Skater & Longboard Accident Insurance

Skater & Longboard Accident Insurance

It is that weather for skaters and longboard enthusiasts to try out their new tricks and improve old ones outside at the local skate parks. While performing various maneuvers, you may come across a time where you will get hurt. Broken wrists, cracked ribs, and sprained ankles are not uncommon with skaters. Instead of hoping and praying you can afford your medical visits, it is of utmost importance to look into protection. Skater accident insurance can help cover your bills with a reasonable co-pay.

Make medical insurance a high priority and you will feel a sense of security and safety in almost no time. Whether it is only for fun or for a skating competition, skateboard associations are more than willing to help you get up to $25,000 of medical coverage. Recently, an announcement was made in terms of longboard users allowing them to take part of this wonderful protection. An excess medical insurance benefit of up to $25,000 would be greatly appreciated by many skateboarders, longboarders, and other protected skaters. No matter your skating level, there are policies in place that as long as your support these associations.

even longboard pros need insuranceA reduction of liability and exposure is shown in universities, skate parks, manufacturers, and other institutions and locations. Additionally, the skating associations can protect clinics and assigned events. Getting insured is very possible; however, there are some steps and tips to follow in order to avoid any insurance issues.

Community leaders, skate shops, skate parks, schools, and manufacturers can eschew any possible liability by following some rules. First, it is important to skate safely.  As a longboarder, you should consider buying a good quality longboard. Second, sign up as a silver member for the skater accident insurance. It is at least $30 yearly. For your club team, create a name for it and follow the rules and regulations of the skater organization. Be sure to follow traffic laws. Next, submit the necessary paperwork and promote the insurance policy while receiving approval. Every participant, that includes skaters and video/photo production, has to be covered by the policy. Register your skate club, team, or shop for a $100 yearly fee. If you face an accident, just send a report form to your insurance company.

In order to have full coverage, requirements are necessary to follow. Helmet use while skating is mandatory. Two witnesses must be present in order for the signatures on the accident report. The injury has to fit the time frames around the time you submit the form.

Coverage while participating in skating events are important if you want to be able to pay for an injuries that may occur. Injuries are common in this sport, so it is important to be proactive and sign up! Skater and longboard insurance doesn’t have to be a drag – fill out the required forms and you will have one less thing to worry about as you perform.

Be sure to ride safely and check out websites that specialize in long boards, you can navigate to this website for example, and see different long board types and brands.

Fitness Gym Instructor Insurance

Fitness Gym Instructor Insurance

Everyone is trying to get in shape, especially with the warmer weather and fun activities during the year.  That gym bod won’t magically appear without some sort of motivation and education. That is where fitness gym instructors come in.

Whether it is early in the morning or late at night, these busy bees want to have access to some exercise equipment to shred those few pounds or gain a few pounds of lean muscle on their body frames. While you as the fitness instructor are using the equipment, you want to make sure you are allowing your clients to have marvelous quality equipment in order to stay safe. That is why you need fitness gym instructor insurance.

Certified personal trainers, health coaches, and even group fitness instructors understand the importance of equipment that will not malfunction. The aegis of liability insurance helps in making sure you are not seen as negligent or unable to perform as a professional. Some policies are unable to give you the proper protection in terms of general and premises liability. That is necessary to avoid any legal disputes, or at least, acrimonious ones.

Here is a scenario: say you meet someone interested in your fitness services. One day, during a 1-mile jog on the treadmill, your client slips and falls. The client hit his head and now, his forehead is bleeding profusely. He may go as far as blaming you for the spill, and as a result, you are involved in a lawsuit saying that you were irresponsible and the main cause of the fall.  Without liability insurance, you would have to defend yourself in court. You may have to pay thousands as the result of avoiding paying any sort of protection in the first place. Unfortunately, these situations occur more than one would expect.

In order to improve your credibility and show straight-forward professionalism, an insurance ID card can help you show evidence that you are indeed protected by an insurance policy. The majority of independent contractors will not be permitted to work with clubs if no proof is provided.

Insurance rates vary, depending on the state and policy premiums. You have the option to have a 1-year policy or 2-year policy. That way, you will get the broad protection that you deserve.  Protecting yourself with liability insurance is a smart move on your part, and will allow your clientele to feel comfortable and safe while receiving your services.

Make sure you are sufficiently covered and learn more about the premiums. ACE-certified health and fitness professionals can receive special discounts and can be helped once contacting the insurance service provider based on the state they are working in. Liability, studio, and health insurance will give you what you need as gym instructors. Apply for coverage and you will see the enhancement from simply making sure you and your clients are highly satisfied through credibility.

