Flying Solo Taking Personal Health Insurance

Flying Solo Taking Personal Health Insurance

To date, most people have health insurance through their employers. Their company works to choose the provider and the set of options within the company, and that is given to their employees. Fewer people have group coverage today due to economic reasons and health care costs and improved medical procedures. As more companies cut their health care programs, more people are discovering their own individual health insurance plans. Although it takes a little time and research, there are many advantages to choosing your own plan. Flying Solo Taking Personal Health Insurance
Selection

Flying Solo Taking Personal Health Insurance

With an individual plan, you can choose the provider, options, and details that work best for you and your family. There are seemingly endless options offered by many organizations, and many people who may or may not qualify for a health insurance company are forced to find their own service provider that meets their needs.

Freedom

The ability to change plans and companies is important to many people, because trying different options may be part of the process of finding the right one. In addition, if you have your own health insurance, you do not have to worry about losing coverage if you change jobs or lose jobs. This allows you to choose a job based on your wants and goals, not on the benefits you receive. Flying Solo Taking Personal Health Insurance

Independence

When you go with group insurance, you allow your boss to have control over your health care choices. For example, many women want access to birth control but are under group insurance that does not cover birth control. With an individual plan, you can meet your coverage of your own values ​​and priorities.

Doctor

Many group plans only allow you to see a particular doctor; With individual coverage, you can see a doctor you trust and visit a hospital you already know.

Who Gets Individual Health Care?

As mentioned above, fewer entrepreneurs are currently offering group insurance than in the past. Traditionally, individual plans are reserved for people who are in the workplace, self-employed, refreshed from their parent’s coverage, or who only work for companies that do not offer coverage (whether or not they offer at all or are ineligible employees). Currently, the number of people working for the company without the coverage grows, so does the number of entrepreneurs.

Group health insurance generally has a partial or full benefit funded by your employer, but can keep you in an unsatisfactory job for fear of losing coverage and can also get you stuck in a situation that does not meet all your needs. Many people feel overwhelmed when presented with the various providers and plans that each offer. When considering moving to an individual plan, it may be worth trying to work with a local agent to find what suits your needs, both medically and financially. Flying Solo Taking Personal Health Insurance

10 Reasons to Buy an Independent Life Insurance

10 Reasons to Buy an Independent Life Insurance

Your employer may provide life insurance coverage as part of a group plan, and you may be fine with it. However, there are several reasons why your group insurance is not sufficient. Here are 10 main reasons why you should talk to insurance companies about West Palm Beach life insurance purchases independently.

You never know what will happen

10 Reasons to Buy an Independent Life Insurance

Unfortunately, you never know what will happen to you. Anything can happen anytime. If the worst happens, and you are not ready for it, then your loved ones will be left paying all your fees and bills.

Replace your Earnings

If you work at the time of your death, your family will probably need that income to live. A complete insurance policy will help your family recover once you have died by giving them the income you will carry over your life.

Your Funeral is Not Free

Funerals can cost up to $ 10,000 and sometimes even more. Money from your life insurance policy can go to pay this fee, or your family can pay for it. When it comes to that, you may want your family not to worry about funeral expenses.

Protect Your loved ones

Throughout your life you have worked to protect your family. You still want your family to be taken care of after you die. This is what life insurance will do for you. If they have to get on with their lives without you, then they should be able to do it the same way they used to.

You Can not Take It With You

The hard truth is that you can not carry your things with you, but there’s something else left behind when you die: your debt. Regardless of how much you have, this is a debt you may not want to pass on to your loved ones.

Protect Your Business

If you think that life insurance is just for you as an individual, you will be wrong. Life insurance will also keep your business protected from financial losses and liabilities.

Keep Up Your Pension

One thing that many people do not know is that you can actually use your life insurance to extend your retirement savings. If you play your cards correctly, you can put your money into annuities that pay a steady income each month for the rest of your life.

Use Common Sense

Life insurance is just a smart financial move. This is considered a financial asset. Your assets increase your net worth and your ability to get loans and credits. In addition, creditors can not touch protected policy funds even in the event of bankruptcy.

Be Charitable

One of the other benefits of having an independent life insurance policy involves your ability to get your insurance money to go further. A life insurance policy allows you to reward a charity after you die that is far greater than you can give to your own money.

