Life insurance


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Plus, we have lots of information about insurance, because an educated consumer is a smart shopper. You need to know about types of plans and coverage, AND get quotes from competing companies, in order to have affordable rates on the insurance you need.

For all types of health insurance, life insurance, homeowners insurance or car insurance, USInsuranceOnline.com makes it easy to find the right plan at the lowest cost available anywhere. Take a minute to complete a short information request form and in just minutes, you'll receive several insurance quote comparisons from top-rated insurers. Start your FREE quote now!
Online Insurance Guides and Resources

Health Insurance Resources:

Health Insurance and Saving Money Can Now Be Said Together!

We all need it though we may not enjoy paying to have it. Going without health insurance should not be an option or you could ruin your life. This is why we have put together a free tool for consumers to find the best possible rates and coverage for peace of mind in case of the unexpected health problem.

Does Your Employer Offer Health Insurance Benefits?

If your work doesn't provide health insurance benefits, you're not out because you have two great options still. One is you can refer your boss to our services so he/she can find the best rates on group health for his/her employees. Two, you can fill out our quick form to see what options you have for private health insurance.

Health Insurance While Being Young and Healthy.

Age and health condition does not mean you don't need the coverage. The main thing that makes health insurance something you can't go without is the fact that it's there for you in hard times. If you have an accident or an unexpected illness, the bills can build up quickly. If you can't afford to pay them you could ruin your credit, lose your home and your possessions.



BUSINESS INSURANCE INFORMATION

The success of a business, whether it's a tiny enterprise run out of a basement or a large corporation, is largely dependent on hard work and ingenuity. However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business. The key to making sure that all the effort and money you have invested in a business doesn't disappear when a disaster strikes is to protect it with the appropriate insurance.


What does a businessowners policy cover?
Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.
BOPs include :

  • Property insurance for buildings and contents owned by the company -- there are two different forms, standard and special, which provides more comprehensive coverage.
  • Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
  • Liability protection, which covers your company's legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.

BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You'll need separate insurance policies to cover professional services, vehicles and your employees.

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