Shipping Insurance Info and 3rd Party Shipping Insurance

Shipping insurance is a way that online retailers and their buyers can protect themselves against the ongoing problems of poor package handling, late deliveries, and package theft.

Available in many different forms, delivery protection insurance is an added cost to each shipment, but one that tends to save money in the long run.

How Claimant Is Reimbursed

Whether it is purchased by the seller while shipping a package, or by the buyer as opt-in delivery protection insurance, shipping insurance reimburses the claimant or fulfills specific requirements when a claim is made.

Whether a package is not received, is received late, or items in the box are damaged, either the recipient or the sender depending on who paid for the shipping insurance can make a claim for replacement or refund.

Who Reimburses?

Who accepts these claims and is ultimately responsible for these replacements or reimbursements depends on the type of shipping insurance used, and who paid for it.

Sellers who purchase package insurance through their carriers must usually make claims themselves, but in the case of third-party shipping insurance services, the buyer typically makes any claims, removing the seller from the equation.

Is 3rd-Party Shipping Insurance Services Better?

Carrier package insurance is a commonly recognized method for protecting shipments, but for many sellers, using a third-party insurance service may be more beneficial.

Third-party shipping protection insurance is that which is provided by a separate business from the seller with no seller involvement necessary other than to offer it on their shopping cart.

It is free to sellers and works by charging a small fee to the buyer, with the third-party provider becoming the point of contact regarding that shipment any problems occurring with it.

Saving Sellers Important Time

Buyers contact the third-party service if there is a problem with their delivery and the service takes care of it.

Depending on the shipping insurance offered that may include reimbursement of funds, sending a replacement item, or some other option.

Third-party delivery protection services save sellers time and money while providing focused customer support to buyers making claims.

Which Option Is Best?

Though both options can work equally well to protect both buyer and seller, third-party shipping insurance tends to be easier for everyone involved.

Working with a separate delivery protection insurance service relieves the seller from having to deal with these customer fulfillment issues while retaining all the trust that comes with good customer service.

Ecommerce sellers choosing to offer third-party shipping protection insurance and customers alike can rest assured that their packages are safe, one way or another.

Find A Great Auto Insurance Policy By Following These Instructions

If you're searching for a good, dependable auto insurance company, you know how confusing it can be to compare insurers.

Not only do you need to compare rates, but also look into how trustworthy the companies are.

For tips on choosing an auto insurer right for you, read on.

Driving Into Canada or Mexico

If you are driving into Canada or Mexico, many people don't realize that your American car insurance won't cover you in a foreign country.

You will need to purchase auto insurance ahead of time online or in the border town or city where you will be crossing over into either Canada or Mexico.

Do You Need Towing Coverage?

To save money on your car insurance, take a look at dropping the towing coverage.

The cost of being towed is usually cheaper than the cost the coverage adds to your policy over a 3 to 5 year time frame.

Many credit cards and phone plans offer roadside assistance already so there is no need to pay extra for it.

Less Driving Can Save You Money

Driving less can help you save money on your auto insurance.

If you've retired or started telecommuting, tell your insurance agent right away.

Without those long commutes every day, you'll probably be able to get a lower car insurance premium.

The fewer miles you drive, the better rate you're likely to get.

Adding A Teenaged Driver

As expensive as adding your teen driver to your auto insurance policy can be, it may be worth it in the long run, as it will help him or her to begin building up a good credit report.

If they maintain a safe driving record, this history of insured good driving will give them a better rate when they reach adulthood and are purchasing car insurance of their own.

It All Adds Up!

As you can see, there's a lot of knowledge that goes in to selecting the right car insurance for your needs.

Now that you know what needs to be done, you can make an informed decision about your auto insurance provider.

Make sure to keep this information in mind, and good luck!

Great Tips For Successfully Dealing With Insurance

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When thinking of insurance, here are some of the various types of insurance that can be purchased both for individuals and for businesses.

Medical Insurance

It's easy to get good medical coverage for yourself and your family by purchasing Health Maintenance Organization (HMO) individual insurance.

This affordable group insurance can help groups of people such as employees or members of a club or organization get a wide variety of medical services for very good prices.

When thinking about purchasing HMO insurance, there are a few things you will want to consider. Read on to discover the pros and cons of HMO.

