all agents will do this and there are lots of honest, hardworking agents that will try hard to make certain that you buy the very best insurance coverage for you. Recommendation from friends is a good way to guarantee you work with an agent who will work hard for you!

If you do make your mind up to employ an insurance agent to lead you through the maze, make sure you find out how long he has been in the business. An established insurance agent will have many satisfied, repeat clients. Is he working for one company only? This could be both both an advantage or a disadvantage. If he sells for two or more companies he is able to choose the best plan for you from a larger selection, but an agent that works for a single company might be more dedicated and have a better knowledge of the plans offered by that company.

Is the agent covered for his mistakes or omissions? If he makes an error he needs to be insured so that you do not suffer financially. Does he know exactly the restrictions on the cover of the insurance policies he is selling? Question the insurance agent in detail and be on your guard if he is vague or less than knowledgeable on any of these factors.

Buying directly from an an insurance provider

If you are buying directly from a company research their record of paying out on any claims and their financial rating. Large companies will by and large have a very good rating but smaller companies, although they may have a lower rating, may well be more obliging as they are in such a competitive business. Find out how long the company has been in business and if there are any negative reports concerning it. Check if the company sells policies that are for more than one year as these can be lower cost if you pay in advance.

Conclusion

Discovering the very best insurance coverage may often be challenging and there are several decisions you need to make before you part with your money. If you come across a good agent who can will go out of his way to help you you will have a distinct advantage over attempting to sort out all the alternatives by yourself. However, whether you use an agent or deal directly with an insurance provider, you need to ensure you do the essential research first.

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People talk bad about Canadian health care. They say the "for profit" American system is the best. Here is just how excellent it really is : www.slate.com The candidates use clever and misleading propaganda to fool you into thinking they really will fix health care. Affordable health insurance does not care about your health. Insurance companies care about profits not health. Insurance companies try to weasel out of paying convincing you it was all your fault and you should be thankful you don't have Canadian health care. We're supposed to be good health care consumers and shop around. Look for the "best" care. That's pretty hard to do strapped to a gurney in an ambulance or when your appendix is about to burst, or your tibia is poking through your skin. Shouldn't all doctors be competent ? Shouldn't they all provide care at a reasonable price ? Shouldn't it be simple and straight forward ? Design it right the first time !



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Insurance is a promise to pay in the event that an insured risk occurs. Bankruptcy can seriously compromise the integrity of this promise. It is not reassuring to know that your business insurer- who protects your business from losses - may not be fully insulated from insolvency. However, a guarantee or promise is only as good as the person or entity making it.

With the 2008 failure of larger insurers (notably AIG), a strong insurer may be made susceptible by external circumstances that are anathema to its business model. Also, financial statements necessary to indicate strength may not immediately available or may lag behind the current financial dynamic. As a business owner, you cannot be completely certain. Therefore having an idea of what happens in the event of the failure of your business insurer is critical.

If your business insurer becomes bankrupt, coverage for your business does not simply disappear. There are procedures and statutory guarantees that aim to ensure that your business remains covered for the period that it should be covered for. Naturally, what happens when your business insurer goes bankrupt is contextual, but can be answered in broad terms.

a) Your coverage should be in force

Every insurer is required to maintain enough liquid asset classes to meet potential claims. When an insurer is bankrupt', it may not have enough cash to operate daily, but may have enough cash to meet potential claims on existing policies. However, an insurer should not use its statutory reserves for any purpose other than honoring its obligation to business policyholders.

b) Regulatory intervention

If solvency with regard to existing and potential claims is a problem, the relevant insurance regulator can intervene. The insurance regulator has the option of restructuring, rehabilitating or managing the insurer to ensure that it regains solvency. During these processes, the insured businesses in the insurer's portfolio will be accorded priority over creditors. Claims that were made before bankruptcy will be honored in full. Depending on the severity of the situation, claims made after the insurer went bankrupt may or may not be honored immediately and not necessarily to their full extent.

