Rented Property Insurance – Do You Require It!

Posted on 22/02/2012 by admin

Article by Kirthy Shetty









Landlords should have renter’s insurance to protect their property. This is often ignored by most of the landlords. They don’t look at protecting their rented property which is highly crucial. This property insurance provides succour against fire, theft, flood or other physical losses. Get proper liability coverage of your rented or tenanted property. There are damages caused by the tenant, which is also covered under this insurance cover. It covers every thing right from your fittings, fixtures and loss of rental income.Make sure you follow the correct procedures to locate places to buy rental property insurance and to obtain the proper coverage. There are a volley of rent guarantee and tenanted property protection insurance. This can cover you for a period of six months or for 12 months. You can get a basic or comprehensive tenant reference checks cover based on your requirement. If you wish to have an indepth check carried out – such as employment’s reference verification and previous landlord’s reference verification in addition to the basic identity checks, credit checks, ccj, bankruptcy etc, you can go ahead with a comprehensive cover. Also cover damages to your property and structures.Alleviate your worries about procuring a bad tenant and losing out on your rental income or damage to your property. You are well protected by tenanted property insurance. Always remember that your tenant’s monthly payment taken as an advance is not sufficient for you. You can’t recover the cost of damages in any way. You may loose hundreds of pounds in lost rental income. Some times the legal expenses will be too much to bear, those eviction charges and solicitor’s fee may be high. To avoid all these you need to get a proper insurance to protect your rental income.If you reach out to companies to claim your lost rent, you may be charged by them to make your claim. It’s better to have a rent guarantee insurance in order to avoid paying those companies 5% of your annual rent for claiming back the amount on your behalf. Such rent guarantee insurance helps you in times of some calamity. Find out who has a clean tenant history. If you don’t have enough funds to invest in rental insurance, you may find it difficult. Are you apprehensive of getting such insurance cover, then, you should talk to the online insurance experts who will offer you better picture of the benefits of your insurance against rent payment.



About the Author

Kirthy Shetty, Platinum author. For more information on: Rented Property InsuranceGet more information on: EPC Providers










More Rented Property Insurance Articles

Bookmark and Share
Link to this post!
Posted in Rented Property Insurance | Tagged , , , | Leave a comment

Holiday Home Insurance

Posted on 21/02/2012 by admin

www.insuranceforholidayhomes.co.uk Specialist holiday home insurance, for the best deal on your second home insurance

Bookmark and Share
Link to this post!
Posted in Holiday Home Insurance | Tagged , , | Leave a comment

Tenth Circuit Continues the Ambiguity of “Advertising Injury”

Posted on 20/02/2012 by admin

Tenth Circuit Continues the Ambiguity of “Advertising Injury”










Louisville, KY (PRWEB) October 24, 2011

The Tenth Circuit recently decided a case brought by DISH Network against its Commercial General Liability (CGL) carriers, where DISH had been sued on patents claiming call center technology. Although unlikely, some CGL policies may still be interpreted to have some coverage for patent infringement claims if the patent is claimed to be on a way of advertising a product. In DISH Network Corp. v. Arch Specialty Insurance Co., DISH argued that the CGL coverage for “advertising injury” was potentially triggered by the asserted patents’ claims which purportedly included advertising or product promotion.

Although “numerous cases do, indeed, categorically rule out ‘advertising injury’ coverage for patent infringement,” DISH, slip op. at 12, “where an advertising technique itself is patented, its infringement may constitute advertising injury.” Id. at 14. The court noted that allegations of patent infringement by a product are consistently held to not be within advertising injury coverage, regardless of how that product might be advertised. Only when both the accused activity and the patent’s claims are within the scope of advertising does the potential for coverage attach. The insurers continued to assert various intellectual property (IP) exclusions and causation arguments, and the case will return to its trial court for further litigation.

According to Robert Fletcher at Intellectual Property Insurance Services (IPISC), “Obtaining CGL coverage for patent litigation continues to be a difficult and unpredictable endeavor. When cases like DISH continue to be litigated in the courts, you can be sure that carriers will attempt to further limit any plausible type of IP exposure under their commercial insurance policies. It is essential that companies not rely on the unpredictability of the courts to determine if they have coverage under their CGL policies”.

Fletcher goes on to say, “Companies are well advised to proactively obtain insurance coverage specifically tailored to address their most valuable asset, intellectual property rights. Instead of taking the chance on CGL coverage, a company can obtain a dedicated policy where patent infringement allegations can be explicitly insured without the need to litigate coverage through trial and appeals courts. These dedicated IP policies can even cover the cost of pursuing a CGL carrier in those exceptional cases where it should provide coverage. Despite the established availability of IP insurance policies, most companies have not been made aware of the existence of IP insurance.” It is important to discuss IP insurance with a knowledgeable insurance professional.

