Darrell Said:Can somebody e-mail me a blank Acord commercial insurance certificate as a Word doc?We Answered:Ah, I see why from your other question that you are not insured when you should be. Go get help, before you commit fraud and mess up your life more. And, when an uninsured claim happens, you will have judgements against you too....
Lillian Said:In Manhattan, and I need affordable Health Insurance benefits for employees at my small NYC business?We Answered:I would encourage you to visit this website: www.healthsavings.ourperfectcard.com I signed up my employee's of 7 of a fashion boutique a couple of years ago on this plan and they seem to love it. It does not deduct much on from income due to its affordability. This year of 2009, Im am paying for their benefits because its so affordable and because of this recession that this economy is in. And their benefits active in of a matter of only hours. From Medical,...
Marilyn Said:What's the song from the All State insurance commercial?We Answered:ROW, ROW ,ROW YOUR BOAT
GOD BLESSAntonio Said:Insurance companies warn congress if they dont make buying commercial insurance mandatory for all...?We Answered:Those threats should make congress put them out of business, but alas our representatives were bought long ago.Stephen Said:Who is the All State Insurance commercial spokesman?We Answered:Dennis Haysbert...
Manuel Said:Do you need commercial insurance to deliver flowers part time?We Answered:Any one that uses their personal vehicle for business purposes, such as delivering pizza, flowers, news papers, or packages, should have commercial insurance. If you have an accident while in the line of your job the insurance carrier will probably deny coverage.
Using you car for business purposes gives you car more exposure to other traffic so your insurance carrier will need to rate your insurance accordingly.Claire Said:What type of income can you make selling commercial group insurance?We Answered:It pays commission - so if you don't sell, you...
Karl Said:Commercial insurance or auto insurance? In IL.?We Answered:Confusion of terms here . . .there's commercial auto coverage, and private auto coverage. Private auto has an absolute exclusion in it for hauling goods or passengers for a fee. Flat out. You can't endorse "livery" onto a private passenger auto. And you can't renew livery plates with a PP auto policy, either. There isn't any coverage.
Sorry, I know the rates are high for what you're doing. That's because there are a TON of claims.Erika Said:who is the Progressive Auto Insurance commercial girl?We Answered:Her...
Cynthia Said:Why is that Progressive Auto Insurance commercial with that girl "Flo" so appealing?We Answered:Probably because the person that acts as the character "Flo" is so attractive. I myself find her to be an attractive woman. I also think its because of her perkiness. There were a couple of commercials I didn't care for too much but overall, I think its just how the actress portrays her character. She seems down to Earth which attracts most people. So I think its just the actress playing that role so well.. She's the new spokeswoman so she...
Carol Said:Who has the best auto insurance commercials? Geico with the cavemen and gecko or Allstate with Mayhem?We Answered:geico commercials with R Lee Ermey as a shrink... off the hook funny.Lisa Said:Does anyone else hate that wretched woman on the progressive auto insurance commercials?We Answered:Oh thank god! Someone who understands! If me, a clone of myself, and her were in a room, one of us had to kill another, and killing my clone would result in no consequences. Me and my clone would walk out and give each other a high five.Karen Said:Why is there a disclaimer on the...
Everett Said:what company can i get the best small business insurance from that covers fire insurance?We Answered:There is no one best company. A lot depends on what kind of business it is that you want to insure. Contact a local independent agent. He has access to a number of different companies that he can place you with.Alfredo Said:Which companies are best for business insurance?We Answered:What type of business? Nationwide writes a lot of business insurance. If you are in PA I know I guy you should talk to.Mae Said:the best business insurance for a new...
Ronald Said:Worst/Best commercials of 2010?We Answered:I lOOOOOve the santa claus running to target i don't know why lol
I hate... can't remember...
Erik Said:What are the nation wide insurance best spokesperson commercials about?We Answered:The best spokes man commercials which would make sense would involve transition from oil.
Also about peak oil. I note you wrote the commercial did not make sense hence suggestion on what will. No awards to spokes men if message not understood.Martha Said:Hi there! Who has the best comprehensive commercial insurance.?We Answered:I can recommend CIS used them when I was in England for years and when the IRA bomb went off in Manchester they couldn't have been more helpful, advance payments and quick settlement, allowing me to get my life...
Elaine Said:How can I report an Insurance broker for shady business practices?We Answered:Call your State insurance department's consumer complaint division. You don't mention what State you are in so here is a link to all of the insurance departments in the U.S.
http://www.naic.org/state_web_map.htmMitchell Said:how do i start a business in car transporting as the broker? what kind of insurance, bond,etc do i need to havWe Answered:As the business owner, you do not need any license for driving any vehicle, since you are just using the computer, etc., to make loads.
You will have to have state and city license, maybe have to...
Jack Said:What is a ballpark per-unit profit on a 50-100 unit apartment building in Southern California?We Answered:LIke the gal says above, a lot of variables, and I'd like to throw in the economic area location of the apartment. If you cater to mostly blue-collar working class, you'll have security issues of vandalism, burglary, etc.., where your overhead may increase because you need to hire a security guard to patrol the area. I use to be a security guard, and some of my post assignments were apartment complex. They called for security guard service because the crime and...
Leah Said:Will throwing the health insurance companies under the bus magically lower the cost of health care?We Answered:Insurance companies have about 30% overhead vs 4% for medicare.....that means medicare has more of its funding actually getting to where it needs to go, while the private insurance siphons more money to investors and CEOs for private jets. The difference is greater than 1/4 of their total income from insurance fees.
However, tackling the insurance companies without following up with the crooks at the drug companies will ultimately be insufficient. No other nation on earth pays more for the same drugs we buy...
Ray Said:Bad insurance practice.We got a really crappy quote on a crashed car..How many offers are insurers able to d?We Answered:You have been given a lot of really bad, bad answers here. First of all, no one, not even an insurer, is obligated to pay you more than a car is actually worth. I don't care if you've spent $50K keeping it running, a 1999 Dodge Neon isn't worth squat. If you were shopping for a car, which you probably will be soon, are you going to pay 60% more than book value for an average car just because the...
Shelly Said:ive never a insurance claim paid to me before ?We Answered:They will normally pay the garage that mends the car direct and the menders will sort out that they have approval for the works and will get paid before they start on your car.Terri Said:Life Insurance help, NEED HELP NOW!?We Answered:How MUCH life insurance?
$100,000 of ten year term, for the person you describe at the age of 20, is probably going to run you around $75 a year.
If you insist upon paying MONTHLY, instead of YEARLY, you can expect a $10 installment charge per installment...
Brad Said:Starting a catering business- insurance, kitchen and license question.?We Answered:Start out with your business license, as any location that you rent from is going to demand your paperwork.
If you are going to use someone else's kitchen, like a church, then find out from them if their insurance covers outside caterers to use their equipment.
I cater some office buildings, and their insurance covers outside vendors as well as it's own personnel.
If it does not, speak with an Insurance company right away to get information.
Once you have a location locked down, get it in writing from the owners of the location.
You...
Billie Said:Is a business vehicle fully deductible on income taxes?We Answered:Depreciation limits on business vehicles. (2010 not yet complete)
The total depreciation deduction (including the section 179 expense deduction) you can take for a passenger automobile (that is not a truck or a van) you use in your business and first placed in service in 2009 is $2,960 ($10,960 for automobiles for which the special depreciation allowance applies). The maximum deduction you can take for a truck or van you use in your business and first placed in service in 2009 is $3,060 ($11,060 for trucks or vans for which...
Cindy Said:where can i find auto insurance without a business exclusion?We Answered:You can purchase a private passenger vehicle policy with a classification for business use. I write them all the time. It's easy.
Call State Farm. Other companys may do it too.
Just ask for business use on the cars. It's not commercial because it is not a commercial vehicle like a tow truck. It is private passenger classified for business.Theresa Said:Trying to come up with a slogan for new auto insurance business?We Answered:Things Happen After an Insurance
.
Nothing Works...
Lawrence Said:Will Michigan Attorney General Mike Cox sue so that we won't be forced to buy insurance?We Answered:Great Question! Good Point! We'll show these Bozo's in November!Lauren Said:Need help with the last few of my economics review. Help?!?We Answered:1. a
2. b
3. a (I think)
4. d
5. d
6. c
7. b
8. a
Good luck on the exam!!Samantha Said:help with pennfoser consumer math, part 3?We Answered:12) I don't know, but I would go with A
14) b
16) c
18) Not c, probably not d since "term" is a kind of life insurance. So, A or B
20) DDelores Said:For those who still promulgate the notion that the "wage...
Melinda Said:Bonding and insurance for Canadian small business?We Answered:Getting a business insurance quote in Canada is easy and simple these days. I am not sure what is the type of policy that Canadian insurance companies have, but you can find out. Just go to http://www.2insure4less.com and click on the Canadian? link to get a Canadian business insurance quote.Patricia Said:how do i find out who is the bonding/insurance company for a business.?We Answered:?? If you sued THEM, they have to pay you. If they have insurance that covered their liability, it's their job to contact them. You...
Geraldine Said:What is business building insurance and how do I find it at a good price?We Answered:It's insurance for a building that is not a traditional, primary home. Obviously, that leaves it WIDE open.
You find a good price, by contacting several local agents, and getting several quotes. A "good price" is a very relative term - it's going to matter a WAY LOT, the location, protection class, construction, age, prior loss history, condition, and what EXACTLY it's being used for.Ruben Said:Can an agent invoiced me of a Building Insurance of period since 3 years ago ?We...
Rosa Said:New Business from home - Does this effect buildings insurance?We Answered:It may not affect the buildings insurance a great deal. Your landlord should speak to his Insurer or Broker and discuss the nature of the stock you will be keeping in your garage.
The value of the stock will impose an increased theft risk, but that will be more your concern when you propose to an Insurer for contents insurance.
The buildings Insurers may impose and additional premium for the increased risk of damage to the building in the event of an attempted theft, that will be about it I...
Pearl Said:do i need business car insurance???????We Answered:You need to check the wording on your policy. Insurance for the normal family car is Social, Domestic and Pleasure. Technically if you are using the vehicle to commute then you should inform the insurance company - although most people fail to do so. If you have business cover on your policy it only applies to your own business. If you use it for driving your employers clients around or any other business use for an employer then your own policy does not cover you.
Companies that require employees to use their own vehicles...
Terrance Said:Can business insurance be obtained on a vacant commerical business?We Answered:I have found that some Insurers are willing to look at the wider picture before assessing this. For example, if you were taking over an empty shop unit to renovate it and have it open as a hairdressers within 4-8 weeks, then they may offer you a full salon policy with some restrictions in the cover for the 4-8 weeks due to the unoccupancy. However, if you are only looking to insure the empty building whilst it is being renovated, without the full business insurance policy once you are...
Kurt Said:Can you auto detail without a commercial business place?We Answered:depends where you live... home run businesses are common but getting the right certifications and meeting all the legal obligations can be a hassleSteve Said:How much do you sell private property for to a commercial business?We Answered:How much you want for it is a moot point here. You cannot sell private land for commercial use. There are zoning laws for a reason. If an area is only zoned for residential then this would be illegal use. Also, they are not going to allow a power plant to be...
Rose Said:I need to get business insurance for my cleaning company, how much should I get and what will it cost monthly?We Answered:Since you just started the business the insurance will be a bit higher for the first 3 years now there is a way around that if you have more than 3 years experience in the field, also depends on your income and if you'd like to insure your business property or just your liability, now to start with I would suggest, $1mil per occurrence and $2mil total, (aggregated) what this means is you have $1mil in General Liability...
Greg Said:Home insurance no claims?We Answered:Residential property has its own no claims bonus assoiated with it, so your business NCD will not apply in this case.
To be quite honest, the insurance market right now is cut throat. Companies will give you a very good introductory discount to get you on board in the first place. This will probably out weigh the discount you would recieve in the first place. I wouldnt take any notice of discounts, they are all a fad anyway!!!Jimmy Said:Question regarding buildings/contents insuranceWe Answered:If you both have a financial interest then it should be in joint names....
Clyde Said:How much would it cost to start a lawn care business with the insurance and all?We Answered:depends on what equipment if any you already have -
for doing the landscape design portion - it won't cost much -
at all
for the lawn care - if you want to start with good equipment -
you'll need at least one walk behind mower, and a good tight radius mower - figure about $6000 - $8000
a trailer - $2000 ?
Pickup truck - used/new???
tools - rakes, shovels, etc..... $300- $400
chain saw - $300
trimmers- $250 ea
for the deck building -...
Perry Said:I'm buying general liability insurance for a foreclosed home trash out business.?We Answered:yes, the best answer is above. You may want to call other local agents but they'll give you the same answer.
If you are interested in getting answers to all of your insurance questions and how and where to get the best rates available from the leading insurance companies, you should visit the site below. they will help you to keep more money in your pocket.Henry Said:In the state of Washington, how much does General Liability Insurance cost for a small business?We Answered:Contact any insurance company and...
Lena Said:I want to bind a business general liability policy for my home based business, what will they need?We Answered:They'll want a completed application and money.Paul Said:My Homeowners insurance requested my Certificate of Insurance from my Business General Liability.Why? Legal?We Answered:They are probably trying to find out if you are running a business from your home and they are trying to clarify what risk they will include in your HO policy and what is being covered by your CGL policy. They don't want to duplicate coverage and they certain don't want to pay if they can find some other...
Luis Said:Will Insurers Remain In the Health Insurance Business?We Answered:No they will not. The cost of premiums will rise to a level in which people will not be able to keep their coverages and need to try to enroll in the government's plan. With no one buying their coverage it cannot afford to continue in business. Insurance is one great big Ponzi Scheme anyway.
L8rLeona Said:Is there real site to get an instant business health insurance ?We Answered:I recommend you this site where you can compare quotes so you can find the best option for you
http://Cheap-Health-Insurance-USA.infoMelanie Said:How to set up...
Manuel Said:can anyone give me some steps to follow to becoming your own boss?We Answered:Yes - definitely get a good accountancy firm on board at the start. They will be invaluable in helping with all the legalities of starting the business - company registration, tax registration etc. An insurance broker will advise about the policies you will need.
After that you don't need any formal qualifications to run a business just be prepared for a lot of hard work!
Good luck.Ivan Said:Will personal indemnity insurance protect me from losing my personal assets?We Answered:I am assuming you are in the UK...
Sylvia Said:Opening an Insurance Agency in FL- Buying Book of Business?We Answered:Well, my FIRST thought is, if you buy the book, do you get the contracts with the property carriers? If you can't get a contract with a property carrier, it's probably not worth buying the book.
The appointments mean EVERYTHING.Manuel Said:I am looking to get into the insurance business, starting an agency, Can any one tell me which one to go with?We Answered:Reasons not to go with Farmers:
http://www.farmersinsurancegroupsucks.co…
Allstate has a bad reputation also. You should look into options which allow you to be an independent agent.Enrique...
Theodore Said:My auto insurance agent died. How long can the agency continue to do business in his name?We Answered:If someone else bought the name from his estate, they can use his name forever. You think Colonel Sanders is still alive?Rebecca Said:Where can I obtain financing to purchase and existing book of business from an insurance agent?We Answered:Many times the seller will finance this for you, over the course of three, five, or ten years. If the book is small enough, you might be able to get an SBA loan.Tara Said:How to start an Independent insurance agent business??We...
Mathew Said:If you were to put together an insurance business (hiring agents, etc) which is most profitable for the owner?We Answered:The one that makes the most money.Glenn Said:I am new to the insurance business..... Please help Agents answers welcome.?We Answered:first of all TJ should be booted from this site. Get real.
2nd $300 is painfully low? are you an agent? in sales? what products are you selling? Life & health, personal lines? commercial/business?
If you are in sales and have no prior experience, I started out making $25k a year in hourly pay and some small bonuses. See it difficult for an...
Jill Said:Can somebody please recommend a Public Liability Insurer for a contracting business in Australia?We Answered:Yes, someone can - I'd suggest someone in Australia. You posted to the USA board, and I seriously doubt you'll get any non-spam suggestions here.
You should start with the guy who does your car or house insurance, and ask HIM for local recommendations. Last I checked, Australia was pretty darned big - you'll want to deal with someone LOCAL.Jo Said:I want to start a security business in australia?We Answered:Should you find some clients first? For the paperwork, you need to get a...
Becky Said:How do i start my own insurance broker business?We Answered:Go to the department of insurance website for your state and find out what the rules are.
Generally speaking, you will need to have some number of years experience in the insurance industry (it may vary by state) before you can even take the brokers test. You will need to take the state license test before you are a broker. As far as I know, all states also require you to take some number of hours of approved education courses. Again, it will vary by state.
Insurance is regulated...
Terry Said:Where can I get a quick Insurance Brokers license in New York City Area?We Answered:NY Insurance Department has a link to search PreLicensing Providers for various insurance licenses; http://www.ins.state.ny.us/iabedu.htmJimmy Said:Small Business Insurance?We Answered:An insurance broker who handles business insurance would be best. My is through Thrivent Financial.Toni Said:How do you get workers comp insurance for my business?We Answered:When I had a small business I let my insurance broker handle everything from insurance on the physical plant to worker’s comp. It was better because he knew what he was doing and I was pretty much clueless. I had enough other...
Audrey Said:If I register for a business number in Canada and provide my social Insurance number........?We Answered:Yes, you and your business are the same legal entity. You can have as many trade names as you wish, but you are still you. The only way you'd be considered a different legal entity than your business is if your business becomes incorporated. Even then, as director, you are still responsible for GST and Payroll, and can be personally assessed.Ivan Said:I have a business no. and social insurance no. in canada but I'm not a canadian. Is it easy for me...
Chester Said:Which insurance companies often do business with China?We Answered:You're doing this backwards. You have to go to China, the yellow pages, or whatever, and see which insurance companies have a presence there.
I don't know if there are ANY, though. China is a communist country - I doubt they'd allow a US insurance company to operate a US based business there. Christina Said:Why are there Americans who keep defending the unfair business practices of the health insurance companies?We Answered:What you describe is illegal Kelly.
That is not happening. People sometimes do not understand what it is that...
Miguel Said:Can anybody tell me the name of a good business insurance company?We Answered:I have had good experience with Liberty Mutual and Travelers.Eddie Said:Does an internet company require business insurance?We Answered:Since you can still be sued you should get Commercial property (your computer, desk, phone, fax, etc), commercial building if you own the building that you work from, this should include commercial general liability. You should have workers comp for any & all employees. Be sure to tell your agent where you are doing business (US only, worldwide, etc). Also, you may want professional liability depending on...
Miriam Said:Any suggestions regarding Small Business Insurance?We Answered:You indeed need that coverage. If you were to experience a flood, or fire, or any other disaster that wiped out your inventory, your homeowners insurance will not cover it. Yes it may seem redundant, but you need it to cover your household items and your business equipment and inventory. Although everything is located in your home, they are separate, and should be insured separately.
Actually, that is a pretty good price for a policy.Monica Said:Do you really hate that idiotic man with the false twirly thing who wants us to...
Roberto Said:Why is medicare fraud at $60 billion while evil insurance profits are $8 billion?We Answered:yeah, i saw the 60 Minutes bit and it appears this fraud knows no political party, being committed by both dems and neocons. It's a rather sad indictment on all of america, and greed will lead to this country's eventual collapse.Matthew Said:how can you estimate bus insurance if you do not know the type of a bus?We Answered:OK, assuming you're seating over 55 people per bus, not having any clue how much liability you need, or your ages or driving records or locations, the liability...
Willie Said:How much would business insurance cost for a large business in Texas?We Answered:A regular Business liability (slip and fall) will run you about 5,000 per year.Terri Said:Cost of business Insurance in Metro Phoenix AZ?We Answered:First off, I would STRONGLY recommend higher limits than 100/300. I'm not even sure those limits would be available for your type of business. I would definitely recommend 1,000,000 / 2,000,000 limits for the General Liability. Think about it, if someone dies because your people failed to act, or acted negligently, is $100,000 going to be enough to pay off a grieving...
Marc Said:For a Partnership LLC Can I pay my monthly health insurance costs out of the business account?We Answered:It doesn't matter. If you are self employed you can deduct your health insurance premiums. It doesn't matter 'what account' they are paid out of. A partnership is a pass-through vehicle. It pays no taxes.
However, if I was your silent partner I might take issue with you using partnership funds for this unless it was laid out in your agreement.Wallace Said:How much business insurance costs approximately in UK?We Answered:Can't. It depends WILDLY on the kind of business....
Katie Said:Does renters insurance cover a home business?We Answered:No. It's for PERSONAL property, and PERSONAL liability. There are specific exclusions built into it, for business property and business liability.Sandra Said:If I incorporate my small business, can I buy health insurance that will cover a pre-existing condition?We Answered:Each state has different laws governing the insurance carriers in each state. That being said, it is likely that you can get a small group plan, and your pre-existing conditions would be covered immediately because you can prove continuous coverage, (employers plan.) Most likely you would not need to be incorporated, and...
Stephen Said:Business Insurance - Beverage E-tailer coverage requirements?We Answered:Product liability starts at $2500. The recommended amount, is going to depend heavily on the specifics of your product.
Liability insurance isn't required by LAW, it's just the other businesses you want to deal with - trade show, festival sponsors, etc, that will require you to have it, to participate in THEIR venue.Laurie Said:What insurance company is the best for home based business coverage and bonding?We Answered:State Farm offers very good and affordable business coverage. Be sure to sit down with your agent and go over the...
Amy Said:Looking to get into the auto transport business, anyone familiar with this type of business please help!?We Answered:Prices Per mile vary on gas prices & trucking routes. There are many auto transport brokers who make a good living if they serve the customers best intentions professionally. You can find links to governemnt websies to get your broker bond which is required. Once bonded you will also need a place to get new business like haulingdepot.com or movecars.com.Cathy Said:How do i separate direct debits for tax purposes?We Answered:Tax has no real rerlationship with methods of payment. Tax is...
Milton Said:How do I license a business in Florida?We Answered:get some professional advice. ITs too important and too tricky / easy to get wrong....
Ethel Said:What insurance coverage is critical for a business that has little to no customer traffic?We Answered:Hi,
I have found this site to be use full. Check it out……..Arnold Said:How much does general commercial/ business insurance cost for a start up Ltd Company?We Answered:You will need to contact an Insurance Broker. Each business had different needs. My business was catering, so our Insurance would be different than an office based one.Marlene Said:When will I need to buy additional business insurance for my car?We Answered:If you didn't have business coverage and the insurance company could prove that you were using the car...
Regina Said:How much does General Liability Insurance Cost?We Answered:Probably around $750 a year, if you don't do any exterior or roofing.Esther Said:How I can get general liability & transportation insurance for a small concierge/errands biz?We Answered:You go to a local, independent agent, and have them shop it out.
You need general liability insurance, and commercial auto insurance. BUT. That commercial auto insurance, bringing people to appointments - is very, very, VERY expensive - like in excess of $10,000 a year. The general liability will probably run you around $1200 a year.
There's no such thing as "nonskilled medical care"...
Micheal Said:Can I get Group Insurance even Though I do my own Business?We Answered:Here in Houston, you need THREE employees to be a group.
I'm wondering if you are under the mistaken impression that group insurance is CHEAPER than individual insurance. It's not. Groups under 25, are individually underwritten - every employee fills out an application and the rate is determined by averaging everyone's health. An insurance company can REFUSE to give you a quote, for group health. And lastly, the reason it might seem cheaper when you're an employee, is because the EMPLOYER picks up...
Monica Said:How can you set up a business without a National Insurance Number?We Answered:Easy answer you cannot. You are still a minor and legally in the UK too young to own a business. You are still classed as a student. To become self employed you will have to wait until you are 16 and in receipt of your NI number.Yvonne Said:I'm trying to find a tourism business insurance estimate?We Answered:You describe quite an attractive business for every agent or broker. Cost can vary from 2% to 10% of your annual turnover - the lower the turnover - the higher...
Gladys Said:How do start a home business in the UK?We Answered:There is no cost to register a business name in the UK. For example you can use your own name or something like 'At Home Computer Repairs'.
However, you need to tell the tax office that you are starting a business.
As for insurance you can see this article http://www.successful-home-based-busines… which is about home business insurance. It summarises what you need to do.
Also on that web site you'll find useful information on marketing and so on. There's also a specific article on starting a computer repair business and I've given this link...
Margie Said:Does a business have to release their insurance information when an employee damages your property?We Answered:No, they don't. It's private information.
You can either file under your own insurance, and let your insurance take them to court, or you can sue the employee in court.Nelson Said:where do i find information on starting a valet parking business and insurance needed?We Answered:Since you've never been in business before, I would strongly recommend that you talk to a business counselor before you do anything especially spend money. You have to determine whether you'll start a web based business or one with...
Katie Said:Did I receive a good quote?We Answered:Product liability insurance is very important for any business or selling some thing.. Product liability insurance provides coverage against safety claims, manufacturing defects, spoilage costs, medical costs and legal defense costs. For getting the insurance you need to consult a insurance broker..Everett Said:Should I buy $500K limit for $4800/Yr. or $1M limit for $7400/Yr. of Employment Practices Liability Insurance?We Answered:You need to look at your turnover, and the type of employee you have. Also, keep in mind most will settle before trial (but still incur mighty defense costs as they drag out,...
Dale Said:Who has the best liability insurance for a small event planning business?We Answered:First of alll, you can't buy this over the internet.
Second, asking the question like this, asking for "the best package for my business" based on those two sentences, would be like me asking you to plan my event that I have in July.
NO WHERE NEAR enough information.
There's no short cut. You're GOING to have to talk to a few local, independent agents, to get quotes. Depending on which policies you'll need, and how much coverage, etc, you can probably...
Margie Said:I am opening an adult day care business in my home and need liability insurance..?We Answered:Home insurance covers lots of different things. I'm not sure about Nevada laws and regulations, so I suggest you call a nearby homeowners insurance agent. http://www.usinsuranceadvisor.com/Home-Insurance.html They will be able to help you....
Doris Said:What are the begining expenses and actions for a new business?We Answered:Like the previous answer said, the for Dummies books are great. However, I think the human touch is even better. I think the best route is to find people already in business doing either what you aspire to or close to it. You can check you local yellow page or the local Chamber of Commerce website. Contact these people, at least three, if available, and ask them to mentor you, or in the very least, allow you to treat them to lunch to crunch numbers. It is highly...
Marjorie Said:ex bankrupt needs business insurance?We Answered:try a compant called suttons specialist risks they are in the bristol area...
Phyllis Said:My husband is a truck driver, and we want to start our own truck dispatching home business in NJ?We Answered:You dont need any permits to operate your own home business, unless you want to become a freight broker; which is totaly opposite of a dispatchure. You can find freight on internet truck stop, get loaded.com etc.... and they provide you with the broker s credit. All you need is a phone, computer with internet access and a fax; and you are good to go. Just get a membership to any of these web sites since they all kind of...
Javier Said:Who in the world can afford to buy their own health insurance now who doesn't have any?We Answered:to quote our beloved president..............."this is what change looks like." too bad for those of us who already knew what change was going to look like that the majority didn't get it @the polls. they'll get it soon enough I guess.
one more nail in the coffin of the american citizen.....honestly, it's about selling a kidney to pay for the honor of giving one up..............
@least he's helping us live up to mark 10:21.
I've got a better way to 'cut...
Eugene Said:Online Auto Insurance Quotes, are they really safe and accurate?We Answered:Stick with the major carriers websites. Avoid web sites not associated with a major carrier that offer comparative quotes. The quotes you receive will be estimates and the result will be that the policy will not be issued at the price that was quoted.
Try this site to find the best auto insurance
http://best-auto-ins-usa.blogspot.com/
Here you can get quotes from different auto insurance companies in your area, its the best way to find an affordable auto insurance with a reliable company.Tina Said:How much are business records worth?We Answered:If all of your Business...
Dora Said:I' m looking for insurance business online -life, homeowners, auto and health.Can you link me with any websiteWe Answered:you may also take a look at this site. this online business offers affordable alternative to Major Medical Insurance Plans for the individual as well as the Family members....
Marshall Said:How do I add my landlord onto my business insurance policy as an adition insured?We Answered:Talk to your insurance agent. Should not be a big deal but it might change your rate.Samuel Said:How do I add my landlord onto my business insurance policy?We Answered:This is a very common situation and is easily addressed by requesting your agent / company to add an additional insured endorsement. It should be done at no charge, but some companies make a modest charge just for processing the paper.
You may be interested in knowing that the standard business liability policy in...
Jerome Said:Do I need a business insurance policy?We Answered:Your agent is correct. If you use that laptop 1/2 of 1% of the time, it's business property, legally, and subject to the coverage limitations on your condo policy - which is $250 off premises. Off premises includes the office space you rented.
The appropriate coverage, is a business owners policy. The PERSONAL items there, the china and clothes, are automatically covered at that location, under your condo policy, for 10% of the personal property limit, and you can increase that coverage amount.
Whatever you're using to make...
Zachary Said:Can a small business charge an employee more for insurance premiums than they actually cost?We Answered:You cannot offer group insurance to your employees for profit. Most carriers underwriting guidlines further require you to pay a portion of their benefits somewhere in the area of 50% or a defined contribution.
You should talk to an agent....
Most carriers will allow you to write a small group with as little as one enrolled if you have two elgible employees. In theory you can have a qualified waiver due to other insurance (You and wife) and just have the one employee enroll....
Martin Said:how do i find the right small black business insurance at reasonable prices?We Answered:Boy, with you blacks its always about Race. Blacks are the biggest racists on the planet. How long before liberals open their freaking eyes to the scams these turds perpetrate?Adrian Said:what is the average price of business insurance?We Answered:What does the average business do? How do you average an accountant and a carpenter?
Business insurance can be anywhere from $500 a year for a full package, to $100,000, and even more. But it's much, much more complicated than auto or homeowners insurance.Clinton Said:What are the...
Nellie Said:How do i start a physical therapy clinic and become a provider of insurance? do i need business license?We Answered:First you go to school and become a PT
Pass the national exam
get a license
get some experience and make some money
Get incorporated or become a PLLC
Rent a space/buy equipment/ pay for malpractice insurance/workers comp/ and liability insurance
You will also need to get health insurance for yourself and any staff. We are members of the chamber of commerence and get insurance through them.
Then apply to each insurance company to become a provider
There are plenty of regulations
You can outsourse billing but it...
Alexander Said:When Obama and the rest of the ultra liberal democrats force my insurance provider out of business and?We Answered:Then I will be a happy man. It will be about time.Ramon Said:As an business owner, do I 1099 my insurance providers?We Answered:No, you do not send a 1099-MISC to companies that you pay insurance to. If you pay sub-contracts or contract laborers then you would send these people one.Patricia Said:How to start Car and Business Insurance Business.?We Answered:AIG insurance or HArtfordSally Said:Is having your own incorporated business a better approach to obtaining private family Health Insurance?We Answered:Not going to...
George Said:What is the best busines insurance for Victorian Painters?We Answered:Public Liability is commonly referred to as General Liability in the insurance industry and covers for damage or injury arising from your "negligence". Workers Compensation is coverage for injury to your employees. These are the two most common coverages sought by small contractors. The companies/Policies I would recommend would differ based on your business and the state you work in.
However, just to give you a jumping off point, you may want to look into a Hartford BOP (Business Owners Policy). Hartford also writes Workers...
Andy Said:Do you think the health insurance industry is involved with protests at town hall meetings and online?We Answered:Follow the money! Of course the insurance industry is behind the disinformation. They make billions from the taxpayers, why would they want reform?Lewis Said:How protected are you against online credit card fraud?We Answered:I would have a word with your bank as they are the once's that will be able to answer your question. Basically when ordering things online make sure that the page has a padlock on the browser (normally al the bottom of internet explorer) Also another way to...
Rhonda Said:Business Insurance..?We Answered:If you employ anyone, you need employers liability.
If you are on your own, business interruption insurance could be advisable, to cover you if you fall very ill.
Also, insure your equipment and against your software being pirated....
Leroy Said:is this a scam????it says this needs to be 20 characters?We Answered:It is a scam. one of the easiest way to check is to look up the name of the organization. If they where legit they would have a site. Also they would not appear on plenty of scam sites as scam emails.
You may visit sites across the web but how many do you sign up to and leave your email address with.
If you did not enter it then there is no way you could win it.
One final check is to open the headers on the...
Delores Said:I babysit do I need business insurance?We Answered:If you are transporting someone else's kids to and from school, you should be ok with stating incidental usage for the biz. If you go commercial, the problem, though, is whether or not you fall under the category of a livery service or not. That's where it gets sticky...and very expensive.
The questions re: whether you use in business is usually geared toward someone driving pizzas, or florist delivery..where being on the road is your business. The more you are on the road, the more you present a risk. ...