c) State guaranty funds

If all else fails, the last resort is to use state guaranty funds to meet the obligations to claims made by policyholders. Claim coverage will be honored, but not necessarily to the fullest extent either. Even in a situation where the insurer is no longer a going concern, current policy holders will have some claim coverage until their policies are no longer in force.

d) Renewal

Business insurance is different from other forms of insurance is that it is renewable- annually in many cases. You may be required to seek coverage elsewhere if the insurer cannot be rehabilitated such that it can remain a going concern. If, despite the attempts by the regulators, the insurer cannot be made viable again, you will certainly have to get a new business policy with another business insurer.

Protection of policyholders and maintaining competitive insurance industry are critical to insurance regulators. Your business will receive claim coverage for the period that your policy contract remains in force even if your business insurer goes bankrupt. If you have an existing claim, it should be fully honored. Claims made after bankruptcy is filed have a lower priority typically. The worst case scenario is that your business would have part-claim coverage until renewal and then you will have to seek another business insurer.

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Are you someone who is self employed in home construction or some other career where you could have an accident? Self employed liability insurance is needed in order to protect you if an accident should happen in an area that you are working in. You will also need this type of insurance if people come into your place of business and have an accident. There are several possibilities of things that could go wrong when you are doing some work for someone, and if you do not have the insurance coverage that you need you could end up losing everything that you own.

It is sad to think about but there are some people in this world who make their living by suing other people. This means that if you have a business that customers come into for any reason you will need to have liability insurance coverage. If someone is visiting your place of business and slips on your floor then they can sue you for medical expenses and in some cases negligence. If you do not have at least liability coverage you are putting yourself at risk of losing not only the possessions and assets of your business but also losing your personal possessions.

If you are a sole proprietor of your business then this means that you have unlimited liability. Unlimited liability means that not only the assets of your business are at risk but everything that you own is at risk on a daily basis. You will want to make sure that you have an insurance policy that will protect you in case something bad happens.

There are several cases when you will need to make sure you have a good insurance policy. You will be able to find a self employed liability insurance policy that you can afford by doing your research and choosing a reputable company.

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Business insurance is important. But, can you trust an insurance company's agent to devise an insurance program that truly protects your small business?

Can you trust your business insurance agent? Your insurance company? Insurance Company A tells you they are on your side. Company B is like your good neighbor. Company C has you in good hands.

Really? Truly?

The truth is that insurance companies are businesses that sell financial protection against risk. What you get is a promise of payment under the terms of the policy at some date in the future, if all the right conditions exist. In the end, you have a contract and nothing else.

Do you know what your insurance contract actually says?
Would you ever sign a contract without reading it first?
Or without understanding what the contract provides to you?

Most business owners have no clue what their insurance policies say. When you purchase or renew insurance, you should do at least these five things:

1. Meet with your business lawyer to determine your risks.
2. Understand what coverages are available.
3. Check the insurer's financial strength
4. Check the claims history of the company.
5. Document and photograph the assets you are covering with insurance.

And... read your policy! Or, better yet, sit down with your business attorney and your agent and review the policy together.

If you make a claim on your own policy, you and your insurance company will be adversaries. I recently fought an insurance company for five months to recover $400,000 of insurance, when my client's losses exceeded $600,000. Some insurance companies are notorious for paying claims slowly or fighting claims routinely. Do not buy insurance from those companies. Most importantly, buy the right type and amount of insurance, and prepare now to fight for coverage later, assuming that you will eventually have to make a claim.

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First of all, it depends on what kind of business you are starting. If you are simply starting your own freelance writing business, you are only going to be working with clients you write for and you don't necessarily need a location. On the other hand, if you are starting a café business, that is an entirely new idea. Some businesses require a lot more preparation, resources, and work than others. A fast food restaurant, or any kind of restaurant, will require more work and preparation.

