Aug
18
Funny state farm insurance commercial
By
Any type of insurance is a form of risk management; it guarantees a small loss (a premium) to prevent a possibly large loss. Business insurance is protecting your business and insuring it against the risk of loss. There are many different types of business insurance available and so it is important to have the right one in place to make certain you are fully covered and to make sure you don’t have cover for items you do not need.
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By law all businesses need certain types of insurance for example if the general public come to your business premises you’ll need Public Liability Insurance, and if you hire staff you need Employer’s Liability Insurance.
What are the different types of business insurance?
There are many different types of business insurance, here are a few and a description of each:
Retailers Insurance – this insurance policy covers everything that the majority of shops will need. The main items retailer’s insurance covers are Trade Contents in case of loss due to fire, flood, Money, Personal Assault, Glass and Sanitary Fittings, Employers Liability, Public Liability, Product Liability, and Business Interruption.
Tradesman’s Insurance – this business insurance is specifically designed for sole traders, limited companies and partnerships in manual occupations for example plumbers, builders, electricians, gardeners and hairdressers. Within this type of industry the insurance may include cover for Temporary Employees as this is quite common with builders for example as you employ staff for the job at hand and it is not always permanent, and cover for Equipment and Tools, and Contract Work.
Professionals Insurance – is for business owners who work as consultants, architects, bookkeepers or tutors. Every business insurance policy can be tailored to your needs and so it is essential to give as many details as you possibly can to your insurance company or broker so you can be sure you are fully covered for every aspect of your business.
Property Owners Insurance – this business insurance is the buildings insurance for residential and / or commercial premises and may include cover for Business Interruption, Employers Liability and Property Owners Liability for example.
Whatever your business you will need some kind of insurance to protect yourself in the event of accidents and incidents, contact an insurance company and they will be able to lead you in the right direction for the right insurance for your business.
Watch the video related to hairdressers insurance
The hairdresser from hell!!!
Help answer the question about hairdressers insurance
Thyroid cancer, How can a person in California?get financial assistance? My daughters friend is facing this problem now. She's a twenty year old hairdresser with no insurance.
Any info would be very much appreciated. Thanks Y/A community.
Kris, You are awesome. thanks
16 Comments
June 30th, 2009 at 1:06 am
Oh mercy that’s a funny commercial
June 30th, 2009 at 1:06 am
whos the guy hairdressor?
June 30th, 2009 at 1:06 am
A typing error, it’s suppose to be on!
June 30th, 2009 at 1:06 am
That red headed woman who says “I’m om the phone!” Seems to be a real bitch!
June 30th, 2009 at 1:06 am
I love the “Quick question about my hair, “I’m On the phone!” part.
June 30th, 2009 at 1:06 am
Very Funny Commercial!
June 30th, 2009 at 1:06 am
hillarios
June 30th, 2009 at 1:06 am
June 30th, 2009 at 1:06 am
June 30th, 2009 at 1:06 am
Anything with the state pays good and offers good benefits.. He might want to get a job at a factory too (not quite as good pay or benefits, but desperate times call for desperate measures)… I am really sorry to hear that u had childhood cancer. Your man needs to get his butt in gear and take care of you!!!
June 30th, 2009 at 1:06 am
More than likely. As long as you are generally healthy and have no terminal illnesses you will be able to get the life and disability policies. Contact a local independent agent for more help.
With the unemployment insurance it doesn't matter your health conditions. Contact your state employment office for more information.
June 30th, 2009 at 1:06 am
Depending upon income Medicaid is the only solution unless she can go on a payment plan….The hospital may negotiate IF its medically necessary….Another alternative is that she may be able to convince her employer to get a group health insurance plan. SOME companies actually will cover 1099 employees….Have her talk to an insurance agent to see if that is a possibility….
Good luck to her….
June 30th, 2009 at 1:06 am
These situations are always fun after a storm but they are something that can be resolved.
Let me tackle a an issues before I get to the value stuff. These storm claims are called CAT (short for catastrophe). When they occur companies will bring in adjusters from other areas so they can get cars and house inspected quickly. The guy who appraised the car doesn't need to have a license because Missouri does not require adjusters to be licensed.They should but they don't. And to be honest with you he doesn't really need to know the laws either. He just needs to be an expert at appraising car damages and evaluating total loss damages. His inspection report should have been given to a Missouri adjuster to settle the claim with your mom since they would know the laws that would apply to the claim. If that didn't happen then your company shouldre-think their processes.
First off, everybody thinks their car is worth more than it is. Everybody, even adjusters. Here is what I suggest.
1. The biggest hurdle you have is proving your car is worth more. just thinking or feeling it is worth more doesn't cut it and it certainly wouldn't work in arbitration or court.
2. Your mom, not you, has the right to see whatever documentation the company used to put a value on the car. Most companies use CCC reports which are computerized reports based on actual cars sold, not just a book price. The report should show real cars sold and their "selling price" NOT the "asking price." If she doesn't have a copy have her get one ASAP and read it over. She will learn a lot from it. Make sure it shows the correct mileage and options.
3. You said you did tons of research. That is the key to getting more money. Find other cars for sale and compare them to the figures the company came up with. Remember that what you will see is the asking price so that will be higher than what the cars you find will actually sell for. This will give you an idea if the value from the insurance company is legit or not.
4. If she comes up with good documentation then your mom should call the insurance company and ask to talk to a manager. She needs to be polite and professional. No yelling etc that will get her nowhere. She should not tell the manager that she has been with the company for years and never made a claim. That means nothing at all. Sorry, but that is the truth.
Good Luck
–EDIT–
If she has good documentation then she should check her policy to see if it has an "appraisal clause" in it. If it does, she can request that process in writing to help resolve this claim. It's a pain in the butt process and she will have to hire an auto appraisal expert to help her, so there is cost involved on her part.
June 30th, 2009 at 1:06 am
Congrats on your desire to move out. Having a roommate definitely cuts the expenses in half.
Costs of everything is higher than expected. If the rent is $700 a month a security deposit of the same amount is needed at signing a lease…sometimes "first and last months rent" is expected as well. That would be $2100 divided by two people.
Then are are all the utilities and the start-up fees for water, electric, gas, sewage although many apartments already provide for "Free" water. Telephone and cable can be costly, though, running $100 a month.
Food can be high as well…figure at least $300 per person and that includes restaurants and snacks.
Don't forget your cell phone.
So…budget for $1500 a month for everything, to include you gasoline and insurance.
As for furniture, most parents dance with delight when Baby moves out and are always more than glad (sometimes too glad) to get rid of their older furniture. You may get your bed, couch, pots and pans from your parents. Checking out garage sales also helps.
The most important part though is sustaining a job BEFORE you move out. Your independence is wonderful but it will cost you.
June 30th, 2009 at 1:06 am
June 30th, 2009 at 1:06 am
yes you can