Insurance
- Paying for Health Insurance
- Travelers Updates Aviation Policy
- Flood Damage Repair Lawsuits
- Paying for Restaurant Insurance
- Fantasy Bass Fishing League
- Hotel Money Making Tips
- Certified Pre-Owned Cars
- More Ideas for Road Trips
- Best Road Trips to Take this Year
- Workplace Wellness Needed Now
Posted by
Lisa Nichols
Lisa Nichols
Learn more about the high costs of paying for health insurance and buying healthcare coverage on the insurance blog. Get ideas you can use to pay for insurance online.
In a new poll, many Americans claim that they or someone in their household got married in order to get healthcare coverage. The poll, released by the Kaiser Family Foundation, found that 7% of people surveyed said they or someone in their home decided to tie the knot to get health insurance.
Paying for Health Insurance a Struggle for Many
Paying for health insurance is a major struggle for many individuals and families right now. So the idea of getting married to save money on healthcare is really not so farfetched. According to Business Week, health insurance premiums have gone through the roof in the last eight years (Mozes, Alan. “Health Insurance Premiums Skyrocket” Business Week, April 2008.) Business Week reports that paying for health insurance through an employer-sponsored healthcare plan jumped by 30% from 2001-2005, while salaries increased by only 3%.
Buying Healthcare Coverage a Challenge
Going back to the Kaiser Family Foundation poll, the results found that buying healthcare coverage is becoming an even bigger concern in America. Of people surveyed, three in 10 said that they or their families struggle to pay for health insurance. 37% surveyed said that they report having some sort of financial trouble related to paying for medical bills, including medical bills going to collections, trouble with paying other bills and bankruptcy.
Paying for Health Insurance a Struggle for Many
Paying for health insurance is a major struggle for many individuals and families right now. So the idea of getting married to save money on healthcare is really not so farfetched. According to Business Week, health insurance premiums have gone through the roof in the last eight years (Mozes, Alan. “Health Insurance Premiums Skyrocket” Business Week, April 2008.) Business Week reports that paying for health insurance through an employer-sponsored healthcare plan jumped by 30% from 2001-2005, while salaries increased by only 3%.
Buying Healthcare Coverage a Challenge
Going back to the Kaiser Family Foundation poll, the results found that buying healthcare coverage is becoming an even bigger concern in America. Of people surveyed, three in 10 said that they or their families struggle to pay for health insurance. 37% surveyed said that they report having some sort of financial trouble related to paying for medical bills, including medical bills going to collections, trouble with paying other bills and bankruptcy.
Travelers Updates Aviation Policy
Posted by
Lisa Nichols
Lisa Nichols
Learn more about Travelers changes to the aviation insurance policy on the insurance blog. Find out how the company can take on much bigger customers with the changes.
Travelers insurance company is increasing the amount of hull insurance it provides to commercial airplane companies to $50 million, according to reports. Travelers used to cap aviation insurance at $20 million for physical damage to airplane hulls. The insurance company is doing an all-around expansion of its aviation business, so updates were definitely in order.
Larger Airplanes Eligible for Coverage under New Aviation Insurance Policy
According to the company website, the changes to the aviation insurance policy will allow Travelers to insure larger airplanes, including aircraft that offers international service. Planes eligible for coverage under the new policy include the Bombardier Global Express, the Falcon 7X and the Gulfstream 450/500/550. In addition to the increase in hull coverage, Travelers also offers up to $300 million in aircraft liability insurance.
Travelers Expands Additional Airplane Insurance Coverages
Travelers insurance company has been expanding airplane insurance coverages for some time now. The company started offering worker’s compensation insurance for airlines in March of 2008. The worker’s compensation insurance policy covers pilots, ground crew and various members of airline administration. In December of 2007, Travelers introduced a flexible airplane insurance policy for airline fleets, providing coverage for pleasure and business use. And in May of 2007, Travelers also rolled out an insurance policy designed to meet the needs of its corporate airplane customers.
