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A recent study released by the Insurance Bureau of Canada (IBC) suggests that 39 per cent of Canadians who operate a home-based business do not have insurance coverage that specifically addresses the special needs of a business. make money online

Are you in this group Consider commercial property and general liability coverage designed especially with your home-based business in mind.

Consider the scenario provided by the IBC s Know your stuff campaign designed to educate Canadians when it comes to home, car and business insurance. For those 39%--who do not have a beefed up home policy that includes coverage for their business, or a separate business insurance policy--the following is an adaptation of a scenario provided by the IBC, of what might happen if you assume your home insurance policy will cover your home-based business activities: internet business opportunity

Let s say, out of your home, you work as a retail products distributor (maybe you work for Tupperware or Mary Kay Cosmetics .) What you sell really doesn t matter; it could be cosmetics, household cleaning products, food storage containers, or candles. free money

Theft What if while you re out delivering your orders someone breaks into your car and steals the items you were to deliver The theft would not be covered under your auto insurance policy, because theft of contents from a vehicle is typically covered under your home or tenant s insurance. And it won t be covered through your home or tenant s insurance, because the product is related to a business your policy doesn t cover because your insurer didn t know you ran a business out of your home. Injury Now consider the courier company employee that comes to your home to deliver your product, or other business-related material. What if he or she slips and falls, suffers a terrible injury and sues you Will the liability portion of your home insurance policy protect you No. The injury was the direct result of a business-related activity and therefore, will not likely be covered under your personal home insurance policy. But that doesn t mean you won t have to pay. The courier employee can still pursue you for compensation through the courts. Without proper business liability insurance, you could be ruined financially if the courts find you legally liable for the courier s injuries.

And what if one of the products you sell causes injury to a consumer That consumer can sue the product manufacturer for compensation, but you would also be liable as the distributor. work at home business

Fire A house fire could also have devastating consequences for you. If everything related to the business is lost all your product, computer equipment, office furniture, records, etc. there s a chance none of it will be covered under your home insurance policy. What s more, if you have not disclosed the existence of the home-based business to your insurance company, your home insurance policy may be voided resulting in the potential that none of your loss will be covered. While some people don t realize their home insurer needs to know in advance that they run a business out of their home, there are others who think they re saving money by not doing so. All Canadians who operate a home-based business should have insurance that helps to protect everything you are working so hard to achieve; and that s where a commercial insurance policy can help.

While an extension on your home insurance policy to include your business is better then no coverage at all, it s kind of like trying to fit a square peg into a round hole. A business insurance policy that includes commercial property and general liability insurance is really the way to go. The policy, and how much and what it covers, is designed specifically with your home-based business in mind. free online affiliate program

Business insurance, like commercial property and general liability isn t just for businesses that operate out of a storefront; it s for home-based business owners too. In fact, perhaps it s more important for home-based business owners since this is after all where you lay your head down at night. auction coin money paper

Insurance tips to help you save when buying a home Buying a home These tips will help you save on the home and life insurance you ll need in order to protect your new purchase. Article Buying a new home is an exciting adventure, as well as an expensive endeavour. So let s look at tips that will help you save on the home and life insurance you ll need in order to protect your new purchase. Ask about discounts when getting home insurance Just like auto insurance, you may be eligible for discounts that will lower your home insurance premiums. Common discounts include the:

• Multi-line discount: Most companies offer this discount as an incentive to get your auto insurance business too. franchise business opportunity

• New home discount: Some insurance companies will offer a discount if your home is less than 10 years old. best free online affiliate

• Alarm discount: You could be eligible if your home is monitored by a centrally monitored approved security system. blogging money thebillivard

• Claims-free discount: Offered if you have you not had a home insurance claim in the last 6 years. best home based business

• Mortgage-free discount: Available if you have paid off your mortgage and now own your home outright. affiliate marketing program

While the availability of discounts will vary, asking about them could save you a significant amount of money. money site thebillivard com

Compare quotes from competing home insurance providers today. Explore your life insurance options If you re buying a home, chances are someone will suggest you buy life insurance usually mortgage life insurance or term life insurance. Doesn t really matter which, because life insurance is life insurance, right No way. Since you buy mortgage life insurance directly from your mortgage lender, it s convenient, but you re certainly paying a premium for that convenience.

Take a look at these comparisons for $250, 000 in coverage: For a couple aged Monthly bank mortgage insurance premiums* Term 10 monthly life rates** 30 $36.00 $24.53 35 $52.00 $28.13 40 $80.00 $36.00 45 $116.00 $49.95 50 $160.00 $73.35 Compare quotes from competing insurers for your term life insurance today. online business opportunity

Don t believe the myths about insurance premiums. Insurance premiums across insurance companies ARE NOT the same, and the quote you get from one company will not be the same as one you would get from another. Each insurer s rates are so unique to them it s safe to say no two are alike. Compare apples-to-apples while shopping When getting insurance quotes, make sure you re comparing like-products. For example, with home insurance include the same deductibles, coverages and limitations when getting your quotes. As for life insurance, you ll want to know if you re being quoted standard or preferred rates. Standard rates are the rates the majority of Canadians qualify for, while only about one third of the population is eligible for preferred rates. At comparisons sites like kanetix, you ll easily be able to compare apples-to-apples, and you ll know exactly what rates you re being quoted. Shop around Get insurance quotes instantly online. Through kanetix.ca s online quote comparison service you can get quotes from competing insurers for both your home insurance and life insurance - so the shopping is done for you! Compare insurance quotes today.

