Joliet Illinois Insurance Leader ‘Insurance Navy’ Starts Offering Landscape and Auto Insurance

Landscaping subcontractors are those that are participating in a number of decorating activities that aims to modify the visible features of land, or the maintenance of decorative shrubs, trees, and soil in residential and commercial areas. Landscapers could include actions on the gardens, structures of natural elements, objects, or abstract elements such as lights. Landscape contracts can be classified in another way, commercial or residential landscaping. They work with lawn and shrub care where application of pesticide, herbicide, and fertilizers as well as slicing branches and removing shrubs, as well as trimming of trees and shrubs are some of their usual work. Landscaping contractors who work with the set up and restoration of irrigation systems, sodding, operating on synthetic land, as well as the renovation of certain environment are all types of works that landscaping artisan contractors deal with. Coverage Required by Landscaper Artisan Contractors ** Landscaping General Liability: Like all subcontractors, landscapers need commercial general liability to cover them while working at customers locations. A landscaper artisan contractor insurance is needed to cover for their careless acts while performing their work. Coverages range from $300,000 to $1,000,000 each occurrence for product/ completed operations as well as personal and advertising injury, with double the amount for the general aggregate. Of a particular interest is the fact that some insurance carriers may have certain policy coverage exceptions for damages resulting from the applications of pesticide, herbicide, and fertilizers. Other companies may exclude any damages resulting from imperfect design of the landscape. The main determinants of the prices for the commercial liability of artisan commercial policy are yearly wages, annual revenues and attributes of activities practiced. ** Landscaping Artisan Subcontractor Business Auto: All contractors need this coverage for their autos that are used in the course of the business. Some smaller contractors wrongly insure their business autos under Personal Auto Policies (PAP), producing a great risk as a PAP will not cover the contractor if the auto is utilized for business purposes. Garaging ZIP , ages and driving records of the operators play important roles in deciding the cost of the coverage. ** Landscapers Workers Compensations: Workers compensation is mandated by the law. For landscapers who employ others and pay salaries, a workers compensation policy is a must. If the landscaper has many employees that do more than one type of work (such as clerical, drivers, etc.) classifying the employees at the time of obtaining insurance may reduce the coverage cost. Owners and officers may exclude themselves from workers compensation insurance. ** Contractors Equipment and Inland Marine Coverages: Landscapers may need to also insure the specified tools and certain equipment they use. Also they may need to get an installation floater coverage (covers contractor’s raw materials while in transit or while kept at a customer location). Moreover, insurance for rental equipment may be required if there is potential losses from theft or another loss on rented equipment. ** Landscapers Umbrella or Excess Liability: Some larger size landscapers may need extra liability insurance for better protection or to meet legal obligations. ** Contractors Property Insurance: This coverage may be essential if the contractor owns a building or certain scheduled tools and equipment such as computers. The costs of insurance are based on amounts, description of property and community. Getting insurance for a landscaping contractors does not have to be a challenging task. Paying attention to exclusions of the coverage is a mandate.

Hospitality Insurance Agency | Instant Insurance Insurance | Restaurant | Nightclub | Bar Insurance Quotes | Gentlemen’s Club Insurance

