February 9, 2012
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What you need to consider for covering your business

What you need to consider for ...

Many business owners rely on their personal insurance to cover their small businesses. It is, especially true of business owners, working at home. But health insurance is not designed to ...

How advantageous can be a suitable insurance company?

How advantageous can be a suit...

If you use any form of business, chances are you have some form of business insurance in place. It might be just the legal minimum, it could be any liability ...

As a business owner you need a business insurance

As a business owner you need a...

A woman enters the restaurant you own, and is triggered by a nail protruding from the floor. It sounds great, but a week later she is back with a lawyer ...

Home business requires a business insurance

Home business requires a busin...

There are so many aspects you must consider when you own a home business. Insurance could be something that you do not even have time to think. However, remember that ...

What’s a California Contractor’s License Bond

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Jayden AnglesNovember 25, 2011

A California contractors license bond is basically a promise made by a bond company to pay a claim made against a contractor for violating the terms of the Contractors State License Law. A license bond is different than contractors liability insurance California because you, as the contractor, have to pay the money back to the bond company. In California, the Contractors State License Board has the power to levy administrative, criminal, and civil sanctions against violators of the Contractors State License Law.

As a contractor, you should get a California contractors bond quote online because you never know when you may need the license bond.

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Tags: Bond, License Bond

Severson & Werson’s First Friday Program Continues

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Adam BarungaNovember 25, 2011

Living in the Real World:

The Severson & Werson Construction Group will share the lessons from one of our recent design professional cases, with a focus on contractual formation and failure, non-performing contractors, and job-site safety.

Event Info

Join us at our San Francisco Office

One Embarcadero Center, 26th Floor

December 2, 2011 from 12:00 p.m.

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Tags: Severson, Severson Werson’s

Top 10 hottest pet gifts to buy on Black Friday

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Nate SpofforthNovember 21, 2011

As pet lovers and pet insurance enthusiasts, you’re probably planning to get your kitty or dog a little something for the holidays. But did you know that over 50% of pet owners in the US will buy presents for their pets this year? The average family allots just under $50 to purchase toys, treats and food, bedding, clothing, grooming products and leashes and harnesses for their pets during the holidays. With Black Friday just around the corner, I’ve compiled a list of the top ten most awesome and unique pet products that for the dog or cat that has it all!

1. Pet

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Tags: Buy, Gifts Buy

Why I Sell Life Insurance

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Jayden AnglesNovember 17, 2011

Life insurance agents and brokers hope their clients will never need the term insurance policies they purchased.  I dont know of many sales jobs in which the sales person prefers their clients dont use the product they sold them.

Yesterday, once again I was reminded why I choose to sell life insurance.  We received a call from one of our clients beneficiaries that our client passed away.  She was inquiring about how to file a claim.  It is never an easy conversation for me, but knowing that the life insurance policy my client purchased from me is going to provide for his family for many years, helps me get through the call.

In this profession, its not difficult to get into the daily minutiae involved in selling life insurance policies from completing a mind-numbing amount of paperwork to working with sometimes-stubborn underwriters, etc.  On some days, one can get so wrapped up in these details that one can lose sight of why we do it.

Speaking to my clients recently-deceased wife and helping her navigate through the claims process, I remembered (again) why I sell life insurance.  Sure, I earn a good living and I get to speak with a lot of interesting people from all over the country.  However, it is knowing that I am helping my clients to financially protect their families futures that makes this a great a great occupation. 

Tags: Insurance, life insurance

Affluent Americans anxious, frustrated, acting on market worries

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Adam BarungaNovember 15, 2011

The number of market pessimists among Americas wealthy is slightly higher than optimists, according to a new survey.

Nearly half (47%) of the wealthy characterize the U.S. financial system as broken, while 84% believe the U.S. political system has serious flaws, the PNC Wealth Management survey found.

Pessimists (34%) now outnumber optimists (26%) when evaluating the prospects of their investment portfolios in the next six months.

The survey captures the anxiety and frustration of the economic and political environment that we are in, said Thomas P. Melcher, executive vice president and managing director of Hawthorn, the division of PNC Wealth Management that serves clients with $20 million or more in investable assets.

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Tags: Market, Market Worries

Does Insurance Cost More as You Get Older?

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adminNovember 12, 2011

It is a well-known fact that car insurance costs more for teenagers. Until you turn twenty-five you are considered a riskier driver, and so that twenty-fifth birthday offers you one more reason to celebrate in that you can now look forward to a lower premium on your automobile insurance. As you move into the middle stage of life where you marry and have children, your premiums will reflect you’re more stable, responsible life style, as well as your increasing experience behind the wheel.

Once you begin to progress into old age, however, some may wonder if that trend will reverse itself and you will begin to pay more for insurance. The good news is that as long as you remain a safe driver, which should not be the case. D Full Post…

Tags: automobile insurance

Drivers Can Avoid Winter Accidents if They Take the Right Precautions

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Nate SpofforthNovember 12, 2011

Winter is about a month and a half away so drivers need to be prepared. During the winter, many drivers encounter hazardous situations such as snow, ice, wind, fallen trees, and debris that can cause them to get into collisions. It is important to prepare in advance to avoid becoming a statistic.

When it is cold the tire pressure on your vehicle drops by more than one pound each hour that the car is not in a garaged area. This means that each driver should keep a tire pressure gauge in their vehicles glove compartment so that the tire pressure can be measured on a daily basis.

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Tags: Winter, Winter Accidents

What Would I Have Done Without My LTCI?

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Adam BarungaNovember 10, 2011

Donna was fortunate to follow in her sister’s footsteps. Her older sister had purchased a long-term care insurance policy, and although Donna was only 56, she thought getting the coverage was a good idea, too.

She also had experience with it. Her ailing aunt had made great use of her long-term care insurance policy, but because she had bought it at an advanced age—in her 80s, her premiums had been high.

Getting long-term care insurance at a younger age felt like a smart financial move, and it also helped put Donna’s mind at ease, given that she lived alone. She g

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