Umbrella FAQs

                                       
                                        Umbrella FAQs

Q:    What is a personal umbrella liability policy?

A:    The personal umbrella liability policy is an insurance contract designed to accomplish two goals.

1. First, it increases the liability protection beyond what the policy owner already has in his or her homeowners and automobile insurance policies.

2. Second, the personal umbrella policy is designed to fill in the gaps in a policy owner's liability coverage since several types of liability exposures exist that are not covered by automobile and homeowners policies.

Together with homeowners and automobile insurance policies, broad personal liability protection is attained through the purchase of a personal umbrella policy.

Q:    How do I know if I need a personal umbrella liability policy?

A:    It used to be that the only people who needed personal umbrella liability policies were wealthy individuals who had sizable amounts of personal assets that would be at risk in a lawsuit.

However, in our very litigious society, many people are realizing that they have a need for more liability insurance than what is provided under their homeowners and automobile insurance policies. The personal umbrella policy is ideally suited to provide this protection.

Written By : Asad Sohail

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Renters FAQs

                
                Renters FAQs

Q:    Why would I want to buy renters insurance?

A:    If you live in an apartment or a rented house, renters insurance provides important coverage for both you and your possessions. A standard renters policy protects your personal property in many certain cases of theft or damage and may pay for temporary living expenses if your rental is damaged (including loss of use). It can also shield you from personal liability. Anyone who leases a house or apartment needs to consider this type of coverage.


Q:    How does a renters policy protect my personal property?

A:    A renters policy provides named perils coverage. This means your property is protected from all the perils that are specifically listed on your policy. These usually include:

• Fire or lightning
• Windstorm or hail
• Explosions
• Riots
• Aircraft
• Vehicles
• Smoke
• Vandalism or malicious mischief
• Theft
• Falling objects
• Weight of ice, snow, or sleet
• Accidental discharge or overflow of water or steam
• Sudden and accidental tearing apart, cracking, burning, or bulging
• Freezing
• Sudden and accidental damage from artificially generated electrical current
• Volcanic eruptions (but this doesn't include earthquake or tremors)

Renters coverage applies to your personal property no matter where you are in the world. This means you're covered when you are on vacation as well as at home.


Q:    Why do some apartment complexes require tenants to have renters insurance?

A:    The owners of these apartment complexes require their tenants to have renters insurance to ensure that they have personal liability coverage. Owners of apartment complexes carry property insurance to protect themselves in the event that the apartment building is damaged. However, if a negligent tenant causes damage, the owner's insurer will sue the responsible tenant for the amount of damage they caused. The owner wants to make sure that the tenant has insurance coverage that will protect him or her in this event.


Q:    What if I share my apartment with a roommate? Do we both need to have renters insurance?

A:    Standard renters policies cover only you and relatives that live with you. If your roommate is not a relative, each of you will need your own renters policy to cover your own property and to provide you liability coverage for your own actions.

Written By : Asad Sohail

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Life FAQs

                                               
                                            Life FAQs

Q:    How much life insurance should an individual own?

A:    Rough "rules of thumb" suggest an amount of life insurance equal to 6 to 8 times annual earnings. However, many factors should be taken into account in determining a more precise estimate of the amount of life insurance needed.

Important factors include:

1. Income sources (and amounts) other than salary/earnings

2. Whether or not the individual is married and, if so, what is the spouse's earning capacity

3. The number of individuals who are financially dependent on the insured

4. The amount of death benefits payable from Social Security and from an employer sponsored life insurance plan

5. Whether any special life insurance needs exist (e.g., mortgage repayment, education fund, estate planning need), etc.

It is recommended that a person's insurance advisor be contacted for a precise calculation of how much life insurance is needed.


Q:    What about purchasing life insurance on a spouse and on children?

A:    In certain circumstances, it may be advisable to purchase life insurance on children; generally, however, such purchases should not be made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s). It is of utmost importance that the income earning capacity of the primary breadwinner be fully protected, if possible, through the purchase of the required amount of life insurance before contemplating the purchase of life insurance on children or on a non-wage earning spouse. In a dual-earning household, it is important to protect the income earning capacity of both spouses. Life insurance on a non-wage earning spouse is often recommended for the purpose of paying for household services lost at this individual's death.