*Based on the information available in March 2008 from the websites of two major Canadian banks. **Best rates available for joint coverage (male and female non-smokers) in March 2008, using the kanetix s insurance shopping tool. Original rates shown in annual premiums. For comparison purposes, the annual rates are shown as their monthly equivalent. pay per click affiliate

Top ways to save on your motorcycle insurance. Compare motorcycle insurance quotes from competing motorcycle insurance companies today. Article With motorcycle riding season just around the corner, there s no better time to go over some of the top tips that will help you save money on your motorcycle insurance. But first let s debunk the most popular so-called money-saving tip, because: Cancelling your motorcycle policy at the end of the riding season will not save you money! Motorcycle insurance, in Canada, is seasonal and the premiums are seasonally adjusted. If you cancel the insurance for the winter you will not get any premium refunded. Now for the tips you can actually take to the bank. New rider Take a motorcycle training course If you re new to riding, then take an approved rider training course. Not only will you be a better rider for it, but you could be eligible for a discount that will lower your motorcycle insurance premium. Ride carefully It likely comes as no surprise that multiple tickets and accidents will increase how much you pay in motorcycle insurance coverage. Tickets affect your insurance rates for up to three years and accidents stay on your record for at least six! With a bad record, you can find yourself paying a lot of extra premium over the years. Equip your bike with an anti-theft device There are a wide range of anti-theft devices designed specifically for motorcycles and some insurance companies will offer you a discount if you have an approved one installed on your bike. Ride a bike that costs less to insure The type of bike you choose will affect your motorcycle insurance rate. For example, young riders may find that motorcycles designated as sport bikes can carry a premium surcharge (making it more expensive for coverage.) Also, avoid motorcycles that are attractive to thieves; a bike known to be a target will cost more to insure for sure. Other considerations Know that sometimes the engine size and the replacement cost of the bike are used as part of the calculation in determining your rate. It will likely be more expensive to insure a $25, 000 cruiser with an engine size of 1600 cc s (cubic centimeters) then it was to insure a $3, 000 scooter with a 50 cc engine size. Yes, this is an extreme example, and not always the case, but important to point out nonetheless. Insure all your motorcycles with the same insurer Most insurance companies offer a Multi-vehicle discount for customers who have more than one motorcycle to insure. Ask about other discounts you might be able to get In addition to multi-vehicle and anti-theft discounts, other common discounts include the:

• Age discount: A discount on your insurance as you pass certain age milestones. If available, the qualifying age differs from insurer to insurer. cnn money

• Motorcycle club discount: Available if you are a member of a motorcycle rider s club, like the CMA. business opportunity lead

While the availability of discounts will vary depending on your insurer, where you live and whether you meet the eligibility requirements, asking about them could save you significant money. affiliate program directory

Increase your deductibles Insurance was really meant to cover you for damages you could never afford on your own. So keeping in mind the value of your bike, raise them as high as you can afford knowing that the deductible is how much you ll have to cover if you need to submit a claim. On older bikes, consider dropping collision coverage If you have an older bike, you may want to think about dropping the collision coverage. You need to think about this one though and speak to your insurer, as you have to weigh the cost of the collision coverage with the value of your ride and your chosen deductibles. Motorcycle insurance rates vary across insurers Don t assume that the first quote you get is the best quote you ll get. Just like car insurance rates, each insurer s motorcycle insurance rates are so unique to them that it s safe to say that no two are alike. Get motorcycle insurance quotes to compare. Compare apples-to-apples while shopping When comparing rates, include the same coverages and limitations so you re comparing like rates. At comparison sites where you can actually compare competing rates side-by-side, they ll do this for you. Shop around Get quotes instantly online at kanetix.ca, because the only way to make sure you are getting the best price for your policy is to shop around for quotes from competing insurers. With www.kanetix.ca s online quote comparison service you get quotes from competing insurers instantly online - in real-time. Compare motorcycle insurance quotes from competing insurers today. Don t pay too much for travel insurance. Find out how to get the best deal for your next trip! Article Have you ever noticed when booking a vacation you re almost always offered the opportunity to buy travel insurance It doesn t matter if you re buying direct from the airline or through an online travel agent, you can easily tack on the price of the travel insurance premium to your trip purchase. It sure is convenient but is it a good deal A quick comparison of leading financial institutions, airlines and travel agents shows that often you re paying a hefty premium for this convenience. Take a look at the prices below for a basic emergency medical plan for a single traveller under age 30, travelling for 7 days with similar coverage: Basic Medical Plan* Kanetix.ca Financial Institution Airline Online Travel Agent

Single traveller under age 30, 7 day trip duration to a US destination $13.00 $24.00 $26.00 $26.25 making money program

If you take a look at family plans, the difference in price is even more startling:

Family of 4 including 2 adults over age 30 and 2 children under age 16, 7 day trip duration to a US destination $24.00 $48.00 $104.00 $105.00 work from home business

In no time, you can shop, compare and save Thanks to the Internet however, you can easily uncover the price discrepancies, for similar products, to see how much you re actually paying for that so-called opportunity. Why pay more than you have to Because, if it s about convenience and ease in getting covered, you ve got better options for getting the travel insurance you need at a better price. See if you can cut your travel insurance premium in half by comparing and buying travel insurance using the kanetix.ca travel insurance shopping service today!.

*The basic medical plan, and corresponding rate, was pulled from the websites of a major Canadian financial institution, airline, online travel agent, and kanetix.ca-an online quote comparison service. In each case, the lowest price is published and is accurate as of March 26, 2008, but may be subject to change at any time. internet marketing affiliate

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