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My Guide to Liability Insurance

Jun 22, 2008
However, you can save money by outsourcing because you won't be paying for employer payroll tax expense (FICA, FUTA and SUTA) workman's compensation and general liability insurances, vacation time, sick time, health insurance and other benefits a good full time bookkeeper will expect from his/her employer. Review every aspect of your professional status: Review your CE requirements, renew your license(s), pay dues to your professional organizations, and be sure your liability insurance coverage is adequate and current. Before You Start a cleaning business, obtain your local & state business licenses; bonding insurance, and liability insurance if needed.

And of course you will not be paying workman's compensation and general liability insurance premiums, product liability insurance, for example. My client owns a car with liability insurance limits of $300,000, but she purchased the insurance from GEICO whose salesperson didn't sell her underinsured coverage.

65% employer's share of FICA and medicaid, or SUTA or FUTA expense, or workman's compensation and general liability insurance premiums. The lessor has to provide fire and other necessary insurance cover for the building and both parties are required to have a general liability insurance cover. You will however need to purchase your employer liability insurance through a separate commercial insurer.

It is all too common for individual property owners to be sued for seemingly frivolous reasons, so it is vital for all property owners to carry a sufficient amount of liability insurance to protect themselves and their personal assets. Minnesota recognizes an indemnity bond, liability insurance policy or letter of credit from a financial institution. Michigan is a mix of no-fault and standard liability insurance.

But even so general aviation was not breaking any speed records prior to that due to high fuel costs, nothing like today, but high never the less and liability insurance costs due to outrageous litigation costs and kangaroo court awards.

Online Insurance
Finding cheap California automobile insurance online can be significantly easier than completing the process in person, because rates can vary wildly between different companies in California. Buy your car insurance online as you may find you can get a discount for buying online. There are several online insurance portals that offer to give you an annuity quote instantly.

Car pooling once in a week is another thing advisable to qualify for your mileage discounts on car online insurance. Dealing with the online insurance broker was a simple task, but I soon discovered that they were an extra step in the application process, one that only slowed down our approval. Clearly state out your details: By providing proper information about your marital status, miles covered annually, car's safety features you will reduce the probability of insurance company defaulting on your auto online insurance quotes and charging high rates.

Also purchasing travel insurance online works out cheaper than through an agent, as you don't have to pay agents, but you need to be fully aware of your requirements. Selling life insurance online is not the same as selling in an office. There are actually two ways that you can apply for Florida health insurance online.

This is where a boat insurance online quote can really make a big difference. Check out all the brokers and online insurance companies for the best quote. Keep your mileage low: Lesser your annual mileage is, lesser you pay on your auto online insurance.

When I bought my first plane ticket to China a few years ago it cost around $2000 round-trip, and my travel insurance cost me over $500 because I didn't shop around for cheap travel insurance online. Some of the online insurance websites are quite good; they provide plenty of information for free.
About the Author
Uchenna Ani-Okoye is an internet marketing advisor and co founder of Free Affiliate Programs

For more information and resource links on insurance visit: Farmers Insurance Company
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