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Liability Insurance For Beginners

Liability insurance, also commonly known as public liability insurance is something that all self-employed persons should consider even as early as when writing their business plan. Liability insurance should be considered a necessity for all self employed people whether they are manual, clerical or a professional trade who wish to protect their business.

The standard benefits of a public/products liability policy are that you are insured for your legal liability for injury, illness or disease to any member of the public, loss of or damage to their property occurring during the period of insurance. For example if you are a plumber and accidentally flood a property you are working on, the cost of the damage will be covered under your liability policy.

With a public liability insurance policy you normally have three standard options for your level of cover required. The limits of indemnity are £1,000,000, £2,000,000 and £5,000,000. The limit of indemnity that you are covered for simply means that the insurance policy will cover any insured peril up to the limit required ie £1 million. When choosing the level of cover you require you should consider the value of properties that you work on. For example if you work on a school you should have a public liability level of indemnity that is sufficient to rebuild the school if required. If you work on very large properties you may require a level of indemnity in excess of £5 million. This can be arranged by purchasing an additional liability policy called an excess layer. This policy is in addition to the standard policy and can increase the level of indemnity to £10,000,000.

Employers liability insurance can be added to a public liability policy. Employer’s liability insures you for your legal liability for injury, illness, death disease or nervous shock of any employees caused during the period of insurance. If you have an employee or a labour only sub contractor you are legally required to have employers liability insurance. The minimum level of employers liability insurance is £5,000,000 by law but most insurance companies have a level of £10 million. An example of an employer’s liability claim is if your employee was on a faulty ladder and fell and injured themselves . Employer’s liability claims are normally for higher levels than public liability claims.

Under a liability policy you can also have the optional extra cover of tools insurance and goods in transit cover. Tools covers are for loss or damage to hand tools and hand held portable tools owned or hired in by the insured. The level of tool cover is normally from £1,250 to £2,500 with a single article limit of £250 approximately. Tools cover can also be increased to include theft from an unattended vehicle. Goods in transit can also be included for up to £2,000 for any one occurrence.

Finally before purchasing a liability policy you should make sure the insurance company and the insurance broker are regulated by the Financial Services Authority. The Financial Service Authority (FSA) regulates all British insurers and brokers. This regulation is to protect the customer. Also due to this regulation insurers must provide what is known as key facts or a policy summary for any insurance policy they have available. These are perfect if you want a quick overview of what the policy does and does not provide cover for.

The Perfect Mortgage Solution – 3 Steps to Success

Obtaining the  perfect  mortgage  solution  is only possible if you take your emotions out of the equation. Whether you are buying a new home or refinancing your existing home, there are certain steps you can take in order to achieve the best rate at the lowest cost. First and foremost, you need to be honest with yourself. Make financial decisions based on the facts of your individual situation. As the recent mortgage debacle has proven, too many borrowers placed themselves at risk and set themselves up for failure. Granted, the relaxed underwriting standards contributed to the problem, but the bottom line is ultimately you are responsible for your financial well being. With that being said, there are certain steps you can take right now to put yourself in the best possible position in order to obtain the  perfect  mortgage  solution .

Step #1: Get a copy of your credit report.

If you are thinking of buying a new home or refinancing your existing home get a copy of your credit report right now. You can do this on-line at any number of sites or you can contact any mortgage broker and they can run one for you. If you get yours on-line pay the extra cost to see your credit score. The average credit score in Missouri is 683. Your credit score is one major factor that is going to affect your rate. Look your credit report over very carefully. If there are any incorrect entries or any suspicious activities highlight the item or items. Towards the end of the report you will find instructions on how to dispute any items within the report. Take action immediately and be very thorough. Keep accurate notes of any person you speak with, get their name, phone number and keep copies of all correspondence, even the letters you send out. Also note it takes time to clear inaccuracies. Be patient and be persistent.

Step #2: Get Pre-Approved

The next step you need to take is to get Pre-Approved. The Pre-Approval process will let you know exactly how much home you can afford. Just because you are approved for a loan amount of $300,000 does not mean you have to go out a buy a $300,000 home. On the contrary, we recommend you take a more conservative approach and stress comfortable affordability. By that I mean you need to look at your overall financial picture and your short and long term financial goals. Be able to pay your mortgage, bills, and credit cards and have money left over every month to put into savings. At least have two months in reserves so that in case of emergency you could pay all your bills with no problem. By the way, the pre-approval process should be free.