Have a Pure Peace

The biggest reason to invest in a life insurance policy is for your own peace of mind. Although the funds from your life insurance policy will never be enough to replace you, life insurance can protect your family from undue financial difficulties after you leave.

Many people do not realize the importance of West Palm Beach life insurance policy. Having an independent insurance agent helping you find the right life insurance product for you can ensure your family and loved ones are protected after you die. 10 Reasons to Buy an Independent Life Insurance

The Military Might of Burgundy: Château de Bazoches

The Military Might of Burgundy: Château de Bazoches

One of the best but frequently overlooked ways to see Europe’s sights is by water. There’s nothing like cruising in a hotel barge and immersing yourself in the local scenery and culture, especially when there’s so much to see all around you. Join us aboard L’Art de Vivre on a journey through Burgundy, and soak up some of the finest attractions that France has to offer.
For lovers of France and military history alike, L’Art de Vivre will take you exactly where you’d like to go. The Château de Bazoches is a treasure trove of historical interest, military prowess and elegant architecture.

 

Back in Time

Dating back to the twelfth century, the grand château was originally built on a Roman site, overlooking the Morvan landscape. The estate itself originates from the fashionable antiquity of the seventeenth century, as evidenced by its magnificent architecture. Walking through its halls, you can easily imagine the courtiers of King Louis XIV strolling past you.

A True Genius

The most famous owner of the château is Sébastien Le Prestre de Vauban, widely renowned for his military genius. He purchased the estate following his enormous success in the siege of Maastricht, for which Louis XIV rewarded him with a large sum of money. His home became the headquarters for his strategic and fortification designs, which were widely respected and used by many French cities for over a century.

Ahead of his time, Vauban understood modern advances in technology and weaponry, making him a master of military planning. He would use intricate miniature ravelins, bastions and moats to further his ideas, and became a pioneer of the bayonet rifle, the iron-barrelled cannon and the mortar. His prowess in military engineering and strategy was unparalleled, so it’s no surprise that over 300 cities in France feature his designs, including Lille, Dunkirk and Bayonne.

Luxury Libraries

Château de Bazoches is also home to an extensive library, which contains over 5,000 books and is a must-see for literature enthusiasts. Vauban himself had a passion for literature, and penned his famous Royal Tithe during his time there. Unfortunately, his written criticism of the upper classes and the inequalities of the taxation system cost him his royal favour, causing him to fall from grace for the rest of his life.

Further Information

If the rich and varied history of this grand Burgundian house sounds too good to be true, what are you waiting for? European Waterways will take you on a luxury hotel barge cruise and ensure that you take in all of France’s best sights. For more information, don’t hesitate to explore our website or get in touch with our friendly team of experts.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury hotel barge holidays in France. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience.

Sport Calls Inviting Customers To Explore The New Range

Sport Calls Inviting Customers To Explore The New Range Nike Mercurial Superfly Soccer Cleats Available

There are many football fans who know about the quality and outstanding features of Nike Mercurial shoes. They are now also able to purchase these excellent football shoes at a low price from the Sport Kick online store and can also ensure free shipping on their doorstep.
This online store brings the adorable collection of Nike Mercurial Superfly, which includes the new FGG FG 2017. Newly released soccer football comes with a Nike 3D speed plate, so players can achieve tremendous speed and improve their performance. Superfly shoes are a hot favorite amongst top soccer players like Cristiano Ronaldo and can now show off Ronaldo’s style with Nike Mercurial Superfly shoes. Nike has designed these superfly shoes to attack players who want to play football at high speed. Sport Calls Inviting Customers To Explore The New Range Nike Mercurial Superfly Soccer Cleats Available

 

Players who want to bring a storm of lighting to their natural game can take Nike Mercurial Superfly V CR7 shoes from online stores at a discount. These shoes are very beautiful with their super pieces and are better suited for attacking game games on the grass field. Superfly V CR7 is often exhibited by the attacking elite players and they love to wear these shoes for their dynamic shirt collar that locks the legs in place. The shoe comes with a sturdy single plate that guarantees extraordinary speed and dynamism with better stability.

Football lovers can not resist the looks and style of the Nike Mercurial SuperFly V FG Neymar which is now available for a bargain price at the Sport Kick web shop. These shoes are known to give extraordinary touch and incredible speed where players can hit the ball to score goals. The innovative Flyknit wraps completely cover the legs and one can walk at top speed on the playground. The shoes are named according to Brazilian strikers and customers can now think of playing soccer like football that started with Nike SuperFly V FG Neymar at their feet.

