You cannot go behind someone's back and file a claim on their insurance. If it is a major injury you can file suit and they will have to provide it to their insurance company so that the insurance company will defend them or settle the claim. This is to force the issue.
If you buy your phone from Walmart they do offer a replacement plan that is something like insurance. You might also check with your insurance company that provides your auto or homeowners insurance as many companies are willing to provide coverage.
This is depending on your insurance and what they are willing to provide during the consultation.
If you are providing baby sitting or day care services without the proper licensing and insurance then yes, your home insurance provider could decide that you are a moral hazard or that the services you provide from home simply increase your risk beyond what the company is willing to accept. Generally, If you show your home insurer a copy of the commercial insurance policy that covers your day care operations, your company will not cancel your house insurance. Basically the baby sitting is a business, a parent could decide to file an injury claim or a suit, Your personal lines home insurance policy is not designed to provide that type of coverage.
There are several commercial auto insurance companies that provide insurance to businesses that run a car rental service. These are a few major insurance companies that give free quotes which are Geico, The General, and Progressive. However depending on where your business is located these agencies may not be suitable for you.
Any insurance company will be willing to provide a first time car owner with a policy. It could be more expensive for you though, because you haven't had a car before. You should check with Progressive Insurance.
In the UK (tend to have subutex) you CANNOT get any type of life insurance until 3 years AFTER ceasing use
Some places offer life insurance, and different types accounts of their choice. Many people like to find out more. Individuals are very comfortable with what they have at the moment, and are willing to make a change for the better.
It all depends on circumstances and what you are willing to do. If she has insurance like AFLAC, they will pay her money for the time she missed from work, if she doesn't, she can make a claim on your homeowners insurance to pay the medical and missed work. It all depends on your policy. By making a claim on your homeowners insurance, it has the possibility of making your rates go up.
You need to make a claim against the neighbors homeowners insurance for damages. Since it sounds like it was an "act of god" they may not cover the damages. In that case you have two choices, you could use your comp insurance to cover damages, if you have comp coverages on your policy, or pay the damages out of your pocket and see if the neighbor is willing to help out with the charges.
There are many home insurance providers out there, and many are willing to provide insurance even for a home that has been a victim of burglary attempts in the past. Some of these companies include Statefarm, AIG, FirstAm, AmFam, AmIG and HOAIC.
No, you don't have to be bonded to accept a cleaning job in someones home. You can just do so at www.wikihow.com/Start-a-House-Cleaning-business Bonding isnt necessary, so much as it is an insurance in the event of. You will find more people willing to hire you, if you are prepared for liability, so no one has to drag out court costs. http://www.ehow.com/how_2294068_get-bonded.html
online.. you can even order the season dvd from ebay or amazon if someones willing to sell it