 To renegotiate or to cancel my whole life insurance ? |
Hello,
When I was 25 y.o (non-smoking, healthy female without family), I was convinced to buy whole life insurance. I had to pay 2000$/yr for 20 years for 100K base coverage. I was told that it&#... |
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 Please if you can, help answer a question below about insurances paying for procedures? |
| We have Anthem insurance. My doctor has recommended I try several alternative treatments before surgery is required down the road. (a spinal fusion) I am wondering, will the insurance company balk on ... |
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 Bumped a car and now the driver is claiming a stupid amount of money, advice please? |
| A couple of weeks ago I was pulling out of a junction and scraped a taxi. The front of my car scraped past the side of his car resulting in scratches on both cars. This however is the full extent of ... |
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 The Amount of Time it takes to Recieve an Insurance Settlement? |
| I was wondering if there was anyone out there that knew the time line that an insurance company has to make an offer after a car accident? My husband was in a severe accident in December and was not ... |
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| Who is able to change a beneficiary on an insuarnce policy? Is it always the insured ? |
| Someone else has been paying the premium and is beneficiary now, does that person decide who is beneficiary or does the insured always have the right to change it?... |
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 Insurance claims? |
| I've recently had an incident at my home where I was having trees professionally removed and the tree people dropped one one my house. They've had to file an insurance claim as they couldn&... |
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 Worker's comp? |
| My friend from NY were talking the other day, he been on NY workers comp for years and he told me that he was washing dishes and was looking outside and someone was taking pictures of him in his ... |
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 What the Eff? Can I sue? |
| Ok, so I had an interview with a gay who owns his own company with his brother in law last night. I found this place through a staffing firm, and the recruiter informed me that he only wanted to see ... |
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 Umbrella insurance coverage? |
| is it a good idea to purchase a liability umbrella policy if you own a home? or should you up the liability on your car insurance?... |
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 What are some good Medical insurance for me? Please, no stupid answers.? |
Here's my stats:
-I'm in College
-I'm Single
-I'm in Good health
-I have very low income
-I'm 25.
Is there any good and cheap health ... |
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 I have health ins. with my "main job." I want to sign up for health ins. with 2nd job and have both. Problem? |
| I work as an attorney and have health insurance through my plan, but it does not cover my spouse. I have a 2nd (full time) job. I want to sign up for their insurance for me and my spouse and keep ... |
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 What's the purpose of insurance? |
| What's the purpose of insurance?... |
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 Car insurance? |
| i had a crash about 9 months ago and now i have to renew my insurance what would happen if i didnt tell my new insurer that i had a ... |
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 Can a person's auto insurance be tapped to pay for property damage (stairs and hand rail) in a vandalism case? |
Additional Details
Let me clarfiy. Here, at the University of Nebraska, a student intentionally drove his pick-up into a stair case taking out part of it as well as the handrail. When ... |
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 Health Insurance Quotes Questions? |
For a healthy adult between ages 20-35 what would the montly premium in health insurance be for a male and female?
... |
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 Have you filed a homeowner's insurance claim for theft - did they cancel you? |
| I had some jewelry stolen and am afraid if I file a claim the company will cancel my policy, I have car, house and life with them. Not sure what a claim will involve.... |
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 Is it wise to have a Hospital accident Insurance Plan if I don't have a regular health insurance plan? |
| I can afford health insurance for my family. Everyone in my family is very active in hiking and other low risk activities. Should we still have an accident plan to cover accidents. For $30 a day, I... |
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c w | What kind of insurance do I need to start a domestic staffing agency ie; chauffeur, maids ,butlers, ect...? |
I want to staff drivers but don't know how to cover them in clients cars..help!!! |
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mbrcatz
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You'll need garage keepers liability form to cover your drivers while they've got other people's vehicles in their care, custody & control.
It's a really expensive policy. Make sure all your drivers have spotless records, and are over 25.
Your local, independent agency can get you quotes on it. Expect it to be through the Excess Market, as a new venture none of the "standard" insurance companies will likely take you on. Actually, even if you had experience, carriers HATE this kind of policy, as you get tons of claims, even ones that AREN'T your fault, so you'll likely end up in your state facility auto pool.
You'll also need general liability and workers compensation. Bonding only covers for theft by employees - and NOT auto theft. It would be more effecient to get an employee theft endorsement on your package policy. |
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Ray2play
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For domestic services you should be bonded. This will cover loss or damages that may occur. For transportation services requirements become a bit more expansive. Most insurance companies will help in getting things in order. Shop around. |
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kitty
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you need insurance on the building and mulit car insurance and full benefits for the people and you need a license for every thing your doing you should have a license get the type of insurance so you can drive anyone's car then you'll be okay |
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Ameriplan Broker
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You definitely should be bonded. Are you also offering employees health insurance. If not take a look at these websites for additional information that you can pass on to your employees. Only healthy employees make money.
-- Carye
http://www.IBOPlus.com/40485726
http://www.EveryoneBenefits.com/40485726 |
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Matt1331
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Speaking as an insurance agent this is one of the hardest classes to write...staffing...mainly because of all the different kinds of exposures you have and could grow into and all the different types of businesses / residences your people walk into.
Speak with a quality local independent agent, if you can get a referrel to an agent from someone else in a similar kind of business, do it.
I'll just add to the other responses by saying that work comp is going to be really expensive. You'll probably have to put it with the state pool to start off with and might have to stay there for up to three years until you get a viable claims record / experience.
Your insurance as a whole is going to be expensive, get a quote well prior to opening your doors so you know what costs you have to build into the cost to hire your people, insurance premium will add significantly to that.
Good Luck. |
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santhosh k
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Life insurance |
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