Category: Insurance

A commercial insurance policy is an important investment when you own a business, whether it is a large company or a small business.  This is very beneficial for your business such that it can actually safeguard you from whatever unexpected incidents that you may come across, whether this may be caused by mother nature or man-made.  This can also help you to go on with your business after a certain crisis.

A commercial insurance policy is usually available in three forms namely:  worker’s compensation, property and liability insurance. Worker’s compensation is intended for employees who had incurred injuries while on the job while property insurance is for damages inflicted to business properties.  Liability insurance on the other hand, are designated for third parties that have incurred unnecessary injuries. Under liability insurance there are specialized types of insurance like the directors and officers insurance which caters to individuals in large corporations that are liable for antitrust lawsuits and unfair practices lawsuits; the errors and omissions insurance which covers professionals like architects, real estate brokers, quality control personnel, and many others who may in their line of work introduce a mistake which causes harm to others; automobile insurance which covers accidents and injuries that may occur due to the driver or some other circumstance; and the malpractice insurance which not unlike errors and omissions insurance covers professionals who may inadvertently caused harm due to negligence in their line of work.

Property insurance can be summed up as an insurance for any damages incurred to any of your real estate or personal belongings due to unforeseen events and calamities. Under property insurance there are also specific policies that can be subscribed to like fidelity bond insurance for employee theft, machinery insurance for the machines used in your business, builder’s risk insurance to cover for building damages that might be incurred during construction or repair, crime insurance for possible incidence of robbery and other criminal activities inflicted upon your business, business interruption insurance which covers the loss of income that your company suffers after a calamity and while your business is recovering, and many  more.

Workers compensation insurance covers an employees medical and salary compensation when he or she has suffered a work related injury. Under these would be disability insurance and some form of health recovery insurance.

Small businesses should also find an insurance policy that will cater to their specific needs and can accommodate a small businesses budget constraints. An example would be a group health insurance policy which is a practical and cheap commercial insurance for a small business.

Whatever the specific commercial insurance policy that you would be introducing in your business it is necessary that you understand first the requirements of your organization so that you can protect what is vital to your company’s operation and therefore save a lot of money in the long run.

There are many travel insurance companies now that offer specific insurance policies for elderly travelers. Specifically, these companies have designed travel insurance over 80 and travel insurance over 70 policies.

Among these insurance companies, there are few that have gained popularity because of the reliability of their products and the quality of their services. Usually, these companies have become known because of the testimonials of customers who were satisfied with the way they were treated.
So, to be able to find the best insurance company that will provide you with the right travel insurance over 80 policy, you need to listen to testimonials and from there you can choose the one that cater to your needs.
Here are the top travel insurance companies that you should transact business with:

Insure For is a travel insurance company that provides insurance policies up to 80 years of age. It has been offering coverage for all major countries in the world and up to 10 million pounds in medical emergency and 5,000 pounds cancellation.
Columbus Travel Insurance offers travel insurance for over 70’s and up to 99. One study indicates that 86% of pensioners enjoyed a saving when they decide to buy their travel insurance policies from the insurance company.
John Lewis Insurance offers travel insurance for over 85 years old and is a subsidiary of the John Lewis partnership that is popular for offering the best insurance policy and the most comprehensive medical cover.

JS Travel Insurance provides services for those ages 66 years to 79 years that covers up to 3,000 pounds and a 24 hour medical assistance.
Avanti Travel Insurance is popular because of its low cost travel insurance policy. It also provides coverage to customers up to a maximum age of 85 years and a wide range of pre-existing medical conditions.So, to guide you in your search for the best, here are some tips that I’m sure can help you.

There is one disadvantage of having too many travel insurance companies that are offering travel insurance over 80 and travel insurance over 70 – you don’t know how to determine if you’ve obtained the best in the market.
So, to guide you in your search for the best, here are some tips that I’m sure can help you.

Tip #1

Look for a travel insurance company that has been known to offer reliable and affordable policies for elderly travelers. Asking your friends to recommend a company that fits this description is very important. Reliability should be given emphasis so that you will be assured that the company will be there when time comes that you will need the coverage.

Tip #2

Search for an insurance company that has a comprehensive coverage for medical services as health is very significant if you are over 70. This is considered to be a necessity because most countries have expensive medical services.
Tip #3

Ensure that the insurance company that you are dealing with is a legal entity and not a fraud because it may put you in a quandary in the future.
Tip #4

Always keep documents, including receipts, so that you can present proof if there are some things that need questioning.

Tip #5

Ask for testimonials from people who might know a specific travel insurance company to better familiarize yourself with the insurer before deciding.
Tip #6

Check whether the insurance company is charging you with fees not listed in the posters or advertisements that they may have posted.

Tip #7

Collect brochures from various travel insurance companies so that you can make a comparison of the travel insurance over 80 and travel insurance over 70 policies that they are offering.

By following these tips, you can surely find the best travel insurance company that offers the best travel insurance policy for elderly travelers.

People that purchase daily or insurance policies often have a nasty habit of trying to extend the usage of the policy beyond the stipulated time. These people do not understand that taking such actions can be detrimental to themselves as well, as others on the road. One does not understand as to why people look to purchase daily car insurance when they really need for short term car insurance policy which is issued by insurance providers for a maximum period of 30 days. If people do not have any idea about how long they will be using a borrowed vehicle they should be looking to purchase short term car insurance instead of a daily car insurance policy.

People may perhaps have an impression that they will be in a position to drive around even after the daily car insurance policy has become invalid. This is not the way the law enforcement agencies would look at such actions. They would be looking to enforce the law in the most stringent manner leading to heavy penalties or even the vehicle being driven being impounded. People should understand that they have only paid a premium for the day and should not be looking to extend the policy by any margin.

If people are unsure about the validity of their policy they would do well to go through the terms and conditions mentioned on the policy document. This will give them a clear indication about the time at which the daily car insurance policy was issued and the validity period. People should keep such matters in their knowledge as it could possibly save them from plenty of trouble that could follow in the event of an accident. Daily car insurance policies are best used in the manner that the insurance provider would have specified before the sale of the policy. People can definitely look to purchase another daily car insurance policy within a matter of minutes, if they find the need to extend the usage of the borrowed car. However, at no time should people be looking to extend a daily car insurance policy under any circumstances.