Step #3: Educate Yourself

For most of us our homes are our largest investment so take the time to understand the various types of loans available and the ramifications of each. If you spend less time researching your mortgage than you do a car purchase or that flat screen HDTV, you are setting yourself up for failure and frankly, the consequences of a failed mortgage permeate throughout other aspects of your life. I see it far too often and if there is one piece of wisdom you will take from this, is that your long term financial success may very well depend on your mortgage. Once you have a basic understanding ask questions. If your broker does not explain each concern to your liking simply find a different broker that will provide you the answers to your questions.

These are only three steps you can take right now but do not procrastinate. Get your financial house in order today. You will be glad you did and your mortgage will not seem like a huge debt to be paid down every month but an investment to be proud of for years to come.

Trust on Custom Software Development Company for a Perfect Software Solution

The rapidly changing business scenario emphasizes entrepreneurs to be prepared well in advance to fulfill their needs as well as of customers. With the use of Internet and different types of software, it has become comparatively easier to stay ahead from your competitors. However, the off-the-shelf software is not capable enough to meet individual requirements of the business. This has increased the demand for developing custom software solutions that can cater to the growing needs of the business as well as target market.

There are many custom software development companies that are fulfilling the individual demands in accordance with their business processes. While the number of companies is more, it is important to make a careful selection for a software application development firm so that they can provide a quality solution at a reasonable price.

While you are hiring a custom software development company, you must ensure that the company has experience in getting the critical tasks done as per the scheduled time. There are few considerations that can be a helpful guide for making the selection. These are:

1. Such experienced firms don’t restrict their expertise to a single field, but excel in different areas that can ease the working processes of all the different sectors.

2. The software professionals use the most sophisticated techniques to develop a solution that can be scaled with the changing requirements

3. The qualified software developers have knowledge to reduce the development time by deploying the product before time

4. The streamlined development process also helps in reducing the cost of the software solution

5. Such companies have set high standards to ensure bugs free software for smooth functioning

If you have been thinking of a solution that can fit with your most of the requirements, you can get it customized by trusting a software development service provider. You can begin your search from today by referring the above mentioned considerations to make your selection perfect.

Once selection is made, share your ideas with the software apps developers so that they can combine your ideas with their professional knowledge to make the most out of it. They will make sure to provide a solution that can meet your short-term and long-term goals by delivering a robust and reliable solution. However, you will need to build a trust on the company to get a perfect solution. They will provide you regular work updates to keep you connected with the development process from beginning till end.

Condo Dog Potty – Owner Invents the Perfect Solution

A Condo Dog Potty is almost a “must have” when you have a dog. It makes it so convenient for both you and your dog. This is really true for dog owners who live in a high rise or condo where it is not easy to get access to a grassy area. That plus trying to get you dog outside quick enough before he has an accident.

One particular dog owner who lived in a condo realized that necessity was definitely the “mother of inventions.” He was dealing with the same frustrations that many dog owners have. He was living in a condo and had just gotten a new puppy. He did not have an accessible place for his new puppy to “go”. And after a “few” trips up and down stairs, the Porch Potty was birthed.

He named it the “Porch Potty” and the rest was history. It’s been the perfect condo dog potty solution for so many condo owners. It’s quite an innovation and its even been endorsed by Tillman the famous skateboarding Bulldog.

Tillman’s owner was very impressed with this dog potty. It’s portable, can hold real or synthetic grass, and with the automatic sprinkler system and drain on it, very little maintenance.

So if you’re looking for a condo dog potty, you might want to take a closer look at the Porch Potty. There are a lot of dog owners singing its praises and I can certainly see why. It shows you that necessity really is the “mother of invention”!

Life Insurance Protects Your Family

We need coverage on our homes, rentals, automobiles, and even our lives and children’s lives. You may ask what good this is while pointing out how much you do not use your automobile coverage or how much you pay in. The fact is if you get into an accident, you will be glad you have it. You may still be muttering. You will be glad you have it when the person you have gotten into an accident with comes to collect damages. The company will pay out for their repairs and injuries, so you can focus on healing. If you chose to get only liability coverage, you may still be on the hook for your own damage, but you will be glad you avoided the legal trouble in most states and writing a hefty check for the other person. The same goes for  life   insurance .