Now you are ready to start your café business. You will need to plan out what you will be offering, how you will be marketing your goods and services, who you will be targeting as customers, how you will do the bookkeeping, etc. Of course, you will also need insurance. You will need café insurance if you want to ensure that you will not lose money unnecessarily or be thrown out of business. Just as you need insurance for your car, health, house, etc., you will need to insure your business.

One type of insurance you will need is takeaway insurance. A takeaway business is when the customers are taking away the food from the premises and consume it elsewhere. You must be properly insured for this. You will need insurance to cover property, theft, liability, money, etc. You need to be covered in case something goes wrong as someone leaves your restaurant with the food that they bought from your restaurant and plan on eating.

Café insurance is very important. If there is something wrong with your food or something goes wrong and you get sued without insurance, you could easily be put out of business. Hopefully nothing ever happens, but it is impossible to know that nothing will ever go wrong and you must be insured to protect your business and yourself.

When you are searching for insurance, be sure to check many different companies. You want to make sure you are getting the best coverage for the best price. The price of your café insurance or takeaway insurance is much less important than the coverage you get, but you still don't want to spend too much. Don't skimp on your coverage.

Once you have chosen an insurance company and are working with an agent, work with them closely to design the best plan that is right for you. You don't want to miss anything. Make sure your takeaway insurance is properly set up and that there are no holes.

Once you are set with your café insurance, you can work further on your business. Move on to the parts that are more fun like designing your café and building a menu. You can now work with more piece of mind knowing you are properly covered to start your business.

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Many people who operate home-based businesses assume that their homeowners insurance also covers their business. This is certainly a logical assumption if you are operating a business out of your home, but the reality is that homeowners insurance usually only covers up to about $2,500 for business related losses. Some homeowners policies will not cover any business related expenses, so you might want to check your current policy to see if you are protected at all.

If you think that you do not need home office insurance, think again. You need this type of insurance coverage to protect your computers, software systems, office supplies, and client information. Even if you are not worried about the potential loss of a computer, printer, fax machine, or phone, you should seriously think about the data you have stored somewhere in your home (or on your computer) regarding your clients.

If confidential client information were to be compromised, you could be liable if one of those clients were to be harmed in any way because of the actions of the person who stole the information. Lawsuits can be very messy and expensive, so it is best to protect yourself from the beginning so that you do not have this type of worry hanging over your head. Whether the information is in print, stored on your computer, or on a flash drive, you are still responsible for keeping that information secure.

As you consider the items that you need home office insurance coverage for, take a careful inventory of your home office area. Every computer, printer, desk, filing cabinet, fax machine, and copier should be accounted for; but you should also include the smaller items that you use in conducting your business. In addition, don't forget about your office furniture such as your desk, chair, and any tables that you might use for operating your business.

If you have an insurance agent who handles your other policies, you might want to talk to that person about home office coverage. Even if that particular company doesn't offer those types of policies, your agent can probably refer you to a reputable company that does offer that type of protection.

You should keep in mind that even if a particular company is recommended to you, you need to make an effort to obtain at least two or three different quotes for policies. You don't want to limit yourself to only talking to one company about insurance coverage. Sometimes it pays to shop around; just make sure that you do not compromise on coverage in order to obtain a cheaper rate.

If your home-based business provides any services to customers that requires them to come to your home for appointments or consultations, you will need to make sure that liability coverage is included in your policy. This gives you some added protection in case someone happens to trip and fall while on your property to conduct business.

The extent of the coverage that you will be able to buy will depend on the state you live in. If you want more coverage than a company is offering, ask them if your coverage amounts can be increased. In some cases, a rider can be added onto a policy that will offer you some additional type of protection for certain events.