One can check the entire collection of Mercurial Superfly series of available shoes at a low price on the website Sport Calls Inviting Customers To Explore The New Range Nike Mercurial Superfly Soccer Cleats Available

Introduce Young Learners to the Opal Coast

Introduce Young Learners to the Opal Coast

For teachers planning school trips to France, a clearer option such as Paris certainly holds much appeal in terms of their historical depth, culture and accessibility. However, this is not the only objective to consider: The beautiful Opal Beach, which covers the region from Picardy to the Belgian border, provides some excellent options for school trips to France with a focus on subjects such as history, language, or science. Introduce Young Learners to the Opal Coast
The Value of Education for Getting to Beaten the Ticket

There is much to say to bring students to destinations that have not been so touched by modern tourism traps. Exploring Opal Beach will allow deeper levels of intimacy with people and cultures, and expose students to languages ​​and cultures at a comfortable pace. The beauty, tradition and authenticity of the Opal Coast make it an absolute gem for groups of all ages.

Come out in Nature

In addition to its historical and cultural cache, Opal Beach is an area of ​​outstanding natural beauty. For young students on a school trip to France, the opportunity to get out into the coastal environment can offer a warm welcome and help build a profound appreciation of the flora, fauna and spectacular scenery that determines this beautiful region.

To find a different side to nature, a visit to the impressive French National Marine Life Center, also known as Nausicaa, provides an introduction to the diverse marine life. Nausicaa is the largest aquarium in Europe and provides an interactive and highly entertaining experience for children. Introduce Young Learners to the Opal Coast

Engage in history

This coastal region has been an important history for centuries – not only to France but also to the rest of the world. From this coast Julius Caesar invaded England in 55 BC, and the area also played an important role in the second battle of the world war. There are many relics that continue to bring past lives for young students, including the 1916 Somme Museum in Albert, Hitler’s podium rocket at La Coupole, and the Mimoyecques Fortress in Calais.

Find the Authenticity

Not just history students who can benefit from traveling to this area on a school trip to France. The small traditional fishing town that forms the shoreline is an ideal situation for young people to discover their first taste of French language, culture and cuisine. In this relaxed and less touristy atmosphere, the experience is often more authentic and generally less intimidating. Students can practice their beginner language skills with local market vendors, and friendly and always positive responses help them grow in confidence to interact more. It is also an opportunity to expand their appetite to include some regional delicacies to the source.

Though less well known than the larger tourist towns, the Opal Coast is no less important for students in terms of native cultural experience. His ability to facilitate curriculum-based curriculum learning opportunities across a range of subjects provides tremendous educational value potential.

John Gardiner is Managing Director of The School Travel Company, a tour operator specializing in travel for school trips to France and educational tours for school and youth groups to the UK, Europe and beyond. As a father and avid traveler, John is keen to provide students with a valuable and exciting learning experience outside the classroom. By sharing expert advice with teachers, he allows them to inspire their students and continue their studies into life. Introduce Young Learners to the Opal Coast

Dubai Dermal Filler – Dubai Neck Lift Surgery Can Restore

Dubai Dermal Filler – Dubai Neck Lift Surgery Can Restore

There are some important things you need to know about Dubai dermal fillers before you can actually choose this procedure. There are many problems that can be fixed when using dermal fillers. However, the most important aspect that is discussed and eliminated when using dermal fillers is facial aging. Aging is something we can not avoid. We will all face this stage of life. But we can certainly take some steps to eliminate the effects of aging. Aging is something that most often appears in our face area. Because of aging, the volume of facial muscles begins to disappear and disappears. For this reason, the deep creases, wrinkles and lines that stick to your face appear. This deep wrinkle can even flow from mouth to nose and this is also called laughter line or nasolabial folds. When using dermal filers, these deep folds can be eliminated easily. People who use to suffer vertical lines and thin lips can also find great relief from this problem through Dubai dermal fillers.
Through this method, chicken augmentation can be done. And once this is done, the young look can be recovered for someone. If you are depressed or hollow under your eyes, then dermal fillers can remove the problem in the best way possible. Sometimes a scar can appear after being infected with chickenpox or acne. This scar can even appear as the surrounding skin area. Dubai dermal fillers are a great method to treat and eliminate the scars.

