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...hters, police officers, emergency medical technicians and paramedics. Because ... qualify for one company's discount, health care providers must have a license...

...ection (PIP) coverage, which pays medical expenses of anyone injured in an aut...

...Many insurance companies provide discounts for the successful completion of su...

.... Some insurance companies offer discounts for anti-theft devices, airbags and...

... yourself new patio furniture at discounts of up to 50% off and grills will have favorable discounts as well! For the gamer, video ga...

...y. You typically can get premium discounts of at least 5% for installing a smo...

Workers' compensation requires an end of the policy year audit to assure proper premium is charged. This process protects both the insured and insurers. Think through this process to make it easier, and cost saving. First, choose a policy year that creates an easy audit. The calendar year works for many companies. You already must report payrolls to the US government, the paperwork is essentially done. Calendar quarters work for the same reason. If you prefer to use your corporate tax year, go ahead. If you complete quarterly profit and loss, you can use a financial quarter. But choose an annual period which already has an audit trail. Keep payroll records separate for each workers' compensation classification. Normally, this record keeping is straightforward. The same people specialize in certain tasks: clerical, sales, labor, or drivers. Some operations can be more complex. If labor crosses from one specialty to another, perhaps a carpenter helps pour a concrete slab, that payroll should be split on an hourly rate. The higher rate applies otherwise. Demand any subcontractor, for example a hood cleaning crew for a restaurant, provide a Certificate of Insurance (COI). Technically, insurance companies can charge for the payroll portion of any contracted work in the absence of a COI. If you use to a non-covered contractor, keep those records to properly assign a discount for premium. Lastly, keep records to isolate overtime pay. Overtime payroll receives a discount for premium purposes. Make audits easier. Choose a convenient policy period. Keep records for independent contractors with COIs, and payments to those without. Isolate overtime pay. Segregate individual payroll by classification if that individual works in multiple job descriptions. Your premium will be more accurate with a minimal additional management effort. And, the default position is always to increase payroll, and therefore, premium.

...eive an email regarding sales or discounts from a particular retailer, log on ...

... provide 2 percent to 15 percent discounts for devices that make a home safer—...

With the new year comes the tendency to make resolutions that are designed to help a person address what they perceive to be as their own shortcomings. While resolutions such as "exercise more" and "lose weight" are often at the top of the list, these types of resolutions often fall by the wayside all too soon after the first of the year. The following insurance resolutions for the new year are simple to implement and can have long lasting effects. 1. Purchase Life Insurance This is a resolution that should be on everyone's list but it does not always seem to make it to fruition. Make 2015 the year you talk to your insurance agent and find the ideal life insurance plan for your circumstances and your budget. You'll rest easier at night knowing that your loved ones are taken care of and your assets are protected. 2. Take a Fresh Look at Your Homeowners Insurance Did you or a member of your family receive an expensive gift this holiday season? If so, you might want to take a look at the deductibles that you previously chose for your homeowners insurance. While a high deductible often looks attractive because it can make your payments lower, if it is too high it can be difficult to replace items that are covered unless you dip into savings or other monetary reserves. 3. Does it Make Sense to Bundle? If you have insurance with more than one company, you could be missing out on significant savings. Most insurance companies have a bundle plan that allows you to save money if you have more than one policy with them. Much like car insurance policies that give you a multi-car discount, bundling your insurances with one company can often allow you to enjoy savings on your policies.