Posted by Admin | October 04, 2011

Alabama Home Owners Insurance: Why you need it

Your house is undoubtedly one of your biggest investments and you need to protect it to the best of your abilities. If you have a mortgage it’s very important that you consider homeowners insurance as one of the buying factors while buying your new home. If you live in Alabama, you would need Alabama homeowners insurance and the best place to look for the cheapest and the best Alabama homeowners insurance is an internet. You need to make sure that the insurance you are buying offers the right coverage, is affordable and best suits your unique situation.

There are a host of companies on the Internet that offer free homeowners insurance quotes from multiple companies so you don’t have to run from pillar to post looking for home owner’s insurance. The advantage of using these websites is that you don’t have to go around and compare different home owners insurance rate quotes from different websites; many of these sites specialize in Alabama home owners insurance and have an easy-to-use interface from there you can easily compare the rate quotes of different insurance companies.

It is a pity that many homeowners do not give due importance to homeowners insurance quotes while buying homes in Alabama. Over the last couple of years real estate prices have been dropping like anything and this has inspired many people to come and live in Alabama for the excellent weather that it has. Earlier, real estate prices in Alabama where pretty steep and not within the reach of everyone, but now times have changed and more and more people are buying homes here. B Read more…

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Posted by Admin | September 28, 2011

Professional Indemnity Insurance is a Must For You

Professional indemnity insurance is not required for all professions. However, some must have this coverage in order to continue practicing their field. This is the case for accountants. For them to be in business they must have professional indemnity insurance. To continue their association with their professional organization, they must have professional indemnity insurance. Having professional indemnity insurance just makes sense since it protect you, your clients and your business.

When you are in the business of accounting, you are offering a service to clients. Your clients accept that you are a trained professional in your field. Certain expectations for you are held. Any mistakes or errors on the part of the accountant can be quite serious.

When obtaining professional indemnity insurance for accounting, the amount of coverage will vary. This amount is often dependent upon the practice’s size and clientele. In most situations, coverage can be as much as £1 million for one claim. Professional indemnity insurance also can cover any mishap that may occur to the property of a client. This would include both loss and damage to the client’s property. This could include documents and records that would be in the custody of the accountant.

In most cases, pl insurance is not enough coverage for accountants. Most of the time other types of coverage should be added to the professional indemnity insurance policy. For Read more…

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Posted by Gabriella Hopkins | September 27, 2011

Michael Winner finally ties the knot


After having an on/off relationship that has spanned almost 55 years, Michael Winner and Geraldine Lynton-Edwards have finally made their love official.

Winner, 75, organised a very small wedding, with very few guests attending their special day. The only witnesses were close friends Michael Caine and wife Shakira.

Film director Michael Winner has been avoiding marriage his entire life. He said: ‘I’ve rejected marriage all my life, but something has happened to me inwardly in the last few years and that is down to Geraldine. She is an amazing woman.’

Geraldine, a nurse, helped Mr Winner get back to full health after he contracted a life threatening illness from an oyster he ate in Barbados. Winner was on the brink of death five times and had 19 operations during his illness.

Winner wore a black suit with gold buttons, a white shirt unbuttoned at the top with no tie, perhaps to show the casual intimate nature of the affair, and Geraldine wore a regal outer coat over a smart, sophisticated white dress with sheer sleeves and a sheer panel across her collarbone.

Mr Winner added: ‘We have been together, on and off, for years. We first met almost 55 years ago and Geraldine has seen me through the good times and bad. She did

Read more…

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Posted by Gabriella Hopkins | September 27, 2011

Weather insurance helps soothe sting of ruined weddings, holidays

Weather insurance helps soothe the sting of ruined weddings, holidays, concerts.

Weddings are a big enough gamble without worrying about hurricanes or tornadoes crashing the party.

For $500, you can get cancellation insurance worth up to $30,000 in losses, including photography, wedding attire, presents and even the honeymoon. Or pay $100 for $10,000 in losses.

The policy, called WeddingGuard, also pays out if someone in the immediate family dies or gets sick, or the venue burns down or goes bankrupt.

But the weather protection is the biggest selling point, said Amélie Bérubé-Chanda, manager and underwriter at the Simcoe, Ont., office that services Eastern Canada for Pal Insurance Brokers Ltd.

The company is one of the few specialty firms in Canada that provides cancellation insurance for a wide range of outdoor events, from rock concerts to trade shows to festivals.

“There are so many summer events in Canada that are outside and they’d have to shut down and lose a lot of money if the conditions are extreme enough to cancel,” Bérubé-Chanda said.

This type of insurance is one of several new kinds of protection individuals and companies are buying as the weather becomes more volatile and the cost of protecting themselves declines.

Whether it’s Niagara grape growers, travel suppliers, or major league sports teams, more businesses are looking for ways to hedge their exposure to the elements, according to Don Cyr, an associate professor of finance with Brock University in St. Catharines.

