Rental Properties Insurance – Investor Guide to Rental Property Insurance

www.REIClub.com – Rental Property Insurance Is Essential For Your Real Estate Rentals. Here’s What You Need To Know About Insuring Rental Properties… Hi, this isFrank Chen with REIClub.com, the only site you need as a real estate investor. Today I’ve got quick video on rental property insurance. Intro to Rental Property Insurance The type of insurance coverage landlords need falls under the umbrella term “property and casualty insurance”. We also encourage Landlords to look into Liability insurance, which i’ll cover a bit later in the video. Homeowners insurance mainly focuses on the coverage for the contents of the house, as a Landlord, you don’t really need that. You need rental property insurance. Rental property insurance policies are written for structures that are four units or less. Anything above that, becomes a commercial risk, which requires a commercial policy.. The policy is written as a package policy, meaning that it covers a number of what insurance companies refer to as “perils.” These are things like… – Fire, Hail theft, tornado, hurricane, wind, and water. – Also covers detached structures on the property like a garage or a storage shed. Important to have the appropriate rental insurance Insurance companies assume… (some items require liability insurance in order to be covered) – the risk for damages to your property – Covers you against any injuries or accidents that may occur (Note The Landlord is liable if he is negligible. So anything, that you
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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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Yoga Teachers Need Liability Insurance

Article by Nacams Team
























Before you set out on the path toward financial success as a professional yoga teacher, you need to be sure you have laid a strong foundation for your career. This means making sure all your “ducks are in a row,” as far as your nail station and equipment, your skills and education, your license to perform these services, and also your insurance for yoga instructors.

The last item on the above list–insurance for yoga instructors–is one that may not be at the forefront of your mind, especially if you are still busy finishing up your training, securing a station for providing your services and obtaining your license to perform your services as a yoga teacher. However, it is important to make sure you have your insurance for yoga teachers in place before you begin doing business.

In many areas, possessing insurance for yoga teachers may be a legal requirement, meaning that you must have yoga insurance in order to legally provide your services at a yoga studio, whether you own the salon or simply work there at your own station.

There are a few key reasons why it is so important to sign up for yoga liability insurance, even if you happen to live or work somewhere that does not require such a policy. The main reason is the fact that yoga insurance can provide crucial financial protection and coverage for your and your business in case a client ever files a claim against you.

As a professional yoga teacher, the risk of having a client file a claim against you for damage or injury may be relatively low–especially in comparison to other professionals who offer more invasive and inherently risky services, such as surgery or dental work. However, the fact remains that there is still some risk involved with being a professional yoga teacher, and that risk should be insured via insurance for yoga teachers.

One of the easiest risks to understand, and one that applies to nearly every person who has clients come to them for goods or services, is the risk of having a client suffer an accident on your property, such as a slip, trip or fall. If this happens, and the client decides to sue you for the damage or injury–since the accident occurred on your property–you will need the general liability aspect of your yoga liability insurance to kick in and provide the necessary financial coverage.

Of course, yoga liability insurance provides several other important forms of protection as well, including professional or malpractice liability insurance and property liability insurance.

Yoga Journal is an American based media company that publishes a magazine, a website, DVDs, and puts on conferences all devoted to yoga, food and nutrition, fitness, wellness, and fashion and beauty.”Yoga Journal” was started in May 1975 by the California Yoga Teachers Association, which included William Staniger, Chairman (aka William Golden since 1982), Rama Vernon, President, Janis Paulsen, Secretary/Treasurer, and board members Ike and Judith Lasater, Rose Garfinkle, and Jean Girardot. William Staniger was Yoga Journal’s founding editor.

About the Author

The National Association of Complementary and Alternative Therapy (NACAMS) is a national insurance provider offering CAM professionals comprehensive liability insurance and practice support. While providing the best value to the practicing CAM professional, NACAMS liability insurance package is the most comprehensive in the CAM industry. By focusing our liability insurance exclusively on the complimentary and alternative medicine professional we are able to provide a personalized experience and a comprehensive plan of member benefits.












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Prairie State Insurance Cooperative Expands Executive Committee Membership

Prairie State Insurance Cooperative Expands Executive Committee Membership










Itasca, IL (PRWEB) February 14, 2012

The Prairie State Insurance Cooperative (PSIC) is pleased to announce the expansion of its Executive Committee board, and the appointing of two new board members, growing the board from seven to nine members.

Dr. Julie Ann Fuchs, assistant superintendent for business at the Kaneland Community Unit School District #302 and Thomas Akers, superintendent at Cambridge Consolidated Unit School District #227 have accepted the two newly created positions with PSIC.

The board expansion was in line with the goals set out by the PSIC board once it reached the 100-district-member benchmark, which occurred in September 2011. “The goal is to make the group as representative as possible, including small districts, larger districts, rural, urban and to represent the geographic differences of having school districts in northern, central and southern Illinois,” says Robert Pegg, Marketing Director for Associated Risk Managers (ARM) of Illinois, which handles marketing efforts of the program.

Dr. Fuchs has been responsible for business and operations at Kaneland CUSD #302 for the past three years and a PSIC member district since 2009. She completed her undergraduate work at Illinois State University and received her doctorate in curriculum leadership from Northern Illinois University.

Thomas Akers carrier spans 20 years in education as a principal in Rock Falls, IL and for the last five years as the superintendent of the Cambridge Consolidated Unit School District #227. Tom and his wife Kelly live in the Cambridge area with their four children.

The PSIC program writes property and liability insurance, workers compensation coverage, school board liability, student accident coverage, pollution coverage, and treasurers bonds. Since 2006, ARM of Illinois has been offering the PSIC plan to Illinois public school districts. Now at 100 members, the program has become a model for self-administration of insurance and risk management for public schools. The program is administered by Arthur J. Gallagher Risk Management Services, Inc.

“We are pleased to have the added expertise that Dr. Fuchs and Mr. Akers bring to our board,” says Pegg. “They will add a depth of understanding and a passion to our efforts that will only enhance what we’ve already accomplished.”

About Prairie State Insurance Cooperative:

The Prairie State Insurance Cooperative (PSIC) is a protected, self-insurance risk management program that gives districts long-term stability in premiums, as well as broader coverages and increased limits. A specialized insurance & risk management program for public school districts in North, Northwest, Central and Southern Illinois, the PSIC offers several property, liability, and employee- and student-related coverage options. The program is administered by Arthur J. Gallagher Risk Management Services, Inc.

About ARM of Illinois:

ARM of Illinois is the regional membership association serving member agencies in the state of Illinois, and is part of the national association of ARM.

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