Gertrude Said:Where can I find business cargo insurance at reasonable rates?We Answered:Try contacting your state's Dept of Insurance. In California, for example, the Dept of Insurance website offers links to various types and providers of insurance. Commercial/business insurance offers A LOT of different types of coverage for specific things including transport of goods and business property. The easiest thing might be to find a commercial lines broker and have them hunt for all the different types of insurance you will need.Jacob Said:What is the rate for insurance on a small errand service company?We Answered:The lowest premium I write for small...
Eddie Said:If I were to open an car insurance business and set my rates to make a profit, yet did not charge extra if?We Answered:Past accidents and zip codes and what kind of car they drive all factor into what kind of risk the customer presents -- i.e., how likely they are to cost you money. Other insurance companies know this and set their rates accordingly.
If you charge all customers the same rate, what you will find is that the good risks go elsewhere (because they can get a better rate) and you'll be stuck with the bad risks...
Kim Said:Should health insurance business be banned?We Answered:I dont think so
India's problem is unique - population, illetracy and a curropt society
whether we like it or not we shall have Doctor's charging patients heavily bcos good Doctors/hospitals are a shortage - Atleast with insurance mostly provided by group insurance policies people get their claim and hospital get their due and not all are bad.
Yes these hospitals need to be kept under control by relevant authorities,
With a medical insurance atleast us middle class who pay heavy taxes can get our family treated at decent places.
If we visit Municipal/Govt hospitals in Mumbai...
Andrea Said:Do you need small business insurance?We Answered:The question is... can you afford the risk if you don't buy it? (i.e. self-insured).
Let's say you try to fix a computer but something went wrong and you fried the computer. The owner sues you for damages. Can you afford to pay?
Or let's say you hired someone who decided to break customer's password to access the customer's stash of celebrity naked photos (hey, it has happened). Celebrity sues the employee, AND your company, AND all the officers/partners in the company. Can you afford to pay the damages or even just the...
Leon Said:what are 5 types of international business insurance?We Answered:Five types of International Business Insurance? I am going to assume you mean coverages that are used all over the world, here is a list of a few,
Commercial Automobile
Commercial Property
Inland Marine
Marine Coverage
General Liability
Hope this helps, good luck to you!Pamela Said:I am starting a resurfacing (reglazing) business in AR, what types of insurance should I obtain?We Answered:You need to sit down with a local, independent agent. Likely he's going to recommend several policies - workers compensation for sure, general liability, commercial property coverage including an equipment floater, and commercial auto...
Betty Said:What providers of Islamic business insurance are there in the UK?We Answered:Cheek it http://www.epersonalinjury.caErica Said:Where can I get insurance for starting a cat sitting business in the UK?We Answered:Why not start small without insurance. So if it doesn't work you lose nothing.
Insurance isn't obligatory.Cheryl Said:Insurance sector jobs for Indians in the UK?We Answered:No, a visitor's visa category can neither be changed to a Tier 2 sponsored work visa in the United Kingdom nor are you authorized to work on a business visa. A U.K. company can issue you a certificate of sponsorship if they have a gap which cannot...
Daryl Said:do you have to have a motor/car business to get a traders policy car insurance?We Answered:autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service....
Adrian Said:Used vehicle business question!?We Answered:You need to rethink this business.
Probably not a good idea.
In any event, you probably need a place of business, in a location zoned for business, a dealers license, surety bond and garage liability insurance.
The liability insurance alone runs $2500-3000 per year.
Its unlikely you would generate enough commissions to pay your expenses.Stella Said:I am in the process of starting a vehicle hire business?We Answered:Most motor insurance companies will also offer business motor insurance. They cover taxi drivers, self-employed delivery drivers, mobile valets, etc. Many will be one vehicle companies.
Contact any of the major insurance...
Stacy Said:My business threatened by complex insurance claim, how can I get out of it?We Answered:To be exact, your business is not threatened by a complex insurance claim, it is threatened by the illicit theft of valuable assets. You need to sue and take criminal actions against the party which stole your assets. If this was some kind of scam and the perpetrators cannot be found, that may be difficult to do. Most insurance covers the physical theft or destruction of property. Insurance cannot provide protection against scams otherwise they would soon go out of business. You don't go into...
Gordon Said:I need liability insurance for my small purified water store.?We Answered:No, for a new business, you have to go to an independent agent, and they can shop around and find coverage for you. You'll probably end up with Scottsdale or some other non-admitted carrier for a few years, as standard carriers want three years of insurance history in order to write you.Leo Said:Need help with some Jurnal entries for the month of march?We Answered:can u make your sentence smaller so i can understand it?...
Rachel Said:i need a business liability insurance for a tattoo shop want to know if anyone has a company they could refer?We Answered:Well your best bet is to find a local broker as they have access to many different insurance companies and can find you the best deal.Daryl Said:Business Liability Insurance?We Answered:My quick answer would be no. But Business insurance is priced completely off of the type of work you do. If you say you are a contractor, you might want to add at least one zero to the end of those monthly figures. If you are...
Nancy Said:How much is the most basic liability insurance for a very small beverage distribution company in New Haven?We Answered:Assuming this is a nonalcoholic beverage distributor, your liability is going to cost you around $2500 a year, your workers comp about $2,000, your commercial auto (truck delivery) about $3500, your contents/stock coverage about $1,000, assuming gross sales under $1,000,000 and property values under $50,000....
Karl Said:Can I cover subcontractors with liability and bonding insurance?We Answered:Any uninsured subcontractor you hire, WILL be covered under your general liability policy - and the premium will be charged, based on the full amount you pay them, when your policy gets audited - and it WILL get audited.
You're ALSO "on the hook" for any workers compensation benefits, if you have an uninsured subcontractor working for you - even if you don't buy workers comp insurance.
Generally, though, the bonding doesn't extend to subcontractors - only EMPLOYEES.Patsy Said:How much commission does an insurance salesman make on a typical business policy?We Answered:5%...
Patrick Said:I am doing a business plan for my esthetics program and i am having trouble with the insurance part?We Answered:Yes, well, a LOT of information is needed from you, to get those quotes. The range of pricing is HUGE for businesses, and it depends on the exact amount of coverage, among other things.
You're going to have to go talk to a local agent - buy them lunch or something - then give them answers to about 100 different questions, and ask them to give you guestimates for numbers, as you don't need real quotes....
Neil Said:What does "Personal/Adv Inj." coverage mean!?We Answered:Personal injury insures you in the event a third party alleges your actions resulted in libel, slander, invasion of their privacy or a false arrest.
Advertising injury insures you in the event a third party alleges that your advertising resulted in libel or slander, violation of the right to privacy, misappropriation of advertising ideas, or infringement of copyright, title or slogan.
Ask the agent to explain the rest. That is his or her job.Billy Said:Anyone know of any companies that do Garage Liabilty insurance?We Answered:Donegal,South And Western,Hartford,Liberty Mutal,Lots do Just google garage liability insurance and...
Arlene Said:10 POINTS for best answer! I am starting a small business, mowing lawns..?We Answered:I am in Virginia and my husband has a mowing business. His insurance is through Cincinnati Insurance Company. For a $1million policy it runs him $300 a year. He also has his commercial mowers insured for an extra $110 per year per mower. The value of the policy on the mowers are $9k each.Maxine Said:Starting a business in Tree work and Landscaping?We Answered:http://articlesgalaxy.blogspot.com/searc…Samantha Said:How to start a tutoring business?We Answered:Check with your state and local authorities to see what is required. ...
Debra Said:What rates do you have to pay on a UK high street cafe?We Answered:The Agents should know what the business rates are and you should be liable for small business rate relief. just phone your Council.
You will need to have the gas/electric & water put into your name, so when the lease is signed ask the Landlord who they are with, then phone them.
Phone any local broker online and they will give you a quote for public liability Insurance which you must have. If you are using a deep fat fryer you will need extra cover for that.
Don't forget...
Lisa Said:What is the average cost for business insurance? Specifically liability and workers compensation.?We Answered:Workmens Comp will cost you apx 1% of each worker's salary monthly. Not too expensive but it eats up your profit. Business insurance will be tied into the type of operation you run. Heavy trucks and lifting motors? $250 per worker per month? Sitting in an office? $50 per worker per month.
You didn't mention health insurance but you can guess that will be at least $250 per month per person without covering their family.
I hope that you...
Cathy Said:where can I get liability quotes for a start up business, sole proprietorship?We Answered:www.hiscox.co.uk...
Cathy Said:How do you bill medical insurance for a caregiving business?We Answered:You must contact the insurance company your guest would be using - each company has exacting standards on what is covered and what is not. They will supply you with a packet and instruction on how to bill as well as requirements for your facility. If you have a personal agent he/she may be able to help you contact a "providers" agent. Good Luck!Betty Said:What is the best kind of insurance to cover a medical service business?We Answered:You need an umbrella insurance policy as well as others that...
Earl Said:Should my motor trade Insurance bill be categorized under my business expenses or personal?We Answered:It doesn't matter if you are a sole trader, but my choice will be under business expenses.Kent Said:Motor Trade insurance policy help?We Answered:J G strikes again!
If stopped by the Police they would find no insurance for the car for him on the MID. They would then want to know who he was insured through and they would then phone the insurer to check it out there and then.
If he goes through an ANPR check or an ANPR equipped police car flags the car up as...
Raul Said:When office space decreases, should property insurance premium decrease?We Answered:If you're the tenant, then the rating basis isn't the square footage occupied - it's the PROPERTY LIMIT. If the limit of coverage stays the same, then the fact that you're occupying less coverage, is completely irrelevant. Also, like the E&O you just asked about, there's still a "minimum premium" that applies to the policy.
Square footage is one of four commonly used rating basis for GENERAL LIABILITY. Typically, you'd see it most often in warehouse risks. Not having any idea what kind of business you...
April Said:What is the best low cost health insurance for a small business owner with no employees?We Answered:I've been doing research on this since I will be start a new business in a few months and want to be covered with health insurance. I was able to compare a lot of plans and see different prices using http://healthquoteneeded.excellentabc.co… . I'm still deciding on which plan to go with but this should help you a bit.
Good luckEdna Said:does business owners insurance cover damage caused by a renter?We Answered:Policies are written to cover SPECIFIC damage. Wear and tear is...
Lonnie Said:Do aircraft maintenance mechanics and business owners need insurance?We Answered:yes everyone needs insurance most of the time individual mechanics are covered under they're employers but all reputable avaition companies carry insuranceJoel Said:Small business owners - what type of business and what insurance do you carry?We Answered:You need business auto insurance on the vehicles that the repair people drive. Regular insurance won't pay any claims if you are using private vehicle insurance for business use. This can be an actual business policy or in most cases your regular insurance can be classified as business.
Depending upon your business you could possibly...
Thomas Said:Accountants - Which is more important: the audit of prepaid insurance or the adequacy of insurance?We Answered:The question does not mention whether you are performing an audit of the company's financial statements or of operations.
As an auditor of the financial statements (probably an external audit), you are responsible for the accurate presentation of the financials, so pre-paid insurance would be more important.
As an auditor of operations (as an external audit or internal audit), you are responsible for the effectiveness and efficiency of operations, as well as compliance. Adequacy of insurance would be more important because of its impact to...
Sylvia Said:I need advise on how to pursue Personal insurance sales?We Answered:Trying to generate a "book" of customers from scratch is always tougher at the beginning. I've been doing personal insurance sales for about four years now and it gets easier every year. My best referrals come from existing clients, without them your job is already more difficult.
A couple of suggestions for you. First, network, network, network. The more people you speak with, the larger your web becomes. Don't tell people you're selling insurance on the side, they don't want to hear that...
Nancy Said:where to get general liability insurance for a property preservation business in Austin, TX?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.Jennifer Said:how to start a property and casualty insurance broker business?We Answered:First you need to get licensed. Check out Dearborn.com for study materials. Talk to some local agents. You can get a list from here: http://www.findlocalinsurance.com
One strategy may be to become an independent agent and rent a desk in a realtor's office. Then you work with the realtor to write all the homeowners...
Jessie Said:How much does public liability insurance cost per year for a new business selling hot food?We Answered:We paid £300 a year for our cafe. You need to shop around through a Broker.Lonnie Said:cheap public liability insurance for market traders?We Answered:Try Coverzones (http://www.coverzones.com). On their site you can compare business insurance quotes from a range of UK insurers for Public Liability insurance (http://www.coverzones.com/policies/public-liability-insurance....
Amy Said:Beware listing additional insured (landlord) on business insurance can be used as their legal rep against you?We Answered:As much as I enjoy taking all-caps legal advice from strangers of dubious qualifications who can neither provide nor spell "counsel," I must regretfully decline to adopt your rant as holy writ....
Violet Said:How much does Ice Cream Van Insurance Cost (On Average Per Month)????We Answered:You can check out ice cream vans at www.catersell.co.uk there is loads for sale. My van is insured with mobilers and I pay £250 for 6 months cover and £148.50 for public liability. I think it depends on the value and your age and where you live. Mobilers have an ice cream van site where you can get a quote www.icecreamvans.co.ukHugh Said:How much is auto insurance generally for a delivery van?We Answered:Help yourself - you can check your quotes in internet, for example here - carinsurance.yoll.netRoland...
Ricardo Said:If I register my three vehicles to a business will the insurance be less expensive?We Answered:It will personally cost you less to insure your autos with your commercial policy, but it won't actually cost less to insure the vehicles. If you use them in your business, and you have personal auto policy coverage on them, you have to pay an extra charge because of business usage. If you have them on a commercial auto policy, the extra expense of business usage is already figured in. You should talk to your insurance agent about how is best for you to...
Chris Said:I'm starting a limo business and i need to know what do i need to buy besides tags and insurance.?We Answered:Please feel free to contact me directly regarding 1) referral for best rates on limo insurance, 2) limousine lead services, 3) online marketing suggestions, 4) fleet / dispatch management software that companies have recommended to me over the years and 5) limousine companies that would be willing to advise you on how to get started and what has worked for them.Miguel Said:My brother is going into the insurance business? lost his last job?We Answered:now that first lady is wrong......
Doris Said:What type of insurance should I buy for my painting business?We Answered:Insurance does not work that way. The shortest term policy you will be able to purchase for a contracting business would be annual.
You should have General Liability and Workers Compensation, those are the two biggest ones of which people will ask. The GL should be relatively inexpensive; maybe $1,000 per full-time employee and $700 per part-time. Workers Comp should run you around 10% of the company payroll for the painting class.
Contact a local agent, they will be able to quote you up 1, 2,...
Georgia Said:is it just me or do u hate Geico TV commerical?when i see the commercial i know i'll never buy that insurance?We Answered:all commercials are lame. anything that is forced upon you to buy something (get your money) is lame....
Loretta Said:How much does Blue Cross Health insurance for a small business in LA, CA cost.?We Answered:It's going to depend on the average age, and if you're including spouses or not, and if you're including part timers or not . . .and for 10 people, they're going to look at each person's health history, also.
NO ONE is going to give you a rate blind. And you're not going to be able to get one over the internet, either.
If you want a WAG, (Wild a** guess), it's going to be around $500 a month per person, if the...
Carol Said:What steps are needed to obtain a license to sale Insurance in the State of California?We Answered:You go to the California insurance department website. They'll tell you how to do it.
There are several types of insurance licenses - the lines you mention all fall under property/casualty. You have to pass a test and pay a fee. Once you do that, any agency would hire you on, on a straight commission basis.
First you study - anywhere from two weeks to a month should be fine. Then you take the test, then within...
Kay Said:Commercial insurance in California?We Answered:Farmers is a captive, last I checked. You're going to cancel your Farmers contract to go independent?
What size book do you have to roll over, and what's the loss ratio?
You're not likely to get an appointment with six months under your belt, unless you have a million dollar book to roll. You're better off just going to a wholesaler. But you might not be able to do that while keeping your Farmer's contract valid.
That's the major drawback of being a captive agent . . . if you can't...
Dawn Said:How much does it cost to register a passenger vehicle in your province or state?We Answered:Some states have a flat fee for registration, others have a complicated and convoluted formula for figuring it out. In my state, Oklahoma for an example:
Flat fee, value and age: $15.00 plus 1.25%
of the factory delivered price. Fee for
2nd through 12th year is $15.00 plus
90 percent of the previous year's percentage
fee. The fee will be the same for the 12th
year through the 20th year. A $1.75 admin.
fee and a $3.00 general revenue fund fee
are included in columns (2) through (4). The
$15.00 registration fee...
Kent Said:POLL: For the *wonderful* ladies and Gentlemen of P&S?We Answered:She's super cute!
(:
Erik Said:Does your health plan " guarantee " that they will pay your expenses and never drop you ar deny your coverage?We Answered:unfortunately it's quite the opposite.
literally every private health insurance policy will include the following words:
"this is not a guarantee of coverage or benefit or payment..."
most insurances allow a procedure to be completed before they decide that what your doctor prescribed for your treatment wouldn't be paid - thereby leaving the patient holding the responsibility for the payment.
this is why over 70% of the bankruptcies for medical...
Joan Said:Commercial insurance or car insurance? In IL.?We Answered:Confusion of terms here . . .there's commercial car coverage, and private car coverage. Private car has an absolute exclusion in it for hauling goods or passengers for a fee. Flat out. You can't endorse "livery" onto a private passenger auto. And you can't renew livery plates with a PP car policy, either. There isn't any coverage.
Also, a good resource is...
http://www.surveyland.org/jump.php?link=insurance
Best of luck to you....
Timothy Said:does anyone know who sings the song in the geico car insurance commercial?We Answered:"Remind Me" by Royksopp
You can listen to the song here:
http://www.youtube.com/watch?v=15uo9qGlK…Edwin Said:who is the actor in the progressive car insurance commercial?We Answered:the one with the box thats KENNY MAINeCarmen Said:Car insurance commercial were black guy makes funny car noises???We Answered:The guy is Michael Winslow. He played Narvelle Jones in the police academy movies. I caught his live act one time and he had people laughing so much some fell out of their seats.Jon Said:What was that car insurance commercial..?We Answered:I believe it was Century 21
spell checkAlvin...
Michele Said:Do all the stupid car insurance commercials get on your nerves?We Answered:Those aren't the only ones that get on my nerves.Louise Said:Is the lady on the PROGRESSIVE car insurance commercials just annoying?We Answered:Nope, she annoys the bejesus out of me.Kay Said:Why is the gecko in those Geico car insurance commercials so stuck up?We Answered:I think he's confident, but sweet. Who would buy insurance from an insecure gecko?Carolyn Said:Why are we seeing so many more car insurance commercials than we used to?We Answered:It all happened by accident.Viola Said:who is that girl on the progressive car insurance commercials?We Answered:I had been...
Tamara Said:What commercial insurance carriers will insure a movie cinema?We Answered:Many companies will. Cinema is a business and many companies would love to insurance it. So the price is the deciding factor, not the company. If you want to get an insurance quote for your business, follow the steps below.
1) Go to http://www.2insure4less.com
2) Click on the Business Tab on top
3) Fill out an insurance request form
4) Get insurance rates and save moneyVeronica Said:What commercial insurance carriers will insure a movie cinema?We Answered:Many companies will. Cinema is a business and many companies would love to insurance it. So the...
Greg Said:My business partner wants to be an LLC, but can we 'register' that in another state while working in CA?cheap?We Answered:Yes you can live in one state and have your business registered in another.
I live in Wisconsin and my business (LLC) is registered in Las Vegas, NV
There are no state taxes in NV or FL
RobertYvonne Said:What's your best car insurance quote? I'm with Budget at the mo, (ending in Sept) .....?We Answered:First of all - you will have to declare your speeding for another year (it takes 5 years to be spent)
Secondly - Budget are notorious in the industry...
Sally Said:won't cheap government health insurance put free market insurance companies out of business?We Answered:No.
A. It isn't 'cheap' insurance. You will still pay a monthly premium that will be slightly more affordable than traditional HMO premiums.
B. The entire point is for HMO's to stop putting profits over people's lives.
C. The HMO has a choice to make....to actually serve their customer, or to serve themselves at the cost of their customers.
D. Many HMO's will lower their prices to legitimately compete....others will extend their coverages and allow for more benefits under their plans.
E. Most people won't change their...
Jackie Said:how do i star a business on the cheap?We Answered:Back in the day when financing was easy to come by you wouldn't have to worry about raising venture capital. Well, times have changed. You would be better off not attempting to raise venture capital by means of an investor. Take some of these tips on how to start-up your business on the cheap.
Be knowledgeable. Knowing your business can get you farther than you think. Start by visiting forums on your particular niche and give feedback, suggestions and answers to those who post questions. You'll soon become known on the...
Cynthia Said:Which political party do I belong, in the US?We Answered:A Republican or Democrat or Independent.....
But not a Conservative or Liberal
You are in the group that should stick together and clean Washington up and get rid of corruption......
Thomas Said:Why does my eye twitch every time i watch adverts/commercials?We Answered:You are not alone my friend. I hate commercials so much that I find it hard to sit down and watch TV these days. They're such an intrusion on our psychie. The worst ones I think are the ones like the one for 'cillit bang' with 'barry scott' And other similar distastefully bright and loud commercials that Force a product brand into your brain without your consent.
But you see they work. As I've just proved by naming the product and even the **** who...
Becky Said:Would you find healthcare reform like this acceptable?We Answered:The problem comes when someone who can't afford anything beyond the low tier gets cancer and exhausts his coverage. He then goes to the emergency room and gets treated (badly). These costs are then passed to those with insurance, or to the taxpayer.
We need to get every American into the health insurance pool. The money you pay in when you are in your 20's and 30's pay for the care you will need after age 50. In the event you get cancer at age 20, you are covered. Right now,...
Jordan Said:Best/Cheapest insurance for small business?We Answered:AmeriPlan has plans starting at $19.95 for your entire household to $39.95 for pretty much everything Medical. Check out my source or email me if you have questions.Danny Said:How to go about getting cheap business insurance?We Answered:You can't buy business insurance online, so don't bother with all those spam links you're probably going to get.
You talk to a local (to you) agent, who can get you quotes. Maybe you want to talk to several agents.
There's no "deal" out there. New businesses, most insurance companies don't want to write them, until after...
Floyd Said:How can i open a commercial office cleaning company in ct?We Answered:The great thing about a cleaning business is it doesn't take a lot of start up money.
A cleaning business-whether residential or office-is a terrific way to have a stable income. And you're smart to investigate before you try and get clients!
Here's some beginning steps:
1. Check with your city or county clerk's office to see if you need a business license or fictious name license. These are inexpensive ($25-$50) and usually last 3 or more years;
2. Then, call around to insurance companies and compare prices for liability insurance (sometimes...
Cindy Said:Why is President Obama insisting on breaking the law and gather information on individuals deemed fishy by him?We Answered:That one is going to bite him in the back side, even more than putting his nose into that police action did. He's a very naive, inexperienced person who operates on arrogance rather than anything else.Jackie Said:Why does Obama lie about taking money from specail interest groups and lobbyists?We Answered:who knew! why isn't this information being shared with the public? if this is true, it is a clear indication that the media is not doing there job...but i...
Nicholas Said:how much does it cost for public liability insurance on bouncy castle hire on the costa blanca,spain?We Answered:Blimey, I bet it’s fun in her house at Christmas !
Anyways….. to answer your question
Depends a lot on how you’re going to operate, are you just going to hire the kit out for people to use at parties etc or set it up on the beach and charge people to have a go. The insurance liability will be massively different between the two.
Best bet is to contact a UK broker, a decent one will be able to arrange cover for you anywhere...
Marvin Said:Where do you stand about rock songs used for TV Commercials?We Answered:I can no longer listen to She Works Hard For The Money - Donna Summer without thinking of McDonald's. I think they used that song back in the 80s and McDonald's has gone through multiple ad campaigns since, but I still can't shake it. Chalk one up to the marketers.
Anyways, Flea had this to say about things:
"The Chili Peppers get offers all the time to sell songs for commercials and tour sponsorships, and our manager says it's not considered selling out anymore. It's the smart move,...
Joseph Said:Cleaning Business Insurance?We Answered:There is no way to give you a ballpark estimate for insurance. There are so many determining factors, including the state you live in. Be prepared to give an agent an estimated payroll as well as information about what you will be doing and your previous experience.
Don't be afraid to call a local agent and get a quote! You might be surprised by the premiums and the payment plans available.Jorge Said:Could I start a cleaning "business" with no insurance?We Answered:Yes, you could probably start without insurance & permits, but, in my opinion, it would depend...
Joel Said:What is the value of tangible insurance protection that is being illustrated?We Answered:Where did you plagiarize this from? How is anyone really able to cover the potential damage from a terrorist act and why should it be a separate rider or policy? Doesn't make much sense to me.Christina Said:Are you looking for a career in health insurance?We Answered:No. I'm notSeth Said:How can I start an insurane business as an independent agent.?We Answered:You have to get the insurance companies to sign you up.
You're not worth the bother unless you have a lot of business already. "Captive" insurance companies are...
Emily Said:Commercial Equine Liability Insurance question...?We Answered:You only need the liability, if someone sues you. If no one sues you, you don't need the liability coverage.
We have no idea what state you are in, what the state laws are - but, in general, liability doesn't "go away" just becase you only teach one day a week.
If you want someone else to pay for your defense lawyer, buy the liability coverage.Laurie Said:What happened to FDIC that kids called Feds Dig In Cash? Was the money lost, strayed or stolen outright?We Answered:The money was not stolen, lost or strayed...
Rodney Said:Good insurance policy for rented camera equipment?We Answered:This is a standard video production lighting rental package.
You do realize, though, that this insurance isn't CHEAP. And it takes a little while to get into place. AND, it's probably going to cost darned close to the same amount for an annual policy, as a "one shot" rental.
How much it costs, is going to depend on where and how the equipment is being used and rented (on a helicopter? on a set? chasing tornados?) but pricing usually starts around $2500 for a very basic coverage (no...
Earl Said:??United Airlines Mental Health Insurance Policy?We Answered:That's interesting....but I highly doubt that it's true. Companies offer therapy and counseling services through third party Employee Assistance Programs specifically for that reason. That is private information and of no right to the employer to be in the middle of. However, I am not sure if there are different stipulations for certain professions based on having accountablility for others safety, i.e. flying a plane! So, although 99% of the time that information is private, there may be a slight chance that her EAP would have to provide her...
Elmer Said:Commercial Insurance for Steel Erection Companies?We Answered:Well, there aren't a lot. Have you tried the big agencies?? Marsh, USI, etc? Or you can find a local agent that represents Travelers or Zurich - both of them have dedicated construction departments. Have five years currently valued loss runs for all lines available. If your loss ratio is over 75%, you're going to be really hard to place, and Travelers & Zurich will likely shoot you down.
Marsh has a $75,000 minimum premium, USI $50,000, Travelers & Zurich $100,000 excluding comp. But if you're that...
Doris Said:Is this farmers job legit?We Answered:You do NOT want to become an agent at Farmers Insurance! You can actually LOSE money working for them! People have left that company owing THOUSANDS of dollars! See the links below for details! I saved you big time here!!...
Milton Said:what insurance commercial is when the guy is in the car with his guitar and sings???We Answered:It's for FreeCreditReport.com
http://www.youtube.com/watch?v=wzPkhOofX…
There are two other ones that you might also find humorous by the same company:
http://www.youtube.com/watch?v=FspHU8hOx…
http://www.youtube.com/watch?v=YWnUmpQhi…
I think the main guy is pretty cute. :)Roberta Said:Amusing commercials aside, is Geico a good auto insurance company?We Answered:Oh ok... i found this for you...
better check on it, im pretty sure you'll discover something useful...
http://www.myautoinsurancetips.com/...
Victor Said:What is the song in the new Geico commercial that has the money stack with eyes?We Answered:The song is a remix of "Somebody's Watching Me", by Mysto and Pizzi. It is available for download at geico's website.Cindy Said:How is Geico Auto Insurance?We Answered:I've had great experience with them all the way around, and I've been with them for over 6 years. Best customer service around, I'd definitely recommend them! (I only had one claim and it was handled timely and very satisfactory)...
Tanya Said:Anyone Tired of Those Continual Geico Insurance Ads?We Answered:If auto insurance is advertised on TV, STAY AWAY. Consider who is paying for all that expensive TV time over and over.....you are, if you subscribe. Geico, Progressive, Allstate, e-surance, the General...who have I forgot?
By the way, I use USAA. Bet you never heard of them or seen them on TV. Look them up and see if they will issue you a policy.....it use to be you had to be a military officer or a dependent....
Jacqueline Said:What is your current job, and what is the greatest joy/sense of accomplishment you feel from your job?We Answered:I dont work, i get payed for being fatty of the year,Dan Said:As much as i hate Geico commercials i may go with them,here's my question for men and women that have auto?We Answered:I'd grab that quote with both hands.
If you do only use the car for a few summer months they should be able to give a term cover for only the months on the road and a lower rate (basically theft and fire damage) for when it's stored -...
Ernest Said:Is that Kelly Preston on that Progressive commercial?We Answered:I don't think it's Kelly Preston, I think it's Leanna Creel, the girl who played Tori on Saved By The BellBradley Said:I can't get insurance, what do I do?We Answered:The problem with a business like that is you need TWO TYPES of insurance: you need auto liability, and you still need GENERAL liability to cover the "other" stuff.
What you need is commercial truck insurance, short-haul, and you will need to provide a LOT of information. For example, where you park the trucks when they're not in use, is it fenced...
Jim Said:Some questions that make you wonder...?We Answered:1. Because blue is a clean color.
2. They are dangerous.
3. To make notes.
4. because there is no air to dry it out.
5. it sticks to your lips.
6. I've never heard people say that
7. That's why the parents check the candy. -duh
8. Is Harry Potter real? Nooo.
9. For sure.
10. Convenience
11. Sure they do.
12. It's a trend, It makes the junk pop out.
13. Of course
14. He's gentle with the bees.
15. No one has ever complained about porous crackers.
16. Donkey Kong just sounds cool ok?
17. Your eyes dry out -gross
18....
Robin Said:Can I write off standard miles and commercial auto insurance as a 1099. My employer made me get commercial ins?We Answered:You are not allowed to deduct both standard mileage and insurance for the same vehicle. If you deduct any expense, except parking and tolls, for a vehicle, then you are not allowed to deduct the standard mileage rate for that vehicle. If you deduct the standard mileage rate for a vehicle, then you are not allowed to deduct any other expense, except parking and tolls, for that vehicle.
If you deduct actual expenses for the vehicle (gas, oil,...
Daniel Said:What test should take first to get my CPCU designation?We Answered:I"m working on mine. Unfortunately, I started before they made it 8 courses, so I've gone down both paths, and have three left to do. Sigh.
Anyway. I'd STRONGLY recommend you start with 552, then 551, then 553. Those first two will be the ones to help you most, with your job performance.Claire Said:auto accident claim settlement?We Answered:Keep "bugging" them. A commercial policy does not take any more time to process than a regular policy. The company that owns the bobcat is most likely...
Tom Said:Please help with Propaganda technique?We Answered:1. B
2. C
3. E
4. D
5. F
6. A
7. B
8. F
9. B
10. F
11. A
12. H
13. C
14. D
15. HMarion Said:What western companies based in Russia are the most regular TV commercial advertisers (list of the companies)?We Answered:What are you talking aboutAlbert Said:What type of automobile insurance is required to transport developmentally disabled clients in my own vehicle?We Answered:And your insurance was correct. If you take anyone anywhere in your car and are paid for doing it, you need commercial insurance at the very least, and perhaps even a commercial tag on your car.
Thousands of employees do,...
Byron Said:What career path should I INVEST myself into?We Answered:well i do believe tomorrow you should hit the bricks and go to every construction site and talk to the foreman and see if you can get on as labourer -- the money would be ok and put food on the table and the hard work would get you mind and body into shape to face the real world!!!Paula Said:Career change: can you help?We Answered:Congratulations on obtaining your G.E.D. and the high scores! That's a great step in the right direction. I also commend you for doing your homework and...
Lydia Said:Who is the name of the girl in the Progressive Insurance commercials named "Flo"?We Answered:
Her name is Stephanie Courtney. her commercial name is FLO
Other Work:
Mad Men (Marge, a secretary)
Blades of Glory(Reporter)
The Brothers Solomon (Sara)
The Heartbreak Kid (Gayla)
For Your Consideration (Boom Operator)
Faking the Video (Stephanie)
Progressive InsuranceBrandon Said:Best Child Insurance Plan for my kid?We Answered:creativity is now gaining a lot of importance in the world, to secure your child's education, check out Max New York Life products, i can you give you the details of the child plan,just mail me, your age, and whats your comfort level of paying per month,...
Leonard Said:Insurance commercial song?We Answered:By the way: You can delete this post once you have figured out the answer. Just thought you might wanna know! Glad u found the song!Herbert Said:What would be a good name for a handsome guy in a movie, novel, commercial, etc?We Answered:Luca.
Tanner.
