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Individual Insurance In the Shooting With a Crossbow

Sep 04, 15 Individual Insurance In the Shooting With a Crossbow

If you have a club specialized in shooting from the crossbow, or you are just a member of such a club, then you should consider a policy of insurance to cover possible accidents. Crossbow shooting is considered as a risky sport and this is obviously one of the reasons why you have to open four eyes when you choose an insurance for your team or for yourself.

Some shooting insurance does not cover accidents that may occur as a result crossbowing. But if you choose the right insurance, you can cover all possible situations with one policy – those relating to people, as well as those on the equipment. At the same time, you can enjoy all forms of archery, without being limited to a specific weapon.

Why is it good to choose individual insurance for crossbow shooting?

As in any sport, especially those involving the use of weapons, accidents can happen. If you choose a good coach and the proper model of the crossbow, if you take all the precautions, the chances for accidents are small. However, insurances serve to cover those small probabilities and secure compensation.

When shooting with a crossbow and other forms of archery is concerned, you should bear in mind that the incident with a weapon may not happen only outside, during the shooting. It can happen at home, where you hold your weapon. Many shooters lose from the sight this fact when it comes to insurance, partly because they believe that home insurance cover this type of accident. When you purchase a special shooting insurance policy, you will be insured inside and outside your home.

There are group insurance policies that are available for clubs and associations. However, you do not need to be a member of an association to cover crossbow shooting with an insurance policy. There are also individual insurances that can cover the crossbow shooters and crossbow coaches.

You can customize individual insurance policies for your needs. Investment in the shooting equipment is not small. If anything happens to your arms during transport, use, or in any other way, good individual insurance for shooters will cover it. Of course, there is not only a risk for your weapon, but for shooters too. One careless move can be dangerous to the shooter or for someone else.

Crossbow coaches are exposed to greater risk because they work with people who are not yet aware of all the wrong moves they can make. Although trained for work, coaches still need to purchase an insurance policy. There are individual insurance policies for coaches that cover injuries, loss of earnings due to the inability to go to work, and the equipment used during training.

There are many ways that something goes wrong during practice shooting with a crossbow – from poorly prepared weapons, coaches mistakes, mistakes of students. A good shooting insurance costs less than equipment, and it can allow you to enjoy dealing with a crossbow training safely.

Besides individual insurance policies, there are those that are available on the club or association level. You should always be careful because they are not all insurance companies willing to cover all types of shooting. Group insurance is good, but individual insurance is better and the only safe option.

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Insurance Considerations For Home Improvement Projects

Aug 25, 15 Insurance Considerations For Home Improvement Projects

When winter is out of the way, homeowners begin to look at various home improvements they’ve been putting off. Whether it is adding the deck you’ve been eyeing at, installing kitchen cabinets or any other improvements around the home, the costs are bound to escalate. In such a scenario, it is best to verify with the insurance services you’ve availed for your home, before you begin the improvement project. It is necessary to increase the coverage based on the remodeling or improvement you’re planning. Here are some insurance tips to assist you.

New Roof

Replacing your roof may not provide much appeal to the appearance of your home, but it can be beneficial for you on the insurance front. With a new roof, you can bring down the insurance premium for homeowners insurance policy by around 20 percent. The roof is a major factor that influences the policy as roof leaks due to snow, hail, rain and wind are common occurrences causing major amount of losses.

In fact you get more discounts, if you install loss mitigation steps in your roof such as waterproofing, hurricane straps etc. If you’ve wooden beams in the ceiling, using tools such as the oscillating tool at would make the job easier and cost effective too. Make sure you have the right documentation of the upgrades done. The discount or reduction in premiums varies according to the state and company.

DIY advice

In case of DIY projects where you have to do the renovation alone, you need to assume all risks. It is best to review the insurance cover for property and liability. Here are some of the factors to consider

  • If you’re paying friends for the renovation, if they are injured you ‘d be subject to workers’ compensation rules
  • In case your relative or friend helps you out without any money involved, any injury is covered by the homeowners’ policy you have. But remember that homeowner’s policy doesn’t provide main liability protection for such injuries.
  • To prevent any financial difficulty that may arise due to serious injuries to workers, it is better to have umbrella liability cover, which increases the limits of your homeowners’ policy.


If you want to make either furniture made of reclaimed wood as part of your personal home use or for setting up home based business, it is necessary to verify whether your homeowner’s policy covers it. Using appropriate tools helps in safer and efficient improvement work.

For instance, the efficient Rockwell rk-5140k tool provides a smooth and handy tool for use in many home improvement works.  In most cases, you may have to take an endorsement or rider based on how complex the business is. In some cases, such as when your business sees heavy foot traffic, an additional business cover may be required.

Since any renovations, done to home add value to your property and act as an investment on your part, having the right insurance cover combination is vital. It is therefore best to talk with your insurance carrier on whether the home improvements you’re undertaking have the adequate cover and not leave you vulnerable to any loss.

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Insuring Against Tool Accidents

Aug 18, 15 Insuring Against Tool Accidents

Any mechanic or machinist who has invested thousands of dollars or more into a quality set of tools knows the value of those items and understands the need to keep them insured against events like loss, damage or theft. But what some of them may not consider is that accidents can happen to the one wielding the tools just as easily as they could happen to the tools themselves. Insuring yourself against accidents and injuries caused by your tools is important if you work with them often, especially if you use those tools to maintain a livelihood for yourself.

To be frank, if you already have a health insurance policy, you may have coverage against the accidents described here. However, that’s something you’ll probably want to check before you try completing any dangerous projects – better to know you’ve got it and not need it than end up needing it and not being sure you actually have it. It’s unfortunate how few people actually read the fine print to their policies and understand exactly what type of coverage they have. Don’t be one of those people; if you have health insurance then be sure you understand it in and out.

