How To Get The Right Boat Insurance

A boat is a luxury item that only a few people could buy. Despite the fact that more people were able to purchase boats and yachts for different purposes since the 1960s, it is still an asset that you have to protect. You should always make sure that you have purchased the necessary boat insurance before you even set sail. Haven insurance has been one of the best companies that offered these services to individuals and businesses that entered the market. But of course, before you even decide to get a basic boat insurance policy, you have to know the details.

What makes a boat different from a yacht? A yacht is considered a bigger water vessel than a boat. This makes the boat insurance cheaper, since it is expected to travel shorter distances in contrast to yachts. If you intend to purchase a boat, first protection that you could avail of is the comprehensive insurance coverage. This type of insurance policy allows you to be covered during fire, theft and vandalism incidences.

To have no problem whatsoever with your claim, it is a good idea that you first declare everything honestly. This means everything found inside the boat will be known to your insurance company. Therefore, you can make a claim if it has been lost.

Of course, not every boat owner can get a boat insurance. The boat insurance company will also send a representative to make sure that the boat is in running condition. Here, the boat insurance company will determine the insurable valuables inside the boat. There is also an agreed value statement on your boat insurance. You should always be honest in order to get the sufficient money in case something unexpected happened.

You also need to make sure that you can get a towing coverage. Towing is important especially if you encountered a problem in the middle of the sea. This could cost a lot of money if you pay out of the pocket. Also, if you want to decrease the expenses when it comes to your boat insurance premium, you could avail of some equipment such as GPS in order to protect the boat from theft. If you are not making any claim for how many years, this could give be advantageous since you will have to pay less.

You also need to make sure that you have the freedom to travel. Navigational limits should be flexible. This way, you can go to different locations and still be protected from anything that could happen. Also, do you plan to join races? If yes, then probably you want to go for the insurance for occasional charters.

If you are not yet decided which company to go for, it is a good idea that you window shop for the best option. Try to do your research and see which insurance company you could go for. Keep in mind that not all insurance companies are the same. There are limitations to what they are offering. In fact, it is a good idea that you ask at least five companies.


Do You Really Need Horse Insurance and What Are the Benefits?

One of the most common questions between horse breeders are all about insurance and how it can affect their investments if they choose not to have one. Do you really need to have horse insurance? How crucial is this for your business? How many are the advantages and so forth. Indeed a lot of questions surround whether or not you should get an equine insurance and all of these can actually be answered.

The Importance of Horse Insurance

Getting horse insurance from http://www.amlinplus.com is not just important but is already considered as a necessity because of its different types of policies that all aim to protect you and your investment. If you happen to know someone who owns a horse, or you yourself have one or more then it’s definitely a necessity to get a trusted equine insurance right away.

Truth is, there are different types of accidents and this would just not involve other people’s properties but can also involve other people too, especially if they have direct contact with your horse. This is one of the first policies that you need to check out – also known as the liability insurance. This will make sure that the policy will cover accidents that may or would involve people and is not limited to the workers and riders.

Another one is the mortality rates of horses especially if they encounter diseases or gets sick. A trusted horse insurance would cover any loses and help you get back on your feet in any event that this incident happens. As much caution as we want, these are just things that we can’t guarantee that won’t happen and the best back up is an equine insurance.

What Are The Basic Benefits Of Getting Equine Insurance

Getting an equine insurance is packed with benefits and is indeed a great value for your money. Horse insurance is another investment that you’ll find very useful as this insurance along with its different policies can ensure liability, medical care and expenses, accidents and mortality, equine businesses, theft and so much more. As long as you get the best horse insurance, the benefits are worth it. You will be able to get that peace of mind that you deserve.

The Cost of Horse Insurance

The reason why some people don’t want to have thoroughbred horse insurance is because of the cost. They worry about the added cost and would just be contented on putting in extra effort for safety. Again, we can’t control everything, and between the cost of having an equine insurance compared to the cost of any lawsuit, accident or mortality can’t even be compared.

In reality, the cost of any accident alone is huge and this is not a joke. Not just with the financial problem that you will face but with also the stress that comes along with it. This is just one scenario, how about mortality and other factors that we can’t control? We are all familiar with insurance and we know just how important it is.

The cost depends on the policies that you will be getting and as well as the condition of your horses and the best way to know is to get a quotation from the best provider of horse insurance. Once you’ve made sure that you’ve got the best provider, you can begin insuring your investment and relax as you’ve made a wise decision.


