My Insurance Super Market

November is Winter Danger Month at Embrace Pet Insurance

November 1st, 2011

With the cold weather coming up, youll need to watch out for cruciate ligament ruptures in wet, oricy and snowy areas when doggy footing isnt so stable, as well as cracked paw pads from the cold.

And of course, theres all that rich holiday food lying around just begging to be eaten. Weve seen more than our fair share of claims for surgery removing the turkey bones from a dogs stomach and treating for pancreatitis from eating rich and fatty human foods like turkey meat and gravy.

Do you have any health experiences from winter dangers to share with our readers? Well be sharing some of the good stories on this blog. Feel free to email me at .

Posted in Insurance Consultant | No Comments »

Whither Rhode Island?: “Manicestation” and Contribution Claims

October 31st, 2011

Rhode Island has the distinction of being not only the smallest state in the union but also one of the few that still adhere to the principle of “manifestation” in resolving long-tail insurance coverage disputes. Both “manifestation” and “all sums” are similar in that the insured’s rights are initially limited to a single year of coverage. They differ dramatically, in that the “all sums” approach recognizes that bodily injury or property damage may have occurred over a period of years and allows the targeted insurer to seek contribution from insurers in other years where injury occurred (although generally not from the insured for uninsured or self-insured periods.) By contrast, the “manifestation” approach assumes that bodily injury or property damage has only occurred in the particular year where it was discovered or, as Rhode Island courts have ruled, when it was discoverable through the exercise of reasonable diligence. See CPC Int., Inc

Read more…

Tags: Island, Rhode Island

Posted in Insurance Quotes | No Comments »

Where to Find Premium Savings?

October 28th, 2011

As we get to the end of 2011 it is time to start looking at ways to save business insurance premium dollars in 2012. I though about this after I finished an article on premium savings for green business practices. There are a great number of ways a business can save on premium expense.

1. First, safety. Like it or not, the best way to reduce premium costs is by having safe employees and safe business practices and consistently applying those standards.
2. Your business can review its coverage and existing policies.
3. Your company can get involved in trade organizations, chambers of commerce, or other organizations and purchase business insurance through the organization for a significant savings.
4. Employee training, depending on the industry, can reduce premiums.

Read more…

Tags: Premium Savings, Savings

Posted in Insurance Consultant | No Comments »

ASDA Car Insurance Review

October 25th, 2011

This ASDA Car Insurance review is a review of ASDA Financial Services. This company is based out of and provides insurance and services solely in the United Kingdom.

Read more…

Tags: Car Insurance, Car Insurance Review, Insurance Review, Review

Posted in Insurance Rates | No Comments »