On the other hand, if you have no coverage at all, you might do well to consider establishing a policy specifically for tool-related accidents. This will undoubtedly cost less than a general health policy, since the coverage is very specific and limited to only a number of accidents or occurrences. If the only thing you’re worried about is getting hurt by your tools, this is a perfect answer to your lack of insurance coverage. Some tools can cause a lot of damage to the user; for example good quality reciprocating saws can take fingers right off the user’s hand if they aren’t careful, and that’s just the start of what could go wrong.

Other tools can be much more dangerous than a standard reciprocating saw though. Belt sanders could literally kill a person if their hair gets caught in the machine. Nail guns have killed people before and they probably will again in the future. Naturally, the best way to deal with these hazards isn’t through insurance, but rather by making sure you handle all of your power tools and equipment while following the proper safety protocols in the first place. These can usually be found in the owner’s manual, though some things are just common sense.

For instance, if you have long hair and you’re going to be working with heavy equipment, it would be wise to tie it back and keep it out of the way. The same thing goes for loose-fitting clothing; that could be just as bad if it gets caught in spinning wheels or interlocking gears. At the end of the day, even with taking all proper precautions, accidents can still happen. With that in mind, take a good look at your current coverage if you have any to see if it suits your needs – or consider getting some if you have none right now.

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Workplace injuries and the right insurance cover

Jul 24, 15 Workplace injuries and the right insurance cover

The mention of workplace injury may make you think of huge scale manufacturing units or construction sites. But in reality employees who work in environments that are considered not as risky are more prone to illness or injury.

A study done by the United States Department of Labor cites that over 3 million Americans suffered injuries of non-fatal nature while on job in 2013. And a majority of these injuries were in service providing industries alone.

Common injuries

The injuries that are frequently reported at workplace include

  • Injuries caused by repetitive motion, which is common to many jobs. When the exposure to repetitive motion is over a long term, it can cause strain on tendons and muscles.
  • Overexertion injury is another commonly reported injury and the causes include throwing, carrying pushing, pulling, or lifting.
  • Tripping or slipping injuries, which result due to slippery or wet floors or because of debris being left in walkways
  • Violence on the job due to employee disagreements
  • Falling from considerable heights results, when faulty equipment is used or if a worker slips by accident.
  • Vehicle accidents sustained while employee is performing job duties.
  • Injury while handling or operating heavy machinery is also a cause when a body part, clothing, or hair gets caught in the equipment. While cutting timber for instance, workers are prone to injury because of the heavy equipment and force needed. This can be averted mostly by the use of log splitters you can find at

Most often workplace injuries are due to bodily reaction or overexertion to the usually office tasks. It is the responsibility of the employer to ensure best practices, so such injuries and the insurance liabilities that follow are avoided.

Preventing workplace injuries

Business Insurance companies estimate the premium level based on the claims history, existing safety, and health care processes. When a company ensures an established and solid risk management framework, the insurers will take on a more favorable approach at the risk involved. Some of the ways to prevent injuries at workplace include proper training of employees, advanced planning and good communication.

Proper systems in place for operation, first aid and safety procedures help in maintaining a high safety standard.  If needed employees should have easy access to the right safety tools, clothing, and equipment.

Maintaining the right work environment by clearing the workplace of mess, clutter, and spills helps in better safety. Proper storage space helps to alleviate most of the clutter you see in offices and work spaces.

Most injuries at workplace are due to carelessness of employees, their distracted mindset or overexertion. Sick employees have higher risk of being injured. Ensuring a comprehensive benefit plan is in place for employees will help them feel supported and take care of their health properly. Insurance companies, which offer a blend of disability, life, medical, and other products should be chosen. An insurance company that has a customized plan, which can help benefit the needs of your employees, is an ideal company you should consider.


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Insuring Your Cafe or Bar

Jul 04, 15 Insuring Your Cafe or Bar

You’ve probably heard about many different types of insurance, but did you know that one of the most prominent and most sold types of insurance is business insurance. If you own any type of business, you will want to have good coverage in case anything happens. If you don’t have adequate insurance, an accident or some bad luck can drive your business into the ground. In this article, we will be discussing business insurance for bar or café owners. So, here are some good tips if you want your bar or café to be fully insured and safe from harm.

  • Planning

Getting business insurance requires a fair amount of planning. This especially goes for businesses which sell alcohol in their establishments. One of the first things you need to ask yourself when assessing insurance or planning risk management is about the value of your property, fixtures and content in the establishment. Is your establishment located in an old building or a newer one, do you have coolers, a karaoke machine (like these), expensive décor, or a big stock?

  • Alcohol

Another important question to settle is how much alcohol you are going to be selling. Are you opening a relaxed daytime café with nice dining, or have you already bought yourself a karaoke machine, and are planning to have a crazy and drunken karaoke bar? If your sales are going to be more than 50% alcohol, you have to aware of the fact that your premiums are going to be higher. Find out just how much that will be before settling on just any insurance plan.

  • Liability

Another important point you have to inform yourself about is what is the bar owner liability in case of injuries to a third party which an intoxicated patron causes. This varies from state to state, so it would be best to find out the correct information from a bar or café counsel in your area, or ask someone who you’re sure has the correct information on this topic. If you are liable for any injuries, your premium is sure to be higher.

  • Natural Disasters

Is your establishment located in areas which are prone to natural disasters or some other dangers? If so, your premium will definitely be higher. These areas include beaches, flood prone areas, areas with a high risk of hurricanes and earthquakes, mountainous areas, etc. Get the correct information on your area before settling on how much your premium is going to cost.

  • Other people

Are you going to have other workers in your establishment other than yourself? if so, you will definitely be needing some kind of workers’ compensation insurance which is going to accompany your business insurance policy. Another important point to consider is whether you’re going to get health insurance for your workers, and if so, what kind of insurance will it be and what kind of coverage will it provide.

These are all important points to consider before you even contact your insurance specialist. Have all your answers and documents ready when you sit down to discuss premiums.

