Effective immediately, M.J.F. is rolling out it's enhanced line of carriers for commercial vehicles in the States of NY,NJ,CT,FL,PA & SC. We now have 8 carriers willing to write your business automobiles and trucks regardless of size and on a monoline basis.
Landscapers, general contractors,remodeling and repairing contractors,heavy construction contractors, paving contractors, road building contractors,grading contractors, trenching & underground contractors, special trade, heating contractors, sheet metal work contractors,plumbing contractors,mechanical contractors, air conditioning contractors and systems,ventilating contractors, electric contractors, masonary contractors, drywall contractors, insulation contractors cold & heat, roofing contractors, siding contractors, courier services, stucco contractors,excavating contractors, foundation contractors, demolition contractors, fence contractors, rigging contractors, millwrighting contractors, service vehicles for crain & oil field, marble contractors equipment & supplies manufacturer, dry wall contractors equipment & supplies,contracting equipment and supplies that are rented, decorating contractors for parties & conventions, contractors - engineering general, appliance distributor, beverage distributor, food distributors, florists, caterers, pool maintenance & repair, logging contractors and more!
Request Your Quote Today! www.mjfinsuranceagency.com or 866-983-8726
Only classes not elidgible are Public Auto, Emergency Vehicles & School Buses
Monday, January 10, 2011
Friday, January 7, 2011
III - What is covered by a basic auto policy?
Basic Auto Insurance policy Coverages! Know what coverage your policy provides!
III - What is covered by a basic auto policy?
III - What is covered by a basic auto policy?
How professional liability insurance can protect your business in a crisis - Philip Glick, ECBM Insurance Brokers and Consultants
The importance of professional Liability Coverage
How professional liability insurance can protect your business in a crisis - Philip Glick, ECBM Insurance Brokers and Consultants
How professional liability insurance can protect your business in a crisis - Philip Glick, ECBM Insurance Brokers and Consultants
Tuesday, January 4, 2011
Friday, December 31, 2010
Wednesday, December 29, 2010
Nueces County Record Star > Local News > Construction company penalized $87,000 by OSHA
Nueces County Record Star > Local News > Construction company penalized $87,000 by OSHA
O.S.H.A. SAFETY CERTIFICATION COURSES
MAKE SURE YOUR EMPLOYEES ARE QUALIFIED
COURSES VALID NATIONWIDE 100% ONLINE - START TODAY!
TWO CONVENIENT WEBSITES TO ENROLL
WWW.MJFINSURANCEAGENCY.COM
WWW.MJFOSHASAFETY.COM
O.S.H.A. SAFETY CERTIFICATION COURSES
MAKE SURE YOUR EMPLOYEES ARE QUALIFIED
COURSES VALID NATIONWIDE 100% ONLINE - START TODAY!
TWO CONVENIENT WEBSITES TO ENROLL
WWW.MJFINSURANCEAGENCY.COM
WWW.MJFOSHASAFETY.COM
Missouri Bank Sues Over Hacker
Missouri Bank Sues Over Hacker
Is your business properly insured for Cyber Liability?
Contact us today!
Is your business properly insured for Cyber Liability?
Contact us today!
Best Affirms Progressive and Subs 'A+' Ratings; Outlook Stable
Best Affirms Progressive and Subs 'A+' Ratings; Outlook Stable
Get your M.J.F. Agency Progressive Quote today! We also offer snowmobile and A.T.V. coverage
Get your M.J.F. Agency Progressive Quote today! We also offer snowmobile and A.T.V. coverage
PhantomAlert.com: No More Speeding Tickets - Home
PhantomAlert.com: No More Speeding Tickets - Home
Click On The Above For More Information On The PhantomAlert.com!
#Tickets,Red Lights, Red Light camera's, Speed Traps
Click On The Above For More Information On The PhantomAlert.com!
#Tickets,Red Lights, Red Light camera's, Speed Traps
Thursday, December 23, 2010
Tuesday, December 21, 2010
Online C.P.R Certification & Recertification Courses
# www.mjfonlinecpr.webs.com online courses for CPR CERTIFICATION,FIRST AID, BLOODBORNE PATHOGEN, PRO HOME SAFETY. USE discount code CPR-1865
Published with Blogger-droid v1.6.5
Changing Auto Insurance Companies?