Jamie.
Chandler.
Tate.
Fabian.
Grady.
Cameron.
Christo.
=)Anna Said:My mom is 61 yrs old does not have insurance and just found out she needs a hip replacement. Need advice.?We Answered:If she cannot work, she should consider applying for disability. Those on SS disability are eligible for medicare even though they aren't 65 yrs old. Also have your mom...
Beverly Said:Am I responsible for damages that my "guest" caused after I kicked him out and he left the building?We Answered:Yes, you are responsible for your guest as long as they are on the property. It does not matter that they were outside teh building, they were inside the property line....
Dwayne Said:Would YOU foreclose in this situation?We Answered:It may be another year or two before the commercial real estate situation improves and credit loosens for refinancing options. If things are tight already it doesn't seem like you have much of a choice.Carrie Said:what are these Economic questions?We Answered:that is just too many questions. you will have to learn to do the work yourself. i don't mind helping someone when they are stumped, but that looks like a whole page of homework......
Cindy Said:leased commercial building, can I evict for no insurance?We Answered:Yes since they are in violation of the lease. Shut them outKeith Said:I was wondering if I can open a laboratory draw site at my brand new commercial building?We Answered:My gut feeling would be , no, you could not do this without medical backup in case something went wrong (you also need a medical license to buy needles & syringes). You also need a bio-hazardous waste permit (which the building may not allow) as well as accounts with the labs and a facility to allow pickup.Megan Said:where can...
Denise Said:Yet another question about 9/11?We Answered:Your thinking this way because you have all the undeniable hard facts and everyone else has media fluff. The media is owned by them and they lead the masses. If they really wanted to know the truth, they could get off of their couch and start asking questions. We could find out a lot about life this way...start doing a little research! 9/11 was an inside job, I have researched it and the facts are solid. Yes America, your government is out to get you....http://www.youtube.com/watch?v=It125TtTK…Nancy Said:100% equity in home... need loan advice?We Answered:Unless you...
Crystal Said:Accident with a Commercial Vehicle?We Answered:your personal insurance has nothing to do with it. the only way your insurance will go up is if you received a ticket and are convicted for the ticket.
the truck owners insurance takes the hit on the first law suit. after that if they don't have enough insurance, then you can be sued personally. i wouldn't worry too much about it.Joel Said:special insurance, for one trip.?We Answered:car-insurance.66ghz.com - try this one. I personally have their car insurance, cause it is the cheapest in AK.
As I know it provides such a service.Juan Said:california drivers did...
Ralph Said:Is this why the insurance companies are so fired up for "Obama care"?We Answered:Big business is in bed with the federal government. They work together. Washington holds all the keys, but they will sell them off to the highest bidder, and they will break the legs of your corporate rivals.Norma Said:Opening a Concierge Service, what car insurance do I need?We Answered:autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service....
Alma Said:Did anyone see Barack Obama's 30 minute presentation on television Wednesday night? ?We Answered:I thought it was hilarious, personally. He didn't give many more details than what we already knew.
He wants to cut spending, but then he blows 125 million for 30 minutes of TV time?Cory Said:Did Obama wow you last night? ?We Answered:The truth is not of interest to his people.
that's the only reason he's as far as he is now....
Bryan Said:We have 3 cars with Allstate insurance.We have business in Commercial real state?We Answered:Sounds like you need a new agent NOW.Clarence Said:Recommendations for Selling a Book of Commercial Business Insurance in Illinois?We Answered:In Ohio it is typically 2 times commission. Probably the same in Illinois. As far as selling approach the independent agencies in your area. They may want to role the book into their own companies, but I guess that won't matter to you once the sale is made.Carla Said:how much is insurance for my commercial cleaning business?We Answered:The answer depends on your annual payroll....
Dan Said:is it possible to start a LLC with 2 members and 7 limited liability investors ?We Answered:The strength and weakness of an LLC is its flexibility. You can do almost anything with it, in terms of structuring corporate arrangements, but you need to have a well written operating agreement to do so because, unlike corporations, LLCs do not have a well developed set of default rules covering governance.
1.Is it possible to have different types of members (i.e., your family versus the outsiders)? Yes. You need to have the operating agreement specify that certain members receive...
Randall Said:Whats the car insurance company commercial where the guy asks "was it a ficus"?We Answered:Nationwide.Wallace Said:How Can Every Car Insurance Company Save Me Money By Switching From Every Other Company?We Answered:To be fair, in line with answer 2 *meanwhile Answer 1 is probably just one of MANY spammings you will receive to this question* if Hell existed as a Place of Punishment for Sins, 99.9%? of Sales people and Advertisers would be there, but then, so would Granny Var ... Ruling & Waiting for Ish to Join her
In High School there was a course on separating FACT from unprovable...
Cheryl Said:Do ads and commercials actually work?We Answered:If you have no choice to listen such as radio and tv, then definitely! Ad agencies are paid a ton of money because it WORKS. Brand recognition, anchored with a catchy slogan, mascot, etc. is GUARANTEED to get people to use your product. If an advertisement was frequent and memorable enough, even frozen liverpops (lickalicka 'licious liverpop!)* would be a raging success!
*please don't steal my idea. I plan to trademark this.Jesse Said:How many people knew Don LaFontaine, passed away?We Answered:every one knew him and definetly every one herd him on the...
Gregory Said:car insurance question?We Answered:A quote is an estimate of what insurance will cost you. Each quote is individualized due to differences in age, car value, driving record, etc. To give an accurate quote requires the vehicles VIN and all violations/accidents for the last 5 years.Minnie Said:about my leased car insurance?We Answered:1. Your lease doesn't require it - but your state MIGHT. So, it depends on what state you live in.
2. Most leases want a $500 deductible. So you'll have to ask your leasing company. Keep in mind, the deductible is the amount...
Jessie Said:Does the girl on the Progressive Car Insurance commercial?We Answered:I can not stand that woman, yes she does get on my nerves. she is very annoying. also the gecko commercials are another one I can't standIan Said:What is the car insurance commercial where an asian guy is singing banging on the wheel? And whats the song?We Answered:I think the guy is singing (how long has this been going on) i think its Journey?Danny Said:which car insurance commercial do you think airs too often?We Answered:All State commercials air all the time!
...All State, are you in good hands?...
:-PCarolyn Said:Anybody know the...
Carol Said:which movers and packers serve all india service?We Answered:One of the best and having all india presence is agrawal Packars & Movers...
Jackie Said:Dont know where to start to open landscape company?We Answered:Use this basic checklist to make sure all the important steps are taken before you launch your new venture. This business checklist will make sure that you cross all your t's and dot all your i's before your business launch.
Steps to Starting a Business -
http://www.developer-resource.com/starti…
Other sites you might find helpful are:
SBA - http://www.sba.gov/
SCORE - http://www.score.org
Small Business Resource - http://www.small-business-software.net
Business Link - http://www.businesslink.gov.uk/bdotg/act…
Goodluck!Randy Said:My son was injred at his preschool and they were cited by the state, they will not disclose insurance info.?We Answered:Here's the best thing to do:...
Stacey Said:How does a recession effect the insurance industry?We Answered:Probably will not impact the P&C business much. The business cycle typically has very little correlation to the insurance cycle. The fortunes of insurance companies tend to be influenced by how much capacity (capital) is in the insurance business. When there's too much (like right now) competition gets intense, prices get driven down and results begin to falter. When enough insurance compamies get in enough trouble, some cut back, some go out of business and the insurance climate (at least from the insurance company point of view) improves. That happened on...
Misty Said:what kind of insurance would i need to start a cleaning service....residential and commercial?We Answered:You are going to need a Commercial General liability policy to cover your operations, perhaps a fidelity bond (to assure that you don't STEAL from the business or residence) and Workers Compensation if you have employees.
Depending on your State, you may not be REQUIRED to carry Work Comp - but, it's still a good idea.
Find yourself a local independent agent that specializes in small businesses and he should be able to assist you!
Good luck and I hope this helps!...
Anita Said:Should condominium master policy include Sponsor's corporation on it?We Answered:Yes, it's legal.
I have no idea what you mean by "sponsor's corporation". Condo associations typically don't have "sponsors".
It's pretty common, though, to list the building management company on there.Mae Said:Discrimination & Condo Board Assoc.?We Answered:I am not sure what you are seeing as discrimination. You are too young to qualify for age discrimination coverage.....and even if you were not I do not think your age is relevent.
The HOA has the right to disallow business, especially if the business uses any...
Carole Said:where and how to search for individuals/corporations wanting to invest in start-up businesses?We Answered:The small business Administration has funding available to help with startup costs. Most community colleges have a SBA division on campus. The staff will help you with the funding resources and help with all the paper work you need to do, from business plan to grant or loan application.
For more info, check the national website.Dianne Said:How do I get my boss to pony up for my health insurance?We Answered:Your employer is under no legal obligation to provide health insurance, or assist with your payments...
Phillip Said:Have you seen those Anti-Health Insurance Reform T.V. Commercials, Will The Right Believe ANYTHING ?!?We Answered:I also saw a TV evangelist in a roman collar on ION network Sunday morning saying about the same thing. The lies aren't even subtle, and they are scaring people. I saw the ad you were talking about and it got me so mad, I can see not liking the bill and wanting to make it better, but they just want it gone. Leaving us in the same hole we are in now.
Sin, fewer corporations are offering health care...
Andre Said:HELP! Can some one explain to me Contractor's Insurance?We Answered:Most commerical insurance is based on payroll. When it is, owners are normally rated at $17,800 per yer. If the rate (and I'm making this us so don't count on it) is $50 per thousand of payroll, the liability cost would be $890. ($50 x 17.8)
Employees are rated at actual payroll. So if he had 1 employee who made $25,000 per year, the cost to add that employee would be $50 x 25 or $1,250.
As far as how much insurance is needed--if your state has requirements...
Charlotte Said:What's a good hot spot in the country where a lot of people need to buy contractors insurance?We Answered:Texas is a pretty good market right now. Heck, any place with a booming economy is pretty good....
Calvin Said:Is it fair to judge people by their credit?We Answered:It is almost always a true indicator BUT there could be a few slip by. Such as medical bills or deaths in the family--but also those people are not out shopping much. But basically, yes. Just my opinion.Bernice Said:Which company's commercial is it?We Answered:It's an insurance co. but i don't remember which one.But it is a great commercial.Just saw it again!! Liberty Mutual!!Lori Said:All but one of the following are associated with credit enhancements for asset-backed securities:?We Answered:Financial guarantees from bond insurance companiesDennis Said:non-credit based...
Carla Said:What type of lawyers sue the police for a living?We Answered:It would be civil rights specialist. When the police violate a person's civil rights they are allowed to walk and sue. Generally there is not trial or anything and it is settled beforehand to avoid bad publicity for the police force.Gabriel Said:HELP! Can you guys give me career ideas based on these parameters?We Answered:you should check out a degree in operations management/ info systems. I know its a little more time as far as training goes but the jobs are good for this right now. a typical job...
Georgia Said:Is my driving record good enough to be a commercial driver?We Answered:yes i don`t think an employer would have a problem with that.Megan Said:would having a commercial drivers license help insurance costs?We Answered:No. The insurance company doesn't even ask what type of license you have. Your age, sex, marital status, credit score, vehicle type, where you live, accident and ticket history, and expected annual mileage are basically all that matters...
Leonard Said:does anyone know the song in the start farm insurance commercial about the teenaged driving contract?We Answered:The song is by Jason Wade, the lead vocalist of Lifehouse and it's called "From Where You Are"....
Sharon Said:I clean carpets & do water restoration with my truck mounted equipment and wanna start with cars. Price Ideas?We Answered:I would check out what your competitors are charging. Look up an auto detail company like a car wash etc in your area. You will need to be competitive. Good luck with your new venture!Byron Said:What is your kid's favorite/favourite piece of playground equipment?We Answered:my 3 year old loves all the stationary cars, animals, dinosaurs, things like that. he loves to climb on them and jump off!!
i used to love the monkey bars and the swings....but...
Joanne Said:I am considering purchasing an established business. Can you give me some advice?We Answered:Go to score.org and in the upper left hand corner, enter your zip code. On the next screen, you will find the SCORE chapter nearest you. Call them and arrange for a free meeting with a SCORE counselor.
SCORE "Counselors to America's Small Business" is a nonprofit association dedicated to educating entrepreneurs and the formation, growth and success of small business nationwide. SCORE is a resource partner with the U.S. Small Business Administration (SBA).
SCORE was founded in 1964 and is headquartered in Herndon, VA and Washington, DC...
Becky Said:Does anybody remember these commercials or PSAs?We Answered:there were some pretty good anti-drug PSAs back in the day. i remember in the late 90s there was one where a boy was smoking cigaretts, and he went to wash his face and when he looked up into the mirror the skin around his lips and mouth began to fall off. it was disgusting, and possibly my favorite. you can actually look up PSAs and there are probably some on YouTubeAlfred Said:A wrongful lien was placed on my name for a lease I'm no longer on?We Answered:My answer...
Rick Said:Legal papers now, ceremony later?We Answered:I don't judge if other people do this. Health insurance is a serious matter, and all it takes is one minor illness to put a person deeply, deeply into debt from which you can't possibly recover.
If you choose to file the paperwork before your wedding, that's your private decision. But I would advise you do two things: 1) Make sure your chosen officiant is okay with this, because on the actual day he/she will not technically be performing a wedding ceremony, and won't be signing the marriage license. 2) That you keep this to...
Kristin Said:Commercial where boy tries to back out of driveway but ends up driving into the garage door? I think its...?We Answered:here you go: it is t-mobile
http://youtube.com/watch?v=i96W91_lnmUEvelyn Said:Does it concern you that Toyota is promoting insurance fraud in it's Toyotathon commercials where people?We Answered:This is just one of hundreds of commercials that bother me--they promote insurance fraud, but even more bothersome is the horrendous manners Hardees promotes--everybody licking their fingers and smacking their lips, and licking the paper wrappers! What a lovely society we are creating for ourselves. (Note the sarcasm.)Maria Said:Does anyone have the Mexican World Cup...
Wesley Said:Does General insurance TV commercials gets you applying?We Answered:Personally I am sick of being advertised to. So I turn the sound off during the ad breaks when I watch TV. It makes me way less stressed out, and lots of ads are funnier that way!
So no, I don't buy their insurance!Miguel Said:Held Cover letter in general insurance?We Answered:It is also referred to as a Temporary Cover Note or Coverage Binder...in which the insured is accepting the commercial risk to be insured, and its doing so temporarily while details and policy contracts finally get issued and finalized.
The risk...
Lucille Said:What would $300,000 worth of insurance cost for a handful of news vending machines in NYC?We Answered:Dude, I answered this for you last night in detail, the last time you asked it.
You get the quote, by calling a local, independent insurance agent. The direct writers won't touch vending machines.
And, as per the prior answer, you are unclear if the $300K is supposed to be a liability limit, or property limit.
Also, adding all those additional insureds will cost extra.
It's going to depend on the number of machines, and the locations. ...
Tyrone Said:Generally, is there any information on how much a Commercial General Liability for a Small Business Costs?We Answered:Will vary greatly by the type of business. For a million of general liability in Pennsylvania on a carpenter it would be about $550. Just as an example. Contact a local agent to get a firm quote - http://www.insuremyhouse.comEthel Said:Why do I need a Commercial General Liability policy?We Answered:OK, regerugged has part of the answer for you and I think Jim is a little confused about what general Liability is for. General Liability does NOT cover punitive damages...
Clara Said:what is the name of the health insurance company on tv?We Answered:It sounds like you're talking about the new Progressive commercials. But that's for auto insurance, so I'm not sure....
Helen Said:what's with the really weird anthem health insurance commercial where there's a plastic shoe in the kid's ear?We Answered:I don't know, but at least the shoe isn't lodged somewhere else.Teresa Said:Why do health insurance providers cover penis pumps but not medically necessary procedures?We Answered:healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.Ryan Said:i seen a health insurance commercial they had a number i cant remember it?We Answered:I’m not sure which commercial you might have seen. It’s possible you may have seen my company’s commercial but we don’t mention any specific...
Melvin Said:I need project ideas for a display board about P&C insurance that will be used at a local festival.?We Answered:How about amazing claims pictures??
http://tinyurl.com/qn9tg
That would get 'em to stop & look!! You can also ask your carriers to give you some photos . . .Eric Said:I am looking for an expert in Insurance Car...Home...Commercial.?We Answered:Insurance - Commercial
PO Box 2002
Thousand Oaks, CA 91358
Phone: (805) 493-5401
Contact: John Bessey CPCU
Website: Primary & Excess Insurance Services, Inc.Lawrence Said:Geico insurance? Is it worthwhile, or just a cheesy commercial?We Answered:Now I think my friend had Geico or Safe auto, I can't...
Johnny Said:How can I find which company my house is insured under?We Answered:Is your home still mortgaged? If so, your mortgage company would know since it is mandatory to have the home insured if you want to have a mortgage with them.Rita Said:I need the link to the commercial about flood insurance where the family is acting like nothing is happening?We Answered:It is a commercial from FEMA for flood insurance, but I don't see it online. Sorry.Darryl Said:Has Lisa Edelstein appeared on a TV commercial for Harvard Pilgrim Insurance?We Answered:I think the actress in the commercials you're thinking...
Jonathan Said:Help me Professional Insurance Agents With Experience as independent insurance Agencies?We Answered:We're moving into a hard insurance market for P/C. In the long-run, you will be in a better position as an independent agent -- it might require tightening your belt for a year or two, but that's the way I would play it.Gail Said:What is the difference between Risk Participation agreement and an Insurance Contract?We Answered:There is a WORLD of difference. An insurance contract is, well, an insurance policy! The company issuing the policy, theoretically, has money behind them to pay claims, and is subject to...
Karl Said:I am inheriting an insurance agency one day and need advice on what to do!?We Answered:I'd take the time to learn about your commercial book and commercial insurance. There is a lot to learn but that is where you are going to make a ton of money. There are a lot of people that would love to be in your shoes. Take the time to learn. Hell you got your Dad right there as a good resource.
The best way to learn is to work for a carrier. At least that is what worked for me. But that shouldn't discourage...
Andre Said:Why is my insurance agent telling us their health care premiums are going up by 15% per year from now on?We Answered:As opposed to all the previous years were it stayed the same, or went down?
Insurance rates have been going up for a long time. All the seat shiners have to get their cut.
"My insurance agent is the one griping about it. He is a Democrat, but he's starting to rethink his position on the health care thing because his own company is proving his assumptions wrong."
You agent is one of the seat shiners and he is trying to...
Jeffery Said:Estimated Insurance Costs for Pest Control Business?We Answered:It's going to run you around $1500 a year, with one guy, less than $50,000 in gross sales, and an herbicide/pesticide license.Walter Said:Homeowner's Insurance question?We Answered:Underwriting for homeowners insurance normally does not include the type of flooring. Normally underwriting requirements look at meeting minimum electric standards, i.e. 100 amp service & circuit breakers, roof less than 20 years old, central heating system less than 20 years old, plumbing system that is well maintained and less than 20 years old, etc. Building materials and styles of construction evolve so quickly...
Veronica Said:To what extent can the recession be blamed on the Gramm-Leach-Bliley Act?We Answered:this recession is the fault of the federal reserve and democrats.Leroy Said:Spiritually speaking is it a sin to think that redheaded Progressive Insurance Girl is kinda hot? :P?We Answered:Mat 5:28 But I say unto you, That whosoever looketh on a woman to lust after her hath committed adultery with her already in his heart.
But somehow I don't think you care
;-)Mitchell Said:Got Health Insurance w.Aetna?We Answered:I have Kaiser and it hasn;t helped me. I am still fat, out of shape and have heart problems. I can't...
Connie Said:Economics Help!!!!!!!!!! Please(:?We Answered:If the answer is not on Google, then you should try these sites:
http://internationalmutualfunds.net
http://fundsonline.org
http://investmutualfunds.org
http://mutualfundadvisor.org...
Lucy Said:Why do illegal alien supporters claim illegals don't receive free medical care?We Answered:"Mexican ambulance drivers are driving their hospital patients who can't pay for medical care in Mexico, to facilities in the United States. They know that the federal Emergency Medical Act mandates that U.S. hospitals with emergency-room services must treat anyone who requires care, including illegal aliens.
Medical service for Americans in affected communities is being severely damaged as hospitals absorb more than $200 million in unreimbursed costs. Some emergency rooms have shut down because they cannot afford to stay open. Local tax-paying Americans are either denied medical...
Antonio Said:does anyone know the company with the commercial where they lay out the orange fabric?We Answered:AT&T....
Anthony Said:Commercial Insurance?We Answered:Wow, that's a huge business.
For workers compensation, it's going to be about 20% of payroll, which you didn't mention. General liability is probably going to run you, oh, maybe $50,000 to $75,000. Figure $3,000 per truck, assuming clean driving records and no drivers under 25. Your bonds will be expensive, though (as government work requires bid, payment & performance bonds). Probably six figures, as you're bids are probably going to be well into the millions.
Health insurance, figure $450 per employee, $1500 per employee plus family, per month.
In the...
Wilma Said:Does a commercial loan broker need errors and omissions insurance?We Answered:Yes. You'll need that to get your license from the banking commissioner. You'll also need to carry general liability and mortgage impairment coverage.Johnnie Said:Is anybody a member of the Professional Insurance Agents (PIA)?We Answered:I thought they merged with Independent Agents of America - www.iiaa.org.
Membership fees vary by state. You probably need to join your state association, and see if there are any local organizations as well.
One major benefit, is access to heavily discounted continuing ed courses. Another, is the networking - you can find...
Lloyd Said:Reprimanding for talking too much?We Answered:Say to her:
"I have noticed, and it has been brought to my attention by others, that you have been disrupting the work flow. There have been complaints that you interject comments into conversations of which you are not a party; and you disturb others with interruptions when they are trying to concentrate on their work. I don't believe the behavior is malicious or intentional; but the effect is profound, nonetheless. I must ask you to curb your interruptions of your fellow employees and to remain on the sidelines of conversations that do not involve...
Enrique Said:starting a financial brokers office with many different resources to offer the customer?We Answered:Charles Schwab offers all that. You want to complete with them ?
Good LuckOscar Said:How to become better at sales?We Answered:You might consider buying Internet leads. They are especially good because they are generated by consumers proactively seeking solutions only minutes before you receive the leads. An internet lead is pre-qualified in the sense that the consumer has already performed a search with a search engine, looking for a solution to a problem. They have then taken the time to fill out a form, requesting a...
Clayton Said:I would like to know about the insurance business in VT & up state NY. How profitable it is.?We Answered:Whole life insurance pays the most commission - sometimes as much as 110% of the first year's premium. It doesn't matter where you locate the office, because it's all about sales - cold calls, mass mailings, radio advertisements, etc. It's HARD WORK.
NY is a tough state for insurance companies to be in; I haven't heard about problems in VT, though.June Said:What do you need to start a commercial cleaning business in san antonio?We...
Rose Said:Where can i search for phone numbers & addresses of truckers in CA.?We Answered:You might want to check with Small Business Associations. Many times private owners will join these groups to get their health insurance. Also check out http://www.insuremywork.com as they already network with SBAs.Alice Said:can we carry car insurance in ca from two different companies?We Answered:That won't be necessary. The commercial insurance will cover the vehicle while being used as a business vehicle and also when being used to just commute.Tommy Said:I am a traveling nurse who is in Redwood City, CA. I'm looking to...
Mary Said:Is the American Justice system really fair..w/all the laws, are you breaking any of them. This is just CA?We Answered:Too much bureaucracy adds up to no freedom don't you think.
Don't worry the system is in for a big crash and it won't last forever. Chaos will prevail one day so I would not worry about it just know where your largest rocks are just in case.Heather Said:CALIFORNIA: Bodily injury insurance claim, how does this whole thing work???We Answered:I work in a Chiropractic clinic, and it's my job to handle Personal Injury Claims [Auto Accidents]. I work in Kansas City,...
Anne Said:anyone know the music to this commercial?We Answered:Look here:
http://www.splendad.com/
There's also adtunesCheryl Said:are private aircraft required to have insurance in Canada?We Answered:Canada has some very specific insurance requirements for ALL aircraft
For the details see CAR 606.02
Here is the link http://www.tc.gc.ca/civilaviation/Regser…
From that:
"606.02 (1) This Section applies to every owner of an aircraft that is registered in Canada, or registered pursuant to the laws of a foreign state and operated in Canada, who is not required to subscribe for liability insurance in respect of the aircraft pursuant to Section 7 of the Air Transportation Regulations.
(2) Subject to subsection (3), none...
Melanie Said:How much is commercial car insurance?We Answered:It would depend on what type of vehicles you had but I'm assuming with a courier service it would probably be economy vans.
Also it would depend on the driving records of your 6 drivers, but with those limits for a yearly rate I think somewhere in the order of $1500 - $2000 would seem realistic.
Edit...
As I reread your question I noticed that you included a seperate qualification of General Liability coverage. This would normally be a seperate policy from your auto insurance and would cover things such as your courier drops a...
Zachary Said:Is becoming a Farmer's Insurance Agent a good career choice?We Answered:If you are as good or better as you must have been selling real estate, then yes, go for it. But as mbrcatz says, the commissions will not come to you. You must find them continuously, get constant referrals, and sell, sell, sell. And in this market where people don't have a job, good luck.Irene Said:What could be some challenges of starting a career as an Insurance Agent in my early 40's? If any?We Answered:This was similar to my scenario, except that I had no sales experience. Your...
Vera Said:I feel Discriminated against by the new Motor Carrier Insurance Companies. What can I do?We Answered:When you drive a bus you have to have a limousine type commercial license.
The position your trying for may require a different rated CDL license.
There is a different CDL for different applications.....Like Hazardous material. Class A, Class B,Class C, Air brakes,air over hydraulic, Tractor trailer and so on.
They've added more types of licenses and yours may not meet the requirement for driving one of their vehicles anymore. You just need to find out what kind of CDL they require and go...
Albert Said:How do you cast to be in a Progressive Commercial?We Answered:Let them know you are an adorable little gecko and give them your resume showing your acting credentials for another horrible insurance company...Ruby Said:Medical Billing?We Answered:no, that's not necessarily true
....Diane Said:How can I collect damages from a fire that occurred in a commercial building in which my store was a tenant?We Answered:Perhaps you were expected to provide your own fire insurance.Virginia Said:What commercial insurance carriers will insure a movie cinema?We Answered:the lagrest insurance company in the world would love to have your business. AIG....
Be warned however, if you have...
Norman Said:How can Geico save you 15% or less on car insurance if their spending all thier money on stupid commercials?We Answered:They save you 15 percent over the expensive companies but you have to take your car to their service places which means you may not get factory parts when they are replaced after accidents....
Jordan Said:Do you think anything will come of the investigation into the Rezco/Obama land deal?We Answered:well judging by everything else being ignored or swept under carpet i'd have to say(much to my chagrin) no(must be the kool aid) i have to tell you this when i typed in kool aid i got a spell check icon when i clicked it it referred me to" kook "aid how appropriate(LOL)!!!!!!!Evelyn Said:Name all the stars you never see except on the Jerry Lewis labor day telethon(starts tomorrow night)?We Answered:Jerry LewisJudith Said:How much does it cost lasik without any insurance?We Answered:$4000 is about right...
Pauline Said:Title insurance claim?We Answered:The building was purchased to be used as a commercial building. A commercial title policy guarantees that it can be used for the intended purpose under existing law. Just as a residential policy guarantees that there are no laws against occupying the premises for the residential purposes. The zoning should have been disclosed in the title report and, if it was not, you have a title claim. Unfortunately, who reads the title report. If you do not have a title claim, I would pursue a claim against the title company as...
Tracey Said:Can anyone advise on insurance claims?We Answered:It could take a couple of weeks before the settle the claim and a week to pay it. If it starts to take too long, consider hiring a "public claims adjuster" or "public adjuster" to assist in negotiating for you....
Becky Said:How do I get into commerical insurance?We Answered:You probably don't need to take classes - talking to a commercial lines agent at your agency, or working closely with a commercial CSR, will give you all the education you need. You already have the LICENSE for it.
But if you really, really want classes, your local agents association is the best source. www.iiaa.org...
Marvin Said:Why can't they make a commercial of the Gieco insurance co. "cavemen" getting busted on "cops"?We Answered:I'm sure they can. That's a freakin awesome idea. Especially if the cops "Confenscate" a club.Erica Said:what is the difference between commercial insurance and cooporative insurance? is LIC a cooporative Ins. co.?We Answered:there is nothing defference between comercial & cooperative.com for an ex:- ICICI - industrial credit investment corporation of india.., LIC :- life insurence corporation...... but here defference is icici is private and LIC is govt. but once upon a time even though ICICI is to been established by govt only...... and...
Carole Said:What insurance commercial is with the two/three guys and they crash into the Bobby Bowden statue?We Answered:AllState Commercial
CI worked with Leo Burnett, an ad agency out of Chicago, and Florida State University to help secure releases for Coach Bowden's name and likeness, for a national AllState commercial.
The commercial opens with two football fans driving in a college town. The audience sees a glorious shot of Bobby Bowden's gleaming bronze statue in front of Doak Campbell Stadium, as audio of an angel sings, “AAAHHHHH!!” The driver inhales quickly and holds his breath. The passenger follows...
Kathleen Said:What is the difference between a commercial insurance company and a managed care company?We Answered:~~Commercial insurance is business insurance.
A managed care company is a division of health care insurance companies. Their purpose is to have a triage assignment for different levels of care for a person's health insurance. Most specialties providers, Psychiatrist, neurologist, etc. are assigned a case manager (through the managed care company and they okay authorizations for the person's benefits by keeping tabs on the medical records of these specialists patients.~~Zachary Said:What is a good name for a commercial insurance company newsletter?We Answered:Risky BusinessHugh Said:do you know...
Connie Said:can an insurance company drop a commercial driver once they are covered?We Answered:Yes. It generally depends on the driver's record. I've seen drivers dropped because they didn't meet the insurer's standards.Carlos Said:you work in a physician office and have just submitted several claims to a commercial insurance company your?We Answered:C is most correct...
B can also be correct in some circumstances... But not usually for group/commercial insurance. RBRVS is not as widely used now as it one was... The fee for service schedule may be based on RBRVS.
And... If you're taking a test that asks this...
Jackie Said:DUI & DWT(Driving while texting) gender awareness comparison?We Answered:Actually I read an article on that the other day, insurance rates are going up for Young female drivers as the accident rates have been increasing...directly b/c of talking on cell phones and texting.
Not sure a DWI really is comparable to "DWT" cause really if traffic starts to get bad you cant set a drunk mind down.
As to the Q....here in CA talking and holding(can use blue tooth) a cell phone has recently become illegal...and yes the advertisements had plenty of women in them.Darren Said:How Many T-V ,Billboard , News paper...
Lucy Said:Trainee recruitment consultanct interview concerns?We Answered:To be honest most of these jobs are just telesales like positions and they market them to graduates by making them sound more appealing than they are.
Don't worry about it too much, and maybe see if your talents can be better used elsewhere......
Vernon Said:how much do Commercial license and insurance cost?We Answered:The rate of insurance depends on many factors like type of vehicle, age, sex, driving habbits etc. The best way to check insurance rate is to take online quote. By online quote you will know the exact rate and also take quote from different companies and do comparison and decide the best for you. However donot forget to take all discounts. you can know more about this from this linkBrad Said:how much does commercial insurance cost?We Answered:What does a business do?
It can be anywhere from $100 (for nonowned & hired...
Veronica Said:What is the worst TV commercial on American Television in 2010?We Answered:What about the one with the foreign guy who kisses that miniature giraffe at the end. It is a cable or dish ad. It is very creepy.
I find that State Farm ( I think) commercial that shows the motorcycle accident very disturbing. The bike is skidding along the asphalt for a long time. I have to look away.Eileen Said:Have you ever almost fell for someone you saw on a commercial?We Answered:Do you believe in the supernatural? I dont but some people may say he is someone you may...
Rene Said:What insurance company would cover pizza delivery driver??We Answered:Progressive will give you a commercial policy allowing you to deliver pizzas. Expect the rates to be 2-3X what they are now.
Delivery drivers have TONS of claims - most carriers will exclude coverage for it on a personal policy, and commercial policies are MONGO expensive for delivery. You probably won't make enough to cover the extra expense....
Donna Said:What is 21st Century Auto Insurance's coverage for letting a friend borrow your car?We Answered:You have to pay for it. It's additional coverage.
You have to have coverage for every driver of the vehicle. That would include children. When a child reaches the legal age and obtains their license, the parent adds them to their policy and pays for it....