Hello Everyone!! I would like to talk to you about the Hospitality Insurance Agency!! First of all we originated in Clearwater Beach, FL in 1948. We have had years of teaching and experience in personal insurance that we became experts and the only option was to broaden our intelligence. So we expanded Barber Agency (our personal department) to an even larger Corporation — Hospitality Insurance Agency. We have been insuring clubs, restaurants, bars, etc. for over 40 years, and just like our personal lines, with many years of teaching and experience– we have become the best of the best. We work with several different insurance companies and have the best relationship that you can possibly have with an insurance company. Meaning one way or another we are going to get you the best policy for your business at the cheapest price. Something else that we are starting up this year is our blogs/facebook/twitter etc. I am currently the person in charge of all of our websites. We have 2 sites for our blogs/Facebook because we insure gentlemen’s clubs and we don not want to mix that content to our restaurant owners. On our Facebook we have in our photo sections– the businesses that we insure with some pictures of the establishments. That is just one way we help out our businesses with a little bit of recognition. On our blogs we have the businesses we insure and links straight to their websites. If you are making money, we are making money– so we do more to help out our insured businesses by more than just saving them money on insurance policies, but also with a little bit of advertising on the side! We take care of our customers the way customer service use to be, no rude staff members; the customer is number one, etc. We take our reputation seriously and go through extensive research to make sure our team is all in sync and all about you! So if you own a restaurant, nightclub, gentlemen’s club, bar, or hotel; get into your insurance drawer and find out when your policy expires. When the dates are coming up contact our amazing staff or go online and get an instant quote!! That is only if you want to save money on your next insurance policy and have your business get a little more internet action from us! Now, I would like to wrap this up because there is only so much you can say about insurance. I pretty much covered everything. If you have any questions you can either visit our site, blog, or Facebook and send us a message with your question and it will be answered within 24 hours. Also, we are here for you M-F regular business hours (at office) — 24 hours online – and by phone 877-736-3820 – One more thing we are expanding more and more everyday, and we have been insuring businesses that are getting larger and larger to the point that we do our best work on larger businesses rather than smaller ones. So please when contacting we prefer larger businesses with multiple locations or high grossing.

Owner Builder Insurance Advice For Owner Builders

There are few insurance brokers out there who take the time to understand your needs and assist you throughout the building cycle process. It is vital that you know what kind of insurance to buy and want kind of cover is necessary.

Owner builder insurance products are a must for anyone deciding to owner builds their home. Don’t get lost with all the different protection and covered offered by different providers, find out which products you need.

So you want to build your own house and add that personal touch to your home? Owner building is becoming increasingly popular and ensuring that you have the correct insurance cover is vital. The key to a successful owner built project is to make sure that you are fully insured from the start.