If your husband or wife were to pass away, the last thing you will want to deal with is money. Yet, funerals cost money. A little foresight will allow you to grieve without the stress of money, taking days off work and planning a funeral. You and your spouse should consider your options before tragedy strikes your home. There are many types of coverage, and depending on what you are looking for, you may want to do a little research. The most promoted policies are term and whole life. They carry different benefits. A whole life policy costs a little more but allows you to build savings. The company will offer a higher percentage rate than a typical saving plan. Another benefit is that you can often borrow against it. You can withdraw the money for a new roof and pay yourselves back. No questions asked, just call and ask for a check.

A term policy is going to cost less. The benefit is that your family can be fully insured for less money a month. You will want to talk with your agent to discuss how much coverage you need. Your agent will discuss other scenarios with you. For instance, what would happen if you were to both pass away and leave your children orphans? They will discuss how much coverage you would want for that. They will inform you on the types of  life   insurance  policies they offer that would protect your family.

Coupled with drawing up a will,  life   insurance  can be a gift you give your family. Like auto insurance, you will wish you never have to use it. If something happens and you need it, you will be glad you took the time to make this important purchase. Take advantage of this to discuss other plans to care for your family in tragedy. Be sure both spouses know where the bills are, all account numbers and any policy numbers. Do anything you can to make a terrible time easier. You will never regret taking the time.

Debt Settlement – The Perfect Solution If

Today, more then ever people need a break from debt. The two most common solutions are bankruptcy and debt settlement. Most people already know bankruptcy is the last possible thing you want to do, which leaves debt settlement.

The question is; does debt settlement really work?

Without a doubt yes, settlement or debt negotiation does work. The bigger question should be, is it right for you? Before we get into evaluating whether or not it’s right for you, let’s make sure you understand the process.

Debt settlement is the process in which a company will negotiate on your behalf an amount less then the balanced owed to your creditors. Typically a good settlement company can get the total balance you owe down to about 50 percent, sometimes even less. For most people facing financial crises, that is exactly the break they need.

For example; if you’re $30,000 in debt and making payments of about $1500.00 per month, that may be reduced to about $15,000 and 700.00 per month. Furthermore, if you’re currently behind on your debts, no doubt you’re getting pounded with creditor phone calls. Debt settlement companies will also deflect most of that as well by dealing with your creditors on your behalf.

So, let’s take a look at the downside of debt settlement and see if it’s right for you. We already know it will relieve you of a major portion of your debt but it has its drawbacks.

Two of the major drawbacks are costs of the program and damage to your credit report. The average debt settlement company will charge 15 percent of the total debt in fees. Personally, I think that is about double what it should be. Their services are invaluable to most people and worth a fee, just not that much.

The second drawback to debt settlement is the damage to your credit report. While you are in debt settlement, your credit is going to take a beating and don’t let anybody tell you otherwise. Chances are if you’re considering debt settlement or bankruptcy, your credit is already taking that beating, but if you’ve managed to keep your credit intact to this point and know you may want to buy a home in the next year, then debt settlement may not be the right choice for you.

Once you’re done with settlement with a focused plan you can be good as new in 6 to 12.

While there is no replacement for good judgment and making your payments on time, debt settlement has helped hundreds of thousands of people get back on their feet. You just have to know it’s the right solution for you.

Insurance – How to Find the Perfect Agent

First of all, you should consider your demands and needs: what exactly you want from your agent. What do you want to insure? life, health, disability, your car, your home or some other coverages. After you consider your needs, it is better of you to work only with one agent. If he has the enough expertise, he will provide you with the best program that can give you the coverage on all the major risks or at least he can fulfill your demands. By the way, it will be good strategy of you to regularly make a yearly review over the new plans for insurance.

Then you can use some other tools to find that perfect agent; you can use the word of mouth to ask about that agent. It can be the best and the easiest way, but be careful not to pay all your attention just on the price. Otherwise, you should be specific in asking for the one who can give you the best professional advice.

You can also be sure about some of the insurance courses that the agent may have been completed such as; Accredited Advisor in Insurance (AAI); Certified Life Underwriter (CLU), Certified Insurance Couselor (CIC) and also Chartered Property Casualty Underwriter (CPCU). In fact, these courses can be a very strong proof for reality of the agent that you are going to deal with, as it would refer to the degree of his expertise and his ethical behavior. If you have trusted a certain company by recommendations or by gathering information, you can get their help to give you that agent.

