Farmers Insurance-D&S Insurance

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The most common types of commercial insurance are property, liability and workers' compensation. In general, property insurance covers damages to your business property; liability insurance covers damages to third parties; and workers' compensation insurance covers on-the-job injuries to your employees. Depending on your business, you may want additional specialized coverages.

Here are some essential questions to ask about any health plan you are considering:
Coverage Know what is covered and what is not covered by your plan. What kinds of cancer prevention, screening, and treatment services are covered by the plan?
Access What steps do you have to take to get the care you and your family members need? Can you go straight to a specialist or do you need a referral from your physician? Does the plan provide access to after-hours and emergency care? Which services require pre-approval from the insurance company? How long does pre-approval take?
Cost What are your out-of-pocket costs (such as co-pays, deductibles, and premiums) under a given plan? Does the plan limit or include caps on coverage for treatment? How will your medical bills be paid? Will the insurance company cover them directly, or do you have to pay out of pocket and submit a claim?
Choice Can you choose any doctor, clinic, or hospital you prefer, or can you select only those included in your plan?
Before making a decision as important as choosing a health plan, everyone should thoroughly understand what their plan does and does not cover.

A life insurance policy is so important, I feel it should be a law in all fifty states that parents and anyone who has someone depending on them should be required to purchase it. Life is so unpredictable and leaving your loved ones to grieve the loss of you on top of no financial support should never be an option.
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