You can use these internet quote forms to get policies for yourself, and for everbody in your family. You can even research all of the available car insurance discounts you may qualify for. How do Insurance Companies Set Preiums? Well, your own premiums will depend upon a variety of unique…

www.doyleraziner.com http www.hurricaneikelawfirm.com Phone 713-571-1146 | Toll Free: 888-571-1001 Commercial Property Insurance Claims Denials Often, insurance companies do not live up to their side of the bargain. They have no problem taking your money, but as soon as you have a claim, they start using various tactics to keep you from getting what you are owed under your policy. Insurance companies will often do some of all of the following: DISPUTE Claims Often the insurance company will ask you to give them all kinds of information, then nitpick and ask for more. Sometimes it seems like a game to them, but it sure seems one-sided to you. They have a lot of excuses, but not much in the way of help and assistance when you need it most. Often it even feels like the insurance company is trying to blame you for their own delays and disputes. DELAY Claims Sometimes the insurance company won’t come right out and deny a claim immediately. A lot of times, they just wait to make a decision. Meanwhile, bills and other expenses are piling up. Some insurance companies have gone so far as to mail the wrong forms on purpose and then deny a claim because the policyholder did not submit the correct form. In short, the insurance company is trying to make it so hard to file a claim that they hope the person just gives up. DENY Claims Sometimes insurance companies will come right out and deny a claim. They may even deny a claim without investigating or for another improper reason. When …

www.gopherforum.com How often have you had questions about business insurance but just didnt get around to asking your insurance agent. Its possible you are just starting out and dont have lawn care business insurance yet. As we have found through our investigation on this topic, no one knows better what your insurance needs are than your local insurance agent. Each companys needs are as unique as the services they provide. Each state will also have different insurance requirements of you. Since these questions come up quite often, we decided to compile a list of the most common insurance questions asked by lawn care business owners and found a friendly insurance agent to give us answers. 1. Q How does an LCO determine which liability policy should be purchased? What percentage of LCOs have the following coverage? $500000.00, $1000000.00 or $2000000.00 Answer: Most all carry $2000000 the difference in premium is minimal between 1 & 2 million worth of coverage. 2. Q: What is a reasonable rate for a $500000.00 / $1000000 / $2000000 liability insurance policy? Answer: Rates are based either on number of employees or sales. For an operation with 4 employees an approximate premium would be $2500. 3. Q: How much more on average is a $10 million or $20 million dollar liability policy, what percentage of LCOs have this coverage? Answer: Most lawn care companies dont carry these high limits. 4. Q: What is the average LCO deductible for liability and theft? Answer: I recommend …

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