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Kaj Ahlmann visits Google's Mountain View, CA headquarters to talk about using SIx Sigma practices in wine making business. This event took place on September 10, 2009, as part of the Innovators@Google series. At Six Sigma Ranch, Vineyards and Winery, Kaj Ahlmann uses Six Sigma tools and practices to realize his vision of creating consistently great wines. From soil analysis, planting, farming and harvest to sorting, fermentation, storage and promotion, the Six Sigma approach enables Ahlmann to regulate the wine making and marketing processes by monitoring data and refining it every step of the way. Speaker Info: Kaj Ahlmann provides independent services related to reinsurance, insurance and asset management. He currently serves on the boards of Deutsche Bank Global Insurance Asset Management, Cyrus Re , the American Institute for CPCU, RLI Corporation, and Six Sigma Academy. Ahlmann served on the board of Erie Indemnity from 2003 to 2008. From 2001 to 2003, he was Chairman and CEO of Inreon, a global electronic reinsurance venture created by Munich Re, Swiss Re, Internet Capital Group, and Accenture. He was Vice Chairman and Executive Officer of EW Blanch Holdings from 1999 to 2001. From 1993 to 1999, he was Chairman, President and CEO of Employers Reinsurance and served as a director of the parent organization, GE Capital Services. Kaj and his wife purchased a 4300 acre ranch in Lake County, California in 2000 and named it Six Sigma Ranch. They celebrated the release of ...



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US Department of Health and Human Services Secretary Kathleen Sebelius and Small Business Administrator Karen Mills hosted a webchat to discuss the benefits of the new health reform law. Sebelius and Mills highlighted some of the benefits of health reform for the American people and small businesses before answering pre-submitted questions from the public. The chat is the first in a series of discussions that will explain the impact of the newly passed health reform law. www.healthreform.gov We allow comments according to our comment policy newmedia.hhs.gov



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Speech delivered to the National Religious Broadcasters convention in 1987. I was in Primerica (the former ALWilliams company) selling term life insurance and mutual funds for 18 months and I got my guts cut out. I made $500 full-time in that year and a half. But I never quit. And somewhere along the way I had a revelation: my number one job in Primerica is to become just like my coach, Art Williams. If I became just like him, and did what he did, I would have what he had. I knew as a coach what he wanted most was for his people to do exactly what he says, so I wrote him a letter, telling me what I was going through, but what he was teaching me and how I understood the difference between winning and losing, and what my plans were for the future. Now Art, who is a billionaire, never met me, has a great family, great relationships, hundreds of close teammates around the world, and had just had heart surgery and was living on borrowed time, cared enough about a loser like me a thousand miles away in another country to write me a letter. Art Williams cared about me, my dreams, my goals, my hurts, and my passions. He captured my heart, and it changed my whole life. He made me feel like a stud, and he made me feel like I can win. I left Primerica because I got called to the ministry, and after a few years of learning and preparing, I am ready now to step out in faith and persue my biggest dream in life. I still work hard every day to become like my coach, I will never forget ...



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Whenever I conduct a workshop or give a talk to a group of agents, I ask how many of them are in the business of selling insurance. Inevitably about 25% raise their hands. My response to them is, "If you're in the business of selling insurance you'll have a hard time succeeding because NO ONE WANTS TO BUY INSURANCE!"

No one wants to buy insurance. Not homeowner's, auto, life, health or disability... They only want what the insurance provides. They only want the benefit. Believe me, if people could get the benefits they wanted in some other way, they would. So,... if you "sell insurance" success will be tough. On the other hand, if you're in the business of helping people it's a different story. Now, you might protest that the distinction is simply a matter of semantics, but there are fundamental differences between having a sales focus and having a helping focus.

This difference affects pretty much everything a person does along with how they do it. If they have a sales focus, their focus is on making the sale! Everything from the initial contact to the presentation to the close to the follow-up is done from a sales perspective. Marketing, contacting, presentation, and follow-up are from a product and/or company perspective. On the other hand, a person who is focused on helping rather than selling will understand that the service they provide (helping) is what matters and the insurance they offer is simply the means to achieve the solution they create.

