Office Insurance

Brighten Your Home For Spring With The Following 10 Tips

Spring is a sign of renewal in many areas of our lives, and our homes are no different! There is something energizing and refreshing about bringing that bright, airy feeling of Spring into your home. Here are the 10 best ways to spruce up and revitalize your rooms, on a dime!

1.Add white! White with your present color scheme will both cool and brighten, adding the freshness that only white can! If your room colors tend toward the warm side, such as yellows, browns, or reds…then choose creamier white such as ecru or ivory. If you have cooler colors in your room, such as greens and blues, go with the brighter, cleaner whites.

2.Try painting your focal wall, (that is, the one most seen) in a sunnier, brighter, or lighter shade of your current wall color. It will add lightness to the room without drastically changing the whole scheme. Don’t worry, you can always go back to that rich red in the fall, but how about a little petal pink, or sky blue? Remember, its only paint, its cheap!

3.Add a floral print fabric to your room. Using the primary colors already in your room, visit your fabric store and pick out a floral fabric you love with at least one of those primary colors in it. (The more, the better, but don’t feel you must have every color in the room also in the fabric!) Use that floral fabric to make table scarves, placemats, pillow covers, and simple seat cushion covers. Pair it with a solid fabric color already in the room, and you have a custom coordinated look, for just a few dollars and some simple straight sewing!

4.Pick up some pretty colored glassware from the dollar shop, and display it where the sun will light it up! You could even use clear glassware, and fill it with colored water to coordinate with the room. Use your glassware as vases, pencil holders, or candy dishes, but make sure it is seen! Glass sparkles and adds a bit of sunshine to a room.

5.Take down your curtains, and just leave your mini blinds underneath. Don’t leave it bare, though, we don’t want boring! Swag some dried or silk flowers over the top of the blinds, or use some muslin to twist around a curtain rod for an informal but airy valance. (No sew!)

6.Keep your windows sparkling clean. Dirty windows cut down on a surprising amount of light, and make a room look dull. As a bonus, clean windows mean more sparkling glass, and that makes room feel larger and brighter!

7.Pot up some pansies from the garden center and use them indoors as houseplants. They are cheap, easy, and add flowers to a room without the cost of replacing floral arrangements every week! You can even coordinate the flower color to the color scheme of the room. Don’t match the colors, just pick something complementary.

8.Clear most of the artwork and accessories out of your room, and just keep a few larger, simpler pieces. It declutters the room, and helps to put the focus on the freshness of a room. Consider picking up a white lattice from the garden center, and hang it on the wall as a focal point. Place a potted plant in front of it, or hang small framed garden catalog prints from it. Let it be a reminder of the outdoors all season long!

9.Use a stencil or a stamp to add floral and nature motifs to your room for very little money. Stencil vines around windows and doors, hand paint seasonal sayings over doorways with a paint pen, or stamp a floral bouquet on the front of cupboard doors. You can always paint over those small areas with touch up paint in the fall. (Or you might love them so much, they stay year round!)

10.Finally, don’t forget your entry area when you are creating that spring glow all around your home. Remember, your entries are a visitors first impression of your home! Add a pot of pansies on the porch, paint your entry a fresh spring color, and hang a handmade wreath or a basket of flowers on the front door.

All these ideas take very little time, little or no money, and do wonders for your spirit and the spirit of those who you love. Take a little time to brighten your lives!

via Brighten Your Home For Spring With The Following 10 Tips.

Spring Maintenance Tips to Protect Your Home

A home is one of life’s most important investments. Keeping it properly maintained can help reduce the risk of a loss and help ensure the safety and well being of friends and family. Just in time for spring, Paul Fisher Insurance Services and Travelers, a leading provider of auto and homeowners insurance, offer these maintenance tips to prepare your home for warmer weather and to keep it safe year-round:

• Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the batteries at least every six months, when you change your clocks.
• Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer.
• Replace lamps that use high-producing bulbs (such as halogen) with those that use fluorescent bulbs and operate at much cooler temperatures.
• Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
• Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.
• Have your air conditioning system inspected by a professional as recommended by the manufacturer.
• Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
• Check your water heater for leaks and corrosion, and keep surrounding area clear.
• Clean and/or replace your furnace filter.
• Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
• Inspect washing machine hoses and replace hoses that show signs of wear or leakage with stronger reinforced hoses. Turn off the water when not in use to prevent water damage if a hose breaks.
• In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires. Do not attempt to remove tree limbs from power lines yourself. Instead, call your power company to request assistance.
• Safely store oil and gas for lawn equipment and tools in a vented, secured area.
• Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.

Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Home, Life, Equipment Leasing, Business Owners Insurance, Wedding Protection, Special Occasion Protection, and much more!

For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Business overhead expense disability insurance – Wikipedia, the free encyclopedia

Business overhead expense (BOE) disability insurance pays the insured’s business overhead expenses if he or she becomes disabled. A BOE policy pays a monthly benefit based on actual expenses, not anticipated profits. It is designed for businesses that rely on a small number of people (or one person) to produce revenue.

[edit] Coverage

The following business overhead expenses are typically covered by a BOE disability policy:[1]

* Rent

* Interest payments on some business debts

* Utilities

* Employees’ salaries and payroll taxes

* Postage and stationery

* Equipment maintenance

* Rental, lease, or depreciation of office equipment

* Taxes on the business property location

* Insurance premiums for Workers’ Compensation, employee medical, and liability

* Accounting fees

* Professional memberships and subscriptions

Policies do not cover the salary of a temporary employee hired to do the duties of the disabled. Income taxes, the cost of inventory, and the cost of furniture are some expenses that are not covered. .

[edit] Characteristics

* Benefit Periods: BOE insurance policies have short benefit periods that do not usually exceed two years.

* Elimination Periods: BOE policies typically have short elimination periods; either 30, 60 or 90 days.

* Maximum Benefits: BOE insurance policies offer a maximum monthly benefit, but only pay actual overhead expenses if they are less than that maximum benefit. With some insurers, any unused benefit can be applied to increase future monthly maximums or to extend the benefit period.

* Taxation: BOE insurance benefits are subject to income tax, but the premiums are tax deductible as a business expense.

* Rates: BOE insurance rates are based on the insured’s age (at time of purchase), occupation, and health status. Once a BOE policy is owned, coverage can be increased without providing evidence of medical insurability.

via Business overhead expense disability insurance – Wikipedia, the free encyclopedia.

Business Overhead Expense Insurance

How long would your business survive if you were temporarily disabled? How would you pay the salaries of your employees and meet your monthly expense obligations? Some statistics would have you believe at least 50% of persons aged 35 will suffer a disability lasting at least 90 days before they attain the age of 65.

When a disability occurs, generally three things are sure to happen to a business owner:

* their regular living expenses will continue to occur;

* business expenses will continue to occur; and,

* at this most inopportune time, the income earned from the business will be severely interrupted.

Business overhead expense (BOE) insurance is designed to reimburse a business for overhead expenses in the event a business owner becomes disabled. This is not the same as personal disability insurance which usually pays benefits to age 65. A business overhead expense policy pays a shorter benefit of one to two years after a waiting (elimination) period. It is generally considered that no business can stay open more than two years if the owner is disabled and the business will either be shut-down or sold.

These policies also work where there is more than one owner. If there is a business partner each partner can take out a policy to accommodate their share of the expenses.

The premiums paid for the business overhead expense insurance is a legitimate, tax-deductible business expense; however, the benefits are treated as taxable income when paid.

Generally, there are two conditions which must be met to trigger the payment of benefits:

* total disability due to injury or sickness must be present and

* the expenses covered by the policy must be incurred during the disability.

Typically, eligible business overhead expenses are:

* employee salaries

* employment taxes

* employee benefit costs

* rental payments for property and equipment

* principal and interest on mortgaged business property

* utilities

* accounting and legal fees

* business insurance expenses

* interest on business debts

* property taxes

* general office supplies

Any agreements and insurance polices within a business must be integrated with the overall plan and objectives of the business. Careful consideration must be given to the selection of the plan which is right for your business and to the method of funding your plan.