Dubai Dermal Filler – Dubai Neck Lift Surgery Can Restore

The first body part that can suggest more about aging is the area of ​​our neck. As the neck is covered with soft skin, this part of the body can lose its elasticity rapidly than other body parts. This eventually makes a person look tired, old and tired. It can also hinder a person’s overall physical appearance. Well, there’s always a way to solve this kind of problem. This is a Dubai neck lift operation through which this type of problem can be handled in the most successful way. It is a kind of cosmetic surgery procedure that allows us to reap huge benefits while reversing the effects of aging that have affected your overall look and feel. Dubai’s neck lift operation can achieve tremendous results for you.

But before you go for this you should know some important facts first. Through this method, the skin around the neck can be tightened properly while letting the patient enjoy the young appearance once again. Through this process, the skin around the neck can be pulled back with surgery and so it becomes tight once again. This type of surgical method can also be implemented in conjunction with face lift surgery. Through Dubai’s lifting surgery, excess skin, band line, as well as fat-like problems can also be eliminated successfully. In this way, the overall shape and appearance of the neck can be recovered easily.

Dare to Dream of a White Christmas in Courchevel

Dare to Dream of a White Christmas in Courchevel

Imagine waking up to a scene of snowy mountains and pine trees capped with a fresh dusting of snow on Christmas morning. Well, if you book a ski holiday to Courchevel for the festive period, this is exactly what you and your kids can expect!
In addition to enjoying a perfect winter wonderland, you and your family will be able to enjoy many festive activities in the resort, ranging from fantastic French-cooked Christmas dinners to a torch-lit descent for the kids to enjoy when the sun goes down.

 

The best part is that all of this couldn’t be easier to reach from the UK, as there are regular flights to Geneva from most UK airports, as well as excellent transport links from Geneva to Courchevel.

Courchevel for Families

While the exclusive Courchevel resort of 1850 is a perfect destination for many couples and ski enthusiasts, families with young children may prefer the lower resorts of 1550 and 1650, which are smaller and have a more family-friendly and intimate feel.

All of the resorts have their own children’s ski schools (I highly recommend learning with the French ESF – let them know that your children are English, and they will put them in an English-speaking class). What’s more, there are nursery runs, snow playgrounds and beginner slopes in each of the resorts.

When you venture away from the slopes, you’ll find that there is as much to do off as on the snow. For example, why not take the family ice skating, bowling or to the cinema?

What to Expect During the Festive Season

As you make your way from Geneva to Courchevel, you’ll feel the excitement of your children growing when you drive into the heart of a Narnia-esque landscape of snowy mountains and pine forests.

When you reach the resort, you’ll discover that the French embrace the magic of the festive season just as much as we do back home. The high streets in all of the resorts sparkle with Christmas lights, giving the entire area a truly magical feel.

Festive treats are likely to include carols and fireworks, traditional markets, a parade, tons of hot chocolate and live music events, as well as traditional Christmas meals in its many restaurants.

Highlights for 2017 include a torch-lit descent that’s led by ESF instructors and that features Santa as a special guest, as well as a special Boxing Day luge event.

Lastly, don’t forget that you’ll also be able to ski on Christmas Day. All of the resort’s lifts and pistes are open all day. Who knows – you might even discover Santa practicing his carving turns!

How to Get There

The resort is served by four airports during the ski season: Chambery, Lyon, Grenoble and Geneva. For the most regular and stress-free connection, choose a flight to Geneva with providers such as easyJet, British Airways, Swiss International or Air France.

For a completely hassle-free way of getting your family from the airport to your resort, simply book an airport transfer with Shuttle Direct before you leave home.

Let us know how many of you will be travelling, how many child seats you will need, and what ski equipment you will be carrying, and we’ll meet you at the airport with the perfect transport for you and your family.

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Discover Ireland’s Grand Canal on a Barge Cruise

Discover Ireland’s Grand Canal on a Barge Cruise

For your next holiday, take a barge cruise down the Grand Canal and travel from Dublin to Shannon to discover all Ireland has to offer. You can admire the gorgeous green countryside and delightful little cottages that line the waterway, while diving into its interesting and intricate history as a commercial route which allowed the surrounding towns to prosper.
Length and Route

 

The Grand Canal in Ireland extends for 117 kilometres. Passing through Leinster, it flows from Ringsend in Dublin to the Shannon Harbour in County Offaly. This is the main route, built to connect the capital city with the country’s midlands. The waterway does also have another run that spreads from Lowtown in Couty Kildare to the River Barrow in Athy. There are also various branches that link up with four other towns, though it’s worth mentioning that your barge cruise will probably stick to the main route.

