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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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House Insurance Companies in South Africa

Article by Ntando Thusi
























House Insurance commonly called homeowner’s Insurance is a kind of Insurance that covers private Homes. it combines different personal insurance protection. which include losses occurring to one’s home. It also covers as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It mostly admire that at least one of the named insureds occupies the home. The cost of homeowner insurance depends on what it would cost to replace the house and additional items to be insured.Different Types Of House Insurance Companies in South Africa

Dial direct : Dial Directs simple, smart Home Contents insurance makes sure you can replace most of those items should anything happen to them ‘ at today’s prices. For example, if you bought a top of the range TV for R5 000 six years ago, you probably insured it for R5 000, however at today’s prices, a TV of the same caliber would probably cost about R10 000. If something happened to that TV and you submitted a claim without updating its replacement value, you would only be paid out the R5 000 insured value. Mi way Home Insurance : Mi Way Buildings Insurance product covers the permanent structures on your property as well as all permanent fixtures, fittings and improvements to your property. Buildings Insurance will cover your borehole and swimming pool pumps, gate motor as well as underground pipes and cables. Standard Bank : A comprehensive homeowner’s insurance policy protects your home from the risk of structural damage, including fire damage, storm damage or a burst geyser. Standard Bank Insurance Limited comprehensive insurance policy provides hassle free, reliable cover with excellent value-added benefits. OutSurance : We’ll cover your household contents against theft, intentional damage to your valuables, as well as damage caused by a power surge or a burst geyser. Even damage to your contents due to fire, lightning storm, hail and flood is covered. We’ll apply an automatic annual inflation-linked adjustment to ensure that your contents won’t be under-insured. Our standard household insurance package also takes care of personal liability which covers you if your domestic worker gets injured while on duty or where you may be held responsible for causing death or injury to someone else or damage to their property. Don’t forget to add our OUT-and-About product where you’ll receive cover for items you take or use outside your house. To insure the structure of your building or any permanent fixtures or fittings, read more about our buildings insurance product. I Hound: covers physical damage to a person’s property. When taking out a bond, the financial institution will only approve the mortgage if house insurance has been taken out. House insurance will cover the insured against damage caused by fire, flood, earthquake and much more. House insurance policies will usually have additional benefits for the policy holder such as cover for accommodation costs for the duration of rebuilding or repairs to their property. This will alleviate some of the severe stress experienced in situations where a person’s home is severely damaged or completely destroyed. Due to there being a much lower risk of claiming from a house insurance policy, the premiums are generally lower. Factors that influence your risk profile include whether you have a thatched roof, live near a river or dam and geological considerations. House insurance policies usually do not cover damage due to political unrest, civil disturbance or war.

About the Author

Im an insurance advisor to find more info about life insurance go to

home owner’s

http://homeinsuranceblog.hubpages.com/hub/housensurancequotes?done












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Compare home contents Insurance

Article by Jon McGovern
























Most people want to compare home contents insurance to be sure that they’re getting the best deal possible. The key to making the most of your home insurance comparisons is to not only compare the price but the policy features too.To start with, like most forms of insurance, home contents insurance will normally carry an excess. The excess is a financial amount that you would be expected to pay in the event of a claim and it’s sometimes called the ‘first part’. So to compare home contents insurance policies you may need to start by examining the respective excesses. In general terms, the higher the excess then the lower the price of the policy (usually known as the premium) – providing all other things are equal. Taking the comparison to the next stage requires some thought as to what the different policies include.Typically a home contents policy will, as the name suggests, cover the contents of the home. This usually includes furniture and fittings, personal belongings such as clothes and ornaments, and most forms of jewellery and electronic equipment. With some policies, individual high value items such as rare antiques, very precious jewellery and high value electronic items may need to be declared separately. Insuring these items may involve additional costs. The policy may also cover items of furniture and equipment such as garden furniture and tools stored outside or in external sheds. It may also be possible to insure under this type of policy for the loss or damage of personal property when in use at other locations – a good example of this may be the loss of expensive spectacles at the office.As with all insurance, many home contents insurance policies could come with exclusions and conditions. When comparing between policies, these are also factors that may help a decision.As an example, not all policies necessarily offer new-for-old cover. In other words, if for example, a five-year-old television is destroyed in an accident, the policy may not replace it with a brand new, current model. Some policies may have value limits for individual items. Others may exclude certain types of items or goods such as cash or commercial goods for sale that were stored at the home. Items that are someone else’s property, such as an employer’s computer in use in the house, could also face exclusions. Something else that may require attention is the fact that not all policies view the security of the home in the same way. Some companies may insist that specialist locks and alarms are fitted to doors and windows before some categories of cover are be available. Others may charge additional amounts for properties situated in certain areas seen to be ‘high risk’ in terms of burglary etc. There are home insurance comparison websites that can help you make the selection process easier by allowing you to not only compare the premiums but some of the major policy benefits too. This means that you can choose the policy that best fits your requirements and budget.