Make the smart decision and become proactive. Avoid any possible legal labyrinths, or at least, make sure you exit as easily as you have entered.  Get insured today!

Weapon Madness

Weapon MadnessSo you want to buy a gun? The question is why do you think you need a gun? If you are a member of a shooting club, it’s perfectly understandable. If you are an amateur hunter, well, it’s not that acceptable anymore to go into the wild and shoot animals. Somebody is sure to take a picture of you and post it on Instagram or Facebook and before you know it, you have an email box full of hate mail. Having said that, it’s one of those ‘man things’ that he must hunt. Buying a gun should not be a ‘snap’ decision, but one that you consider carefully.

I wonder if the cost of insurance is higher for a gun-owner? It might be an idea to take out insurances on all the members of your family. There’re some tragic stories, mainly from the USA, about shooting accidents. In that country, it’s as easy as shopping at a supermarket to buy a gun. It seems the only apparent law there is that you MUST own a gun!

Let’s go back to that insurance statement. If that is a question on an insurance form, you would have to assume that question 21 is “Do you own a gun?” Then question 22 should be “Do you have a gun safe?” if you think it’s a good idea to purchase a weapon, then you should think it’s a better idea to have a safe place to store it. I have a couple of friends who are members of shooting clubs. They just go to the range every fortnight and kill a few targets. They have asked me a few times to join, but it’s just not my thing.

One of the guys is a classified sharpshooter while the other just likes the feeling of shooting a gun. They both have a rifle and a handgun. Both of them store their guns in a gun safe. The weapons they have are expensive. When you add the cost of bullets, shooting is not a low-cost sport, is it?

If they might need the gun in an emergency, a gun safe is not a very easy piece of equipment o access in a hurry. Maybe that’s the reason people get shot a lot in countries that allow unchecked gun possession. Here’s the problem. A burglar or a home invader, whoever, gets into your home. You want to stop that person. Do you think he will wait for you to dash out and unlock your gun safe? Hardly likely.

People say that they buy the gun for their protection and that of their families, but a responsible gun owner will have the weapons safely stored. It’s a bit of a conundrum, isn’t it? By the way, both my friends have a special insurance policy that covers them and any accidental shooting while they are transporting their guns and using them on the range. Did you know you can get an insurance policy for almost anything you like, so long as you can find an insurer.

The long and short of responsible domestic insurance

The long and short of responsible domestic insurancePart of being responsible means you have to be truthful whenever you make comments online. And whenever you have good intentions and mean well when you try to educate others and provide them with coherent advice on the best insurance products on the market these days or leave them with good, prudent financial, underwriting and risk management advice, you had better know what you are talking about. Other people’s lives, quite literally, depend on this. More importantly, before you start talking to the world out there, make sure you are properly vetted or certified to do so.

Be prepared to test the waters

And, as is the case here, make sure that you’ve been given the go-ahead to talk openly, but without bias and as professionally and responsibly as possible, when dispensing good and proper insurance advice. This post responds to all that has been mentioned in its erudite introduction by also offering something of a disclaimer with a first piece of very important advice. Don’t take everything we say here as gospel. Part of being responsible with your short-term and life insurance needs means testing the waters, if you will.

Be prepared to talk to more than one certified financial planner or independent, non-associated and unbiased insurance broker openly about your immediate needs. And if their credentials are in order and they are everything that their company prospectus says they are, chances are very good that you’ll be receiving the best financial and insurance advice that your personal and domestic budget allows for at this time.

We’d also like to share some thoughts on being proactive and responsible around the house. Your garden presentation says a lot about the responsible person you are and shows passersby just how much pride and care you take in your personal belongings.

Creatively show burglars you mean business

Now, we say this with tongue in cheek, but to all intents and purposes, we are quite serious about this thought. Your proactive actions and personal creativity in organizing the building of a garden-friendly wall around your home, also says a lot to potential burglars that you mean business to the point that they are obligated to think twice, a human condition they are not famous for adhering to if Scotland Yard’s statistics are anything to go by.

This website, which coincidently talks about how to utilize suitable pole saws for building burglar proof fences, or even beautiful picket fences, also resonates with the responsible and proactive line on effectively insuring your home through your very own risk management initiatives without waiting for underwriters of the colonial and legendary Lloyds order to tell you what to do.

Speaking of creativity, let us leave you with yet another stimulating and innovative thought.

