Liability Insurance

Liability Insurance In Magic Shows Is An Asset

The good old United States of America, whether you admit it or not, is a severely litigation-obsessed society. Basically, anyone in this country stands a chance to be sued for any or whatsoever act that is proven to be his or her fault. Arm chair sociologists call it simply as the deep pocket syndrome.

When one is doing public shows, especially the ones that deal with magic, the very best thing anyone could do to stay in the safe side is to buy an insurance for your act. It is not an option. It is a need for goodness sake.

One of the good insurance that some entertainers have had a one million dollar liability. It came from an agent from the Farmers Insurance Group.

Having an insurance is like having a fire extinguisher. It is so much better to have one than not have it at all. You feel safe, protected and covered. One million dollar tops and is quite enough to give you a sleep-heavy night and a wake-up-fresh morning.

It has been said that the Society of American Magicians has the kind of insurance of this type. It is very important that you get an insurance. If you have one or if you are planning to purchase one, make sure that the insurance policy you have a product clause.

This works well just in case you use balloons for your act, or birds for that matter. If one of the audience members happen to take it home with them and they accidentally choke on the balloon or get bitten by the bird, you have nothing to worry about because you are definitely covered.

For your information also, if you have performer’s insurance and you happen to perform a magic act while you were not in your costume, most likely you are not covered.

If you have liability insurance and while you are performing, a child insists that he or she wants to touch or to have one of your props, make sure that you make it clear and known to everyone concerned – as they may be potential witnesses – that you are giving the prop or props to the parent. Hand it over to the parent. Doing so transfers the liability on the hands of the child’s parents.

There are also magic tricks performed by clowns. Currently, it is highly unadvisable – fortunately or unfortunately – for clowns or any performer to hug children or to get close enough unless it is to shake hands.

These days you really cannot be too careful. And being too careful is still the best way to go.

It is best that prior to doing a magic act or any public show for that matter, that you – as a performer – tell all the adults and children in the audience about some specific props that you might be distributing to them during the course of the show. If for example you will be using balloons, announce beforehand that children’s mouths and balloons do not mix.
Doing so keeps you from any liability and your audience safe from choking unnecessarily.

One performer has an existing one million dollar liability, it also includes five hundred thousand dollars worth of product liability. The insurance also covers any event wherein the performer and his or her employee is entertaining. However, it does not cover any contractors that are independent of the performer which the performer has hired. If the performer needed to hire someone outside, the performer always requested for an ‘additional insured’ from the insurance company.

Make sure though that once you get an insurance, that insurance company should be able and willing to give you a rider that will be able to cover you if in case you are working or need to work off premises and on a particular client’s house, business office, facility, or any other area that is different from where you regularly and usually work in. It is a standard item and there should not be that much fuss over it. Any good insurance company should be able to do it.

All you need to do is be persistent. It is an item that is almost always considered a standard on many insurance policies.  These same type of policies are in line with funding requirements foremost small business types.  For example, you can see more about how beauty salons require to right insurance, especially when applying for business loans for women.

peace-of-mind-car-insurance

Car Insurance Quote – Things To Know To Get Very Cheap Car Insurance And Quotes

Auto insurance premiums vary widely from state to state and even within states. The same person may find swings of as much as $700 on the cost of an annual policy. Insurance agents are not legally bound to tell a perspective customer about discounts which may apply to his/her insurance. There are, however, things the consumer can do which may lower the price paid for auto insurance.

Higher deductibles

The single quickest and easiest way to lower your insurance premium is to raise your premium. Having a $1000 or even a $1500 deductible can lower premiums 15 to 20 percent. If you decide to go this route, consider putting the money saved the first year into an account earmarked to pay the deductible should you have any accident.

Investigate auto records

Your driving record may be unblemished but the record of the car model you own can also have an affect on your premiums. Insurance copies compile extensive reports on the way cars respond in accidents and how popular certain cars are with thieves. Cars with poor crash test ratings and cars that are frequently stolen cost more to insure. When buying a new car use an auto buyer’s guide to compare crash test and theft rankings.

Use the same insurance company

If you have more than one vehicle insure all of them with the same company. Almost all insurance companies offer multi-car discounts. Many companies offer further discounts if you use any other products they offer such as homeowners insurance and life insurance.

Getting many quotes and comparing them is the best way to check pricing, coverage and save money.

And, don’t forget, the best way to lower your car insurance premium is to drive safely.