Q:    Should term insurance or cash value life insurance be purchased?

A:    Although a difficult question--one whose answer will vary depending on circumstances--several principles should be followed in addressing this issue.

It must first be recognized that in any life insurance purchasing decision, there are at least two basic questions that must be answered:

1. "How much life insurance should I buy?" and

2. "What type of life insurance policy should I buy?"

The question contained in (1) involves an "insurance" decision and the question contained in (2) requires a "financial" decision.

The "insurance" question should always be resolved first. For example, the amount of life insurance that you need may be so large that the only way in which this needed amount of insurance can be afforded is through the purchase of term insurance with its lower premium.

If your ability (and willingness) to pay life insurance premiums is such that you can afford the desired amount of life insurance under either type of policy, it is then appropriate to consider the "financial" decision--which type of policy to buy. Important factors affecting the "financial" decision include your income tax bracket, whether the need for life insurance is short-term or long-term (e.g., 20 years or longer), and the rate of return on alternative investments possessing similar risk.


Q:    How does mortgage protection term insurance differ from other types of term life insurance?

A:    The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decreases in the outstanding balance of a mortgage loan. Mortgage protection policies are generally available to cover a range of mortgage repayment periods, e.g., 15, 20, 25 or 30 years. Although the face amount decreases over time, the premium is usually level in amount. Further, the premium payment period often is shorter than the maximum period of insurance coverage--for example, a 20-year mortgage protection policy might require that level premiums be paid over the first 17 years.

Q:    Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?

A:    Yes; the purchase of a new mortgage protection term insurance policy is usually not required by the lender. An existing policy, either term or cash-value life insurance, can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured's death.

Credit life insurance is frequently recommended in conjunction with the taking out of an installment loan when purchasing expensive appliances or a new car, or for debt consolidation. Is credit life insurance a good buy?

Credit life insurance is frequently more expensive than traditional term life insurance. Further, if you already own a sufficient amount of life insurance to cover your financial needs, including debt repayment, the purchase of credit life insurance is normally not advisable due to its relatively high cost.

Written By : Asad Sohail

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Small Business General Liability FAQs

                        __________________________

                   Small Business General Liability FAQs
                                      _______________________

Q:    What is a third party claim?

A:    A third party claim is a claim brought against you by someone other than an insured.


Q:    Does my General Liability Policy provide coverage if my company is sued for pollution?

A:    This insurance does not apply to bodily injury, property damage, advertising injury or personal injury arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollution.


Q:    Does my General Liability Policy provide Liquor Liability Coverage?

A:    Yes, your General Liability policy provides liquor liability coverage unless you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. These types of businesses need to purchase additional coverage specific to liquor liability coverage.


Q:    What is Fire Legal Liability coverage?

A:    Fire Legal Liability provides coverage against liability for fire damage to premises rented to the named insured or temporarily occupied by the named insured with the owner's permission. Most Commercial General Liability policies provide a separate limit of $50,000 to cover this exposure.


Q:    Will my liability insurance cover me if I am sued in another country?

A:    Most liability policies provide coverage for lawsuits only if they are brought in the United States, its territories and Canada.


Q:    What is the difference between Employee Benefits Liability Coverage and a Fiduciary Bond?

A:    The Employee Benefits Liability policy was designed primarily for a variety of benefit plans to provide coverage for administrative errors and omissions. The Fiduciary Bond policy was designed to cover a fiduciary's ERISA (Employee Retirement Income Security Act) exposures that are caused by a "wrongful act." Fiduciary coverage responds to claims for damages arising out of improper investments as well as plan and employee advice.


Q:    What is an Umbrella Policy?

A:    An umbrella policy provides additional limits of insurance over and above underlying coverages found on a General Liability, Automobile or Workers' Compensation policy. If there is a claim, the underlying policy will pay its limits of liability and the umbrella policy coverage would then be activated.


Q:    When do I need to purchase Workers' Compensation Insurance?

