Car insurance companies are generally “kinder” to women drivers. This is because it is statistically proven that females practice more caution on the road as compared to their male counterparts. They are also involved in car accidents which are less serious in nature since they are not aggressive on the road.

So if you are a female driver and you are looking for a car insurance company to handle your needs, you have better chances of getting a lower monthly premium. Or, at the very least, you will be entitled to a discount.

Here are some tips for women who are looking for a car insurance company to sign-up with:

1. Ask around or search the Internet for “women-friendly” car insurance companies.

As a female driver, you are bound to get at least a 10% discount on car insurance premiums. There are even some establishments which specialize in offering car insurance services for women.

Talk to other women drivers and they will surely recommend a company that will best fit your needs.

2. When talking to a broker, give them a detailed description of your driving history. If you have never been involved in a car accident and your record is clean, you can negotiate for a lower monthly insurance premium.

However, if your driving history indicates an involvement in a car accident, either as a passenger or a driver, you will be offered a slightly higher amount. But you can still get the best rates possible in spite of a not-so-clean driving record.

Having an overview of your driving history should also give the broker an idea of the premium insurance costs that you can get.

3. Find out about your payment options. There are companies that offer a full or bi-annual payment on insurance premiums. Others even offer payments that can be made on an installment basis, so you might as well check these out, too.

It is not that easy to get a car insurance company especially if you are not familiar with the dealings on this industry.

Just remember that when dealing with insurance brokers specify your needs as a female driver and check out all the options that they can offer. Then you can decide which company it is that you would like to handle your car insurance needs.

Auto insurance refers to the insurance which is used for insuring automobiles against any kind of uncertain accidents that may cause damages to the vehicle. The main purpose that the insurance serves is by giving protection against the losses incurred due to accidents.

Auto insurance is a kind of insurance that consumers can buy to protect the lifespan of their vehicles and also for any kind of damages that the vehicle survives. They usually buy these insurances for all kinds of automobiles like cars, trucks and other kinds of vehicles. Different kinds of coverages are available under these insurance schemes, to suit the interest and the needs of the insured.

Before buying auto insurance, it is very important that the person goes for a thorough analysis of the proposals offered by different companies for such insurances. Different companies offer different quotes for the insurance of the vehicle, the consumer must lookout for the best one, which suits his needs and which proves to be very economical.

Many companies also give different discount schemes to attract more and more consumers. The consumer can save a good deal while purchasing auto insurance by comparing the quotes of different companies and choosing the cheapest one which satisfies all his needs.

Comparing the quotes of different companies on the internet, for buying insurance, provides a wider platform to the consumer, where he can compare quotes from several companies and choose one among them. The main thing about choosing a quote is that the quote need not necessarily be cheap but the company must be an established one on which the customer zeros on.

The consumer should not only compare the quotes of different companies but also companies, their reputation, and their way of service. While comparing, the consumer is more acquainted with the different kinds of coverages that are available and choose among them according to the needs.

Buying insurance online is the most popular way of buying insurance because it is really fast and convenient, which suits the busy life of people with no time to go to the companies personally and find out for themselves the things that he might with absolutely no labour can do by sitting in front of his computer. And the best part is that it is free of cost i.e., no cost is involved in gathering the quotes online from different companies.

 Auto insurances are needed because of the reckless accidents that are tolling high on the records. These can only be reduced once the certainty of the accidents is reduced. The companies quote their prices for insurance depending on various factors like the age of the person to whom the vehicle belongs, the location where the car is bought and supposed to be used in the area, and also many other factors.

The details regarding the car like where it is being parked, whether or not in a garage which is supposed to have less risk of being stolen also the mileage of the car is a deciding factor, if the car travels less than a specific limit of miles then such cars are likely to receive some kind of mileage discounts.

Home insurance is a type of insurance policy in which the home along with its contents and other possessions of the homeowner is insured against theft or accidents that may occur in that particular home.

Basically, the term home insurance includes the insurance structure for two different criteria’s. The insurance for the home and then the insurance for the contents of the house, that cover the household objects and as well as the other valuables. 

However, all insurance policies are not created alike, which makes it harder for the homeowners to decide which insurance policy will be better and cheaper for him. Usually, the premium paid and the level of protection offered by the insurance policy differs from policy to policy along with the premium and price.

Homeowners should take special care and should make complete research before concluding and deciding on which insurance policy to be undertaken by them.
There are steps available which would make the premium that the homeowner will have to pay, much less than what he would have had to pay, otherwise.

