Why Insurance Matters to Every Consumer and Household—Even If You Think It Doesn’t When most people think about insurance, they imagine a monthly bill—or worse, something they “have to have.” But the truth is, insurance is one of the most important financial tools every household uses, even if they don’t realize it.Whether you rent an apartment, own a home, drive a car, run a small business, or care for your family’s health, insurance affects you [...]
Handling our many household chores is all about convenience. For many decades, the incredible washer and dryer power duo has made it possible for us to enjoy easy access to clean, ready-to-wear wardrobes. However, these appliances have a dark side that can result in serious loss, particularly dryers.The United States Fire Administration (USFA), a federal agency that collects and shares data on fire-rela [...]
1. DOES YOUR PLAN COVER YOU ON AND OFF THE JOB?Many health insurance plans have specific exclusions that eliminate your benefits for anything that could have been covered under Workers Compensation or similar laws. Now read that last sentence again.COULD HAVE BEEN COVERED!?That is correct. Most self employed people and even some small business owners do not carry Workers Comp on themselves.There are designed insurance plans that will cover you on and off the job — 24-hours a day, if you ar [...]
This was an appeal by insureds from a grant of summary judgment against them on their lawsuit against an insurer for breach of contract and wrongful termination of insurance, and for negligent representation on the part of the insurer's agent. There was no insurance in force when their drapery business was damaged by fire.The insurer issued a business package policy, and later conducted a survey because underwriting practice prescribed it when property insurance was in excess of a specified amou [...]
When drivers get behind the wheel of their cars they find a growing issue; other drivers are becoming ruder, more aggressive and are causing more accidents. Surveys typically offer the following information:Most drivers have recently operated their car, truck or SUV in a risky mannerMany drivers think that other classes of drivers should have their driving skills regularly testedThe majority of drivers think that their driving habits are fine…everyone else is the problemIt is useless for [...]
Renting an apartment or a house means the building is covered under the owners insurance policy. Unfortunately the renters things are not covered under the owners policy. In addition the cost for temporary housing is not covered by the owner or landlord's insurance policy. Example: A kitchen fire occurs from an unfortunate mishap and completely destroys the apartment. The owner or landlord requires payment to rebuild the apartment. Who should pay for for damages? The mishap occurred b [...]
The power of health insurance coverage is essential to anyone's life. Choosing to forego health insurance can be costly mistake. Some clients say I don't need to see a doctor, so I don't need it. Life can at times be unpredictable. We live life on our terms whether it is being adventurous, outgoing, or laid back. Either way a negative health problem is bound to happen. One Las Vegas family didn't realize they would ever need a surgery. Guess what it happen, and the cost was ove [...]
Choosing to forego health insurance can be costly mistake. A family in Nevada thought they would not need medical services such as surgeries, or even become hospitalized. The health plan that was selected by the family was bronze health plan with a per member deductible of about $6,000. This means any medical services such as hospitalization, surgeries, cancer, heart attack, or a stroke the family would be responsible for at least $6,000 of the allowable medical charges plus any appl [...]
Yesterday, March 29th I was moving some old furniture, and computer equipment to the local recycling plant not realizing a piece of the computer was slightly sticking out. As I closed the lift gate of my SUV it collided with the computer equipment sticking out. Boom! glass shatters. Looking at my auto insurance policies, I realized the comprehensive deductible did not include $0 glass deductible. Luckily I had my deductible savings for being accident or violation free. Reviewing your c [...]
Nevada contractors face a variety of risks and exposures with basic general liability coverage may not provide coverage with environmental exposures. The following claim scenario has not been proven to be correct, but rather serves as an example how environmental exposures can devastate a company financially. Two years after the completion of a new high school, it was determined that the window system used during construction was allowing water to infiltrate the building. Mold was disc [...]