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Tips For Better Home Insurance

Jul 03, 15 Tips For Better Home Insurance

While some types of insurance aren’t necessary, only a good idea, some, like home insurance, are an absolute must-have. This is obvious from the fact that most mortgage companies will not give you a loan or help you in financing residential real estate transactions if you don’t provide proof that you have coverage of your property. In this handy article, we will give you all the information you need if you want to be sure that your home insurance is everything you personally need.

Insurance for homeowners can be really expensive, especially for larger homes with, stables, and things like that. It can also be very expensive to insure a home which is in the vicinity of a major waterway, in an area with a higher earthquake risk, or some other tricky area. Homes in these types of areas are forced to pay a high premium, which can amount to thousands of dollars in the course of a year. Although the situation is what it is, you can always do something to lower the cost of your insurance. Here are some nice tips for doing just that.

  1. Keep tabs on your security system and upgrade it regularly

If you have a decent security system, your insurance will be lowered by as much as 5%. This especially goes for security systems which are directly linked to local police stations. If you want to claim your right to that discount, you have to provide proof of the fact that your security system is linked to central monitoring.

  1. Raise the deductible

If you choose a higher deductible, you will have lower annual premiums. The problem with choosing to do this is that smaller problems will have to come out of your own pocket. We had a client a few years back whose pool heater got stolen (this one, and he had problems with his company because he chose a higher deductible. Things like broken windows and leaky pipes are also going to have to be paid by the owner.

  1. If you’re construction something, plan ahead

When you’re making additional construction work on your property, think ahead and plan for your insurance. If you choose materials such as wood for frames, you will have a higher premium, because wood is highly flammable. For frames of cement or steel, your insurance will be lower. Another thing that people fail to account for is the insurance cost accompanied with building swimming pools (with pool heaters), and other things that could potentially cause harm, such as trampolines. These types of things can drive up your insurance by more than 10%. Although most people would opt to build them nonetheless, since they are a great and fun thing to have at your home, you have to be aware of the costs associated.

  1. Make regular reviews of your policy

You should take you time to review you policy at least once a year, and compare it to other policies to make sure you’re not paying too much. You will be amazed at how much you can save with this simple step.

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Insuring Industrial Equipment

Jun 25, 15 Insuring Industrial Equipment

One of the biggest obstacles for any small business looking to expand is equipment. Computers, forklifts, belt sanders and other large, bulky and expensive items are often used in industrial settings and just as often necessary to the success of a business. These machines allow for a single user to complete much more work in the same amount of time it would normally take them to do far less if working without the support. This boost productivity and makes a business which might normally just break even at the end of the year do better and see a profit, thanks to simply getting more done.

This is a guiding factor behind any large equipment purchase – is this item going to make more money than it costs me to purchase and install? If the answer is a clear and immediate “no”, then purchasing the equipment is probably a bad idea at that time. There are many factors which can make industrial equipment seem like a bad investment, but the cost of ownership is usually the one that stops a purchase from happening. Warranty coverage against normal wear and tear is usually enough to keep a machine running for the warranty period, but what about after that?

Furthermore, what if the company that manufactured your particular equipment decides the wear isn’t “normal” at all, and refuses to repair or replace your item? In the case of a belt sander or other large, table-type piece of equipment, you could be out thousands of dollars or more, just like that. Because of the high value of this equipment, insurance is pretty much a necessity, just like it is for vehicles, homes and other expensive investments. Compared to the rates for those other items, it costs significantly less to insure such equipment as well, which means it’s probably more affordable than you think.

Many insurers offer policies specifically for work and construction equipment, including belt sanders, which are often used in carpentry and other construction projects. They can usually be insured right along with nail guns, framing nailers, electric drills, jackhammers and other items. In fact, you can often find agencies willing to give discounts based on the number of items you are insuring with them, so it typically costs less to put all of your goods under a policy with the same company rather than splitting them up among different insurers. The key word here is typically – it’s not a matter of fact.

That means you should still shop around to find the best company, terms and deals for your specific needs, which only you really know. I can’t tell you what to do, but I can tell you that insuring your industrial equipment will make it easier to repair or replace when something happens. This could be the difference between getting your business back on its feet in a timely manner and losing all kinds of money because you lack the equipment to complete jobs for clients. Bad gear has caused bankruptcies in the past and it will again. Just keep it in mind.

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Insuring Your Aquarium and Its Contents

Jun 17, 15 Insuring Your Aquarium and Its Contents

Fish and other aquatic critters make for pets which are extremely low maintenance. They don’t need regular walks, they get enough exercise just swimming around every day as things are, and as long as they have enough food and oxygenated water to breathe through their gills, they’re going to be pretty happy. Well, as happy as fish can be anyhow, considering the fact they forget everything they know every few seconds. Despite the fact fish are so easy to own and care for though, they can also be some of the most expensive choices for pets on the market. Because of this, insurance is never a bad idea.

Exotic fish come in a wide variety of colors with radiant blues, reds, yellows and other bright, bold hues that make them attractive centerpieces in a home, as well as great ways to start up conversations with guests who may be visiting. They’re also incredibly expensive due to importing fees, tariffs and the fact that not every fish taken from a native location and moved into a market environment will survive the transition. Even domestic or common kinds of fish can be costly, which should be a sign as to how much more expensive fish from farther away could be. Take a warning from this.

Some fish are rather picky too when it comes to the kinds of environments they can survive in. Make the water even a few degrees too warm or cold, don’t pump enough oxygen into the tank or let the filtration system kick off for a time and you could end up with some very expensive, very dead fish. This is ultimately why you should insure your aquarium and its contents if you’ve put a great deal of money into the lot. If you just have a simple tank loaded with guppies, goldfish or other common and cheap fish, there’s no need to worry about this. But what if you spent thousands of dollars on an aquarium?