The following insurance products are a MUST for any owner builder –
1. Construction & Liability Insurance
Also known as contract works insurance or construction all risk insurance which is insurance protection for people renovating, building or extending their home.
Construction insurance protects owner builders from most main risks that may be encountered during the construction and building process. This includes weather related damages, fire, issues with their workers or workmanship and more. (Consult your insurance broker to ensure what risks are protected).
The liability portion of this insurance is known as Public liability insurance. This protects the owner builder for their legal liability against injury or damage to third party property. As an owner builder you are responsible for the site safety and overseeing building works – without this cover you would be liable if anyone is injured at or near your building site. Although it is not mandatory to have construction and liability insurance cover it would be risky not to have it. Most local councils will however require you to have this cover prior to commencing any building work.
2. Personal accident or volunteer workers insurance cover
Building and construction sites are listed as being amongst one of the more dangerous places to work. As an owner builder you can choose to assist your tradesmen and builders with the construction. If you are injured or incapacitated during construction and cannot attend your normal form of employment, having the right personal accident insurance cover will offer you the right protection.
3. Builders Warranty Insurance
Owner Builder Warranty Insurance mandatory insurance required by the Home Building Act 1989. Although it is mandatory, the policy is for benefit of the house purchaser and does not provide any cover to the actual Owner Builder.
This policy protects the subsequent owner from any defective work on the property if you as the owner builder have died, disappeared or become insolvent. Builders warranty insurance is mandatory insurance cover. It is essential to take out Owner Builder Insurance before any work is started as otherwise the project will be difficult to insure. Standard policies run for 12 months but, if the construction takes longer, extensions are usually available.
Owner builder insurance is compulsory for all residential building works in excess of $12,000. If you are an owner builder and sell your property within 6 years of its completion or renovation you will ne to provide the with residential owner builder warranty insurance.
It is required by law to be taken out when selling within the statutory period – Statutory period for New South Wales and Victoria is 6years and 7 years in Western Australia.
An Owner Builder, who sells within 6 years of completion without any Owner Builder Warranty Insurance, or who fails to attach an insurance certificate to the Contract of Sale can be fined, amounts over $10,000. If a Contract of Sale has been entered into without Owner Builder Warranty Insurance, the contract can be voided by the purchaser at any time before completion of the contract. It is therefore in your best interest to ensure you have the right advice when owner building.
SavillHicks Corp is a leading Australian insurance broker that specializes in owner builder insurance. Savill Hicks will assist you by being actively involved with owner builders from permit stage right through to the sale. We will talk you through all the vital products required at a cost effective rate. Visit our website for more information on owner builder insurance, builder warranty insurance and construction & public liability insurance.
Different Types of Builders Insurance –
Learn how to differentiate the different builders and tradesmen insurance products. Learn which ones are mandatory, what each covers and who can provide you with the best information and service on selecting these products.
Insurance for Tradesmen – (trades insurance)
Even the most careful and skilled tradesmen can make a mistake or have things gone wrong. In such a scenario it would be unfortunate to not have the adequate insurance cover to protect not only your self but also your employees, contractors and tools.
What types of insurance should tradesmen get?
Public Liability Insurance – This will cover injury to 3rd party at or around the building site
Mobile Plant and Equipment Insurance – this will ensure that all your mobile plants and building equipment are protected not just at the time of damage but throughout the policy term.
Other builder’s insurance products at a glance:
Builder Warranty Insurance
With this insurance cover the building contractor is required to obtain the builder warranty insurance for every project they work on that exceed $12,000.
Construction insurance
Construction insurance or contract works insurance/construction all risk insurance offers protection for people renovating, building or extending their home.
This cover protects builders from most main risks that may be encountered during the construction and building process including weather related damages, fire, issues with their workers or workmanship and more.
Professional Indemnity Insurance:
This insurance covers members of a particular profession that adhere to a code of practice and have minimum educational stipulations or requirements. This would typically cover any loss from the conduct of consultants or sub contractors if under the insured’s direction they would not be covered themselves.
Directors and Officers Insurance: which deals with the civil liabilities that directors can incur personally? It protects people in these positions against wrongful acts during the period of capacity
Owner Builders need to take out:
Public Liability Insurance: Again this will protect owner builders from injury to 3rd party at or around the building site
Personal Accident or volunteer’s workers insurance – this covers the owner builder from any injury or damage should they choose to assist the tradesmen during construction. This cover can also extend to the owner builders family/friends (up to 10 volunteers on site for a nominal premium)
Choosing the right insurance broker to help you find the products and cover suitable to your business and budget can be tricky. Savill Hicks Corp has found that by offering a personalized service they take the time to listen to you needs. Being specialist providers in builder warranty insurance, owner builder insurance and home warranty insurance we offer you comprehensive cover, over the phone service and same day quotes. Visit our website for more detail.

What types of insurance should tradesmen, builders or anyone in construction invest in?

1. Public Liability Insurance – This will cover injury to 3rd party at or around the building site

2. Mobile Plant and Equipment Insurance – this will ensure that all your mobile plants and building equipment are protected not just at the time of damage but throughout the policy term.

3. Builder Warramty Insurance – This requires the building contractor is to obtain builder warranty insurance for every project they work on that exceeds $12,000. This is mandatory insurance so should not be overlooked.

4. Construction insurance – or contract works insurance/construction all risk insurance offers protection for people renovating, building or extending their home. This cover protects builders from most main risks that may be encountered during the construction and building process including weather related damages, fire, issues with their workers or workmanship and more.

5. Professional Indemnity Insurance: This insurance covers members of a particular profession that adhere to a code of practice and have minimum educational stipulations or requirements. This would typically cover any loss from the conduct of consultants or sub contractors if under the insured’s direction they would not be covered themselves.