Motor Trade Insurance

Ways to Avoid Scam with Fake Motor Trade Insurance


Getting involved in motor trade business soon? Or are you already running the business now, but you feel that there is something lacking in it? Have you ever thought of insuring your business in order to protect your assets? If not, you must do so now. Motor trade business is no joke, or like any other forms of business, but the difference in losses is great. Motor trade could either be selling and buying cars or repairing them. Just imagine the financial losses you will get when an unforeseen incident happens. Motor trade insurance is important for your motor trading business and you need to search for the right things if you wish to get your business insured properly.

Basic Guide to Motor Trade Insurance

The key to getting the right coverage for your insurance depends on the scale of your business and the budget that you have. Not every motor trade business owners should get coverage they deem useful. At least the most important ones should be purchased first. Even other motor trading business owners rely on the minimum required insurance.

Next step is to find an insurance company to handle your policy. This step is where a lot of business owners get ripped off of their money. A lot of fraudsters have victimized innocent business owners into buying their insurance policies when they never functioned, operated or employed as agents in an insurance company. The reason why a lot of business owners are victimized is because of how these fraudsters offer great benefits, that seem too good to be true, that entices innocent business owners into purchasing from them. Offers like an interest-free overdraft, paying a fee over the Internet and just visit a certain bank where you can start claiming your policy, etc.

No matter how much the experts warn the public about being wary of such things, there are still victims along the way. People should take careful consideration when talking about purchasing insurance for their business. No matter how enticing the advertisements made by these agents are, it is only normal to do a simple research first. You can ask family, friends or acquaintances about the insurance agents or companies that have come up to you for their offer.

Insurance companies also have it tough. They are fighting back against fraudsters because there are also fake agents that abusively use their name when in fact they have no connection at all. In order for you to help insurance companies fight back against this scam, you should not buy any insurance that are offered via social media links such as Facebook or Gumtree. You should also avoid buying insurance that are offered through a mobile phone.

Still, this is not enough. There are ‘ghost brokers’ existing as well, and they make convincing advertisements that even the most educated individual still gets scammed. The best way, and one of the old ones at that, is to make sure that the insurance company of your choice has a full address of where they are operating, they are licensed to operate and make sure that they are registered with the FCA or Financial Conduct Authority or similar regulatory board that checks up on every motor trade insurance company if they meet the standards to operate.


Chauffeur Insurance: To Get or Not To Get One

Chauffeur Insurance1

There’s a quote by Suze Orman that says: “If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.” (Suze Orman, by the way, is a well known American author and TV host). If, as a business owner of a chauffeur service, you treat your employees as part of the family, people you do not want to lose, then one of the most important things you have to get is a chauffeur insurance. If not, then you might want think twice about that decision.

Chauffeur insurance and limo insurance are one of the lesser known types of insurances. But that was before the dramatic increase of such services.  When you are on the road nowadays, every other vehicle you meet would most likely be a car driven by a chauffeur, whether it’s a limo or a Benz or just an ordinary brand sedan, lot of people, even middle class men, would prefer to get chauffeur service from time to time because it’s more convenient and safer, especially if they  are traveling for business or leisure.

When getting chauffeur insurance, it is important that you have an idea on what most insurance companies offer and do not offer in a chauffeur insurance policy. For example, some insurance companies do not allow you to get insurance for drivers below or over a certain age. You might also want to find out what vehicles are being covered and the like. This is  because insurance companies do not offer the same coverage and what might be covered in one might not be covered in the other. If you have extra cash to invest on chauffeur’s insurance, you might want to get one that  is tailor made for your business, like for example, one that covers exactly how many drivers you have in your payroll. If you are a little bit strained on investing in a chauffeur insurance right now, there is no need to worry. You can still get one. Most, if not all, insurance companies who offer chauffeur insurance offer a payment scheme, which are most likely available in monthly installments (they might want it to be direct debit only though so ask about payment options and methods as well). You might also want to consider how good the customer service is when choosing which company to get your chauffeur insurance from because all of these companies are always great at the beginning but some of them may just leave you hanging on to a voice mail in the end.

There is also a secret to getting a good deal for your chauffeur insurance: get good drivers. Did you know that some insurance companies that offer limo insurance would be requesting for the records of the drivers you have under your payroll? The better your drivers’ records are, the better the chances of you getting offered a great coverage. Some companies even offer discounts for chauffeur services who are known for having good drivers.


