Posts tagged "Commercial"

When you should care for commercial catering equipment

When it comes to personal property, people can be roughly divided up into two camps: those who care and those who don’t (let’s ignore those who have one foot in both camps).

Those who care about their personal property can be identified by the fact that their cars are tidy and regularly serviced, their homes will be insured (home and contents) and they will check guarantees and do a great deal of research before purchasing any item for the home – especially the kitchen. They will polish shoes and put handbags away into cloth bags for storage, their books will be organised and they will only lend you things after a careful lecture (after which you won’t want it any more).

Those who don’t care give their things away. They are relaxed about their homes and think insurance is a scam. They don’t accumulate items and they don’t worry about losing or damaging things.

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So who is right?

While the former might seem like hard work, it could be argued that the latter lacks in appreciation for their belongings and their disposable mentality has been proven to be a poor way of living in our environmentally sensitive age.

While the former might seem like hard work, it could be argued that the latter lacks in appreciation for their belongings and their disposable mentality has been proven to be a poor way of living in our environmentally sensitive age.

Taking care of the things you have saves you money now and prevents waste building up in landfill as well as saving on the energy required to produce more. No one says you need to be highly-strung about it.

This applies to all your belongings. A well-serviced and gently-handled appliance such as a washing machine should last you ten years. Other kitchen equipment should do just as well if not longer – and this applies to commercial catering equipment too.

In fact, your obligation to caring for commercial catering equipment is even greater. This is because dirty, damaged or faulty kitchen equipment can pose a hygiene and health risk to your customers.

As is often the case with public health and environmental issues, what is the right thing for the world around you is also the right thing for you.

Everybody see the new “State Farm” commercial?

Question by ♉TheWickedOne♉: Everybody see the new “State Farm” commercial?
It was playing before Michael died, using his “I’ll be there” song as the sound track. It stopped for awhile after he died but now it’s back and its a little different now…the beginning of the commercial shows a mass of people holding lit candles, as in a memorial. I think it’s pretty cool…I think I’m going to switch my insurance back to them. I had them for years but they got a little pricey. They had the best coverage though. Maybe it’s a sign or something…? Ya think?

Best answer:

Answer by MJ #1 Fan (R.I.P)
Yes!

Add your own answer in the comments!

Commercial buildings insurance|Landlord insurance|Commercial property insurance|

Commercial Strategy Insurance www.planinsurance.co.uk At Program Insurance we deal with more than 40 insurers. We’ll assist you uncover you the best cover at the lowest price. It makes sense to deal with an insurance specialist. The guidance we supply is totally independent. We’ll basically uncover you the very best cover, at the lowest price. Strategy Insurance is an established independent insurance brokerage. We have provided reduced cost insurance with outstanding service over two decades. Trade Plan Insurance, Commercial Program Insurance, Taxi Program Insurance, Strategy Help & Strategy Finance are divisions of The Plan Group Restricted. The videos consists of Commercial Insurance expert Nick Cole talks Landlords by means of some important terms terms relating to Landlords Insurance for both residential and commercial buildings insurance Landlords insurance policy Just like ordinary residence insurance, if as a landlord you are planning on furnishing the rental property with furniture, white goods or TV’s, then you will need to have to get ‘Landlords Contents Cover. If you are not furnishing the property, landlords creating insurance will cover the kitchens, flooring and sanitary ware, and so contents isn’t essential. Unfurnished Let Several tenants prefer unfurnished (or part furnished) as, becoming quite mobile, they bring their personal furniture and favor to use their own items, especially beds. Even unfurnished typically implies that carpets, curtains and some white goods (ie fridge, cooker) are included. Portion-furnished Here you would anticipate to see the …
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Commercial landlord insurance – contents cover

If you own, and rent or lease out, a property to a third party then you will need to have a residential or commercial property owners / commercial business insurance policy. Residential, is of course for houses and flats and is also known as buy to let insurance. Commercial is where you lease a business premises to a third party. Where there is a cross over, for example a shop with flats above, then this will always go under a commercial property policy.

It is not difficult to work out, in the main, what is covered. The building, or the structure, is what you need to have cover for. It is the actual bricks and mortar, roofs, windows, floors and internal fittings. Think of the buildings cover as everything that you would not necessarily take with you when you move house or premises. You may have a fitted laminate floor, this would fall under buildings. But what happens to curtains, carpets and flooring (including carpet tiles and moveable laminate)? Where should this be covered?

