There is a lie being spread by the auto No-Fault insurance industry in Michigan — a lie that our auto insurance premiums are more expensive due to insurance fraud.

This from an insurance industry that is making record-breaking profits — and on the heels of a $1 billion raise. The

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Our recent post on the many merits of (fictional) Super Bowl insurance got us thinking: What other sorts of events might be ideal candidates for a tailor-made insurance product?

The first to leap to mind: St. Valentine’s Day!

After all, few days have as much riding on them as Valentine’s Day. It

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If your next vacation takes you beyond American borders, youll want to consider how this might affect your auto insurance coverage. For south of the border excursions, the U.S. State Department claims you should assume that your American auto insurance policy will not cover you for any traffic accidents that may happen in this region.

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Having a bad financial condition is never expected by anyone, you are included. But, if this financial problem is occured in your life, what you would do? Of course, you will look for a loan to help you pay your neccesarry. Today, many people who have financial problem are using loans as the easiest solution of their financial problem. Instead, many finance company today are offering easy term and requirement for the borrower who want to get loan.

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With the beginning of the winter season, there are a variety of items you should think about to help you eliminate claims from occuring, hence conserving your claims experience and also ideally helping you save premium!

One of the initial things to do is to take a look at your business continuity plan.  Make absolutely certain you are able to service your clients in the event the weather condition gets bad like the previous couple of years.  Do not just forget about your suppliers as well.  Will they be capable to supply you in poor weather?  Your commercial combined insurance isnt going to respond to an insurance claim for failure of suppliers on snow and ice solely. 

Next is staff members.  Can they get straight into work?  In the event that they can not readily get through to the office is it possible to organise facilities to help them to work at home?  With a lot more people today owning the web in the home, this should not be a big problem.  Obvously if you have a storage facility or retail business, the number of choices will be minimal.  Commercial combined insurance will respond (when insured) for many different weather condition perils but not being able to make sure you get staff to the premise is just not one. 

It is actually a good thing to make sure you have got all the contact numbers of employees at hand.  Check into what is going to come about if they become stranded where you work.  At the same time to prevent staff members from getting injured attempting to rush into work, facilitate a more flexable operating period for bad periods of weather.

Designate an individual to ensure all outside areas surrounding the property are gritted.  Last thing you want is a client injuring themselves at your premises.

A list of local plumbers, electricians, etcetera must remain available consequently if something really does arise, you are in a position to call somebody out.  Bear in mind, it is incombered on the policy holder to minimize a claim.  You have to behave as if you are uninsured and prevent leaks, etcetera then get in touch with the insurers.

Finally, ensure that only vital travel takes place.  Whenever you have got employees on the road (product sales, etcetera), make sure they are safe.  Failure to do so could lead to a liability claim.

Your commercial combined insurance is there to safeguard the business but never forget theres a lot you can do to also ensure that the company works effectively through the coldest and most servere winter months.