quarta-feira, 22 de julho de 2009

Pandemic Flu: Key Tips for Protecting Businesses

By now, most business owners are aware of the global spread of the H1N1 flu virus. The World Health Organization has raised its alert to Phase 5, the second-highest level in its warning system, based on the continuing spread of the disease in the United States and the rest of the world. Based on the continuing spread of H1N1, it would not be surprising for the WHO to raise its alert level to Phase 6 to reflect this increased distribution.
The sudden outbreak is a reminder of how caution and disaster planning are critical to the ongoing viability of a business. While most businesses
cover their property in case of catastrophic fire or weather, many fail to plan for pandemic illness and what it affects most: their people. Now is the time to consider how to minimize infections among staff, prepare for a temporarily reduced workforce, and lessen the effect of other business interruptions. Nationwide is here to help.

Prevention and planning
Experts agree that, in the absence of a vaccine, prevention is the first line of defense during a pandemic. “Businesses should prepare now to prevent the spread of flu in their operations,” says Michael Moore, MD, Nationwide’s Chief Medical Director. “If you wait until the flu is in your workforce, or even in your town, you are already too late.”
Nationwide offers these important tips to lessen the spread of the flu and its potential impact on your enterprise. While no strategy is foolproof, these proactive ideas are effective and easy to implement:
  • Stay home. Anyone ill with flu symptoms should remain at home until they’re no longer contagious. As obvious as this seems, employees will often work through illness to prove their value to the company. In a scenario like this, it does more harm than good. (see “Managing your workforce,” below)
  • Wash hands. Ask employees to wash their hands with soap and water at least five times a day and use hand sanitizer to supplement hand washing. Make sanitizer readily available in public areas.
  • Keep clean. Use sanitizing supplies to clean shared areas and equipment, such as lunchrooms, door handles, elevator buttons, and copy machines. Encourage employees to sanitize their personal workspaces as well.
  • Plan ahead. Have a detailed plan in place to shift work hours. Remember that parents’ schedules will be affected by cancelled schools or daycares. To curb flu transmission, consider replacing in-person business meetings with teleconferencing. Allow employees to work from home if available.
  • Communicate clearly. Help your employees understand what’s expected of them, and how you’re responding to the situation. Set simple, but flexible, policies around alternate work sites and schedules.
  • Protect customers. Make sure service staff are healthy, and consider preventative measures like high-quality masks and gloves.

Managing your workforce
At a time when employees are working hard to protect their jobs, they should be reminded that if they do become ill, they need to stay home and get well. The trend of sick employees continuing to work, known as “presenteeism,” is on the rise and costing businesses millions in lost productivity. “Well-intended employees who drag themselves to work when ill will do more harm by exposing their fellow workers to the virus,” says Moore.
Be prepared to counter these well-intended behaviors with clear, reasonable guidelines. Review attendance and paid-time-off policies to ensure they don’t pressure sick employees to report for work. And set a good example yourself by staying home when ill.
Proceed with caution, continue to function
As authorities have stressed, H1N1 flu is cause for awareness, not alarm. Business owners should take the time to review their insurance policies to understand how they are protected, and how they are not.
Widespread absenteeism and the lost productivity, for example, would not be covered by standard business policies. Many business interruption insurance policies, while versatile, will not cover business owners for flu-related losses.
If you haven’t already, now is the time to contact a Nationwide insurance agent for a fast, free business insurance analysis and estimate. It’s OK to reach out for expert help. It’s the best way to be prepared so you can continue to function, even in the worst of times.

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Shopping for Mobile Home insurance?

Shopping for Mobile Home insurance?
Can you get great coverage for your mobile home at an affordable rate? Yes indeed! An application so long and complicated it makes your eyes water? No thanks! GEICO can help you get a mobile home insurance quote in a jiffy.
Mobile home insurance is similar to regular homeowner's insurance, but it's tailor-made for mobile homes, so you know you'll be getting the right protection. Looking for manufactured home insurance? You've come to the right place — it's the same thing.
Mobile Home Insurance Coverage
Mobile home policies cover the mobile home itself and a good number of your personal belongings. Plus, you could get liability coverage to help cover certain types of accidents on your property. Sure it had a great shine, but maybe that kitchen floor was still a tad too slick when the neighbors showed up for that surprise visit!
Want to know more? You bet — you can
get more details on mobile home coverage online or call us at 1-800-841-2964 to speak to an agent.
Payment Options
Not only is mobile home insurance affordable, but many convenient payment options are available. Get a quote online or give us a call at 1-800-841-2694 to learn more.