Larger Airplanes Eligible for Coverage under New Aviation Insurance Policy
According to the company website, the changes to the aviation insurance policy will allow Travelers to insure larger airplanes, including aircraft that offers international service. Planes eligible for coverage under the new policy include the Bombardier Global Express, the Falcon 7X and the Gulfstream 450/500/550. In addition to the increase in hull coverage, Travelers also offers up to $300 million in aircraft liability insurance.
Travelers Expands Additional Airplane Insurance Coverages
Travelers insurance company has been expanding airplane insurance coverages for some time now. The company started offering worker’s compensation insurance for airlines in March of 2008. The worker’s compensation insurance policy covers pilots, ground crew and various members of airline administration. In December of 2007, Travelers introduced a flexible airplane insurance policy for airline fleets, providing coverage for pleasure and business use. And in May of 2007, Travelers also rolled out an insurance policy designed to meet the needs of its corporate airplane customers.
Posted by
Lisa Nichols
Lisa Nichols
Learn about Katrina flood damage repair lawsuits in the news on the insurance blog. Find out how to prepare for natural disasters with emergency kits and safety tips.
This week, the Louisiana Supreme Court ruled against a homeowner impacted by Katrina and in favor of a homeowners insurance company that writes in Louisiana. Joseph Scher, who had won his case in two lower courts, finally lost his battle against Lafayette Insurance Company. Scher had claimed that the homeowners’ insurance company was responsible for flood damage repairs to his New Orleans home.
Flood Damage Repairs Not Covered by Homeowners Insurance Policy
Scher didn’t have flood insurance to pay for damages and repairs to his home. Flood insurance doesn’t come with the homeowner’s insurance policy and has to be purchased separately. But the homeowner claimed that the flood damages in need of repair were caused by construction workers working on the New Orleans levee and not by Katrina. Scher claimed that since the flood wasn't caused by a natural disaster, the insurance company should pay. The court disagreed, stating that the definition of flood doesn’t change depending upon the cause and that the insurance company wasn’t responsible for the loss. Ouch.
Prepare for Natural Disasters with Emergency Kits and Safety Plans
Prepare for natural disasters this year by creating an emergency kit. And get safety plans for tornados and hurricanes to keep your home safe this year:
Flood Damage Repairs Not Covered by Homeowners Insurance Policy
Scher didn’t have flood insurance to pay for damages and repairs to his home. Flood insurance doesn’t come with the homeowner’s insurance policy and has to be purchased separately. But the homeowner claimed that the flood damages in need of repair were caused by construction workers working on the New Orleans levee and not by Katrina. Scher claimed that since the flood wasn't caused by a natural disaster, the insurance company should pay. The court disagreed, stating that the definition of flood doesn’t change depending upon the cause and that the insurance company wasn’t responsible for the loss. Ouch.
Prepare for Natural Disasters with Emergency Kits and Safety Plans
Prepare for natural disasters this year by creating an emergency kit. And get safety plans for tornados and hurricanes to keep your home safe this year:
- Tornado safety tips help keep your family safe during twister season.
- Hurricane safety tips help protect your home and your personal belongings.
Paying for Restaurant Insurance
Posted by
Lisa Nichols
Lisa Nichols
Learn more about San Francisco restaurants that charge diners surcharges to pay for employees' healthcare on the insurance blog. Get updates on universal healthcare now.
San Francisco, California restaurants are charging customers for something new: a surcharge that helps the restaurants pay for employees’ healthcare. According to the Contra Costa Times, one California restaurant menu reads "A 3.5 percent service charge will be added to all checks for the San Francisco affordable healthcare legislation."
San Francisco Universal Healthcare Provisions Hit Small Businesses Hard
The surcharges started being added to the menu after a new law went into effect in January that requires all businesses with more than 20 employees to spend a minimum amount on health insurance. It’s the first time that such a large city has started a universal healthcare plan, and it has made some business owners irate. Restaurants especially have small margins for profit, so the extra expense has proved costly since it started in January.