After you have thought through all the concerns related to HMO insurance plans, you should have a good idea of the amount that is allowed for each instance, the deductible amounts, maximum coverage, co-pay and monthly premiums.

Consider how this will assist you with the cost of prescriptions and trips to the doctor, and choose the best plan to suit the needs of your family and your budget.

Travel Insurance

To keep the cost of travel insurance down, you should check to see what your current health insurance plan would cover.

Some policies and Medicare don't offer any coverage if you are outside of the United States and territories, others may only cover the a fixed amount for an accident but nothing for sickness that requires hospitalization.

Understand Insurance Jargon

Insurance is like any profession: it uses a lot of specialized words (indemnification, liability, etc. 

So if you don't understand something about a policy you're about to buy, STOP and ask the insurance professional you're talking with to back up and explain in terms that you can understand.

If you still don't get it, make them explain it again.

Nothing is worse than signing on for an insurance policy that either costs too much or doesn't cover enough, because you didn't feel comfortable asking questions about it beforehand.

Personal Insurance

Use a personal insurance agent who can help you find the right kind of coverage for you and your family.

They will know the guidelines and restrictions of different policies and will be able to get the one that will cost you as much as you like and give you the coverage that you need.

Builders Risk Insurance – How Is It Affected by Covid-19?

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The COVID-19 pandemic is creating a financial crisis the likes of which have not been seen in America for generations, possible since the Great Depression.

Many people and businesses are turning to their insurance agencies to make claims, only to find out that very few losses due to the pandemic are actually covered.

Interestingly, of all the business policies available, builders risk insurance has turned out to be one of the only policies that does cover certain losses due to the COVID-19 pandemic.

In some states, interpretation of these policies means that some specific pandemic-related losses encountered can be claimed and reimbursed.

What Does Builder’s Risk Insurance Cover?

Builder’s risk insurance is an insurance policy for the owners and builders of new construction projects.

It protects investors against losses due to physical damage to the unfinished building, damage or loss of supplies and building materials, loss of income or unexpected costs during the project caused by some type of peril, and other types of loss.

In that sense, some states have deemed the current pandemic as a coverable loss for underway projects that have been negatively affected due to shutdowns and other restrictions and suffered financial losses.

Builder’s Risk Insurance and COVID-19

Many risk policies sold by builders risk insurance companies provide coverage for losses due to the COVID-19 pandemic as the majority of these losses seem to stem from forced shutdowns and stay-at-home orders.

Projects have been put on hold as a result, causing project investors financial losses in mostly soft costs, but with a few hard costs, as well.

Losses covered under builders risk insurance include things like extra interest expenses, advertising losses, and additional administrative and legal fees on delayed projects, lost projected rental income and profit, additional property taxes, and other costs due to the delay in getting the project finished.

A few hard costs such as expenses incurred protect stalled projects during shutdowns as required in their insurance policies, increased time and labor costs to resume and complete the project, and similar losses may be claimable.

Force majeure losses may also be covered.

Exclusions May Still Apply

As with all other insurance policies, builders risk insurance agencies do stress that policyholders must still review any exclusions to their policies, as these may still override what might be thought to be a covered loss.

Pandemic, cessation of work due to government order, and abandonment clauses within builders risk contracts may apply, making the losses non-recoverable.

Some of the above coverage may only be available as coverage extensions which, if not purchased, would make those losses void.

Talk To Your Insurance Agency About COVID-19 Builder’s Losses

In conclusion, it’s essential that contractors and investors involved in any delayed building project that is sustaining financial loss due to the COVID-19 pandemic contact their builders risk company to discuss their current risk policy.

Builders risk insurance is one of the few areas where the insured may have a claimable COVID loss, but only if those losses are not encompassed by a documented policy exclusion.

Gain Insight Into The Insurance World With These Tips

Buying insurance can seem like such a chore, but it doesn't have to be.

As with anything, knowing what you are doing makes the process much simpler and educating yourself about insurance isn't difficult.

This article will help clear up your confusion and give you the information you need to make the right choice.

Consolidate Policies With One Insurance Agency

Consolidating all of your insurance policies under one roof can help you save a bundle on your premiums as insurance companies commonly offer discounts to people who have multiple insurance policies.

Talk to your insurance agency and ask for a quote on other forms of insurance to see how much money you could save.