A:    Most states require an employer to purchase workers' compensation insurance as soon as they have employees. These states also consider a corporate entity to have employees from the moment the corporation is formed.

Workers' compensation insurance will provide medical expense and disability income for injured employees as required by the laws of each state. In addition, the insurer will defend any claim proceeding or suit against the insured for benefits payable under the policy.

Premium shall be computed on the basis of the total remuneration (payroll) paid or payable by the insured for services covered by the policy.


Q:    What should be included in the remuneration?

A:    In addition to ordinary wages or salaries, remuneration includes several other types of compensation. These include:

• Bonuses
• Extra pay for overtime work except as provided in Rule V-E
• Pay for holidays, vacations or periods of sickness
• Payment by an employer of amounts otherwise required by law to be paid by employees to statutory insurance or pension plans
• Payment to employees on any basis other than time worked, such as piece work, profit sharing or incentive plans
• Payment or allowance for hand tools or power tools used by hand and provided by employees and used in their work operations for the insured
• The rental value of an apartment or house provided for an employee based on comparable accommodations
• The value of lodging received by employees as part of their pay
• The value of meals received by employees as part of their pay to the extent shown in the insured's records
• The value of store certificates, merchandise, credits or any other substitute for money received by employees as part of their pay
Items not included are:
• Tips and other gratuities received by employees
• Payments by an employer to group insurance or group pension plans for employees other than payment covered by Rule V-B.2e
• The value of special rewards for individual invention or discovery
• Dismissal or severance payments except for the time worked or accrued vacations.

Written By : Asad Sohail

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Small Business Property Insurance FAQs

                                   
                   Small Business Property Insurance FAQs
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Q:  What is a peril?

A:    A peril is the cause of a possible loss (examples include fires or windstorms).


Q:    What is Business Income Coverage (Time Element)?

A:    Business Income Coverage provides coverage for loss of earnings and ongoing expenses when operations are curtailed or suspended due to property damage resulting from a covered cause of loss.


Q:    Should I purchase special coverage for my computer equipment?

A:    Electronic Data Processing (EDP) equipment can be covered as unscheduled business personal property in "commercial property" forms such as the building and personal property coverage. An EDP equipment floater can provide added benefits. Many EDP floaters cover special perils such as mechanical or electrical breakdown and typically cover property in transit.

Q:    What is co-insurance?

A:    In property insurance, co-insurance is a clause under which the insured shares in losses to the extent that he/she is underinsured at the time of a loss. You may have heard of co-insurance relative to health insurance; this is a provision in which the insured and the insurance company will share covered losses in an agreed proportion.

Written By : Asad Sohail

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How Do I Change My IP Address?

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                         How Do I Change My IP Address?
                                             _____________________

There are MANY methods to change your IP address. Some methods will work for you but may not work for someone else and vice versa. We’re going to cover how to change your IP address in Windows 2000, XP, 2003, and Vista using command prompt.

What If I Have a Static IP Address?

If your IP is static, then you CAN’T change it without contacting your ISP. Although not impossible, it is very rare that an ISP would assign you a static IP without some sort of increased level of service like a business account. However, an ISP can set a lengthy lease time for your IP address and make it look like you’ve assigned a static IP. If you have a long lease time (explained in this article) on your IP then you may not be able to change your IP address without leaving your modem or router unplugged for a long period of time (more than 8 hours), or without cloning your MAC address, which I’ll explain later in this article.

It definitely helps if you know how the IP is being assigned to you.

You can read our DHCP definition to get a better understanding.

What Is An IP Address Lease Time?

An IP lease time is the amount of time your ISP determines you’ll be assigned a particular IP. Some IP lease times could be just a couple of hours, where some are set to a few days, and other IP lease times could be set for as long as a year or more. This setting is completely up to your ISP.

One of the easier methods to change your IP address is to turn off your modem/router/computer overnight. Then turn it back on the following morning. This method WILL NOT work if your ISP has a long lease time set for your IP.

The following method will ONLY work if your computer is being assigned your external IP and not a router.

How to determine if your computer is being assigned the external IP.