6. Directors and Officers Insurance: which deals with the civil liabilities that directors can incur personally? It protects people in these positions against wrongful acts during the period of capacity

Anyone deciding to owner build their own home shoud ensure they are correctly covered for any accidents that may occur during the process. Owner Builders need to ensure that they have

1. Public Liability Insurance: Again this will protect owner builders from injury to 3rd party at or around the building site

2. Personal Accident or volunteer’s workers insurance – this covers the owner builder from any injury or damage should they choose to assist the tradesmen during construction. This cover can also extend to the owner builders family/friends (up to 10 volunteers on site for a nominal premium)

This is an overview of all the insurance products you need to understand if you are in the building and construction industry. Savill Hicks Corp is a leading insurance broker catering to the building and construction industries.
Home Warranty Insurance
Home warranty insurance is acquired by a builder and has to be issued to the homeowner to protect them against loss due to completion, defects and any other statutory breaches.
It is a legal requirement that all builders take out this insurance. Unfortunately the insurance does not cover any contractual disputes or defective/unsatisfactory work by a builder. This can however be taken up via tribunals under the consumer protection legislation.
As a homeowner it is advantageous to ensure that a builder has home warranty cover as it ensures that the builder is fully registered. Home warranty is required for a builder’s registration. It also promotes the builders adherence to standards as they need to consistently produce good work to remain registered.

How To Shop For Auto Insurance

With auto insurance premiums rising across the country, comparing premiums for similar auto insurance coverage has become the ultimate test of your shopping savvy. Have you checked with every insurer to be sure you’ll be paying the lowest premium for the most coverage? Did you check on all the discounts for which you might be eligible, such as good-grades discounts for your high school student, driver’s education and defensive driving course discounts, anti-theft device price breaks, and multi-car rates? Putting it all together to know you’re getting the best price is challenging, but the money you’ll save on your premiums makes the extra effort well worth it in the long run. Follow these three steps to be sure you’re making the right choice.

First, log onto www.naic.org to find out if there are any online resources that pertain to your area. This is the website for the National Association of Insurance Commissioners (NAIC). Find the link to NAIC States and Jurisdictions. From there, you can find out if your state or area has a website listing the current rates of local auto insurance companies. If so, you’re already a step ahead of the game. Just keep in mind that the rates quoted on these sites cannot take your personal situation into account. If you have bad credit or a poor driving record, your premiums will probably be higher than those listed on your local insurance commissioner’s website, but at least you can study trends of different companies in your area from an unbiased source, making useful comparisons that can save you time when you’re calling around.

Even if your state doesn’t have a site, the NAIC website contains consumer guides with valuable information to which you may want to refer during your search.
Next, you need to shop around for coverage. Be honest with the companies you call or visit online about your personal situation, your insurance needs, and your driving history. When you receive a quote, confirm that you know exactly how much coverage is being offered for the premium amount mentioned. Remember that your auto insurance is actually a group of several different types of coverage. Ask how much coverage the quoted premium provides to you and how much each coverage is worth. Make sure you’re comparing similar plans, and know what law in your state requires.

Finally, it’s time to talk discounts. Once you’ve narrowed your choices, compare the discounts offered from one insurer to another.

Get a quote on the final premium amount after all discounts are taken. One insurer may offer you two discounts good for 5% each while another may offer you only one discount. However, if that one discount offers you a savings of 15% total, it will make more sense to purchase your policy from the second insurer. Take a look at the bottom line (the final premium amount) for a true comparison.

Look at the information the NAIC has to offer you, shop around for the lowest premium and best coverage, and make sure you receive every discount to which you’re entitled. If you follow these steps, you’ll have the peace of mind of knowing you got the best auto insurance deal available to you.

Windshield Replacement Insurance Enhances Safe Driving

Windshield replacement or repair is critical because windshields facilitate safe driving, and they are the top restraint system in any automobile. People tend to take that function for granted, but windshields protect against wind and debris while traveling. Modern airbags utilize windshields as support for their cushioning effect in car crashes. If windshields pop out in an accident, passengers or drivers could be ejected or crushed, so consumers should choose care in selecting an auto glass company.

The term OEM is an acronym for Original Equipment Manufacturer. OEM auto glass meets manufacturers specifications and tolerances for quality and safety. When the glass company installs OEM auto glass correctly, the result is a seamless fit that minimizes air and water leaks. Proper windshield replacement causes auto interiors to resist window fogging, interior ice, and loss of heat or cool air. Most people have suffered the annoying effects of windshields that have leaks, without realizing the ultimate cause. Repair of small cracks can extend the life of a windshield, and auto glass companies cheerfully supply price quotes for repairs.

