Q. I have searched for insurance companies and agents everywhere for this but the only one or two companies I have found only insure multi-million dollar companies. I am just starting out and need to find product liability insurance before I can start manufacturing and selling. Please help!
A. You have to go to an independent agent, who can put this out on the surplus market. I disagree with the guy that says find the largest agency - they're the ones most likely to say this isn't worth their time, and refuse to bother to quote you.
The direct writers - State Farm, Allstate, Nationwide, etc, are NOT going to be interested in this. An independent will find a company for you.
It's not going to be cheap. Plan on this coverage STARTING at $5,000, maybe more. And you'll have to give them a TON of detailed information, so it's probably going to take a couple weeks to get a quote.
The direct writers - State Farm, Allstate, Nationwide, etc, are NOT going to be interested in this. An independent will find a company for you.
It's not going to be cheap. Plan on this coverage STARTING at $5,000, maybe more. And you'll have to give them a TON of detailed information, so it's probably going to take a couple weeks to get a quote.
How can i get theft insurance for my iPhone 4 on prepay?
Q. I am at the moment searching for insurance....because as some of you may know iPhone s are worth alot , and must be insured.....but the thing is i dont know where to get it done.... because my network only offer insurance for iPhone on bill pay...and i am on prepay.....Much appreciated!
A. Add it to your homeowners or Contents Insurance. It would be added the same way they add jewelery.
All you need is an appraisal but be warned, you will only get the difference between the value at the time it is lost and the deductible.
If I recall the phone only costs $500 and if you sign up for a package it's about $100. next year it will be worth far less so when you declare the value don't overdo it. You will be paying premium on the value you say it's worth.
All you need is an appraisal but be warned, you will only get the difference between the value at the time it is lost and the deductible.
If I recall the phone only costs $500 and if you sign up for a package it's about $100. next year it will be worth far less so when you declare the value don't overdo it. You will be paying premium on the value you say it's worth.
I need the names of some good film production insurance companies in Philadelphia?
Q. I am searching for insurance companies that provide production coverage for filmmaking in and around Philadelphia. Does anyone know where I can find that information? I've checked yellowpages.com already.
A. These companies usually work nationally, but they tend to be located where the number of customers is greatest--in other words, the Los Angeles area, and to some extent, New York City. Do a Google or Yahoo search for "film insurance" and I'm sure you will get plenty of hits. Then call their toll-free numbers (they always have one) and discuss your needs.
However, I am pretty sure that the Chubb Group of insurance companies still writes film production insurance policies, and they have a big presence in the Philadelphia area. I kind of doubt that their film insurance is *based* here, but they do have a local office, so you might start with them.
Chubb Group
Four Penn Center
1600 JFK Boulevard, Suite 400
Philadelphia, PA 19103
Telephone: 215-569-9660
However, I am pretty sure that the Chubb Group of insurance companies still writes film production insurance policies, and they have a big presence in the Philadelphia area. I kind of doubt that their film insurance is *based* here, but they do have a local office, so you might start with them.
Chubb Group
Four Penn Center
1600 JFK Boulevard, Suite 400
Philadelphia, PA 19103
Telephone: 215-569-9660
Refinance mortgage after garage is converted to living space without permit?
Q. Last year, we coverted our one car garage to a living space by enclosing it, adding a window, finishing the floor. No plumbing is added. From outside, it still looks like a garage. We didn't apply for a building permit. We are thinking of refinancing the mortgage. Note: It is in New York State. I am wondering if the converted garage will casue any issue during apraisal, title search, title insurance,etc. Thanks in advance.
A. It shouldn't cause a problem, but in some areas can actually lower your property values instead of raising it. Since you already on the home, a title search, title insurance, etc is not neccesary. You are refinancing a mortgage, not getting a new one.
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