Michele Said:im looking for a commercial insurance for limousine in dallas tx?We Answered:They call it a commerical auto policy...in some states it is called a Garage Keeper's policy...~VRicky Said:Life & Health Insurance or Real Estate?We Answered:Since you are worried about pay real estate is not for you. There is no pay, commissions only, and there are expenses. You would expect to have negative income for at least a year.Marian Said:Life & Health Insurance or Real Estate?We Answered:Just like real estate, it's straight commission. The more hours you work, the more sales you make. ...
Lillian Said:Can you Eliminate Credit Card Debt by Novation?We Answered:They are not stupid. They will not accept a check that you send "with the stated condition that by accepting the check, it agrees to your new terms and conditions (your Novation Contract)." When the card company rejects the check by not cashing it, it has reject to your new Novation Contract, and it will charge you a late fee because of your failure to send a check without conditions. And they keep you in credit card debt in a simple, legal procedure.Norma Said:Health insurance: can gov force you...
Theodore Said:What do you liberals think of the unconstitutional Health Care Plan that the Obama Cabal is trying to pass?We Answered:There's no such thing as a Constitutional federal healthcare...Aaron Said:Defer Capital Gains on property sold on land contract? Need answer asap - please with references...?We Answered:A land contract gives beneficial ownership to the buyer. Seller financing does complicate a 1031 tax deferred exchange but does not make it impossible. The seller needs to come up with cash equal to the value of the note and buy the note from the exchange. At that point the Qualified Intermediary...
Timothy Said:i'm applying online to be a teller..but i dont know which to choose on this list because none say teller..We Answered:try retail banking and customer service.
Good luck .. I am a teller and love it!...
Betty Said:Where do I find a legit at home job for a legal assistant with 20 years experience and typing skills of 93 wpm?We Answered:You need to have a network to find a job like that......they are out there but you will never find one on this site.......sorry........
I have hundreds of friends and associates. None of the guys/girls have ever made any money on these on line ventures. If they would have they would be talking about it and I would be in on it…..SCAMVernon Said:How sick of lawyers are you?We Answered:One of the worst things to happen to this...
Jaime Said:Hi, is this a scam email I received?We Answered:Yes, it's a scam. I am NOT a finance/accounting major and received the same email. A large company will not recruit employees in this manner and would not use a gmail account. Mine was from piter.herrick@gmail.com. Also, a large company would not state that this position requires a HS diploma, but that a college degree is a plus. Most large companies expect a college degree so unless you are working an internship partnered with your school and are A) excelling in school and B) excelling in...
Andy Said:My Attorney is being a Jerk but my Lawsuit is so far from the begining what should i do ? ?We Answered:A normal law suit takes 2 or 3 years to complete. But from the sounds of it, I'm glad you're not my client.Sue Said:I have a Lawsuit that been going on for almost 3 years and i need some Cash now what should i do ?We Answered:You should find a way to earn money instead of expecting one day it'll just fall in your lap. Shame on you. Billy Said:CPCU vs. MBA?We Answered:Well, it's MUCH MUCH MUCH easier...
Rene Said:How much is commercial insurance for Brooklyn,NY?We Answered:best i could find, look here:
articles.directorym.com/General_Liabil…
https://business.netquote.com/Default.as…Herman Said:I want to buy commercial insurance for my business. Any tips?We Answered:You would need to give us more detail to give you give a good response. However, I can give you an example of a couple of types of businesses:
For a restaurant in a mall you will need a Commercial Package Policy to provide you coverage for your business personal property, loss of business income and for your liability. In addition to this if you serve alcoholic beverages you will need to make sure...
Cory Said:Is it ok that Muslims & Amish will be excused from ObamaCare mandate?We Answered:Your rational is accurate, despite the few libby taunts.
The longer this nightmare is read and reviewed the MORE of these little inconsistencies are surfacing.
If the Feds can exempt "one" religious group, they can easily exempt others. It would seem each individual religion would need to file a law suit and earn such exemption. Could the Catholics get one ?
Lliberals are about to get their "myopic" love for Obama shattered in the coming 2 months. There are so MANY contradictions and issue Congress and Obama LIED about...
Sam Said:do you like Flo from Progressive insurance commercial?We Answered:There's definitely a seriously creepy vibe there. I can't tell whether or not it's supposed to be on purpose. Why not just advertise in a way that doesn't creep people out? Granted, here we are talking about it... but in a good way?Richard Said:What is the music from that 'Travelers Insurance' commercial with the old man and the umbrella?We Answered:The music is composed by Robert Miller.
http://www.rmimusic.com/Erica Said:whats the song from farmers insurance commercial with the guys running?We Answered:I'm Shipping Up To Boston by Dropkick MurphysDarrell Said:What do you think of the...
Josephine Said:What is the music video "Remind me" about by the group Royksopp?We Answered:i know the song, but i never seen the video....Leon Said:Does anyone else hate those Progressive Insurance commercials?We Answered:I actually like them, and I like her! She's cute and funny, and those commercials don't bother me near as much as some others do (Geiko Caveman for instance).Todd Said:What are those futuristic shoes with curved blade things attached to the soles called? (In a commercial...?)?We Answered:Heya!
Yeah I've seen these too, some people in town had them... Cool - but expensive. They're actually called Powerizers.
:)Milton Said:Does anyone know the...
Sherri Said:WHAT DOES AN OBAMA SUPPORTER APTITUDE TEST LOOKS LIKE?We Answered:HAHAHAAHAHA, i love it! Reginald Said:Is this right, this is homework study guide I have for a test?We Answered:Are you in Reading 115 right now? I am and working on the same exact assignment. I was looking up some information about question number 8 and came across your paper....
Joseph Said:Who's that guy?We Answered:That would be Dennis Haysbert.He's from the TV show 24 as well.Maurice Said:With perfect credit and $3200/month, can I afford a $200-250k home in TX?We Answered:talk to a real estate agent and talk to your tax guy. they should be able to you a realistic figures.Yolanda Said:Do You Know Anyone In The Delivery/Courier Business?We Answered:You are looking at a very profitable business if you line yourself up with the right people and pick the niche of the business you will be most comfortable in. I have been in the Courier business for more than...
Rick Said:Why do Obama fans think that Barack is honest towards the American people?We Answered:A Pew poll – of 25,000 people in 24 countries – found that in all but two nations, people put more faith in Obama than in McCain to “do the right thing” when it comes to world affairs. One of the two exceptions: the United States.Jacob Said:How does Obama want to "change" Washington?We Answered:I have nothing against change. No one in their right minds thinks that things are the way they should be in Washington. But I partially blame the voters who elected the...
Ann Said:Please Rate My Resume:?We Answered:i will give you a 9.5Chad Said:What do you think about our taxpayer money spent on ....?We Answered:I get it. That's why we all need to sacrifice - so they won't have to....
Douglas Said:How do I find new commercial insurance customers in my insurance agency?We Answered:You pick a class where you think you have a competitive product. Go to the yellow pages, look up the addresses, and go visit each one. Sometimes 4-5 times. Ask for referrals from existing clients. Ask your marketing reps for prospects - most carriers WILL give you a list of prospects - mostly for classes they are targeting, from yellow pages or D&B reports.
D&B is another great way to find 'em, you can get financially solvent companies, by SIC code.Gloria Said:How do...
Arlene Said:Should the healthcare industry (private insurance) be allowed to pay for anti-reform commercials...?We Answered:Yes, I begrudgingly admit they have the right. They also seem to think they have the right to spread falsehoods also. That right, they don't have.
What ever happened to truth in advertising? They hide like little children behind phoney groups, set up for these adds.
If they truly believe in what they are saying, man up, admit who you are, and state your case for continuing record breaking profits.Roland Said:How do you get a group of individuals to increase their sales?We Answered:Have your sales team start listening...
Brent Said:How much is aircraft insurance?We Answered:10 million smooth on a falcon 10 with minimum hours (crew) figure around 35k a year.Lena Said:How can i get this insurance information?We Answered:Contact the insurance company/agent direct...it take about 5 minutes. Make sure you tell them what options want.Lonnie Said:Information about birth control inserts such as Mirena?We Answered:I had mine inserted about a month ago. So far, it has been GREAT! They say that it is better that you have already had a child before you get Mirena, which I have, because your cervix is more open, also, it is less likely to...
Arthur Said:Starting a catering business- insurance, kitchen and license question?We Answered:There are consultants who can help you get your business started. I know some in Southern Middle TN, but you might try google catering +consultant +Nashville and see what you get. You can also contact SCORE.
The health inspector can be your best friend or worst enemy. Become his/her friend. Ask for advice. Get the rules so you know exactly what will be expected of you.
You need to insure several things. One is liability if you end up poisoning your clients. One is if...
Bradley Said:Painters spilled paint on the roof of the house, replaced some shingles, now it looks like a patch job...?We Answered:Though you're not happy with the repair I doubt very much that you'd be entitled to getting the entire side of the roof re-done...
A good roofer/carpenter can replace the shingles that the painter mucked up and make it look like it was never a problem, provided the shingle color can be matched.
If color match isn't perfect, a color in close proximity to the original wouldn't be seen from the ground.
Once the repair is done properly, charge it back to the...
Margie Said:How can I find commercial landscaping jobs that are coming up for bid? (Tampa, FL)?We Answered:chamber of commerceJosephine Said:What are the pros and cons of working as a commercial underwriter? Do you like your job?We Answered:First of alll, do you already have a job, that you can afford to be picky about what you're doing? If not, take this one, and keep looking.
For commercial insurance underwriting, you WILL occasionally be out of the office, meeting agents, and very large commercial clients. You'll have to do the party circuit at holidays, and you might have to do...
Ross Said:Should I move to las vegas from huntington beach?We Answered:Cars aren't selling here in this economy. But I suppose they aren't selling anywhere. It's a good place to live and work. No state or city income tax and the housing prices have dropped drastically. Food prices are great. Electricity is very expensive here.
The people here pretty much stay to themselves. It's not that they are rude but you won't know your neighbors like in most places. People come home from work and go right into their house. All yards are walled in to separate properties. Most properties are...
Herbert Said:What is the best way to generate leads?We Answered:Have you considered making a Facebook Fan Page for yourself. Not only is it free, but millions of users log in to FB daily, increasing the chance for your business to gain exposure. You just have to make sure to constantly update your page with interesting, engaging content that gives FB users a reason to like your page and, hopefully, are curious enough to learn more about what your business has to offer. If you know HTML, you can add custom tabs to your FB page that will make it stand...
Gloria Said:Concerning commercial insurance for general liability, what does primary and non-contributory actually mean?We Answered:Ah, the old "additional insured on a primary and non-contributory basis" clause.
It's most easily illustrated with an example: Joe Construction subs out some work to Jack's Plumbing, requesting this wording. It means, if Joe Construction is sued, Jack's Plumbing's GL policy covers. They pay first (primary), and Joe Construction's policy doesn't have to kick in (non-contributory).
The ONLY way I ever get an underwriter to agree to that wording, is by adding more wording : "additional insured on a...
Nellie Said:I want to buy a short bus to drive with my friends. What kind of insurance and license do we need?We Answered:carinsurance.yoll.net - try this one. I have their car insurance and, as I know, they can provide such a service.Matthew Said:What do I need to have license & insurance to paint curbs in commercial parking lots?We Answered:You should consult your local ordinances concerning the licensisng of a business in your area and state. It would be to your benefit to be insured should you be sued if something should go wrong in your business, unless you have sufficient...
Lillian Said:Does appearance matter while trying to initiate sales , promote/market a good or service ?We Answered:2!!!Hugh Said:Does someone know the actors name who portrays the cowboy in Los Angeles for the Eastwood Insurance company?We Answered:Clint?Steve Said:How do I start my Lawn Mowing business?We Answered:SCORE is a national nonprofit organization, sponsored by the Small Business Administration of the US. The acronym stands for Service Corps Of Retired Executives.
Retired senior executives volunteer their time & expertise to assist aspiring entrepreneurs like yourself. They will advise on incorporation ( Sole Prop, LLC, S corp ), and inform...
Allison Said:Who should you get that doggy in the Window From?We Answered:Your question is difficult because you have such a HUGE LIST of possible dogs you want.
And you claim there are no available dogs closer than L.A. (which is only 100 miles from you) or further and you imply there's nothing closer than 200 miles away from you.
I did a search for some of your smaller list of preferred dogs:
"Great Dane, Olde English Mastiff, St.Bernard, Cane Corso, Neopolitan Mastiff, Or the Bullmastiff"
and there's no such thing as "Olde English Mastiff"
I found some in:
Desert Hot Springs, Murietta, Escondido,...
Willard Said:Is there a difference between financial institutions and economic institutions?We Answered:Sorry; I have never heard the term "economic institutions" I'll see what I can learn.
Here’s one definition, but it seems pretty loosey-goosey
http://www.econlib.org/library/Topics/Hi…
These sites seem to think they are the organizations that study economics:
http://ideas.repec.org/top/top.inst.all.…
http://cei.ier.hit-u.ac.jp/English/about…
These sites seems to think they are any institution that is not either a social or a political institution”
http://www.businessdictionary.com/defini…
http://www.haas.berkeley.edu/groups/pubs…
http://www.museumofmoney.org/babylon/
http://www.nber.org/papers/w10481
And here’s some that seem to know that that phrase must mean something, but aren’t terribly sure exactly what it might be
http://www.allacademic.com/meta/p_mla_ap…
http://ocw.mit.edu/OcwWeb/Urban-Studies-…
http://econ.worldbank.org/external/defau…
Well, that phrase looks like another one of those combinations of words that seems like it ought...
Ramona Said:Too big to fail? Didn't we just learn that it's all about the politics of pull?We Answered:It's all about favor for favor. Look at Chris Dodd, and his Senatorial Counterpart who
got the sweet heart loans from Country Wide, These two Senators decided that the
Sub Prime game was just fine. Keep Freddie and Fanny in the game. And screw
the rest of the Nation. DC in the past 150 years has been all about favors. And
who cultivates them best. So you could not be more correct in your summation....
Eddie Said:Can the Massachusetts model of Heath Care be extended to and succeed in other states?We Answered:It's not even succeeding in Massachusetts yet.
Give it some more time before you talk about expanding it to the rest of the country.Darrell Said:Why have the HealthCare costs for those using the Massachusetts run polls come down 40% while plans offered by?We Answered:Because more people are paying into the pool. It's how insurance works.
Many conservatives support that kind of plan, but the issue with the Federal plan is that the government wants to subsidize those premiums so the taxpayers will simply be on...
Minnie Said:Mastec Advanced Technologies withholding payment due to 'outstanding damage claims'?We Answered:You "assume" your claims went to your insurance. As a business owner or manager, you must make sure claims are processed and settled with insurance companies just so things like this don't happen. Get on the phone with them and the insurance company and get it worked out so you can get paid.
Payroll should have already been set aside for current weeks. That's cutting it too close.Dwayne Said:My bckgrnd is avtn., security, a landlord, & a Master's in Aero Sci. What"s the best business-job field for meWe Answered:you...
Morris Said:I am looking for a couple of companies in Michigan that write Taxi insurance.?We Answered:Why Michigan? Insurance policies can be written by any company in the world.Jean Said:Small Business Insurance Question Michigan?We Answered:You need to go to a local, independent agent. They'll be able to shop this out. The standard companies are probably not going to take you, if you have no prior insurance history. The direct writers (State Farm, Allstate, Nationwide, etc.) also will not take you without three years prior insurance.
It's crucial if you do interior only, or any exterior. It makes...
Kathryn Said:Working with an out of state license?We Answered:Keep your own insurance and license intact, as is-----let the employer worry about the rest of the matter, as long as your working for him, that's his problem...
Vincent Said:I am a painting contractor and would like to expand into the commercial contracting arena in new york city.?We Answered:Im in the cleaning business with similar situations. The insurance should NOT cost too much. I finally found, through american family insurance, the minimum that I needed and it costs about 30.00 per month. That is not bad. Be careful for those chaps that will try to bilk you out of hundreds. Did you know that most companies ask for this insurance not because they are concerned that you will need it but because on...
Megan Said:in the state farm commercial does the guy?We Answered:Yes. That is the same guy.Daryl Said:Have you seen the deceitful commericals on FOX News by Plus60?We Answered:PJ MEIN FUHRER IS proud of you go and report for duty in GOEBBELS SS PROPAGANDA UNIT,,,,Christian Said:Health Care Reform TV commercial?We Answered:You are 100% correct. I am in the same boat. When something comes up... I pay a lot because of the deductible and everything else. We know the gig.... A free ride does not happen.
well, a free ride does happen. Just...
Colleen Said:Do I need to be currently employed to get NJ state P&C Insurance license?We Answered:No. I doubt it. But call them to make sure.Erik Said:What should I be going after in organic Seo based on my DMOZ?We Answered:Don't let your DMOZ listing determine what keywords you target. Instead, consider the amount of search traffic each keyword might bring.
In your example, Overture's keyword suggestion tool shows the following search volume (in the last 30 days) for the keywords you listed (and some alternatives):
Insurance South NJ - zero searches
New Jersey Insurance - 938 searches
new jersey manufacturer insurance...
Jennifer Said:What is with the "Seeitnext.com" commercial advertising campaign.?We Answered:My guess is that it has to do with a new car at the AutoShow that begins at the beginning of February. The show is at the McCormick place which is named after Mr. McCormick who was a Colonel, not a General but the "General's North Chamber" would correspond to the North Hall of the McCormick Place center where they hold the auto show. This is when a few companies are supposed to unveil new cars, so you can see it next. It says on the website to enter information to...
Nora Said:Commercial Burglary-Legal Help Wanted?We Answered:You should hire a lawyer and sue the landlord. It sounds like the landlord was negligent in not securing the property against theft and burglary.
Im sure your landlord's policy should cover his negligence. Its not foreseeable as a tenant that someone would break into your unit through a wall, but it is foreseeable as a landlord, that if you leave the unit next door unlocked, someone could use that as a way to go through the ceiling or wall to burglarize a unit next door.
Get an alarm system and buy theft insurance.Cindy Said:qualified legal...
Nora Said:What TV commercial is it? hot blonde leaves husband with suburban keys while she rides off on his motorcycle?We Answered:State Farm insuranceWillie Said:searching for state farm insurance commercial: girl is flying first class as opposed to crowded coach class.?We Answered:Try YouTube:
http://www.youtube.com/watch?v=ClZmD1u8B…
P.S.--I agree that the haircut is cute. Go for it!Glen Said:What car insurance company has this commercial? False analogy?We Answered:I'm pretty sure it's All State insurance I don't know where the commercial is though. You may want to try youtube.com! Hope this helps a little!Gina Said:Who is the Brunette actress in the American Family Insurance Her Perfect Place...
Todd Said:car rental for $9.99 a day? Has anyone seen that commercial?We Answered:make sure you read the fine print. Those 9.99 a day deals charge mileage and can get very pricey.
added:
There are no truely cheap car rentals. They usually have newer cars and must pay for the car, maintenance, insurance and make a profit off of the deal. Think of it this way; if he bought a car, his payment would be about $350 a month and Insurance would be about $100, so the deal you have worked out is probably fair if there is no mileage tacked on to...
Leslie Said:How do I get started with a career in Information Technology?We Answered:You should go for Graduate course in Information technology. India is now a hubed for all student around the world because it its teaching and low fees. It's a good career but take lots of patient and hardwork to be in the top. But atleast you won't starve if you know IT abit. There are many ways in IT line to earn money.Yvonne Said:What's your plan to save the US economy right now?We Answered:1) Put more money into schools. Schools loosing funding is a big issue, especially in...
Marie Said:Should I buy an AARP health insurance plan?We Answered:The AARP health insurance plans that you see mentioned on TV are really plans that are underwritten through United Healthcare and just using the AARP brand name so they are definitely plans from a strong company.
However, the AARP plans are just supplemental plans as far as I can tell. They may offer some full coverage comprehensive major medical plans in some states but all that I have seen is just supplemental type plans.
If you are under the age of 65 then make sure to shop around and compare quotes from many...
George Said:Where to find specimen commercial insurance policies, such as Burglary, Fire, Theft, Personal Accidents, etc.?We Answered:OK, the PROBLEM is, that the "standard" policy likely varies by state. If you're looking for ISO wording, you can't get that for free - you need to BUY it from ISO. MOST insurance companies will give you a "sample policy" of a particular company, if you ask - so go ask your agent if he'll give you a sample policy.
Also, you can BUY something like the CPCU Handbook of Insurance Policies from www.aicpcu.org.
But again, the sample policies do vary! "Standard" is...
Carlos Said:My mother had a policy with Commercial Insurance C o of Newark,N.J. also.?We Answered:If you are trying to track down an insurance company try http://www.state.nj.us/dobi/division_ins…
Or call the NJ Dept of Insurance at 609-292-5427Lucille Said:What is the old insurance commercial where the man reads his policy and goes crazy?We Answered:Don't know. Sorry I can't help. This is 'jokes and riddles'. Try putting this question in the 'television' category and you will get a better response....
Darrell Said:Could someone give me an idea for a T.V. commercial?We Answered:look at how reality tv is such a hit, why don't you try something along those lines for your commercial. maybe a colloage on people on a big frame and then bits of these collages coming off to talk about how great the product is. if you could do before and after on some product, that is always a hit. it strikes peoples curiousity to see something like that. Really nice music, that is not that main stream is also very catchy. People will remember the song and...
Melvin Said:Insurance vs Taxes on Commercial Real Estate?We Answered:It depends where the property is located. Every state, county, city has a different tax rate. For instance, in California the rate is around 1.25% to 1.75%. In Texas the rate is around 4%-5% of the assessed value.
Generally speaking the tax rate is 3 to 4 times the cost of insurance. But that also depends on the kind of coverage of the insurance policy. If there is earthquake or flood insurance on the property that could double the price of the policy.
The type of tenant in an...
Gail Said:Are the banks insolvent? Which ones? How do we find out? What do we do until we can find out?We Answered:Evidently you forget mccain's good buddy charles keating (and the lincoln savings & loan) or george w bush's brother neal (and the silverado savings & loan)
A good way to safeguard your money is to keep it OUT of financial institutions run by friends or family of republicans.Guy Said:What the Hell is Obama talking about that his health care proposal will extend coverage to 95% of?We Answered:and they will. this whole fiasco schitt health care will allow the democratic party...
Roberta Said:Do you know how much your health insurance premium will be going up?We Answered:The Affordable Care Act, is commonly called health care reform, that was recently passed.
Premiums are expected to go up between 25% and 40% this January, and will SKYROCKET by 2014, when all preexisting conditions must be covered.
In case you didn't notice, "affordable" is an extremely subjective word, and the ACTUAL result of this health reform bill, will be to make insurance much more expensive, thus LESS affordable. Which is what the politicians want, so the sheeple will go along with "universal...
Anna Said:Where to find medical insurance plan for a diabetic?We Answered:There are no regular insurance companies that I'm aware of that let you pick what's covered because that would open them up to a bunch of lawsuits.
There are some companies that will cover diabetes but that depends upon the type. If she is insulin dependent most companies won't cover her. If it is controlled by diet and exercise or oral medication some companies will write her but will probably have a pre-existing conditions clause or a rider and won't cover the diabetes immediately, you usually have to wait at...
Priscilla Said:Do you think that Flo, the TV commercial Progressive insurance chick with the tricked out name tag, is hot?We Answered:Hey there Sweetie ! XO
" YOUR SATISFACTION is OUR POLICY " .........Mmmmmm Mmmmm Yummy ! That says it all ! XODarren Said:Why do they say "free quote in seconds" in those commercials?We Answered:Quote is a 1950's slang term.... meaning "can you give me a price?". Like calling a car dealer and asking for the price over the phone. The dealer does not like to do that. He wants you there at his business sitting in the car. But...
Tracey Said:How can I find an estimate of commercial insurance for a business project?We Answered:Well, it's not going to be a "realistic" quote unless there are a LOT more details, like, what are you selling, what kind of alarm system is there, how long has the business been established, what kind of experience the owners have, who owns the building, How much coverage are you looking for, do you need loss of income coverage, are there any employees, what are the annual sales, etc.
There are MORE questions, depending on some of the answers of the prior questions.
That's...
Tracey Said:Does having a commercial drivers license affect my insurance rates?We Answered:no it doesn't. Your driving record, vehicles, age and whether or not you smoke will affect your cost- but not your type of license.
Eighteen year professional driver in all 48 and Canada and instructor in Illinois and California. My agents have never factored my license type as a factor.Lydia Said:I just got my ifsac firefighter 1 certication can I ask for a lower insurance rate where I live?We Answered:Unfortunately no. Insurance rates are based on ISO ratings of a fire department. Where ever your local fire department is...
Angela Said:small buisness insurance rates?We Answered:OK, you'll need to contact a local agent. If you're doing interior only painting, it's likely going to run you about $1,000 a year. If you do exterior, but no higher than 2 stories, it's going to run you closer to $2500 a year. If you go higher than 2 stories, or use ANY scaffolding, it's probably going to start at $5,000.
Assuming no employees.Ted Said:are the big insurance companies going bankrupt?We Answered:Some insureurs have had a squeeze on their capital position this year becasue of substantial losses in the their...
Edward Said:The Geico commercials make no sense, especially 'so easy a caveman can do it'. What is that supposed to mean?We Answered:What the commercials actually advertise is the GEICO website. They are saying "it's so easy (to use) even a caveman can do it". The premise is you don't have to be computer smart (remember there were no computers yet during prehistoric times) to use their website and get insured....
Dianne Said:Advice on creating a non-profit FAA Part 135 non-scheduled air charter service?We Answered:The short answer is that you cannot run a non-profit organization if it would compete with a for-profit organization. That doesn't mean that you can run a non-profit organization simply because your business doesn't make money.
The only incentive of a non-profit status is being tax exempt. Since Alaska doesn't have any taxes to speak of there is very little incentive for you to pursue this. For-profit corporations are allowed to pursue grants etc.
Additionally, non-profits have to be ran like a corportation. ...
Tara Said:Woman on craigslist is selling her son?We Answered:I think that it's legal if you have lawyers and all the proper paperwork as this is the only thing adoption agencies do - they just have their own lawyers and they are familiar with the process so it might be quicker.
The thing that is crazy is that she is asking for money. From what I understand, if you go through an adoption agency you don't purchase the kid - you just cover legal expenses and fees. That's pretty ridiculous. It is her asking for money that...
Jack Said:Will my insurance premium increase if I decide to advertise my teaching services on my car?We Answered:Nope. Your car is a commercial risk if you use it for business, but private citizens are free to advertise on their vehicles. There are even people who let companies advertise on their private vehicles to help with costs.
In the event of a claim, you would certainly be asked if the vehicle was used for business, since the other party would be likely to mention the advertisement, but if you're not, you should be okay.
Using it for business in your case...
Kyle Said:What Are My Health Insurance Options When Hiring First Employee(s)?We Answered:You need to talk to your business insurance agent about your options - if they don't do health insurance, they can refer you to someone who does.
Legally, there are ways to do this - but the policy WILL be individually underwritten, for the ONE employee.
Offering benefits to employees is EXPENSIVE.Darrell Said:Advertising ideas for insurance?We Answered:1. Billboard (affordable ones)
2. Flyer
3. Local Cable TV Network
4. Internet
and more...
Ricky Said:Should pharmaceutical companies be allowed to advertise on TV?We Answered:I totally agree. I worked for a primary care physician. When the drug reps would come, they let us pick out food from any restaurant in town, sometimes spending $200+ on our meals. She or he would then sit down with the doc and talk about how wonderful their product was and give free samples for the patients. within the same week, the doc was prescribing these drugs to the patients. The whole waiting area and bathroom were one big advertisement for drugs!!Minnie Said:Why has nobody considered the case for...
Nicole Said:Neurologist/Pain specialist: not Quack, but questionable practices? Your thoughts needed.?We Answered:To respond to some of your issues.
1. Many pain management physicians see a moderate to high percentage of worker's compensation patients, after all workplace injuries, especially in high impact occupations result in a large portion of the spine injuries.
2. Most steriod injections are done in groups of 3 and have a cummulative result, the second works better than the first, and the tird works better than the second. This is because if the area has significant inflammation, the antiinflammatory agent requires time to work.
I cannot tell you...
Richard Said:what companies that buy term life insurance ?We Answered:As mentioned these are companies that basically con money out of you.
If you are diagnosed with a terminal illness these companies will pay you a portion of the benefit amount if you sign the policy over to them. (IE: If the benefit amount is $100K, they will pay you $90K now if you sign the policy over to them so when you die they get the whole amount).
Most insurance companies have clauses built in there you can have the living benefits paid out in full if you have a terminal...
Beverly Said:NFL Week 8: Which teams will come out on top?We Answered:Ravens -7
Chargers -3
Jets -13
Bills -2
Bucaneers +2
Eagles -9
Patriots -7
Cardinals +5
Lions +8
Jaguars -7
49ers -5
Bengals +10
Titans -4
Missouri -22
Penn St -3
ND -12
Cal -17
Okla St +13
LSU -2
There you goCassandra Said:Question about DWI charge in Texas?We Answered:you would need to carry SR-22 on any vehicle you personally own
and if you was over the legal limit of 0.08 you was drunk
so if your name isn't on the ownership papaers of the company cars then they might be exemptRita Said:Can I report a state strooper for harrassment for following me for 20 min. and...
Marie Said:Why did people take off the miss road rage commercial?We Answered:Yes I have seen this commercial. As a matter of fact i work for this company. This is one of the worst commercial of all times. They pulled it off the air because the marketing team was seeking a newer commercial idea. Back in September, Grey Power sent an email out to all the employees to ask for a new idea and a chance to win $200. I believe this was the great idea chosen. Ms Road Rage generated so many complaint calls i wanted to shoot myself, I...
Tamara Said:I do not speak English . But my work wants CURRICULUM VITAE (cv) I want to review rules of grammar and spellWe Answered:no offense intended dude, but unless you were my college roommate and i owed you for that time you kept me from running drunk and naked through the women's finals basketball game or for bailing me out of jail, this is a lot of work. there are many online resources for self-help, and many services that will help you for dirt cheap. search for "resume writers" on your favorite search engine or craigslist for such persons.Patrick Said:Help...
Aaron Said:Is it easier to get commercial insurance if you create a company versus obtaining it as an individual?We Answered:Talk to an insurance agent for a free quote. I believe you may be a little confused about the word "commercial". One need not have a corporation to have a commercial insurance need. You may want to talk to an accountant to see if there is a benefit to incorporating, however. For instance, if you have a business, and pay corporate taxes, you may be able to deduct all of the insurance costs as a business expense. So, make 2 phone...
Raymond Said:What type of insurance do I need for an elderly driving service?We Answered:livery coverage, just like the last time you asked the question...
Jeffrey Said:Can i buy commercial insurance renewals?We Answered:Try Domestic & General web site.Miguel Said:I want to buy my commercial insurance from AXA in the UK. Are they OK financially and do they pay claims?We Answered:Commercial property or commercial vehicles. I work for Norwich Union Commercial vehicles and Axa suck at that...
Hugh Said:"I want to eventually be a professional liability underwriter,what do I do to achieve this"?We Answered:Sounds to me like you are on the right track, now you need to get your feet wet with some understuding of a real underwriter.Marcia Said:Should I Be Worried About My Job?We Answered:Sounds like you may have cause for concern, but due to the fact that your entire hub is suffering, nothing to do with you specifically.
Just make sure you are working better than most, and make sure it gets noticed. Keep your boss up to date about your successes. Once you are...
Gordon Said:Why can't the Federal Government just buy BlueCrossBlueShield 4 those Americans who can not afford Insurance?We Answered:That would be a blatant government takeover and people would flip out... It's a more subtle takeover if they just drive them out of business over the next few years and force everyone on to the government plan.Edna Said:Job search help?We Answered:You shouldn't wait for a job to find you, look up the places you are willing to work at and apply through the actual company instead of at a temp. agency. You say you want a job working with the government, apply...
Ronald Said:what is the law on driving commercial vehicles?We Answered:If you passed your test after 01/01/1997 you can drive any vehicle up to 3.5 tonne max weight so most car derived vans would be fine as they will be below 2 tonne (over 2 tonne has lower speed limits)
There is no age limits on car derived vans.
Car derived vans cost roughly twice as much to insure that the equivalent car.Lloyd Said:looking for a finance company, for commercial trucks, vans, busses.?We Answered:Try Here
http://www.kellysearch.com/qz-product-14…
Good LuckShannon Said:Car Insurance Question UK?We Answered:Hello
Check with your Insurance Company.
I lost Full NCB when I went from Motor...
Mildred Said:does anyone know of insurance company who will accept commercial vehicle ncb on a private car policy-thank youWe Answered:You should beable to put on your personal policy - just state that it is an "artisan" vehicle - used for both business and personal. I know GMAC, and Progressive both do this - I'm sure other companies do too.Cindy Said:i bought an old commercial vehicle, and paid the insurance premium through cheque of my a/c.?We Answered:Seems fraudulent...
Let get this straight...
