NLIC.org

Leslie Said:

Insurance for my business?

We Answered:

Your will need to request what is referred to as Commercial General Liability which protects you if a customer gets hurt while in your business premises (Store, Shop, etc).

Also it covers you if you or your emplyees cause damage to someone's property or cause someone to get injured while catering or on performing another type of service at a wedding.

Other coverage's to consider:
1) Commercial property coverage if you want to cover your
business property (inventory, equipment, contents of the
business, etc).
2) Hired and non-owned auto - even if you business doesn't
own a vehicle this is an important coverage. It protects
you if your employee is in an accident while using their
own car for your business. Even though they should have
their own liability insurance on their car, that doesn't
protect you. Someone can still name you in a lawsuit
because they were using their car while on the clock.

Most of these coverages can be packaged together into one policy.

Another thing to keep in mind is that premiums can vary greatly from one company to another. Following are some links where you can get multiple quotes which will increase your chances of getting the best rate:

http://www.dpbolvw.net/click-3014621-104…
http://www.jdoqocy.com/click-2977717-104…
http://www.usinsuranceonline.com/usio/in…

By requesting quotes from each of the above links and then
taking the time to call the companies once you receive your quote, having them go over the policy with you and asking them if there is any other coverages that you might want to consider, you should be able not only get the best premium but also get a good policy.

I hope that this helps!

Lorraine Said:

Has anyone been pregnant and changed jobs? What happened with your health insurance?

We Answered:

Generally, one of the things that HIPPA did was to make insurance portable. That is supposed to generally mean that if you currently have health insurance and change jobs, any "pre-existing" conditions that were being covered by the old insurance should contiune to be covered by the new insurance.

Even if the new company has a waiting period to get the insurance, you should be able to get COBRA on the old insurance until the new on kicks in. The most you SHOULD have to do is get a letter of coninuing coverage from the old insurance company.