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Wednesday 21 March 2012

If You Own A Care Home Then The Correct Insurance Is Critical

20:32 hanif

No matter what type of home you own and run, you really do need the correct type of insurance.
This includes care for:
• The elderly
• People suffering from Physical disability
• People with Dementia (EMI)
• People with Sensory impairment
• Alcohol / Drug Dependency
and many other types of home, covering all ages and reasons why that person would be in the care home.
Care home insurance is a very niche and specialist insurance, so you will usually be limited by the number of insurers who will take on this type of insurance, but it is out there if you look hard enough. Just searching for care home insurance on the Internet can often take a while to sift your way through the results.
You will probably need to find a specialist insurer as many "more general" insurance companies will not offer this type of insurance and even if they do, they will not overly advertise the fact they do as they normally leave their specialist type of insurances to brokers who will then approach them on your behalf.
It is quite usual to use a specialist broker when it comes to finding care home insurance, mainly because if you try to find this yourself or the company yourself, you can often end up with a list of calls to make to companies who probably won't be able to deal with your requirements. A specialist broker or a specialist website that only deals with care home insurance will mean that when you hand over your details, you are not wasting your time and are only going to get back decent and relevant quotes.
When arranging your care home insurance, be prepared to answer lots of questions, which will usually include the speciality of the home, number of beds, location, staff numbers and so on, and quite often you will be required to provide information about your turnover and other financial information.
As with any other type of insurance, if you fail to provide full details or some of the others are incorrect, then you could well find that if and when you come to claim on the insurance it could well be void due to any errors or non disclosures. There really is no point in trying to save money by not providing certain details or distorting others, so make sure you are totally honest and truthful and provide the information accurately for the insurance company.
Ian owns and runs a wide range of insurance comparison sites, aimed at more of the niche and specific insurances.
The sites contain an easy to use quote form and lots of information about the relevant insurance.
Insurance For Care Homes
Article Source: http://EzineArticles.com/?expert=Ian_Douglas_Spencer

Article Source: http://EzineArticles.com/6921150

Commercial Insurance Quotes

20:26 hanif

If you operate or are responsible for any type of business entity or commercial enterprise, in order to obtain the right insurance for the company you will need to find and compare suitable commercial insurance quotes. A quote is an offer of certain defined insurance covers in a policy for a monetary price.
Quotations can be obtained from numerous sources including locally from specialist high street insurance brokers, over the phone from insurance companies or brokers, or from the many online companies and comparison sites offering all types of insurance cover.
A commercial insurance quote forms a legal offer and is the basis of the contract of insurance between the proposer and the underwriting company. The information you provide on the quotation form is used to calculate both the premium quoted and the levels of cover offered on a policy. The quote data a company provides will be used to complete the policy documents. It is therefore very important that when applying for commercial insurance quotes that the information you supply about your business activities is correct and truthful.
Most companies offering quotes will agree to honour the price offered for a period of thirty days or one month following its issue. When obtaining a quote, regardless of the source, ensure that you retain the reference number which will enable you to either take up the or recall and revise the offer at a later time. Prices offered can fluctuate and a premium offered one week may not be available the next.
Quotes and premiums can be obtained for all business types and all business and commercial risks for both business liability and property insurance, either separately or combined in what is known as a package.
Commercial property insurance will typically provide cover for buildings and contents of business premises of varying types and sizes. For example a shopkeeper would be interested in covering his glass shop front and shop stock whilst a small draughtsman business would require a price for covering the business office equipment. For this reason quotes for a business are often given by insurance companies for packaged policies that are property specific, such as shop insurance quotes or office insurance quotes.
When looking for cover search for companies that offer quotes for your particular type of building. Let property buildings only insurance quotes are available for landlords who just want to cover the buildings, fixtures and fittings. Equally commercial property tenants and lease-holders can obtain quotes that only cover the contents, stock or liabilities.
Liability quotes can be obtained with either combined property insurance packages or as a standalone quotation for individual business liabilities. The most popular liability products quoted for are public liability insurance, employers liability insurance, product liability insurance and professional indemnity insurance.
Commercial liability quotes are widely available online for most trades and professions. Packages often offer all risks cover and if you are looking online most systems allow you to pick and choose various liability coverage options
When comparing quotes online you will not have the assistance of a broker to advise you. It is vital therefore to ensure that you check that the levels of indemnity and covers offered are sufficient for your business, because levels of commercial insurance cover quoted for, can vary as often as the price.
Commercial Insurance quotes are available from UK Commercial Insurance who operate one of the UK's largest online commercial insurance comparison and online brokerages.
Article Source: http://EzineArticles.com/?expert=Dave_Healey

Article Source: http://EzineArticles.com/6947026