Many of you, through personal choice or circumstance, remain unattached and not obligated to sign up for archaic life insurance policies. Vis-à-vis your financial planner, you are now well primed to be strategizing towards a tailor-made investment package that is going to provide for you well in the longer term around the time you are no longer able to do so on your own.

Dos and Donts of Insuring Tools

Dos and Donts of Insuring Tools

To avoid the loss, damage or destruction of valuable things, people often insure them. This provides a layer of protection beyond any warranties or guarantees, a layer which may provide for a new item if the insured one is stolen, or repairs if the insured item is damaged in some way. However, not every single thing needs to be insured. Crazy, right? You probably won’t hear this from many other insurers, but there are some items which just don’t warrant the costs and headaches involved with the whole insurance process. Specifically, tools come to mind.

That doesn’t mean some tools shouldn’t be insured, not at all. But there are some dos and donts when it comes to insuring tools which would be good to look at before you make that commitment. For instance, do you want to use said tools for simple jobs around the house, or will you be depending on them to make a living as a handyman or mechanic? In the former case, insurance probably isn’t necessary unless the tools are especially valuable. In the latter case, your tools are literally your living, so being able to quickly replace them if they are lost, damaged or stolen is of paramount importance.

Dos and Donts of Insuring ToolsNext, ask yourself if you will be the only one using the tools in question. If you treat your tools with respect and don’t push them hard enough to break them, then you basically are the insurance against them being damaged or destroyed. However, who can say what another person is really like? If you loan your tools out to other people, even friends, bad things can happen to those tools. They may not even come back, as is often the case when people borrow things and “forget” to return them. Even compact reciprocating saws might be worth insuring if there is a real risk they could disappear.

These concerns aren’t really unique to tools, either. These are things you should think about before insuring anything at all – weighing the risks involved with your item against the benefits a solid insurance policy can bring you in regards to them. There are some things which should always be insured, like homes. But even some vehicles can go without insurance, at least if you live in a place where insurance isn’t a requirement to drive. The house where you live is just worth so much more than the tools you use to maintain it. Get more news here about reciprocating saws and other tools.

Now that you’re a little more educated about the dos and donts of insuring tools, take some time to think about how valuable your tools really are and whether or not you should insure them. If you need those tools to make a living, you should probably keep them protected with a nice policy that offers speedy replacements or repairs. If the tools aren’t worth much to begin with, or you don’t often work with them, then the need to insure them is lessened significantly. It’s really up to you what you do in the end, and there’s no such thing as too much insurance if you can afford it.

Pool Insurance

While out-of-ground pools can be just as much fun for swimmers as those which are built into the earth, there is no comparison when it comes to price points. That is to say, if you have two pools which were alike in every way like dimensions, shapes and sizes, and the only difference between the two pools was being in or out of the ground, the in-ground pool would be the more expensive of the two options in 9 out of 10 cases. Maybe even more than 9 out of 10. There are a few good reasons for this price discrepancy too.

The main one is all of the extra work which goes into installing an in-ground pool versus an out-of-ground pool. With the latter, you just find a flat (or mostly flat) bit of earth, then clear out and rocks, sticks and other debris before you put down the pool. That’s it. It’s so easy most out-of-ground pool owners can install the pool without any professional help. In-ground pools require excavation, both for the pool itself as well as digging holes to feed pipes and drains through. The walls need to be thick and reinforced, which is again much more expensive than the out-of-ground pools.

The one place where in and out of ground pools don’t differ is their need for filtration. A chlorine tablet can do to keep the water clean, but it must still be run through some sort of filter to catch debris and any other foreign bodies that don’t get done in by the chlorine. Large pools of both types may occasionally use specialized ceramic filters which are inherently antimicrobial thanks to having no organic ingredients. You can find out more here about these filters, which are also used in large aquarium setups sometimes.

Because most large pools use the same type of filter for large water tanks, you don’t really pay more or less for insuring either type of pool over this particular aspect. That’s not to say there aren’t different filter systems for sizeable pools, but Canister Filter Guide is still a good resource if you’re looking for pool filters. Moving on, if you plan to use the pool during winter months, you’ll need to worry about heating elements to keep the water warm. These can be built into the ground, in the walls of an in-ground pool, or around the walls of an out-of-ground pool. Want to guess which is cheaper?

If you went with the out-of-ground heating option, you would be right again. Because there are so many different costs and insurance concerns to consider when trying safeguarding a pool, you should take care to get the right kind of pool in the first place. That way you don’t end up paying too much to keep it safe, so you end up having money left over for other things like toys, cleaning supplies, diving boards, ladders and other pool accessories. Regardless of the type of pool you go with, or whatever else it is you want to insure, one thing rings true: if you can afford it, you can afford to insure it.

