insurance claims
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In many cases, a warranty can seem like a sneaky way for manufacturers to squeeze a few extra bucks out of their customers. In some cases, purchasing a warranty might actually be a good idea. Whether you're thinking about signing up for a warranty on a major purchase, or deciding whether to pay a few extra bucks for a warranty on a small appliance while standing in line at Target, here's what you need to know in order to make the best decision.
There is an old adage that goes like this: "A Man is only as Good as his word".It implies that the integrity of a man or woman is the most important thing in a relationship.It also implies that if the other party has integrity having 'his word' is probably enough and also implies that there is no need for a formal contract.That relationship can be personal, professional, peer-to-peer, buyer-seller, etc. and can often involve parties that have different levels of control over a situation.A decade or two ago no one knew what a 'pre-nup' was; warning labels on consumer products were much simpler; local attorneys didn't advertise on TV; and there seemed to be more trust in both people and systems.Those days are gone and may never return.One by-product of this is contracts are everywhere - from EULA agreements that dictate internet terms to the small print on the back of your garbage service 'contract' to signs posted everywhere declaring 'Not Responsible for Damage or Loss'... it's hard to go through an hour of a day without having to check "I AGREE" on some document somewhere.
We're not Attorneys and we know that; however, we are often called on to review contracts from our clients and their vendors and we are glad to do that from a Risk Management and Insurance perspective.One of the areas that comes up all the time (and more frequently these days) is Hold Harmless Agreements or Indemnity Agreements.
Download Home Inventory Worksheet (Excel) Keeping a home inventory is an important exercise that aids you in three ways:
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It is a good idea to take an inventory of your personal possessions, at least annually. Keeping a current inventory benefits you in three ways:
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