Teen Sentenced for Fla. Boating Accident
boating accident that killed a 6-year-old boy off the Florida Keys
Source: www.feedsfarm.com

Yacht skipper puts victim for dinghy blame on tragedy
A YACHT skipper charged with causing the death of a Cambridge woman in a boating accident in Australia blames her for the tragedy, a court heard
Source: www.feedsfarm.com

Boat insurance? Do you need one? The answer to this question is simple. Obviously, if you don’t own a boat, then you won’t be needing one. However, if you own a boat of your own or thinking of buying one, then having boat insurance is something you should not take lightly.

Boat insurance is necessary as it safeguards your boat against unwanted incidents from happening to it, such as fire and other hazards. Different types of boats have different types of insurance coverage.

Now that we know that insurance is very important, then how do you go about getting one? There are many insurance companies out there that offer boat insurance and in order to help you make an informed decision when it comes to this type of thing, you should try to get at least two to three different quotes from the many insurance companies for comparison.

Boat insurance can be very expensive and it is very wise if you find out which policies are available beforehand. The quotes have different types of coverage which can be found through an auto insurance company. For example, your insurance will depend on where you live and also the age of your boat.

In order to find the best boat insurance policy you need to determine the type of boat you own and what you plan on using it for. You could purchase boat insurance from brokers and dealers. However, before a policy is offered to you, you’d have to have your boat inspected first.

Usually, it takes a long time for you to get the quotes if you are doing it offline, usually a few days, and sometimes it could take weeks. However, doing it online takes less time, usually in a matter of one or two days and because of this, you’re able to get different quotes from different boat insurance brokers. This might prove to be beneficial to you as now you’re able to compare the different quotes.

To get online quotes, you should fill out a form provided to you on boat insurance websites. The form would require you to include the age of your boat and also the type of coverage you are looking for. This is very important as the quote will be based on what type of information you include inside the form. However, the information can be changed as you see fit.

To know how much having a boat will cost you so that you’ll have an idea what the monthly cost is going to be like, you should include the insurance costs in your budget. Having a boat insurance quote before everything else will help you to plan your budget better.

Now that you know the advantages of having more than one boat insurance quote, you should know that it’s important that you review them one by one to see if they meet your criteria. These quotes should include the terms of policy, coverage and premiums. Take note that certain policies only cover your boat under certain conditions and it will not be covered if you do not meet the conditions. Therefore, it is very important that the policy has all the coverage needed for your boat.

Older boats will not need that much coverage as new ones. That means if you are an owner of a new boat or a boat that is not too old, you should choose a boat insurance with a policy that offers more coverage.

Having said that, it does not mean that you should look for other quotes immediately. Instead, you can also ask them to add additional coverage if the quote is missing some coverage options or you can also cut some of the options should you decide to spend less on your boat insurance. However, before doing so, you should weigh all of the options in order to see how much coverage is needed for your boat.

If you think that nothing is going to happen to your boat, you’d better think again. If you are an owner, then you have to have insurance coverage for it. There’s no question about it. With the power of the Internet you can have different quotes for you to choose from within a day or two. Once you have made up your mind, discuss with the boat insurance agent to determine the right coverage for you and your boat.

Not having boat insurance is like walking in the middle of the road, against traffic blind folded. Anything may happen. Go ahead, if you are a boat owner and have not had boat insurance yet, then log in to the Internet and start searching for your quotes now.

Juzaily Ramli and his friend Tommy Lehmann are crazy about boats and owners of Sail Boats website.

If you are at all serious about boating, then you should find out more about: Boat Insurance. It could set your mine at ease.

Teen sentenced for Florida boating accident
KEY WEST, Fla. A 13-year-old has been sentenced to juvenile detention in connection with a boating accident that killed a six-year-old boy who was snorkeling off the
Source: www.feedsfarm.com

Mechanical problem might have led to boating tragedy
Investigators found two mechanical “issues” Tuesday that may have helped doom a family fishing outing, while a heartbroken Eric Singleton returned to Lake Yale near Eustis to guide divers searching
Source: www.feedsfarm.com

Are you considering on starting a business and worried about the costs of insurance? You should as the number one cause for business failure is lack of cash flow and/or capital. The initial down payments for annual insurance policies are high and the premiums even higher, but in this day and age of lawsuits, you better be protected just in case.

In fact many companies will require that you have business commercial insurance just to enter their property. Commercial Insurance considerations are key in the Mobile Service Business Sector and you will need to provide additional insurance certificates or certificates of insurance nearly everywhere you go. Corporations and their risk management departments will require them.

Insurance is not cheap and is a significant cost and has increased since 1992 every single year. It is a killer for small business. But until we Shoot All the Lawyers, as some shoot from the hip entrepreneurs will belligerently call out, you have to deal with it and pass this onto the consumers, everyone does, except the Hispanic Illegal Aliens that you compete with “no business license, insurance, identification” and that is the way the real world works?