Condo & Co-Op Policy Coverages

Protecting Your Valuables
Ah, the joys of a single family home: mowing the lawn, shoveling the sidewalk, cleaning the gutters, and taking out the trash, just to name a few!
OK, so while you still have to take out the garbage (we’re guessing you’re not a fan of flies), there’s no doubt about it — the convenience of a condo or co-op is tough to beat! But if you own one, chances are that the master policy purchased by the condo association or co-op corporation does not protect your personal items or the interior walls of your unit.
Our condominium / co-op insurance quotes are free; see how affordable this protection can be today!
Condo & Co-Op Policy Coverages
A Condo / Co-op policy helps protect your personal property from a variety of losses such as fire and theft. In addition, condominium policies include liability coverage for certain kinds of accidents, such as a neighbor slipping on a wet floor in the kitchen.
These policies also protect the interior walls and fixtures (such as cabinets) of your unit, whereas the master policy typically covers the outer structure. Besides, you didn't really want to have to go shopping for new roofing shingles anyway, did you?
Want to learn more? Visit our online information center to
learn about condo insurance and co-op insurance, or call us at 1-800-841-2964 to speak to an agent who'll be happy to break it all down for you.
Saving A Little Dough - Discounts And Special Programs
Many discounts are available on condo and co-op policies, especially for certain safety features. For example, you may qualify for a discount if your unit has deadbolt locks or a monitored alarm system.
Payment Options
Several convenient payment options are available so you can take care of your bill in no time at all!

Boat Insurance

Boat Insurance – Made Easy
Whether you have your boat tied to the dock or snug on your trailer, you want to make sure it's covered. Then, when you head out to open water and set yourself adrift at a favorite fishing spot, you're covered there too.
We can help you secure a boat insurance quote that'll bring a smile to your face. Go ahead and start a
free boat insurance quote right now!
Wondering About Boat Discounts?
Everyone wants to stretch their dollars a little further. Give us a call at 1-866-818-1019 to check on discounts you might be eligible to receive. Discounts may include these choices:
Optional winter lay-up for those cold days in dry dock.
Fresh water use only for the non-seafarers.
Have a squeaky clean driving record? That's a plus.
Passed a boating safety course? Don't forget to tell us.
Great Coverage On The Water Or At The Dock
You want to protect your boat first and foremost. You can purchase boat coverage to keep you protected from physical damage perils and personal liability. Make sure to read through the details of your policy for items that are not covered. Learn more about
boat insurance coverage.
Tell Me About Personal Watercraft Insurance
Did you know that GEICO offers personal watercraft coverage as well as boat insurance? We realize that many boat owners have more than one toy for the water and we can help you secure coverage for each and every one. Learn more about
personal watercraft insurance. Or, give us a call at 1-866-818-1019.
Payment Options
You can make your payment conveniently with a credit or debit card, or with an electronic check from your designated bank account.

Renters Insurance

Own Peace of Mind with Renters Insurance
If you're shopping for renters insurance-congratulations on your wise decision! All too many people find out too late that their landlord's insurance policy doesn't protect their personal belongings. You're smart to seek coverage now. And you've come to a great place to find affordable renters insurance. Go ahead; get an
online renters insurance quote right now!
Renters Insurance at a Glance
Sometimes called apartment insurance, a renters insurance policy helps protect the personal property you keep inside your residence, including:
Most policies also provide liability coverage, which gives you financial protection if someone is accidentally injured on the rental property. Find out how affordable renters insurance coverage can be.
Get an online quote.
Need more information? Visit our
Renters Insurance information section or call us at 1-800-841-2964.
Our licensed insurance agents are available to answer any of your questions, or to help you with a renters insurance quote, during these hours (EST):
Renters Insurance Sales Department Hours (EST)
Monday – Friday
7:30 AM – Midnight
8:00 AM – 9:00 PM
8:00 AM – 7:00 PM (EST)
Watch Your Rates Fall with Renters Insurance Discounts
Once you get a renters insurance quote through GEICO, you'll see how affordable it can be. And with the many discounts available, you're likely to save even more. You may be eligible for a discount if your residence has:
interior sprinkler systems
staff responsible for watching who comes and goes from the building
smoke alarms
burglar alarms
To find out more about renters insurance discounts,
start your free quote or call us at 1-800-841-2964.