Let me illustrate what I mean. Here's how a sales-focused person contacts: "Mr. Jones, my name is Bob Smith and I am with the ABC Insurance Company. We have a full line of products to meet your needs. I'd like to set up a time to show you our products and explain how they can solve your problems." The focus of the entire exchange is on selling their insurance products. In contrast, a person focused on helping, contacts this way: "Ms. Jones, my name is Sue Smith and I help people protect their assets/reduce employee turnover/leverage their financial security. Is that something of interest to you?" They understand that they are a professional offering help, rather than a salesperson selling products.

There are many other distinctions related to taking a professional, helping approach over a selling approach, and they have significant implications. Professionals help rather than sell. They have clients instead of customers/policyholders. They build relationships instead of conducting transactions. They offer solutions instead of sales. They attract clients instead of pursuing customers. People buy from them instead in being sold. They find cooperative opportunities instead of competitive obstacles. Think of the implications from these distinctions. We've always heard that people do business with people they like, and people like people who help. You've heard the term "trusted advisor"? This is what we're talking about. It occurs when you shift from selling to helping. Imagine having clients who are eager to refer others to you.

When you adopt the attitude of a professional and take the focus off the products, guess who the focus falls on? You! You become the service that clients buy. You become valuable. You become a resource. You become an expert. Clients don't look to insurance policies for answers, they look to you! One of the greatest challenges in arriving at this mindset is becoming clear as to what makes you unique so you can communicate it effectively to your prospects and clients. I often work with my clients on clarifying their purpose and identifying their unique strengths so that their marketing and leadership is effective.

An interesting challenge we face is that we tend to downplay our strengths, especially if they come easily to us. We tend to take them for granted and we tend to assume that everyone has the same (or better) abilities. A very revealing exercise I often ask clients to do is to ask five people they know for five traits that make them excellent at what they do. (My suggestion is to ask people who aren't family. Ask clients, friends, and associates.) You may be surprised at the results. I find that the responses fall into three categories. 1) You'll hear things about you that you and everyone else already knew and will thereby get confirmation, 2) You'll hear things that you already knew but didn't think anyone else noticed, giving you new insights as to what people notice and value, and 3) You'll hear things that you never knew about yourself; things that never occurred to you to be a trait that others would value.

These traits and insights are the things that set you apart from all the others out there. These are the things that cause people to do business with you. These unique traits will help you be more effective as you contact new prospects, present your ideas, and generate referrals.

I find that when people aren't clear about what sets them apart and aren't clear about their purpose (Inotherwords, why they do what they do) they end up leading with their products and their company. They rely on the strength and credibility of others instead of leading with themselves. The goal of every professional should be to become credible in their own right. That doesn't necessarily becoming the foremost expert in their field, but it does mean becoming excellent at what they do as a professional - helping others. It means finding new ways to help. It may even mean helping in ways other than with insurance. You can become a resource for information or a networking source of contacts within your community. You can offer advice in other areas of business or life (other professionals are more than happy to provide you with article and insights you can pass on).

The whole point of this is to stop selling insurance and start helping people. It's been said that people don't care how much you know until they know how much you care, and it's true. The interesting consequence is that when you take your focus off of selling and place it on helping, you'll attract more clients, generate more referrals, and sell more insurance. Life is good...

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Since 1990, Ron has performed for companies across the country and made the experience unique, entertaining and best of all - a corporate culture that is appropriate for all audiences! Once a show is booked, Ron in action and sent a questionnaire to companies, said Ron can write material for each show. Ron is a strong corporate show, the experience of musical material tailored to the company and visitors of the event. The exhibition is divided intothree parts: a material Chapel Comedy personalized with public participation Stand-Up Comedy! First, Ron brings his up-tempo songs and contemporary and classic tastes of each show, a foot tapping musical experience. Songs like "Oh What a Night," "Brick House", "Celebration", a unique mix of Jim Croce songs, a potpourri of impressions of Nat King Cole to see (and Natalie!), Neil Diamond, Bill Cosby and a special appearance by Kermit the Frog and Joe Cocker! There are alsofunny songs and parodies such as "The Home Depot song" A Day In The Life, "" Scream! "And" Kosher Ham. "Second, each company studied Ron and gather as much information as possible to write special material for each show. Then use this material together, with the participation of the public to surprise the audience with corporate information sought and comedy in an unforgettable way! Finally, Ron stand-up comedy show involving all over the material...