More food for thought on how to secure your home

Perhaps it’s human nature, but people don’t always do what they are told or follow good advice. This does not necessarily mean that the recipient of wise counsel or expert advice may be stubborn or even reckless. His intentions then may have been rock-solid. For instance, previously, he may have been traumatized by great financial losses not of his own doing and caused by financial institutions of questionable values and fly by night maintenance men who also had a money making racket as their sole motive.

Fortunately, there is sufficient legislation in place to protect you, as a homeowner, from such dodgy arrangements. Insurance companies and registered house maintenance contractors and builders are required to follow laws which ultimately see to it that homeowners are adequately protected within reason.

Learn from the unfortunate experiences of others

More food for thought on how to secure your homeSecuring your home properly has a lot more to do with just purchasing the right tailor-made house-owners and house-holders insurance policies. It also has a lot to do with how well you maintain your house, from protecting your exterior walls with the right all-weather paint to making sure your basement has the correct sump pump in place to withstand and prevent flood damage.

has mentioned that the issue of water damage is quite serious. If you know of someone who has encountered such disasters in their home before, you will also learn that insurance companies and their underwriters are not at all pleased when policy holders do not follow their instructions or recommendations.

The consequences are dire, causing reckless homeowners to not being paid out fairly when such damage occurs or, worse still, losing their cover altogether. Let’s also just say that you don’t entirely trust the insurer you’ve been dealing with up to now. You could talk to your home loan originator or bank about recommending an independent financial planner and insurance broker about providing you with a service that is fair and impartial.

Let independent assessments convince you

More food for thought on how to secure your homeBut in any case, legislation seeing to this, service providers such as the Sump Pump Judge and your recommended or chosen insurance company are not going to be judging you at a stage when you are still trying to put together a good plan to secure your home and all its belongings lock, stock and barrel. We mentioned earlier that domestic specialists in insurance companies will avail themselves to you by putting together recommendations for you to follow. You don’t need to take their word as gospel, but an independent assessment (at extra cost to you) will show you that your insurance provider was right all along and, while covering their own financial costs, they had your best interests at heart.

These days too, you are even adequately covered against break-ins by following the recommendations given to you by your broker or insurer. The insurance package also includes twenty-four hour security patrols which will help prevent burglaries from happening, rather than reacting only afterwards as the case was in the past.

Keeping your kids safe against all odds and against all costs

Keeping your kids safe against all odds and against all costsFrom the day your first child is born you should already be making preparations to provide your child with a great future. This includes starting up a savings account which can be converted into a trust fund or college fund (or both) for when your child makes his or her first steps into adulthood. The world your child is likely to enter as an adult is likely to have far more challenges than you encountered when you came of age. This won’t be your child’s fault, and as a parent, giving him or her an early helping hand will go a long way towards ensuring that his or her adult life can be as promising as it should be.

Place your child in the right school at the right time

Growing up as a young adult, your child cannot be expected to prepare his or her way alone. Also, the first four or five years of any child’s life will always be critical. It can be successful provided, once again, you have made all the right preparations ahead of time. The child’s formative years include placing him or her in the right school when he or she is ready.

Generally, registered and certified day care centers have the right form of insurance cover in place to keep the children in their care safe. But, you as a parent cannot depend on this. So, be prepared to extend your life insurance covers to include your children for when they are out of your immediate care.

But while they are still in your care, your responsibilities go beyond an insurance contract. While driving them to and from school, you need to make sure that they are safely seated at all times. You can learn about purchasing the right convertible car seats for your small children by having a look at this website.

Always be responsible and proactive in your approach to parenting

Finding a proper lightweight convertible car seat for your child requires a responsible proactive approach from you as a parent. Simply ordering a seat online or purchasing the cheapest seat from your nearest retailer will not do. When buying a lightweight convertible seat for your child, make sure that you have tested it out on your child, much like you would do when fitting yourself with a new suit or one-piece dress.

Once you have all that you need to make sure everyone is safe while in transit, do not for a moment think that your work as a parent is now done. This lesson does not apply to driving alone. It applies to any area of your life whenever your small child is with you. Always make sure that you act responsibly as a parent and adult.

Let your child learn from the best, if you will. How you react to other adults will be noticed by your growing child. To close, one of the best lessons you can give your child is always to behave impeccably and treat others the way you would like to be treated in life.