Please see our recommended sources for insurance quotes from multiple providers. We have done the research so you don’t have to.

rv insurance

Buying Montana RV Insurance

Buying an RV is one of the most fun and adventurous purchase you can make in terms of a vehicle. It allows you to get on the open road as quick as possible, and take all the essentials with you to make sure you are not only living life to the fullest but giving you and your family the enjoyment of a lifetime. Although RVs are extremely fun, they can also be dangerous if you do not know how to properly operate them. Fortunately, there is RV insurance that allows you to make sure you are covered if bad situations ever present themselves. RVs come in all shapes and sizes and there is no one-size-fits-all approach to affordable motorhome insurance and camper insurance. You need to be sure to shop around, be smart, and find the perfect quote and plan for your new motorhome.

Depending on the kind of RV insurance you get, there are different policies in place in terms of coverage. You can choose between total loss replacement coverage, campsite and vacation coverage, different kinds of expenses being covered during your trip, roadside assistance for your RV or motorhome, or even full-timer coverage if your RV happens to be the residence you reside in full time. There is a big different in purchasing camper insurance and motorhome insurance than that of car or boat insurance, for instance, and one that requires a lot of different research. The reason being is that RVs can also double as an actual home so they require a more intricate look when purchasing. Be sure not to leave yourself shorted or you may find RV insurance that does not cover much at all in the way of an actual mobile home.

The importance of your Montana RV insurance can not be misconstrued as it is one of the largest vehicles that a regular civilian can operate. It doubles as a home, meaning that you are spending anywhere from $20,000/$30,000 to upwards of $200,000/$250,000. This is the same price as an actual home and must be treated with the same amount of quality and attentiveness. Totaling an RV can not only be costly but can be detrimental if this is also the place you call your address. At the end of the day, all it takes is great research and purchasing the type of plan that covers you and everyone involved so that no one ever has to worry about anything like that again.

Getinsuronline.com helps you learn more about the who, what when, where and why of online insurance.

Liability Insurance

Online Insurance – Insights And Information

home-insuranceWhenever you’re thinking about a certain insurance, there’s one single thing that you have to do – get the quote directly online. You might be wondering about it, but yes, it’s possible, as many insurance companies have diversified their services and this is something that many of them have included in their portfolio.

This being said, let’s take one situation when you have a car and you need to look for a new insurance for it. You always have the possibility to go to an insurance broker, but looking for it online might give you some interesting results.

Let’s see some interesting things about online insurances – costs, the quotes and when you need them.


The Need

First of all, you need to have an insurance for your car – which is mandatory, for your house and for your business.  Many insurance quotes will be based on what your car is worth.  You can find what your car is worth on sites like KBB.  Those quotes may also depend on the year, make and model of the vehicle.  We have found that used cars billings mt are the lowest in the US to insure.  Car lots provide free information on insurance quotes and sometime pay your first year. The rest of the insurance types are optional, but it’s good to have them, just in case something bad happens. However, when you buy a new car or a new house, the law requires you to have an insurance made in your name, as you’re the new owner for that item.


The Costs

Depending on the type of insurance that you want, the costs will be different. However, it’s not just about the insurance company that offers it, but it’s also about the broker – if you choose to get one online, it will be cheaper, while at the broker, the price will be a little higher, as they have a commission for this type of service.


Getting the Quote

Online Insurance Exam Flash CardsNow, here comes the most interesting part – you don’t have to go to the broker to get the quotes for the insurance – you can do it directly online. It’s an easy process and you don’t have to be a computer whiz to see how much money you have to pay for the insurance you need.


First Step

First of all, you have to identify a website that offers online insurance quotes. All you have to do is look for these words and the search engine will definitely give you plenty of results to choose from. It’s good to chose among the top results, as those are the ones who are trusted by the clients and the sites are also relevant for your search.


Second Step

Once you’ve identified a website, you have the possibility to choose the type of insurance that you want – car insurance, house insurance, business insurance or even life insurance. Some web sites also allow you to make a combination of these, as they might offer you a discount if you choose more than one.


The Data

Now that you’ve chosen the type of insurance that you want, the web site will ask you some relevant information. For example, for a car, they will ask you to use the papers of the car, where you’ll find info about the type of the car, when it was made, when it was registered and so on, but also information about the owner (if you’re the owner, you’ll need the driving license to get information about when you’ve taken the exam for driving and so on).

If you’re looking to get an insurance for a house, the procedure might be similar – the web site will ask you information about the house – when it was built, what is the value and so on.


Online Auto Insurance QuotesThe Quote

Once you’ve done with filling all those details, the website will give you different online insurance quotes, from different insurance companies. This simulation it’s not contractual, so you don’t have to go further. The quotes are shown to you just to know what the price would be if you decide to go with any of the insurance companies – different people have different preferences, so you can choose anything you want.

However, if you decide to go further, you will have to choose one of them and select “next” or “go further” or “finish the order” and this formula can vary from site to site. They will send you the insurance at your chosen address and you have the possibility to pay online or when you receive the papers.