You buy an old vehicle.. then place theft insurance on it.. and "lo and behold you verily, verily shite unto...
Priscilla Said:qualified legal help, please! about insurance and landlord.?We Answered:You have no case against him - he didn't steal your stuff, and he didn't leave YOUR unit unlocked.
He's not legally liable for your stuff. He didn't cause the loss.
That theft exclusion is a problem. Most of the time, retail stores are required to have a central station alarm system for fire & theft, and if they don't, then the insurance companies won't cover theft. So no, it's NOT unheard of to have a theft exclusion on a commercial policy. Do you have...
Susan Said:Should we sue our commercial landlord or his insurance or just give up?We Answered:not sure where you are at? but there are government housing act agencies in most places that would look into it, also sue the bast*** . do not let them get away with it, you will just heap it on someone else,.Javier Said:complaints to a commercial property landlord?We Answered:Well the first thing that you need is to secure legal counsel. Find out exactly want resources are available to you and how to use them. Also legal cousel can assist with the execution of the...
Rose Said:Commerical Leasing question?We Answered:Yes you will have to pay all additional taxes and costs.Alex Said:Tenant signed lease for 6 months now wants refund???We Answered:It depends on what state your located in. Every state has its own laws about such things. Look on your gov’s website and it can tell you what you need to know. But in short he signed the lease, correct? Look over the contract and see if there is any loop holes in the wording of it, he may be trying to wiggle out of the lease by bad wording. In short, he signed the lease,...
Ann Said:Who sells affordable professional liability / malpractice insurance for dentists?We Answered:Well, professional liability isn't much of a moneymaker, from the insurance company's point of view. Luckily for you, dental malpractice is a lot less hazardous, however, unluckily for you, most insurance companies won't offer just ONE class of malpractice insurance.
That means, in any given state, there is very, very little competition for professional liability coverage. You don't say where you are, but there are probably less than five carriers in your state. Several of those would probably be non-admitted carriers.
The best thing to do...
Shannon Said:Do owner operator truck drivers legally require liability insurance?We Answered:First, the insurance company is required BY LAW to contact your DMV if your coverage lapses. The DMV will immediately contact you for proof of current coverage. Failure to do so will lose your registration, a healthy fine for unregistered/uninsured commercial vehicle and if they want they can even take your CDL.
Stick in there. I'm seeing freight start to pick up.
Your rates seems high to me if you are referring to your Bobtail insurance. I'd do some shopping around. I use 1st Guard. You might want to Google them...
Margaret Said:What going on with this insurance?We Answered:Probably he is NOT ripping you off.
Most likely, there has been a RATING CHANGE on your policy - either through an audit, or an inspection.
That means, they either changed your classification, or they changed the rating basis, based on inspection or audit. It's NOT the agent ripping you off.
He gets paid, via commission. He gets, on average, 15% of the general liability premium. BUT, if he can't tell you off the top of his head, or within 10 minutes or so, WHY the premium has increased,...
Mae Said:Liberals spin Michael Moore's 'Sicko' says FOXNews.com ("Brilliant!")?We Answered:I've seen Michael Moore talk about Sicko and as much as i despise the things he did in Fahrenheit 9/11, I think sicko looks great and is completely right.Jeffrey Said:Equine Liability Insurance?We Answered:I went to a place online. and some places wont cover your horse if it's got anything related to a horse that has tying up. or some other bad genes...(just what I have been told) they also ask if your horse has halter bloodlines, my horse never did , so my cost a year would be 150.00 that is...
Rose Said:As a claims assistant for a commercial liabilty insurance company, what training will help me to advance?We Answered:http://www.aicpcu.org/
Go to this web site.
They offer lots of different programs in insurance.
You may want to start out with an easy one like INS. It's 3 courses and its not hard at all. It is good introductory information.
In claims, you usually start with INS and then move onto AIC (Associate in Claims).
If you are wanting to eventually be an adjuster - these are the two to start out with.Roy Said:what does it cost for commercial liability insurance?We Answered:Commercial general liability...
Clifton Said:Need Help!! Jane Siberry song in 1990's CDN T.V. Commercial .. possibly for an insurance company?We Answered:hey, i cant answer your question but i did want to write an answer just to let you know that someone actually read it. better luck next time and i hope your problem was resolved....
Anne Said:Has anyone else seen that annoying life insurance commercial where the old lady says "I wish life was like ..We Answered:I agree that it is poor acting, love. But believe me, you'll feel differently when your backside is sagging and life is getting shorter. Ahh, the invincability of youth. There was a time I thought I would never see 40. Now looking back, 40 seems young!Sonia Said:do u know the song in the sunlife life insurance commercial?We Answered:Your Sunlife song is Sarah Mclachlan - "Ordinary Miracle"
Lyrics:
http://www.mp3lyrics.org/s/sarah-mclachl…
The Chevy song is "Two Of Us" by Lily Frost.
See:
http://adtunes.com/forums/index.php?show…Steven Said:What do you think...
Steve Said:Black balled from insurance In Connecticut?We Answered:well, you'll have to move away from the whole life end of it, and focus on the p/c side only - and find carriers that are more p/c oriented. EVERYONE is going to want you to be licensed for the annuities thing on the life end.
OTOH, if you just start sending out resumes to agencies. . just about all of 'em will take on a commercial lines sales guy for straight commissions, which sounds like it would do the trick. YOU could screen out the ones you...
Lester Said:Working in commercial lines insurance ?We Answered:visit the website for IIA/AIC/CPCU. They have some mini courses that will let you figure it out. Also, the only difference between personal lines and commercial lines for a property adjuster is the size of the loss, and the coverages. Take some coverage courses (same website) and you should be ok to start....
Ray Said:How much do you tip a pizza driver, or do you tip at all?We Answered:$5 per order. It also depends on how large the order is. Living off tips is hard. some people dont tip at all. i really think companies should offer higher wage but what can i say? supply and demand
EDIT: If i knew you were delivering my pizza i would show up at the door looking extra special with a larger tip *wink* I'll even give you a couple extra to fill up your tank for the ride backAdrian Said:Where can i find a lender for...
Erica Said:Advice on me enlisting and the situation I'm in...Please help me?!?!?We Answered:Go look in a mirror. Take a look at that guy looking back at you. Family, friends, loved ones, wives, children of your own, and kibitzers like those of us on YA... we come and go in your life. That guy in the mirror is there for the duration. He's the one you need to live your life for.
Do your research. Make the best decision you can based on that research. But YOU have to make it. If you're worried about making a wrong decision... I can almost...
Lloyd Said:What does no medical or health questionaire really mean?We Answered:Yes. Because these are 'guaranteed issue' policies. The catch is, you have to pay in at least two years before you die, for them to pay out. If you're well enough to live for two years, you're usually well enough to live for five years. After five years of paying in, you're paying in MORE than they are paying out.Willard Said:Does anyone else think it's creepy how they still show commercials with Billy Mays on tv?We Answered:Yes, especially when he goes 'Billy Mays here'Andrew Said:Why are...
Theodore Said:Insurance Premium-Due in FULL and UP FRONT...?We Answered:Some states require that, for personal auto and homeowners, a company offers payments.
NO states require that for commercial insurance. MOST companies, once you hit $25,000, will offer a payment plan, if it's through an admitted carrier. NONE will, if it's a surplus lines carrier. Most of the time, that payment plan, is contingent on you're paying EFT, or it's quarterly instead of monthly payments.
Bottom line - if your policy has a "100% fully earned" clause, you can't get financing unless the agent is guaranteeing you, to the company. ...
Charlotte Said:Does anyone know the song in the new GEICO caveman commercial for motorcyle insurance?We Answered:The song is "Hurt You" By The Sounds.Glenn Said:What is the name of the song in the Geico motorcycle commercial?We Answered:The Sounds - Hurt You
http://www.youtube.com/watch?v=TSGpdTLYG…Lucille Said:whats the name of the song on the geico motorcycle insurance commercial with the cavemen?We Answered:Hurt You_The Sounds
http://splendad.com/ads/show/2622-GEICO-…Agnes Said:What's the song in the Allstate Motorcycle Insurance commercial?We Answered:It sounds similar to Johnny Cash's song "gods gonna cut you down".Stephanie Said:Who are the girls on the geico commercial?We Answered:Toni Lili and Susan...did I miss anyone?...
Tara Said:WHICH OF THESE PAIRS OF FINANCIAL INSTITUTIONS ARE MOST ALIKE IN TERMS OF THEIR MAIN?We Answered:Looks like AChristine Said:Is the Glass-Steagall Act even relevant if some financial products didn't exist?We Answered:The problem with your logic is that the products are risky, not fraudulent. Thus, they are legal products and came about because of the repeal of the wall between investment and commercial banks. To get to the bottom of your logic puzzle, Congress would have to pass laws that made these types of products illegal - in which case, the commercial bankers would just find a different...
Bobby Said:What is the Title and Artist who sings this song..."And I don't know is this the part where you let go."We Answered:It's the band Hem and their song "Is This the Part Where You Let Go" by Dan Messe. You can find the lyrics here:
http://allabouthem.com/halyrics.htm
and you can find more info about the band at:
http://www.hemmusic.com/
I also just saw the ad and heard the song and loved it! You were right, it's an ad for Liberty Mutual.Leslie Said:what is the song in the commercial for...?We Answered:"Half Acre" by HemShelly Said:Whats that song on the bank commercial gah!?We Answered:I've seen that commercial;...
Carla Said:How much do office/commercial cleaners cost in West Yorkshire, Leeds & Bradford?We Answered:gasgasga...
Micheal Said:To those who don't believe we are in a recession...lets discuss?We Answered:According to the NBER's guidelines for what a recession is, it certainly would point to the fact that we're in a recession. It doesn't take a weatherman to tell me that it is raining outside when my roof leaks.
Lets face it--- companies net profits have fallen, the housing market is a complete mess, consumer confidence has dropped significantly (although not a dramatic drop in the timeline of the suspected recessionary period)
You mentioned Bear Stearns already, but I'd like to add that Bear Stearns survived the Great...
Ruben Said:Are Democrats capable of putting down the human shields and answering the question?We Answered:It's more than just being about health-care for everyone.
It's about taking that first painful step, using 'the children' as a tool to create a monstrous bureaucracy to administer it.
Once those logistics are in place, every step toward socialism in the other sectors will seem natural.
It's a certainty. There will be one agency after another tasked to support the health care system and they will all be caught in the same bureaucratic web.
The bills to support it all will come incrementally as add ons to other bills...
Brandon Said:Public theft from a commercial premises. Does the company have any liability?We Answered:Hi Signum,
There is specific case law that covers this type of scenario.
It is Olley v Marlborough Court Ltd [1949] 1 KB 532.
The claimant, Mrs Olley, left a valuable coat in her hotel room. On the back of the room door it stated that valuables left in the room was entirely at the owners risk.
The coat was stolen but the hotel denied liability. The court of appeal said the hotel was liable because the disclaimer should have been clearly visible before the claimant signed the register when...
Dianne Said:leasee on commercial property?We Answered:Well, none, unless it was given to you in your leasing contract.
But under YOUR property policy, as a tenant, there's a coverage to protect you in case something like that happens. It pays the rental difference between the old lease, and the new lease for similar quality/space, for the remainder of the lease period.
You should check with your agent to be sure you have LEASEHOLD coverage....
Wayne Said:Is it fraudulent to set up a shell company to complete insurance work, in order to receive replacement value?We Answered:This could get you some serious jail time...
Insurance companies have heard all of this before.
It won't be hard for them to find out that this company was just created and the trail back to you will be a short path.
Attorney's fees and the like would make whatever you gain look like lunch money.
I would just take what you are offered and leave the fraudlent stuff alone.
Insurance companies have lawyers on staff who do nothing but search for...
Philip Said:How do i start my own lawn care business?We Answered:Questions:
1.What are the requirements by law, for me to do business as a lawn mower/or landscaper. Exactly what licenses, and paper work will I need to fill out etc. And any other requirement, to do this type of business that I will need.
2.What equipment will I need? About how much will it cost for everything? New/Used
A trailer to get your equipment to the work site.
Riding lawn mower
Walk behind mower
Edger for sidewalks
Blower for cleaning up
Leaf/grass catchers for Riding and walk behind mowers
3.What do...
Jeremy Said:Tax deductions for insurance expenses?We Answered:it is likely a home based business they are using the deduction for. you can not use these items as deductions from wages earned as an employee....
Jo Said:Where is the origin of this Quote by Colonel Edward Mandel House?We Answered:As you say, it's supposed to come "From the private papers of Woodrow Wilson".
Frankly, the whole "supervillain reveals every detail of cunning plan" flavour, along with the "dog ate my homework" origin and its appearance only on unreliable websites and in two highly polemical books http://books.google.com/books?client=saf… , puts strong doubt on its authenticity - unless someone can show us a primary source....
Lauren Said:Is this true Socialism?We Answered:That sounds like a tax-free heavenMarcia Said:Report accident to car insurance company?We Answered:Different possible scenarios:
1. The other driver refuses to report it to his insurance and you have collision coverage. - contact your insurance and they should repair your vehicle as long as the damages are over your deductible. If it is over your deductible and they pay you they will then go after the driver for the money back and your deductible back.
2. The other driver refuses to report to his insurance and you don't have collision coverage. There's no point because you...
Erin Said:I am a commercial insurance producer. What are the most profitable industries to go after?We Answered:Commissions are all about the same, except for workers comp which stinks for the work you have to put into it.
The big key is, finding a niche where you ALSO have a market happy to write it. Many carriers won't touch a hotel/motel. Many won't do gas stations. Pizza shops are too small, manufacturers can be high hazard. Printers are high fire hazard. Governmental entities are hard to place, and there's extreme competition, plus they get...
Warren Said:Max amortization on commercial properties?We Answered:I hardly ever see commercial loans over 15 years. If they are over that, they usually have a balloon date. You need an independent insurance agent who will broker out the policy. Call your agent for your home for a referral first....
Ruth Said:What can i do as a property owner...?We Answered:Issue you a 30 day notice to vacate. No reason.
Then you evict him in the courts if you have to, Failure to Vacate.Alexander Said:Who's responsible in this car accident?We Answered:If the driver was in the course and scope of his employment and had permission to use the vehicle, the commercial property owner's insurance company would provide coverage to the driver. He would be considered an "insured" by definition under the commercial auto policy. The driver's personal auto would likely deny coverage if he was working at the...
Emily Said:Public liability insurance for a non-commercial short film?We Answered:You should be able to get Public Liability Insurance for this. Don't call a broker though just call a few direct Companies, explain what you need it for. you may have to take this out for a full year so if you are given the choice go for a direct debit payment option - this way you can cancell the DD's from the bank!!Denise Said:The Twelve Federal Reserve Banks can best be characterized as?We Answered:take a clean cloth and damp it with distilled water. you could also use a rubbing alchohal...
Harvey Said:thinking of investing in commercial rental property, I've never even bought my own house before!?We Answered:That depends on:
1. How good your assumptions are versus real operating results
2. Your investment goals and objectives.
Start with #1. Without being able to verify or challenge the numbers you supplied, let's look at "what other bills there would be". First, are all 4 units currently rented, or would you need to incur marketing costs? There's very few properties that are 100% leased to tenants that pay 100% on time 100% of the time.
As I read it, you are projecting...
Mathew Said:I can no longer pay my credit card debt. What legal actions can credit card companies take against me?We Answered:Speak with your credit card company as soon as possible, before you cant pay and they turn you over to collections. It depends on the company if they can offer you any assistance. I would suggest checking into a reverse mortgage on your home, but I believe you must be at least 65 to do that. With debt that high your creditors can take you to court and have possible liens placed against anything you own. You could try debt...
Paul Said:5 weeks and NO insurance.?We Answered:For eligibility for WIC here is the web site to see if you qualify for it and where to locate your local office. Also go to your local welfare office to ask about Prenatal Block Grant and how to apply for it. This is a program to help low income families with pregnancy care, childbirth classes, Breastfeeding information and tons of other services. Good Luck!Bill Said:I can't remember what this ad was for...?We Answered:It's a workplace safety ad.
http://www.youtube.com/watch?v=QmnxMBNDw…Katrina Said:Is this a legally binding contract?We Answered:It seem so, though really there's no official way to...
Ray Said:Can I make an accident claim through party at fault without contacting my insurance?We Answered:your policy probably has some stipulation indicating you are required to notify them promptly of all claims. if your vehicle was parked and unoccupied, it wouldn't hurt to report this to your insurance company because parked and unoccupied vehicle claims are generally considered to be "no fault" claims on your policy. Besides, if it turns out that the commercial vehicle does not have valid insurance, you may have purchased a coverage called uninsured motorist coverage which would allow your insurance company to pay...
Tracey Said:Where can I get an interesting job?We Answered:The circus. Don't be discouraged because I'm only half joking but I do think you will need to start thinking more boldly to get out of your humdrum employment rut. As for real ideas I haven't many because I'm a pretty localized Seattle-ite myself....
Sarah Said:Is driver's badge necessary for accident claim of a taxi in Delhi?We Answered:It does not sound right. I would check with your local insurance authorityMark Said:I need taxi insurance because the company's insurance turned me down - Any idea's?We Answered:Unless the taxi company is willing to sell you the vehicle then you cannot insure a vehicle that you do not own. So you cannot go out and purchase insurance on a vehicle that is owned by someone else. You never said what the reason was that their insurer won't insure you. It may be dumb to you but...
Jerome Said:commercial property?We Answered:There is some coverage for businesses that are subjected to unforeseen events which cause their business to be closed or something happens where their customers cannot get to the business to buy goods.
This business interruption insurance helps cover the shortfall in earnings.
However, I don't think you'll find many commercial policies willing to pay for failure to pay rent.
You just need to make sure you carefully check the prior lease/rental history of your potential tenant.
There are many services that offer reports on the credit history of businesses....
Esther Said:What is title insurance?We Answered:You're going to have to suck up to some closing companies and real estate agents.Pearl Said:On the insurance commercial with the caveman they play a song about a better place in time. What is the titleWe Answered:Royksopp - Remind Me (Radio Edit)
"And everywhere I go,
There's always something to remind me
Of another place and time"Herbert Said:I'm trying to find out the title of a song that was used in a commercial. " I'm 33 for a moment." Any ideas?We Answered:Five For Fighting
song title: 100 years
lyrics:
I'm 15 for a moment
Caught in between 10 and 20
And I'm just...
Erika Said:Penske truck rental: Insurance question.?We Answered:You will have to call the Penske place and find out the cost of the insurance.
I would expect it to run about 20 per day. (that is about what the insurance on a rental car runs).Lorraine Said:Who is the Brunette actress in the American Family Insurance Her Perfect Place commercial?We Answered:Are you stalking her?
Nadia Benavides...
Patrick Said:Starting a car hauling business with dodge ram, what kind of mileage do they get hauling heavy load?We Answered:it will get 12 to 15 miles per gallon and if you stay at about 65 it will get better gas milage and you need cargo insurenceRoberto Said:What is the best car for me..?We Answered:Skoda Fabia Estate? German (Volkswagen) build quality and a good all round car. Not sexy by any means but it will get the job done....
Ann Said:Should I lie to the insurance companies?We Answered:Wow, how proud would your dad be, of you being dishonest?? Can't help but wonder.
So, if you think someone else is dishonest, it's ok for YOU to be the same way?
Personal insurance isn't ALWAYS cheaper than commercial insurance. So there's one issue there. Secondly, if the vehicle is titled in his personal name, he COULD likely put it on a personal policy, with "Business Use" as the class, and that wouldn't be lying.
Thirdly, if the vehicle is titled to a business name, which gives some financial advantages,...
Daryl Said:How do I put a hold on commercial transportation insurance for up to a month?We Answered:Get in touch with your Insurance Agent. Explain why you want to do it. It has bee my experience that you would have to prove that the vehicle was not on the public roadway. If you are having work done on the vehicle, get a letter from the repair shop stating when the work is to begin & when the work is expected to be finished. You may be able to put the BIPD & Cargo on hold, but don't put Comp. / Collision...
Rodney Said:i heard this beautiful song on tv and i need to know who it is?We Answered:It is sung by a Hawaiin man that has been dead for 9 years....I have his CD....bought it in Hawaii....His name is Israel Kamakawiwo'ole...they called him IZ. His rendition of Somewhere over the rainbow/What a wonderful world is on the Cd titled Facing Future....
website www.moutainapplecompany.com
He probably weighed 700+lbs and he and he has the sweetest voice. Hope this helps! Great she one upped me with the video....Well anyway...you've been enlightened.Karl Said:insurance for a taxi?We Answered:No. Taxis need livery, or public...
Keith Said:Help! Freeway accident. . .?We Answered:You most likely will be found at fault and your rates may go up but just be glad you had insurance. Simply let Allstate handle the entire matter. Sit back, relax and quit worrying. Accidents happen !Ellen Said:Is there any way to report a bad commercial driver?We Answered:As stated above call the trucking company but its your fault and I don't see what really will happen......
Gordon Said:i was on my way to work yesterday, clearly passed the intersection and was hit by a truck making a left turn.?We Answered:Most insurance companies depending on you have will subrogate against the other parties insurance if they make any type of pay out to have your car fixed. This may include your ded, and then again it may not.. Its not always a guarantee they will be able to get the money back, or how long it will take... Now if you have rental coverage on your policy then you would be able to use that, if ...
Jimmie Said:How do I get clients for my security guard company?We Answered:Happy to throw in my opinion, which does not agree with much of the info you have already received. I am a P.I. and have owned a Private Security company for a little over 10 years. I also do the patrol and response work myself. When I take a night off, have special temp assignments, or need another car out, I only use off duty Police Officers. So, I understand your position well.
It sounds like you have a good basis for a successful company. Here are a few tips...
Bryan Said:Is It Any Wonder That So Many Are Against This Reform Bill?We Answered:Health Care is the most important issue.The Re pubs are doing whatever they can to stop it.There constant lies and misinformation keep going.The gullible believe anything This is a form of brainwashing .I agree, they are fighting against their own best interest.Maybe there not in that place yet to understand.Going against Obama because he is fighting for THEM,makes no sense.Naomi Said:Where do they Get All The Cash To Lobby our Congress?We Answered:Why, I'm glad you asked! They get it from US--from our insurance premiums, from dropping...
Sherri Said:If you file a truck insurance claim and stop paying the premiums, is the claim still valid?We Answered:I would keep paying. Why ?
1. Because the truck may be recovered.
2. The thief may be involved in an accident with YOUR truck.
3. If it is not recovered, any premiums paid or any credit left on the policy at the time (actually one day after the theft) of the theft will be returned to you.
4. I would accept their offer. It won't likely get any better by...
Ricardo Said:My car was hit while parked. How do i get a rental if i only have liability insurance?We Answered:If they have told you to rent a car and get paid back -then that is how they chose to handle it.
Something to keep in mind- do not rent a nicer car than you have. If you own a subcompact then rent a subcompact - not an suv. They won't pay for you to get a larger car than yours.
Also, the rental company will probably require you purchase a damage waiver for the rental car. The other company insurance company...
Karl Said:Who provides the best commercial straight truck insurance for Independent Contractors?We Answered:Not enough information. Are you long haul trucking? Bobtail? Deadhead?? Which state are you in? How far do you go?
Not all companies write in all states. Depending on the type of "independent contracting" you do (trucking? Or are you an electrician?), some companies may or may not be willing to write you.
Bottom line -you have to buy commercial insurance, through an agent or company licensed to do business in your state. Even Progressive won't sell a commercial...
Bobby Said:need the names of insurance companies for commercial trucks...NOT brokers...thanks?We Answered:Take a quote here http://www.best-american-insurers-free-c… and when they give you the prices you'll have all companies that are offering the cover.Warren Said:What is the minimum liability requirements (commercial) for trucks weighing 10,001-26,000 lbs. in California?We Answered:Try getting an online insurance quote It's free and quick to do. http://www.goodinternetdeals.com/Auto-Insurance.html...
Samuel Said:Can my husband's employer require us to name them on our auto insurance?We Answered:Look at it this way, if your hubby kills someone accidently, and is sued, the person named as the insured, and any other names are liable for liability, they are adding that they accept that they will also be sued in such a case, to me, thats a protection.
Call your own insurer, and ask how much to upgrade the insurance. Discuss what has, and is now going on, and ask a pro, whether this is a job he may want to replace with another one,...
Jill Said:New supreme court ruling by the Con majority paves the way to allow the Republicans to out raise Democrats?We Answered:I can't stop laughing at all these Demotards who think Big Business would actually support the cap and trade; health care tax to oblivion party....
Leslie Said:Has anyone ever started a franchise? What types of people are needed to?We Answered:You have enuf people. You need to protect yourself, tho. Some franchises sell too many. You buy a sub shop and find 3 others from the same company opening within 1 mile. That has been a major complaint.
Some companies insist that they find the location. That is not ok. You can not turn that over to them. A bad location will cost you your entire investment.Dorothy Said:Has the liberal media reported how the Democrats mislead you?We Answered:Most of the media is in bed...
Joan Said:6 Years no claims bonuses not accepted on my next car.?We Answered:yes unfortunately this often the case..they will turn private car to commercial but are reluctant to change back!!The best thing to do is call a local broker, they deal with companies that will do this!!I myself work in the insurance industry and i do no that if the agent tries hard enough they can pretty much do anything for you!!Brokers deal with companies that the general market do not, im sure you will get sorted this wayTheodore Said:i was hit from behind in my partners car?We Answered:Check your...
Stephanie Said:Do I need to know anything special buying a Step Van?We Answered:Regular dr. lic. is fine (( what state do you live in at )) probably best to use a garage that has a tall door and a phone call to the inspection place you want to use is easier than the drive to the mechanic store. ...
Jenny Said:CARGO VAN COMMERCIAL INSURANCE?We Answered:No way of knowing, it's going to depend on which coverages are on which policy.
One thing I'd recommend checking, is how that cargo van is classified. The cheapest rate, is SERVICE use. But if it's really service use, it's probably cheaper to insure it in your personal name.Jack Said:I have a 1999 Plymouth van and want to start a courier business. Is commercial insurance expensive?We Answered:Yes, if you're NOT going to residential homes, the liability alone on it usually runs about $4,000 a year. If you go to residences, dropping off or...
Wendy Said:Freelance photography for insurance companies?We Answered:Sounds scammy to me....
Insurance adjusters are usually professional people, who know how to asses damage and put a price tag on it. Taking pictures is their responsibility, and it requires no skill as a photographer. All they need is snap the photos of damages to include them into file, and to use as evidence in any disputes if they arise. I've never seen an insurance adjuster accompanied by a photographer, nor a photographer without an adjuster...
So just $20 for a nice job requiring no skill or serious equipment... Doesn't it sound a bit too...
Samuel Said:Is this insurance company jerking me around?We Answered:The insurance company has millions of policies.
With out the name of their policy holder or the complete policy number -- they can't locate the policy for the vehicle involved.
The insurance company can't search by drivers license nor license plate. Most systems can be searched by their policy holders name (which you don't have) or complete policy number (which you also don't have). Can't search by a license plate or a drivers license.
It's ok to exchange info....but you screwed up. You should have gotten the year,make,model, plate number, vin of...
Melinda Said:Is this any good? I need help on becoming a good or at least decent writer?We Answered:Haha, funny! The beginning's kinda ghetto though, but what do you expect? You're talking about your car!
Overall result: 9/10 Loved it haha...
Tony Said:Anybody know anything about insurance?We Answered:Yes, you run the risk of being responsible for back premium if there's something not correct on your policy. Also be aware that a phone quote is not final, eventually you'd need to review the final details and paperwork and I'd wager that's when you'll see the error - and either have to say something at that time or sign off fraudulently on a legal contract.
Other than the VIN, verify the driver info (age, address, marital status, license #, record), employee info, mileage classification, liability LIMIT (is one agent quoting state minimums and the...
Gerald Said:what's the cheapest commercial vehicle insurance broker?We Answered:Try this site
usainsurancequotes.net
Here you can compare quotes from different companiesJessie Said:How can I get commercial vehicle insurance?We Answered:Call a local independent agent. Independent agencies will have multiple markets to shop you to. You can also try direct write companies like Allstate, Farmers etc. Who does your personal insurance right now? Give them a call first and see what they might have available.Marion Said:Question about insurance on commercial vehicle?We Answered:Years and years ago, my dad had a Ford F150 register and insured as a commercial vehicle. He was a lobster fisherman. ...
Anna Said:Quinn-Direct insurance NCB question?We Answered:I don't think so - motorcycle insurance is different from a private car (you know - 4-wheels good, 2-wheels bad), so you wont be able to use your motorcycle bonus.
BTW - please READ the QD policy.Kenneth Said:Where can I find Unusual Car InsuranceWe Answered:considering this is the 10th august, you have already sorted this or you have driven the wole of june and july without an insurance.
But if you are talking about next year, my advice would be to find other tour operators (better if this is in France) and ask them who they use.
Joan...
Nancy Said:Commercial Vehical Insurance Minimums?We Answered:You need to check with your Ohio DOT.
In Texas, ANY vehicle with a GCVW of 26,001 or over, requires a MINIMUM limit of liability of $500,000 Combine Single Limit (CSL) liability. If you cross State lines, normally a minimum of $750,000 CSL liability.
If you are hauling hazardous materials, the limit is higher yet.
Good luck and I hope this helps!Seth Said:Can you answer this question about my commercial auto insurance app?We Answered:Service is a vehicle that you use to get to and from a job site. The vehicle itself, isn't used in the...
Warren Said:The government can’t control healthcare right?We Answered:I agree America could use the peace of mind of a full coverage universal health care...
But I am some what in between... I don't believe someone who smokes or is hugley obese should be covered. This is on the most part a choice, not a accident or due to aging. Just as someone who commits suicide should not get life insurance.Stephen Said:US HISTORY HELP SOMEBODY PLEASE!!!?We Answered:This is ridiculous. In the time it took you to type out your homework questions, you could have looked up some of the answers yourself.Daisy Said:Can you...
Charlotte Said:What can be done if I suspect an insurance company made a decision of liability without adequete investigation?We Answered:That's why you should have had a viable insurance company to fight for you - this is a case of "Property damage" Nobody has be at fault for "property damage" caused to your car by another car. You'll need an attorney - get one fast!John Said:Is it usual for a small company to take on Directors' Liability Insurance?We Answered:Directors and Officers Liability Insurance cover protects companies’ directors, officers and senior managers against claims arising from their decisions...
Willard Said:how to find if a company has liability insurance?We Answered:If the company filed bankruptcy and they owed you money, you can't claim it against their liability insurance policy. You will need to get in line with all the other creditors and make your claim through the bankruptcy process. There should be a public notice for the filing that will tell you where and how to file a claim, and by what date as well.
As to who their insurance is through....this is usually not disclosed and is hard to find out....
Theresa Said:i am looking for company insurance for my Ltd. scaffold company i.e public liability etc. etc?We Answered:Why are you asking here instead of asking an insurance expert like a local broker? Pick up the Yellow Pages and call someone who can help you....
Jane Said:what do I do here.................?We Answered:Wow; looks like you swallowed all the koolaid in one gulp! Yes; Primerica is definitely a scam. I am a veteran financial planner, the CEO of the nation's largest nonprofit financial advisory organization, and I'm ashamed to say, a former Primerica agent.
You said it yourself; Primerica has fine, but tremendously overpriced, term products. Unfortunately, you've bought into the lie that it is a positive thing that they only offer term life products. Term life insurance is appropriate for the lion's share of most person's life insurance needs, but there are...
Johnnie Said:How do the different categories of employers compare in regards to the salaries paid for the same position?We Answered:Salaries are not just based on Job Descriptions, but demographic locations. Someone in Tenn. will not make as much as someone with the same job in Washington D.C. for example....
Bradley Said:How to determine ownership % in a tenancy in common?We Answered:Generally, you would want to base ownership at the % of financial involvement of each party. This can get complicated if this is different for the down payment versus allocation of monthly costs. So, to answer your questions:
1) % based on initial investment as proportion of the whole
2) Split everything the same way as in #1
3) Speak to an attorney to have a partnership agreement drawn.
I assume from the tone of your question that this property will be a rental. If it has...
Gina Said:Does America need more of this from their private health-care insurers?We Answered:no we don't. Any fool can see what's going on. When these people get purged they go to Medicaid and the tax payer pays for it. The same tax payer who says he doesn't want to pay for government health care, is already paying for government health care.
EDIT...23 min. and the single payer opponents don't have a comeback.Martin Said:Why is the Kevin Federline commercial offensive?We Answered:i worked fast fod in high school so... critics say its offensive because it conotates a fast food loser who wont make something...
Dave Said:Small Business vs W-2?We Answered:The above answers are not 100% accurate as if you become a corporation, such as an S-Corp, your will end up having two tax returns to file, one for your personal income (the income your corp pays you either W-2, 1099, or as dividend) and your corporate tax returns. Expenses from your corp do NOT go on your schedule C of your personal return.