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There is no denying the fact that success of a business depends on the hard work of the team but one disaster can wipe out your efforts and bring down the profits to dust. So, to avoid such an instance, you need to insure your business, whether it is a small enterprise or a large corporation.

There are insurance companies, which have policies that combine protection for all major property and liability risks in one package. You can also opt for separate coverage. Such a policy is called a business owners' policy (BOP). Larger companies may purchase a commercial package policy.

BOPs include property insurance for buildings and equipments owned by the company. If there is any loss of income due to disruption of operation and business because of accidents like fire, it can be covered under the Business Interruption Insurance.

There are liabilities, which cover the company's legal responsibility for the harm it may cause to others. It is the result of your company's failure to do the business operations. It can also be the bodily injury or property damage caused due to defective products, faulty installations and errors in services provided.

However, BOPs don't cover professional liability, auto insurance, worker's compensation or health and disability insurance. Separate policies are needed for professional services, vehicles and employees. Generally, floods, earthquakes and terrorist attacks are not covered in the business insurance.

Protection Against Flood Damage

If your office is in the flood zone area, you must definitely go for a policy, which provide coverage against flood. Try to find out whether the place had been hit by flood in the past. Make sure you do something in advance to make up for the loss. Otherwise you may face trouble.

Protection Against Earthquake Damage

Earthquake is also not included in most property insurance policies such as homeowners and business owners' package policies. Special Earthquake Insurance Policy or Commercial Property Earthquake Endorsement can cover you if you live in an earthquake-prone area. However, earthquake policies have different deductibles.

Business Interruption Insurance, which reimburses you for the lost income during a shutdown, applies only to the damage covered under your business property insurance policy. There won't be reimbursement for the loss caused due to the closure of business because of the earthquake. For it, you must have an earthquake coverage policy.

Protection Against Terrorist Attack Losses

In the US, loss due to any terrorism is covered only for those businesses that have optional terrorism coverage. It comes under the Terrorism Risk Insurance Act 2002. Still, there are exceptions in workers' compensation, which include injuries and deaths due to acts of terrorism.

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Citigroup subsidiary, Primerica, is offering 400 trips to Maui and another 1100 to Caesar's Palace in Vegas to their top earners. As seen on Fox News' Your World Cavuto with Neil Cavuto. primerica primerica scam primerica secrets primerica business opportunity primerica leads primerica 418primerica scam 253primerica division of citigroup 221citigroup primerica 159primerica online 150primerica job scams 147complaints about primerica 113truth about primerica 95primerica complaints 89primerica life insurance company 83primerica survivors 70primerica financial services 65primerica discussion boards 47legal action against primerica financial services 47wrong with primerica 46primerica fraud 33primerica career opportunities 27primerica life insurance 24complaints against primerica 18primerica go solo 15primerica employees 13is primerica a scam 13primerica recruiting 11primerica life 10primerica canada 9primerica financial service smart loan 7primerica financial services prospecting tips 7primerica insurance 6jobs at primerica 6primerica custom advantage 6primerica financial 5primerica life insurance payout 5rene turner primerica ga 5what is primerica 5working for primerica 4building a primerica financial services business 4citi to sell primerica 4citigroup sells primerica 4citigroup sold primerica 4michael pyatt primerica burbank 4primerica financial services prospecting tips' 4primerica lawsuits 4primerica legal protection program 4primerica shareholder services 4primerica ...



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Introduction

Your business is ready to launch, so what insurance do you buy? Money is tight and it is your hide on the line. This article focuses on the insurance choices faced by entrepreneurs working to get a new business running. Three main categories to consider: 1. Required Insurance, 2. Critical Risks, 3. Economic Risks.