San Francisco Restaurants Try to Pay for Universal Healthcare
Other restaurants charge similar surcharges to patrons or charge diners a flat fee in addition to their meals. Some citizens worry that the increased prices will put a dent in tourism. The Contra Costa article claims other restaurants with fewer employees are refusing to expand, to avoid paying for healthcare. The rest of California- and the U.S.- continue to watch San Francisco’s progress providing universal healthcare to all citizens. Meanwhile, the city restaurants’ trade group has filed suit to stop the program.
Learn more about insurance for restaurants.
San Francisco Universal Healthcare Provisions Hit Small Businesses Hard
The surcharges started being added to the menu after a new law went into effect in January that requires all businesses with more than 20 employees to spend a minimum amount on health insurance. It’s the first time that such a large city has started a universal healthcare plan, and it has made some business owners irate. Restaurants especially have small margins for profit, so the extra expense has proved costly since it started in January.
San Francisco Restaurants Try to Pay for Universal Healthcare
Other restaurants charge similar surcharges to patrons or charge diners a flat fee in addition to their meals. Some citizens worry that the increased prices will put a dent in tourism. The Contra Costa article claims other restaurants with fewer employees are refusing to expand, to avoid paying for healthcare. The rest of California- and the U.S.- continue to watch San Francisco’s progress providing universal healthcare to all citizens. Meanwhile, the city restaurants’ trade group has filed suit to stop the program.
Learn more about insurance for restaurants.
Posted by
Lisa Nichols
Lisa Nichols
Learn more about the fantasy bass fishing league on the insurance blog. Find out how to sign up for the fun, competitive fantasy league for bass fishing enthusiasts now.
Yup, you read the headline correctly: not only is it bass fishing season, it’s also time to sign up for a very competitive, very fun fantasy league- that follows bass fishing.
Fantasy Bass Fishing League Basics
The fantasy bass fishing league, sponsored by Bassmaster.com, offers bass fishing fans a way to check their knowledge of bass fishing pros and the places where they fish against other bass fishing enthusiasts. Prizes include, you guessed it, a fishing trip for two to Mexico’s Lake El Salto. By joining the fantasy bass fishing league, you’ll receive insider tips and scouting reports from expert anglers.
Fantasy Bass Fishing League Eligibility and Fees
To be eligible to win, you have to register on the website before August 10, 2008. If I understand the rules correctly, you can register for the fantasy bass fishing league for free, but have to pay Bass Insider membership fees to be eligible to win the trip to Mexico. A one-year membership costs $59.95 and includes a 30 day free trial.
Get information about bass boat insurance to keep your boat and your gear protected in and out of water this season. And, learn more about the fantasy bass fishing league online. The website explains that choosing people for your league is “part art, part science.”
And let us know how you do.
Fantasy Bass Fishing League Basics
The fantasy bass fishing league, sponsored by Bassmaster.com, offers bass fishing fans a way to check their knowledge of bass fishing pros and the places where they fish against other bass fishing enthusiasts. Prizes include, you guessed it, a fishing trip for two to Mexico’s Lake El Salto. By joining the fantasy bass fishing league, you’ll receive insider tips and scouting reports from expert anglers.
Fantasy Bass Fishing League Eligibility and Fees
To be eligible to win, you have to register on the website before August 10, 2008. If I understand the rules correctly, you can register for the fantasy bass fishing league for free, but have to pay Bass Insider membership fees to be eligible to win the trip to Mexico. A one-year membership costs $59.95 and includes a 30 day free trial.
Get information about bass boat insurance to keep your boat and your gear protected in and out of water this season. And, learn more about the fantasy bass fishing league online. The website explains that choosing people for your league is “part art, part science.”
And let us know how you do.
Posted by
Lisa Nichols
Lisa Nichols
Get tips for your hotel to make money and save money on the insurance blog. Tips include reviewing insurance, finding new ways to make money and reviewing property taxes.