Insurance policies are usually undertaken by homeowners to make sure that they don’t ever run into financial losses and have to bear the brunt of it. Homeowners should try to seek a home policy which carries a low premium with it. The homeowners can come to take the benefit of it, only when they lower the risk associated with it.

Thus the homeowners should try to lower the risk associated with their home, in order to lower the risk for their insurance policy. Homeowners should make sure that they meet the security requirements of the insurance companies. They should fit locks and deadlocks at all the doors and windows, organize neighbourhood watch patrol, and make sure that they fix theft alarms by recognized fitters. If the homeowners take these few steps to secure their home, then they can get the premium reduced to their liking and benefits.

However, before making the security arrangements and using the security equipment, the homeowners should inquire whether the insurance companies would comply with the steps that the homeowners have taken to secure their homes.

Homeowners should also try to look out for different home insurers for the home and as well as for the contents of the home. Because, sometimes although the insurers charge low for the building insurance, they charge a high price for the contents of the home. Thus it would be beneficial for the homeowners to look and search for different insurance policies because their aim should be to avail the cheapest home insurance.


 Furthermore, the homeowners should themselves lookout for cheap insurance policies instead of depending on the money lenders to provide them with a scheme. They should themselves directly go and have a talk with the insurers or rather search in the web, which is very cost effective and as well as pretty fast. Moreover, homeowners can avail a discount of up to 25% if they register online.

Acquiring mortgage insurance is a wise decision to make.  Should anything unfortunate happen to you, your partner would be protected by having mortgage insurance.  The house would be paid for and your family’s financial security would be a little bit better off.  Or, if you have mortgage insurance that is triggered by your disability or being unable to work, then you and your spouse are both covered if something bad should happen.

Mortgage insurance actually is such a good idea that many mortgage companies, in fact, most of them, insist on it.  That is wise on the part of the mortgage company because it provides them with additional security, and makes it easier for them to justify loaning you the money for your mortgage.  From a business standpoint it really just makes sense both for you and for them.

Take, for example, the case of Mary Jones.  Mary and her husband Tom worked hard to get a down payment together to buy a home.  They had three children and Tom and Mary decided that they would both prefer that Mary stay home with the kids and quit her job.  Tom had a good job and a nice paycheck so it wasn’t a burden.  However, Tom was tragically killed in an auto crash.  This left Mary alone to support the family without an income.

Fortunately, Tom had adequate life insurance and he had mortgage insurance.  Mary received a check from the life insurance company large enough to support her and the kids until they were grown, and another check she used to pay off the mortgage on the home, from the mortgage insurance company, which took away the largest monthly debt she had to pay on and gave the family the security of actually owning the place where they lived.  They no longer had to worry about making the house payment.  The mortgage insurance took care of that for them.

Mary’s case isn’t unique.  Every year in America thousands of people depend on mortgage insurance when unexpected tragedy occurs.  Mortgage insurance looks like a burden to those who pay it until they think about the amount of protection it provides.

Mortgage insurance is one of those things that you are very glad to have when you finally need it.  Having mortgage insurance, for many families, has made all of the difference in security, in having a roof over their heads, and in knowing that their futures were secure.

Don't you think shaving nicks and toothaches hurt more than they should? While a nick will vanish in a couple of days, toothache will take your pocket for a spin before it goes away. Believe me, dental care is prohibitively expensive, but still a part of necessary health care and very important.

Here comes dental insurance. Not much in the past, it was considered a big company perk, dental insurance has today established itself as a must-have benefit. Even most small companies offer dental insurance today to recruit and retain workers. Dental coverage costs less than 10% of total medical coverage so its affordable and preventive procedures, like cleanings, ensure the overall health of employees, which means a decrease in sick time and increase in productivity.

Various dental insurance plans with numerous variations are available today. You should take proper care and time to consider all options.

Most expensive plans: Direct reimbursement plans

These plans are the most expensive of the lot. They operate by paying for employee dental coverage from a pool of money set aside by the company for this purpose.

The simplicity of this plan makes it the most effective, the reimbursement is made by a simple formula doing away with the complexity of co-payments, deductibles etc. Even though ADA strongly recommends this plan, this kind of direct dental care may not be affordable by smaller companies.