This will fall firmly and squarely under the contents insurance. Even if you have a carpet, which you would of course not take with you when you moved, this falls under contents because, if you wanted to, you could pick it up and take it with you.

This really only applies in the main to residential let properties. If you have a block of flats insurance policy, then you will need to give special consideration as to whether you have suitable cover for contents in communal areas. Speak to your business insurance broker about getting this included.

For single let residential properties, over 80% are let unfurnished. But, what a letting agent calls unfurnished and what a commercial insurance company call unfurnished are two entirely separate things. If you have carpets, curtains or any fitted white goods (ie fridges, freezers, dishwashers, washing machines or tumble dryers) then you need to have contents insurance.

Contents cover can be slightly more expensive than the buildings because it is more susceptible to damage and/or theft. But, without the cover you could be left financially out of pocket. The major source of claims to let properties is water damage. This is from burst pipes or storms. If water leaks in, it will always go to the lowest point and this usually involves damage to the flooring. You can, in very few cases, use a de-humidifier to remove any water from a carpet but this is notoriously difficult to do. You may think that it is clean and dry, but this is only the top. If water has seeped through the carpet then it will start to rot unless it is dried thoroughly. This in tune can start to rot any wooden floorboards, or worse still ruin any chipboard as this acts like a sponge.

If you have a landlord’s insurance policy, please take the time to review it to see if you have suitable buildings and contents cover. You will always need to insure for the full replacement cost. What this means is that you cannot just have £1,000 of cover, if it would cost £5,000 to re-carpet the house. As always, you are better arranging any type of non-domestic cover with a business insurance broker and they can help you source the right cover.

NRMA Home Insurance NSW – Does your house look after itself?

http://nrma.com.au/home
Does your home insurer offer great prices across NSW? NRMA Insurance Does.

Does your home insurer pay the most claims? NRMA Insurance Does.

So unless your house takes care of itself, it’s time to get a better deal on your home insurance. For all the savings and benefits you could be missing, call NRMA Insurance on 132 132 or visit your local office.

Offer excludes commercial policies. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. This is general advice only so before making any decisions, make sure you consider your own circumstances and the PDS available from NRMA Insurance.

Duration : 0:0:32

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Dick Hall Agency Inc Panama City FL

Dick Hall Agency Inc

http://www.localedge.com/listing/135882/12702/Dick+Hall+Agency+Inc/8507853717/5501+Cherry/Panama+City/ZZ/32304

auto insurance, car insurance, condo insurance,home insurance, personal water craft, motorcycle insurance, insurance, life, bonds, commercial, boat insurance, flood insurance, rv insurance, general liability,

Duration : 0:0:41

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NatWest Insurance Shambles!

West Film Production Co was contacted by Sue Smith to document her ongoing battle with one of the biggest financial institutions in the UK, the world renowned NatWest Bank. See her story for yourself.

Sue says -
“Whilst away on holiday in December 2005. My 1st home suffered from an escape of water. The extent of the damage caused by the flood was horrendous resulting in my home having to be practically re-built. My nightmare began as soon as I placed my total trust in my insurance company. NATWEST home insurance They immediately sent in the cowboys, C.W.WREN CONTRACTORS, and then all let loose.”

“9 months later and long over schedule, not one single room had been finished! Yet the contractors told my insurance company there was no reason why I could not move back in!!! I think this video clearly illustrates that there is a lot of unfinished work still to be done in my home, including the central heating which as you will see is strewn about the house. No gas fires have been installed and there are no floors laid etc..etc.. the list goes on and on and so does my nightmare.”

“Unbelievably, Natwest Insurance still haven’t bothered to come and take a look at the shambles let alone do anything about it. And it’s now fast approaching 2 years and nine months, that I’ve been forced out of my home because of this fiasco – which they have created!!”

Sue can be contacted via
susansmiles22@hotmail.com

westfilm@hotmail.co.uk

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Duration : 0:6:3

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Funny Thai Commercial

awesome cg work too.

Duration : 0:0:30

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Kentucky Farm Bureau Homeowners Insurance Spoof

This a spoof of a Kentucky Farm Bureau homeowners insurance television commercial where a boy keeps asking his daddy a series of questions.

Duration : 0:0:26

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Direct Line Home Insurance, Super Summer Savings Celebration – Advert

An advert/commerical for Direct Line home insurance‘s Super Summer Savings Celebration

Broadcast around Summer 2009 in the UK

Converted with AVS Video Converter
Edited with Powerdirector

Note: I think one of the last bleeps is cut of at the end….sorry for that.

Duration : 0:0:30

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