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...ould you like a limit of liability higher than $100,000? Would you like a higher amount of coverage for medical payme...? Would you be interested in a personal umbrella policy covering you for ...

...y-five percent (25%) of its agreed value. This ownership will begin vesting up...ensation, Bonds, and other types of Property and Casualty insurance handled by...

... . 9. Even if home or business furnishings and effects look like total losses, ' do not get rid of them until after they have been examined by an adjuster. 10. If your car has been damaged or submerged in a flood, move it to high ground and let it dry out. Do not attempt to start or operate it until it is thoroughly dried. 11. Wooden furniture should be cleaned as quickly as possible. Avoid rubbing in abrasives such as ash, plaster, or wallboard particles that have fallen ... ); date of purchase or approximate age; cost at time of purchase; and estimated replacement cost today. Include as much of this data as is available. 6. Collect canceled checks, invoices, or other papers that will assist the adjuster in obtaining the value of the destroyed property. 7. If you feel it is necessary, secure a detailed estimate for permanent repairs from a reliable contractor and give it to the adjuster when he or she arrives. The estimate should contain: detailed specifications of the proposed repairs, ... can't eliminate them, do your best to be aware of and avoid them should an earthquake occur. Coverage for Shakes, Rattles, And Rolls After a quake, many people find themselves with no resources to rebuild or replace property because they weren't insured. Most standard Homeowners policies specifically exclude losses from earth movement. Coverage must be added by an endorsement or a separate policy. Earthquake coverage provides for earthquake damage up to the limit on your Homeowners policy or up to a specific dollar amount. The endorsement does not increase the limits on ...

... Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Windows Of Opportunity 4/30/2013 12:00:00 AM by CompleteMarkets Editor , Damond Benningfield This content has not been rated yet. Competing for prospective clients costs money, with high advertising and marketing expenses taking a big chunk out of commissions. But some agencies are reducing or eliminating competition by entering niche markets. Companies often pay higher commissions for niche-market programs, and because there are few competitors-and in some cases, none at all-there are few ... that for volunteer fire departments over 20 years ago, before Art Glatfelter went to bat for them. VFIS writes all lines of business except workers' compensation' for volunteer fire departments and emergency service organizations. Available coverages include injury-to-firemen liability, accident and sickness, vehicle agreed value for engines, errors and omissions liability, pollution liability, medical malpractice, bonding and others. VFIS currently insures more than 500 Texas volunteer fire departments and emergency service organizations, Regnier says, primarily in Houston , Dallas and San Antonio/Austin regions. The ... premium is about $9 ,000, with some departments paying as little as $3 ,500 and a few anteing more than $100,000. The Company estimates that about half of the state's 1,300 VFDs are target customers; the others are too small or are required to carry coverage through their city or county. The agency writes about two-thirds of its volunteer fire departments and emergency service organizations directly, with the remainder handled by a network of more than 70 agencies peppered across the state. Regnier refers potential ...

... and productivity, so protect your valued employees by providing ergonomic tra...