Business records are valuable for any business. Potential loss of valuable papers, invoices, client lists, contracts, medical records and other printed media could be detrimental to any business. Valuable papers business insurance coverage is an all risk policy that insures a business against loss or damage of critical records. The policy covers the cost of replacement for the damaged records including 'books, maps, films, drawings, abstracts, deeds, mortgages, and manuscripts'. Insurers provide high limits of coverage but not in excess of the actual cash value of the loss or the replacement value of the damage.
There are many people that stay with the same insurer and keep the same auto insurance policy for years. The main reason is that they are paying a relatively affordable auto insurance premium and are offered a satisfactory car insurance policy. Therefore, they are not interested in changing, or at least, shopping around for auto insurance for a period of 20 or even 30 years.
Regardless if you already have coverage or not, shopping around for car insurance can give you an idea of what is available in the market, allowing you to select the best coverage at the best premium. Even if you are confident that your current insurance policy is the best possible deal, by shopping around for car insurance you may get better coverage at a lower insurance premium, or adjust your insurance policies accordingly.
Term life insurance is an inexpensive way to provide guaranteed death protection for a stated period of time (term), usually 10, 20 or 30 years. Aiming to provide temporary life insurance protection for a fairly low initial premium, term life insurance can cover short-term needs on a limited budget and provides insurance coverage to the beneficiaries when the insured is deceased.