About the Author

Jon McGovern is from Tescocompare.com, the insurance comparison site where you can compare car insurance policy features and prices.












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Insurance Risks for Holiday Homeowners

Insurance Risks for Holiday Homeowners











Truro, (PRWEB) June 1, 2009

Regional insurance firm Cornish Mutual, which has Members across Cornwall, Devon, Somerset and Dorset, says many people may be unaware employers’ liability insurance is a legal requirement and holiday homeowners could face a costly claim or even a prison sentence if a member of staff is injured whilst working on or in their let property.

Latest figures* from the Health & Safety Executive show there were 28 fatal injuries to workers in the South West in 2007/08 and 2,337 reported major injuries in the region – Over two thirds (66%) were amongst workers in service industries.

Chris Ridgers, at farm insurance specialist Cornish Mutual said: “Your employees may be injured at work and they might try to claim compensation from you if they believe you are responsible. It could be a cleaner who goes into the property on changeover day or a gardener you employ to maintain the property – anyone who’s working under your guidance and using your tools and equipment.”

Whilst public liability insurance is not a legal requirement, the cost of not having holiday home insurance could amount to hefty claims from guests injured whilst staying in the property. With 20 per cent of all visitors to the South West choosing to stay in Self Catering accommodation**, it is important for property owners to make sure they have sufficient cover to guard against these risks.

Recent examples of claims experienced by Cornish Mutual include a guest who tripped over a step and fell onto a wood burner sustaining nasty burns and another guest who broke a number of bones after falling over a concrete mushroom in the garden. Other liability claims include damage to a property or its contents.

Malcolm Bell, Chief Executive of South West Tourism said: “We want all visitors to the South West to come to the region and have a safe and enjoyable time when they are here. There is so much to see and do in the South West and we are lucky to have some of the best self catering properties in the UK. Property owners need to make sure they do all they can to ensure their visitors enjoy their stay and this includes having adequate cover for their business.

“We would encourage property owners to take out public liability insurance to ensure they are covered should an accident happen.”

Iain and Gill Butterworth run specialist holiday homes letting agency ‘Holiday Homes & Cottages South West’, based in Torquay, Devon. Their Agency Agreement (legal contract between owner and the company) incorporates a declaration that the owner confirms that they have ‘adequate commercial public liability insurance’.

Gill added: “We recognise the importance of having insurance that is appropriate and offers the right level of cover. We, therefore, do not take on a new property before ensuring the owner has the right cover in place.”

Cornish Mutual’s Let Property and Buy to Let Property Insurance products include holiday homes – this provides cover for buildings, contents and public and employers’ liability insurance. For more information visit http://www.cornishmutual.co.uk or call 0845 900 1288.

*HSE, South West government office region (GOR), Statistics of occupational ill health, safety and enforcement 2007/08

**South West Tourism, South West Visitor Survey 2007

For more information, contact:

Ryan Martinez    

Deborah Clark Associates

01208 77900

07887 746569

Melissa Ward    

Cornish Mutual    

01872 277151    

07702 673343     

Notes for editors:

Founded by a group of Westcountry farmers in 1903, Cornish Mutual is the only general insurer based in the South West. Even today, the company is still owned by its Members, and remains at the heart of rural communities throughout Cornwall, Devon, Somerset and Dorset.

Although staying true to its origins in agriculture (around two thirds of Cornwall’s farmers are Members), Cornish Mutual now provides household, commercial, events and personal accident insurance to Members of all descriptions, living or working throughout the South West countryside.

For more information on Holiday Homes & Cottages South West visit http://www.swcottages.co.uk or call 01803 299677

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