Motorcycle Insurance Quote

Before You Get Your Motor Running, Get a Motorcycle Insurance Quote
Rev up your savings with motorcycle insurance from GEICO. No matter what you own – a sport bike, cruiser, standard, touring bike, or a sweet custom ride you can turn to us for great rates and the best coverage. We even offer scooter insurance. Enjoy the freedom of the open road knowing that the gecko's got your back!
Get free motorcycle insurance quotes anytime.
Why Choose GEICO for Motorcycle Insurance?
Thought that GEICO was all about car insurance, did you? Think again! We take motorcycles as seriously as you do, and we're pleased to provide you with top-quality coverage for your bike. With GEICO, you get:
Outstanding customer service (rated 4.7 out of 5 by our motorcycle insurance policyholders).
Affordable premiums and flexible payment plans.
Secure online payment and account management.
24-hour access to our licensed insurance professionals at 1-800-442-9253.
Get a motorcycle insurance quote and see what GEICO can do for you.
Need more convincing? See what our
current customers have to say about our motorcycle insurance.
Supersize Your Savings with Discounts
Shave even more off of your premium. GEICO offers a variety of motorcycle insurance discounts to maximize your savings. Save with our many discounts if you:
Transfer your motorcycle insurance to GEICO® Motorcycle, underwritten by GEICO Indemnity Company.
Insure more than one motorcycle.
Renew your motorcycle policy.
Complete a
Motorcycle Safety Foundation or Military Safety Course.
Insure your car with GEICO.
Are a mature rider.
Get a quote to find out how much you can save on your motorcycle insurance.
Choose Your Way to Pay
With GEICO, you can choose from many different ways to pay your motorcycle insurance premium. Pay all at once, pay monthly, or break up your payments into 4, 6, or even 9 installments. Whatever works best for your budget works best for us. Find out more about all of the
payment methods available to you.

Do I Have to Accept the Insurer’s Offer on a Totaled Vehicle?

Do I have to accept the offer my insurance company gives me on my totaled vehicle? The accident was not my fault, and I have received the necessary paperwork to surrender the title of the vehicle to the insurance company.
No, you are not obligated to accept an insurer’s offer on a totaled car. For one, your state will have specific regulations governing car insurance claims that are intended to protect consumers from being shortchanged by insurance companies. You can find a list of your rights in this situation by contacting your state’s department of insurance. Secondly, you should look over your policy for what is usually called an appraisal clause. This clause is designed to settle disputes fairly when you and your insurer cannot agree on a value for a totaled vehicle. Typically, this clause gives you the right to an independent appraisal, which you pay for out of pocket. An independent party appointed by both the insurer’s appraiser and yours then compares the two values to decide which is fair. You do not have to surrender the title to your insurance company until you’ve agreed on a mutually acceptable value for your car.

Esurance and Full Coverage

Is Esurance full coverage insurance?
Yes, Esurance does offer full coverage car insurance. Esurance offers a variety of insurance products, including auto and motorcycle insurance. Traditional policies usually include collision, liability, and comprehensive coverage. Keep in mind that how complete your insurance policy is will depend on your individual needs. For example, full coverage for you might not entail medical payments coverage because you already have a quality health insurance plan. Similarly, if you have a large amount of assets, you might require higher amounts of liability protection in order to fully protect your financial well-being.

When You Should Switch From Full Coverage to Liability

Do I really need to have full coverage car insurance or should I switch to liability only to save money?
When you are choosing car insurance, it can be confusing and even overwhelming. There may be many options and terms that you are unfamiliar with. You can understand car insurance a little better by familiarizing yourself with two major types of coverage. They are Full Coverage and Liability.