If you have made up your mind about the type of insurance that you are going to use, you can get the agent leads, then you can find some of those who offer the lowest prices. But, in this case, you should be careful about what you would call the lowest price. Here, you are sure about the insurance that you are going to buy, but you are not sure about the insurance that you really need and which may be with a lower price.

All what you want from the company here, is to tell you the names of some agents who are known as the best in the field of insurance, the most experienced and who can probe your needs, identify coverage gaps, solve problems, help you resolve claim disputes, do annual reviews, and, in short, provide greater expertise. Although these information are available to the company but for some reasons they would refuse to give you any of these information.

You can go to the local company office and ask for a list of the names of these agent. Here you can specify the names for those who have completed the courses that we mentioned above. Even if they do not have this list they would prepare it for you later.

In this stage, you have almost reached the end as the choices become very few and you can choose that agent from two or three candidates. But how could you be sure about the abilities and expertise of any one of them. At the same time, you do not have enough information or experience to interview them. At first you can meet them, then you may ask for a design for a specific insurance program in which you would define some of your own needs with the best coverage levels. Then you may meet them again, the agent with the greater expertise and greater care for you will be your future agent.

Insurance Companies Offering Mortgage Life Insurance

The majority of insurance firms will offer mortgage life insurance but what exactly is this ‘Mortage Life Insurance’ and what benefits does it provide to the prospective purchaser? How much does it cost and whom can obtain it?

Mortgage Life Insurance is designed to protect your outstanding mortgage debt in the event that you prematurely die. This is a valuable form of protection for your surviving dependants at a time when financial problems are at their most delicate. The most common type of mortgage protection policies is twofold;

Decreasing Mortgage Term Assurance

The benefit provided with this type of mortgage protection decreases inline with your outstanding mortgage loan. It is primarily designed to cater for a repayment mortgage given your monthly payments are made up of interest payments to the lender and a portion which goes towards reducing the actual loan amount. As you start to pay some of your loan balance over the ensuing years the amount owed also. Therefore, reduces and mortgage term insurance sum assured (the lump sum benefit) reduces inline with this.

This is one of the cheapest forms of mortgage life insurance given the payment which the lender may have to pay should you die before the end of the term is reducing and thus exposing them to a reducing risk.

Level Term Life Insurance

This type of mortgage life insurance also provides a lump sum benefit although with this cover the amount payable over the term of the policy (if you should die within this term) remains constant and does not reduce. This cover is also suitable for mortgage loan protection in relation to a decreasing loan balance (repayment mortgage) given the outstanding balance reduces but the cover remains the same providing your dependents with additional funds above and beyond your mortgage balance.

Clearly, this type of cover is a little more expensive that the decreasing term insurance for the reasons noted above and the consistent risk faced by the respective insurer. However, in most circumstances the difference in monthly premiums is as little as a few pounds more expensive.

Insurance companies offering mortgage life insurance vary to some degree but for the most part all firms will offer both these types of protection albeit sometimes with additional ‘add ons’ such as continuing your premium if you are unable to work due to illness or injury amongst others.

Both forms of cover provide an outstanding benefit to purchasers and can alleviate financial hardship in the event of an untimely death and should not be underestimated.

Perfect Auto Insurance

While you are having a bad credit history, it does not at all make you a bad driver; however, it will be useful in raising your auto insurance rates. Following are some of the means via which you can obtain cheap auto insurance rates even when you are having a bad credit history.

Bad Credit Auto Insurance:

It may be sounding strange but it certainly is helpful in affecting your auto insurance ratings with most of the companies. It has been stated by the Auto insurance companies that all those people who have bad credit file around 40 percent of the claims when compared with people with good credit. If you have a bad credit history then you should be aware of this that the insurance coverage that you are going to get is going to be 30%-50% costly as when compared to someone with good credit history.

The good news is that not all the companies require credit history and some of the states even do not permit the insurance companies to use this particular history. Thus, if you are declared a person with bad credit then you should be opting for insurance quotes from such companies that do not require credit history.

There are numerous web portals that are offering auto insurance rates from such companies that are rates as A grade companies. You can get professional assistance and opt for any kind of insurance policy that suits your requirements.

Lowering Your Auto Insurance Rates:

Following are some of the means via which you can lower down your insurance rates:

• Increasing your deductibles: increasing your deductible will be helpful in saving you with hundreds of dollars annually which you pay in your insurance premium. You will be figuring out that the money you saved on insurance premium will be more than your deductibles.