If your connection is direct to your computer and your computer gets the public IP and not a router, you can try this:
For Windows 2000, XP, and 2003
1. Click Start
2. Click Run
3. Type in cmd and hit ok (this opens a Command Prompt)
4. Type ipconfig /release and hit enter
5. Click Start, Control Panel, and open Network Connections
6. Find and Right click on the active Local Area Connection and choose Properties
7. Double-click on the Internet Protocol (TCP/IP)
8. Click on Use the following IP address
9. Enter a false IP like 123.123.123.123
10. Press Tab and the Subnet Mask section will populate with default numbers
11. Hit OK twice
12. Right click the active Local Area Connection again and choose Properties
13. Double-click on the Internet Protocol (TCP/IP)
14. Choose Obtain an IP address automatically
15. Hit OK twice
16. Go to What Is My IP to see if you have a new IP address

For Vista (Windows 7 is very similar)

1. Click Start
2. Click All Programs expand the Accessories menu
3. In the Accessories menu, Right Click Command Prompt and choose Run as administrator
4. Type ipconfig /release and hit enter
5. Click Start, Control Panel, and open Network and Sharing Center. Depending on your view, you may have to click Network and Internet before you see the Network and Sharing Center icon
6. From the Tasks menu on the left, choose Manage Network Connections
7. Find and Right click on the active Local Area Connection and choose Properties (If you’re hit with a UAC prompt, choose Continue)
8. Double-click on Internet Protocol Version 4 (TCP/IPv4)
9. Click on Use the following IP address
10. Enter a false IP like 123.123.123.123
11. Press Tab and the Subnet Mask section will populate with default numbers
12. Hit OK twice
13. Right click the active Local Area Connection again and choose Properties
14. Double-click on Internet Protocol Version 4 (TCP/IPv4)
15. Choose Obtain an IP address automatically
16. Hit OK twice
17. Go to What Is My IP to see if you have a new IP address

Some people have inquired about manually assigning their IP address. This IS possible, but you run a very high risk of your ISP banning you from connecting to the internet. To manually change your IP, follow the steps above for your Operating System. In step 9 or 10, depending on your O/S, enter an IP similar to the one displayed in the command prompt window. For example, if the IP displayed in the command prompt window is 75.1.2.3, change yours to 75.1.2.4. You’ll also need to manually enter the Subnet, Gateway and DNS Server IP addresses. If the new IP you give your computer doesn’t work, chances are someone else on the ISP network has already been assigned that IP. You’ll need to move on to the next one and keep trying until you find an open one. Keep in mind that some ISPs match up your MAC or modem data to the address that’s been assigned. If those 2 things don’t match up, you won’t be able to connect no matter what. If your router gets the IP and not your computer, you’ll need to http in to your routers interface and manually assign the IP there. It’s pretty much the same method as assigning the IP to your computer. The method that varies is in how you reach your routers interface. You can get the instructions from your manufacturer’s website.

MAC Cloning. What is a MAC address? A MAC address is a physical hardware address assigned to each device that has the capability of connecting to a network. The internet is nothing more than a large network. The MAC address is something that is assigned in the chip on the device and is not something the user can change. MAC cloning can only be done at your router providing it has those capabilities. Most ISPs assign their IPs based on the MAC address in your equipment. If the MAC address of your router is 00-11-22-33-44-55 and you connect to your ISP, the DHCP server records your MAC and assigns an IP. If you disconnect from the ISP, you lose your IP address. The next time you connect, the DHCP server sees your MAC, looks to see if it has assigned an IP address to you before. If it has and the lease time has not expired, it will most likely give you the same IP address you had before disconnecting and will not change your IP.

Why Clone a MAC Address?

Getting a new MAC address most likely equals a new IP. How to clone your MAC and if your router has this feature is dependent on the router itself. You’ll need to find the instructions on the manufacturer’s website. We offer a Quick Reference List on our Router Support page.

Written By : Asad Sohail

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Priyanka Chopra Pics In Hd

Priyanka Chopra Pics In Hd

 

 

 

 

 

All pics In one file

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