* * *

This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contract your insurance agent. Our articles are intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.

via Business Overhead Expense Insurance.

Understanding the various types of property-related insurance and owner builder insurance

Understanding the various types of property-related insurance and owner builder insurance

Article Submitted by: Abhishek Mishra

Friday, 03 April 2009

Everybody knows Insurance. In this contract the insurer promises the insured to give compensation for the loss of the insured entity or death of the insured person. Premium is the amount which is paid by the insured to the insurance company on behalf of buying the insurance. Insurance is in fact similar to risk management.

There are certain rules and principles which are strictly followed by the insurance companies before insuring anything or anyone. Companies check the reliability of the information provided by the insurer, their earning capacity and the worth of the entity etc. Even when claims for insurance payment are made by the insurer, the companies check about the truth themselves regarding the extent of damage or loss, the insured entity or person and then only they give the insurance money. There are myriad types of insurance available in the insurance companies- Like,


Public liability insurance if any kind of damage happens to the insured property due to any person from the public insurance amount is given.


Vacant land insurance is taken by people who have lands or any construction in the land which is not in use since a long time. In case of any damage due to fire, earthquake, flood etc. to the property insurance, amount will be paid by the company for the loss.


Office insurance is taken by almost every office and their employees. In case of injury of the employees, their hospitalization bills are paid by the insurance company under which they are insured. And if any kind of damage happens to the office its cost is also paid by the insurance company.


Home warranty insurance is a good scheme where maintenance money required for the home is given by the insurance companies


Construction work insurance is taken by the builders for their buildings which are under construction and for the workers who are involved in the building construction.


Contract works insurance is very popular among people whose nature of work involves them in contract working.


Business insurance quotes are demanded by the companies, so that they can insure their business to the company which offers most competitive price.


Property Insurance Australia has a huge insurance market in Australia.

Other than these insurances life insurance, Motor insurance, Property insurance, Workers compensation insurance and insurance for display home are the most popular types of insurance.

It’s good and important to have insurance because our life is uncertain and insurance provides us and our family a kind of monetary security in case something unexpected and bad happens to us, so that we can face the challenges of life and move ahead.

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What provides safety for the future?

Have you ever thought of how to live a secure life in the future? No one can predict the future and now we may be having all wealth, but future cannot be predicted “Stop acting as if life is a rehearsal. Live this day as if it were your last. The past is over and gone. The future is not guaranteed”. This is one of the beautiful quotes from Wayne Dyer and always thinks for the future of you and your family members. You are going to live your life and you are the responsible person for the loss in your life. Investment is the one that provides safety for your life and investing your money in insurance provides the complete safety for your future. Are you still unaware about the benefits of insurance and its types? Don’t worry my friends we will see a detailed overview about it.

What is insurance?

Insurance is an amendment or policy that gives protection against an undesirable event or risk and it ensures that we are protected from financial loss or harm. The insurer is a person who insure and the insurance agent is a person who acts as a representative between the insurer and the insurance companies and he may be either an independent representative or a dedicated one. Independent representative means, the agent represents the insurance products of many companies and dedicated one is who represent only for a particular company.

Varieties of insurance:

Different types of insurance are available and each type provides some safety and security. Life insurance, property insurance, health insurance, auto insurance, liability insurance, credit insurance, casualty insurance, home insurance and there are other types of insurance locked fund insurance, pet insurance and more. Whatever the insurance type it may be, the theme behind the insurance is safety and security for the future. The first insurance company in USA was started in 1732 in Carolina and Benjamin Franklin was the one who helped to popularize the insurance.


Premium is the sum of money paid, usually at regular intervals for an insurance policy. As said above, you need to invest in order to gain profit and before selecting the insurance decide your budget and select a premium that you can afford. Insurance companies in general have different premium options for the benefit of customers and you can pay the premium quarterly, half yearly, annually and monthly. Either you can pay in hand or there is an option to deduct the premium from your salary. Each and every company has different premium plans and the least amount of premium starts from hundreds and continues to the most; depending upon your budget you can decide the premium amount of your own. If you are busy and if you can’t find time to pay the premium, better you can call your agent and can pay the premium to the agent.