Disability Insurance

If you are concerned about what would happen if you were injured and couldn't work, you should purchase disability income insurance.

If you are unable to work, this insurance will give you enough money to support yourself and your family.

This kind of insurance is relatively cheap and secures your financial future no matter what happens.

Save Insurance Premium Dollars With A Higher Deductible

In order to get the best rates on insurance, you should choose the highest deductible you can afford, which could lower your rates by as much as 25%.

Of course, it is important that you would be able to cover the deductible amount in the event that something does happen to your home or auto.

Rent Your Home?

Rental insurance can help you recover your losses in case of damage done to your rental home's property that results in a loss for you.

Items you want covered will be listed with your insurance company and you can choose the amount to be covered.

This can really help to replace your belongings if they are all lost due to an event.

In Summary

As you can see, insurance isn't really that complicated.

Once you've mastered these basic concepts, you'll be able to successfully deal with any insurance situation that you may encounter.

Just remember what you've learned from this article and put it to work for you and soon you'll wonder why you were ever concerned about insurance in the first place!

Protect Yourself With The Right Insurance Policy, insurance

Saving money on insurance can be simple. It can be as easy as checking quotes from different agents in order to find the best one. You can save huge amounts of money, making your insurance more affordable by researching rates and prices. Read our tips to get the most for your money.

Make sure you get insurance to cover work-related property when you have a telecommuting or independent contracting job. If you work from home, your rental or home owner's insurance policy does not cover work-related items such as computer equipment used for work so having a separate policy protects work-related property from theft or damage. insurance coverage

When shopping for new insurance of any kind, be sure to get several quotes using the same coverage parameters so that you have a good idea of the market worth of the policy. Online insurance companies have made this task exceedingly easy. Select the one that seems to offer the best mix of price and coverage. It never hurts to do some online research about your prospective insurer's reliability as far as paying claims as well.

Whatever kind of insurance you are buying, remember it is little different than any other service you purchase. Comparison shopping will help you find the best insurance deal. Just remember that insurance policies come with different and idiosyncratic terms of service. A policy that looks cheap at first glance might prove to be a bad deal after careful examination. insurance claims adjusters

Checking out different insurance options can lead to some amazing deals you may have missed before. It is all too easy to just stick with the insurance you have, rather than putting in the effort of looking for a better deal. When the potential savings are significant, it is well worth the time you spend researching and evaluating plans.

As you can see, finding affordable insurance can be a pretty simple task. With our tips, you will be a well-informed insurance consumer and pay less of your hard earned money for your insurance policy. Doing your homework can pay off in the way of spending less on insurance. insurance company

Useful Insurance Tips For Your Auto Needs

A lot of people are finding it difficult these days to decide what kind of auto insurance is right for them.

The thing about auto insurance is that it's a subject where the more you know, the better chances you'll have at getting the right type of coverage, so here are some helpful tips.

  1. Keep your driving record as clean as possible because if accidents or tickets appear on your driving record, they may lead to your insurance rates going up.
  2. If you already have a infraction on your license, check with your insurance company to see if attending traffic school or a safe driving course can get your premiums lowered.
  3. The less you use your car, the lower your insurance rates will be; if you can take the bus or train or ride your bicycle to work every day instead of driving, your insurance company may give you a low-mileage discount plus spending so much less on gas will save you lots of money every year.
  4. In order to keep premium costs down, do not swap vehicles between different family members because by having only one driver for each car, you will get a better premium for your auto insurance policy.

The internet can be a valuable asset when it comes time to renew your car insurance policy, as it will allow you to do some comparison shopping to find an agency that offers the coverage you want at the lowest possible price.

No agents are needed for online transactions so the agencies pass some of their savings on to you in the form of lower premiums.

With the information you just learned, you should already have a better idea of the type of auto insurance coverage you want to get for yourself.

Since this information is only but a portion of all there is to know about the type of insurance you might want to get, be on the lookout for more information and when you feel confident get the coverage that suits you the best.

Insurance Agents Can Help With Insurance Questions!