Robert Fletcher is the founder and president of Intellectual Property Insurance Services Corporation (IPISC). IPISC continues to be the leading provider of intellectual property insurance and risk management products and services in the United States and worldwide, with over twenty (20) years of expertise and experience. For further information, please contact Karrie Lewis, Marketing Director at IPISC, at 502.855.5310 or klewis(at)patentinsurance(dot)com. Please visit our website at http://www.patentinsurance.com.

###



















Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







Bookmark and Share
Link to this post!
Posted in Intellectual Property Insurance | Tagged , , , , , | Leave a comment

Why Do I Need Hotel Insurance

Posted on 16/02/2012 by admin

Article by Kathryn Dawson









Hotel insurance and guest house insurance usually offer the same type of coverage, although not always to the same full extent. The key points are the same as required under most business insurance policies, although the wording and limitations will usually vary according to the type of business and the industry in which your business operates. All businesses require an insurance policy that will cover buildings and contents, liability, both public liability and employers liability, and a ‘business interruption’ element to the policy.

The most common purchasers of a hotel insurance policy include businesses such as hotels, motels, and hostels, and bed and breakfast or guest house operations.

As mentioned above, the three key features of a hotel insurance policy are:

Buildings and contents insurance to protect your business in the event of fire, flooding, theft, break-in and resulting damages.

Public and employers liability in case of injury to employees or third parties whilst on your property.

Business interruption, a general term covering incidents that cause loss of income, such as electricity failure or gas leak, fire or flood damage, or injury, illness, or death of owners. This last element will help ensure that even in worst case scenarios, your business can still operate effectively, whereas otherwise there may be cause to shut down.

There are, however, a few key differences with the coverage allowances with hotel insurance as opposed to many general business insurance policies with these same features. For example, a hotel insurance policy may include coverage for damages such as a broken window, fixtures and fittings, landscaped garden property, and hotel frontages including signs and external blinds. As these are all elements that may hold a significant impact on business operation with regard to reputation, it is important that the upkeep of such items be maintained, and damages repaired promptly.

Other specific benefits that may be associated with a hotel insurance policy include coverage for loss of metered water; theft of keys, to include having the locks changed to prevent unauthorised access; loss of money both in and out of business hours and from sources such as vending or gaming machines as applicable; and loss or damage to outside equipment, such as outdoor lighting or heating appliances and picnic tables or other outdoor seating arrangement.

There may also be the opportunity to increase coverage of loss of stock during the primary season, an increase in coverage of both public liability and employers liability in particular for situations of outdoor catering. This additional coverage will also include protection against damage to your equipment, and to property of both guests and employees.

You should also ensure that your hotel insurance policy will cover loss or damage to the personal effects of your guests. It is also possible to select a hotel of guest house insurance policy that includes the receipt of equivalent rental or tenancy payments in the event of damages severe enough to prevent possible tenancy.

When choosing the most suitable hotel or guest house insurance policy for your particular business, examine the offerings of coverage with regard to business interruption protection within your policy duration. This will ensure that should a number of different possibilities crop up, your business can remain in operation. These include vermin and other pest issues, loss of accounts receivable (i.e. when guests don’t pay up), denial of access, all the way to notifiable illness or death, to include murder or suicide. While there may be one or two items on this list that you may not want to consider, it can be reassuring to know that the event is covered.

Comprehensive hotel insurance or guest house insurance is critical to the survival of a hospitality business, and is reassuring for the mental and emotional concerns of anyone running a business providing guest accommodation. If your business includes the provision of meals and beverages, particularly to customers who are not also purchasing nights of accommodation, you may need additional cafe insurance; check the terms of your selected insurance policy thoroughly to ensure it provides adequate coverage to meet all the requirements of your business.



About the Author

Kathryn Dawson writes articles for YesQuote, where you can find the best insurance quote and advice in the UK. YesQuote provide competitive rates and coverage for a wide range of businesses. They are well known specialists for hotel insurance, guest house insurance and cafe insurance, working only with the top A-rated insurance companies to offer products and services to any small and medium sized businesses, and are able to cater to any requirements.