Like anything else, an ounce of prevention is worth a pound of cure, so to speak. If you’re going to go through the hassle and expense of insuring an aquarium of fish valued at several thousand dollars, then it should be a small thing to make sure you have the proper equipment installed as well. A decent air pump along with a canister filter or other, smaller filtration system depending on the size of your setup is a good start. You might also consider securing a backup energy source specifically for your tank, so everything will keep running and your fish will keep living in the event of a power outage.

The value of a tank full of fish and the need to insure such a thing have both been made clear here. As to what company you might find to insure your tank of fish, you will need to do some searching for that. Any company that offers pet insurance would be a nice place to start, but you’ll want to be sure the policy you purchase covers aquatic life and that there are no stipulations for exotic aquatic life specifically which would indemnify the insurer in case you make a claim.

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Guide on insuring your Kayak

Guide on insuring your Kayak-Insurance cover for water-based activities is difficult. Finding an insurance company that provides good cover is therefore necessary. The insurance should be at affordable rates and easy to apply and claim. While paddling may be fun filled and entertaining and does not involve any major risks, accidents can happen including injury to paddler, kayak or the equipment, and the kayak may be stolen, lost or damaged.

Most often people who own kayaks wonder on the insurance cover they can provide for the kayak. The insurance is needed for the gear involved in kayaking and in case of theft. While it is easier to choose a kayak from the different varieties offered, choosing the right insurance needs proper perusal of the various factors. Here are some tips on insuring a kayak.

Insurance cost

The homeowner’s insurance policy usually covers watercraft and the related accessories to about $1,000 to $1,500. The watercraft covered includes rowboats, sailboats, kayaks and canoes. While outboard and inboard watercrafts are mostly excluded from the standard policy, property loss cover for kayaks, sailboats and canoes at 26 feet or below are covered. Even if you borrow a friend’s kayak and incur losses, your homeowner’s insurance covers it fully.

Coverage considerations

Usually personal property loss in case of kayak occurs, when you are away from your home. The standard homeowner policy covers losses on your kayak irrespective of where is it present. An exception to this rule is, when you own a second residence like vacation cabin or summer home.

For kayaks which are very expensive and will not get adequate cover with the $1,500 insurance protection it needs to be itemized as scheduled watercraft, under which the amount covered will be assessed based on the cost of the kayak or on valued basis. Valued basis is the term used to denote the appropriate value arrived upon by the insurer and policyholder for the item to be insured. Fine arts and jewelry too come under this category. For expensive kayaks, a separate scheduled insurance may be needed with additional premium paid for it.

Accident or damage covered

Most often homeowner’s insurance policy covers property against the perils listed in the agreement and this includes incidents like explosion, lightening, fire, theft and physical damage. Ice, nuclear hazard, war and water backup are few perils that are excluded in most of the policies. You need to read your policy thoroughly for the perils listed or contact your agent regarding any additional cover you may need.

Insurance claim

The amount of money provided for your insurance claim depends mostly on the conditions agreed to in the insurance contract including the valued amount and deductibles. If the loss is deemed as a reasonable one, the company will award the valued amount from which the deductible is reduced. For instance, if you file a claim via your insurance company when your kayak is stolen, the value is based on the cost of kayak, while purchasing it. If your insurance policy has a deductible of $50 for an incident and the cost of kayak was $3,500, the company will pay you $3450 indemnity.

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Benefits of Wellness programs offered by Insurance companies

Benefits of Wellness programs offered by Insurance companies-Insurance companies also offer wellness programs identical to what companies offer for their employees. The main reason is obviously to bring down the cost incurred because of health insurance for chronic conditions. About 80 percent of all health insurance expenses are due to conditions that can be prevented with proper health programs aimed at proper diet, weight loss, exercise and cessation of smoking.

Although big companies offer advanced wellness programs for their employees, small businesses do not have the means to do so. Instead, they make use of health insurance companies, which offer a complete wellness program including wellness coordinators, health assessment tools and implementation of the program at workplace.

Wellness programs address both emotional and physical issues. The services include cessation of smoking support, stress management advice including weight loss plans, exercise programs etc. There are also comprehensive plans to deal with management of at risk employees, personal and family therapy, personalized nutritional services, health education and awareness programs like proper back support for those who sit for long hours at work and right foot wear for those who stand at work all day long.  Stress reducing physiotherapy, safe driving instructions and proper ergonomics are also part of the wellness programs.

Since the insurance companies work with health care providers, it is easier to give a comprehensive wellness program. For instance, your insurance company can send you health assessment report to the physician in charge of your primary care, so your risk factors are kept in check and your health is maintained. When your work involves standing all day long and you run the risk of varicose veins, you can very well avoid it by preventive measures like reducing stress on your feet by wearing comfortable shoes, taking the right diet, exercise etc.

Another reason for health insurance companies to provide wellness program is they get accreditation by the NCQA (National Committee on Quality Assurance). While insurance companies need not have this accreditation, employers need it before they choose a particular health plan. This makes it necessary for insurance companies to have this accreditation to compete with the companies that do not have the accreditation.

Health insurance companies also offer incentives to customers for taking up the wellness programs. Cash, discounts or prizes are given to customers who take part in the weight loss and nutrition programs, and for filling out health questionnaires. These rewards are necessary as most often people don’t take up these wellness programs that easily.

The incentives serve as motivation for attending the health programs and reaching health objectives like lowering weight, getting blood sugar under control and reducing blood pressure levels. iPods, exercise equipment, gym membership discounts, vacation, cash are some of the incentives offered. Rewards also focus on reducing insurance premiums or cash for seeing to medical expenses. When the wellness programs are used more, the rewards also increase proportionally.

But one major drawback with the wellness plans offered by insurance companies is the premiums are high initially. Employees usually switch over to cheaper plans that do not have the wellness option.

