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This represent the different types of things covered by the insurance and how it connects with each other in the business insurance. this relate the relationship of risk, policy and many more.

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This graphic helps us to understand the importance of business. this helps you to understand that everyone is covered in your business if you have business insurance on working site

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this videos tell us about the top 10 insurance company in Canada and how it works and benefits of the company to save your money from the scam. how they work for people to save them from fraud.

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Top 10 Business Insurance List in Canada 2016

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this video is featuring about the small business insurance how it works and how they cover are covered by the insurance company if they are held with some accident in the business area. this helps to cover the management risks and payroll in the business.

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This video help to understand about the liability insurance in the business . how it works in the court if any body sue while doing your business. This is very good and helpful to understand the importance of your business insurance

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What is LIABILITY INSURANCE? What does LIABILITY INSURANCE mean? LIABILITY INSURANCE meaning

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this video helps you to understand the how the insurance company legally scam you and you money. they provide small amount of money if you held with an accident instead paying you whole money you giving to them.

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Paragraph 1. The business insurance provide number of good advantages to recommend to cover your property from disaster. this helps to prevent from different liabilities as many business are sue by people to make money. this covers you from natural disaster such as floods, storm and more .
paragraph 2- this website contains how the advantages of business insurance is good for people and it helps them

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Advantage & Disadvantage of Insurance

Some insurance policies are required for businesses, and others are optional. Anyone who hires employees needs a workers' compensation policy, for example, while general business liability or professional liability policies might only be required by companies in specific industries. Even if it isn't required, there are pros and cons to having insurance. Business owners need to look at potential risks to determine if the benefits outweigh the disadvantages.

Advantage: Covers Business Property

Most businesses have business property and inventory. If there is a fire, robbery or another type of accident leading to damage or property loss of business assets, a general liability policy covers the business to the policy limits. It also protects the building the business leases for operations. If a storefront window is broken by a vandal, the glass could be covered by the policy. Business owners should do a thorough inventory of assets including computers, furniture, supplies and inventory to have adequate coverage.

Disadvantage: Denies Claims or Pays Slowly

Because business insurance is confusing with many types of policies, a claim may arise that the company's policy doesn't cover. Additionally, many claims take time to process because insurance companies need to assess the damage and determine an accurate accounting of loss. The time and energy required can be frustrating and end unfavorably for the business claimant.

Business owners need a professional business insurance agent versed in the needs of the business industry to develop an insurance portfolio that meets a company's specific needs and budget limits. For example, if the policy property limits are $20,000 but the business needs $50,000 to replace everything, it is underinsured and is responsible for the gap.

Advantage: Protects Against Liabilities

Businesses are sued for a lot of different things. Business insurance protects against many types of lawsuits. Workers' compensation covers employees from injury or illness at work. Business liability insurance protects the business if a consumer trips and falls in the office or otherwise is hurt. Professional liability insurance such as medical malpractice insurance protects professionals from mistakes that may result in harm to a client. Many insurance policies pay not just the settlement to the injured party but also cover legal fees incurred by the company when battling a lawsuit.

Disadvantage: Adds Expense

Business owners are constantly examining budgets and looking for ways to save money. Insurance can be expensive, especially in certain industries where workers' compensation injuries are common. Construction business policies are more expensive than policies for accounting offices. As a business grows, it should review its policies to make sure they cover the existing needs. Otherwise, the policy may not cover a loss completely, leaving the business underinsured.

Advantage: Replaces Income

There are times when business operations must halt because of a break-in, fire, flood or another disaster. Some business policies cover revenues based on historical information. So if you average $10,000 a month in revenues, your policy would pay that to you up to the policy limits during the time your business is closed.

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Business insurance, which is required in many industries, has advantages and disadvantages for owners. Obviously it protects you against fire, theft and other incidents, but these protections come at a cost. Make sure you understand policies and what they cover. Not all policies are the same.

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paragraph 1. The interest rate in today's time is increasing day by day. But nobody no how bank change their policy and how it increase. there are different types of things which leads in the increase of insurance in our business marketing.For example- Federal reserve, discount rate and many more.
Paragraph 2- this is totally helpful to learn how the interest rate change in every year and how it charge by bank.

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makelessnoise via Flickr
Interest rates today are expected to remain at a low well into 2015, which directly influences consumers' ability to earn decent returns on deposit accounts.

Despite this reality, not many Americans truly comprehend how banks set interest rates and what factors play a role in how rates change.

Bank interest rates aren't simply determined at the whim of any given bank or credit union, with no direction or benchmark.

On the contrary, there are a handful of key elements that sway interest rates today in consumers' favor - or against it.
#1. Federal Reserve Requirements
The Fed enforces a minimum reserve requirement, also called a cash reserve ratio, on banks that are members of the Federal Reserve. These institutions are required to withhold a percentage of their liabilities in either a cash vault or in a Federal Reserve Bank at all times.