Bookmark and Share
Link to this post!
Posted in Guest House Insurance | Tagged , , | Leave a comment

Renters Insurance

Posted on 15/02/2012 by admin

If you rent a house or apartment, your possessions are NOT covered under your landlord’s policy. Having renters insurance can help protect your belongings and give you peace of mind. Spokespersons: Jim Eury, landlord; Bill Baily, Insurance Information Institute.
Video Rating: 0 / 5

Bookmark and Share
Link to this post!
Posted in Landlord Home Insurance | Tagged , | Leave a comment

Insure Your Homes With Cheap Home Insurance Cover

Posted on 12/02/2012 by admin

Article by Henry Bell









You home is perhaps the most important financial investment that you will ever make. Therefore it is quite understandable that such an investment needs care. Apart from that, it is our duty to make sure that our homes are secured against any mishaps. For this reason, home owners should consider purchasing home insurance policy with a suitable cover.

For many people, paying for home insurance means a mere wastage of money. This is because of the amount of money that one has to pay as premium. But with the coming up of many insurance companies in the market, the rate of premium of home insurances have also come down to a great extent. So you can definitely avail a cheap home insurance cover if you search the market properly and thoroughly.

Although everyone takes proper care of their homes, but sometimes such circumstances occur that are beyond our control. These circumstances can cause a severe damage to our homes and its building structure. Again there may be the probability of thefts in your household. Can you really afford thousands and thousands of pounds more to repair your building structure or to replace the stolen items? A proper yet cheap home insurance cover can give assist you in this situation.

There are four basic types of cheap home insurance cover:

*Building structure: This will cover the damage done to your building structure including the sheds, garages, fences of the house.

*Contents of the house: This cheap home insurance cover will pay for the cost of replacement of the contents of the house if they get stolen or damaged.

*Public Liability: This will cover up the cost if anyone who is not a member of your house gets injured in the premise of your house.

*Living cost: If for any reason you have to leave your house and live outside, your home insurance cover will pay for the cost of living.

But before the purchase of any home insurance cover; you should carefully do your homework. The first thing that you need to do is to look out for potential home insurance providers. Decide properly which company will provide you the best home insurance cover. Online method of locating and buying home insurance covers has made the work of the people easier and comfortable. So without any delay go get your cheap home insurance cover now!



About the Author

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb.co.uk endeavors to find the best possible deals for its customers. To find cheap home insurance cover, break down cover, mobile phone insurance, motorcycle insurance, medical insurance visit http://www.insuranceb.co.uk










Despite having moved into his “dream house” only in September, Sachin Tendulkar has already secured his five-story Bandra residence with a staggering Rs. 100 crore insurance cover, one of the biggest insurance deals by an individual. The cricket icon has bought the insurance from a consortium of general insurers, according to industry sources.

Find More Home Insurance Cover Articles

Bookmark and Share
Link to this post!
Posted in Home Insurance Cover | Tagged , , , , , | Leave a comment

Protect Your Business from Liability Claims Using Public Liability Insurance

Posted on 12/02/2012 by admin

Article by Keystone.ie









Businesses that are directly associated with public are prone to liabilities as there are chances of accidents, even after making a conscientious effort to avoid them. If your customer or any other person sues you for death, injury or property damage at your premises and if you do not have public liability insurance, you may face significant costs that can cripple your business.

These liabilities pose a severe financial threat to the businesses. Apart from the claimed amount, the high legal costs incurred in defending the cases filed by the third-parties are also to be paid by the company. Hence, having public liability insurance is very important to get out of these unexpected heavy expenses.

Read on further to know about the frequency of personal injuries at business places and how the public liability insurance helps in protecting your business from these claims.

Statistics of injury claims: According to the reports released by the Injuries Board of Ireland, there were 8,645 personal injury claims lodged in the year 2009. Among them, one in six (17%) were related to public liability, with an average award amounted to 23,143 Euros for each claim. Nearly 51% of these accidents took place in privately owned establishments, 25% in retail/shopping outlets and 19% in pubs/night clubs or restaurants. With this high rate of accidents, businesses are required to take a public liability insurance to stay guarded of future legal claims.

Listed below are the benefits of having public liability insurance.

Reimbursement of claimed amount along with legal fees: Public liability insurance compensates you with the amount of reimbursement claimed by the third-party and also the money paid as legal charges for fending such claims. This is especially significant since you are required to pay large amounts of money as legal fees.

Covers expenses related to property damage: In addition to death and injury, the damage or loss caused to the property of the third-party is also covered. Hence, a public liability policy provides the third-party with the repairing costs of the damaged property or the cost needed to buy a new property.

Offers recovery expenses: Another good thing about the policy is that it offers recovery expenses. Along with the claimed amount and legal fees, the policy also provides medical aid to the injured person. This insurance covers costs related to hospitalization, treatment cost, medical bills, rehabilitation, and other damages. Some policies also offer domestic help and other aids to help the victim recover quickly.