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Provisional Health Policies for Hunters

Feb 20, 15 Provisional Health Policies for Hunters

Insurance is all about risk – things which have a higher risk of being damaged, stolen or lost cost more to insure than safer items and people can be the most expensive things of all to keep safe and sound with a policy. This is because, unlike your house, you can get up and go places, or do things, which might pose a danger to yourself or those around you; going hunting is a good example of this. Even the best trained people still have accidents, so you might want to consider a temporary, short-term of provisional health insurance policy for those times of the year when you’re far from home, rifle in hand.

Naturally, this sort of policy won’t be cheap, but think about it objectively. You could have your normal health insurance policy with serious charges for services you don’t need 11 out of 12 months in a year, or you could get substantial savings by chopping this bit out of that and then getting a short-term policy for the times when you go hunting and are actually at risk of being injured. It’s a little too much micromanagement for some, but even if you don’t like the sound of the extra work, you must realize this is a better way to keep yourself covered if you’re a hunter.

Depending on what you’ll be using to hunt, you might be able to cut down costs a bit. Bows are inherently less dangerous to the user than guns and if you’re more of a trapper, firing no projectiles at all, you might get the best rates available for this type of policy. Head on over to to see some of the different methods for taking down game and you might be surprised at the many ways hunters handle their trade. When your greatest risk of injury comes from catching a finger with a hook rather than taking a bullet to the body, you pay less for coverage.

Also keep in mind that unless you’re going to spend the entire hunting season out looking for your animal of choice, your temporary policy will very likely need to cover you for only a week, perhaps two, and no longer. Even if you are a real enthusiast with a patch of land and a cabin to help you weather the whole season, you’re probably still looking at a month of coverage or less. It’s such a short amount of time that you’ll find plenty of agencies and companies willing to provide you with a sense of safety for some cash up front.

That’s not to say this is always the best way to handle temporary insurance. If you have a great health insurance policy already, you may have the coverage you need and therefore wouldn’t need to buy anything additional. You might also be paying better rates now on your current policy than you would be with a new insurer and a new policy. Of course, only you know your current insurance situation. Studying that prior to purchasing more will help you find the right path for your specific needs.

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The Importance of Personal Property Protection

Feb 19, 15 The Importance of Personal Property Protection

Many homeowners have the wisdom to maintain a homeowner’s insurance policy to protect their dwelling (and usually all of the property kept within that dwelling). Really, why spend hundreds of thousands of dollars on a piece of land and the house built upon it if you won’t pay a meager monthly amount to insure the whole lot? It’s just silly to think some people own homes but don’t have them insured, but what’s even worse is that some people try to do the right thing and end up with a policy that falls short of their expectations. When you’re shopping for a policy, look for the following points.

Does the policy offer personal property protection? This is a given with some insurance companies, but others will leave this coverage off their standard policies to advertise lower premiums and rates, hoping to sell a few more policies by doing so. Insurance is not a complicated or tricky game – everything about your policy is outlined in writing before you sign a thing, so you only have yourself to blame if you land some lackluster insurance. If you cooked for a living, you would insure everything you used, right down to your meat grinder, right? The items you own are worth keeping covered if they were worth buying.

very good house i wish i hadSecond, what natural (and unnatural) disasters does your policy cover? Some homeowner’s policies come with fire and flood protection inherent, but this isn’t always the case. Again, you’ll want to read the terms and conditions through completely, maybe even multiple times, so you understand exactly what kind of coverage it is you’re purchasing. Flooding from a river rising might be covered when flooding from torrential rains is not – it’s up to you to figure out what’s what. At the end of the day though, if your policy doesn’t adequately cover your property, consider upgrading it or using a different vendor.

Third, does your policy take into account the exact values of the items being insured? You may think it does, but unless you’ve got a big box full of receipts for everything you’ve purchased, or you’ve given very specific amounts to be insured for every single item you own, your policy probably isn’t as good as it could be. Again, going back to meat grinders, if you have this LEM machine which averages around $600 new, then you’d want to make sure you were insuring it for the right amount – not more and not less.

Personal property protection is a major reason to get homeowner’s insurance. Sure, you’ll want it in case your home burns down or gets flooded out, but besides the home itself, everything you own which is in the home will also get trashed by these disasters. On a final note, be sure to remove any provisions for insurance you obviously don’t need; like flood insurance if you live in Arizona, or earthquake insurance if you live in Wisconsin or another place where earthquakes are incredibly rare. Protecting your property is important, but don’t waste money on protection you’ll never need.

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Insuring Sporting Goods

Jan 13, 15 Insuring Sporting Goods

While it’s important to get some insurance for yourself if you plan to play any competitive sports that have a real possibility of causing bodily injury or harm, you can’t discount the need to insure your equipment as well. Sporting goods, especially grappling dummies in the case of martial arts classes, should probably be insured if there is a good chance they too might become damaged. Naturally you can avoid all this hassle for items which are easily replaced – balls, pucks, bats and the like. But if your equipment costs enough, then you need to do yourself a favor and get it insured.

There are ways to cut down on the costs of insurance too. One of these, a very easy one mind you, is to get exact numbers and amounts for items to be insured. Some agencies won’t offer a policy at all without specific information, like the number of dummies to be covered, for instance; others will just give you a “usual” exceedingly high rate to cover them, regardless of how many items you actually need insured. By providing accurate counts, you can avoid overpaying for insurance, as well as make shopping around between different providers a much simpler and more streamlined process.

Nailing down a specific amount paid per dummy will also help you to get lower rates from an insurer. Generally, less expensive things will cost less to insure, because they will cost less to replace in the event of damage, loss, theft or another unfortunate event. If you check at websites like you can find information about some of today’s most popular grappling dummies, including price points. Naturally, you’ll want to shop around to find the best purchase price, just like when buying anything else. Lower prices tend to mean lower insurance rates.