Least expensive plans: Managed care plans

Similar to a medical HMO, managed care dental plans need to pay for the treatment through regular co-payments and choose from a pool of dentists to get treated. These plans do various cost-control measures and can more affordable for small businesses.

The co-payment amount varies according to the procedure. Preventive procedures are usually performed without co-payment; however advanced procedures will bear higher co-payments.

The choice lies with the company and their financial managers, however great care is recommended in choosing the plan.

Dental Insurance

Does one need Dental Insurance? This question is asked by us in parlance with any kind of insurance. Well, insurance is a tool that offsets financial losses due to accidents or incidents or unforeseen circumstances. With this in view, insurance is always advocated but if one is young and healthy and doesn’t need to visit a dentist more than twice a year, dental insurance will not be a requirement, since the premium for such insurance may be more than the annual tooth maintenance bill.

People with a turbulent dental history are advised to purchase dental insurance or join a discounted dental plan for the simple reason that dental bills can turn out to be very steep. Millions of Americans are undergoing root canal and cavity procedures despite the fluoride in drinking water. Dental health in the USA has not been of a very high standard over the decades. Dental health depends upon a variety of factors including dental hygiene, stress, personal eating habits, nutrition etc.

The programs of dental coverage available are Indemnity Plans, Preferred Provider Plans, HMO Plans and Discount Plans.

Dental Indemnity Insurance Plans

These are normal, traditional insurance coverage plans where you get a percentage of your dental bills covered for a monthly fee or premium. Normally an indemnity plan covers 100% of preventive services, 80% of restoration services and 50% of major treatment like orthodontics.

Dental Preferred Provider Plans

These plans cost an average of $40 per month and give you highly discounted rates of dental procedures within the specified network. A few benefits are available outside the network also. These plans are regulated by state insurance departments and fall in the insurance category.

HMO Dental Insurance

These insurance plans are also known as capitation plans. They operate like Health Maintenance Organizations (HMO). These are also regulated by the state insurance department and cost of $20 - $40 a month.

Dental Discount Plans

Discount dental plans are like clubs where you get the best deals when you show your membership card. These are again network based. They give the best value to individual and family memberships. This membership is only purchasing a discounted access to a network dentist and is not considered insurance.

According to Swiss Re, one of the world's largest reinsurance companies, less than half of the UK population has any form of life insurance protection. They then go on to put a figure on the value of this protection gap. Using an average income of £20,000 and assuming that the value of protection needed ranges between 5 and 10 times income, they put a value on the protection gap at £2.3 trillion.
But in all probability, whilst the gap is huge, £2.3 trillion is likely to be somewhat overstated.

After all, there are people who are disqualified from having life cover due to their age - just over 1 in 5 are under 18 years old, the minimum for life cover, and 1 in 6 are effectively uninsurable as they're over 65. Then there's a raft of persons for whom life insurance is just not necessary. These are people aged between 18 and 65 who do not have dependents. Having said that, without doubt, there are still many families in the Swiss Re survey that have been correctly identified as desperately needing life insurance.

So if they need life insurance, why do they hold back? 
Undeniably there are still many people who have no understanding what life insurance provides and because they don't think about it, they don't care, and nothing ever gets done. After all, life insurance isn't a fun but - there's no enjoyable window-shopping or pleasure in owning it. The chances are that unless financial advisers sit down and talk to these, they'll remain totally uninterested and uninsured.
Newspaper reporting has given to the insurance industry also tends not to help.

The Sunday papers, in particular, are regularly full of stories about one family or another that has had a claim turned down. These stories make the headlines, as behind them there's invariably a poignant tale of personal tragedy and distress. It all gives the life industry a tarnished image and creates a feeling that they can't be trusted. In practice, when you read the stories, the reason for the claim being refused often comes down to the fact that the policyholder missed off some relevant information from their application form. Nevertheless, some refusals are clearly wrong and this undoubtedly damaging.

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Then there are those people who fully appreciate that they need life insurance but just can't be bothered or say they can't afford the premiums. More realistically, for many “can't afford” actually means, “I choose not to afford”. They might be happy to spend £100 at the pub each month but are unwilling to cut back a little to pay the premium that protects their family's future.

For sure, there is no disputing the fact that some life insurance applicants have found the final quote to be genuinely unaffordable. Whilst for the majority, cover at standard premiums is affordable, over the last seven years we've seen a huge rise in the number of people who have seen the proposed premium substantially increase once the insurer has looked at their application form. It's a result of the life companies making it harder for people to meet the company's definition of “healthy”. Seven years ago half as many applicants were seeing the price increased as a result of the insurance companies classifying them as an above average health risk.

