All State Insurance

Posted on Friday, 21st January 2011 by

What if you have to evacuate and leave a car behind to face nature’s fury? Are you covered?

Another police car rolls down the street, urging you to evacuate. You have loaded all the vital papers and family pictures into the van, and your wife is in the passenger seat urging the kids to buckle up. It is time to leave, and as you back out of the drive you realize there are two cars left behind. “I hope I’m covered…” runs through your mind as you join the line of evacuees on the slow march to higher ground.

Does car insurance cover flood damage?

Every year the television news shows cars under water, their radio antennae poking out of the brown lake where Main Street used to be. E

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Tags: Car, Car Damage

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Posted on Wednesday, 19th January 2011 by

Cuts in investment in flood defences as a result of the Comprehensive Spending Review could make homes near rivers and the sea uninsurable and would seriously affect their value.

The UK is among one of the few EU countries which does not provide automatic flood insurance with a home insurance package. The industry’s agreement with the government, which runs out in 2013, states that cover must be provided as long as defences are kept in good order. However, homeowners are concerned that cuts to promised flood defences in vulnerable areas will invalidate insurers’ liability.

More than a million homes across the country are affected, including parts of London as well as coastal, riverside and other major city locations. L Read full article…

Tags: Flood Defences, Homes, Make Homes

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Posted on Saturday, 15th January 2011 by

Attracting the best possible carer for your children can be difficult. That’s why many people who employ nannies or childminders offer nanny health insurance as an incentive. Offering health insurance to your prospective nanny as a bonus means you get a wider choice of applicants from which to find the perfect match.

Nanny health insurance can be short term or permanent and covers in-patient hospitalization and doctor’s office visits. Other highlights can include coverage for surgery, prescription drugs and ambulance expenses.

You may also be able to offer health insurance in lieu of a higher salary and reap some tax benefits. If you’re hiring someone from outside of the U.S. you c

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Tags: Health Insurance, Nannies

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Posted on Saturday, 15th January 2011 by

Potholes are likely to escalate the number of breakdown car cover claims being made in the UK, according to an insurance provider.

Consumers are being advised to compare savings on car insurance deals following the recent spell of bad weather . In recent weeks, snow and ice has engulfed most of the UK and the AA has warned breakdown car cover holders to be on the lookout for an increasing number of potholes on roads across the country. The provider indicated that many driving surfaces are “on borrowed time”, because of the combination of these hazards along with snow and heavy rain.

Simon Douglas, director of AA Insurance, stated that the last few years have seen an upturn in such problems. Read full article…

Tags: Car Cover, Car Cover Claims, Claims, Cover Claims

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Posted on Saturday, 15th January 2011 by

As the tragedy in Tucson on January 8, 2011 illustrated, violence at a place of business or business open to the public, is always a potential threat. While not a common occurrence, violence in the workplace is probably more common than most businesses believe.

In a long-term study, the Centers for Disease Control found:

An average of 1.7 million people were victims of violent crime while working or on duty in the United States, according to a report published by the Bureau of Justice Statistics (BJS), each year from 1993 through 1999.

And, like in Tucson, the weapon of choice is the gun. 80 percent of workplace homicides in 2008, the most recent data available through the U.S.

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Tags: Violence, Violence Insurance

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Posted on Friday, 14th January 2011 by

At the start of the new year, many companies will be reviewing their health insurance and other business insurance policies to make sure they are up to date with new regulations and provide the best possible coverage for employees.

This is especially true with the arrival of the winter flu season, as many employers may find an unexpected rise in the number of workers taking sick days.

In some parts of the country, this season’s flue rate has been higher than others. Read full article…

Tags: Insurance

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Posted on Monday, 10th January 2011 by

If you’re traveling long-haul, here’s another reason to make sure your travel health insurance is of good quality and up to date – malaria. Malaria is a potentially life-threatening illness that is relatively easy to pick up if you travel to at-risk areas. With swift medical treatment you increase your chances of cure.

Malaria is spread by the bites of infected mosquitoes. The disease is prevalent in Mexico and Central America, South America, sub-Saharan Africa, the Indian subcontinent, Asia, the Middle East and Eastern Europe. Check with your healthcare provider if you need anti-malarials for your trip and which one is best for you.

If you fall ill with a fever and flu-like symptoms such as shaking chills, headaches, muscle aches and fatigue when you are in an at-risk country, go directly to a doctor. If ma

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Tags: Malaria, Malaria Know

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