Why your business needs insurance

Entrepreneurs often see business insurance as one of those costs which you could almost get away with not buying.

Aside from legal requirements and demands from customers to have a certain level of liability, you might well think that there is little point to your insurance policy.

However, there are many examples of businesses going to the wall following a disaster for which they weren't covered. Similarly there are many instances when a company has bounced back after it looked like it had passed the point of no return – all because they were insured to the very hilt.

You might consider the risks that your business faces to be small or even affordable, but if this is the case then there is a very good chance that you are underestimating them.

The chances of your business being hit by a flood or destroyed by a fire might seem low, but disruption to your work can come from many quarters.

A criminal act in your street could lead the police to cordon off the area for a period of time. Despite not being able to trade, you will still have to pay your staff, rent and other costs. You could lose a very significant amount of business or incur heavy costs while attempting to maintain it.

However, all of this could be prevented with a business continuity insurance deal.

As mentioned, some of your clients might ask about your insurance details before they are prepared to do business with you. Public liability is important for many clients, particularly in the public sector.

In a business-to-business setting, an insurance policy acts almost like a credential. By having a high level of cover you are demonstrating that you are a respectable business which takes health and safety very seriously, and that you fully understand your own responsibilities.

Therefore it isn’t just dead money, but a way of accessing opportunities which you wouldn’t otherwise be able to gain

home owner insurance

You've suffered a loss to your house: fire, wind damage, massive water damage, tree falling on your roof. You're upset. What is your first move? Call your insurance company, right? Wrong!

The average homeowner is ill-prepared to deal with the insurance company. They think that they will be treated fairly and justly by the company. But, by whose definition of fair?" Getting Your House In Order teaches you what you need to know to get a proper, fair and equitable settlement for your loss so that you can restore your home to pre-loss condition. Written by an industry expert with years of experience helping homeowners and reviewed by professionals, Getting Your House In Order will help you turn a disaster into a more positive circumstance. Everyday, thousand of homes are ripped apart by sudden and accidental disasters. They are at a loss of what to do. They believe that they are in good hands with their insurance companies and believe they will be properly compensated for their loss. Their lack of knowledge causes them to fall prey to the more knowledgeable insurance company and can leave them thousands of dollars short in necessary funds. This home owners insurance book guides them step-by-step back to recovery so their house can be set in order. Without this vital information, a homeowner is defenseless. Doug Wead Author's friendly conversational style puts you at ease so that you can deal confidently with the insurance company. Industry jargon is clarified so that you're not mystified. Its reference style lets you refer to only the sections that pertain to your situation. And its information-packed pages position you on an even-footing with the insurance company's adjuster." Todd Reilly, Realtor

understand health insurance money

With Understanding Health Insurance: A Guide to Billing and Reimbursement, you will learn about managed health care, legal and regulatory issues, coding systems, reimbursement methodologies, coding for medical necessity, and common health insurance plans. Exercises in each chapter give you plenty of practice to learn how to bill and reimburse. The accompanying workbook provides more application-based assignments for each chapter, content review, and additional case studies concerning health insurance.

• Fully updated to latest code sets, guidelines, CMS-1500, and UB-04 claim forms
• "One-stop-shopping" approach sets discussions of diagnosis and procedure coding alongside reimbursement and legal issues
• Patient case studies on CD-ROM and in Appendices I and II provide opportunity for manual or electronic CMS-1500 form completion
• The CD case studies also appear in Appendix I and II of the text for easy reference
• Accompanying Workbook provides application-based exercises for each chapter, plus additional case studies that require CMS-1500 claim form completion AND MUCH MORE

new insurance quotes

Disgruntles with your present insurance provider? Get new insurance quotes ! Be it life insurance, car insurance, health insurance or home insurance, a new provider will certainly be able to help. Just do you needs analysis be done correctly first.