Along the way, you can enjoy beautiful views of Irish towns and villages with their charming little cottages, while admiring the many bridges that arch over the smooth water. The fauna and flora also remain untouched, with grassy towpaths and side roads lining the waterway and adding to the iconic Irish countryside feel.

History of the Grand Canal

Though the canal was closed to commercial traffic in the mid-twentieth century, it has since been restored to its former glory and regularly welcomes a variety of boats and barge cruises. It still features the original 43 locks, five of which are, from an engineering point of view, particularly interesting as they are double locks. Back in the day, these would have allowed the traffic to move faster as two boats can pass at once and there’s more chance of reaching a lock that’s in your favour. The lock-keepers’ cottages have also been refurbished to celebrate the history of this canal…

Relationship with The Guinness Factory

…And what a history it is! The Grand Canal played a crucial role in the creation and development of the Guinness factory. In 1759, two years after the construction of the canal began, Arthur Guinness founded his famous brewery. Thanks to the waterway, he could transport heavy loads of the raw materials he needed far more cheaply and effectively than by road. It was also an ideal way of exporting his finished product. When you pass through the eighth lock on a barge cruise, keep your eyes peeled for the Guinness filter beds which are still used by Arthur’s company today.

Impact of the Famine

In the first half of the nineteenth century, Ireland’s economy began to fail. As people lost their jobs, the Commission for Public Works set them to work on creating the canal. This was a successful scheme until the potato crops failed and the Great Famine broke out. Work had to be halted as labour became scarce. Eventually, trade and commerce on the canal declined, particularly as the construction of the railroads had just started.

By the 1980s, the Grand Canal had become something of a dumping ground. Thankfully, in 1986 it received a funding injection that sought to rejuvenate the canal and restore it to its former glory. Today boat traffic from barge cruises has increased and thousands are able to enjoy this historic waterway.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge cruise itineraries. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience.

The Anatomy of an Archipelago

The Anatomy of an Archipelago

For anyone with an interest in natural history, the group of islands collectively known as the Galapagos Archipelago is one of the most fascinating places on the planet. The region is renowned for its unique wildlife and the vital role it played in naturalist Charles Darwin’s research, from which he developed his revolutionary Theory of Evolution.
While the majority of visitors on guided Galapagos holidays arrive to experience a close encounter with the iconic wildlife, learning a little of the area’s geologic history can enrich the experience even beyond expectation.

 

The Anatomy of an Archipelago

The most common way for an archipelago to form is through constant volcanic activity. (They can also form from continental islands, due to erosion or evaporation of water.) Volcanic archipelagos can form in the ocean and in rivers or lakes as they erupt on beneath the surface of the water. When oceanic, the resulting land masses are known as an “island arc”. In many cases this forms as a result of a “hot spot”, in which parts of the Earth’s crust (tectonic plates) continually shift and create friction.

Where two tectonic plates meet and create a hot spot, magma (red-hot molten rock) can push through the sea floor to create an underwater volcano. As tectonic plates continue to shift over the hot spot, the constant eruptions cause lava to build up and up over millions of years until they emerge from the surface of the ocean to create an island.

In some cases, activity ceases when the tectonic plate eventually moves away from the hot spot. But in others, for example in Hawaii and Japan, the island chains continue to evolve, with many of the volcanoes still active today.

The Geology of Galapagos

The Galapagos Archipelago was formed through the repeated movement of the Nazca tectonic plate over millions of years. As it took place over such a long time period, the eastern islands in the chain are actually millions of years older than some of those in the west. The younger ones, like Isabela and Fernandina, for example, are thought to only be around a few hundred thousand years old, and are still in formation today. Some of the older ones, like San Cristobal and Espanola, may be up to five million years old – still relatively young in the history of the world. With the exception of Isabela (which, as the largest, is made up of six), each island was formed from a single volcano.