Even a few years ago it was usually obvious who'd have difficulty getting insured at standard rates – people with heart or circulatory problems, former cancer suffers and diabetics for example. How the picture has now changed. Application forms are much more detailed and medical problems that were previously acceptable are now only acceptable with a higher premium. Take weight for example – these days insurers clamp down when they judge an applicant's weight to be a risk to their longer-term health. And it's not just obviously obese that attract the insurer's notice.

Companies are now using the Body Mass Index to identify weight problems. This is your weight divided by the square of your height. Most life companies now want a BMI of no more than 29, whereas previously up to 40 was acceptable. This means that a woman weighing 83 kilos and 1.66 meters tall will now face a higher premium.


The application process can also be put some people off. Whilst about 30% of people will receive an immediate decision, for others, the process can become one delay after another. As if a 14-page application were not enough, some people are being asked to complete more forms in addition to medical examinations. The whole process can take up to 9 weeks, sometimes even more, before the applicant finds out precisely how much their premium will be. If that premium works out more than they can afford, the applicant is often too tired of the whole process to start applying again to a new insurance company. The result is yet another family without life insurance.

Despite these problems, the life companies say that thanks to more sophisticated underwriting procedures, prices are lower today than they were a few years ago. The arrival of the Internet has also had a profound effect on prices. Around 10% of life insurance is bought online and discounting has become the norm. This too has helped more families to become insured.

However, in the author's view, it will take more than a decade to get people covered by life insurance above the 50% level.

The partnership has recently launched and will see the Group offering a wider selection of travel Insurance products with increased flexibility and competitive prices. As a result of the new venture, Budget expects to see a considerable increase in volumes for travel insurance, particularly from their customers who already hold car and home insurance policies.

The new travel insurance product will be available via a number of channels.  A significant proportion of new policies are expected to be sold online and the product has been given increased visibility on the website, http://www.budgetinsurance.com.

The new products will also allow Budget to offer an exciting range of added extras, for example – up to three under 18s are included free per insured adult, winter sports are included as standard in all annual policies and a range of hazardous sports are covered automatically in all policies.

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Will Price, Head of Product Development for the Budget Group of Companies said: “Travel insurance is an extremely competitive and growing market. InsureandGo are both specialist and innovative and can help us deliver a range of comprehensive products to meet our customer needs, at a competitive price.”

Perry Wilson, director of InsureandGo, said: “We are really delighted to be working with Budget as an affinity partner.  We are positive that with our low cost, high value cover now in place, Budget will quickly see rapid growth in this area of their business.”

Dealing With Your Auto Insurance Company 2018 |Disputes, especially when it comes to settling insurance claims, are not new scenarios. In fact, they take place every day. Just what causes these disputes? Well, one of the obvious reasons is most policyholders think that they deserve to be paid a larger settlement than what they receive. Second, claims are slow to process. And third, claims are denied.

There are various ways to deal with your auto insurance company. First, is the aggressive approach, which I am not encouraging since I am a peace-loving individual, and believe that everything should be settled in a peaceful and civilized manner. There are actually several peaceful options which a policyholder may undertake depending on the degree of an insurance dispute.

For cases wherein your insurance agent is unable to solve your problem, it is advised to get the name and then the phone number of your insurance company’s claims department. Afterwards, call the consumer complaint department and never hesitate to tell them your problem because they may be able to help you. And don’t forget to get the name of the person whom you talked with in the consumer complaint department.

READ ALSO: How to Buy The Best Auto Insurance In 2018
The next step is to send all documents to the consumer complaint department to back up your complaints. Send it to the person whom you talked with in the consumer complaint department. But be sure not to send the original copies of your documents. Have your documents photocopied because you need the original copies in case you have to take the matter to court.

Another option that you have is to ask for a reassessment of your claims from the appraisal service or the arbitration service of your insurance company. If the result still has not satisfied you there is always your own state’s insurance department that may be able to help you.

However, if you still feel that you have not been given a satisfying solution to your insurance problem you may call 1-800-942-4242 which is a toll-free consumer information service that is sponsored by the insurance industry. They have trained personnel that are available to assist and answer queries relating to various auto insurance complaints. They are available Monday to Friday, from 8:00 am to 8:00 pm.

