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Why Counselors Need Liability Insurance

Article by Heather Pulse
























It is important that you find the right kind of liability insurance for counselors in order to protect your practice. No one is immune from a liability lawsuit no matter how careful or professional your services. Whether or not you are at fault for a claim of negligence, you will still have to pay legal defense fees even if there are no damages awarded. If you do not have insurance, you can find that even these fees can put a huge dent in your practice’s profits and can bleed into your personal assets.

Professional liability insurance works for counselors in the same way it does for all kinds of professionals. As a counselor, you are dependent upon your reputation in order to draw in clients and retain them. You need liability insurance to protect your name against slander and libel because accusations can prevent you from drawing in new clients and make you lose existing ones. This is why it is just as important to have professional liability insurance just as it is to have general liability or commercial property Liability Insurance for Counselors to protect physical assets.

As you look into Liability Insurance for Counselors, you will need to consider how much coverage you need and where you need to be covered. For instance, if you work with patients off site including their homes, you want to make sure your policy will cover you in this venue. With mobile technology making it possible to work from anywhere, you want to have coverage that can protect you anywhere in the world, but you may want to pay close attention as to how you are covered if you work with clients who are not local.

When you look for coverage, you may want to keep in mind that your policy will only cover you up to a certain extent. In some professions, you may find coverage that protects professionals in the millions of dollars. However, you may find that you only need a few thousand in coverage. In addition, you should keep in mind that your policy will not cover any claims that occurred before you obtained the policy and does not cover punitive damages or cases of fraud.

There are many choices you have to make when you need to get liability insurance for counselors. However, there are many companies that work specifically with this kind of liability insurance, so you are most likely to get the type of products you need here. You can search for these companies on your own and go through a plethora of quotes, or you can get some expert help from a broker or agent. In either case, you must be prepared to undergo the process of finding the right coverage.

About the Author

Visit Liability Insurance for Counselors for more information or visit our blog at http://cvcourt.com/why-counselors-need-liability-insurance/.












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Consumers in the United States can now use InsuranceQuotesUSA.com to Save up to $800 on Car Insurance

Consumers in the United States can now use InsuranceQuotesUSA.com to Save up to $ 800 on Car Insurance











New York, New York (PRWEB) June 11, 2012

InsuranceQuotesUSA.com now partners with at least 10 insurance companies or independent brokers per State across the United States. Since its launch late May, 2012, the website has helped over 224 consumers find and save money on car insurance quotes. “We are very glad and excited that our services are helping people save money,” said Eric, Senior Advisor of InsuranceQuotesUSA.com. “With the addition of insurance providers, we will be able to provide more accurate and competitive rates in the near future.”

“One individual managed to save over $ 828 with us on a new policy with identical coverage,” Eric added. “Our goal is to give consumers as much opportunities to compare as possible so they can maximize their savings.” USA Census (http://www.census.gov) reports an average cost of $ 1,571.51 on car insurance. “Our data shows an average cost of $ 1,489.26 on car insurance premium,” Eric continued. “That is an average saving of $ 82.25 by using our services.”

InsuranceQuotesUSA.com is expanding its online presence in the insurance industry. On June 9, 2012, the company has acquired AffordableInsurancePlans.com. “Our system is scalable and very brand-able,” said Eric. “The addition of AffordableInsurancePlans.com will improve our search engine visibility in the long run. And we expect to see significant improvements in the search engine coverage for our insurance channel.”

In addition to the expansion of insurance providers and web properties, InsuranceQuotesUSA.com continues to improve the performance and accuracy of its services. When a zip code is entered, the system automatically determines the location of the zip code, connects with insurance providers in the specific area, and then displays quotes from multiple companies on the screen. The entire process completes in a matter of seconds.

“Our service is free, fast, accurate, and simple to use. It doesn’t hurt to compare,” said Eric. “Don’t miss out on the opportunities to save money on car insurance.”

In addition to car insurance, InsuranceQuotesUSA.com also provides home, health, life, business, and travel insurance quotes. Compare and save money on insurance plans today!























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.









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Wise Businessmen Get Public Liability Insurance

Article by Brent Ford
























A lot of people believe that if you own a business, then you’re probably rich since you make a lot of profit and seldom face any losses. This is not entirely false as it can be true if businessmen choose to insure their business with the correct insurance plan. In Australia, insurance companies have helped several business owners by offering good public liability insurance plans.