Required Insurance

For a new business entrepreneur, a core issue is the insurance required to open the business. These requirements can come from multiple sources.

Landlord - Often a Landlord requirement for a leased location is an early insurance barrier. A typical office, store or other commercial space lease has several clauses that trigger insurance requirements to protect your lessor. Your landlord will want your business to protect him from lawsuits stemming from your operations with Public Liability coverage. Another frequent landlord requirement is to have property coverage for any tenant building improvements. An Indemnity or Hold Harmless Clause will force your insurance company to waive any claim payment collection from your landlord even if they contributed to a loss. Your landlord will also want to be named as an Additional Insured to have access to your insurance policy and to be notified if the policy is cancelled. Before you sign your commercial lease, have your insurance agent read it and prepare a quote to consider.

Bank Loan - A bank loan is also a source of initial insurance requirements. If you borrow with your business assets as collateral, your bank will want it protected. Your banker will want adequate insurance to cover their risk and to be named as a Loss Payee. This forces the insurance company to settle any claim with approval from your banker and also to provide notice if the insurance is cancelled.

Jobsites - Construction trades often have specific jobsite requirements. If you are an artisan subcontractor, these requirements are set by the General Contractor or Jobsite owner. Most construction jobs will require General Liability Insurance. Other requirements can include Business Auto Insurance and Worker's Compensation. The bigger the job, normally, the more intense are the insurance requirements. Before to start to work, get a copy of the insurance requirements and have your insurance agent quote what is needed. Be very wary of any job or General Contractor that is not upfront with these requirements. They will hold your paycheck until the insurance requirements are met.

Government - Legal requirements come up most often with business vehicles. In Texas, there is a minimum auto liability requirement. For larger vehicles, special types of vehicles or passenger carrying vehicles, much higher legal requirements are imposed and special state filing requirements must be met. In Texas, Worker's Compensation is voluntary but most other states impose this as a legal requirement for business owners. State licenses for some trades will impose liability insurance coverage and reporting requirements.

Critical Risks

Once the required insurance is handled, the next focus should be on the risks that are so critical that, without insurance protection, they can destroy the business. Protection for some of these risks may be already in hand with the insurance protection that was required. However, you should still review your overall situation and identify risks that you can't afford to take and can be offset with an insurance contract.

Perhaps you need higher liability limits than are required for your business to be a safe investment. Maybe an asset is so expensive that replacing it would bankrupt the business. Even though it is not required in Texas, Worker's Compensation can be critical protection from the huge risk of an employee being hurt at work. Lawsuits can come from many potential directions. From which risks does your business need liability protection? A legal review from your business lawyer can help identify points of lawsuit venerability.

Even if you cannot fund this added protection at business opening, you should strive to purchase insurance for these critical risks as soon as possible. Until you are able to offset your business-ending risks with insurance protection, your new business will not be a safe investment.

Economic Risks

The third priority is risks that you want to insure because the protection is a good value. Why take a substantial risk, even if you can survive the loss, when you can offset the risk with affordable insurance? Often, the economic risk worth insuring is a business asset like equipment, inventory or vehicles. Consider the trade-off over a reasonable length of time. Ask yourself: is it better to pay an insurance premium and be protected or is it better to save the insurance cost and self-insure for a potential loss? A high property deductible can be a good strategy by taking the smaller risks yourself and shifting only the large asset risks to an insurance company.

Your cash flow may not be sufficient to buy protection for economic risks early but have your list ready to gradually add this productive coverage as you are able. Your long-term profitability will be improved by prudent use of insurance protection for your important assets.

Summary

Insurance should be part of your business plan. Your focus will first be on the insurance requirements that are barriers in the way of starting your business. Beyond these minimum requirements, fund insurance protection for your risks that have the potential to destroy your business. Finally, as revenues become available, enhance your long-term financial outcome by adding protection for your larger assets that can be economically insured. Good luck on your new business venture.