There are a number of tips you can use to make money and save money when you own or manage a hotel. Reviewing your insurance coverage, raising rates, finding new ways to make money and assessing your property taxes can all save your hotel, motel, spa or resort money in the long run.
Review Insurance for Hotels and Motels to Save Money
A new article, Insurance for Hotels and Motels, walks you through some of the must-haves for insurance when you manage or own a hotel. Insurance for hotels, motels, resorts, ranches and spas is easy to understand and navigate with some helpful tips. The article includes information about hotel insurance discounts and coverages to help you find the right policy for your resort, at the best price.
Hotel Management Money Making and Money Saving Tips
HotelInteractive.com has several tips that hotel managers and owners can use to save money or make more money from their business. Tips include increasing rates during the peak season- even by small amounts- to help off-set costs and reduce motel debts. Another tip hotel and resort managers can use to save money includes reviewing property taxes to ensure the business is assessed properly.
Find New Ways for Your Hotel to Make Money
Generating new ways to make money can also add to your hotel’s bottom line. My folks travel often and they find the best deal on parking at an airport hotel. Offering guests an opportunity to park in your motel’s secure parking lot and take advantage of the shuttle to the airport for a small fee is a way to make money that can quickly add to your hotel’s profits.
Review Insurance for Hotels and Motels to Save Money
A new article, Insurance for Hotels and Motels, walks you through some of the must-haves for insurance when you manage or own a hotel. Insurance for hotels, motels, resorts, ranches and spas is easy to understand and navigate with some helpful tips. The article includes information about hotel insurance discounts and coverages to help you find the right policy for your resort, at the best price.
Hotel Management Money Making and Money Saving Tips
HotelInteractive.com has several tips that hotel managers and owners can use to save money or make more money from their business. Tips include increasing rates during the peak season- even by small amounts- to help off-set costs and reduce motel debts. Another tip hotel and resort managers can use to save money includes reviewing property taxes to ensure the business is assessed properly.
Find New Ways for Your Hotel to Make Money
Generating new ways to make money can also add to your hotel’s bottom line. My folks travel often and they find the best deal on parking at an airport hotel. Offering guests an opportunity to park in your motel’s secure parking lot and take advantage of the shuttle to the airport for a small fee is a way to make money that can quickly add to your hotel’s profits.
Posted by
Lisa Nichols
Lisa Nichols
Learn more about certified pre-owned cars and buying used cars on the insurance blog. Find out more about the benefits of buying certified pre-owned used cars online now.
Surprise, surprise, the Honda Accord has been named the best certified pre-owned car by Forbes. Pre-owned cars are used cars that have been examined by the manufacturer and been deemed worthy of a new warranty. In other words, they aren’t lemons: they’re the cream of the crop, and they will cost you more than the average used car.
Buying Used Cars vs. Buying Certified Pre-Owned Cars
Buying used cars instead of new has long been considered the best choice for many. It’s a great way to save money and to get more car for the money you have available to spend. A certified pre-owned vehicle lets car dealerships and manufacturers get in on the used car market. In the past, buying a used car at a dealership didn’t seem like much of a deal; they seemed a lot more expensive than cars for sale by individuals. Adding a “pre-owned certification” gives buyers who are nervous about buying a used car some assurances that the car is still considered valuable by the manufacturer.
Before You Buy a Used Car
Before buying a used car, it’s a good idea to get a vehicle history report. And, you can check on prices for auto insurance for any vehicle make and model with your insurance agent before you buy. Your insurance agent can also help you save money with new auto insurance discounts.
Buying Used Cars vs. Buying Certified Pre-Owned Cars
Buying used cars instead of new has long been considered the best choice for many. It’s a great way to save money and to get more car for the money you have available to spend. A certified pre-owned vehicle lets car dealerships and manufacturers get in on the used car market. In the past, buying a used car at a dealership didn’t seem like much of a deal; they seemed a lot more expensive than cars for sale by individuals. Adding a “pre-owned certification” gives buyers who are nervous about buying a used car some assurances that the car is still considered valuable by the manufacturer.
