 Whats a pre existing condition? |
I want to get my throat checked out by a doctor, so I'm shopping for insurance plans... if somethings wrong with my throat, is that a pre existing condition??
Additional Details
I ... |
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 Life insurance at 23. suggestions? |
Hi, I'm 23 and I have a one year daughter.
I was taking in consideration to apply for life insurance.. is it cheap? what is a good company to stick with?
T... |
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 Can my parents still claim me as a dependent when the only thing they pay for is my health insurance? |
| I'm 21 years old live on my own pay my own bills, Im a full time student as well, but I have loans for that; no contribution from my parents.... |
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 700 Billion Bailout plan! What's going on? |
| As you know today congress rejected the plan. Leaving only 12 votes need to pass it. 70% percent of republicans are against it I believe.(correct me if I'm wrong) My thing is this. Wall street ... |
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 Am I paying TOO much for auto insurance? |
Guys,
I have State Farm and I'm paying $156/month.
I'm a 19 year old with a spotless driving record. I was eligible for the "good student" discount too. My car is ... |
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 Is it that most sales jobs are crap, and u earn tiny commission no matter how good u r? |
| did u have to change sales jobs many times before u got the one u make significant commission and u stay there to milk it?... |
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 PPO vs HSA. Which is better? |
| My husband's employer no longer will offer HMO's for their employees next year. We have been with our HMO for 7 yrs. He has to choose between a PPO or HSA (health savings acct). We have two ... |
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 Internet Insurance no help? |
| I am a resident in Suffolk Va. and a tornado hit my home. I have used an online insurance company (rhymes with bomesite.com) and now they are not helping me at all. My question is they want to just ... |
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| Injured at work before shift, insurance medical claim was denied, now am stuck with bill. What to do now? |
| Even after the incident, was told by my management that it would be in my best of interest to go to the E.R and miss work that it would be covered. Just got in the mail that the claim was denied ... |
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 Is mortgage disability insurance a good idea? |
| I have 90 day disability at work, but I would like to know my mortgage is covered should I become disabled. I am single and do not have family, so am less worried about life mortgage insurance than ... |
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 What does deductible mean when you try to get health insurance? |
| it says plan type : PPO. Deductible. 2,500. Coinsurance 20%. Office Visit. $30. Monthly Premium. $60..what does all that mean??... |
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 How does total loss auto work? |
| Does the insurance company (mine is State Farm, btw) send you a check with the amount of how much i still owed on the car? Like, i still owe 8k on it...if it's considered a total loss, then i ... |
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 Because AIG is going belly up, should I change to a different insurance provider? |
| I see that AIG is suffering a huge setback and is about to file bankruptcy. I am about to seek out a different provider because I do not want to continue paying money to a company that is about to ... |
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 Do I have to have my flood insurance cover the amount equal to the cost of my new home? |
| Can I just pick the lowest amount of coverage? Say my home costs 72,000 can I get the insurance that will cover up to 35,000 in damage to the building? I have to have flood insurace if I buy this ... |
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 Homeowners Ins with pitbull? |
| How can i get home owners insurance if i own a pitbull. he is tiny he weighs 55 lbs,2 yrs old not mean, never bit anyone he is neutered and i can take away a raw piece of meat right out of his mouth ... |
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 HHEELLLPP!!!!! with TEEN car insurance!!!!? |
I would like to either add a 17 year old to an insurance policy or get one specifically for him.....
i called geico, but they said they dont insure teens!!! What can i do?
THX<... |
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 Will my insurance company cover my damages if i crashed into a pole and coasted $4,000 worth of damage? |
| no other parties were involved and i did not call the cops. I went home and parked it into my garage, and haven't moved it since. What do you guys think?... |
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fire boy | What type of insurance do I need to start my own fire extinguisher sales and service business? |
I would be driving to customer locations throughout Minneapolis and St.Paul. I certainly have the proper vehicle insurance but I'm guessing I'll need insurance to cover myself against the unfortunate possibility that an extinguisher didn't work when it was needed. Any help would be greatly appreciated |
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dwp_ins@verizon.net
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At the very least you will need "Commercial General Liability" (CGL) coverage that covers you if you are held liable for causing 1) Injury and 2) damage to property.
The cost of CGL is based on liability exposure. For example a florist or a video rental store would have less liability exposure then for example a demolition company.
I would imagine that a fire extinguisher sales and service business wouldn't be the highest exposure but obviously it is a lot bigger risk then renting videos and is going to requite a little comparison shopping to get the best rate.
I would suggest using one of the following free services to get some quotes so that you will know for sure.
http://www.dpbolvw.net/click-3014621-10484650
http://www.jdoqocy.com/click-2977717-10494355
http://www.usinsuranceonline.com/usio/index.php?refID=11923&refCampaign=11923&kw=
Also you can go to http://www.InsuranceEasy.org to get some additional information.
You mentioned that you have the proper vehicle insurance. I assume that you have "Commercial Auto" insurance. If you don't have commercial auto insurance but only have "Personal Auto" insurance BEWARE!!!!! Depending on your auto insurance policy you may not have coverage while your vehicle is being used for business. This isn't always true but better to check now and know for sure then find out at claim time. |
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Ontario Insurance Broker
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Commercial General Liability(CGL) is likely the most important coverage for you. Shop for a business insurance policy that contains it and any coverage you need for your own tools and equipment.
Errors and Omissions might be needed as well depending on the exclusions in the CGL. My best advice is to get several quotes and get advice from a local agent or broker.
And do make sure that your vehicle is listed for business use with your insurer. |
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Macbeth
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Not 100% sure how it works in the US but here in the UK you would need public liability insurance which provides and indemnity if you cause damage to third party property or bodily injury to third parties. Because you are selling/servicing fire extinguishers you probably need efficacy cover. This is cover if the product fails to carry out its intended purposes and results in your customer suffering a loss.
If you have any employees your will probably need employers liability cover. i think it's called Workers comp cover is the US.
Hope this is of some help |
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Steve S
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Make certain your vehicle insurance is business rated. Other wise you may not have the correct insurance. As for the business. You should get a general liability or a business owners policy(BOP), The best place to start would be an insurance broker. They can help you place coverage that will cost effective and do what you need. You should asked about completed products coverage within those policy to cover the last question in your question. Good Luck. |
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mbrcatz
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Well, that general liabiltiy coverage is EXTREMELY expensive, as you're looking at not the extinguisher, but all the damage that the fire does.
GL coverage for this starts at around $15,000. Plus workers comp, plus commercial auto. |
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