There are MANY advantages of being self employed or being incorporated. There are so many deductions you can write off being incorporated and also corporate dividends are not subject to FICA...
Marshall Said:Where can i find the cheapest general liabilty insurance for my construction business?We Answered:Contact a business insurance agent. That's what they do well and it is their business. Contact more than one if you want.Carlos Said:Construction Business?We Answered:I would start with asking your local chamber of commerce... they should have a list of what you are required to have.. but insurance is something you should have whether its required or not... CYA.. also.. here are a few books that will help in your quest for a legit business...Jessie Said:Any advice on small business construction insurance?We Answered:Residential/Commercial insurance...
Jennifer Said:Why are private insurance companies being demonized?We Answered:Because liberal ideals are not acceptable on their face. Liberals MUST find other means, like this one or intimidation or name-calling to get people to listen to them.
Why do you think there aren't any nationally ranked liberal radio talk show hosts and everyone is fleeing CNN and MSNBC? Americans hate liberals and don't want to hear them. We tolerate them because we're good people. If we were Muslims, we'd be beheading them every day after dinner.Samuel Said:Home Business?We Answered:The resources below will help answer your questions, keep in...
Henry Said:What is the average cost of business insurance in Portland, Oregon?We Answered:$1,082.66
Even if you could figure out the average business insurance cost paid by a business in Portland it would be a meaningless number.
What is your business? Are you doing roofing, gas installation, demolition or do you operate a Hallmark card shop?
Do you have employees? How many?
Do you offer health insurance?
Will you need errors & omissions coverage? (i.e. physician practice, CPA, real estate agent, attorney, insurance agent)
Do you own a building? Do you have more than one location?
Do you carry inventory? How much?
Do you have owned vehicles?...
Jeremy Said:My father wants to open a trucking company any advice on how to go about doing so?We Answered:Go to score.org and in the upper left hand corner, enter your zip code. On the next screen, you will find the SCORE chapter nearest you. Call them and arrange for a free meeting with a SCORE counselor.
SCORE "Counselors to America's Small Business" is a nonprofit association dedicated to educating entrepreneurs and the formation, growth and success of small business nationwide. SCORE is a resource partner with the U.S. Small Business Administration (SBA).
SCORE was founded in 1964 and is headquartered in Herndon,...
Bob Said:Help with insurance - public liability and employers liability?We Answered:Unlike employers liability insurance which is a required cover by law if you employ any staff, public liability insurance is not compulsory but is usually considered a key cover for companies looking to protect themselves against unexpected claims that can put the future of the business at risk. Public liability insurance should be taken out by any business that deals directly with the public or works away from home at other premises.
Employers liability insurance enables businesses to meet the costs of compensation and legal fees. Employees injured due to...
Joel Said:Can you get a house re-appraised if you didn't like the first guy's answers?We Answered:Is it truly classified as commercial property? Perhaps it is being classified as Owner Occupied Investment Property. This means that you will live there as your primary residence, but it's also investment because you *could* rent out the other side.
Different guidelines for commercial vs. investment property. Either way, there will probably be a rate variance because it is not just a plain 'ol single family residence. She should shop around with other lenders to see if she can...
Don Said:Nationwide Insurance Commercial?!?!?We Answered:he is blind, that's why he had the dog and that's why his eyes weren't staying in one place. He isn't mentally handicapped and he wasn't being put through embarrassment he was just making a commercial and talking to people, the only one that should be embarrassed is you for not getting the whole seeing eye dog situation. And who cares if he is handicapped, that doesn't stop him from answering phones and helping out people. get a life and stop being so ignorant.Vernon Said:What are the first steps to start a Commercial office cleaning business?We...
Toni Said:Which one is the most likely to happen?We Answered:all of the above - this country is in deep doggie doodoo!
#6 is happening in CA. The @ssholes are still talking about raising taxes, even after the special election where 2/3 of the voters told them to "go pound sand!"Alfredo Said:Being a Pharmacy Specialist?We Answered:i am thinking.. give me a minute..
you have the right category. this sounds like a bad marriage. someone having the ability to really suck the life out of you..
**NEW ADD** you have a very incredible scenario here.. i would post this everywhere! ...
Erin Said:How can I set up my own insurance business?We Answered:I am going to guess you are a 2-20 based on your comment about Home insurance. It is recommended but not mandated you at least work for an agency for about 1-2 years to get a general idea of how the market and insurance works.
Reason is I mentored many licensed agents who were wonderfully book smart but life does not imitate the classroom. Your class work and tests were based on the legal statutes but it is in no manner reflects the functionality of how you interact with...
Jo Said:If you live in Florida, is your home insured by MetLife?We Answered:From an insurance point of view I understand why so many insurance companies have pulled out from places like Florida because of the high rate but check into the surplus and excess line for insurance I'm sure some insurance companie is still going there might cost a LOT more but at least you have insurance...
it is always good to have your home and auto insurance with the same company more of a discount...
Rachel Said:recording a phone call?We Answered:If you record him there must be something notifying him that the phone conversation "might" be recordedKyle Said:Please Rate My Resume:?We Answered:i will give you a 9.5Gloria Said:Getting into good public college university?We Answered:You should be able to get into Temple, but probably not Pitt. If Pitt is your top choice, then you should go for it anyway, but apply early admission so you'll know by Christmas whether or not you're in. Wake Forest and UNC are probably not options for you -- your grades and test scores are too far below their...
Valerie Said:What info do I need before I get Commercial insurance?We Answered:It would be a real estate lessors risk policy.
Most companies dont insure vacant buildings, so youd probably have to get it once you have tenants there, or at least an agreement showing that you will be getting tenats.
You need to give property information: year built of warehouse, square footage, # of stories, alarm?, sprinkler?, roof type, garage/parking style, type of tenants, estimated annual income/rents collected,
corporation/individual business? building updates?
If you are closing escrow, you can have the insurance company bill the escrow for the premium for the first year.
...
Jean Said:Do you agree with the theory that George W. Bush is responsible for the current economic crisis?We Answered:nice try, but no. Clinton Said:coragryph the lawyer said no one is above the law coragryph explain how Quarter Ton of Marijuana Equals Free?We Answered:Only Bush is "above" the law -- because he has manipulated to system to get complete immunity.
Other people can EVADE the law -- mainly because they have enough money or connections to abuse the system.
Sometimes it's a matter of corruption, as you point out. Sometimes, we simply choose not to allocate enough resources to prosecute all the lawbreakers,...
Clyde Said:Could everyone agree on something like this for health care reform?We Answered:I do not agree with your unacceptable part! If President Obama was really concerned about health care reform, he would have talked about Tort Reform!! But then he would have alienated almost every Democratic Lawmaker, since they are MOSTLY lawyers. Instead of choosing a REAL debate on health care, he chose politics instead of integrity! He is not leadership skills that we need for this type of debate. So, your argument is based on half--truths... Medicare & Medicaid are destroying Gov't finances. Universal health care was tried in...
Bobby Said:Seriously, are you sick and tired of car insurance commercials?We Answered:I was afraid if I clicked on this it would be an advertisement and then the rest of us would have something to whine about all day.
But yes. The little Gecko coming out of the shower wrapped in towel saying, "Stop calling me!" was cute. But enough already.
Do those cavemen ever remind you of people you know??? That happens to me all the time.Jenny Said:does anyone else heart Flo, the progressive car insurance commercials?We Answered:those commercials are sooo stupid!...
Ryan Said:Who will win the funniest insurance company commercial war? Geico, Progressive, Safeauto, E-surance, Chase?We Answered:I think that Geico from insurance companies . they are funny with the caveman and the lizard . the song on one of their commercials is so funny!Stanley Said:A funny Car Commercial?We Answered:.
~_~.
amy_mari--
YES...I remember that commercial. CUTE.
Sorry tho, I'm not sure what your question is exactly..??
Could you perhaps go to {edit} and add some detail?
If it helps at all, I don't recall who the Commercial was for or anything, I just remember...Yeah!! That was Cute when they were singing. Like did it end in a...
Steven Said:Do you HATE the Progressive insurance commercials?We Answered:Not particularly, but I DO dislike the fact that Farmer's Insurance does not actually insure farmers.Peggy Said:What is the name of the insurance that had the funny and stupid commercials?We Answered:Nationwide
If I was that guy I would have scratched an LEY on the end of BRAD and said... oh wait!!! it does say BRADLEY. My bad.Dianne Said:Why does insurance commercials have to be funny?We Answered:Because basically all insurances are alike and they all cost generally around the same price. So in order to pull in the consumer they have to...
Courtney Said:General Business Insurance cost?We Answered:The minimum premium on most small Business Owner Policies (BOP) is $500. If you want something more accurate, please give type of business, sales, location etc.
I see you've added extra info. Since it's a retail store it will fit well into a BOP form, but will likely be more than the minimum, maybe closer to $1,000. The building construction will help you, masonry has cheaper rates than a woodframe building.Marcus Said:What's the different between insurance and bond for a small general contractor business?We Answered:Insurance is usually to insure your business...
Ruth Said:Where can i get a General Liability Insurance Policy?We Answered:Not too many insurance companies will work with you if you mention the word temporary.
You might try Farmers. You might need a broker that can shop many companies for you and find you one.Jeanne Said:Which insurance companies offer business insurance for roofers in Texas? General Liability Ins. is needed.?We Answered:Well, with a new business, you're not going to find anyone who will write it directly. You're going to need to go through a local, independent agent. They'll get a few quotes.
You'll probably end up with Scottsdale Insurance,...
Glenn Said:How many IFAs re their in the UK. And how many general and commercial insurance brokers?We Answered:Way too many to list here, sorryYolanda Said:Who is the Redhead actor in the commercial for "The General Insurance"?We Answered:Tommy Carl...
Jose Said:What is the difference between Workers Comp and General Liability insurance?We Answered:They are wildly different, and GL excludes workers comp exposures, while WC excludes GL exposures.
GL covers you, if someone else sues you, for something you did, that caused them damages. WC covers your employees, on a "no fault" basis, for injuries they get in the course of their employment - it pays medical bills and lost wages.
You will have to ask your GL carrier if they'll give you a comp policy. It's based on payroll and class code, and if you're the only employee, the...
Bill Said:average general liability insurance limits for small business in nevada?We Answered:How do you average an accountant, and a neurosurgon's office? You can't.
It's probably going to be somewhere between $500 and $500,000, depending on a huge variety of factors you didn't mention....
Lewis Said:How would I go about starting a small construction business in Mississippi (1 person being me)?We Answered:Go to HTTP://www.score.org/ and in the upper left hand corner, enter your zip code. On the next screen, you will get information on the nearest SCORE chapter. Call them and arrange for a free meeting with a volunteer SCORE counselor. They will guide you through the process.
SCORE is a nonprofit association dedicated to entrepreneur education and the formation, growth and success of small business nationwide and is a resource partner with the U.S. Small Business Administration (SBA).
SCORE has 389 chapters in locations...
Julio Said:How much would it cost for 3-5 million dollars General Liability Insurance?We Answered:You're not going to GET a ball park on the internet, that works. I'm assuming that these chemical plants and refineries are in the oil & gas industry - making them VERY high risk, and making YOU very high risk, too - if you mess up, the company will PROBABLY be paying out the whole $5mm in a fire damage claim.
So, you need general liability. With those gross sales, I'd expect it to be between $5,000 and $25,000 the first year. But...
Lynn Said:I would like to learn insurance?We Answered:Get your license right away. Go take the classes that your boss is going to pay for. They are pretty easy. Being that your company handles both P&C and Life, tell them that you want to get both licenses. This will make you more valuable. I think I did my studying through Dearborn, but there are several good companies to use.Kristina Said:The type of insurance that provides protection against a type of customer-oriented risk is...?We Answered:My answer would be C. Business Interruption Insurance.
Here is my reasoning:
If...
Leona Said:What is the going rate for a small (under 20 employees) Security companies general liability insurance?We Answered:Generally, it's based on your payroll - it doesn't matter how MANY employees you have, it matters what the payroll is.
It also matters where they're working, the hours they work, the circumstances, and if they are armed.
The premium is going to START at $2500 for GL, and go up from there. Don't forget to get workers comp, while you're at it....
Neil Said:How much is a basic 2 million dollar general liability insurance policy for a security guard company?We Answered:OK, you need two policies - the general liability, AND the workers comp.
Pricing is determined by a combination of gross sales, gross payroll, WHICH hours they work, where they work (retail strip mall, or behind a fence at a power plant?), if they carry weapons or not, and a whole bunch of other things.
Plus, your 2mil, is that the occurrence limit, or aggregate limit?
Bottom line - you're not going to get an accurate quote here. You'll have to provide TONS...
Glen Said:I have a small office cleaning business, will my customers ask for proof of my auto insurance?We Answered:I can't think of a reason they would need your auto insurance. You're not using your car to clean their offices.
However, if you don't have auto insurance, you need to get it for your own protection. You don't want to risk losing everything you've worked for in a lawsuit should you have an accident.
The liability is to protect them from any damage you might do or cause in the course of your work. Obviously, you need to do everything...
Kenneth Said:Car Insurance for young people?We Answered:It depends more on the sex, where the car is driven and stored (street, garage, etc), age of the person, the type of car, the security device in the car (lowjack, onstar, etc), and sometimes color too(red cars espeacially), also marital status(single, married, divroced, etc). Insurance would cost more for a male than a female mostly. There are many other factors to consider too, but those are just a few to name.Steve Said:How much does worker's comp cost for an athletic company?We Answered:Depending on your state, you could call their version of a state...
Ronnie Said:Estimated Quote for insurance?We Answered:19.99.. but wait! if you order now, we will throw in " how to plan your funeral" for free!!! thats right, FREE! a 49.99 value, only reedemable with a coupon and 20 pats on your head while you do jumpin jacks... nakedJudy Said:i got an insurance quote for a 1990 mustang gt at 225 a month. im 17 how do i get lower?We Answered:A few options, your age is going to keep it up so there is nothing that you can do there, the only thing you could consider is buying an older fox body...
Mae Said:Does anyone on here have "General Liability Insurance" ? Was it hard to get and are you paying too much 4 it?We Answered:Depending on where your friend lives, the insurance shouldn't be too expensive. With my company (State Farm) the rate is determined based mostly on experience in the field.Kimberly Said:general liability insurance?We Answered:Why would "a few of his employees are no longer covered under his"? Did they become independent contractors? Is the company no longer insured? Regardless without knowing what you do the question is impossible to answer. Contact several local insurance brokers and inquire with them....
Tammy Said:Small (family) Business taxes and payroll help!?We Answered:You have admitted that you are clueless here and half of smart is knowing what you are dumb at. Check out a local bookkeeping service and retain their services for what you can't do yourself and spend your time doing what you are good at. The price you pay will buy peace of mind and save your sanity.Victor Said:Liability Insurance Cost for Babysitting, House-sitting, etc.?We Answered:You're going to have a hard time blanketing those three risks together.
If you were trying, EXCLUDING molestation and abuse, you're probably looking at...
Billie Said:What is the cost of general liability insurance for a small sole proprietorship?We Answered:Interior designer, including professional liability, inland marine coverage for the 'stuff' you buy for your clients, etc, should run you around $4,000 a year for a package policy, NOT including auto or workers comp, IF your gross receipts are under $150,000 a year.Clifford Said:How much does general liability insurance cost?We Answered:Well, depending on the type of work you do (no roofing or painting, etc) it's probably going to run you about $750 a year. You might as well get $1,000,000 of coverage - I bet...
Leo Said:what does a commercial insurance certificate in the state of Georgia look like?We Answered:OK, on that visualizing fake certificates . . .I've SEEN them, and I know they're out there.
MOST companies use Accord certificates of insurance. BUT, you see, the AGENCY name is on them with a contact phone number, so whoever it is that gets the cert can check it. Of course, it lists the policy numbers, coverage amounts, effective dates, and carrier name - someone else to call and verify.
Then the bottom section has the "holder" provision - the person getting...
Amanda Said:Do I need business insurance for a student window washing business?We Answered:Every business should have General Liability insurance. If you do something that causes somebody to think it is your fault, an insurance company insuring your business will do the following:
1. They will provide legal defence for you. Attorneys can be very expensive.
2. They will pay for any of your wrong doing covered by the policy up to the limits of the policy.
3. Give you peace of mind that if you do get sued you will not lose your financial life.
If you...
Carole Said:What is the penalty for driving without liability insurance in Tennessee?We Answered:if you can't afford insurance, you can't afford to drive
i think the penalty is lifeAmy Said:Who is the best suited company (cheapest) to get public liability insurance of to get me started?We Answered:Hire a business lawyer and ask them. Not all insurance companies are available everywhere. The lawyer will plan everything out for u.
Good luck and PLEASE dont open a McDojo.Wayne Said:Where can I get liability insurance for my dog?We Answered:PetSmart carries insurance for petsDarryl Said:What is the difference between liability and causalty insurance?We Answered:Liability is one TYPE...
Rodney Said:Health Insurance?We Answered:I actually work at eHealthInsurance.com (mentioned by one of your other readers), but no, the commercial in question was not ours. However, I might be able to give you a couple helpful tips.
First of all, I would be a little suspicious of broad statements like the one you heard. It’s not that the price quoted is necessarily false, but it doesn’t tell you much about the kind of coverage they’re offering.. Living in New York state, you cannot be turned down for coverage based on your medical history (in other states you could be),...
Gene Said:Small Home-Based business insurance?We Answered:You can get a Business Owners Policy (BOP) that will likely run you no more than $500. Your homeowners policy may provide some coverage, but the BOP is best. Many carriers will sell a BOP policy.Salvador Said:Can a person deduct healtcare insurance premiums with a home based business?We Answered:If you are self-employed and had a net profit for the year, you may be able to deduct, as an adjustment to income, all of the amount paid for medical and qualified long term care insurance on behalf of yourself, your spouse, and your dependents.
The...
Fred Said:Home Business & Insurance?We Answered:Well, it's up to the homeowners insurer. Most, for that kind of business, as long as you have a seperate GL policy, will ask you for a copy of it, and happily keep writing your homeowners insurance. Some still won't want to write your homeowners policy. It's up to the individual companay, and their underwriter, to make that choice.
No, having that business there does NOT "automatically" mean you need a commercial policy, with the type of business you have (no foot traffic, and no hazardous business property on site).
Regarding...
Colleen Said:how much is commercial insurance in Virgina?We Answered:How long is a string?
There are about 500 different KINDS of commercial insurance, with an infinate number of limits.
You'll have to be way, way WAY more specific....
Virginia Said:Best state to incorporate?We Answered:The best is Delaware by far, followed by Nevada and Wyoming.
go to this site http://www.thecompanycorporation.com for further advice.Edna Said:Average Salary for ACSR Licensed Agent?We Answered:I can hire a commercial CSR with a license, less than two years experience, for about $20,000 a year.
If you're an experienced commercial CSR with a license, and 10+ years experience with large commercial accounts - six and seven figure revenue streams - you could be bringing in $80,000 +.
Most small agencies aren't going to pay very much. Again, www.salary.com will give you a pay...
Samantha Said:Do you think that Obama is really an honest politician?We Answered:He's as honest as Faux News is creditable and report legit news. Man, everyone lies and no one is perfect. You are a typical Obama-hater. SOS..Same old shi... from you....
Johnnie Said:How does one become an Independent Agent if the life insurance and annuity business?We Answered:In order to sell life insurance, you would need a life license.
In order to sell annuities, you would need a life license and a securities license.
I'm not sure how the commission structure work for all insurance companies, but I believe you do need to put in a certain amount of premiums in a month in order to upgrade your sales level. Well, that's what I was told when I was interviewed by several insurance and financial companies.
When a company markets other companies products, this is...
Jacob Said:How much is insurance for a small business?We Answered:There are too many variables to just pull a premium rate out of thin air.
What kind of business? Where is it located? What type of construction is the building? Does the business own the building? How many employees? Will it be incorporated? How much is the expected gross earnings the first year? Will the company own vehicles? If so, age and driving records of all drivers? Will the business be selling a product or service, or manufacturing a product? What products or services? In what fire class is the building located?...
Craig Said:is this adress true/501 king street north waterloo on canada for?We Answered:check this in
http://maps.yahoo.ca
http://www.411.ca
if the adders it true yahoo will show map
and 411.ca may give you phone numbersRoberta Said:So why are the Big Health insurers against Canadian style Health insurance?We Answered:Take a look of the HMOs CEO salaries and you will know why. It is 1996 figure. The HMOs are so powerful these days and they pay a lot of money to radio talk show hosts to.........
The 25 Highest Paid HMO Executives 1996 Annual Compensation
Exclusive of Unexercised Stock Options
Stephen Wiggins, CEO, Oxford Health Plans, Inc. ...
Jill Said:Where should I get liability insurance for my DJ business?We Answered:Well, the minimum premium for this sort of thing is going to be about $600. You won't find it for less than this.
The reasoning - to cover the expenses of issuing the policy in the first place.
Just like, say, you charge $400 to DJ a party for 4 hours. That's $100 an hour. If someone says, ok, I only want you for 15 minutes, do you charge $25 for that? No, because it's not worth your time &...
Morris Said:Online Auto Insurance Quotes, are they really safe and accurate?We Answered:Hello Beth,
In order to receive an accurate quote for auto insurance personal information such as address, date of birth, drivers license number, and social security number are required. This is exactly the information identity thieves need to destroy your financial credibility. Another concern is unwanted solicitors contacting you. It is completely unnecessary to receive an accurate quote for your car insurance by submitting this information online. It does indeed make perfect sense to make contact with an insurance agent in person or on the telephone.
When contacting...
Bruce Said:Is the girl from the Education Connection commercial the same girl in the Progressive Insurance commercial?We Answered:http://www.imdb.com/name/nm0183960/other…
They look nothing alike.Lucille Said:Do you think the Progressive Insurance girl is sexy?We Answered:Yes, I'm a fan. She's talkative without being whiny. She's personable without being overbearing. She's got a great sense of humor and doesn't take herself seriously--she even admits that she becomes overly emotional/expressive (about her employer). She's also got a retro kind of look going on, with an easy smile and genuine concern for other people (yeah, I know it's an act, but you asked...)Andrew Said:What...
Kurt Said:What is that song on the Allstate insurance commercial? The one that talks of people dying in accidents.?We Answered:From where you are by Jason Wade of Lifehouse
http://vids.myspace.com/index.cfm?fuseac…Kathy Said:I have 5+ years working as an insurance producer/office manager. Any ideas on possible jobs utilizing my exp?We Answered:Your options are to open your own office or go to work for a similar position.
You might repost your question again under 'careers".Julio Said:All State Commercial Song?We Answered:"From Where You Are" - Lifehouse
Here are the lyrics:
So far away from where you are
These miles have torn us worlds apart
And I miss you
Yeah, I miss you
So...
Willie Said:Does anyone know of a professional translation service I could use at my workplace?We Answered:I understand the importance of having a professional translate your documents. Working for a leader in the health insurance industry we as well need this professional service. I would recommend checking with a company by the name of Language Line.
www.languageline.com --You may want to check out their website tomorrow as it looks like their server may be done. May be because of the holiday.
Language Line provides translations in over 170 languages. We have had a long lasting business relationship with this company and have...
Phyllis Said:Do you need title insurance for a commercial property?We Answered:Title insurance is always a good idea. Before a Title Insurance Company will issue a policy, it will research the property to make sure there are no outstanding claims against it (tax liens, previous owners claims, trusts). Without this, you take a chance of someone making an expensive claim and then you would have to pay them off.Eric Said:Why do insurance companies make you get a commercial property policy when you own a lot of houses?We Answered:Veda P, Home insurance is actually very flexible. I don't understand all...
Kelly Said:how do you become a licensed truck/auto insurance agent fot the state of california?We Answered:You go to the California Department of Insurance website, and look for Producer Licensing. That will explain what you have to do to get the license.
THEN you have to find an insurance company willing to let you sell their insurance. Good luck. They don't appoint "green" agents with no experience. The best way to get experience is to get hired as a CSR at an agency.Elsie Said:commercial vehicle loan?We Answered:Insurance is not a guarantee to pay back the loan....
Heather Said:Who is the Blonde looking for better insurance rates in the progressive insurance commercial.?We Answered:That's a very intelligent "insurance" question. Get a life.Bruce Said:Why isn't American Family Insurance as popular as other insurance companies like Allstate and Geico?We Answered:It's not so much an issue of popularity as it is size. Amfam is considered a "super regional" company. They write insurance in only 18 to 20 states. Both Geico and Allstate write insurance in 35+ states each. So it is natural to see/hear less commercials for amfam....
Rita Said:How would an insurance company stay in business if there was no limit to its coverage?We Answered:I completely agree. Can you imagine if an insurance company was forced to take on all customers with preexisting conditions . They would fold literally over night. Insurance is for unforeseen events, not to cover events after the fact. How can liberal expect insurance company's to stay in business when they are forced to cover hundreds of thousands of dollars in medical cost and only charge the client who's bills their paying a small premium each month ? God bless.Gertrude Said:Why do libs...
Willard Said:Insurance company commercial?We Answered:Liberty MutualKurt Said:What insurance company does this commercial?We Answered:I believe that was Allstate...
Keith Said:Does anyone know a good insurance company for general liability for a non profit organization?We Answered:I am not exactly sure how big your organization is, but it is vital in the event you want to protect yourself and any directors. You should also have in place in your bylaws an insurance action plan.... I have included the link to the best place and a place to get a mock plan to implement. Sadler & Company, P.O. Box 5866, Columbia, SC 29250 or call 1(800) 622-73Kristina Said:What to do if insured won't answer phone from their own...
Karen Said:small business insurance ? what is the average cost?We Answered:I guess it depends on where your located and whats in the business (equipment). I own a Game Center Cafe and it's about 75 a month. Not bad.Annie Said:What is the best Healthcare Insurance for small business owners in Colorado?We Answered:I am not paying my own Health Insurance but I did a search for you.
Check out these links for your research:
http://dir.yahoo.com/Business_and_Econom…
http://www.affordable-health-insurance.c…
http://www.medhealthinsurance.com/colora…
http://www.anthemforco.com/index.php?dna…
http://website101.com/Health_Insurance/
Hope this info helps you.
God Bless....Jordan Said:what is a good health insurance for small business owners?We Answered:Blue Cross is one of the best carriers for the state of California....
Bryan Said:What are the best health insurance options for independant business owners?We Answered:She needs to go to her local agent that writes the rest of her insurance, and ask them for an individual health insurance policy quote. That's the ONLY way for her to go!!Lisa Said:what is a good health insurance plan for small business owners?We Answered:there is a company called administaff... they are a company that handles HR and benefits for small business. i saw something on them in forbes about 2 yrs ago.
http://www.administaff.com/index.asp...
Connie Said:How can I find out who a UK businesses' insurance company is?We Answered:No there isn't, companies have to display copies of required insurances like Employers liability insurance etc somewhere in the building, but that's it.
In my experience they usually hang them on staff notice boards, other than that it's a private matter between the company and the insurer.Constance Said:How would health insurance businesses be able to stay viable if the Senate bill is passed?We Answered:i htought the main reason of living in a society was to help each other out, am i wrong?Cindy Said:How can a government run...
Claude Said:Insurance... adjuster versus contractor estimate?We Answered:You are certainly welcome to get an estimate from a contractor - but be sure it's broken down, for each area, all the materials, and labor.
Payouts are negotiable - to a degree. Your agent is likely to be able to do a better job getting the increase, IF you have the contractor estimate to back it up. Keep in mind, the contractor might have inflated labor costs, or maybe the adjuster accidentally left something out. In YOUR case, I wouldn't trust the agent to do this for you. ...
Carla Said:Insurance on a commercial rental property?We Answered:I would get Dental Insurance cuz what ifs they falls of there horses and they bust a tooth. Its more happenable that they would bust a tooth than to break a leg. Dos you want to be payin for somebody to be havin tooth work done? I knows I wouldn't.Ana Said:question about commercial property?We Answered:hi
If you looking for a legitimate online loans in 1 Hour.once approved your loan will be transferred directly to your checking account promptly, and securely. Now you'll be able to use the cash for all your...
Erin Said:How much should I expect?We Answered:Either, or both, is likely to settle out of court. The truck company is more likely. The seatbelt issue will be harder to prove, since they can argue that the seatbelt itself didn't fail, but failed because of damages caused to it during its lifetime in service with the vehicle owner(s) and/or because of the force of the crash. There are guidelines on what most safety features of a car, like seatbelts, must withstand and how they must legally perform. So long as it performed to those guidelines you're not...
Jennifer Said:Commercial Insurance Rules?We Answered:They can't pay you more than what you had it insured for in any case. And if it is a total loss and you don't buy it back for salvage value, it belongs to insurance, not to you. You can get the $19,000 if you prefer, but you wouldn't get the truck back under that situation. If you want it back you will have to pay salvage value of $4,500.
You can pay an attorney if you like and pay for the information I just gave you free.
And recheck your math. You get...
Yvonne Said:What type of car insurance for living trust?We Answered:You'll have a hard time finding an insurer willing to write a personal policy on a vehicle owned by a trust. I think you'll need a commercial policy.
It's easy, if you have an agent work it and explain it for you.Erica Said:where do i find georgia state laws about taxi businesses?We Answered:Probably at the Department of Motor Vehicles.Terrence Said:can you self insure your business in philippines?We Answered:keep sufficient surplus amount deposited with the statuitory authority for insurance claims if u are an idiot / or pay a small amount to...
Linda Said:Is that supposed to be a gay couple in the Progressive Insurance commercial?We Answered:It very possibly could be. I saw the commercial and wondered. I pondered it for awhile. And i have a theotheories
Progressive is trying to hint that they are gay friendly without losing their homophobic straight customers. The gays will assume it is two gay guys and straight guys might assume that they are friends, co workers, brothers, etc. It is a very VERY good attempt to be politically correct. they are satisfying both sexualities.Stephanie Said:What is the girls name that is shopping for insurance in the...
Martin Said:Do small business owners complaining about the high costs of health care just need to shut up and work harder?We Answered:Well according to conservatives, yes. If they can't afford health care, they're clearly not working hard enough.Crystal Said:What kind of affordable health insurance plan is there for small business owners?We Answered:One of the best options to consider are health savings accounts. They combine a high-deductible health plan (HDHP) with a cash savings account which is investible in almost any kind of investment.
You use the cash (which is put in, builds and spent tax free so long as it...
Chad Said:Small business insurance, where do i start?We Answered:What you can do is call your local insurance companies and tell them what you plan on doing. Ask them for insurance that can cover you. I know Aflac gives you money for bills ect should you get hurt on the job. I would also try the sba. (Small Business Association) Jut research it. Dont settle for the first thing you come accross. Take notes on everything.Enrique Said:Health Insurance for Small Business Owner?We Answered:~~There may be better tax advantages by incorporating but it will not affect your premiums. I don't know what...
Margie Said:Resources for finding health insurance for small businesses?We Answered:It's called "a local agent or broker".
You can't buy this online.
Start with whoever writes your business insurance - if they can't do group health, they can refer you to someone local who CAN.Marvin Said:What is the cost of medical insurance for small businesses? Where can I find this information? Thanks!?We Answered:That all depends on what kind of insurance you want and if you it for employees or not. Blue Cross Blue Shield is awesome insurance. www.bluecrossblueshield.comNathaniel Said:When is the Health insurance for small businesses take effect?We Answered:Unless you...
Allison Said:Can I get public liability insurance for 1 day?We Answered:You may be able to get an event coverage. The minimum premium will probably be in the neighborhood of $500-750 for the one day. Why don't you get a general liability or BOP for a small business? Depending on what you do the premium may be the same minimum premium.
Call your insurance agent that handles your homeowners. If your business is based out of your home, many companies will want to insure both your home and business (not have it split between two companies...
Javier Said:New advertising slogan for insurance business?We Answered:Be legal for less!
or
No worries...we've got you covered!Sarah Said:UK: How do I find out what sort of insurance my new business needs?We Answered:You can find out the kind of insurance your business need in the UK by asking an insurance broker in the UK about it, a broker usually has access to multiple insurance companies and will be able to evaluate your needs adeauately and also give you good prices on your insurance.
Search for these words - insurance brokers uk - on yahoo.com or google.com to get some of these brokers in the...
Andrea Said:How much would a year's insurance cost for a small van?We Answered:i don't knowKathleen Said:Courier Van Insurance?We Answered:I got a £50 monthly on a pay as you go here http://4ym8.com/del/ukmotoring-insurance…
but you might not have the same van/age/bonus etc so I dunno. It's free to enquire.Betty Said:Car Insurance quote question?We Answered:Try Quickfit, they do great commercial vehicle insurance, plus this time of the month is a good time to insure because they are all chasing their bonuses, got mine quote reduced by nearly 30% if I signed up before the end of the guy`s shift.Glenda Said:what kind of insurance do...