Provides assistance in legal dealings: The main advantage of liability policy is that the business owners do not have to constantly worry about the legal fights. The insurance company deals with all the legal complexities associated with the claim. For instance, if you lose the case, the insurance company pays the compensation and the legal fees, and if you win the case, it collects the legal fees from the injured party. This way the insurance company eliminates your legal hassles.

Protects the employees: Public liability insurance cover helps and protects the employees in case they are responsible for any accident that injures or damages a third-party or his property due to negligence at work. As they represent the company, the policy indirectly protects them from legal costs. This shows the company’s concern towards its employees.

In order to survive in this litigious society, every business needs public liability insurance to protect itself from the risks, costs and compensations associated with accidents.



About the Author

Keystone Insurance Group is Ireland’s premier supplier of public liability insurance and business insurance solutions to Irish industry. We offer a broad range of builders insurance, construction insurance, and business liability insurance products. Our public liability insurance Ireland and business insurance Ireland products offer great value to contractors and general business customers. Our experienced and professional team quickly arranges quotes for all classes of business insurance.










www.peter-aston.co.uk Cottage Industry are a 4 piece ceilidh & barn dance band from Dorset specialising in song and dance from England, Ireland & Scotland plus medieval banquets, shanty sessions and Dorset, St. Patrick’s & Burns’ evenings. Cottage Industry were established in 1976, since when the band has been on one long rollercoaster of a tour! Gigs across the country have included theatres, castles, country mansions, hotels, boats, clubs and pubs – and leaky barns! It also seems like almost every village hall in Dorset & Hampshire has echoed to the sound of the band’s driving jigs & reels! Highlights of the past 30 years have included a ‘medieval banquet’ broadcast live from the BBC studios in Southampton and playing aboard a schooner owner by an exiled Cuban goldminer – with a crew of 10 Swedish girls! Over the years the band has done quite a lot of recording – starting in about 1978 in a 4 track garage studio owned by photographer Roger Holman, to BBC Maida Vale Studios in 1981 & 1982 which produced a release “We’re All for Swanage”, a song about Swanage Railway that made us famous on TV and radio – well, for about half-an-hour anyway! In recent years Cottage Industry have recorded in Peter Aston’s 16 track studio. Cottage Industry are available for engagements in England & Wales. A quick way to check our availability is to click on “Bookings” in the left hand menu. As Peter Aston is a member of the UK Musicians’ Union, engagements carry automatic public liability …

Related Public Liability Insurance Cover Articles

Bookmark and Share
Link to this post!
Posted in Public Liability Insurance Cover | Tagged , , , , , , , | Leave a comment

Landlord Property Insurance For Your Business

Posted on 11/02/2012 by admin

Article by Martin Sejas









When you make a mistake with your house insurance, it could cost you a small fortune. House repairs are costly proceedings, and without the cover that insurance provides, you can be stuck with the full cost of repairing a roof, or fixing broken pipes. This problem is significantly multiplied by having people in your property that you don’t really know, and might not necessarily trust. Think about it like this: would you lend your car to a stranger without adequate protection against them stealing or crashing it? I’m guessing not. As a general rule, try to use your insurance to guarantee, as much as possible, that your property can be returned to it’s original format, regardless of what tenants do.

Landlord property insurance covers two main aspects. The first is the structure of the building. This includes any type of carpeting (which is a common problem for landlords), white goods and other fittings. Remember, it’s surprisingly common for tenants to remove items that don’t belong to them when they leave. Washing machines go missing regularly, simply because they’re so obvious. You insurance probably won’t cover theft by tenants. Usually it only covers forced entry.

Another common issue is tenants redecorating without approval. It’s natural for a tenant to want to redecorate, but if they turn the place into too personal a space, then you may have difficultly letting it after they are gone. Not everyone has good taste. In this instance, you need cover with your landlord property insurance that ensures you can claim to take it back to its original dcor. The forced entry or exit rule applies here as well, so make sure you have an adequate deposit.

Contents insurance is very useful for those who want to rent out a furnished property. This will cover anything like TVs, beds, furniture and other items you have left for the benefit of the tenants. Remember that the more desirable pieces are most likely to go missing. This brand of landlord property insurance is a reasonably simple affair, and requires you to list the value of the items inside and submit to your insurance company.

Calculating your landlord property insurance is done by your insurance company, and while there are a number of ways of doing this, you don’t have much say in the methodology. Basically, your insurance company takes the structure, age and use of the building into account and creates a rating for your building. This can then be translated into a risk rating for your property. Above all, make sure you’re covered for any damage done by your tenants, and you should be okay.



About the Author

If you are a property owner, then landlord protection insurance is something that you need. Get a free quote today.