Windshield replacement or repair insurance is a good idea, because windshields provide essential protection and comfort for routine driving. Most insurance companies offer auto glass insurance as an option, with varying deductibles. Consumers can ask for price quotes for this protection. Prices of windshield replacement or repair range from $20-$350 from most auto glass companies. Small chips and cracks the size of a silver dollar or smaller can be repaired if they are not in the driver’s line of sight, and price quotes peg the cost of most repairs at $20-$65. Insurance companies recommend windshield replacement for cracks that impede driver vision.

The real question is whether to make a claim on an inexpensive repair, because many drivers fear these claims will increase their monthly premiums. Windshield replacement by a qualified glass company is a win-win for consumers, however. By law, insurance rates are part of comprehensive insurance claims that assign no fault, and repairing or replacing damaged windshields cannot be cited for premium increases. No matter how many windshield replacement claims are made, insurance rates will not rise. Policy holders can breathe a sigh of relief and arrange auto glass repair for any nicks or scratches. If only insurance companies provided paperwork insurance, then the claims process would be even simpler.

Here is another benefit many consumers did not expect-a professional glass company often helps consumers file their insurance claims. Some auto glass companies offer to pay the deductible, take the customer to dinner, and baby sit the kids. Beware of a glass company offer that sounds too good to be true. These kinds of offers almost always indicate that sleazy practices or shoddy workmanship are employed. The insurance industry carefully monitors the cost auto glass companies charge for windshield replacement.

Deductibles are the only potential downside for repairing auto glass. Drivers living in Florida, Massachusetts, Kentucky or South Carolina are free of this concern. Those states have laws that require insurance companies to pay the full cost of windshield replacement without deductibles. Florida and Massachusetts limit the regulation to windshields only. Kentucky and South Carolina require full restitution for any auto glass claim.

Auto glass insurance is an amazing benefit, and many drivers fail to appreciate how easy repairing their glass can be. A glass company that provides insurance claims assistance will take the insurance information. They may or may not require drivers to confirm the arrangement by phone. The windshield replacement company takes care of all the details such as billing and paperwork. Drivers can then focus on finding their own baby sitters and making dinner arrangements.

Windshield Replacement – The Facts About Auto Glass and Insurance

A chipped windshield is inevitable no matter what or where your drive, making windshield replacement something that nearly everyone will have to be deal with sooner or later. While filing an insurance claim immediately comes to mind, the fear of higher premiums often deters drivers from making calling their insurance company. However, windshields may be considered a no-fault claim, which can mean coverage without the raise in rates. Residents in the four Zero-Deductible states also enjoy the waiving of their deductibles when windshield replacement is necessary. The one point to note is that comprehensive coverage is required for either of these benefits, as coverage limited to only liability does not cover glass replacement.

Does Insurance Cover Windshield Replacement?
If the auto insurance plan is limited to only liability coverage, then the answer to this question is no. Liability coverage rarely, if ever, covers glass replacement, meaning that the driver will have to foot the entire bill. However, if the current insurance policy includes comprehensive coverage, then the answer is yes, as long as the cost is below the cost of the deductible. While high deductibles will lower monthly premiums, they can also mean that low-cost repairs will still have to be paid in full by the driver. However, if the cost of the replacement is more than the deductible, filing a claim can save a few dollars on the repair.

Will A Claim for Windshield Replacement Raise My Rates?
Believe it or not, most of the time the answer to this is no. This is because chipped windshields are generally considered a no-fault claim, as it is rarely the fault of the driver that the chip occurred in the first place. Keep in mind that there are exceptions, however, including chips obtained while deliberately driving off-road. How the chip occurred, the selected policy, and even the insurance company itself can make a difference in whether windshields replacement is a covered item.

What About The Zero-Deductible States?
There are only four Zero-Deductible states in the US, and these are Florida, Kentucky, Massachusetts, and South Carolina. For residents in these states, the Zero-Deductible law means is that the insurance deductible is waived for any auto windshield replacement. Florida and Massachusetts even go a step farther and cover all glass replacement under the Zero-Deductible law, rather than limiting the coverage to windshields only. Comprehensive coverage is still necessary, however, although like other states, premiums are usually not affected.