Due to their volcanic nature, most of the islands in the chain have a similar conical appearance, but they range from those with very low, gentle slopes to some that soar steeply more than 5,000 feet above sea level. It is this varied of topography that has created the astonishing diversity of habitat that supports the magnificent array of unique wildlife – much of which is endemic.

Discover a Unique Region on Galapagos Holidays

The geology and ecology of this isolated island chain make it one of the most unique places in the world. For those who want to learn more, organised small group Galapagos holidays provide the opportunity to explore this rich, bio-diverse part of the planet in an intimate, educational and truly memorable way.

Praetorian Commercial Auto Insurance Company

Praetorian Commercial Auto Insurance Company

In June 2007, QBE Americas completed the acquisition of PFG (Praetorian Insurance Group), previously a subsidiary of Hanover Re. QBE is Australia’s largest insurance group, but operates in 38 countries worldwide and employs over 16,000 employees. The Praetorian Insurance Company has sold and sold various policies, but its main focus is on businesses including commercial cars. This acquisition complements QBE’s product diversity strategy in the U.S. Now working under the roof of QBE in America; Praetorian still maintains its commercial insurance traditions.

Praetorian Commercial Auto Insurance Company

Understanding Commercial Car Insurance

In many cases, auto auto and commercial auto policies are very similar. Personal auto policies can even provide enough coverage for some business use, and this is useful when you drive a vehicle for personal and commercial purposes. You need commercial car insurance when your vehicle is only for business-specific use. One of the biggest advantages is that commercial car insurance has higher liability limits. This is also necessary if your business involves the transport of special equipment, the transport of goods and people, and the unusual use of vehicles for the example of pickup trucks and sports vehicles.

Similar to private cars, the rules of commercial vehicle insurance vary from state to state. QBE has licenses to sell and cover car insurance in 50 states as well as Puerto Rico and the District of Columbia. Since the Praetorian Insurance Company works under the roof of QBE, the license also applies.

A brief overview of commercially available commercial car insurance products from Praetorian Insurance Company:

Capacity:

– Enlarge to $ 1 million

-Umbrella to $ 5 million

Current Portfolio:
-Business Auto

-Local Trucking

– Specialized Commercial

-Auto includes car rental or used car dealers

Business Options

-Business Auto

-Artisan contractors’ auto business

Special transportation special

-Local distance, 50 miles

Coverage for commercial cars is more or less the same as private vehicles. The difference is within limits. The Preetorian Insurance Company offers new options up to $ 1 million and an umbrella option of $ 5 million. The amount should be enough to cover damages or liability issues if your business gets to the middle of a lawsuit as a result of a car accident.

Part of the personal auto does provide coverage even though the vehicle is for business purposes. However, it will not result in the same amount of financial protection as you can get from a commercial car policy. Imagine a situation when you drive a pickup truck to deliver the goods to the customer. In the middle of the road, you deflect your own van carrying several passengers. In such circumstances, the driver and passenger of the van will not sue you as well as your company. Your personal insurance policy provides financial protection and pays for the claim, but will not defend or pay compensation on behalf of your business. It is normal for drivers and passengers to collect compensation for vehicle damage and injury from you and your business. The Praetorian Insurance Company offers the right protection for such circumstances. Type of Coverage

The scope of the Commercial Commercial Vehicle Company’s Commercial Vehicle Policy may be narrow or broad depending on your choice. Insurance companies provide various policies for example trucks, special transportation, or wider auto business options. In a simple way, the options are as follows:

1-Vehicles as business property 2-Vehicles your company owns, leases, or leases 3-Vehicles for business purposes

Most companies will choose the third option because protection covers all vehicles, including those owned and owned by your own business, provided for business. Coverage even provides liability protection when employees or employers drive private vehicles for business. While the scope is different, the basic type of coverage is the same. The Commercial Auto Policy of the Praetorian Insurance Company still includes three significant safeguards including Responsibility, Physical Damage, and Optional Coverage.

-Liability Insurance: includes financial protection for property damage, bodily injury, and even accidental deaths where you or your employees are guilty. The scope also provides legal defense. The amount of protection to the extent of the policy. Praetorian Commercial Auto Insurance Company

-Physical Damage: This is a combination of Comprehensive and Collision coverage. It protects the damage of the vehicle whether the damage caused by accident or not. Risks include floods, vandalism, theft, or falling objects. Praetorian Commercial Auto Insurance Company