• Dropping down the collision and comprehensive insurance coverage: you need to consider if you really require having collision and comprehensive insurance coverage and if not then you can drop it as it may happen that the repairs are costing you too much then the actual worth.

• Merge the insurance policies: you can get discounts on different insurance policies if you are getting them from one company.

• Getting Discounts: all the insurance companies offer discounts on different policies. You can consult your agents and if you are eligible for them then go and get benefited.

Progressive Auto Insurance Company Review

Progressive Auto  Insurance   Company  is a well known and trusted  insurance  company  providing car  insurance  coverage to many US residents. Read this Progressive Auto  Insurance   Company  review to better understand what Progressive is all about and then decide if they may be a good fit to provide your car  insurance  coverage.

With so many automobile  insurance  choices the customers today have to do plenty of shopping around before deciding on which one to select. While some customers decide to go with small  insurance   companies , some other ones like the idea of being covered by an automobile  insurance  with nationwide presence. Reasons for this might be that big auto  insurance   companies  have more money which gives members security in knowing that they will be paid in case of an accident and they have a higher number of employees which in turn translate to faster claim processing. An automobile  insurance   company  that is known nationwide because of its commercials and its great customer service is Progressive Automobile  Insurance   Company . Progressive was started in the year 1937 by two lawyers by the names of Joseph Lewis and Jack Green for the sole purpose or providing vehicle owners with security and protection.

An important thing for the company has always been innovation, and they continue to strive for it through the years. Progressive was the first to offer a drive through  insurance  claim service and the option of paying the premium in installments, the later one which attracted those customers who could not pay the whole payment annually. They became a publicly traded company in the year 1971 and they moved their headquarters to the city of Cleveland. By 1987 the company surpassed the $1 billion in premiums and it only took them 7 years to surpass the $2 billion margin. They kept expanding and now they not only offer automobile  insurance , but they started home and property  insurance .

Between the years of 1996 and 2005 the company grew an average of 16% every year and expanded their assets from $3.5 to $14 billion. Today, Progressive is one of the best  insurance   companies  in the United States, and the third largest automobile  insurance   company  in the country for that matter. Experts in the  insurance   company  field predict Progressive Auto  Insurance  to keep growing and the rating of A+ (Superior) by A.M. Best is an indication of that since they rate Progressive as one of the best  companies  in financial security and performance.

One of the most important things that have launched Progressive  Insurance  Company  to the top of the  insurance  ladder is their website. In the year 1995 when the Internet was just starting to gain popularity among  companies  around the United States, Progressive was the first  insurance   company  to launch a website. Although at first it was only composed of only information, it soon became more interactive and the company started gaining customers.

Nowadays, the automobile  insurance   company  prides itself in having one of the best websites in the industry. Some of the features that a customer can find in a Progressive website include a policy and service management section where policyholders can log in to make payments, update their policies, etc. The company also has a direct rate ticker that allows you to see the rate given to you if you are a potential customer, alongside rates of other companies and an online claims reporting. Since customer service is one of the most important things for the company, they also have an agent locator and a part of the website called “Talk to Me” which allows customers who have a question about their quote; to talk to a customer service representative from the company so that their doubts can be clarified.

Like every other company, Progressive has a series of discounts that allow its customers to save some money. The E-sign discount is designed for customers that sign and enroll through the Progressive website, to save $50 instantaneously and the pay in full discount allows a member to pay the entire rate in a single lump, which can end up saving them over 10% of the actual price. Other discounts include but are not limited to good student, more than one car in one policy and good driver discount. Since discounts can also vary by the state that you are in it is important for you to call your Progressive  Insurance  Agent or contact your local office for more information.

Other features offered if you decide to become a Progressive member are total loss replacement (in case you total your car after an accident), accident forgiveness (which allows the customer to lock in the rate and evade rising rates after an unexpected crash) and online/phone support through text messages, your cell or the internet. Last but not least it is important to discuss the options that premium members (those who pay a little bit more annually) have. Those customers have superior claims service that allows them to just drop off their car right after the crash and immediate response vehicles that show up as soon as you get into a car wreck.

Progressive will continue to grow if they keep providing their customers many different options in coverage, discounts and deductibles. The innovative company  that once was started by two lawyers in search for a good way to start their careers now has become one of the best automobile  insurance   companies in the United States.