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As the popularity of Farmers Markets continues to grow – the USDA estimats there are approximately 7,175 markets in 2010 – farmers market associations and market managers are starting to insist that all participants have a commercial general liability insurance policy. Unfortunately, not many insurance companies specialize in this coverage, and farmers market managers and vendors do not understand much of the insurance industry’s jargon. A basic market or vendor insurance policy...

Homeowners insurance is intended to provide cover for sudden damage caused to your home by an accident or disaster. Your Florida house insurance policy doesn’t provide cover for the cost of home cleaning and home maintenance; the policy will therefore not cover the cost of removing mold from your home unless the mold results directly from a covered peril such as water damage during a storm or a burst water pipe. If you want to avoid mold it’s essential to keep on the lookout for watermarks or...

For thousands of years gold has been the foundation of most national currencies up to the second half of the 20th century. Raw gold is an extremely stable store of value because of its desirability and tendency not to rust or corrode over time. gold has proven to be a profitable investment in the past, and hopefully it will continue to be stable source into the future. Gold is not only an investment but it can also be a form of savings in case you need the money. It is like an insurance policy that...

In the world we live in today, we need some sort of risk management to protect us from everyday incidents and occurrences. And the risk management we have and need comes in the form of insurance. There are so many different types of insurance available, the most typical probably being automotive insurance. Vehicle insurance, in exchange for a monthly premium, will pay valid claims arising from an accident or collision. Premium, claim? What do these things mean? I know from first-hand experience that...

When you get a product or service for cheaper than you expected, you instantly expect that the product is below standard or that there’s some or other catch that you must be aware of. And in a lot of cases, the milk or low fat yogurt that you bought on special went sour in a day or two and the pair of trousers that was marked down by 50% shrunk following the first time you washed it. Does the same go for budget insurance? If insurance prices are too good to be real, it’s likely that it...