In general, new products cost less to insure than aged ones. Because replacement parts and even replacement items are more readily available for items of more recent manufacture, it’s easier to repair of replace them and so the costs of doing so are less. While you might save some money up front by going with used or damaged dummies, they will no doubt hold up under the regular abuse of punches and kicks to a lesser degree than newer dummies. Only you know your specific needs, but if you need something which will last a long time and cost less to replace when it finally does break, try newer dummy.

In these ways, you can reduce the cost of insuring sporting goods. While the tips given were certainly directed to grappling and physical training dummies, they apply to practically all sporting goods – as well as just about anything else you might want to insure. Exact numbers, figures and costs provided up front will get you more accurate insurance premiums and newer items are generally easier to replace or repair than older ones, so keeping these two points in mind when you’re looking to insure your goods will make the process both cheaper and easier.

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How to Choose the Right Insurance Company

Dec 13, 14 How to Choose the Right Insurance Company

If you’re in the market for insurance of any kind, you’ve probably read one or more articles like this one already. But just like finding advice for medical or financial problems, it’s often a very good idea to get multiple opinions before making your final decision, so don’t think this will be a total waste of time. Choosing the right insurance company isn’t something you can take lightly – it requires a lot of research. You need to see how long a company has been around, find out if there are many (or any) settlements against them and check out rates, premiums and more, just for starters.

It isn’t always the case, but you can usually count on getting lower rates from larger insurance companies. If you think of these companies as something along the line of a risk pool, which isn’t far from what they are, then it makes sense that more people paying into a company and covering the risks of other members would make rates lower for everyone in the pool. Again, this isn’t always the case, but this is something you should be looking for, especially if you’re shopping for a must have like health insurance, which is generally the most expensive type of insurance you can buy.

If you’re looking for something more specialized, then you will want to do more research into whatever company it is you’re thinking of signing on with. Many insurance companies which carry various types of insurance will offer better rates on some types than other companies, with worse rates on some types as well. This is where shopping around really helps a lot. Sport accident insurance is one example of something you should definitely shop around for before buying. This is a real niche kind of insurance and so shouldn’t be very expensive anyhow, but money saved is money earned.

Speaking of niche insurance, hunting insurance is another sort of insurance which isn’t as widely purchased or used as insurance types like health, dental or vision. However, due to the risk of injury which comes along with hunting (whether from an animal, another hunter or even the policy holder himself), some of these policies can be pretty expensive. Risk of injury, damage or loss is another major factor to consider when shopping for insurance. It’s something companies will consider when determining your rates too, so don’t fail to keep this in mind.

In the end, you need to consider your specific needs, your risks, liabilities, possibilities of being injured or suffering from a loss and your wanted level of security when you’re shopping for insurance. These and other factors are all considered by companies selling policies as well. It can take some time to take stock of all these different points, but if you want to be a conscientious buyer then this is something you just have to do – there’s no choice about it. If you had money to burn, you probably wouldn’t be shopping for insurance in the first place, right?

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Rifle Scope Insurance

Dec 12, 14 Rifle Scope Insurance

In many cases (and practically every case when dealing with high-end equipment) the scope on a rifle is the most expensive piece of the gun, often worth much more than the actual rifle itself. The problem with this is, even the best scopes can fall prey to simple mistakes – a gun being dropped, or slipping and falling once leaned up against a tree, or whatever else. They are high precision pieces of gear and getting knocked around and dropped like this can have bad consequences, up to the scope’s destruction. Because of their high cost and fragile nature, some rifle scopes should really be insured.

Like glasses, rifle scopes are made from multiple lenses. Unlike glasses however, rifle scopes have many more parts, some of which move, and little dents and dings can have serious, adverse effects on their performance compared to dropping a pair of glasses. For a CRITICAL HUNTING advantage you need a decent scope and if you’re willing to invest hundreds or even thousands of dollars on such a piece of technology, you can surely afford a miniscule amount more to keep it insured against damage, loss, theft and other concerns.

It might not be something you want to think about, but because high-end rifle scopes are so inherently expensive, they are also attractive items for thieves, burglars and the like. They can actually be much easier to unload than a box full of personalized jewelry or other items which could easily be traced and found out to be stolen, so the possibility of having your scope stolen is realer than you might imagine. Still, it’s much more likely you’ll lose your scope or damage it beyond the point of function than it is that your scope would be stolen from you. Consider your specific needs and insure accordingly.

If you’re an avid hunter, you might not want to stop with just your rifle scope. If you use a trail camera, for instance, that could also be worth insuring; look here for reviews. Tree stands, side arms, ammunition and other, related hunting goods all have value too. Again, it’s up to you to consider how much insurance you need and whether or not you want to protect the things you have, or if you even need to protect those things, and then to try and find a suitable policy for you, specifically. Don’t even bother with those free quotes that don’t take into account your personal situation, because they’ll never be accurate.

You shouldn’t pay for insurance quotes in any case, but I’ve seen several companies offering quotes to try and lure in buyers and the quotes don’t ask enough questions or gather enough information to make them reliable. It’s probably going to take many hours of phone calls, consultations and quotes before you find the perfect insurance company for your guns, accessories and other hunting goods, but once you do, you’ll be glad you put the time in. Double that if something bad does actually happen and you end up calling on that quality policy to replace or repair your equipment.

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Ways to Save on Motorcycle Insurance

Dec 11, 14 Ways to Save on Motorcycle Insurance

There’s something that feels so free about having the wind rip through your hair as you speed down a stretch of asphalt with nothing between you and the world except for the clothes you’re wearing. Motorcycles are just fun to ride and for some people, the act is one of liberation, freeing them from the regular and adding a little excitement to their lives. However, motorcycling is also relatively more dangerous than operating any other motor vehicle – they’re plenty of fun but by far the least safe way to get around and this naturally has an adverse effect on insurance for motorcyclists.

