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Helping Your Workers Care for Aging Parents

As the costs of nursing homes and assisted living services soar, the financial burden of paying for those services often falls on the elderly individual's adult children. Many families cannot afford these services, so they are opting for their ageing parent to live with them. Unfortunately, as those parents get older and need more care, it can take a toll on their adult children and has forced many of them to quit their jobs and take care of their parents full time. A recent survey by Unum Insurance Company found that 39% of caregivers end up quitting their jobs to…

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Women Often Do Not Have Enough Life Insurance

The amount of women in leadership positions today highlights the need for coverage even more. Also, the women who stay at home to care for their families still need coverage. If a woman who stays at home to care for her family dies suddenly, there is still the need for child care expenses and possible expenses to keep up the house while her spouse continues working. The services provided by women who stay at home to care for their families are expensive to pay for out of pocket. In some cases, the surviving spouse must hire someone for child care,…

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Property Coverage for Businesses with Changing Needs

Some businesses have very stable property insurance needs as the value of their non-building assets, equipment and inventory doesn't vary much during the year. Other types of business experience wide variations in the value of their property. Florists tend to carry more stock around Valentine's Day and Mothers' Day than they do on most days of the year. Many retailers earn most of their profits during the holiday shopping season, so they keep larger amounts of stock on hand during that period. Warehouses and manufacturers may have variable amounts of product on their premises with vastly different values. Depending on…

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Homeowner’s Policy Won’t Cover Your Vacation Rental

If you've been insuring your vacation rental with a standard homeowner's policy, it likely won't be enough to cover the various types of damage that are inherent when renting out property, like a guest accidentally breaking that $3,000 65-inch flat screen while playing catch in the living room. And it also won't cover any injuries that your guests sustain on your property, or lost income should it be rendered un-rentable for a period. The answer is vacation rental property insurance, which you can think of like a homeowner's policy with some added protection for contents and liability. Even if you…

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10 Ways to Reduce Your Homeowner’s Premium

With homeowner's insurance rates on the rise, you may be looking for ways to reduce your annual premium without skimping on coverage. After all, a large portion of your net worth resides in the same place as you do. But there are a number of strategies you can use to chip away at your overall annual premium, including: Raising your deductible - Your deductible is the amount of risk you agree to accept before the insurance company starts paying on a claim. As homeowner's rates increase, you may want to be willing to take on more of the risk yourself.…

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Controlling the Risks of Business Vehicles

Controlling the Risks of Business Vehicles

As the cost of commercial auto insurance continues climbing at unprecedented rates, any business with vehicles has to make sure that it has procedures and policies in place to reduce the chances of its drivers causing accidents. When a business entrusts a vehicle to an employee, it is literally putting its assets on the line. You should set these no-exception rules for drivers: Always wear seat belts.No driving while under the influence of alcohol or drugs.No mobile phone use while driving. You should also set guidelines for employees to follow when they use company vehicles, such as: Limit their non-business…

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