Landlord property insurance – good news as demand from buyers remains low.
Video Rating: 0 / 5

Find More Landlord Property Insurance Articles

Bookmark and Share
Link to this post!
Posted in Landlord Property Insurance | Tagged , , , | Leave a comment

A Third of Brits Delaying Home Maintenance Projects

Posted on 10/02/2012 by admin

A Third of Brits Delaying Home Maintenance Projects











(PRWEB UK) 20 June 2011

New research reveals that cash-strapped homeowners are putting off home maintenance projects to save money. Nearly a third (32 per cent) of respondents said that they are delaying home maintenance and decorating jobs to save cash, while 22 per cent were putting off fitting a new kitchen and 17 per cent a new bathroom suite.            

The survey commissioned by leading comparison website, Gocompare, revealed that 32 per cent of Brits say that they really need to make some cutbacks to make ends meet. Not carrying out home maintenance and renovation projects were identified as areas where savings could be made. The survey also found that in order to reduce their outgoings, eight per cent of people would consider not renewing their home buildings insurance and another eight per cent would consider not renewing their insurance for their home contents.

Phil Paterson-Fox, Gocompare.com’s head of home services, commented, “In the current economic environment it is a good idea to review your finances and cut back on unnecessary spending – but it is important that in order to save money now, you don’t make false economies. For most of us, our home is our most valuable asset, so when making cut backs you need to ensure that it is adequately protected.

“Homeowners need to think carefully about the maintenance jobs they are putting off. While it may be ok to delay cosmetic redecorating jobs, essential repairs should not be ignored. Delaying structural repairs – a leaking roof for example, may lead to more damage and a bigger bill for repairs in the long-run than if it is dealt with promptly.”

Phil continued, “People should also think very carefully before deciding not to renew their home insurance. While it is not a legal requirement to insure your property, it is usually compulsory to have buildings insurance if you have a mortgage on your home. The cost of rebuilding a property after fire, flood or subsidence can run into tens of thousands of pounds, so even if you own your home outright, you need to consider what you would do if the worst happened. Similarly, before stopping your home contents insurance you need to think about whether you can afford to replace lost or damaged goods.

“A better solution to ditching your cover would be to shop around for a better deal. Only 22 per cent of those taking part in our survey had switched home insurance in the last 12 months, while 14 per cent had never changed provider.

“Using a comparison site to compare home insurance products is simple and fast, and you could save hundreds of pounds while benefiting from the same level of protection for your home. Last year, Gocompare.com customers saved on average, over £230 by switching their building and contents insurance*.”

For further information please contact:

Lynsey Walden or Anders Nilsson at Gocompare.com on 01633 654 055 / 01633 657 599

Gordon, Jason or Liz at MAW Communications on 01603 505 845

Notes to Editors:

Research commissioned by Gocompare.com. Carried out with 2,000 UK adults in May 2011 by OnePoll Research.

*£232 by switching their buildings and contents insurance after comparing policies from over 70 different insurers and brokers. (Based on Online independent research by Consumer Intelligence during 01 April 2011 to 30 April 2011, 10% of consumers could achieve this saving with Gocompare.com home insurance. )

Gocompare.com launched in November 2006 to help people find the right insurance cover at the right price. It was founded by Hayley Parsons who has worked her entire career in the insurance broking and aggregator markets and was the first comparison site to focus on displaying product features rather than just listing prices. It was this philosophy that led to Gocompare.com becoming the first price comparison site to be invited to join the British Insurance Brokers Association (BIBA) in May 2008 and helped force older comparison sites to change their ‘quick quote’ ways and stop using assumptions to calculate estimated figures.

Today, Gocompare.com provides one of the most comprehensive online car insurance comparison services in the UK as well as comparing home, pet, motorbike, van insurance and breakdown cover.

Gocompare.com is authorised and regulated by the Financial Services Authority.

###





















Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







Bookmark and Share
Link to this post!
Posted in Compare Home Insurance | Tagged , , , , , | Leave a comment

Weekly Address: Taking the Insurance Companies on Down the Stretch

Posted on 09/02/2012 by admin

As the health insurance reform debate enters into its final stages in Congress, the President denounces the desperate and deceptive last-ditch efforts of the health insurance companies to derail it. October 17, 2009. (Public Domain)

www.abouthouseinsurance.com 1.800-475-6840. Abouthouse insurance is the most reliable source of affordable House insurance companies. Let us help you save your money. apply for your house insurance Quote Today for free.
Video Rating: 0 / 5

Bookmark and Share
Link to this post!
Posted in House Insurance Companies | Tagged , , , , , , | 25 Comments