Changing Auto Insurance Companies May be Easier Than you Think!
There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!
Why change to a new Auto insurance carrier?
You need to regularly review your auto insurance coverage to make sure that you are receiving the best insurance value for your money. You will discover that it pays to shop around. In some states, premiums for identical policies vary widely among different auto insurance companies. The reasons for this price variation can be very complicated, but they boil down to a company's claims experience with policyholders in a coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in a coverage group files claims during a given year, their rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other insurance companies. When you decide to switch your auto insurance to another company, you’ll find that it's fairly easy to do so.
How to cancel your old Auto Insurance policy
Generally, all you need to do to cancel your auto insurance policy is to inform your insurance company in writing, specifying the date you want the policy canceled. In some states, the new agent must notify the previous agent of the policy change. Some auto insurance companies ask the policyholder send back the actual printed policy. The insurance company will send a cancellation request form that will need to be signed and returned. Examine the form carefully to make sure that all information regarding the policy is correct. If the form is not received within two weeks of sending the letter, call the agent or company immediately to check on the status of the cancellation. Don't just walk away from the old policy without formally canceling it. Each state requires that auto Insurance policies be cancelled with notice, thus the insurance company might assume one wished to continue the coverage, and it might eventually terminate the policy for failure to pay premiums and report the lack of coverage to the state Department of Motor Vehicles. This can hurt your credit rating and ability to get a new policy.
Be sure to get a new Auto Insurance policy first
Always have a new policy in place before canceling the old auto insurance coverage. Otherwise you might have a gap in protection for a day or more! Most states require all drivers to carry a minimum level of auto insurance and most insurance companies require policyholders to present proof of new coverage before they will cancel an active policy. The new company will be able to time the beginning of the new policy to coincide with the cancellation of the prior coverage.
When to Change Auto Insurance policies
At Renewal
Renewal is a convenient time to change auto insurance policies, as you don’t have to wait for a refund from your current carrier. A renewal notice will be sent to you approximately 30 days before a new policy begins, depending on the regulations in your state. Should you decide to switch companies, you’ll need to have a new policy by the time the current policy renews. Though a company might say there is 10-30 days to get your payment in before a policy terminates, you do not have coverage until the carrier receives the payment. If you have an accident during this time period you most likely will have no coverage since the premium wasn’t paid!
Anytime:
All Auto insurance policies contain a provision allowing you to cancel your policy with proper notice at any time. In a few states auto insurance companies “short rate” the policy that means one pays a penalty for canceling before the policy renews. Most insurance companies pro-rate their policies so there is no penalty. The advantage of switching before the renewal date can save you a lot of money. For example if you have a policy that runs from Jan 15th to Aug 15th and you have an accident or ticket that will be over 36 months on March 15th. By switching Auto insurance companies on March 16th, you get a discount for having a clean driving record. Your current carrier won’t apply this discount until the policy renews on August 15th! This can save you Hundreds of dollars immediately!
How long does it take to change Auto insurance?
When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued.
So why not get started today
Contact us at:
www.mjfinsuranceagency.com
or
www.mjfinsurance.com
For your quote!
There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!
Why change to a new Auto insurance carrier?
You need to regularly review your auto insurance coverage to make sure that you are receiving the best insurance value for your money. You will discover that it pays to shop around. In some states, premiums for identical policies vary widely among different auto insurance companies. The reasons for this price variation can be very complicated, but they boil down to a company's claims experience with policyholders in a coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in a coverage group files claims during a given year, their rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other insurance companies. When you decide to switch your auto insurance to another company, you’ll find that it's fairly easy to do so.
How to cancel your old Auto Insurance policy
Generally, all you need to do to cancel your auto insurance policy is to inform your insurance company in writing, specifying the date you want the policy canceled. In some states, the new agent must notify the previous agent of the policy change. Some auto insurance companies ask the policyholder send back the actual printed policy. The insurance company will send a cancellation request form that will need to be signed and returned. Examine the form carefully to make sure that all information regarding the policy is correct. If the form is not received within two weeks of sending the letter, call the agent or company immediately to check on the status of the cancellation. Don't just walk away from the old policy without formally canceling it. Each state requires that auto Insurance policies be cancelled with notice, thus the insurance company might assume one wished to continue the coverage, and it might eventually terminate the policy for failure to pay premiums and report the lack of coverage to the state Department of Motor Vehicles. This can hurt your credit rating and ability to get a new policy.