Smart businessmen get public liability insurance plans to escape having to pay for any liability claims from third parties right out of their own pockets. Aside from protecting the business, public liability insurance also gives some peace of mind to the business owners, letting them focus more on how they can run their business successfully.

Public liability insurance is not only ideal for people who work from an office location but it is also ideal for those who work from home. This insurance plan is ideal for anybody who uses a designated area for business wherein clients are allowed to visit that area on a regular basis. Public liability plans not only cover businesses when an accident has occurred at the designated premises but also when the business owner has taken a decision on behalf of the client that had a negative impact on the client. Due to this reason, professionals such as doctors, architects, tax and real estate agents are encouraged to opt for public liability policies. Store owners and construction company owners are likely to benefit the most out of liability insurance plans.

Liability insurance plans are meant to encourage out of the court settlements and prevent law suits. The insured amount chosen by the business owner is paid to the third party to settle for any damages done. Buyers should note that even though most insurance providers allow them to chooses their desired insured amount and deductible, opting for a high deductible may reduce premiums but by choosing a high deductible the granted compensation amount will reduce significantly as well. Smart business owners often choose a small deductible and a high insured amount.

Knowing that your business is protected from potential liability claims can help you run your business smoothly and securely. There are several different types of liability plans being offered to people who want to protect themselves and their businesses from liability claims. Depending on the nature of your work or business, you can insure your business for million or more.

About the Author

For more information about public liability insurance, visit http://www.publicliabilityinsurancequote.com.au/












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Protect Your Bubble Reveal High Risk Holiday Destinations

Protect Your Bubble Reveal High Risk Holiday Destinations











(PRWEB UK) 9 September 2012

Purchasing travel insurance is as essential as packing the sun cream and swimming costume when it comes to holidays. Whether it’s a simple holiday to the Costa del Sol or venturing to somewhere a little more unusual, travel insurance can put your mind at rest when it comes to the risk of medical problems, theft, loss and other potential problems.

Of course, if planning to go to a high risk holiday destination, it pays to be even more mindful of potential problems, and travel insurance is an absolute necessity.

It’s advisable to check with the Foreign and Commonwealth Office website before making travel plans, as it will be able to advise on whether travel to any intended destination is recommended.

For instance, FCO currently advises against travelling to Iran, Mali, Somalia, Syria and Yemen and against some parts of Egypt, India, Japan and Thailand.

Lots of common holiday hotspots throughout Europe, America and the rest of the world have high crime rates, especially as tourists make easy targets for thieves and pickpockets. Some cities are infamous for this unsavoury act such as Barcelona, Rome and Prague. Unfortunately in these cities pick picketing is sometimes how people make their living.

Madrid and Paris are also high risk pick pocket destinations. The busy streets and crowded underground metro systems are ideal for crafty pick pockets.

It’s important to be wise to such crime and take reasonable care of valued possessions in order for a travel insurance policy to pay out. It’s always important to check the limits of individual items, as it could be as little as £250. Always report an incident, loss or theft as quickly as possible. Some insurance policies require this to be done within 24 hours to the police in order to claim. Check the policy to see how much the excess is for each claim.

If planning a visit to a destination that is prone to natural disasters, such as earthquakes, tsunamis and hurricanes, make sure the chosen travel insurance has both medical/health cover in case of injury, but also cancellation and curtailment cover in case of holiday abandonment. Places such as Florida, Japan, Hawaii and Turkey have suffered from such events in recent times.

Whatever holiday is chosen, a few simple steps can help make it a stress free experience. Research destinations beforehand, don’t panic if anything goes wrong and remember to keep a record of all insurance documents ready for emergencies.

Protect Your Bubble offers travel insurance from as little as £3.96 for a single trip policy. If a frequent traveller, annual multi-trip policies are available starting from £25.77.

About Protect Your Bubble

Backed by a Fortune 500 company, Protect your bubble is the UK’s largest gadget insurer that also offers a wide range of insurance products include Travel Insurance, Car Hire insurance, Smartphone insurance, Home insurance and Bicycle insurance; all at great value affordable prices.

Related Links:

Travel Insurance – uk.protectyourbubble.com/travel-insurance/

Car Hire Insurance – uk.protectyourbubble.com/carhire-insurance/

Airport Parking – uk.protectyourbubble.com/airport-parking/

Find Us On:

Facebook: facebook.com/ProtectYourBubble

Twitter: twitter.com/protectyrbubble

YouTube: youtube.com/user/protectyourbubble

Prices quoted correct at time of publish and are subject to change.























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.