Reader Mail

I am a business owner who provides services to local pet owners. How would I go about offering / selling / pet insurance to my customers? Would I need a similar broker's license to sell regular human insurance?     Answer: Each jurisdiction is likely to Read More...

I need your opinion on the indemnity period under a consequential loss policy - a machinery breakdown claim. In this case, a 60-megawatt power-plant, turbine alternator developed occasional vibrations. The problem was then solved.  After ten months the Read More...

How much is long-term disability and do I have to have short-term disability first?     Answer: In general, you would normally have short-term disability before purchasing long-term disability. Some companies may require you to have short-term disability Read More...

I live in a condominium complex in Venice, Florida. I have several questions. How can I find out if this complex is in a flood zone? I have been told that if the association itself does not carry a blanket flood insurance policy then I cannot cover my Read More...

I have a friend who lives in a horizontal property regime in New Jersey.  For the past 40-years each unit has been contributing an equal share to pay for one master policy for the common elements of fire and liability insurance.  Recently, several owners Read More...

I have three cars on my insurance. My son is using my third car. I am listed as the driver of the third car on my insurance. Do I have to tell the insurance company that my son is now driving the third car? He does not live at home.     Answer: In Read More...