ALSO READ: How to Get Discounts From Your Auto Insurance Company in 2018

Nevertheless, if you still feel that after you have applied all the above-mentioned options and yet you feel that you have not been given the appropriate solution you want, you can always take the matter to court. You can hire a lawyer, preferably one who is an expert in handling auto insurance cases.
There are many qualified lawyers out there who may be able to help you.

According to studies, insurance claims have a much better chance of being settled if it is done with the assistance of an auto insurance expert lawyer. This is because your auto insurance lawyer knows every minuscule detail there is to know regarding auto insurance claims. Protect your rights; hire an auto insurance lawyer to help you.

Less than 50% of the UK population has any form of life insurance cover, says Swiss Re, one of the largest insurance companies in the world. In their latest annual report, they estimate that £4.2 trillion worth of insurance cover is needed whereas only £1.8 trillion has been taken up. That leaves an insurance gap of £2.3 trillion.

But in all probability, the gap is not that large. Firstly, there are the people who are ruled out from having life insurance due to their age - just over 1 in 5 are under 18 years of age, the minimum for life insurance cover and 1 in 6 are over 65 and they're effectively uninsurable. Then there's a raft of single folks aged between 18 and 65 without dependents, and for whom life insurance is just not necessary. Having said that, without doubt, there are still many families who desperately need life insurance but who don't have cover.

Why do they hold back? 
There are still plenty of people who have no idea what life insurance does and because it's never top of their minds and they don't care, nothing ever gets done. After all life insurance isn't exactly a thrill to buy, there's no pleasurable window-shopping or sense of enjoyment about it. The likelihood is that unless a financial advisor sits down in front of these people and talks about life insurance, they'll remain totally uninsured and uninterested.

The media coverage is given to the insurance industry also tends not to help. The press is regularly full of stories about one company or another that has turned down a claim. These stories make headlines as behind them, there's always a sad story of personal tragedy and distress. It all gives the industry a tarnished image and creates a feeling that they can't be trusted.

Then there are those who realise life insurance is needed but just can't be bothered or say they can't afford it. More realistically, for many “can't afford” actually means, “I choose not to afford”. They might be happy to spend £2,000 a year on a 20 a day smoking routine but are unwilling to cut back to afford the monthly premium that protects their family's future.

Of course, there is no disputing the fact that some people will have applied for life cover and found the final premium truly unaffordable. Whilst for the majority, life insurance at normal rates is okay, over the last seven years we've seen a huge rise in the number of people who have seen the price substantially increased once the insurer has seen their application form. It's a result of the life insurance companies making it increasingly hard for people to meet the insurers' definition of “healthy”. Seven years ago half as many people were seeing their premiums increased as a result of the insurance companies rating them as an above average health risk.

Even three to four years ago it was pretty obvious who'd have trouble getting insured at normal rates – someone with a history of heart or circulatory problems, former cancer suffers and diabetics for example. How the situation has changed. Insurers' application forms are now much more detailed and health problems that were previously considered acceptable are now only accepted with increased premiums. Take your weight – insurers are clamping down when they judge a person's weight to be a risk to their longer-term health. And it's not just the obviously overweight that attracts the insurer's notice. Insurers are now using a measurement called the Body Mass Index to identify weight problems. This is a person weight divided by the square of their height. Insurers now want a BMI of no more than 29, whereas previously up to 40 was fine. This means that a woman weighing 83 kilos and 1.66 meters tall would now face higher premiums.

People can also be put off by the application process. Whilst about 30% of applicants will receive a decision almost straight away, for others the process can become one delay after another. As if a 16-page application form were not enough, some people are being faced with more forms to complete plus medical examinations. The whole process can take up to 8 weeks, even more, before the applicant knows precisely how much their premium will be. If that works out more than they can simply afford, they're often too fed up of the whole application process to start again with a new insurance company. That leaves yet another family without insurance.

Despite these problems, the life insurance companies claim that thanks to more sophisticated underwriting procedures, premiums are lower today than they were a few years ago. Furthermore, around 10% of life insurance is bought on the Internet where discounting has become the norm. This too has helped push average premiums down.

Nevertheless, in the author's view, it will take many years to get people covered by life insurance above the 50% mark.

Let’s face it an auto insurance company is a business that is created to make a profit and if we are not careful we might end up paying super high premium rates when we could have paid much lower premiums if we only did some research. How to Get Discounts From Your Auto Insurance Company 2018!