Each year, the Fed assesses how much in cash reserves financial institutions must set aside; the requirements are outlined in the Federal Reserve Board's Regulation D.

Reserve percentage requirements are based on a bank's net transaction accounts (such as checking accounts), which effective December 27, 2012, are as follows:

$0 - $12.4 million: 0% in reserves

$12.4 million - $79.5 million: 3% in cash reserves

Over $79.5 million: 10% in reserve requirements withheld

Why does all this matter? Banks that don't have enough depositors to uphold their reserve requirement have the option to borrow funds from other banks through short-term loans to ensure the reserve requirement is met.

Banks are then charged by other banks interest on the loan, which is called the Federal Funds Rate - this cost of borrowing money is passed on to consumers via bank interest rates and adjustments on loan products like auto loans and mortgage loans.
#2. Discount Rate
The discount rate is another benchmark which determines how banks set interest rates. In addition giving banks the option to lend among one another, the Fed itself provides loans to help banks meet the reserve requirement at a "discount rate" for the loan.

This direct loan from the Federal Reserve is typically higher than the Federal Funds Rate, but has recently been lowered to supply institutions with a greater ability to provide loans to businesses and consumers. The lower the rate banks have to pay when borrowing funds from the Fed, the more affordable lending interest rates today are for consumers.
#3. Anticipated Inflation
When financial institutions determine the deposit and loan rates offered to customers, consideration is given to the potential inflation rate anticipated in the future.

Fergus Hodgson, Director of Fiscal Policy Studies for the John Locke Foundation in North Carolina, shares why this seemingly convoluted concept makes a great deal of difference on interest rates today.

"Inflation, the devaluation of a currency expressed in higher price levels, is one of two underlying drivers of retail interest rates - the other is the activity of the Federal Reserve system," explains Hodgson. "In the presence of higher inflation, which the United States is beginning to experience, lenders need to raise their rates in order to generate a return. Relatively speaking, the money they receive when paid back will be less valuable, which offsets the interest rate charged."

As lenders attempt to compensate for the rate of inflation, borrowers will likely continue seeing bank interest rates follow in suit.

"Consider a mortgage loan at an interest rate of 5 percent, alongside an inflation rate of 2 percent. The real interest rate or return to the financial intermediary is 3 percent annually. If the rate of inflation were to rise to 5 percent, the intermediary would need to offer comparable loans at a rate of 8 percent for an equal return," Hodgson illustrates.
#4. Demand For Loans
The fundamental idea of supply and demand resonates strongly with how interest rates are set as well. Since the economic recession, for example, fewer Americans have been financially capable - let alone willing - to take on large amounts of debt, such as a mortgage loan toward a home purchase. An over-saturated mortgage market (i.e. higher supply of mortgage loans) results in lower loan rates due to a lack of demand. The reverse also functions in the same way.
#5. Risk of Default
Lenders always take on a certain level of risk when lending money to borrowers. Those with a history of late payments or poor credit, for example, will likely exhibit the same dangerous financial behavior with a newly acquired loan.

For this reason, bank interest rates are increased on loans by financial institutions in an effort to hasten and secure the return of their money in the event borrowers don't make good on their promise to repay the loan within the pre-determined term.

While a lot of the factors affecting interest rates today are out of consumers' immediate control, maintaining a clean line of credit and taking the initiative to shop around for the best bank interest rates in the area opens the door to interest rates on deposit and loan products that meet customers' needs.
NOW READ: 21 ways rich people think differently >

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Here's What Really Goes On When Banks Set Interest Rates

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Interest rates today are expected to remain at a low well into 2015, which directly influences consumers' ability to earn decent returns on deposit accounts. Despite this reality, not many Americans truly comprehend how banks set interest rates and what factors play a role in how rates change.

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Paragraph 1 . this helps us to learn about the TD insurance policy and how it work to save you from accidental policy and how much interest rate should be imposed on the person if he the $47500 from the premium policy . For example- 0.12 x $47,500 ÷ 1,000 = $5.70/month plus applicable provincial sales tax. this provide benefits up to $1 million per insured person
Paragraph 2. This website is very helpful to learn about the policy of TD premium credit insurance.

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credit life insurance 
business credit life insurance 
life insurance

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Credit Life Insurance for Business - TD Canada Trust

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With TD's Business Credit Life Insurance you can help make sure the financial obligations of your small business are met in case of an accident. Call TD today to learn more!

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Paragraph 1.from the day we start our business we start getting risks as you hire some one you have to make sure get insurance for the company. There are different types of insurance which help you to cover your property from different type of danger. this helps to lead your business in good way.
paragraph 2. this website helps me to know about the different types of insurance and how it work.

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7 Types of Insurance You Need to Protect Your Business

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Starting your own business is taking a smart risk, operating without the right insurance is not.

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Welcome everyone to my business insurance wall.Business Insurance is very helpful in our life if anybody is interested in doing the own business. This helps you to save your business for different types of things held in your business. here, i would give some ideas and method and policy to learn about the business ideas.