Full Coverage Insurance
You may hear a lot of car insurance companies recommending that you get Full Coverage car insurance. This can be very beneficial depending on your situation. Full coverage insurance covers your car if you are in an accident. Whether it was your fault or the other driver’s fault doesn’t matter. Your car will be covered. There are two parts two full coverage car insurance. One is Comprehensive Insurance and the other one is Collision Insurance. Comprehensive Insurance covers you if damage is caused to your vehicle by anything else but another vehicle. Collision Insurance covers you if you are hit by another vehicle whether it was your fault or not.
If you are still paying on your automobile Full Coverage may be the best option for you. Also if you are purchasing a new vehicle, your finance company will require that you get Full Coverage car insurance in order to keep the loan. If you happen to be finished paying for your vehicle and are a safe driver you may want to consider Liability insurance. However, if you have a teenager who will be driving your car or a person older than 75 driving your car, you may want to keep Full Coverage car insurance on your car.
Liability Coverage Insurance
This type of insurance only covers you and any damage you’ve have done to the other vehicle. If you were to get into an accident and it was your fault, Liability Coverage will cover the driver of the other car, any property you may have damaged and the driver. It will not cover the cost of your car. Therefore, if you choose this type of insurance it is best that you feel confident in the safety of your driving and are finished paying for your car.
If you are trying to decide whether switching from Full Coverage car insurance to Liability car insurance is right for you, you should ask yourself a few questions. Am I OK with replacing my car by myself if someone hits me and doesn’t have insurance? If any thing else happens to my car, such as fire, am I able to pay for another car? Am I confident in my driving skills? These questions will help you confidently choose the right coverage for you.

Full Coverage vs Liability - Which Is Better

At the opposite ends of the car insurance spectrum are full coverage and liability only. In reality, there are many steps in between these polar opposites and there are even multiple levels of full coverage and liability only. However, car insurance can best be understood by first fully comprehending the differences between these two extremes.
Liability Only Car Insurance
Car insurance is regulated at the state level, and therefore, each state has its own guidelines concerning the minimum car insurance coverages that are required. One thing that is for certain, though, is that all states have laws regarding the minimum amount of liability coverage you must have in order to legally drive your vehicle. But what is liability coverage? It is insurance that covers damage you cause to other people (outside of your car) and their property.
State minimums are expressed in three parts. For example, Colorado's legal minimums are 25/50/15. The first number refers to the maximum amount your insurance company will pay for injuries sustained by a single individual, per accident; the second number refers to the maximum amount your insurer will pay for all injuries in a single accident; and the third number is the maximum amount your insurer will pay for property damage, per accident. So for
Colorado, this translates into $25,000 of bodily injury coverage per victim; $50,000 of bodily injury coverage per accident; and $15,000 of property damage coverage per accident.
Keep in mind that these are the state minimums - it may be wise to carry coverage in excess of them. Keeping with the Colorado example, if you were in an accident that caused $100,000 in bodily injury damages to another motorist, your insurance would only cover the first $25,000. For the other $75,000 the injured motorist could come after you! This may or may not apply in so-called "no-fault" states, of which there are 12.
Full Coverage Car Insurance
What is known as "full coverage" is actually two forms of coverage on top of liability - comprehensive coverage and collision coverage. A motorist can elect to have comprehensive coverage without collision, but not collision without comprehensive. A car insurance policy with liability and comprehensive coverage would be something in between the legal minimum and "full coverage."
Comprehensive coverage is sometimes referred to as "other-than-collision" coverage, or OTC. Obviously, it covers damages to your vehicle that arise from something other than a collision. Examples include theft, fire, weather damage, etc., but the insurance companies confuse the issue by including accidents with animals as part of comprehensive coverage, rather than collision. The logic behind this is that comprehensive is designed to cover things that are less likely to be your fault.
Collision coverage is an optional add-on to comprehensive - although it isn't optional if you still owe money on your car! Finance companies require borrowers to carry full car insurance coverage on their vehicles.
Getting Something for Your Money - That's the Name of the Game
Too many people look at insurance as an annoying expense. In reality, it is an investment - a financial product - and it should be viewed as such. Whether you want liability only, full coverage, or something in between, you need to make sure you are not paying more than you have to for the coverage you need. The best way to ensure you're getting a good value is by comparison shopping online. In many cases, customers are able to save money while simultaneously increasing their coverage.