Here is a list that I hope will help car owners in lowering their premium rates:

• Safety devices against car thieves
Who would ever think that theft devices are valuable not only in guarding your car against thieves but also in lowering your premium? Theft devices come in various types. Some are automatic while some need to be manually operated. All these theft devices provide extra premium discounts. In some states, window sketching may also be a source of additional premium discounts.
• Multiple car discount
Let us say that you have two cars (for the sake of the illustration) that you want to insure with an auto insurance company. Usually, you have to pay separate premiums but did you know that you could actually save a great deal on the premium that you will be paying for your second car? How? Consult your insurance agent to help you.

HELPFUL ARTICLE: How to Buy The Best Auto Insurance In 2018

• Choose Yearly Renewable Auto Insurance Policies
Purchasing a yearly auto insurance policy will provide you with greater savings since the premium rate is fixed for one year compared to buying a six-month policy which changes rates every six months. If you purchase a six-month policy the premium you paid on your first semi-annual premium will not be the same as your second annual premium payment. So instead of saving, you tend to pay more for the same amount of benefits.
• Comprehensive storage coverage
The comprehensive storage coverage is ideal if you are thinking of storing your car for a period of time. It is a great savings idea to keep only the comprehensive coverage during the time you store your car since other coverage will not be required. A car in the garage is unlikely to get into a collision thus it will not require liability coverage.
• Mileage
The mileage that your car travels every day has a significant effect on the premium rate that you are to pay since the mileage will determine the particular class in which your car belongs. Each class has a different premium rate.
• Organization Affiliation
There are many auto insurance companies that offer a discount for being affiliated with certain organizations. These organizations may range from credit unions, college sororities and fraternities, or just having a certain credit card may also earn you a considerable discount on your premium. To be sure, call your service centre and ask them for a list of the organization affiliations that they accredit, the same goes with the credit cards.
• Defensive driving course
Some auto insurance companies provide considerable discounts simply by attending defensive driving courses. For more details just check with your state insurance commissioner or your insurance company to see if you qualify and also to inquire on their accredited driving centres.

What You Need to Know About Business Insurance 2018

Do you want to insure your business? Do you need a business insurance? or do you have any doubts about business insurance? There is no denying the fact that success of a business depends on the hard work of the team but one disaster can wipe out your efforts and bring down the profits to dust. So, to avoid such an instance, you need to insure your business, whether it is a small enterprise or a large corporation.

There are insurance companies, which have policies that combine protection for all major property and liability risks in one package. You can also opt for separate coverage. Such a policy is called a business owners’ policy (BOP). Larger companies may purchase a commercial package policy.
BOPs include property insurance for buildings and equipment owned by the company. If there is any loss of income due to disruption of operation and business because of accidents like fire, it can be covered under the Business Interruption Insurance.

ALSO READ: How to Buy The Best Auto Insurance In 2018

There are liabilities, which cover the company's legal responsibility for the harm it may cause to others. It is the result of your company’s failure to do the business operations. It can also be the bodily injury or property damage caused due to defective products, faulty installations and errors in the services provided.

However, BOPs don’t cover professional liability, auto insurance, worker’s compensation or health and disability insurance. Separate policies are needed for professional services, vehicles and employees. Generally, floods, earthquakes and terrorist attacks are not covered in the business insurance.

Protection Against Flood Damage
If your office is in the flood zone area, you must definitely go for a policy, which provides coverage against a flood. Try to find out whether the place had been hit by flood in the past. Make sure you do something in advance to make up for the loss. Otherwise, you may face a lot of difficulties.

Protection Against Earthquake Damage
Earthquake is also not included in most property insurance policies such as homeowners and business owners’ package policies. Special Earthquake Insurance Policy or Commercial Property Earthquake Endorsement can cover you if you live in an earthquake-prone area. However, earthquake policies have different deductibles.

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Business Interruption Insurance, which reimburses you for the lost income during a shutdown, applies only to the damage covered under your business property insurance policy. There won’t be reimbursement for the loss caused due to the closure of business because of the earthquake. For it, you must have an earthquake coverage policy.

Protection Against Terrorist Attack Losses
In the US, loss due to any terrorism is covered only for those businesses that have optional terrorism coverage. It comes under the Terrorism Risk Insurance Act of 2002. Still, there are exceptions in workers’ compensation, which include injuries and deaths due to acts of terrorism.