Be sure to get a new Auto Insurance policy first
Always have a new policy in place before canceling the old auto insurance coverage. Otherwise you might have a gap in protection for a day or more! Most states require all drivers to carry a minimum level of auto insurance and most insurance companies require policyholders to present proof of new coverage before they will cancel an active policy. The new company will be able to time the beginning of the new policy to coincide with the cancellation of the prior coverage.
When to Change Auto Insurance policies
At Renewal
Renewal is a convenient time to change auto insurance policies, as you don’t have to wait for a refund from your current carrier. A renewal notice will be sent to you approximately 30 days before a new policy begins, depending on the regulations in your state. Should you decide to switch companies, you’ll need to have a new policy by the time the current policy renews. Though a company might say there is 10-30 days to get your payment in before a policy terminates, you do not have coverage until the carrier receives the payment. If you have an accident during this time period you most likely will have no coverage since the premium wasn’t paid!
Anytime:
All Auto insurance policies contain a provision allowing you to cancel your policy with proper notice at any time. In a few states auto insurance companies “short rate” the policy that means one pays a penalty for canceling before the policy renews. Most insurance companies pro-rate their policies so there is no penalty. The advantage of switching before the renewal date can save you a lot of money. For example if you have a policy that runs from Jan 15th to Aug 15th and you have an accident or ticket that will be over 36 months on March 15th. By switching Auto insurance companies on March 16th, you get a discount for having a clean driving record. Your current carrier won’t apply this discount until the policy renews on August 15th! This can save you Hundreds of dollars immediately!
How long does it take to change Auto insurance?
When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued.
So why not get started today
Contact us at:
www.mjfinsuranceagency.com
or
www.mjfinsurance.com
For your quote!
Monday, December 20, 2010
Simple Payroll Solutions
M.J.F. offers payroll services through Simple Payroll Solutions. You may ask why does an insurance agency offer such a poduct? It is a tool we use for our new Pay As You Go Workers Compensation Product in New York and New Jersey.
You are probably asking why leave companies like A.D.P. or other well known payroll companies. The reason is we can place your workers compensation and deduct it through your payroll. The advantage is Simple Payroll Solutions does not charge a fee for your payroll service, which automatically saves you money and we only need the first month premium to bind. Most companies require large premium deposits upfront, this also creates financial leverage or liquidity for your business. Secondly, you are now paying for actual payroll and not estimated payroll. No need for an audit at year end because the premium will be accurate. No refunds due the company and no additional premium required on estimated payroll that comes up short.
Then we can review your other insurance policies to save you additional premium and make sure you are properly insured. It's a win win for the business owner all around.
Contact us today to schedule an appointment to discuss our Simple Payroll Solution product and start saving money. It's the perfect way to start off the New Year! You work hard for your money and deserve to reap the benefits. Why should you just hand over fees for unnecessary fees to another company.
www.mjfinsuranceagency.com
866-983-8726
You are probably asking why leave companies like A.D.P. or other well known payroll companies. The reason is we can place your workers compensation and deduct it through your payroll. The advantage is Simple Payroll Solutions does not charge a fee for your payroll service, which automatically saves you money and we only need the first month premium to bind. Most companies require large premium deposits upfront, this also creates financial leverage or liquidity for your business. Secondly, you are now paying for actual payroll and not estimated payroll. No need for an audit at year end because the premium will be accurate. No refunds due the company and no additional premium required on estimated payroll that comes up short.
Then we can review your other insurance policies to save you additional premium and make sure you are properly insured. It's a win win for the business owner all around.
Contact us today to schedule an appointment to discuss our Simple Payroll Solution product and start saving money. It's the perfect way to start off the New Year! You work hard for your money and deserve to reap the benefits. Why should you just hand over fees for unnecessary fees to another company.
www.mjfinsuranceagency.com
866-983-8726
Health Savings Accounts - HSA Health Insurance Plans
What is an HSA?