Tiffany Said:Insurance for a bed and breakfast (school project)?We Answered:OK, see, you've got HUGE variables here. How much does it cost to rebuild the barn? The house? How much fence do you have? What's the construction material? Protection class? How old are your structures? Are they all fully sprinklered? How many horses? What are the gross receipts from the B&B? What are your payrolls for employees, and for how many employees?
Lots more, but it's very, very detailed - including driving records for the person driving the business auto,...
Ron Said:i need fire insurance quotes for a project?We Answered:You must be doing a business proposal project for school. I remember doing one of these in college. Contact any independent insurance agent. Or, call your car insurance agent and ask them if they will help you. I get calls like this occassionally and am more than happy to help people out. They are probably just going to give you a guesstimate but that is all you need for your project. I asked the company to send me the application and I included it...
Armando Said:Can a felon get Health and a small Business Insurance?We Answered:OK, I've written business insurance on businesses owned by felons. It's not a deal breaker, but for a NEW business, you're likely going to be in the surplus lines market. You need to go to an independent agent, give them details on the type of business it is, and get quotes for the business insurance.
If you're only buying health insurance for one or two employees, it's going to be INDIVIDUAL coverage, not a group plan, in most states. It gets underwritten and priced based on...
Harvey Said:How many small businesses will go out of business if republican succeed in increasing health insurance rates?We Answered:The more the better from their point of view as then that will mean that Obama's reforms are damaging America, or so they will argue. And that means that they can go back to the wonderful healthcare system that no other western nation has!
It surprises me that so many Americans seem not to be aware about Obama’s healthcare plans [a]. During the election, he campaigned for these changes stating that he felt it was unfair to have a system where...
Eleanor Said:Where can I get affordable liability insurance for small moving company?We Answered:OK, does "affordable" mean cheaper than you've already been quoted? Under market pricing? Less than it costs? That's like saying, "Where can I find a small moving company that will move me from my house in Pittsburgh to my house in Texas for $500 all inclusive?"
Moving company insurance is EXPENSIVE. The commercial auto part is EXPENSIVE. You need filings, so you'll need motor truck cargo coverage. General liability, for the loading and unloading, is EXPENSIVE. And...
Travis Said:Name the celebrity who does the allstate insurance tv commercial?We Answered:It's Dennis Haysbert.Diane Said:What is the music in the Travelers Insurance TV commercial?We Answered:Puffin' Billy performed by the RTÉ Concert Orchestra conducted by Ernest Tomlinson
This was the theme song for the Captain Kangaroo show.Mark Said:Does anyone else find all those Progressive Insurance tv commercials annoying?We Answered:I actually cringe when this most annoying commercial appears. The actress with the clump of hair on top of her head makes me want to drag her across the room by that knob. Every commercial just gets more stupid than the previous one....
Yvonne Said:Which is the hardest field? Finance, International Business, Management, Insurance/Risk management, Real Est..We Answered:With International Business, not only do you have to know your subject matter, like the other professions, but you need to know the culture, mannerisms, geography, some language of the target country.
If you are in real estate in Flat Rock, West Virginia you don't have to worry about your shoes.
But in certain countries of the world, people consider it an insult if you cross your legs and show the bottoms of your shoes. Or touch people/food with your left hand. You better...
Jeremy Said:what kind of insurance will i need for my catalog sales business?We Answered:you should look into liability insurance for your business. Your home insurance policy likely excludes a home based business. Your home insurer might have a home based business insurance rider. But many companies do not offer home based business insurance for internet sales so you might have to look for a commercial general liability policy.
Good luck with your business!Laura Said:Internet Small Business Insurance?We Answered:The business insurance will be based on the potential liability of the company. If you deal with customers over the net...
Betty Said:How do I use FL medicaid with commercial insurance?We Answered:If your husband has the kids insured on his group health insurance, Medicaid becomes secondary. It picks up the copays/deductibles; husband's insurance is primary.
BOTH insurances need to be billed....
Roger Said:what is the cost for business insurance ?We Answered:Yes, you should definitely have insurance. It protects you and your clients. Get a general liability policy and an $1,000,000 umbrella policy. The general policy will be based on your annual revenue, the umbrella will probably cost about $150.00 a year. Probably talking about 2-3K per year for a good policy. Check with Zurich, they are very small business friendly....
Carolyn Said:Legal help Please! Commercial Burglary Question. Any help very appreciated.?We Answered:Yea, I won't berate you for not reading that policy, although normally I would have. It looks like you're beating yourself up enough about that without my help. (I would also tell your landlord to go and screw himself about the wall thing. Who cares about his deductibles? Tell him to suck it up -- it's his wall!)
Hopefully you read your lease, and hopefully, there's some clause in there about the landlord providing "reasonable security measures" or something like that. If there was, then you're in luck, because "breaking...
Howard Said:Insurance for landlords for apartments (Australia only)?We Answered:
As far as my knowledge,this is a question with various answers,it is really depending on the mind of yourself,providing a great resource here http://www.insuranceidea.info/free-insurance.htm for reference though.
...
Tamara Said:Have a unique idea about Insurance business - what to do ?We Answered:Insurance Companies already have a model to your Idea. In fact that is what actuaries do. Insurance companies already have statistical data and people with Math backgrounds doing this. That is why they are still in the business.
My advice is to get an actuarial degree using your "formula" and the present this to an Insurance company after you have been hired.
If your Business plan is bullet proof then you may become president of that company and may change the concept of indemnification all together!Franklin Said:Do...
Chester Said:How much does "extra" liability insurance cost?We Answered:There's no such thing as "extra" liabililty. EXCESS liability, comes in $1,000,000 bits - so you can't buy $300K of excess liability.
Your landlord's insurance covers your landlord. Your renters insurance covers you. Likely, your renters insurance IS the liability "package" that they are talking about, assuming that you're renting the place you live, and have an HO4 renters policy.Julie Said:How important is liability insurance if you're starting a seminar?We Answered:I assume that this insurance would protect you against lawsuits from people who felt you didn't adequately prepare them for...
Lorraine Said:Need gen. liability insurance broker referral for funeral escort bus., indemnify city of punitive damage.?We Answered:Firstly no one can point you in the right direction because no one knows: a) where you are, or b) why you were not renewed by your present carrier.
Second a Commercial General Liability policy ALWAYS excludes punitive damages. Punitive damages are seen as a punishment handed down by the courts for intentionally trying to cause damage/injury. Insurance policies always exclude liability for damages/injuries the insured intentionally tries to cause others (they are criminal acts). I have only seen one type of policy that covers...
Lydia Said:Need help about liability insurance?We Answered:OK, THEIR liability on the place, IF they had it, would be for like slip & fall claims while you were on their premises. It would NOT cover the physical damage of YOUR boat, while it was being kept there. Liability specificially excludes coverage for property in your care, custody, or control.
Likely, public liability (slip & fall coverage) is NOT required. You could go to court, but unless they caused the fire (were THEY the arsonists)? You will lose. If they DID cause the fire, it's not going to...
Wanda Said:What is the cost of general liability insurance for a small business?We Answered:I know my buddy pays around $100/mo for $1,000,000 insurance policy. He owns a garage door company in it's startup phase with no employees.
I believe it can vary by a lot with deductibles and such. I would suggest using a price comparison site that gets you multiple quotes like http://www.usinsuranceonline.com/ they have a pull down option for "business insurance" on that main page to get quotes from different providers.Stephanie Said:If you rent a flat, do you need liability/business insurance?We Answered:Your tenant's insurance should have...
Oscar Said:How much liability insurance does a commercial dumping truck company carry?We Answered:This amount is normally controlled by your State's Department of Transportation.
In Texas, the Texas DOT requires a MINIMUM limit of liability of $500,000 Combined Single Limit liability for ANY vehicle that has a GCVW (Gross Combined Vehicle Weight) GREATER than 26,001 pounds. This will include MOST dump trucks unless they are small single axle 3-5 yard box trucks.
To cross State lines, USDOT gets involved and you normally have to carry a MINIMUM limit of $750,000 Combined Single Limit for non-hazmat materials.
This is PUBLIC LIABILITY only and...
Kristina Said:can anyone list insurance companies off the top of their head that would do liability ins. for school?We Answered:Selective, and Cincinnati, both write in Illinois specializing in schools.
I would need more info to supply a quote, how much property coverage, how much general liability, do you need commercial auto, what about work comp? Most insurance companies want the whole package and won't just write General Liability.
e-mail me with the specifics and we can probably get you a quoteJamie Said:Anyone know which insurance companies insure animals shows (reptile) with public liability insurance?We Answered:It's going to have to...
William Said:What is the liability of the insurance company of the driver who was allocated 100% liability in an accident?We Answered:Less depreciation depending on the year of make.Deborah Said:What is the best insurance company to go with for public liability Insurance?We Answered:http://www.google.co.uk/search?hl=en&q=p…Margie Said:I was in an accident, do I need to call my insurance company if I only have liability insurance?We Answered:You need to report the accident to your insurance company. Even if you are not covered for damage to your car, they need to be informed, especially if they are going to have to pay for damage that you...
Eddie Said:Business Liability Insurance?We Answered:I used state farm , it was $125 mo for a sandwich shop and covered everything. Call who has your auto ins. they may help alsoTracy Said:Question about business liability insurance?We Answered:Your rate will normally be based on how much you make (your receipts) during the policy period. However, each company has their own set of guidelines on how much to charge. You may even get a better rate if you get a package policy - one that covers your property as well as the liability exposure. I highly suggest you contact 2...
Joanne Said:Approximate cost of business liability insurance for Virginia?We Answered:OK, you don't get "property damage" liability on a business policy.
Sounds like you're just a consultant type guy - liability will likely be based on either square footage or gross sales, but either way, I"m betting that a million of coverage, should run you around $750 a year.
Excluding professional liability.
Something to think about, though, you might be able to get a bop - including some property coverage - for $600 a year.Gary Said:What is the typical price range for business liability insurance?We Answered:Depends on your type of...
Jack Said:Liability insurance for small business?We Answered:It depends wildly on what KIND of bar, the liquor receipts, and if there's a dance floor or other entertainment.
Budget $10,000 to $15,000 and you'll be ok.Holly Said:Liability insurance for small pizza delivery business?We Answered:As stated in the 2 previous responses the answer is yes. You need whats called Non-owned auto liability. (hired auto is not necessary in this scenario and I think most agents are just accustomed to saying Hired & Non-owned).
Basically you do not own these vehicles but you are still at risk for any potential claims that arise from your employees...
Joyce Said:Liability insurance?We Answered:Impossible to guess, it depends on too many factors to say. Find an independent agent, give him your information including what vehicle you will be buying, let him check his data base and give you an exact amount.Edwin Said:How can I obtain product liability insurance for a new baby product I invented?We Answered:You have to go to an independent agent, who can put this out on the surplus market. I disagree with the guy that says find the largest agency - they're the ones most likely to say this isn't worth their time, and refuse...
Julia Said:Liability insurance?We Answered:An insurance company, call around and get a few quotes. You may want to check with your auto or home owner company as they may have a discount...Jennifer Said:How can I be exempt from liability insurance?We Answered:Usually you can be exempt by providing a certificate of a bond that proves you have the means to pay a judgement against you.
This doesn't work in all states. Some states that aren't true 'compulsory' auto states are what are called 'financial responsiblity' states.
If Texas is a 'financial responsibilty' state, then you can opt out of liability insurance by...
Carmen Said:Homeowner sub-contracting my house looking for general liability insurance?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.Kirk Said:Can I get general liability insurance with bad credit?We Answered:I have never seen an insurance company pull credit on a commercial policy. They only do on personal insurance. They may look at the financials of the business for rating purposes (gross sales, liabilities, salaries, etc) & they may also decide if they will cover you based on the length of time you have been in business. If you...
Nelson Said:do you need liability insurance on land in louisiana?We Answered:Many times if you have a homeowners policy located somewhere else it will cover the land. In that case check with your agent or the policy. If you do not have a homeowners policy and are planning to build on the land, you should get a builders risk policy. If you are not looking to build then check out an umbrella policy.Caroline Said:I own several parcels of vacant land in several states. My homeowners insurance used to cover liability.?We Answered:Your regular homeowners insurance policy will cover you...
Wallace Said:What is third person liability in a car insurance?We Answered:Third person is your passenger. collision pays for your car if its your fault.Kristen Said:How can I obtain "food handler's license at the minimum and liability insurance" in NY state? I was reading ?We Answered:Yes Health Dept and call your current Homeowner Insurance carrier and get the liability thru them. You do not want anything to conflict with your homeowner's policy and endanger your coverage
The Board of Health will send an inspector to your home as will the insurance company.Bobby Said:What's the cheapest public liability insurance i can buy...
Ken Said:what is the cap for property liability insurance in california?We Answered:There is no cap--you can buy all the insurance you want.Lance Said:Excluded driver totaled my new car. Does his property damage liability insurance pay for my car? Any advice?We Answered:Unfortunatly your insurance company doesnt have to even bat an eye at your claim and there is nothing you can do about it. Your policy stated that this person will not be driving your vehicle as you advised them. No legal action can be taken. m Sorry... you are SOL in that area.
The drivers liab policy doesnt cover your...
Randall Said:Proffesional Liability Insurance?We Answered:You do need to have Commercial General Liability (CGL) in place first or at least simultaneously purchase both. Even if you have not had insurance before it is possible for a standard company to write both policies for you. I would check with Travelers Property Casualty since they have an excellent policy tailored for technology companies and they will also write the professional liability (also called e & o--errors & omissions coverage) as long as you have documented experience. You will need to provide your projected annual gross receipts, an estimate of your...
Jeanette Said:Roughly what is the cost of moped liability insurance in oregon?We Answered:Help yourself - you can check your quotes in internet, for example here - autoinsurance.noneto.comNora Said:Liability Insurance for medical transcription?We Answered:Give us a call and we would be more than happy to give you a quote. Allstate Insurance (Your in good hands)
360-694-8446Betty Said:are there any insurance companies offering the minimum $200000 liability to Ontario residents?We Answered:$200,000 is actually pretty crappy coverage. Think about it. You have an accident, and it is your fault, a young doctor with a family is killed, that is nowhere near enough...
Rene Said:What do people pay for liability insurance to build decks in new york state (suffolk county)?We Answered:You cannot find a price online as some companies charge based on annual sales and some based on your payroll. Your business is not one that can be flat rated.
I can help if you'll email me, giving you better direction.
Also you liability coverage will be dependent on the towns you pull permits in (what are their minimums?) and any General Contractors who may hire you (what are their minimums?)Carla Said:About commercial liability insurance quote.?We Answered:This is correct if the policy has a...
Howard Said:Where can I get an affordable liability insurance for my new small business in California?We Answered:Direct insurance is the cheapest all around. most people in the States don't know how much money it can save you but give direct a call and they can help alot.Sean Said:what exactly does general liability insurance cover for a small business?We Answered:Depending on the type of business, one of the best policies to look at would be a Commercial Package Policy. This type of policy will provide you with Commercial General Liability coverage which (with a few exceptions) would include coverage for...
Robin Said:I need liability insurance for an animal centre (UK)?We Answered:Perhaps the RSPCA could advise you better on this. They have rescue centres.Tracey Said:Public Liability insurance UK - how much for a one-off private event?We Answered:Probably the equivilent of $750 - the costs to issue a one time policy are about the same as an annual policy, so if you only run 2-3 events a year, you're MUCH better off getting an annual policy.Suzanne Said:Do I require Public Liability Insurance to use blank firing replica guns in the UK?We Answered:Technicaly no.
Would i , yes if its for public entertainment
The thing...
Cassandra Said:What is the best legal entity for a small restaurant business, Limited Liability or Corporation Sub. S?We Answered:You may want to anticipate what your future needs will be and what you plan on doing with your business and then decide on an LLC or S-Corp. Both have limited liability. One does not hold more protection than the other. There are different rules on the Federal side which is what you should be concerned about. State issues are a concern but for tax purposes focus on Federal first.
Shareholder's normally do go on payroll for...
Victoria Said:whats a good way to sell home, auto, life, commercial insurances???We Answered:If we knew that, wouldn't it be better for us to do it ourselves, instead of just giving that information away to you?Albert Said:If buying Life Insurance for your child, how does it protect that child?We Answered:Health Insurance is to help protect your child by paying for the medical expenses.
As far as life insurance goes, it will help pay for the funeral. Funerals are very expensive. Some people can't afford a lump sum payment.Patricia Said:Does anyone Know what Sunglasses Dennis Hopper is wearing in the his...
Cheryl Said:Who is the black actor in the mega life insurance commercials?We Answered:
based on your condition,I believe you should find something useful here http://www.InsuranceFreeTip.info/insurance-for-free.htm .
Aaron Said:Why does Cartoon network give commercials on life insurance?We Answered:Its a paradox.
It just like, why does Cartoon Network show shows that aren't cartoons *cough* CN real.
But, not all little kids watch cartoons. My family started watching CN because they're playing Looney Tunes right now (and a lot of older people understand the humor in Looney Tunes better than kids)Robert Said:which commercial for life insurance/health cover with has the hands of the father and baby?We...
Annie Said:Alstate Insurance Commercials...WTF?We Answered:More likely we're just so *tired* of all the time having to make phone calls and get put on hold and get transferred to two or three different departments and to have our calls get cut off and to be told five different times by five different voices to please enter our account number by pushing the buttons on the phone ... it's just a relief to have someone say "We'll take care of all the aggravation for you so you don't have to."
We're not spineless, just overloaded.Sam Said:On the Geico commercials, there is one commercial...
Kathleen Said:what is the saddest commercial you've ever seen?We Answered:Beautiful. Thanks for the links....
Sandra Said:What is this article saying? what's the main point?, ?We Answered:The main point is that Obama has been consistent while McCain has been scrambling because the message he and the administration have been touting in the past - that the economy is fine, that deregulation works, that we can trust the market - is clearly nonsense and he has to find a new message that sounds more sensible without making it obvious and while allowing him to continue with policies favoring the rich, the market, privatization, etc.
This is supposed to be an "impartial" news article, and by modern "standards",...
Sheila Said:Do I need business insurance?We Answered:You only need insurance, if someone sues you. What would they sue you for? All I can think of, is if someone slips on some poo you missed, and falls and hurts themself.
I think you're probably better off talking to a lawyer, and setting up your business under a corporation, so they can't GET anything.Joanne Said:My business is operating in more than one state-need help with insurance/registration and inspection?We Answered:Do you have permanent locations in these other states? Are the vehicles GARAGED (kept) in the other states?
If you do,...
Marlene Said:How does a new business bill a health insurance company?We Answered:If they are business liscensed to do this business they request forms from that insurance company, and fill them out, or they can simply say, call your insurance carrier and find out how to submit a claim, they do not have to do this in most states. If they are not liscenced with the state, there will be no getting the insurance company to pay for it. Make sure they understand the laws,call the business liscensing agency, and let patients know, they are not covered by their insurance, so...
Sandra Said:car accident, who's at fault?We Answered:it depends on the scenerio dude...if you fully slowed down to give the truck enough space...Edward Said:What is your favorite Nationwide "Life Comes at you fast" Insurance commercial?We Answered:?•?•?•?•?•?•?•?•?•?•?•?
LMAO!! theyre all so funny!
i luv b and d...... life DUZ come @ u fast! =/
?•?•?•?•?•?•?•?•?•?•?•?...
Dale Said:Would it be Fair to Make the Mosque Promoters Post an Insurance Bond?We Answered:Not fair, because you're singling out one religion.
Not possible because:
1. BUILDINGS don't cause massive damage, explosions, toxins, or radiation - those are all caused by people building the buildings, or supplying the materials, or behaving badly.
2. NO insurance is going to cover toxins or radiation. It's a standard exclusion, across the board.
3. A "bond" doesn't work that way. A bond is a three party agreement, with the obligee being the entity that gets paid, the insurance...
Neil Said:How to become an Independent Insurance Wholesaler in NJ?We Answered:Where should you look for WHAT?
If you're getting hired on by a wholesaler, your clients will be independent agents.
With no experience at all, NO ONE is going to give you a contract directly. You're going to HAVE to work for another wholesaler.Annette Said:I work 24 hrs./wk in NJ small business. Am I entitled to benefits: vacation, sick pay, insurance, etc.?We Answered:No, you are a part time employee. Some will give benefits to 30 hour/week employeesMartin Said:What license do I need for a paint business?We Answered:You...
Willard Said:VAT treatment on a leased new car?We Answered:Talk to your accountant or contact HMRC direct (http://search2.hmrc.gov.uk/kbroker/hmrc/…
Getting VAT wrong can be a real pain in the neck, so it's worth the call!...
Tammy Said:License Plates for Trucks in NY?We Answered:it costs more for Comm plates. But if you are caught moving your friends furniture or anything in a pickup without comm plates it can be a problem. I think there is a class of plates "Pass at comm rates"Connie Said:Hit and run, what should I expect to happen?We Answered:OK lets stick with the short version, dosent matter if you were parked in the middle of the street putting on make up, talking on your cell phone and doing a cross word puzzle, he hit you and left the scene of an...
Sally Said:what is the industry average commission rate of a commercial insurance agent?We Answered:LOL 40% I WISH.
It's related directly, by line of business. For workers comp, it starts at 7% on average, for that first $1,000 of premium, and the larger the policy gets, the smaller the commission gets, down to about 3%. Remember, commisions are a percentage of the PREMIUM dollars paid, not the coverage amount.
For standard lines, property, commercial auto, inland marine, general liability, will all get you around 15%. Commercial umbrella/excess runs between 7 1/2 and 10%. Bonds run around 30%. ...
Angela Said:health insurance and retirement benefits for a small business office?We Answered:As of right now (pending ObamaCare), there are no requirements to provide either health, retirement or life insurance benefits. You can, of course, work with a bank to provide a payroll deducted IRA with no contribution from you, same with life insurance.Gene Said:late 20's guy, casual business dress in midwest insurance office?We Answered:NO way, no white socks as to me it's a fashion disaster. My suggestion is to go to a well known department store in your area and go to the men's wear section, look for...
Ian Said:Understanding medical / health insurance quote?We Answered:Is your deductible included in your out of pocket max ?
sometimes it is, sometimes it isn't.
you pay your deductible of 2500$ ...
then you pay your co-insurance of 80% up to 5000$ (oop max)
then insurance pays 100% of covered services for the calendar yr.Tara Said:Can someone please explain this health insurance quote that I have received.?We Answered:Yes you have to pay 5,200 out of pocket first, before insurance kicks in and covers all additional charges. Seems like a lot, but if you are healthy and don't need to visit the doctor often, it...
Kimberly Said:Florida Auto Insurance Quotes Online, are they really safe?We Answered:I am a resident of Miami Florida and I can tell you first hand to be very careful entering any private information online. I have recently had my Identity stolen from entering my personal information which had to include my social security number for a free online auto insurance quote. Never again will I so easily be swayed to enter my personal information into the world wide web for all to see. My thoughts, there are people who can hack into anywhere online, do yourself a favor and try to...
Paul Said:Where in the UK can I get postal insurance?We Answered:if u are sending something expensive it has to be special delivery andyothing other will not cover you recorded delivery is not worth the paper its written on ,im a post woman so am speaking from the person who delivers your goods point of view only special care is given to special as for recored so many get stolen bye xxMarc Said:Do I need insurance? (UK)?We Answered:You are already covered by the company. As long as you are doing this with their approval then you are covered.Cecil Said:How self assesment,...
Willie Said:Anyone here take Lexapro - quick question?We Answered:In most Wal Marts and Target stores for people who do not have insurance you can get certain medications for a low cost of $4.00 but they need to be of certain brands you can contact those pharmacies and see if they will cover your medicine, also check with Walgreen's they are now staring to do it for $3.99 as well!...
Marjorie Said:Estimated costs for restaurant insurance?We Answered:I sell commercial insurance in Georgia, so the rates may be different, and yes, to give you a good quote, it would require lots of information, but here is the types of insurance coverage the restaurant would need:
General Liability
Liquor Liability
Property Coverage (Building and Contents)
Spoilage Coverage
Business Income & Extra Expense
Workers Compensation
Like I said earlier, I would need lots of info for an accurate quote: gross revenue/annual payroll/coverage amount for building and contents/building information, etc, but I think as an estimate, you would be safe to use $7500 per year.Jennifer Said:Ask: Online Auto Insurance Quotes, are...
Brandy Said:How much are business records worth?We Answered:well seeing as you have to keep records for 6 years. I would say they are very important, although as you have said, its very hard to put a value on it.
i suppose you could value the records based on the the profits of the business. ie if you make on average £20,000 profit a year. perhaps you could use this as an indication or at least the tax payable on the profits, based on how many years you are moving because if the Revenue investigate you, without business records its going to...
Alan Said:how would starting an online business affect my tax and national insurance?We Answered:All UK citizens get a tax-free personal allowance of £6475, and the UK tax year goes from 6th April to 5th April. Your personal allowance will now be at your job, and it is likely that this will continue, although you can have it against self-employed earnings if you wish. That would mean you would get a straight 20% deduction from salary, and most people prefer to leave tax allowance at job. Yes, if your earnings were over £6475, you will still get PAYE tax deductions from...
Anita Said:How much will insurance cost for my business?We Answered:GL - probably about $750 / year.
E&O - probably about $1,500 / yearPatricia Said:Self-employed, business insurance advice??We Answered:You'll want to contact a local agent to find out the best plan for you. Depending upon your business you may need an errors & omissions policy and/or just a general liability policy.Monica Said:how much will insurance cost for my business?We Answered:A Commercial Package Policy that will provide you with coverage for your business personal property and commercial general liability will run you approximately $400 to $1,000 per year depending on how much BPP...
Terrance Said:Buying car insurance for a used car?We Answered:You need a vin # of the car to get an insurance quote. So you need to obtain insurance right AFTER you buy it but before you drive it after having bought it.
In other words, call the insurance agency from the sellers...
Amber Said:Where can I find the name of the actor in the Progressive Insurance commercials?We Answered:He's the ex-president (that was just assasinated in this season's first episode) of Fox's series "24"... try Fox's website and look at the cast of 24.Bruce Said:what song is this? insurance commercial?We Answered:idk.. on google it says from where you are by light house but i listened to it and it wasn't it!
Craig Said:Commercial Insurance Cold Calling?We Answered:Wow two people actually posted legit answers instead of trying to get you to do some crazy scheme.
You might like to read this article we did on cold...
Jessie Said:A friend of mine is starting a small business and wants to know what the basics are could someone tell me Than?We Answered:Your friend ought to take a quick business course before she does anything.Brandy Said:how do I learn more about operating an LLC account for a small business?? Are there any online forums/webs?We Answered:You need to visit this government site; http://www.sba.gov/, its the small business association, and you will find a wealth of info there.
Good luck, keeping up with all that stuff can be a pain but you can learn it all in time.Terry Said:Any way...
Kelly Said:How do I get old employer involved in a civil judgment that was file against me?We Answered:Hmm, it's a bit late for that. You should have brought your former employer into it before the judgment was filed against you.
The only hope you have now is bring a motion to "set aside" the judgment so that you can argue the case and bring your former employer into.
Why is there a judgment? Didn't you answer the complaint against you? Was there a trial?
But even if you do get a new trial, if your employer agrees with the plaintiff...
Russell Said:Product Liability Insurance for a store?We Answered:Your agent is correct. Each of your vendors should have their own general liability insurance policy, and you should make them prove it with certificates of insurance before you allow them to rent the space. If you own the location, you may want them to add some sort of fire protection for rented premises too. It's comes automatic on a lot of general liability policies. You don't want to be responsible for the products or actions of the people renting space in your store.
For a good example, look at...
Mike Said:Do you know the difference between standard market insurance carriers and non- standard?We Answered:Non-standard carriers are just companies that are not the "admitted" carriers. It is many times call the Excess and Surplus Lines. Many of these companies are global companies. Lloyds of London is an E & S carrier. As long as the company is financially stable then you should not have a problem. You may pay more for the coverage because the standard carriers do not want your business"too risky" so you have to go to E&S carrier.Marian Said:I'm looking into buying...
Shane Said:if my company is paid to develop a product will my liability insurance cover me if the product doesn't work?We Answered:The only answer to give here is maybe. It depends on what your product is and what coverage options you purchase. The coverage you are looking for is either professional liability or completed operations.
If your product is software, you will likely not be able to find someone to write the liability for your completed products. If you make cabinets or some other tangible product, then the coverage is pretty standard to get.
Talk to your independent insurance agent to find...
Samuel Said:Do you agree with this or disagree with it?We Answered:Dick Morris? Consider the source. Politicians will always find a thousand different reasons to put off doing anything about Health Care Reform and the 45 million uninsured. The time is now. And Obama is statesman enough to realize it. God Bless our President....
Dan Said:I want to open my own tea shop....help!?We Answered:You really need to get some research done on this subject. No-one can tell you how much money you will need up front - that depends on what property you buy or rent, what the overheads are, how much alteration & decoration is required, how much you need to spend on tables, chairs, counters etc. Check out the local competition and see what service they provide and what they charge, then source suppliers and work out your costs. Remember that people will happily pay a lot more for home-made cakes and...
Claude Said:Employer's Liability Insurance?We Answered:On the information you've provided I'd say the answer is no you don't.
But more intriguing is what your company actually does if it doesn't sell anything or provide any services. !
If it's just a holding company, then I still say no, you don't need EL cover.
Link to a full guide attached....
Minnie Said:product liability insurance cost?We Answered:As noted you can't get a quote here. Any number would be a WAG and of no validity.
You should understand that a typical insurance company will not even remotely consider insuring such a risk. That leaves you with what are called "Surplus Lines" carriers who specialize in hard to place risks. Even in the surplus lines market there will be only a few carriers that will consider offering insurance and then only after a thorough understanding of the product and its potential risks.
You need to work with an experienced commercial broker who is licensed in...
Jeffrey Said:I need to get product liability insurance for my products/company.?We Answered:You need to talk to local, independent agents, who can put this out to market. You can't go directly to a company - they won't deal with you. You need a broker, who will find an excess carrier, who MIGHT be willing to do this.
It's going to be expensive.
Find a local, independent agent through www.iiaa.orgCarla Said:How important is product liability insurance for people who sell handmade bath/body items?We Answered:Contact an attorney to see if liability insurance is recommended or could he/she write a...
Salvador Said:Where can I get Professional Indemnity Insurance for Chiropractors at a reasonable price?We Answered:Your best bet may be to go through your professional association. Rates will be decent because of the buying power of the association. Most professional E&O coverage is sold this way.
Good luck.Olga Said:what is the difference between Professional Indemnity insurance and Employers Liability insurance?We Answered:Professional Indemnity Insurance (PII) is insurance against the risk that clients will sue a professional advisor - for example for bad advice or not giving appropriate advice.
Employers Liability covers other risks such as the risk that an employee might be...
Patricia Said:What is the average cost for a Lawyers Professional Liability Insurance?We Answered:I think that you'll find it very difficult to obtain coverage in the U.S. Domestic carriers' policies are simply not designed to pick up this exposure. Since you are not a licensed attorney in any U.S. State, and since almost all policies exclude Mexico from their coverage territory you would be forced to seek coverage with a non-admitted, specialty carrier, and the cost - if available - would be prohibitive.
Are you being asked to obtain this coverage by a client?Jean Said:How to save money on commercial...
Rene Said:An owner has a boarder their basement apartment is the basement considered rental property?We Answered:In most states and with most insurance companies, he would be required to purchase commercial insurance on the dwelling, additional coverage on his personal contents.
Depending on the city/town/state laws about rental apartments, he may be subject to having the apartment inspected before it can be rented legally. The biggest issue is usually adequate escape routes should there be a fire. Egress windows are almost always required; not the little tiny typical basement windows. And a separate entrance probably.
Homeowners insurance does not typically...
Clifton Said:what kind of insurance do i need for a property that is zoned commercial and used as a residence? HELP!!!?We Answered:You're going to have a challenge. First you need to work on getting it zoned properly.
If you try to get strictly commercial insurance and you have a claim and they find out it was because it was being used as a residence, it may void the policy.
You will need a homeowner's policy that might have some commercial provisions in them....a 'combination' policy so to speak.
Since there are plenty of home based businesses that need a combination policy, an...
Edward Said:How much does public liability insurance cost?We Answered:Your not alone! In your field and with the Technology of The Web their are many businesses using IT to to bring in the Bacon...IN FACT Many insurance markets have researched and developed IT professional liability programs just for you!
Depending on what type of Info "and" advertising you do the premium could vary . I just wrote a Professional Liability policy for a website business specializing in sports gear and "how to" educational topics on the sport they represent.
What you would need in this case is 'Media professional liability"/ This covers...