Before You Buy a Used Car
Before buying a used car, it’s a good idea to get a vehicle history report. And, you can check on prices for auto insurance for any vehicle make and model with your insurance agent before you buy. Your insurance agent can also help you save money with new auto insurance discounts.
Posted by
Lisa Nichols
Lisa Nichols
Get ideas for fun road trips to take with family on the insurance blog. Find tips about fun weekend trips to take that include camping, hunting and baseball online now.
I love taking weekend road trips. In fact, I always do all of the driving. Some weekend road trips I want to take in the near future offer fun for the whole family.
Weekend Road Trips to Take with Family
Go Camping in the mountains in North Carolina. There's an exit sign in the middle of nowhere way up high that advertises camping. I'd like to see what it looks like.
Try Pheasant hunting in South Dakota. My friend's dad takes this road trip every year. I don't want to kill any pheasants. I just want to see the route and maybe see a couple of the birds. If the timing was right I would hit Sturgis too. I have been to the area many times but never during the biker rally.
One of my other brothers is working on visiting all of the ballparks. I like that idea, too. Taking road trips to watch the many talented farm teams in towns like Omaha would also be great family fun.
Visit Darwin, Minnesota to see the world's largest ball of twine. Silly, but I got this in my head a while ago and now I want to go. Just to say I did.
Compare Auto Insurance before You Take Family Weekend Road Trips
Before you travel, compare auto insurance to make sure you have the coverages you need at competitive rates. Learn more about auto insurance, classic car insurance and RV insurance before you travel. Then, go online and compare rates to see if you can save some money with a new policy- the resulting savings just might pay for at least one of your family’s road trips this year.
Weekend Road Trips to Take with Family
Go Camping in the mountains in North Carolina. There's an exit sign in the middle of nowhere way up high that advertises camping. I'd like to see what it looks like.
Try Pheasant hunting in South Dakota. My friend's dad takes this road trip every year. I don't want to kill any pheasants. I just want to see the route and maybe see a couple of the birds. If the timing was right I would hit Sturgis too. I have been to the area many times but never during the biker rally.
One of my other brothers is working on visiting all of the ballparks. I like that idea, too. Taking road trips to watch the many talented farm teams in towns like Omaha would also be great family fun.
Visit Darwin, Minnesota to see the world's largest ball of twine. Silly, but I got this in my head a while ago and now I want to go. Just to say I did.
Compare Auto Insurance before You Take Family Weekend Road Trips
Before you travel, compare auto insurance to make sure you have the coverages you need at competitive rates. Learn more about auto insurance, classic car insurance and RV insurance before you travel. Then, go online and compare rates to see if you can save some money with a new policy- the resulting savings just might pay for at least one of your family’s road trips this year.
Best Road Trips to Take this Year
Posted by
Lisa Nichols
Lisa Nichols
Learn more about the best road trips to take with your family this year on the insurance blog. Find the best time to visit Salem, Massachusetts and more online now.
Some of the best road trips to take offer spooky fun and wild midnight tours. Some ideas to consider for your family’s road trip this year:
The Best Road Trips Offer Your Family a Spooky Good Time
Visit Salem, Massachusetts on Halloween. My brother did this road trip one year and it sounds amazing. Wind your way through the town's stocks and gallows and then do the "Witch’s tour," where you’ll see crazy things like a door gouged with nail scratches. From a "witch" that was trapped beneath the door. Psychics and Tarot card readers and the rest of those folk also arrive en masse in Salem, Massachusetts on Halloween.
