The laws regarding medical marijuana are a bit quirky. Several states have legalized the sale of marijuana for medical purposes, (with certain restrictions). The federal government, however, considers all sales of marijuana to be illegal. Oregon has created insurance for growers of medical marijuana. It can provide some protection, but not against the federal government. Medical marijuana can be used for relief of muscle spasms and of chronic pain. It can suppress the nausea that cancer patients feel as a side effect of chemotherapy. It can help restore the appetite, and reduce nausea and vomiting in people who have AIDS. … Continue reading →

Are there any musicians in your family? If so, then you may want to look into musicians insurance. It provides a type of coverage that isn’t adequately provided for in homeowners insurance or other types of policies. This is the type of insurance that most people don’t think about getting until it is too late. Musical instruments are expensive. This is true no matter what type of musical instrument a person plays. It cost quite a lot of money to get a guitar, or a bass, or a drum kit. You are also going to need microphones, microphones stands, amps, … Continue reading →

Many Americans have car insurance, life insurance, and homeowners insurance. Each of those things provides you with a certain amount of financial protection in case disaster strikes. What if the zombie apocalypse happens? That’s where a company called My Zombie Insurance can help you. Every so often, it seems that a particular fictional monster becomes a pop culture trend. Recently, it was vampires. This was thanks to Stephenie Meyer’s “Twilight” series of books, (and the movies that came from them), and the television show “True Blood” (which was influenced by books that were written by Charlaine Harris). Right now, zombies … Continue reading →

Planning a wedding requires a lot of time, effort, and money. After putting in that much investment, no one wants to think about the potential of a divorce happening. There is such a thing as divorce insurance, though. In some cases, it might help with the financial aspects of a divorce. This week, one of the biggest celebrity gossip stories that is floating around the internet has to do with Kim Kardashian. She was married to Kris Humphries for around 72 days before the couple got a divorce. There is speculation that this marriage was “a sham”, or “a publicity … Continue reading →

What do you do when you don’t feel like making dinner? Many families get on the phone, and place an order for delivery from a local pizza place. There is a brand new type of insurance policy called SLICE that is designed to protect pizza parlor owners in case their drivers get into an accident. Pizza parlors get a big chunk of their income specifically from people who want to have their food order delivered to their door by a driver who works for the pizza parlor. We have all had nights when even the thought of cooking dinner requires … Continue reading →

It might seem strange to think about, but divorce insurance really does exist! This is not the same thing as pre-nuptual insurance. Some may feel that divorce insurance sounds like an incredibly negative type of insurance policy. Others, however, might decide that the benefits of having this kind of insurance is something they are interested in at least checking out. Everyone assumes that they will experience a nearly perfect, “happily ever after”, kind of marriage. Some couples will be comfortable signing a pre-nuptual agreement before they say “I do”. A pre-nuptual agreement is a written contract that legally defines certain … Continue reading →

Owning a Recreational Vehicle (RV) offers families the freedom to explore the beauty of America while enjoying a few comforts of home. Whether you’re a retired couple traveling or taking the great family vacation America’s roadways, even the best plans can go astray. Traveling in a Motor home or RV can leave vacationers subject to problems and when that happens most policyholders are happy when they investigated their insurance options first. Many Personal Auto Insurance policies will allow an insured to add their motor home or RV to the personal auto policy and some estimates indicate that as many as … Continue reading →

Surplus lines insurance markets are needed to provide alternatives for unusual or higher risk insurance not offered by licensed insurers or insurance companies in the state a customer lives. There are often situation where insurance coverage is unavailable from licensed insurers because of the risk exposures or because coverage terms and conditions don’t provide the specific insurance a customer needs. When a customer isn’t able to find insurance coverage from licensed companies, the surplus lines market provides a choice and flexibility. Surplus lines underwriters then to be creative and innovative with the products they have to offer. There are several … Continue reading →

In the History of Lloyd’s of London Blog I wrote about how the underwriting syndicate started in the coffee house of Edward Lloyd during the late 1600’s. Today Lloyd’s is well known as the insurance market where anything can be covered for the right premiums. It’s not completely fact that Lloyd’s will insure anything, but they will consider unusual assets and greater risks. Lloyd’s underwriters have agreed to insure everything from the 1st airplane to Betty Grables legs. Even John Glenn America’s 1st astronaut, was insured with Lloyd’s. From shipwrecks and piracy to Kidnap and Ransom Lloyd’s can often find … Continue reading →