Non-profit groups in this day and age need to watch out for lawsuits, as it is an unfortunate reality. Having a good event insurance policy can protect your non-profits funds from such a lawsuit in the event of a mishap or professional slip and fall con artist. Yes they are out there and they will target your group if they think that they can make some money in a lawsuit. It is sad state of affairs even thinking of this, but you need to protect yourself and your group.

INSURANCE REQUIREMENTS

Usually a gas station has an umbrella insurance policy to cover just about anything even a special event, but not always. Sometimes they may have such a policy but be unsure of the exact coverage and therefore require you to get insurance for your event anyway. This gives them piece of mind knowing they are covered.

School districts have this type of insurance for all student activities already. You will usually see these types of events at the local high school through out the sunny seasons.

If you are at a commercial shopping center, you will most likely need general liability insurance for your event. ?Event Insurance? will probably run $50.00 to $75.00 but could be as high as $150.00 if additional insurance certificates are requested. Most shopping center property managers will want to re-assign the risk of liability. They will need a letter from the group, a diagram of the layout and washing area and insurance.

If you can provide these items, they will probably let you have your car wash fundraiser on their property. It?s good public relations for the center and their tenants. They may also be concerned with the soaps you are using on their lot because resurfacing is expensive.

What kind of insurance should you ask for? Ask for ?event insurance? for a car wash fundraiser. The insurance agent/broker will ask you basic questions such as:

The date of the event

Hours of the event

Location of the event

How much money you anticipate making the day of the event

Will you be moving the cars?

How many certificates of insurance will you need?

Do you need additional insured certificates?

Some of these questions will be easy to answer such as who, what, when, where and how. You may not have thought about moving vehicles. Your answer should be yes even if you don?t move any cars. If a person gets out of there car and leaves the key in the ignition and walks over to buy a soda or hot dog from your fundraiser, then theoretically you are in control of that vehicle. Legally speaking that vehicle is in your care, custody and control and this may require what is called a ?garage keeper?s liability endorsement?. How much money do you expect to earn the day of the event?

This may seem like your group?s business only, but some policies, even event policies, could be based upon gross sales. How many certificates do you need? You may not know this either. Obviously you need one for the property owner. After all, the only reason that you are talking to the insurance agent/broker is because they asked for one. You may want to think about this for a second.

As long as you are buying insurance, what about insurance for your group? You may as well get a certificate for them too. Do you belong to a national group? Maybe they are self-insured or already have insurance for such an event. This might save you some money provided that their limits of liability are in line with the requirements that the property owner has requested. Remember that the limits of liability required of your event are usually negotiable.

Gas station owners may settle for $100,000 single limit liability and $300,000 aggregate. If not, have your agent/broker do the work. They can reassure the property owners that the insurance carrier they will be going through is an A rated carrier and that they will be fully covered in the rare event of an accident. After doing one hundred plus car wash fundraisers without an accident, I?m confident recommending the $100,000/$30,000 limits. If the property owner will accept this, it?s a good coverage number. However, if they want a million dollars of liability insurance you may have to get that instead. Of course it will cost more.

What are the additionally insured certificates? This is a certificate of insurance, a proof of insurance indicating that the property owner is insured by the insurance carrier also. This might be important because if someone is passing by and slips on the water and wishes to collect on a slip and fall injury claim, their attorney would rather go after the rich property owners rather than your non-profit group that has very little money.

If your group had hundreds of thousands of dollars you probably wouldn?t be doing a car wash fundraiser in the first place. Since attorneys normally get thirty percent of the cash settlement in personal injury litigation cases, they try to go after the big money. If you are part of a national organization such as the Boy Scouts of America or the American Cancer Society then that part of your organization will also be a target, The attorney may not have a problem going after a non-profit. Because property owners and national organizations are frequent targets of slip and fall suits, it stands to reason that they might be a little paranoid.

If they are a little hesitant you must realize that it?s not your fault. There are just too many lawyers. Property managers are hired by property owners to manage the affairs of their real estate investments. They handle such jobs as fielding tenant complaints, collecting rent and lease monies, maintaining the property and the landscaping and shielding property owners from unnecessary liability. So when talking to property owners assure them that you won?t block traffic, won?t take any more than the necessary amount of parking spaces or cause them to have any complaints from the tenants. As a matter of fact, you will probably increase traffic and your fundraiser will help business for the center?s merchants. Let them know that you won?t trample the landscaping. They may want a one-page letter stating all of this. Think on the insurance aspects for your upcoming fundraiser events.