First and foremost, you can save a lot of money on your motorcycle insurance by regularly wearing a helmet. In some states the law actually requires riders to wear a helmet, so this practice won’t have as strong an effect in places like, say, Wisconsin. But in other states where it isn’t a requirement, you can use a helmet to your advantage to help reduce your monthly premiums. Besides, why wouldn’t you wear a helmet? I mean, I understand the wind through the hair thing – I’m the one who said it – but riding on a long stretch of clear road is a lot different from taking your motorcycle on a freeway or highway.

awesome motorcycle needs awesome insurance

Besides a helmet, other safety equipment can help to cut down your motorcycle insurance rates. You can find items like these at places like this, even if the website focuses on helmets specifically. There are things like jackets, riding pants, pads and other gear which can help to reduce your chances of suffering serious injury in a crash, which can in turn help reduce the amount you need to pay every month to maintain coverage. These discounts will only go so far though – you’ll need to look at other ways to save on motorcycle insurance once you’ve exhausted this option.

For one, you could try adding your motorcycle insurance to a number of other policies you might have from a single company. Many insurers offer discounts for customers that get their home, auto and other items or health concerns insured all through the same individual company. If your insurer is one of these, you can go ahead and call to ask how much you might save getting your motorcycle insured with them, rather than getting it an individual policy from another company altogether. These savings could be substantial, so don’t ignore this step.

Just like cars, motorcycles can cost more to insure if you live in dangerous areas, or neighborhoods which are known for being places where cars, trucks and bikes are stolen. What can you really do to combat this besides moving? Well, you don’t have to move your whole household – just your bike. You could store it in another location where rates would be lower and save some money that way, but only if those savings would be enough to cover the costs of the extra traveling and time you would need to spend going back and forth between your home and your bike. Only you know if this would be worthwhile.

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More About Insuring Musical Instruments

Dec 10, 14 More About Insuring Musical Instruments

Just because you don’t own some amazingly rare piece of work like a Stradivarius violin doesn’t mean you shouldn’t still consider insuring your musical instrument, or instruments. I may not have to explain this to some of you, but when you handle an instrument for so long, you kind of get attached to it; you learn the ins and outs, where it excels, where it lags and precisely how to play it to get the best performance out of it. The same could be said of motor vehicles, computers, beds and a horde of other consumer goods as well, but we’re going to talk about instruments here.

Even with the best kind of care, regular cleaning and fine tuning, every musical instrument is going to break down, sooner or later. Things get full of spit, or rust, or fall apart; it’s just something that happens. With inferior instruments, you might chalk this up to poor craftsmanship, and you might just be right. But these things happen to the finest instruments you can find, as well. I did mention Stradivarius violins before but those are really one of a kind, unique instruments nobody produced before or since those times. That’s just the way it is and that’s a great reason you should get your instrument insured.

As far as starting off with a high-quality instrument, that’s up to you as a consumer to shop around and find something worth your money before you make a purchase. You could check out for all kinds of information about trumpets, if that’s what you’re into. There are websites for other musical instruments too, as well as guides on how to rate the appearance, handling, sound and other aspects of musical instruments. This all requires extensive research and as the old adage goes, an informed consumer is a happy consumer. Just make sure that information is accurate!

Speaking of older violins, the age of your musical instrument will also have a pretty significant bearing on insurance rates for the instrument. Older instruments are harder to come by, but that doesn’t necessarily mean they will cost more to insure. In this respect, it’s probably best to think of old instruments like old cars – the vast majority will cost much less to insure than more modern stuff, but there are exceptions to this just like there are exceptions to most other rules. To put it plainly, if your instrument is an oldie but a goodie, it will cost more to keep safe than one which is just old.

As for finding a policy, you can just check with whatever insurer you’re already using for health, dental, automotive or other insurance types. If you don’t have policies for any of these things, then you might want to reconsider whether you really need one for your musical instrument of choice right at this moment, rather than filling some other much more vital insurance gap in your life. Some agencies specialize in musical instruments and might offer better rates than your current company too. It all comes down to doing some research.

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Sport Gear Insurance

Dec 09, 14 Sport Gear Insurance

Some sports equipment is relatively cheap and easy to replace if it gets damaged or lost; items like baseballs, basketballs, footballs and other sports balls come to mind here. Other gear, such as grappling dummies, is very costly to begin with and expensive to replace down the line as well. Speaking specifically of grappling dummies, the idea behind them is for the user to punch, kick and otherwise strike the dummy instead of another person and so many dummies are the target of more violence and trauma than any other type of sporting good. Because of this, it’s especially important to insure these items.

hockey equipmentMost sports utilize more than just balls – safety equipment like pads, plates, armor and other items can cost much more than sports balls too. Hockey players have a lot of gear compared to players from practically every other sport and you’d be surprised how well acquainted most hockey enthusiasts are with keeping their protective gear protected with a solid policy. Likewise, items like hockey sticks, lacrosse sticks, tennis racquets and other sports goods are typically more likely to be damaged or broken then things like chest plates or helmets. This will be calculated in any insurance policy premiums.

None of these items really take the same amount of punishment as a grappling dummies (look for examples here: These things get punched, kicked, maybe even hit with an occasional head butt, all in the name of increasing the user’s physical strength, endurance and accuracy when trying to land a blow. These things take the kind of punishment you might expect to see given to a professional Brazilian jiu-jitsu fighter, or any other hands-on combatant for that matter. I’m talking about broken noses, bloodies lips, torn muscles, the works; while these dummies don’t have all the internal workings of a person, they still don’t wear well.

That said, if you thought other items were expensive to insure, you will invariably be surprised at how much it can cost to keep a training dummy under a decent policy. You might be tempted to instead buy multiple dummies and just forget about the insurance. This would be a mistake though. It’s not as if that kind of crippling damage will occur after one good session with a dummy, like it might after one good fight between two actual people. It would take months, or possibly even years of regular usage before such a dummy broke down and needed to be replaced.

