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Unusual Specialist Insurance Explained
By Peter Kenny
Although most people are familiar with regular types of like life and home insurance, there is an increasing demand for more unusual types of insurance. Basically, anything that you might feel is a risk can be insured against. Here are some examples of types that you might not have considered before:
Reasons for an increase in unusual policies
Unusual policies are becoming more common for a number of reasons. Firstly, people are more informed about what they are at risk from, and so want to protect themselves accordingly. Secondly, the increase in lawsuit culture has increased the need for types of insurance. People are being sued for more and more reasons, and so the level of cover they need is increasing both in value and in scope. Also, the rise in unusual policies amongst the rich and famous is leading everyday people to follow suit.
Pet insurance
One type of that has moved from unusual to fairly common is pet insurance. Many people love their animals as if they were a member of their family, and with vet’s bills being so high it does make sense to insure your pet. Pet usually covers vet bills as well as liability and compensation should the animal die. There are now dozens of dedicated pet insurers to choose from, with cover for dogs starting from around £5 per month.
Star employee insurance
A number of companies are beginning to see the importance of their top employees, and are taking policies out to cover them against loss should anything happen to these key members of staff. Whether you are a sales company with a great salesman or a club owner with a great singer, then you could lose earnings should anything happen to your star employee. Taking out a policy to cover you against a drop in earnings might be a good idea.
Body part insurance
Some of the most unusual policies that are in demand are for the of particular body parts. With celebrities like David Beckham and Jennifer Lopez insuring their prize ‘assets’, other professions are following suit. Many chefs, athletes and musicians are getting their hands or feet insured in case they are damaged. Although this might seem a little vain, it can in fact be very sensible. If using your hands for playing an instrument is how you make your living and you severely injure yourself, then you might need significant compensation to stop yourself getting into financial difficulty.
Antique insurance
Perhaps the most frequently used unusual policy is the of specific art pieces or antiques. Regular contents is unlikely to cover you for such items, and you may be better taking out a specific policy that covers against more regular loss or theft. If something is irreplaceable and gets damaged you will want a policy that will cover you for the costly restoration of that item. Whatever type of unusual you get, remember to ask yourself if you really need it, and to shop around to get the best deal. Although these policies are not advertised, many insurers might be able to help you with your specific requirements.
All Headline News - Breaking News
The latest top breaking news, U.S., world, business, politics, entertainment, celebrities, sports, technology, and more.
(AHN) Government Report Shows Stimulus Spending Slowed By Staff Shortage
The Commerce Department's inspector general issued a report Friday that cited staff shortages as the reason for delays in stimulus distributions. - (AHN)
(AHN) Mexico Wins Praise for Anti-Drug Effort While Corruption Along the Border Continues
Mexico's effort to stop drug smuggling won support from the European Parliament this week even while U.S. law enforcement officials warned that smugglers had infiltrated the ranks of customs agents who are supposed to stop them. - (AHN)
(AHN) U.S. Markets Fall Flat On Confidence, But Finish Week Higher
U.S. markets fluctuated near the flat line as optimism from rising retail sales was offset by a decline in consumer sentiment. - (AHN)
(AHN) Ann Taylor Swings Q4 Profit On Improved Margins
Ann Taylor Stores announced Friday that it swung to a fourth quarter profit as gross margin jumped 16 percent on improved inventory control. - (AHN)
Breaking News on Twitter
Follow breaking news on Twitter.
(AHN) Bank Of America Boosts Loan Modification Efforts In March
Bank of America stepped up its mortgage modification efforts in March, completing 60 percent more than a month ago. - (AHN)
(AHN) Sickened WTC Rescue Workers Agree To $657 Million Settlement
A multi-million dollar settlement has been reached with workers who suffered health problems after rescue and cleanup efforts at the destroyed World Trade Center. A judged still must approve the $657.5 million deal with nearly 10,000 plaintiffs. - (AHN)
(AHN) Dot Dot Dot Bring High-Energy Shows To Florida On Current Tour
Chicago-based band Dot Dot Dot are doing what they do best. The band is currently touring all over the country, hitting 30-plus cities in the first half of the year with more to come. The band is known for winning fans over with their high-energy performances, mixing original songs from their first two EPs, like their synth-filled and simply titled latest "I," with covers of artists ranging from Lady Gaga to Neil Diamond. - (AHN)
(AHN) Shoppers Brave Weather, Push Retail Sales Higher In February
Retail sales unexpectedly climbed in February as inclement weather failed to keep shoppers from venturing to stores. Sales are now up four of the last five months. - (AHN)
(AHN) U.S. Wants Loggerhead Turtles Added To Endangered List
The U.S. government has proposed upgrading loggerhead turtles from threatened to endangered. The proposal was made after a review of the status of loggerheads worldwide found the sea turtles "currently at risk of extinction." - (AHN)
(AHN) Schizophrenia Risks For Baby Increased If Mother Has Flu During Pregnancy
Researchers studying rhesus monkey babies born to mothers who had the flu while pregnant showed findings linked to humans. Study data found the monkeys had smaller brains and showed other brain changes similar to those observed in human patients with schizophrenia. - (AHN)
All Headline News
Breaking news from around the world from AHN news.
Peter Kenny is a writer for creditcards-gb.co.uk.
For additional articles and an extensive resource for everything about credit cards, please visit us at Balance Transfer Credit Cards and Home Insurance
Visit www.creditcards-gb.co.uk
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