Does Your Business Need Commercial Car Insurance?

Many people who run small businesses, especially home businesses, use their personal cars for work. They even lend their cars to employees for business related meetings and errands. However, you may be leaving yourself open to a big liablity. Your personal car insurance may not cover your car for business use, or it may have a limit on liability that will not be sufficient.

The Business Insurance Store tells you how to determine if you need commercial car insurance. Sometimes you can also add a rider onto your personal policy that will protect you. However, if your employees also drive their cars for business related work, it may not be simple to require them to increase their personal policies as well.

Grab Quick Personal or Commercial Car Insurance Quotes Online!

Affordable Health Insurance - The Quest!

You may not think you can afford health insurance for yourself or your family. However, many companies offer a variety of options and coverage which can keep your health insurance premium low enough to squeeze in your budget. Now I didn't say it would be cheap or anything, but somewhere below jaw dropping!

You can look for a PPO (Preferred Provider Organization) or an HSA (Health Savings Account) with a variety of coverage option and deductibles. Some plans even include maternity options (Depending Upon Your State), accident insurance, and prescription coverage.

Visit This Page for Free Online Health Insurance Quotes.

How Key Man Life Insurance May Save Your Company!

Nobody wants to contemplate the death of one of your business leaders or experts. However, I'm sure you can think of a couple of people in your company who are essential, and maybe one of them is yourself. A smaller company probably carries even more risk, and many small businesses really revolve, and derive most of their value, from one or two people. However, even larger companies are lead by a small group of people, and their absense would impact performance.

Many companies consider Key Man Insurance to ensure the livelihood of the company. In the event of the death of key personal, the money can be used to pay off debt and keep creditors at bay, find a replacement for the deceased, buy out the deceased's shares in the company (buy-sell agreement), or even help to supplement the income of the deceased's family.

All key man insurance really is - is a life insurance policy - usually a term life insurance policy based on the estimated working years of the key people. You shouldn't just consider upper management for key man life insurance. Key technical people who would be expensive to replace should also be considered.

I worked at one techincal company, and a fairly young (49 years old) technical leader went home one week-end. He died of a heart attack on Saturday night, and did not return on Monday. In addition to the shock and grief we felt, our project team lacked its technical leadership. We needed time to train for his share of duties, and to hire outside expertise.

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Cheap Car Insurance - Is it Really?

Are you really getting cheap insurance when you respond to an advertisement on TV or through the phone?

I have some thoughts that agressive marketing may convince you to raise deductibles, lower limits, and cut out some benefits to save money. However if you do have an accident or somebody steals your car, will you really save money?

I love my car insurance guy and he advised me to keep my comprehensive insurance even though my car was five years old! It only cost an extra 15 bucks a month, and it would save me from a disaster if I did have an accident.

Get some ways to really compare prices and policies so you can get cheaper car insurance!