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I love the "push somebody in front of a bus" analogy. March 10 (Bloomberg) -- Richard Portes, a professor of economics at London Business School, talks about the market for credit default swaps. Portes, who is also founder of the Centre for Economic Policy Research, speaks with Bloomberg's Rishaad Salamat in London. Copyright Bloomberg 2010 credit default swaps cds regulate regulation angela merkle george soros derivatives bonds dangerous eu imf emf insurance aig goldman sachs naked short selling Germany Greece Iceland



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Photos taken 11 July 2006 after 11 months of hand wringing by politicians, insurance companies and contractors. These are pictures of the Town of Chalmette, Louisiana which was flooded out completely and chemicals from a nearby plant contaminated the soil, just to piss the people off even more. These are good people and we hope you come home soon to re-build but if you don't we still understand. Make certain that you know this was 2 years (2006) ago and the population has doubled or tripled and the construction continues. This place, Chalmette, made the Three Mile Island disaster look like a vacation home for retired people! It should be a tourist destination for you since we have had a very happy Mardi Gras, a few Jazz Fests and all the crawfish you need to fill your belly with. The 5 Southern Parishes are back and open for business. Yeah, Buddy! Film some movies down here and get the tax breaks.



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A health insurance policy protects an individual in case of unexpected health problems. Most states make it mandatory for the citizens to have some form of health insurance cover. The insurance market in California has a myriad of health insurance companies providing health insurance plans to individuals belonging to all age groups. However, some insurance companies are quite apprehensive while extending health insurance coverage to self-employed individuals.

Many self-employed individuals often seek health insurance under their spouse?s company insurance plan. If the spouse of a self-employed individual is working for a company offering a group health insurance plan, the individual is automatically covered in the plan.

COBRA (Consolidated Omnibus Budget Reconciliation Act) is a very useful option for the initial period of self-employment. When an individual leaves a job, the employer is compelled by law to offer the individual the choice of retaining their membership in the health insurance plan. However, the individual has to pay the entire premium amount.

Several organizations of self-employed people come together to unite their buying power to obtain inexpensive health insurance by means of a group policy.

This is a viable option for small business owners and self-employed individuals.

Some health insurance companies offer group policies at reasonable prices. This form of policy has many advantages. Apart from being inexpensive, they cover every individual in the group irrespective of their state of health. This option is extremely beneficial for individuals who have been ineligible for individual health plans owing to their health conditions. Many business owners, who are likely to expand their businesses in the near future, usually opt for short-term health insurance policies.

It is advisable to conduct a good research to get the best health insurance plan. However, it is important that the insurance company has a good standing in the insurance market. Individuals can obtain free quotes of various health insurance providers to compare the prices and different types of coverage offered. Individuals who do not have adequate knowledge about health insurance policies can consult a health insurance broker for guidance.

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Hey, I called my congressman, Tom Perriello's office this afternoon, with my concerns about Universal Health care. Here's the scoop: I found what his aid said astonishing... **************************************** ***** Fortunately I recorded the conversation. **************************************** ***** The aid admitted our health care system is healthy. When I sited 72% approval ratings for our current insurance system and Obama's vows in 2007 to destroy the insurance system, and Nancy Pelosi's attacks on our insurers, the aid called our health care system "good". Obama vowed to take on insurance and bring universal health care that will cost tens or hundreds of trillions for taxpayers. Here's the John Stossel video that I mention on the failure of universal health care in England and Canada: www.youtube.com From Canadian lotteries for health care to do-it-yourself dentistry in England this video is an eye opener. People die from cancer 18% more often in Canada. Here's a video with more soundbites from Obama, Congress and other lawmakers licking their chops at universal health care even though it's failed in Canada and England: www.youtube.com Perriello voted for Cap and Trade, the Omnibus Spending bill and the vast majority of Obama initiatives. He also evaded questions several times on Perriello's false claim that his opponent supported a massive tax increase and threatened to hang up every time I brought it up, and then did hand up when I refused to drop the ...



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