Insurance Options for the Self-Employed

If you're self-employed and work by yourself you need to make sure you organize the correct insurance for you and your business. This will be insurance that covers you against any unforeseen and unexpected set backs or accidents that befall you and your company. If not protected you could face serious losses or even the closing of your business.

A lot of insurance companies offer something called Public Liability Insurance for the self-employed. If you search the internet you will be able to see a number of different quotes and policies. This is the most important type of insurance for your business. It covers you and your business for claims made against you by customers, clients and third parties, including members of the public.

The exact type of insurance you need depends on your type of self-employment, and one policy will vary from another. In addition, and depending on the nature of your career and your dealings with the public, you may well need to combine Public Liability Insurance with other kinds of insurance. For example, financial advisors may need to have both public liability and also professional indemnity insurance because of the nature of their profession and because of the position of trust they take when dealing with the general public. In addition their may be insurances that their own industry require they take out, related to financial advice, for example.

There are, then, a number of specialist insurances that self-employed workers should check if they need. The following are the most common insurance policies for the self-employed:

Public Liability Insurance

Public Liability Insurance protects you and your company from claims against you by members of the public, customers, clients and is advisable for almost all businesses.

Professional Indemnity Insurance

Professional Indemnity Insurance gives you insurance cover for the services and advice you might give to your customers or clients. Should that advice or service be incorrect or wrongly performed and cause damages to your customer, they would have redress in the courts. Professional Indemnity Insurance covers you.

Employer's Liability Insurance

Essential insurance for all self-employed people who have reached a stage with their business where they need to employ other people.

Commercial Vehicle Insurance

If you use a commercial vehicle for your work then you need to get commercial vehicle insurance.

Business Buildings Insurance.

Business Buildings Insurance is essential if you work from home or rent or own a site - it covers both the building and any of the business equipment inside.

To find a suitable self-employed insurance policy for your business seek out brokers who specialize in self-employed and contractor mortgages, tax solutions, umbrella companies, pensions and insurance policies. They will give you a better rate than most general brokers and financial institutions.

Salient Tips On Getting The Best Denver Home Loan

ortgage Companies are established in various areas to help people who wish to purchase their home or refinance the mortgage on their existing home. Since mortgages are available in various packages, it is important for customers to be able to select the best packages for their requirements. Information is available online for learning about the configuration and effect of interest rates on one’s finances. At the end of the day, you should be able to pay off the mortgage loan with the tenor mentioned in the loan contract.

Denver home loans are available with Beacon Financial Mortgage lenders who are reputed in the field and offer low interest rates and various options for customers. If you are cautious about taking mortgages and require discussing your options with a counselor you can call them and they will offer their best customer service.

Denver home loan rates are available for people who are credit worthy and maintain a high credit score. They can get better interest rates with mortgage companies. If your credit score is low, some companies like Beacon Financial Mortgage will make an individualized decision to help you with a proposal. The advantages with selecting a company such as Beacon Financial is that they are accredited and do not charge any lock fee, application fee or other such fees. They have streamlined the mortgage process and have the ability of closing your loan in 15 days.

Try to get the best Denver home loan when you wish to purchase property or a home. You will want to ensure that the home becomes your own after many years of paying the mortgage loan interest rates. You may pay the same amount of interest rate every month when you decide on a fixed rate mortgage. You can either take the fixed rate for a period of 15 to 20 years or you can use the option for a five and seven-year fixed rate loan with balloon payment at the end. This is different from adjustable rate of interest.

If you are interested in finding the best options then you should log on to the websites of several mortgage companies and read the types of loan interest rates to find out which one will benefit you in the long run. Do not hesitate to contact the customer service support and ask them to answer your queries. You should have no doubts when you are paying out money in order to purchase a dream home that you are living in currently.

Most of the popular and reputable sites offer tools and calculators and set up track sheets to let you see the current rates of interests especially when you plan to purchase properties. Make sure you are well informed about Denver home loan rates and make the right decision when you visit the mortgage company. You have the option of deciding on the loan program that you wish to take and the mortgage counselor will help you to select the right option.

Essence

My son and I share a passion for history. I must admit that as I write this, he knows more about it than I do. I look at history in terms of people, what drives them.
I love old houses. They have character. They are imprinted with the signature of the previous owners. I love the house that we live in. It is perfect for the four of us. My son, my two dogs and myself.

The house that we live in is quite ordinary. It has three bedrooms and two full baths and a half bath outside. I always wondered why there is a bathroom outside of the main house. One of my previous colleagues told me that it was probably constructed for the help who landscaped the yards. It does have a very big backyard. It took me two years to find this house and it was as perfect then as it is now. I had to change a couple of things here and there, but the yard is pretty much the same except for the addition of a water fountain. Oh except one of the trees fell off when hurricane Lily passed. On it's stump I placed a concrete statue of the buddha. This one is unusual because it is a smiling buddha and the hands are not folded in a meditation posture. It is as if the buddha is just enjoying the traffic of all kinds of birds taking baths in the fountain, the squirrels that tease the dogs and, one day, even a snake. All part of the dance of life in my backyard.

The couple who used to live here are retired and they did a terrific job of landscaping the property. Even now, when azaleas are in bloom, ours is the only home surrounded by magnificent colors in our neighborhood which also an older neighborhood. I can only remember one house that seems to change owners unusually frequently for as long as we have lived here. Most of the residents on the houses lining the street are either retired or working at home, so on any one weekday, the cars are parked on the carport as if it were a weekend.
The pine tree in the backyard is the tallest on the street. I can see it as long as I am on the same street. It serves as a beacon to me.

The flowering plants that continue to give us flowers were planted by the previous owners. I am always grateful for the generosity of spirit of the previous owners for leaving us this gift. I can tell they loved the land as I do now.

That is the history of this house for me. That is what I will remember when I either move away someday or die. I wonder how it was for the people who built it? I wonder how my son will remember it when he goes to college? He always thought it too small. No swimming pool. No tennis court. Not a place for big parties. For me, it is perfect. Small enough that I know where he and the dogs are at any one time even when I am at work on my computer.

I will always remember this house as the house where I found the most peace. When I pass on the ownership of this house to someone else, I wonder what they would change and what they would keep? What kind of signature will they leave? I hope that at least they will keep the bananas and the lemon tree and the dogwoods that I planted. Oh and I will leave them the buddha on the stump and the water fountain as my gift, just like the previous owners left calla lilies and african daisies and the enormous fig tree as their legacy to the future occupants of the land. For the land remains. The house may change, the occupants do change, but the land will always keep a record of the life that was there.

© 2007 by Melinda M. Sorensson