Again, that’s with casual use – like someone working out at home and punching the dummy once in a while. The life expectancy for a training dummy could be much less if it were, say, at a gym, where dozens or even hundreds of people might regularly beat on it. Just keep the risks, the costs and your specific needs in mind when shopping for sports equipment insurance, like you do with health, vision, dental, life and other insurance types, and you should be just fine. Never buy more than you need and never short yourself on coverage.

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Choosing Insurance for Your Boxing Club

Sep 20, 14 Choosing Insurance for Your Boxing Club

Owning a boxing or weight lifting gym can be an awarding occupation; but starting up your business can be challenging and will take a lot of research. Selecting the perfect insurance plan for your company is important because you want your business to be protected at all costs. Insurance can be expensive, so you want to make sure you research the types of insurance you will need and weigh out all of your options. Here is a list of types of insurance offered for Boxing Clubs:

Public Liability Insurance

Public Liability Insurance covers you for any claim stating you or your business caused a third party bodily injury or property damage. Even though Public Liability may not be a legal requirement for some sports clubs, it is highly recommended to have for your facility. You want to make sure you understand the details of your Public Liability policy. Some have specific restrictions for covering players, members, and for different types of activities.

Products Liability Insurance

Product Liability coverage protects your business from any claims that products you supplied caused an outside party any harm or damage. This policy is important to have because even if you did not manufacture the product, the claim will be directed towards the supplier of the product. The cost of this type of insurance varies greatly by what type of products you sell, county origin, and your turnover rate. In any case, be sure that you have high quality boxing equipment, as it would prevent your clients from getting harmed.

Kit and Equipment Insurance

Should you ever suffer a loss of equipment at your facility, this policy covers the replacement or repair of the damaged materials. Events such as theft, flood, fire, and wind could cause damage to your equipment.

Examples of equipment covered by this policy are:

  • Office equipment
  • Trophies and medals
  • Sports equipment
  • Training and Team Kit equipment

You can research different types of Kit and Equipment policies that will allow you to read more about boxing club equipment that is protected and also provide a weight lifting equipment guide to give you an idea of common equipment used for your type of business.

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Fitness Holiday Insurance

Sep 19, 14 Fitness Holiday Insurance

Fitness holiday insurance is the type of insurance, which provides coverage for loss or harm, in situations when someone is on fitness holiday travel.

Imagine you are travelling, siping your protein milkshake after the hard workout, and then it happens. You can never predict what might happen in the next moment, thus it is wise to insure yourself.

Everyone wants to have something different from holiday at a time of traveling. Different people love different activities including lounging by the pool for some days, sunbathing, reading books, and chilling out.

If you want to relax in need of fitness, holiday insurance can help you do that in an efficient way, by covering you the costs in case of unexpected incidents. When you are on holiday, you may want to think about the cost of your holiday, how much your belongings are worth, and how frequently you travel. There are different holiday insurance companies which offer various opportunities on the basis of conditions or laws.

It is important to choose the right holiday insurance policy for your traveling, including annual and single trip holiday insurance, family, business trips, winter sports cover and insurance for backpackers in need of fitness. As a result you may read our holiday insurance guides to assure of your policy that provides sufficient cover for you and your belongings.

You should understand how different holiday insurance companies operate and how your personal circumstances and holiday plans affect the cost you have to pay. This guide is to learn how to do lower your premiums and compare the market to find out the best holiday insurance quotes.

Holiday insurance policies are easy to buy while traveling in need of fitness. There are some reasons why you need these insurance policies, which are given in the following.

  • Get coverage: By having holiday insurance policy you can get coverage for any loss or unexpected herm in case of overseas medical, evacuation, baggage and a range of adventure sports.
  • Save money:while traveling, saving money is very important issue when you are not sure of your unexpected costs. If you consider holiday insurance policy, it can help you save your money.
  • Get help when you need: Holiday insurance can assure you of any help when you need. We all aren’t sure what can happen in traveling, whether we need help or not. If you have that you can be sure of any help.

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Insurance for Fitness Instructors

Sep 18, 14 Insurance for Fitness Instructors

Insurance for fitness instructors has become very essential nowadays. Especially for those who are new to this career. You have worked hard to be a professional fitness trainer in some kind of sport, like Crossfit, but it takes only one incident to ruin your career. One single incident can put all of your hard work in jeopardy. To protect your business and more importantly yourself, you should consider getting insurance for fitness trainers. Because this insurance will help u when u are injured, or even sued for injury or damages.


Before start working with a client, one should have insurance. Because you need to be covered in case of any accidents such as falls, slips, other kinds of possible injuries while working with the client in your gym, client’s house or office. Besides in fitness training different kinds of instruments are used. So accidents can happen. If you are a new fitness trainer then it is very natural that you might face injuries to yourself, to your client’s. So if you do not want to end up with lawsuit on your ass where you are sued for thousands of dollars.


This kind of liability insurance is designed for:

  1. Personal trainers
  2. Sport related coaches
  3. Sports professionals
  4. Athletic trainers
  5. Gym instructors, etc.


Liability insurance normally covers any kind of body injuries to yourself and to your clients, property damages caused by your fitness instruction activities. Normally, such policies also pay for any wrongful acts such as molestation, sexual harassments, negligence, error, omission, and misleading statement for discharging any client.

Many insurance policies will not pay any compensation, if accidents occur in premises which means in private places of your clients. Policies even do not consider injuries where you are not defined as fitness instructor or you are not in any kind of contract with your clients.

So you must be careful choosing liability insurance with insurance company.


For liability insurance you must be 18 years of old. Otherwise, no insurance company will make any deal with you. Instructor’s employment as an exempt will not be count for this insurance. If you are an employee of school, college or university then you will not be eligible for liability insurance.


To get a suitable job in any respectable club, gym you must have liability insurance. Otherwise, they will not even count you and you will miss your chance in the very first. Liability insurance is must for a professional fitness instructor.

Companies do provide one month of free liability insurance primarily to inspire trainers. There is eventually one year and two year liability policy mainly for fitness trainers.

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