The companies usually remind about the premium thorough email or through letters. Find the best insurance companies through internet and there are many good health quotes companies who provide you the valuable information regarding insurance.

via What provides safety for the future?.

Worker’s Compensation Insurance

Worker’s compensation insurance provides coverage for statutory advantages to workers who are injured on the job site. All employers have a necessary and obligation to their workers to make the office a secure environment. As secure as a workplace will be, accidents can (and sometimes do) nonetheless happen, even within the safest of work environments.

Employee’s compensation insurance coverage was created to protect employers from any and all lawsuits resulting from workplace or work-associated accidents or illnesses. It additionally supplies medical care and compensation for lost revenue to workers who’re hurt in office accidents, or harm in places apart from the office while on the job. Practically each state requires one of these contractors insurance for all businesses.

Staff compensation insurance offers funds to injured workers irrespective of who was at fault within the accident. The fee is issued for time misplaced from work, in addition to for medical and rehabilitation services. This sort of contractor’s insurance coverage additionally gives death advantages to surviving spouses and dependents.

Concerning this insurance coverage, each state within the U.S. has different laws that govern the quantity and period of misplaced revenue benefits, the supply of medical and rehabilitation companies, as nicely as how the system is administered. As an illustration, in several states, regulations dictate whether the employee or employer can choose the physician who treats the injuries, in addition to the way wherein disputes about benefits are resolved.

It could be very important be aware that employees compensation insurance should be bought as a separate policy. There are several sorts of commercial/contractors insurance coverage which can be offered as package deal policies – but these sometimes don’t embody coverage for employee injuries.

via Worker’s Compensation Insurance.

5 Tips to Find Affordable Auto Insurance

Finding affordable auto insurance has never been an easy task. Many people spend a good number of days in finding a policy that best suits to their desires. Of course, you can find good desirable rates if you simply take your time to choose the best for you. Don’t make decision in a hurry. Having an insurance policy is not only necessary because law requires some basic coverage but also it helps you in bad times and ensures the protection of your property such as in case of accidents.

This article is based on some advices that will help you discovering a policy that fit your budget and provide you the desired coverage at the same time.

Learn Your State’s Minimum Requirements

Remember, each state has different laws regarding the minimum auto insurance coverage that you need to have. First of all, learn about the minimum requirements for the state you residing in. now the next decision is yours, either you want to go for that minimum coverage or want to have some more coverage. For instance, if you have an old car that is not worth much, you may opt for the minimum coverage, but if you have a brand new car, you may look for a comprehensive coverage plan.

Discover What Different Car Insurance Companies Offer

It is vital consider several options when looking for affordable auto insurance policy. For this purpose, you can use Best Cheap Auto Insurance’s Quote Generator to get several quotes from various insurance companies. This will help you to avoid the fatigue of visiting multiple companies and at single place you will be able to find affordable insurance coverage according to your desire.

Find Out the Determining Factors of Your Car Insurance Rates

Another important you need to bear in mind is to know that how the insurance companies determine rates. By having a fair idea about, you will be in good position to get lower rates. Insurance companies usually look at various aspects such as type of vehicle, age, driving record, credit history, gender and claims made to determine your premium. If you are conscience about driving and have good credits, it will be much easier for you to get affordable auto insurance.

See if You can Group Insurance Policies

Some companies offer group insurance policies. By group insurance we mean that if you already have homeowners insurance or any other type of policy, you can ask your insurance company whether they are ready to give you auto insurance or not. If they do, you will get it on discount.

Discover What Discounts Insurance Companies can Provide You

On fulfilling certain requirements, many auto insurance companies offer discounts. For instance, some companies offer discount to a good student, senior citizens, safe driver, and so on. Other companies offer discount for passing a defensive driving course or for a low mileage. You need to do some research in order to get some discount.

via 5 Tips to Find Affordable Auto Insurance – Article Blast! Free Articles And Content For Reprint On Your Website, Newsletters and Ezines. Submit Your Articles For Free!.

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