So How Do You File A Claim For Windshield Replacement?
Most glass replacement companies are familiar with working with insurance companies when it comes to windshield replacements. In fact, most of them will call your insurance company for you once their repair service is requested. Your insurance carrier and policy number are often all the repair service will need from you, and they handle the rest. This generally makes filing an insurance claim as easy as contacting a reputable glass company. However, if cost is an issue, either through deductibles or because it will be paid entirely out-of-pocket, obtaining price quotes from several glass companies can help determine who will provide the best service at the lowest cost.

Auto windshield replacement is an inevitable cost of car ownership, although insurance coverage for this is applicable only if a comprehensive plan is selected. The deductible may make an insurance claim irrelevant, however, as a high deductible can mean that the cost of replacement is less than the initial amount that drivers are required to pay. On the plus side, insurance rates rarely go up with a windshield replacement claim, as most insurance companies consider these no-fault claims. The four Zero-Deductible states even eliminate the need to pay the deductible for the repair. The best part is that filing a claim is often as easy as contacting a reputable glass company, as most of these companies are familiar with working with most insurance companies. A cracked windshield can happen to anyone, and understanding how insurance applies to these instances can make it a less stressful event, and lead to a smoother repair process.

Child Support Enforcement and Federal Criminal Law

Divorce causes major issues with health insurance benefits. Many families have employer provided and/or paid for health insurance benefits that cover the entire family. It is not uncommon to see situations where the other spouse is a stay at home parent, with absolutely no access to health insurance benefits, or employed at a job with either no health insurance benefits available or those benefits available at a substantial cost. After a divorce, the spouse with the family health insurance coverage can no longer cover the other parent. They are no longer “family” members who can take advantage of one health insurance policy. How to then ensure that everyone stays insured does become an issue for negotiation and/or divorce litigation.

If both parties do not have health insurance benefits available and if the cost of obtaining those health insurance benefits for the other party after a divorce become prohibitive, there is one way to continue benefits without additional cost. That way is to enter into a separation agreement, but delay the divorce. That way, the parties actually do remain married and they can stay on the same health insurance plan even thought they are separed. The parties can consent to waiting for one, two or more years before either one files for a divorce. While the parties will remain married, their property, custody, and support issues will be addressed in their separation agreement. Under some circumstances, this is an optimal resolution. For example, what if both parties want one spouse to remain at home for several more years with young children, but they do still want to separate and divorce? This option works for them. They can separate, agree upon getting a divorce and all of the terms that they have to agree upon, but delay the final divorce so that they can keep cost effective health insurance benefits in place.

The above example can provide some difficulties that must be discusse in detail with your divorce attorney. For example, if you separate but do not divorce, your federal tax filing status may be affected. Also, in some states, it is not as easy as in other states to enforce a separation agreement. Or, in yet other states, it is possible for one spouse to take the advantages provided by the agreement for a year or two and then go to court and seek entirley different forms of financial relief in a divorce action. Only a divorce attorney licensed to practice in your state can advise you on these issues.

Another option for couples divorce is COBRA coverage. COBRA is a federal law which mandates that a person covered under a health insurance policy be given the right to continue that coverage, at their own cost, for a set time period if certain requirements exist. For example, if you obtain a divorce and your spouse had family health insurance coverage through his employer, the employer would have to provide COBRA coverage for you after the divorce. That COBRA coverage would require that you have the same health insurance policy, although your coverage would now be individual and not family. You would have to pay the employer’s cost for that individual policy.

It is not uncommon for a stay at home spouse or a spouse who has less income or employment options to obtain COBRA coverage and to negotiate that their spouse pay for that coverage for a specified time period after the divorce. In doing so, this gives the spouse who did not have coverage available some time to either obtain employment with coverage or become financially settled and able to afford their own coverage.

Divorce Attorney Jean Mahserjian makes it easier to make it through your divorce by providing you with the essential information you need to understand the divorce process. To
download free excerpts from her books, visit: Divorce Help