The Importance Of Having Builders Insurance

Builders Insurance is a vital part of any construction project. Whether engaged in the area of houses, buildings or other types of projects the possibility of accidents is endless. These accidents can involve a wide area and the person who is in charge is responsible for seeing that there is insurance to cover these possibilities. Click here

Vehicles overturn, walls collapse, trenches cave in, and numerous other things occur somewhere in the country, on a building site, every day. Having protection against lawsuits, as well as providing for injured people, is essential for anyone who is in engaged in such a project. On also wants protection in case something unexpected occurs such as a violent windstorm which can cause severe damage. Having protection against these things is a requirement for anyone running an efficient operation.

The Contractor's Liability Insurance will protect one against such things as claims, lawsuits, and property damage. It will also protect against being sued for someone being injured by the contractor's operations or products as well as actions by a sub-contractor. With the large number of lawsuits being filed at the current time it is essential that anyone in the building business have this coverage. Know more

Workman's Comprehensive Insurance is required of all businesses that have employees. This covers injury to the employee and limits the liability of the builder. This insurance is required by law. It assures, both the employee and the employer, that in case of an accident they will receive the proper care needed.

Construction contracts require that one have Commercial Automobile Insurance. This insurance covers bodily injury, lost wages and damages. Many times, a vehicle involved in the project will have an accident. This policy protects the builder from court actions, which could put them out of business. Learn more

Insurance coverage is a huge expense to a person engaged in this industry. However, for one's own protection as well as the protection of others, it is an essential part of doing business. Builders Insurance, with its many entities, is essential for one to operate safely and with no danger of one's personal finances being at risk. No one can predict the future, however with common sense one can have as much protection from future disasters as possible. Visit site

Confused About Insurance? Check Out These Helpful Tips., insurance

Insurance coverage is not a luxury; it is a necessity. Choosing the right insurance policy is very important. Learn how to choose the policy that is right for you and your needs. The following tips will lead you in the right direction when choosing the appropriate coverage and deductibles.

When settling a claim with your insurance company, know how and when you will receive your payout. Many insurance policies are designed on an "actual cash value" basis, meaning that your claim may only be paid once repairs are completed or replacement items are purchased. If you needed cash to fund those purchases in the first place, you may be out of luck.

To make sure your insurance claim gets processed quickly and correctly, you should make note of who your adjuster is at the company. Many companies will hire an independent adjuster to make the visit to determine how accurate the damages reported are, but the adjuster who actually works for your company, is the one who makes the final determination of your case. insurance claims adjusters

Next time you're shopping for insurance, approach one of the companies you currently use for another type of insurance to see if they will give you a preferred rate. Your homeowner's insurance company may give you a significant deal, if you approach them and ask about whether they can offer you a preferred customer auto insurance rate.

When you have found a company to insure you, find out if that company is covered and licensed under the state's guaranty fund. This fund will pay claims in case your insurance company defaults. Check with your state insurance department and they will be able to provide you with more information. insurance company

As you can see, the more informed you are, the easier making insurance decisions will be. You will be better able to choose the insurance policy with the coverage that is right for your situation and your family. Be sure to follow these steps and you will be ready to pick your policy. 

General Insurance Tips That Fit Your Finances, insurance

Insurance, no matter what kind, is just one of those costs that you don't want to incur, but know you have to. However, that doesn't mean that you have to spend the most money for a suitable policy, no matter what type of insurance you are shopping for. With these tips, you can find reasonable rates that suit you just right. insurance agents

If you want to make sure you are getting the best deal on your insurance premiums, make sure that your credit score is as good. A negative credit score or mark on your credit report can put you into a different pricing structure and cost you money on a monthly or yearly basis.

If you can afford to do so, it is cheaper to pay your insurance premiums all at once rather than by making monthly payments. Most insurance companies will charge interest and other fees on top of your monthly payments, or may offer a discount for paying in a single lump sum.

When purchasing insurance, make sure you buy it over the internet. Most insurance companies offer discounts for those who purchase their coverage over the internet rather than in person or over the phone. Some offer discounts between 5-15%. It may not seem like a lot at first, but it adds up over time. insurance provider

When settling a claim with your insurance company, know how and when you will receive your payout. Many insurance policies are designed on an "actual cash value" basis, meaning that your claim may only be paid once repairs are completed or replacement items are purchased. If you needed cash to fund those purchases in the first place, you may be out of luck.

If you use the tips provided, you can avoid higher costing insurance policies that aren't going to really provide coverage that is any better than the budget policies you can find. There are several key resources and great concepts to use when shopping for insurance in order to save the most money possible. insurance services