Total Insurance Blog

Insuring Rudolph, Dasher, Dancer, Prancer and Vixen can be as difficult as Santa Claus trying to squeeze through your chimney on Christmas Eve.

Reindeer owners and deer farmers recognize the need to insure their deer, but obtaining affordable coverage can frustrate participants in one of the fastest-growing industries in rural America.

Deer farming is more than 100 years old in North America. The cervid farming industry, which includes deer and elk, has a direct annual economic impact of $893.5 million, according to researchers at Texas A&M University.

An estimated 1.2 million white-tailed deer – the most widespread and abundant type of deer in the United States – are owned by deer farmers, with an average of 80 deer per farm, according to the North American Deer Farmers Association and the American Deer & Wildlife Alliance.

“It’s just like any other property or commodity. It’s go

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Aspen US Insurance has entered the recreational marine insurance market through an agreement with Georgia-based Axiom Insurance Management.

As per the arrangement, Aspen products will be distributed by Axiom Insurance.

The focus will be on marinas, yacht clubs, boat dealers, boat manufacturers and boat component manufacturers.

New York-based Aspen will offer property, inland marine, marine general liability, bumbershoot, ancillary hull and protection & indemnity coverages targeting small to medium enterprise businesses throughout the Continental US.

Aspen executive vice president and chief marine underwriter of US Rich Soja said that introducing new capabilities to their select distributors is part of their original product line expansion plan.

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A national independent broker-dealer is raising fees, including its advisor affiliation fee, starting Jan. 1, 2012, after two decades of maintaining the same rates.

LPL Financial plans to instate the following increases: for branches with 1-4 advisors, the fee will increase from $125/month per advisor to $175/month per advisor; for branches with 5-11 advisors, the fee will increase from $600/month divided by the number of advisors in the branch to a flat rate of $125/advisor; and for branches with 12 or more advisors, the fee will increase from $50/month per advisor to $100/month per advisor.

The broker-dealer said it has about 12,800 financial advisors.

The advisor affiliation fee was not raised for more than 20 years, according to LPL Financial.

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Today, more and more companies are making long term care insurance available. Long term care insurance is no longer just insurance for nursing home care, but is rather to help people live longer, more comfortably, and without draining a lifetime worth of assets.

Are shopping for long term care health insurance rates ? Just enter your zip code in the box above to get quotes in your area.

What is the definition of long term care?

Long term care is considered the care of individuals who have a medical condition that will ultimately result in death.

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The defense costs are usually very expensive, as you need to pay for the court costs, gathering of evidence, a lawyer, and a lot more. The total amount of costs actually depends upon what exactly you are trying to defend yourself against. It is important to be prepared even if you already feel or know that you are very innocent. Any time when you purchase the liability insurance, the defense costs are usually covered within the policy. The companies that offer the all-purpose liability cover work for protecting you against the accusations that you have caused harm to somebody else. Read full article…