Read more…

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Posted by Gabriella Hopkins | August 27, 2011

Top 10 Vehicles Thieves Love to Steal

Earlier, we looked at the cars crooks avoid in our top 10 list of the automobiles that are least likely to be stolen . For the owners of those vehicles and their car insurance companies, we call that a big plus to ownership and coverage. Alas, with each positive side, there is always a negative one that lurks below the surface.

Youve probably already figured out that were referring to the cars that thieves love to target. And there is no automobile currently more attractive to the criminal element of society than the Cadillac Escalade, which makes its fourth straight appearance at the top of the Highway Loss Data Institute annual list of cars most likely to be stolen.

Whats the Highway Loss Data Institute?

First, we should cover who the HLDI are and why their numbers differ so much from other lists of these kinds.  HLDI is part of the Insurance Institute for Highway Safety , an organization we hope youre all familiar with. IIHS spends most of its time conducting safety crash testing and rating vehicles on their relative levels of protection from injuries to occupants when a car is involved in a crash. The HLDI looks at the other side of things the actual financial insurance losses paid out from claims, including theft.

HLDI collects its data from the insurance companies that also provide funding to support its operations.

Read more…

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Posted by Gabriella Hopkins | August 27, 2011

Australia steps closer to plain cigarette packaging

By Dr Ananya Mandal, MD

Australia is set to become the first country in the world to introduce plain cigarette packaging in a plan that has enraged tobacco giants.

This week, the parliament’s lower house passed two bills aimed at banning tobacco company product branding. The legislation, which dictates that cigarette packets must be a uniform olive green with the name of the brand in small, standard type, is expected to pass the upper house in the coming weeks.

The new law is set to reduce smoking rates to below 10 per cent. It says packets will be plastered in graphic health warnings and will not be allowed to bear any tobacco company logos. Nicola Roxon, the health minister said, “This is the first very courageous step that our parliament has taken to introduce plain packaging… We’re going to be the first country around the world to introduce it. January 1 is the start date and it looks like the legislation will be well and truly passed by then.”

Tobacco companies are unhappy with the turn of events to say the least. They claim there is no evidence that plain packaging will reduce smoking rates and argue that it could spark a rise in illegal tobacco, known as ‘chopchop’. British American Tobacco Australia is now weighing up whether to seek an urgent hearing the the High Court in a last-ditch bid to release confidential government legal advice on plain packaging that it hopes might influence the upper house vote.

Steve Hambleton, the Australian Medical Association president, has urged senators to get support the bill when it reaches the upper house. He said,

Read more…

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Posted by Admin | August 15, 2011

What is public liability insurance?

When it comes to running a business there is a seemingly never ending list of things to consider. If you’ve never run a business before then you’ll have a sharp learning curve as you start to consider issues that have never come up while you were working for someone else. If you have been running your own business for a while however, then you will have a better idea of what is needed to run your business.

Whichever category you fall into, one of the most important considerations of any business is insurance. No-one can predict when something will go wrong, resulting in an accident or damages, or who might be responsible for those There are several different types of insurance that might be relevant to your business, but one of the most important is public liability insurance.

But just what is public liability insurance, available from Endsleigh.co.uk, and what does it cover? This kind of insurance policy will cover you against claims arising from injury or damages. This means that if your customers, or members of the public, are injured whilst at the premises of your business then you will be covered for any claims that they make against you. Public liability insurance will also cover self employed workers who work from their homes, and you would treat your home as your workplace. Cov Read more…

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Posted by Victoria Milson | July 22, 2011

Vanessa Elkins-Rogers Named VP, Vendor Management for Crawford

Crawford & Company , the world’s largest independent provider of claims management solutions, has named procurement executive Vanessa Elkins-Rogers to serve as vice president of vendor management for the corporation.   In her new role, Elkins-Rogers is responsible for directing multiple corporate support functions, including purchasing and vendor, real estate and fleet management. Based in Atlanta, she reports to Allen Nelson, general counsel, corporate secretary and chief administrative officer.   Elkins-Rogers comes to Crawford with more than 20 years of experience in accounting and procurement  management and proven success in developing centralized supply strategies that have delivered millions of dollars in cost savings. Most recently, she served as director of sourcing and supply chain operations for retail and financial markets at Johnson Controls, headquartered in Milwaukee, Wis.   “In the current economic environment, strategic purchasing decisions are more important than ever to our success as a business,” Nelson said. “Vanessa has the background and experience necessary to cultivate productive vendor relationships and maximize our purchasing dollars and processes. I am looking forward to working with her, and our strong existing team, to continue to improve our procurement and property management functions.”   Elkins-Rogers has worked for a number of Atlanta organizations, beginning her career with MCI/Voicecom Systems, where she last served as accounting and telecom manager, before moving to Bellsouth.net as senior manager of procurement and materials management. She Read more…

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