 HOW LONG TILL I GEt MY CHECK FROM THE INSURANCE COMPANY? |
| I have filed a claim with homeowners insurance regaurding the items stolen out of my car when it got broken into. i sent in all the prove of ownership and it was recieved by my agent one week ago. ... |
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 Improperly park pick up truck ran into home, owner 's insurance to pay damages? |
| I would like to hear from anyone who has had to deal with this. the front porch and steps damaged as ? foundation. What about structural damage? I asked for a structural assessment and the insurance ... |
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 Need a little piece of mind .? |
| what do you do if you have life insurance no children and no one to bury you.50.000 dollar policy.please give me some kind of answer.... |
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 Life Insurance for my father.? |
| My father is 45 years old and is the only one who works, my mother is one of those "stay-at-home moms". However, he doesn't have life insurance and feel that he needs it because if ... |
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 When buying car insurance is it better to have your dad own the car and put you as the additional driver to s |
| When you purchase car insurance is it better to have the car under your parent's name for ownership and add your self as an additional driver for your own policy to save money even when you'... |
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 Do you think health care is better here or Europe? |
| I have watched Sicko and it's a real eye opener for me. They say that the Universal insurance is better than american health insurance and the people don't have to pay for anything. What do ... |
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 How likely is it that my car insurance will go up due to this? |
Haven't had a claim in over ten years
Haven't gotten a ticket in probably 5 years.
But, the neighbor kid did $2K worth of damage to my car with his bike in three separate ... |
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 National Insurance Number? |
| I've just turned 16 and want to start a weekend job to pay (in part) for a trip to New York in December. Apparently, I can only get a job if I have a National Insurance Number. Is this true? If ... |
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 Insurance career? |
| should you take a job selling insurance if the lead is provided. Do these companies pay base at all. What question can be asked in interview?... |
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 How long should I give the insurance company to respond to my claim before following up? (Health Insurance)? |
I filed a claim with my health insurance carrier (the provider is out of network and does not file for me).
I sent the claim USPS Certified Mail, including all necessary claim forms and an ... |
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 I know a company that is involved in forgery and not sure what to do about it - anyone advise me? |
| I no a company that is involved in forgery - they deal with customers and if the paper work has not been signed they forge the signuature's so they can get there goverment grants ,I have ... |
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 Messed up driving record really bad!!!!!!!!!? |
| Hi everyone in the past year I got into a accedent once, had over 12 police tickets, such as running red lights, etc etc. Had my license suspended 4-5 times. I also had a insurance company cancell on ... |
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 My insurance plan doesn't cover mental health and I need a psychologist, what do I do? |
Hello,
I asked a question a few days ago in Answers about whether health insurance covers psychologists. I talked with Cigna (My health care provider through Healthy New York, the state�... |
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 I'm mad as hell and I'm not going to take it anymore...? |
First of all, I would like to start out by saying that I am being phucked up the old poop chute by my car insurance company.
Question #1: Am I the only one who thinks it's ludicrous ... |
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 New York Life Insurance,I have received a job offer from them can anybody tell me a little about there company? |
| It sounds as if there is a little buy in to be employed there and with the economy as it is I can't afford to take many chances and also on the economy I am worried about the amount of insurance ... |
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 Can I reduce my Home Insurance cost after two claims>? |
| LAST YEAR I HAD TWO CLAIMS DUE TO A FIRE ON MY GARAGE. ONE I HAD TO REBUILD THE ENTIRE GARAGE, THE 2ND WAS JUST MINIMAL DAMAGE, BUT IT STILL RREQUIRED PAYMENT, I BEEN SHOPPING AROUND FOR HOME IINSURAN... |
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tozarondanose | Owning a business, (Website only, no employees), business insurance???? |
I was wondering if you need business insurance no matter what kind of business you own. I am starting a business that is nothing more than a website that is free for users and only makes revenue from advertising. I have no employees and am registered with the state. Do i need any type of business insurance? LLC.
Pennsylvania if it matters.
Thanks for your help/ |
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Xeod
|
If you want to protect your business property - your computers, printers, routers, etc. and other office supplies & furnishings you need business property coverage.
Every business also has exposures to liability losses. In your case, there is not much exposure to people being injured on your premises. But maintaining a web site falls into the same general category of publishing - just like a book, magazine or newspaper. You can be sued for a variety of things including libel, slander, invasion of privacy, false advertising, copywrite infringement, etc. There is no legal requirement for you to have liability insurance, but if you don't have personal assets to cover a $1,000,000 or more judgement against you, you better have liability insurance.
You should contact a local, independant insurance agent to see about a small business owners package policy. I have handled many of these for businesses just like yours. Coverage for your business property and liability could be as little as $50 - $75 a month. |
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fijisun
|
You should check with a business insurance agent. Although it is a web base business and you are selling advertising on the site there are legal issues (Contracts) that can get you sued if something goes wrong. Should you incorporate? If you want to protect any assets that you have it may be a good idea. See an accountant or attorney for further details. |
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taketwo
 |
yes you do need insurance, check with the brokers. |
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barry w
 |
my friend i have the perfect website for you. it includes over 1000 links to free advertising websites including free directories, free search engine submissions, free viral marketing, free top keywords and much much more
http://www.freeaddsgalore.me.uk...
investing in the big daddy search engine and program hoppers will prove very profitable |
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mkulda
|
You certainly will need insurance.
Even if you have no physical presence, you still have an online entity to protect, even if you are an LLC.
That just protects your personal assets against a claim filed against the company.
The company's assets are still at risk.
You can be sued for misrepresenting the quality of the product you are selling or if somebody uses something you sold and they get in some sort of trouble for it.
You also should buy some insurance to protect the physical assets of the company, even if you run it out of your house.
What if......a lightning strike destroys everything in your home including all the equipment you use to run your business. Your homeowner's policy does not protect ANYTHING you use to run a business, even if it is out of your home.
So even though you might think you have a limited exposure, you can see....you have a lot to protect and should buy enough insurance to protect it. |
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lm050254
 |
I think it will be wise go get liability insurance, you are dealing with clients that can sue you. Also you can buy in surance to protect the equipment that you work with.Good luck in your business |
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INACTIVE
|
Business insurance is not only for people falling on your steps in the now if that's what you are thinking. A business insurance rider to your existing policy could protect you against lawsuits from even your advertisers if your server is down, from lawsuits where an injured party names you in the suit against a company that was on your website, from your computer bursting in flames, and/or a variety of things. Your policy will tell you what's covered and what's not. It's a business expense so it's deductible. You may never need to use the insurance (like auto or home insurance) but it sure will be peace of mind if you ever have to. Your insurance agency should be able to talk to you about a business rider to your policy. Compare the costs and coverage. If you or your business have a few million of liquid assets just in case you need it, then you don't need insurance. |
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mbrcatz
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Only if you can be sued! Oh, which you can, for lots of things, on your website.
But as a LLC, I probably wouldn't bother. Although, you'll have a lot of advertisers refuse to buy space if you have no liability insurance. |
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