How to cover your guests while they have a good time

By now, you all know that accidents happen. But these accidents tend to happen when you least expect them to. How is this possible? When you have thoroughly prepared yourself for all eventualities in as many ways as possible, you do lessen the chances of these accidents occurring. And even when they do occur on those rare occasions, usually due to any number of human fallibilities, the damage is at least minimal.

Like knocking your wife’s prized crystal vase over. Or worse, one of your raucous, inebriated guests doing the honors for you. This is nothing compared to swapping insurance details after a minor car accident.

Accidents are avoidable

Imagine the awkwardness at one of those rare celebrations where many old friends from far and wide have gathered together after how so ever long. The accident was avoidable but the damage was done and the surprise so intense that even the karaoke mike fell silent.

Speaking of which, you can use and other site ideas to help you plan your next big bash along with this extra bit of advice; plan well ahead of time on how to cover yourself and your guests while you all have a jolly good time.

Here’s just one unusual idea you may not have thought of before. Most householders’ policies will cover you for all eventualities, but coverage for parties is not one of those eventualities. Approach your insurance broker about tailoring a clearly-worded weekend contract which covers you for the accidental breakages we mentioned earlier as well as unexpected accidents to one of your guests.

Perhaps you still think this is not possible? It is. Short-term contracts of this nature are nothing unusual, particularly when there are prized assets in your home which could be very costly to replace if not adequately covered.

Gifts can be covered short-term too

Did you know that you can even cover gifts in this way? Again, talk to your broker about arranging the cover. Valentine’s Day is around the corner, and perhaps you are planning on buying your loved one expensive jewelry or a watch this time around. Cover can be arranged for the duration of leaving the store where you purchased the prized assets to the moment you enter your front door or your loved one places the item in his or her own home.

Invariably, you will be paying an additional premium for all of this, but in the event that such items are either lost or stolen, you will at least be covered and be able to claim for the unexpected loss.

Fortunately, markets also dictate that you as a consumer have as wide a choice to make when selecting a small karaoke machine set as recommended by Karaoke Island, or a tailor-made domestic insurance policy that includes clauses that cover the valuable items and inventories that aren’t specifically included in your annual coverage.

What you should know about boat insurance

paddle-812266_960_720My friend had just returned from a Kayak trip and was all agog about the things he had done on the trip. He had bought his kayak only recently at a great price with all the best features and was happy that he could use it so soon. He had called me specifically to enquire about the right insurance cover he could get for the kayak. He had been worried quite a few times during the trip about not having got the insurance for it. Insuring a boat you own is best done separately rather than as part of your homeowner’s policy.

Most often homeowner policies are restricted and cover risks related to specific marine related conditions like wreck removal, salvage work, environmental damage, etc. But you have certain exceptions. Most polices cover the smaller boats as well as motors that have a horsepower limit of up to 100. Though the cover provided by riders may be sufficient in such cases, you need to ask about the damages to your boat and the terms of payment.

Further, almost all homeowners’ riders apply for use in inland rivers, lakes and other waterways. The coverage does not extend to the beach or a coastal inlet. If you want to use your boat in such areas, you need to have a more comprehensive insurance.

Finding the right insurance

An insurer will consider offering a policy for your boat only when it meets certain criteria. Although any vessel will be insured for a specific sum, you should consider certain factors before you buy one that suits you. The age of the boat, its length, value, horsepower or speed are some of the main factors. The construction standards of the boat, and whether it conforms to the state regulation standards, should also be noted. The type of the boat is also a deciding factor as there are several types including utility, cruiser, inboard, fishing boat in saltwater, performance boat etc.  Boats without motor like kayaks, check out this site for more info, homemade boats also determine the insurance provided. The location where it operates and ownership also figure in the assessment.

Boat insurance types

Boat insurance is of two main types, namely, actual cash and agreed value. The deprecation present is the main differing factor between the two. The agreed value insurance policy covers based on the value of the boat, when the policy was bought. The depreciation is not accounted for in case of total loss of the vessel, although the upfront cost of this policy is more.

The actual cash type of policy is cheaper in comparison initially, but includes depreciation. It will take into account the value of the boat at the time of loss only. When your boat is aged, the actual value policy will be insisted by the insurer and it saves you more money mostly.

Whether it is a kayak or a bigger type of boat you own, having a proper insurance cover is always necessary and in most cases is beneficial to you. Some of the typical exclusions you should know about include marring, wear and tear, animal damage, denting, ice and freezing, design defects and manufacturer defects. In such cases, you may need additional cover.