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Home Page » Blog-Coverage Uncovered » Archives for February 2012

February 2012

Can Insurance Cover “Exploding Tofu”?

February 27, 2012

In short, yes! How is this even a question? While reading the Oregonian paper on Friday, I noticed the headline “Tofu Explosion leaves tenant in $6,000 bind”. Ok, I was interested and read on. I had heard about the Portland woman that was cooking Tofu and it exploded!! I, just like everyone else, chuckled a [...]

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What Kind of Insurance Exposures Exist When You Have Employees?

February 21, 2012

In today’s society, as an employer you need to be aware of the possibility of loss due to the very nature of having employees. The obvious coverage needed is workers compensation as it is required by law in Oregon. In the State of Washington, as an employer you also need to carry Stop Gap/Employer’s Liability.  [...]

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Frequently Asked Questions of Life Insurance

February 10, 2012

Q: What is Permanent Life Insurance? A: Whole Life and Universal Life are examples of Permanent Life Insurance policies. These insurance policies can be structured to last your whole life, while building cash value. Because permanent policies are structured to last a lifetime and build cash value, they are more typically more expensive than term [...]

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Decoding & Deciphering HSA Plans

February 7, 2012

Many people have heard of HSA medical plans (Health Savings Account) but not many understand them. An HSA generally refers to a “qualified high deductible” health insurance plan. What makes it qualified by the IRS is the deductible has to be at least $1,200 (individual) annually and most services, including prescriptions, must go to deductible [...]

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“Don’t Get Soaked!!”

February 1, 2012

Of all the appliances found in the home, the water heater and washing machine are the most likely to cause serious damage, and cost home owners a bundle. According to a nationwide analysis by a leading Insurance Company, one out of every 10 water-damage claims can be traced back to a malfunctioning hot water tank [...]

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