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Archive of posts published in the category: Insurance

What are the Benefits of Group Insurance?

calgary group insurance rogers insurance

calgary group insurance rogers insuranceThere are many who ask regarding the benefits of having Calgary group insurance. The thing is that this form of insurance really depends on how you see it. This is because an employer will see it more differently than how an employee will see it. This is why in order to properly expound on the benefits of group insurance, it is proper that it be explained on the perspective of both employer and employee. Through this, you will have a much wider view on who to perceive group insurance. After all, when viewing group insurance, you may either be an employee or an employer.

Employer’s Perspective – in the past, benefits were given to employees who have become permanent. Aside from their hourly or monthly salary, extras were being given to employees to help make them stay. This included dental coverage, health care, disability, and even floating holidays. These benefits are very attractive and have indeed helped in keeping good employees. Recently though, these benefits of group insurance have become quite expensive for employers and they try to avoid additional expenses. To overcome this expense, the start contracting workers in order to avoid having any permanent workers. Having workers work only on a contract basis means that they avoid having to give benefits to their workers.

Employee’s Perspective – there are no employees that does not like group insurance. By having a group insurance, many of the bills being covered by the insurance are either cut in half or in some instances are covered by the employer or insurance. The employee will be happy to know that their dental and part of their prescription medications are covered. Having a group insurance means that employees tend to take care of themselves better by taking advantage of the benefits brought by the group insurance. However, higher claims sadly results in higher costs for the company. This forces some companies to review their compensation program and see only what are truly fit for the program.

These days, insurance companies that provide group insurances now have specialized benefits. Group insurance Calgary provides group insurance that benefits both employers and employees, but without posing too much restrictions on the benefit side. If you are looking to get group insurance for your company, you may want to look into Calgary insurance companies because they provide the best insurance and are considered by many as one of the best insurance providers.…


Why Insurance Is Important For Your Home

When you have a home, you will want to buy insurance for your home as this serves as your protection for your home against theft and damage as well as liabilities that you may have.  Home insurance is said to be a combination type of insurance because it combines the insurance policy of liability along with damage and theft.  If you have home insurance, you will feel protected because you have the backing of your insurance company should there be any mishap that happens to or within your home that may warrant you with claims on your home insurance.

Of course, when buying home insurance, it is important to understand that there are different coverage available for home insurance.  When buying home insurance, you need to be particularly wary of the insurance coverage you choose and buy because in the end, this will mean the difference of being able to made claims.  For example, one of the standard coverage for home insurance is damage against hurricanes.  This means that if your home gets damaged by flooding, even though it is the hurricane that has brought the flooding, you will not be able to make any claims from your insurance company.  This is the insurance importance of having the right coverage.

imagesIf you are securing home insurance, these days, you have the option of getting your home insurance online.  Many insurance companies now have online presence and allow you to buy insurance from them using their website.  Transactions are very secure.  After all, if you value protection, so does you insurer as they always value the security of their clients and policyholders.  Of course, if you are not used to buying insurance online, you can still do it the traditional ways – from an insurance agent or an insurance broker.  How you chose to buy insurance is up to you.  What is important is that you are able to protect what is valuable to you.

The truth is that insurance is important not just for the home, but for all the things that you value or find very important to you.  Having insurance is basically your leverage from an uncertain loss.  It lowers your risk against potential vulnerabilities where you do not have any protection from.…