Makeup Artist Insurance – is it Really Important?



Every job and business is different, and being a makeup artist is far different from any other corporate business. You might be asking yourself if it is really important to have insurance.

Yes, insurance really does matter. For one thing, makeup artist insurance helps not only you as the business owner, but your clients as well. It is your responsibility as the owner to equip your business with all kinds of insurances, from professional indemnity to public liability, fire insurances, equipment and theft insurances.  Makeup artist insurance is applicable to all makeup artists, whether working in a salon, or doing home to home services, or even during an event, where your services are needed.

There are thousands or even millions of people around the globe that use makeup to enhance their beauty. People also spend lots of money just to enhance their look – either through natural treatment or by medical treatment. As a professional makeup artist, who probably receives a high compensation, you mostly can afford to buy insurance, especially with today’s generation, that all things now pass through legal proceedings. What if you accidentally caused damage or unintentionally injured your client, what may happen next will lead to you being sued. Even if you consider yourself as an expert and for many years of working as a makeup artist you have never encounter an accident, however, you can’t predict what will happen tomorrow, nor can you prevent anything to go wrong. Tendency would be, if you don’t have any insurance, you will be paying a huge amount of money from your own savings and of course liability claims are very expensive. It would be a total loss and waste of good money that you save up for your future. And the worst thing is, you might never be able to get back on your feet.

Your clients trusted you when they asked for your services; they trusted you to take good care of them while they are at your care. In return, you also have to make sure that your clients are in good hands. When you have insurance, you can have a peace of mind that you are protected in case something, which you can’t prevent, will happen.

It is better to be prepared than nothing at all and be like a hopeless puppy when something accidently happens and you might end up losing your business too, if you don’t hurry now and secure your business by applying for makeup artist insurance.

Makeup artist insurance does not only help you but to your clients and employees as well. In having a business, either freelance jobs or not, there maybe also a higher risk that your employees will be also injured. As a business owner, your concern does not only cover your business, to your clients but most especially to your employees. What if your staff gets into an accident by working in your premises, has an allergic reaction when using one of your products, or get stuck by any natural calamities.


Arborist Insurance: Also Known As Tree Surgery Insurance


The world has evolved into a very dynamic and prolific place. It has even come to a point that we need very specific people to do very specific tasks. And one of these very specific jobs is tree surgery. Yikes! Even trees have surgeons now? Yes. And this field of biology (or is it medicine, perhaps?) has even become so developed to a point that in the United Kingdom, there has been a burgeoning of tree surgery insurance and tree surgeon insurance. And the former, I would like to coin arbor insurance.

Arbor insurance comes from two words: arboriculture and of course, insurance. Arboriculture is a more scientific term for tree surgery, which is the science of maintaining the health of trees and since everyone knows what insurance is, I don’t think I have to define that one. So arborinsurance is tree surgery insurance. And what do companies that offer tree surgery and tree surgeon insurance provide? Well, some basic insurance coverage and a lot more.

Like other insurance companies that cover other career aspects, you can avail of employers’ liability and professional indemnity policies when you get a tree surgery insurance. For the not so knowledgeable about insurances policies, employers’ liability is a policy which covers accidental injuries or bodily harm to tree surgeons and such when they get injured during work. A tree surgeon has its own identified job risks and hazards ranging from broken bones because of falling while checking a tree from a certain height or getting injured by a dead branch that had to be cut off. As for public and products liability, it would be the other way around. This policy is for the protection of the public and public properties which may get damaged due to tree surgery activities. Some of the policies that may be included in a tree surgery or tree surgeon’s insurance are more specific and offered only for these types of insurances. One policy that is being offered is usually termed as plant and machinery insurance coverage.  This is now being included by most insurance companies that offer tree surgery and tree surgeon insurance because loss of plant life can be distressing and loss of machinery and equipment can be even more distressing because these equipment are quite expensive. Tree surgeon tools are not limited only to shovels and watering cans. Remember, they are not gardeners. They usually do heavy duty stuff and would be needing equipment like chainsaws, wood shredders and even climbing equipment.

The good thing about tree surgery and tree surgeon insurances, though, is they do not cost a lot. Why, you might even find one at a very low price. If you are interested in getting this kind of insurance (if you are a tree surgeon, on a tree surgeon course or you are in the tree surgery business), shop online first for the best policy with the best rates and the one that provides the best customer service. Do not decide immediately and always read the fine print before signing.