Adrian Said:what is the best company to get public liability insurance from?We Answered:Depends on your trade.
You could try www.portwood.co.uk - look near the bottom and select the product range drop-down menu - you get comparative quotes for many occupations in the contracting industries.Mark Said:what is the law for a company to get a public liability insurance certificate.?We Answered:In our catering business that we bought, the owner gave us the PAT certificate which listed all items checked, but there were no stickers on them. They can fall off as they are only small red dots.
All perfectly legal.Viola Said:i need to get...
Lori Said:is there an insurance company that covers public liability on a donkey or ponies giving ponie rides?We Answered:Yes, any decent commercial insurance broker in yellow pages should be able to sort this out. I believe public liability cover is normally compulsory for equestrian centres anyway - one of the very few trades to which this rule appliesEva Said:public liability insurance? need a company?We Answered:There is not normally an age limit on public liability insurance policies. You may come across a couple that do but these companies should be ignored as there should be no age discrimination on...
Rafael Said:bouncy castle hire insurance help?We Answered:Insurance is just one issue that needs tackling when starting a Bouncy Castle Hire business.
The basis of operation is that all inflatable units must be supervised at all times. Almost all reported accidents are attributed to bad supervision.
The insurance you purchase will cover you against faulty equipment, incorrect installation and incidents when you or your staff are supervising.
When you 'dry hire' (leave a unit for the customer without paid supervision) then your responsibility ends once you have installed the unit and left instructions with your customer on how to operate the unit safely.
There...
Marsha Said:Public Liability Insurance v Business/Corporate class? Confused!?We Answered:I think the problem here is who you want to carry. Personally I be inclined to tell your employers where to stick their ideas of you using your personal car for their transport needs.
I'm guessing you would need to go to as broker who specialises in Taxi insurance but they may quibble at carrying kids without supervision.
Business insurance is one step up from Social Domestic and Pleasure and shouldn't cost you much more than normal Fully Comp but that may not cover you for carrying commercial passengers ( which the kids would...
Luis Said:Public Liability Insurance Germany?We Answered:Under an EU insurance directive your PL cover will work all across Europe but check the geographical limits of your policy to ensure you have a wide enough jurisdiction.
It is almost certain your underwriters will wish to be aware of the wage-roll of the staff going there to gauge the risk and the type of work they will be undertaking. Speak to your intermediary at the insurers.
xxFJAnnette Said:public liability insurance for a dwal?We Answered:hi I'm a herts girl lol..................
right what u need to do is to get on to the council as the insurance...
Kim Said:Where can I get a Public Liability Insurance for entertainers?We Answered:I believe AON Corp which operates in the US and UK as a broker or agent does entertainment liability. It is usually based on receipts, basically used as a value for the event. It is very difficult to obtain for small entertainers as they usually have high minimum premiums. You don't state what type of entertainment.
Also Company Insurance in the UK advertises that they cover entertainment and leisure insurance.Jessie Said:How do I get public liability insurance for a 2 day film shoot?We Answered:You're using the wrong agents....
Donald Said:Can purchase yearly liability insurance which covers me in rent-a-cars?We Answered:You can purchase a nonowners liability policy that will transfer to the rental but it will be expensive (about as much is if you owned an older car that needed liability only). This will transfer, but you will still need to purchase the comprehensive & collision coverage from the rental car company because a nonowner policy is liability only.Sonia Said:I need to purchase, public liability insurance cover 2 days only for about 60 people.?We Answered:It's called "special event liability" - maybe K&K Insurance.
Does your sports group have an...
Jennie Said:How can we afford universal health care?We Answered:Yes - if we can afford a zillion-dollar war, we can afford universal health care....
Ralph Said:how much is business insurance for a restaurant?We Answered:It depends how many people you serve, there is no standard for getting a quote without stating your state. Generally it should be 2000 a year for a 5 table small restaurant, for larger ones 2000 - 10000 a year. Check out this company's website http://www.metropolinsurance.com/
Good luckBernard Said:To insurance agents, any tips on how to approach a business to try to give them a quote?We Answered:The commercial business is very competitive, but here is how you can approach a business owner:
Hello, Mr. Jones. My name is John Doe, and I represent...
Mitchell Said:what is an insurance quote?We Answered:A price, for insurance....
Melanie Said:How do I FIND affordable business insurance for my cleaning business.?We Answered:I clean small offices, have for years. The internet isn't the best way to shop for insurance. Let your fingers do the walking and call EVERY insurance agent in the phone book because the price does vary a lot! It may take some time but will be worth it. Plus you may pick up a customer!
Since you're starting, you may want to check the links in My Profile-I have a Squidoo lens and blog with lots of resources and tips!Andrew Said:Business insurance: Okay to be...
Victoria Said:Who will offer me the cheapest quote for professional indemnity and public liability insurance?We Answered:based on your condition,I believe you should find something useful here http://www.InsuranceFreeTip.info/insurance-for-free.htm .Arnold Said:Where can i find a quote for California Private Patrol operator liability insurance? How much is it normally?We Answered:Contact a local P&C agent.
Property and Casulty, that is. Some agents have earned a CPCU. If your phone book has this catagory, contact one of them.
There is no 'normal' rate, since it depends upon how many guards you will have, their weapons training, and the risk of...
Miguel Said:where can I get cheap business insurance in CA?We Answered:There's no such line of business as "business insurance". It's liability, or property, or some such. You're looking for a business line of credit, so maybe the bank wants $35,000 of PROPERTY coverage? Liability coverage - likely that million dollar bit - isn't going to satisfy the line of credit. And it's darned hard to buy ONLY $35,000 of liability coverage - and if you do, it will cost the same as the million, so a GOOD agent will only give you...
Juan Said:What can you be bought for? Do gimmicks actually work?We Answered:I think an immediate reward will get you more quotes; i.e. a free gift for coming in for a quote. However, a calculator doesn't really seem like a good draw.
Could you combine the ideas? Maybe go to a local restuarant (perhaps one you have a customer) and try to work out a deal with them. You give them a 15% discount on their insurance and they comp you some $10 gift cards to their restaurant to give as quote incentives. This would...
Anthony Said:where can i get a resturant fire insurance quote?We Answered:From different insurance companies.
Call some of them, and they will send someone out to give you a free estimate.Lewis Said:Hi can I have anyone who is a restaurant or kitchen manager opinion?We Answered:If you've worked in this industry for 10 years, then you should be able to tell if the guy is extremely busy, or if he's been yanking your chain.
It is a possibility that he may have wanted you "out of the way" in order to hire a friend of his.
It's also possible that he is checking to...
Naomi Said:who is in the wrong in this car accident?We Answered:If you were on the correct side of the road then you were in the right although it will be hard to prove without witnesses or photographic evidence.
I expect it will end up being knock for knock.Leon Said:How do I obtain permanent resident status in the UK, if I'm a citizen of the USA?We Answered:You could not get permanent residence (ILR - Indefinite Leave to Remain) straightaway. It sounds like you need to apply under the Points-Based System for a visa (what used to be a Work Permit). there...
Marcus Said:Insurance for a retail business?We Answered:An average premium means nothing because there are too many variables that affect the final premium.
What type of business? (are we talking about a Hallmark card shop or a jewelry store)
What is the total value of your inventory?
Do you own the building you occupy?
Are there other occupants in the building?
Do you have any other locations?
What are the total annual sales of your business?
Do you have employees? (i.e. Workers compensation insurance)
Do you plan on providing health insurance benefits for employees?
Will your business need to deliver the products you sell, such as furniture, that might require...
Charles Said:Progressive Insurance commercial actress?We Answered:Sorry, no. The actress on the commercial is Stephanie Courtney. She does share some of the same features as Rose and personality.Rodney Said:Did you guys see the Commercial with the oxi-clean guy in it...He's now selling insurance?We Answered:He sure does YELL.
My 3 year old son saw him once on a commercial and started running around the house yelling - "HI! THIS IS BILLY!"...
Alfredo Said:i have a licensed & insured body /auto collision repair shop? how do i get business from insurance company's..?We Answered:Marketing, baby!
You contact all of the insruance companies, and you negotiate a really low rate for any business that they send your way. One of the body shops I insure, is a Progressive referral shop, and they bill Progressive $20 an hour for labor.Earl Said:How much would insurance be to open a pawn shop?We Answered:Astronomical. Pawn shops have guns and knives in them. That's dangerous. Get with Minnesota BBB and get your answers. Nobody here is gonna...
Carrie Said:Scenario: corrupt work enviroment reported sexual harassment and workplace harassment....?We Answered:contact a lawyer, it doesn't cost anything to have your case reviewed and if they feel you have a case they won't charge you until and if you get paidJosephine Said:What program, if announced today at 10am, would fix the situation?We Answered:I agree with you that it is not the housing market causing this meltdown. Leverage and speculation drive the market. It has been orchestrated this way so to make the American people (those who took out loans they couldn't pay for) the scapegoat. My solution is somewhat radical:...
Beatrice Said:As a small Business owner,will I get fined under the Obama tax plan if I don't pay my employee's car insurance?We Answered:yes along with your overhead projector.Patrick Said:Why do freelancers, part-timers, small-business owners get easier access to car insurance than health?We Answered:Allstate can offer identical policies in all states for auto coverage, thus increasing the size of the risk pool considerably. Health insurers are bound by state health insurance legislation to offer plans that comply. For the most part, a company can't offer identical plans across state lines so the risk pool is much smaller than the...
Rachel Said:Why is it so hard on small businesses?We Answered:If you want to minimize your tax liabilities and and simplify your tax affairs the best thing you can do is to go and get advice from a company tax consultant. It will be money very well spent.Earl Said:How do I get liability insurance?We Answered:NO ONE will sell a policy with only a $10,000 limit. Or rather, it's going to cost the same, as $500,000 of liability coverage, so why bother? It's been DECADES since I've seen even a liability limit as small as $50,000. It's like...
Pamela Said:Should small business owners be the main character in their own TV commercials or use a professional?We Answered:Sometimes it is nice to see the owner in the commercial if it is a smaller business. It is someone who is more available and cares about the business. If they are not being ridiculous I think that it is very effective. Especially when you can go to the business and actually speak to that person. I'd rather deal with an owner who takes the intitiative to create their own unique ad than someone who hires someone else....
Kathleen Said:what are good small business insurance companies for...?We Answered:Let me help out a bit.
I can't think of ANY carriers that write both workers comp, and health insurance.
And unless your workers comp premium is in excess of $50,000, no one is going to be interested in writing it 'stand alone' - which means, you'll have to put it with the same company that does your general liability.
Depending on what TYPE of small business you are (Bakery? Construction? Vetrinarian's office?), and how "small" you are (it's in the eye of the beholder), and what kind of...
Claire Said:I need to find a general disclaimer to absolve liability for my small business? Help?We Answered:what kind of liability? I'm sure you've installed software more than once on your computer. They all come with disclaimers you have to agree to before you can install and use the program. Look at some of the more simple ones to form your own. It's very hard to find those kinds of documents online for free. You might try posting this question in the business section too. There may be some state and/or federal guidelines you should...
Dana Said:How hard is it to handle your own accounting for your small business (general contractor)?We Answered:Start off with Quicken. If you outgrow Quicken, upgrade to Quickbooks Simple Start.Gertrude Said:I would like to start a small general contracting business but I don't know how or where to start.?We Answered:Go to City Hall in your city and talk to their Redevelopment Department. They will be able to provide you with the info you need. If you're a college student you could probably get an internship as they hire a lot of interns. They may have other jobs in the department...
Jamie Said:What's it like being laid off in this economy?We Answered:Maybe this can help
http://www.salehoo.com/?aff=xxbiglizxx&t…
http://www.worldwidebrands.com/?kbid=253…Sean Said:I am looking for a book to help me in starting my own insurance agency, any one know of one?We Answered:Given that you have 3 years industry experience you should be fairly embedded in the community. I would suggest reaching out to a local agent that specializes in a product you have no intention of selling and pick their brain a bit. Each state has different angles and depending on your product experience you may not even qualify for a business entity license with the...
Dawn Said:need a software for marine insurance brokers?We Answered:AMS is a popular program, but I personally use QuickFile. They are a lot cheaper than AMS and while they don't do everything AMS does I found they did enough to satisfy my needs. They are tailored more for personal lines customers but all I use them for is commercial and things have worked out great. They've got most of the Acords included in the software so you can fill out the forms and store them with the client's info. I'm putting their website in the source section.Perry...
Tamara Said:Getting health insurance for a small business?We Answered:I don't know any other way apart from filling forms an speaking to agents.
You can try http://www.best-american-insurers-free-c… they are quick and won't ask for much employer info, just general.Claudia Said:What is a good but cheap small business insurance company for liability only? I'm in Southern California.?We Answered:You can't buy business insurance directly, without an agent. Also, most companies are only interested in writing a particular type of business. You'd get one company for a drycleaner, for example, and a different company for a cleaning service, and still a third company,...
Clyde Said:If you are a small business; starting to franchise all over what insurance company shold I go to in dif states?We Answered:I don't believe you understand what "Franchise" means. You are allowing another individual to use your business model and he will pay you monthly royalties for that right. Why would you need insurance? The franchisee will have to get their own insurance. Are you really meaning "Expansion"? Talk to who you have insurance with now and see what they are capable of covering.Leroy Said:How much would it cost me to provide Health insurance to...
Phyllis Said:how much money does basic small business insurance cost a monthWe Answered:Restorations, does that mean you're a contractor?
It entirely depends on exactly waht the business does - if you're doing roofing, and you have 8 employees, this could easily run you $30,000 a year, without benefits.
You didn't give anywhere NEAR enough information for even a guess.
There's no such thing as "basic", and "small" is extremely subjective.
Some small businesses pay over $100,000 a year for their insurances....
Caroline Said:how much does workmans comp. coverage cost a small business?We Answered:Workers compensation premiums vary by state but the rates will not be unreasonable for your type of business. Final premium will be based on your total payroll so you want to be sure to include that cost when you are calculating proposals for jobs. Check with the agent that will be writing your general liability insurance he/she will be able to give you a rate per hundred of payroll.
Unlike workers compensation there is no legal obligation to provide health insurance for your employees.Julie Said:must a small business owner...
Rose Said:Where can I get an online estimate for small business insurance in Pennsylvania?We Answered:Do not make the devastating error of attempting to insure your business without professional help. There are too many vulnerabilities you don't want to expose yourself to. See a property and casualty agent or agency that specializes in business coverage.Vincent Said:Is arson covered in any small business insurance plans and will they ever pay to rebuild the small building?We Answered:A standard commerical fire policy will pay out if the fire is caused by arson.
However, the insurer will go to great lengths to avoid paying...
Marshall Said:Where can I get a low-amount business liability insurance policy?We Answered:Call some local insurance agents. If you have a policy that low and have a claim filed legal fees could eat up most of the policy.
Have you considered getting a Pre Paid Legal plan?Deborah Said:Small Business General Liability Insurance rates for premiums and audits?We Answered:Each company is allowed to base premiums on whatever they want. So yes, one company might use payrolls, one might use gross sales. Square footage is possible, and "unit" is possible, and there's also a thing called an "a" rate, where the underwriter...
Joel Said:Is insurance required for small business in Ontario?We Answered:The only mandatory insurance coverage is for automobiles, however some occupations require insurance coverage in order to maintain a licence (i.e. physicians and malpractice insurance). The landlord or property management company from whom you are renting the space from may require you to at least carry a liability policy, so be prepared for this.Stephanie Said:I'm a small business, where can I get insurance just on my stock?We Answered:Sure, there are lots of companies that would do stand alone property coverage.
The thing is, it's going to COST you more, than...
Caroline Said:Small Business Insurance Question.?We Answered:Sure, any local agent can do that. The PROBLEM is, the PRICING goes up through the roof, if you insist on cafeteria style coverages.
So. Do you want INEXPENSIVE coverage, that includes things that you don't need (btw, liability doesn't limit itself to people at your house, it typically includes product liability for the things you sell)? Or would you rather pay 2 - 4X as much, for a custom policy with not as much coverage on it?
Usually when people complain to me about extra coverages, what they're REALLY saying is, I...
Heather Said:How easy is it to register a small dog walking business in UK for taxes?We Answered:Strictly speaking you have to tell the tax office that you are going to be self employed. They will confirm this. All you have to do then is keep a good record of cash received and expenses paid out for the business. Near the end of the year you will get a self assessment form which you must complete. The tax office will calculate the tax, if any, for you if you get the form in before a certain date. You should also get...
Pamela Said:If i open a small business in NY do i need business insurance?We Answered:It depends on the type of business as far as the cost would go, but, yes, liability insurance is required for businesses.Julie Said:small business insurance?We Answered:Business liability is specifically excluded on a homeowners policy. So, if you have a client come to your house & they get hurt & sue you, you will have to pay any court award, your homeowners policy will deny coverage. Also, most homeowners policies give about $2500 on premises business contents (your contents, not others contents). Anything that...
Matthew Said:Can a small business pinpoint who caused their group health insurance premiums to go up?We Answered:Contrary to the above answers in most states a small group premium can go up based upon the claims history of the group. It is not uncommon for premium to go up two to four hundred percent just for that one group.
Because of the HIPPA privacy laws there is no legal way for a business to pinpoint who causes the premium to increase. However, in most small groups it's fairly easy to figure it out because it's usually someone who spent time in the...
Claire Said:I want to start small business, how do i stand with VAT and tax (uk)?We Answered:You'll need to register with Inland Revenue (HMRC) within 3 months of setting up your business to say that you are running a business. You usually only pay tax on the profits of your business and you don't start paying until you reach a certain level. (You'd need to check this out with HMRC.)
VAT is similar in that there's no compulsion to be registerd for VAT unless your turnover reaches the threshold point - around £68K, I think. It can be...
Phyllis Said:Small Business Insurance Question Michigan?We Answered:You need a general commercial liability policy (GCL) Check with local agents in your area.
They will want to see:
how long the business has been established/ yrs of experience.
Your annual payroll
3 most recent jobsLonnie Said:Whats the best avenue in obtaining Small business Liability Insurance?We Answered:Use this site to find an independent agent in your area. An independent agent represents more than one company so they have a better chance of having a company that will be able to write the insurance he needs.
http://www.iiaba.net/agentlocator/findag…Anna Said:Help on assignment: small business insurance for...
Luis Said:How much is liability insurance for a small business?We Answered:Depends on what the small businesss does! Not to mention gross receipts, payrolls, and exposures.
If you're an accounting office, $500 a year. If you're bringing documents to an oil rig, $75,000....
Seth Said:State required liability / work comp Ins. loopholes covers NOTHING- who is liable?We Answered:The buyer that assumes coverage and does not verify the coverage purchased is adequate for the business and will provide the coverage the business needs is at fault.
It is only fraud if the insurance policy states that they will cover some event and then they do not. You have not shown that. It sounds to me like you bought a policy that provides specific coverages and thought the policy covered more or different losses. If you buy health insurance, it won't cover damage to your car...
Monica Said:Where do i apply for a small business loan easily if i dont own any property?We Answered:No lender will talk to you unless you provide them with a valid business plan. Go to http://www.sba.gov , http://www.score.org or http://www.bplan.com for sample business plans and instructions on how to write a business plan.
Then, go to http://www.score.org/ and in the upper left hand corner, enter your zip code. On the next screen, you will get information on the nearest SCORE chapter. Call them and arrange for a free meeting with a SCORE counselor to review your business plan and...
Gilbert Said:small cleaning business has been underpaid for work as client thought quote was for 2 cleaners refusing to payWe Answered:i cant see the problem, they are trying to get out of it by using a technicality.
surely if for example 1 person takes a day, then 2 people would take half a day and if the 2 people are being paid the same rate as each other the cost would still be the same whether 1 or 2 people did it?
they have had your services and the job you were asked to do has been done, therefore they should pay...
Nicholas Said:What breed of dog is in the Traveler's Insurance Commercial "Trouble"?We Answered:"We're unsure of the breed actually. He's a? 'rescue mutt!'"
- TravelersInsurance
it looks like a west highland terrier mix tho...
Craig Said:What are the requirements to start a small health insurance company in the Phiippines?We Answered:I am not familiar with the commerce regulations in the Philippines but Understanding their form of government I would very to say that it is some what friendly with the US in relations .
I would Start with looking up their government offices. Probably in Manila. Find the commerce section and what is State funded ( like Canada etc) and what is not.
As in the US you would have to have some capital (Capital surplus) as required in the US.
Seek out a Filipino...
Frank Said:How much to orthodontist take out of their pocket to make their business better?We Answered:don't forget how much it costs to:
Keep dental nurses, receptionists, hygienists etc on the payroll
Study a degree in dentistry in the first place
All the materials for temporary fillings/permanent fillings/root canals etc
Pay the water bills
The list goes on and onArthur Said:Where can I find examples of successful business plans for dot com start ups, including financials?We Answered:visit this link
http://www.bplans.com/
you will find structure of each n every sector of businessLucy Said:Which area of business should I specialize in?We Answered:Well, if you want to open your own business,...
Elmer Said:PLEASE RESPOND: What is the cost of a cleaning Business license plus Insurance in Texas?We Answered:Here in Houston, you don't need a "license" to clean houses with no employees. You don't need workers comp. The liability will cost you around $1200 a year, and you have to pay it in full.
Most people cleaning houses by themselves, do it "under the table" with no insurance.Willard Said:Im starting a business in Texas. How do I avoid workers comp insurance?We Answered:Is it just the three of you; and if so, why do you have a problem with a partnership? ...
Nicholas Said:What is the name of the car insurance that covers the car no matter who is driving it?We Answered:Not all of them... some policies allow for the reduction in liability limits (down to the minimum required by law) if someone is driving your vehicle and not listed on the policy, period. The states that allow this usually hold the _driver_ responsible, not the owner.
As mentioned, most policies will cover any driver, as long as they should not be listed on the policy, but not all will.
I just read that GEICO offered a rider to insure anyone driving your vehicle....
Cheryl Said:with commercial insurance I need to know what it means when the defense costs are outside the policy limits?We Answered:Will it be cheaper to Defend against the lawsuit or pay off the claim?
If the Defense Costs are outside of the policy limits then it would be cheaper to just try and pay off the person filing the lawsuit....
Donald Said:I have posted my resume online.This is my first time. I am reciving alot of emails.?We Answered:Hon, there are so many scams on the internet that I just wouldn't go for it. If you really want an LPN job then you need to check with your local newspapers and hospitals. They should have job hot lines posted at each hospital you can call also.
beware of anything on the internet. Always google any site you read about and check it out. The latest scam I found out about last night was google biz kits. They act like they are from...
Calvin Said:Insurance ???We Answered:You can get commercial auto insurance in your person name if it is commercial use. Sounds like it is. Also, it sounds like the truck is over 10,000 GVW & if it is, it does not qualify for personal auto insurance. Call your agent & find out. You may have to put your business name on the vehicle to get a commercial package. Otherwise you will probably have to get the policy with Progessive on their business auto policy. Your young driver will still need to be listed on your personal...
Eleanor Said:A friend of mine is starting a carpet laying business - what types of insurance should they consider?We Answered:I've had a carpet laying business before. You can spend more money on insurance you dont need, it's incredible.
You can't lay carpet alone, you need help...either an employee or a partner in the business. It's very, very easy to screw up you back or your knees in this business. Who is this help going to be and how are the medical bills getting paid. Very important to know the plan here.
You will encounter a few wonderfull customers that,...
Ray Said:Travelers insurance what type of green car in commercial?We Answered:A 1991 Nissan Figaro
http://commons.wikimedia.org/wiki/File:Nissan_Figaro_Front.jpgJeffery Said:Insurance Commercial....starts with man picking up Baby's stuffed animal?We Answered:The commercial is for Liberty Mutual.
The commercial basically implies that when someone sees a good deed being done, they will in turn do something nice/good for/to someone else.
Now what that has to do with Insurance, hopefully someone else can tell you that.
I just like the commercial
********************* more info - your email wont accept mail.
The commercial is for Liberty Mutual
The song is called "Half Acre" and is sung by Sally Ellyson (member of the band "Hem")
p.s. the Hem...
Johnnie Said:Can you tell me some types of insurance which?We Answered:Public liability insurance - to cover injury to the public
Employers Liability insurance - to cover injury to employees
Material damge - to cover the damage to the zoo itself.
You may need professional indemnity insurance if you give advice e.g. on how to look after exotic creatures
There are bespoke policies on the market aimed at this sort of venture - these policies will probably include - treatment of animals, business interruption, goods in transit.
For your staff/yourself you would need personal accident and sickness cover, probably private medical cover, key-man cover (to cover...
Daisy Said:how do I find out from the net if a UK business is for sale?We Answered:depends why and how it's for sale.
Flotation - it will be pushed through by a finance house with a lot of marketing directed at rich people and brokers. It might break cover on the net in that circumstance, close to the flotation date.
Trade sale - they're probably negotiating privately, and have no desire to publicise the fact. The net will know nothing.
Administrator/receiver - statutory notices will come out in statutory timescales. Not sure where - might be newspaper announcements.Rose Said:I'm...
Theodore Said:Hi all i m a registered member of Naukri.com i recd the flwing mail from diamond offshore Uk is it true ?We Answered:No, they are trying to obtain your personal information so they can misuse it. Do not send your CV or a copy of your passport because they will use it for fraudulent purposes.
They say they have received your CV, so why would they ask for it again?
The email states 'Can be able to start up employment on August 2008 and October 2008'. But it is now 2009, this is clearly a scam email.
Often when something...
Michelle Said:What is the best Credit Insurance company in the UK? Has any one got any experience of using them?We Answered:You have a choice - either go to a credit insurance underwriter directly for an 'inhouse' quote - AIG used to be good before they went broke! - you really need to be a big business for them to talk to you though.
Best bet is to go through a broker. They usually have a better range of credit insurance options and work harder for you as they only get paid if they place the cover. UK Credit Insurance (below) are...
Tracey Said:Best place to get pet insurance in uk?We Answered:Pet Plan
http://www.petplan.co.uk/
More Than
www.morethan.com
Virgin Insurance
http://uk.virginmoney.com/pet-insurance/
Allianze Direct
www.AllianzDirect.ie
Animal Friends
http://www.animalfriends.org.uk/
Halifax
http://www.halifax.co.uk
Get Quote - compare
http://www.get-quote.co.uk/petinsurance.…Penny Said:UK only - Is it possible to get a dog insurance policy - only for third person liability?We Answered:How much are you willing to pay? MOST of the time, you can by ANY type of insurance - if you're willing to pay enough.
The cost effective way to do this, however, depending on his breed, is to buy a renter's insurance policy. If he's a high risk breed, you'll have to be willing to pay thousands.Max Said:Liability Insurance for...
Christina Said:Is a foreign loan OK for starting a small business?We Answered:Don't send them any money.
Tell them to deduct it from the $20K they are willing to lend you....
Elsie Said:Why do people think Obama is an honest politician??We Answered:A Pew poll – of 25,000 people in 24 countries – found that in all but two nations, people put more faith in Obama than in McCain to “do the right thing” when it comes to world affairs. One of the two exceptions: the United States.Katie Said:Libs, why are so many unions getting Obamacare waivers, claiming less affordable coverage?We Answered:Do you notice how if a conservative REPORTS what the U.S. Department of Health and Human Services PUBLISHED, all Democrats ACTUALLY BELIEVE the conservative made-it up and is lying?Curtis Said:What does...
Peggy Said:starting a van rental business?We Answered:I don't think 6k would be enough. You'd need at least two vans, advertising money etc.Mildred Said:What type of insurance do i need for my cleaning business?We Answered:Public liability insurance
http://www.premierlinedirect.co.uk/Marilyn Said:Van Insurance. What should he do?We Answered:There can only be one policy on the vehicleTyler Said:vw camper insurance says not to be used for business purposes. does this meant i cant drive it to work?We Answered:Travelling to and from a permanent place of work is normally covered under your social, domestic and pleasure section of your policy, as you technically aren't yet working. You...
Marvin Said:Can you make a living driving a 16ft box truck?We Answered:well no don't even think about doing that your will lose all ur money there r too many truck in atlanta small trucks don't make any money i had one wasted my time i had to go get my CDL to make any money the trucking business is really crazy i suggest u get ur CDL buy a tractor trailer and get a broker and have them get you jobs
check out this load board u will see there is no work for small...
Virginia Said:what the best cheapest 1 day van insurance in uk?We Answered:Try searching for short term insurance on Google, there are a fair amount of insurance companies that offer day insurance cover nowadays.Marian Said:where could i get a non owners car/van insurance policy in the UK (like police etc)?We Answered:There are tons of places where you can get a free insurance quote. http://www.goodinternetdeals.com/Auto-Insurance.html It only takes less than 10 minutes to do.Rosa Said:UK Camper Van insurance inc. business usage!!!?We Answered:Try Footman James of Cradley Heath, or Carol Nash ins, Google it for details.Vanessa Said:how much is a usual van insurance...
Maria Said:Are there any business besides the DMV that allow you to pay vehicle registration and that issue tags?We Answered:No just the DMV. Wait till Monday.Sylvia Said:Can I deduct repairs to my vehicle for an accident while traveling for business as a business expense?We Answered:After adjusting for insurance, your insurance reimbursement lowered your basis. What you spent for repairs increased your basis. Basis is part of depreciation, not every day expenses.
So, no, you do not get to deduct towing or deductable. (Form 4684 won't give you much from these either since I doubt they are more than...
Allen Said:What type of insurance is required to drive developmentally disabled clients in my personal vehicle while worm?We Answered:You need public auto liability - related to taxi and limo service.
Yes, you can buy the coverage for a privately titled vehicle, but it's EXTREMELY expensive - the liability ALONE starts at $5,000. And MOST insurance companies won't cover you at all.
Your personal auto policy cannot be endorsed, to carry people for a fee.
The way out of this, is for you to drive the family's vehicle, when carting around their client. The family can insure it MUCH cheaper...
Elmer Said:What kind of business insurance do I need for my daycare?We Answered:You can purchase a commercial package policy which will provide coverage to protect your business personal property, betterments and improvements, loss of income, and commercial general liability. If the daycare plans on purchasing an automobile, you will need a commercial automobile policy. If it will not own an auto, then you will need to add hired and non-owned auto coverage to the commercial package policy so that the daycare will be protected against any liability claims arising from an accident if an employee uses...
Dorothy Said:What is the Song in the Progressive insurance Commercial? I REALLY NEED TO KNOW?We Answered:No, the Royksopp song is for GEICO. Two different companies....
Alberto Said:Some of you have been convinced to buy Health Insurance as a result of watching a talking 'duck' on a TV?We Answered:He gonna give me the free gas and pay ma mortgage!
If I hep him, he gonna hep meh- Peggy Johnson at an Obama rally.
Do I have to explain this? I think you know.Stephen Said:What is the name of the health insurance that supplements Medicaid coverage?We Answered:There are a whole bunch of them, and they don't all operate in all states....
Nancy Said:In Canada, what are all the good designations to acquire as a Commercial Insurance Underwriter?We Answered:CIP
http://www.insuranceinstitute.ca/iicCont…...
Marshall Said:What ,in your opinion, is the worst commercial on t.v.?We Answered:The ones with the cavemen. I can't even remember what the commercials are for! Those guys give me the creeps and now they have their own show on T.V. I heard it was not that great. Hopefully it will go off the air soon.
I also hate all the commercials for fast food. Especially McDonalds!! All they make me do is want to eat that crap!! I guess that is why they are made...to get the people who eat healthy to stop eating healthy!!! Don't get me wrong, I...
Cindy Said:as a contractor with general liability insurance what is the % that i can deduct from a hired subcontractor wiWe Answered:You need to look at your insurance rating page, or call your agent. For general liability, you just increase his pay less materials to the same class code as your employee - an uninsured sub will be treated as an employee come audit time.
Same thing on workers comp - having a sub without a cert of ins. will mean they are considered your employee for workers comp purposes.
SO. If he's a roofer, you're looking at 15-20%...
Tyrone Said:Is workers compensation insurance on a scale?We Answered:Work comp works similar to your personal auto insurance, the more accidents you have the higher your premium will be. Every employer has what is called an 'experience modifier' (ExMod). The more claims you have against you, the higher your exmod will be. To get the rates, they take the standard rate for your class code and multiply it by your exmod to get your current rate.
What this means is that if the annual WC premium is $500,000 for a company with exmod of 1.00; if the same company has exmod...
Frances Said:Does personal auto insurance not cover you if you have a business sign on your car?We Answered:Some insurance companies will not insure business signs such as pizza delivery, or other delivery vehicles, due to the high exposure and high miles. A simple business such as landscaping or appliance repair can be insured as a business or commercial class and will be covered. Check with your insurance company (without giving your name) to see about getting the correct coverage. Good luck!Jason Said:Can you include business insurance as part of your Tax Allowable Expenses?We Answered:Yes you can deduct...