Take a driving trip down south to visit beautiful Savannah, Georgia. I was less than an hour away from here recently and on many other occasions, but I never seem to make it off of Hilton Head Island to go to Georgia. My friends visited Savannah, Georgia on their honeymoon and did the Midnight in the Garden of Good and Evil tour that actually starts, appropriately enough, at midnight. It goes through the Mercer house from the book and into the old Bonaventure cemetery, too.
Update and Compare Car Insurance before You Take Road Trips
Before you go on a road trip, you need to make sure that your car insurance is in order. Whether you’ll be kings of the road in an RV, plan to take an economical approach with a compact car or you want to toodle around in an antique auto, you need to make sure that you’re protected on your road trip. Learn more about updating and comparing RV insurance, auto insurance coverages or your classic car insurance before you take your driving trip this year.
The Best Road Trips Offer Your Family a Spooky Good Time
Visit Salem, Massachusetts on Halloween. My brother did this road trip one year and it sounds amazing. Wind your way through the town's stocks and gallows and then do the "Witch’s tour," where you’ll see crazy things like a door gouged with nail scratches. From a "witch" that was trapped beneath the door. Psychics and Tarot card readers and the rest of those folk also arrive en masse in Salem, Massachusetts on Halloween.
Take a driving trip down south to visit beautiful Savannah, Georgia. I was less than an hour away from here recently and on many other occasions, but I never seem to make it off of Hilton Head Island to go to Georgia. My friends visited Savannah, Georgia on their honeymoon and did the Midnight in the Garden of Good and Evil tour that actually starts, appropriately enough, at midnight. It goes through the Mercer house from the book and into the old Bonaventure cemetery, too.
Update and Compare Car Insurance before You Take Road Trips
Before you go on a road trip, you need to make sure that your car insurance is in order. Whether you’ll be kings of the road in an RV, plan to take an economical approach with a compact car or you want to toodle around in an antique auto, you need to make sure that you’re protected on your road trip. Learn more about updating and comparing RV insurance, auto insurance coverages or your classic car insurance before you take your driving trip this year.
Posted by
Lisa Nichols
Lisa Nichols
Workplace wellness programs can help cut companies cut costs. Find our more about the many benefits of starting a health management program on the insurance blog now.
Workplace wellness can help reduce employee obesity problems. Companies that implement health management programs get their money back and then some. According to the Wellness Councils of America, companies can get a return of $24 on every dollar spent on a workplace wellness program. And a new study about American employees’ obesity problems indicates the timing couldn’t be better to begin a health management program at your company.
New Study Points to Workplace Wellness Benefits
Companies can benefit from a workplace wellness program. According to a new report, 65% of American employees are overweight or obese. Kronos Optimal Health Company analyzed the results of almost 10,000 American employee health screenings and found that 65% of women and 77% of men who are 40 or older are obese or overweight.
Encourage employees to spend their lunch hours and breaks getting fit as part of your workplace wellness program. Offering low-fat vending machine snacks and cafeteria meals and providing health management programs to help employees get healthy can benefit companies in a number of ways. In addition to saving money on healthcare costs when employees are in good physical shape, a workplace wellness program may also result in reduced absenteeism- to the tune of 30% annually, according to a 2005 survey by The Art of Health Promotion.
Get tips for starting a low cost or free workplace wellness program at your company now.
New Study Points to Workplace Wellness Benefits
Companies can benefit from a workplace wellness program. According to a new report, 65% of American employees are overweight or obese. Kronos Optimal Health Company analyzed the results of almost 10,000 American employee health screenings and found that 65% of women and 77% of men who are 40 or older are obese or overweight.
Encourage employees to spend their lunch hours and breaks getting fit as part of your workplace wellness program. Offering low-fat vending machine snacks and cafeteria meals and providing health management programs to help employees get healthy can benefit companies in a number of ways. In addition to saving money on healthcare costs when employees are in good physical shape, a workplace wellness program may also result in reduced absenteeism- to the tune of 30% annually, according to a 2005 survey by The Art of Health Promotion.
Get tips for starting a low cost or free workplace wellness program at your company now.
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