Lance Winslow

In the United States, there are a large number of Americans who are without dental insurance. Dental insurance is often the key to obtaining professional dental care. Without it, many are unable to afford a trip to the dentist. If you are currently without dental insurance, whether your employer does not offer it or if you are unemployed, you may want to consider obtaining your own dental insurance plan.

Before you can go out and purchase a dental insurance plan, there are a number of different factors that you should consider. Where you live is one of those factors. Where you live may have an impact on the dental insurance companies in which you are able to do business with. For instance, if you live in or around the San Francisco area, you will want to consider doing business with a San Francisco dental insurance company. A San Francisco dental insurance company is defined as a company that either operates out of the area or services it.

If you are currently unfamiliar with at least one San Francisco dental insurance company, you will need to start familiarizing yourself with all of your available options. To learn about dental insurance companies in the San Francisco area, you are advised to either pick up your local phone or use to internet to do the research. Whether you use your local phone book or the internet, you should easily be able to obtain the contact information of at least one San Francisco dental insurance company.

Once you have found a dental insurance company that you would like to do business with, you will then have to decide on a San Francisco dental insurance plan. You will find that most insurance companies have a number of different available plans for you to choose from. Sometimes there are so many San Francisco dental insurance plans to choose from that you may not know which one is right for you. Before officially choosing a San Francisco dental insurance plan, you are advised to research and examine each plan.

If, after examining each San Francisco dental insurance plan that is available, you are still unable to make a decision, you may want to consider seeking assistance from a dental insurance representative. Most dental insurance representatives would be more that willing to assist you with understanding which plan is the best one for your needs. However, before that assistance can be offered, you may need to provide your insurance representative with a little bit of background on yourself, your family, or your health.

Regardless of which San Francisco dental insurance plan you choose, you can still benefit from having one. All dental insurance plans, no matter how much or how little they cover, should be able to offer you assistance. Instead of having to suffer through another toothache or pay for your own dental work, you are encouraged to at least consider obtaining dental insurance. If you have never had dental insurance, you may be surprised with just how much money you can save.

Ashton Skylar is a writer for Free Insurance Quotes 4 You.com where you will discover great information on San Francisco Dental Insurance Plan and other related information.

Insurance is a form of contract whereby periodic payments (also known as insurance premiums) are made to an insurance company, in order to provide an individual or business compensation in the event of property loss or damage.

The main purpose of insurance is to protect yourself or your family against the financial impact of a tragedy. In general, it is contract in which one party agrees to pay for another party?s financial loss resulting from a specified event. Insurance mainly consist of three things – insurer, insured and policy. An entity seeking to transfer risk (an individual, corporation, or association of any type) becomes the ?insured? party once risk is assumed by an ?insurer?, the insuring party, by means of a contract, defined as an insurance ?policy?.

There are two main ways to buy insurance. The first one is directly through an agent and the second one is to do it yourself. The main advantage of buying insurance from other is that an honest and competent insurer will decide according to the situation and make suggestions. The advantage of going on your own is that less money is needed for it. While buying any type of insurance, a person will save money by paying annually or semi-annually. Sometimes buying several types of insurance from the same company will save money.

There are different types of insurance available in the market. Life insurance is a form of insurance that pays monetary proceeds upon the death of the insured covered in the policy. There are main two types of life insurance that are term insurance and permanent insurance.

The medical insurance policy is a non-life insurance policy, which covers the expenses incurred by an individual in case of an injury or hospitalization. Individuals have to pay a minimal premium for buying medical insurance. Its main types are indemnity plan, preferred provider organization and health maintenance organization.

Homeowner insurance policy covers property and contents. There are two kinds of Homeowners Insurance policies and these policies can be divided into two categories named-Peril Insurance and all-risk insurance.

Auto insurance is the insurance against loss due to theft or traffic accidents. It can be purchased for cars, trucks and other vehicles. Its primary use is to provide protection against losses incurred as a result of car. Its main types are general liability, no-fault insurance, uninsured auto coverage and medical payments.