A Health Savings Account, or HSA combines high deductible health insurance with a tax-favored savings account, similar to a 401(k). Money in the savings account helps pay the deductible. If the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep or spend on qualified medical expenses. There is no “use it or lose it” restriction with an HSA.
What are qualified medical expenses?
HSA savings can be used to pay for many types of medical expenses beyond what is covered by your insurance plan. These expenses include dental services, vision, alternative medicine, long-term care services, prescription drug and certain over-the-counter drugs.
Who is eligible for an HSA?
Anyone who is not entitled to Medicare can accumulate tax-favored savings for healthcare needs. You must have a qualified high deductible plan to receive the benefits. The current minimum deductible amounts are $1,100 for a single and $2,200 for a family. HealthPlanOne clearly identifies plans that qualify for HSA tax savings accounts. Simply use our Refine Search tool to include only HSA’s.
There are 2 steps to setting up an HSA:
Select and apply for a qualified HSA health plan
Wait for your application to be approved
Set up an HSA tax favored savings account with your insurance carrier or our affiliate.
If you contribute money to your HSA account, your health coverage could be FREE!
Assume that you are a self-employed individual. You purchase an HSA policy and make a significant tax-free contribution. The resulting tax savings might pay for the health care premium!
It would work like this. You purchase an individual HSA policy with a $2,500 deductible for $1,400 per year. You then contribute the maximum $2,500 to your HSA account. The tax savings would be $1,380, very close to the cost of a high deductible medical policy: Annual Cost Tax Bracket Tax Savings
Insurance Premium $1,400 45% $630
HSA Contribution $2,500 30% $750
Total Savings $1,380
Even if you incur $500 health care expenses for the year, you still will have paid for the cost of the policy with tax savings and have $2000 of your savings in an tax preferred, investment account.
The example assumes you have a combined federal and state tax rate of 30% and an additional self-employed payroll tax of 15%. Tax rates will differ based on your situation.
To find out which plans qualify for HSA treatment, simply search the plans and then use our Refine Search tool to include only HSA's
For more information contact us at
www.mjfinsuranceagency.com
A Health Savings Account, or HSA combines high deductible health insurance with a tax-favored savings account, similar to a 401(k). Money in the savings account helps pay the deductible. If the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep or spend on qualified medical expenses. There is no “use it or lose it” restriction with an HSA.
What are qualified medical expenses?
HSA savings can be used to pay for many types of medical expenses beyond what is covered by your insurance plan. These expenses include dental services, vision, alternative medicine, long-term care services, prescription drug and certain over-the-counter drugs.
Who is eligible for an HSA?
Anyone who is not entitled to Medicare can accumulate tax-favored savings for healthcare needs. You must have a qualified high deductible plan to receive the benefits. The current minimum deductible amounts are $1,100 for a single and $2,200 for a family. HealthPlanOne clearly identifies plans that qualify for HSA tax savings accounts. Simply use our Refine Search tool to include only HSA’s.
There are 2 steps to setting up an HSA:
Select and apply for a qualified HSA health plan
Wait for your application to be approved
Set up an HSA tax favored savings account with your insurance carrier or our affiliate.
If you contribute money to your HSA account, your health coverage could be FREE!
Assume that you are a self-employed individual. You purchase an HSA policy and make a significant tax-free contribution. The resulting tax savings might pay for the health care premium!
It would work like this. You purchase an individual HSA policy with a $2,500 deductible for $1,400 per year. You then contribute the maximum $2,500 to your HSA account. The tax savings would be $1,380, very close to the cost of a high deductible medical policy: Annual Cost Tax Bracket Tax Savings
Insurance Premium $1,400 45% $630
HSA Contribution $2,500 30% $750
Total Savings $1,380
Even if you incur $500 health care expenses for the year, you still will have paid for the cost of the policy with tax savings and have $2000 of your savings in an tax preferred, investment account.
The example assumes you have a combined federal and state tax rate of 30% and an additional self-employed payroll tax of 15%. Tax rates will differ based on your situation.
To find out which plans qualify for HSA treatment, simply search the plans and then use our Refine Search tool to include only HSA's
For more information contact us at
www.mjfinsuranceagency.com
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