You need a good insurance policy and you must protect your company and your personal assets. Cutting short on insurance could cut the life of your business short as well. I certainly hope this article is of interest and that is has propelled thought. The goal is simple; to help you in your quest to be the best in 2007. I thank you for reading my many articles on diverse subjects, which interest you.

“Lance Winslow” - If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

Mechanical problem might have led to boating tragedy
Investigators found two mechanical “issues” Tuesday that may have helped doom a family fishing outing, while a heartbroken Eric Singleton returned to Lake Yale near Eustis to guide divers searching
Source: www.feedsfarm.com

Teen Sentenced for Fla. Boating Accident
boating accident that killed a 6-year-old boy off the Florida Keys
Source: www.feedsfarm.com

Increasing your clientele in an insurance business is not easy, as so many people are skeptical of insurance. They know that they need and are even required to buy, as per their agreement to get a driver’s license or the mandatory requirements from lending institutions, banks and mortgage companies. Still they hesitate and even get nasty as if the insurance agent is someone the evil co-conspirator to the insurance rules?

Customers need to think of your agency as a helpful friend assisting them in getting through the maze of insurance policies, rules, premium costs, coverages and actual needs or requirements. How can you bridge this gap of hostility, anger and sometimes a complete disdain and mistrust? It will not be easy.

It pays of course to become highly involved in your community starting with the basics of joining the Local Chamber of Commerce and a service club such as;

* The Rotary
* Kiwanis
* Optimists
* Lions
* Elks

Giving back to the community and volunteering will assist in quality referrals and in doing so you will stand above the fast talking, fear inciting, run of the mill insurance agents out there trying to make a fast buck, by selling low-cost crap (opinion) policies to people who have no clue as to what on Earth they are buying. So, you can either do it the right way, the community way or you can do it the less-than-ethical way.

You decide but we are watching; we are the people. I certainly hope this article is of interest and that is has propelled thought. The goal is simple; to help you in your quest to be the best in 2007. I thank you for reading my many articles on diverse subjects, which interest you.

“Lance Winslow” - If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

Houston Based Independent Insurance Agency Announces New Re-Designed Website (PR Newswire via Yahoo! Finance)
With a more intuitive user interface and fresh design, the site delivers information for current and prospective customers better than ever before.
Source: biz.yahoo.com

Man sentenced for fatal boating accident on Adirondack lake (WCAX-TV Vermont)
Associated Press - November 26, 2007 10:55 AM ET HERKIMER, N.Y. (AP) - A 24-year-old man who swam away from a boat crash that killed a passenger on an Adirondack lake last year is going to…
Source: www.wcax.com

Man gets prison time in boating death (KPAX Missoula)
Associated Press - November 8, 2007 11:15 AM ET CASPER, Wyo. (AP) - A judge has sentenced a Natrona County man to serve five to 10 years in prison in connection with a fatal boating accident…

Get Well Soon, Jerry! (WKRG News 5 Mobile)
Prayers and thoughts go out to Foley boy critically injured in boating accident more

Liability Insurance Explained

Author: Mark R Burdett

Employers Liability This is required by law and it covers personal injuries sustained in the course of their employment by your employees. It will also cover an employee (current or former) if they become ill as a result of their work. Failure to take out an employer’s liability policy can result in fines of up to £2500 for any day you are without suitable cover.

Public Liability This covers injury to a member of the public or damage to their property caused by you or your business. Premiums depend on the type of business you run, your turnover and the number of employees you have.

Products Liability If you sell (or give away) a product you are legally responsible for any damage or injury that the product you supply may cause. Products Liability will cover you against any compensation awarded as a result of damage or injury caused by your product. Cover is also available to protect you against costs incurred in having to recall a product. With some recent high profile product recalls (SAAB announced it was recalling 33,100 cars in the UK and 297,000 units Worldwide due to a ignition problem) now, more than more, is it crucial to ensure you have the correct level of cover.

Directors & Officers Directors & Officers (or D & O) is a policy that protects officers and directors of a corporation from liability in the event of a claim or lawsuit against them claiming wrongdoing in connection with the company’s business. Premiums for this type of cover have risen dramatically in recent times so the use of a good insurance broker is highly recommended to ensure you get the best deal.

Liability Insurance and Business Insurance doesn’t have to be complicated and it doesn’t have to be expensive. Choose your Insurance Broker or Insurance Company wisely and make sure you get the protection, peace of mind and cover you need.

Fisherman Drowns Accident at Copan Lake claims life of Bartian (Bartlesville Examiner-Enterprise)
A 77-year-old Bartlesville man is dead after he and a friend were thrown from their boat Thursday morning at Copan Lake. According to the Oklahoma Highway Patrol, the boating accident occurred at approximately 10:10 a.m. near Copan Point Boat Ramp.

August 2007 (Watertown Daily Times)
JUNEAU - Caroline A. Goodenough of Juneau passed away on Tuesday, Aug. 28, 2007, at the age of 87 years. She was born in Theresa on March 8, 1920, daughter of Paul and Elsie (Enderle) Zahn. On Nov. 8, 1958, she married Eugene T. Goodenough in Juneau.