Car insurance is the insurance against loss due to theft or traffic accidents. Its main types are fully comprehensive auto insurance, third party insurance, fire and theft insurance, third party insurance, specialized car insurance.

Term life insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Term life insurance comes in two basic varieties term life policies and cash value policies.

There are numerous insurance providers that designs and markets insurance services for individuals, families, groups and businesses worldwide. Now, there are also online insurance facilities that help a person to select insurance just by clicking. After fulfilling the basic requirements of the insurance company, person is eligible for it.

The author presents the website on cheap insurance. It covers meaning, types of insurance, ways to buy insurance and parties involved in insurance. You can visit his site for insurance guide

An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report. When you have an accident and make a claim on your insurance, the company will send out an adjuster to access the damages and come up with an amount of money that will be needed to complete the repairs. The auto insurance claim adjuster has to contact the garages to get an estimate of what the parts and labor will cost.

When you report a claim for an accident to your auto insurance, they will contact the appropriate adjuster. The auto insurance adjuster assigned to your case will contact you to get the details on where he/she can assess the vehicle. Then you will receive a report from the insurance company regarding the assessment the auto insurance claim adjuster submits. If the damages exceed the value of the vehicle, it will be ?written off?.

The amount you get on your auto insurance policy depends on the policy itself. If the auto insurance claim adjuster determines that the vehicle is written off, the insurance will pay you the book value of the vehicle. This could be more or less than what the car is worth. With some auto insurance policies, you can pay extra to have a clause included stating that if the vehicle is written off within the first two years, you get the full amount that you paid for the automobile.

There is a certain process that an auto insurance claim adjuster has to use to come up with the amount the insurance company will pay. You will usually get two quotes ? one that will see the car getting repaired at a top of the line garage and another if you take a cash settlement on the claim and get the work done yourself. The auto insurance adjuster knows that many people have friends who can do the work cheaper and often take the money.

Once you decide how you want to proceed, the insurance company will issue a check. If you are paying on the vehicle, the check will be made out jointly to you and the lender. Otherwise the check comes directly to you. The job of the auto insurance adjuster is only to access the damages, Any dispute you have regarding the report made by the auto insurance claim adjuster has to be done through the insurance company. Keep this in mind because the adjuster is only an ordinary person like yourself trying to make a living.

An auto insurance claim adjuster doesn?t have an easy job.

For a website totally devoted to Car Insurance visit Peter’s Website Car Insurance Answers and find out about Car Insurance Quotes as well as Cheap Auto Insurance and more, including UK Car Insurance and Car Insurance Rates.

Should you have travel insurance? An interesting question. But if you question the need for travel insurance, perhaps you are the same person who questions the need for any kind of insurance. Most people have auto insurance, health insurance, homeowners? insurance or renters? insurance, and maybe even life insurance or disability insurance ? so I ask you: Why not have travel insurance?

Insurance is for ?What if?s?

Insurance is protection for that unwanted and unexpected challenge. Your auto insurance protects you from shelling out $2,000 for that unexpected fender bender that wasn?t even your fault. Travel insurance does likewise. Have you ever had luggage ?misplaced? by an airline and been left with no clothes to wear on your trip? Have you ever had to cancel a trip that was fully paid due to some unforeseen incident that arose before you even had an opportunity to leave? Or have you had to cut short that cruise because of something that happened at home? Ever gotten sick on vacation?

These are all travel problems that can be covered by travel insurance. One company I reviewed will reimburse your trip cost for covered (always read the small print) cancellation, and 125% of the cost due to an interruption of the trip. They will also pay $500 for your accommodations if you missed your connecting flight and can?t get another until ?tomorrow morning, at the earliest.? Ever slept in an airport on behalf of your Atlanta-based flight crew, who were very happy to serve you, but couldn?t manage to get the airplane to your connecting airport by the time they said they would? A $500 hotel room might not get you to your destination, but it sure could be a sweet wait. Can you say ?honor bar??

Here?s another swell deal: your travel insurance could pay you $1,000 for lost luggage, or $200 for delayed luggage. That?s some pricey underwear and deodorant, but I?m not arguing.

Travel insurance can also be purchased to cover emergency medical treatment or ?medical evacuation and repatriation.? Or, if you prefer, you could just click your heels together three times and say, ?There?s no place like home. There?s no place like home. There?s no place??

Yeah, but how much is it going to cost me?

The cost of travel insurance is based on the number of people traveling and the value of the trip. Time away can also be a factor if you will be gone for more than a month. For example, a family of four taking a trip valued at about $3,000 could expect to pay in the neighborhood of $250 for all of the coverage mentioned above. Is it worth it? On the website of one travel company it stated, ?If you can?t afford travel insurance, you can?t afford to travel.?

Can I ask my uncle?

Sure. Uncle Sam says medical evacuation from a foreign country can cost $10,000 and up. And in his inimitable way, he warns that Social Security Medicare does not provide coverage for hospital or medical coverage outside of the US. If you have a private insurer, you might want to check on what out-of-country coverage you have if your trip will take you outside of the good ol? USA.

OK, OK, you?ve convinced me. Any last bits of advice before I leave for Katmandu?

I am so glad you asked. Here?s a little extra for you – at no additional charge:

1.Take all your travel insurance documentation with you ? DON?T put it in your luggage!

2.Put all of your policy numbers on a separate piece of paper in a separate location from the actual policies in case of loss or damage to your policies.

3.Leave a copy of your policy(s) at home with next of kin, or whomever knows your whereabouts.

4.To expedite service in case of an accident, fill in all of your vital statistics on the information page of your passport (name, address, phone number, etc.), or carry it on a card that you keep in your wallet or stuffed into the sleeve of that tag that says Hello My Name Is.

In a coconut shell?

Travel insurance can help you with:

?Reimbursement of your travel investment due to cancellation or early termination

?Reimbursement of unexpected travel expenses (delays, loss of luggage)

?Covering emergency medical assistance and medical referrals

?Obtaining medical assistance abroad

Bon Voyage!

? 2005 Travel Insurance Directory

About the Author

Tina Irasthmus has developed the website Travel Insurance Directory, which answers the most common questions drivers have about travel insurance. Please visit us at http://www.travelinsurancedirectory.net today.

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If you?re looking for cheap life insurance, you should begin looking while you?re relatively young and in good health. Age and health are the two biggest factors life insurance agents use to base their decisions about policy pricing.

Unfortunately, most people don?t get life insurance until they?re older or until they?ve developed a medical condition. Only then do they realize it?s time to start thinking about protecting their families. But that?s also when it?s practically impossible to find cheap life insurance.

Will your insurance company agree?

Think your high cholesterol isn?t much of a problem? Well your insurance company doesn?t share that opinion. In fact, if a medical examination reveals this condition, you?ll more than likely be put into a higher risk category. Once that happens, you can forget about being offered cheap life insurance, regardless of any other factor.

What about your high blood pressure? You think all you?ve got to do is take a vacation and it?ll be back to normal, but the life insurance company sees the situation differently. It sees high blood pressure as a precursor to more significant health problems; maybe not next month or even next year but very likely during your coverage period.

The same goes for your weight. What you consider ?a few love handles around the middle? may be considered ?obese? by the insurance company.

Smoking is another red flag when it comes to shopping for cheap health insurance. If you regularly use tobacco products, forget about getting a break on your life insurance premium. In fact, expect it to cost anywhere from 25 to 50% more. Smoking definitely comes at a price because it can cause so many health problems. Besides making you pay more, insurance companies don?t really have any other options.

Show you are willing to make an effort

Insurance companies understand that medical conditions such as high cholesterol, high blood pressure, using tobacco products, and being overweight can be controlled and that doing so can lead to a significant improvement in your health.

So there actually is some truth in believing a vacation could help lower your blood pressure. And although you may not have been quoted what you consider a cheap life insurance premium, you?re not completely out of luck.

Insurance companies have softened a bit. Rather than permanently locking you into a high risk category for conditions such as those listed above, the company may be willing to improve your rates if you prove you?re willing to improve your health. Most agents won?t come right out and offer this, but if you ask for suggestions on ways to lower your costs, make sure you listen to the answers.

If you can show you?re working towards consistently improving your health, your insurance company may be able to offer cheaper life insurance premiums. You?ll be required to show documentation of the improvements, and possibly undergo an independent medical review by the life insurance company, but it will be worth the effort.

About the Author

Find Cheap Life Insurance in the UK. Independent brokers finding the lowest rates and then making them even lower.

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