Property Insurance in Illinois and Loss Exposures

When speaking of property insurance in Illinois, people often think of homes, houses, apartments, and condominiums. While all of these properties do require a level of protection, it’s also necessary to buy insurance for commercial property. There are certain perils that can happen to your commercial space that traditional property insurance can’t protect you from. There are four different risks otherwise called loss exposures that are unique to commercial property owners, and these risks are what insurance companies like this use to identify how much insurance a business owner should buy.

Loss Exposures to Consider when Buying Commercial Property Insurance in Illinois

  1. Property Loss Exposure – This particular condition refers to instances where a person might incur losses when damages occur to their property, particularly one that they have financial interest in. This occurs when the structure is either destroyed or damaged, or if there are thefts, robberies, or break-ins that force the commercial space owner to incur losses.
  2. Liability Loss Exposure – If and when a person outside of your business gets injured or dies on your property because of your property, they are likely to sue you for the damages. This condition refers to the losses you may incur if and when an outsider seeks financial compensation from you for liabilities, losses, injuries, damages, or deaths that your property might cause.
  3. Personal Loss Exposure – Your commercial business probably has a few people that allow it to run at peak performance. This staff and crew is the reason why you make the profit you make. If and when one of these people dies, resigns, becomes unable to perform their work, or otherwise leaves your organization, you could incur certain losses without their skill, knowledge, or expertise. This is particularly true if you don’t have anyone to readily replace the person you’ve lost.
  4. Net Income Loss Exposure – Anything that could cause a loss of income – be it an accident, a change in the locality, a shift in the consumer base, a disagreement with your supplier, a loss of personnel, and anything else you can think of that will cause a reduced net income, is categorized under net loss exposure. These are instances that can cause you to experience reduced profits which could affect the financial status of your business investment.

If you’re buying commercial property insurance in Illinois from a company, make sure you consider all of these potential risks and see how you can tailor your insurance policy to cover these possible perils and dangers.

Cheapest Auto Insurance Quotes In Arizona

Every year Arizona residents continue paying their car insurance rates, unaware that they could be saving.  With more than 3.82 million licensed drivers in the state, individuals rely on their vehicles to get where they need to go.  With a lot of roadway to cover and motorists looking for coverage, Arizona residents have countless options when it comes to car insurance.  What this means is that is has never been easier to find the cheapest auto insurance quotes in Arizona like this.  Let’s take a look at how you can not only find the cheapest auto insurance quotes, but also reduce the cost even further.

Begin With The Basics  

Every Arizona driver must meet the minimum insurance requirements.  This means $15,000 bodily-injury liability for one person and a $10,000 property-damage liability.  These requirements are responsible for setting the minimal cost that cannot be reduced any further.  From this point on, the cost can be kept to a minimum through smart planning and taking advantage of certain opportunities that may come your way.  Let’s review those now.

Save More Through Arizona Driving Programs

Did you know that Arizona offers classes to reduce the amount you pay in car insurance?  Open to all licensed drivers who are 21 or over, getting a discount requires nothing more than showing your insurance provider documentation of your completion.  The two most popular courses in Arizona to complete include the driving training courses as well as the defensive driver courses.


Shop Around And Save

Don’t go into a fight with one hand tied behind your back.  If you really want the cheapest auto insurance quotes in Arizona, then you are going to have to do the legwork yourself.  Every car insurance plan is so specific that even your neighbor who may have the exact same car and policy may have a different price.  The best way to get the best price is to organize all available options and begin finding quotes.  Typically, this will involve going online and filling out free-quote options.  Going into this process with a firm understanding of the exact kind of insurance you want will help make it much quicker.  In addition, you can generally trust a free quote.  More often than not, they are dead on or nearly dead on when compared to the quotes you will get over the phone when finalizing your plan.  Find the cheapest options out there and then choose the one you feel most comfortable getting car insurance from.

California home insurance quotes

Tricks to help you find the cheapest California home insurance quotes

Trying to track down the cheapest California home insurance quotes is nowhere near as simple or as straightforward as it probably should be, as it probably could be.

Even with the power of the Internet and the ability to research California home insurance quotes, like, trying to find the best deals, the best coverage, and the very best possible prices is an uphill battle for sure. Combine that with the fact that home insurance premiums and prices can vary wildly for almost no real discernible reason whatsoever, and that decoding and deciphering quotes can be a challenge in and of itself, and you’re looking at a perfect storm of problems that you probably didn’t anticipate.

Thankfully, with the tips we share below, you’ll be able to cut through a lot of the noise and clutter. Use the tips below and you’ll be able to find the best California home insurance around at the best possible prices!

Make sure that you aren’t researching “over insured” policies

One of the biggest mistakes that people make every single day when they shop for California home insurance quotes is overestimating the amount of insurance than they need in the first place.

A lot of people (for one reason or another) try to ensure their homes for a full on replacement cost as opposed to a market value cost, and end up paying twice or even three times as much for their home insurance as they probably should be. And while you’ll need to gauge whether or not you are comfortable moving forward with California home insurance that only covers market value (a value that can fluctuate on easier to year basis), shifting your policy to that type of coverage will save you hundreds of dollars almost right away.

Boost your deductible to save money immediately

By choosing to increase your home insurance deductible for around $500-$1000 (or more), you’ll be able to save a few thousand dollars on your home insurance without making any other changes whatsoever.

Often times, boosting your deductible by $500-$1000 will save you as much money as you end up increasing your deductible by, which means you come out ahead without having to blow a lot of money out-of-pocket along the way.

Use these tips and tricks while searching for California home insurance quotes and you are sure to come out on top!

Ohio Homeowners Insurance

With over 11 million residents calling Ohio home, the Buckeye State is no stranger to housing.  In particular, homeowners insurance is frequently considered among new homeowners and older crowds alike.  So what is Ohio homeowners insurance like and why should you consider getting it?  Lets find out, by exploring your options.

Ohio Homeowners Insurance

The purpose of homeowners insurance is to protect your house, the personal property inside your house, and to protect yourself from liability assumed by others who are at your property.  Generally speaking, Ohio homeowners insurance covers repairing and rebuilding when your home is damaged, temporary shelter costs if your home is uninhabitable, damaged or stolen property, medical injury fees, and even legal costs.

Perils & Coverage

With Ohio homeowners insurance, coverage is grouped into either covered perils or excluded perils.  Covered perils are anything that your homeowners insurance explicitly covers and can include payment to you from your insurance company when something like this happens.  Excluded perils are things that are not covered in your insurance policy and as such will not be covered by the provider.  More often then not, when choosing an insurance provider you can select the level of coverage you want.  As you might expect, the more coverage you get the more expensive your homeowners insurance will be.

Form Numbers and Policies

Generally speaking, Ohio homeowners insurance from somewhere like this, falls into several different forms.  The HO-2 & HO-4 The Broad Forms will list every covered policy they have and will cover nothing that is not covered.  The HO-3 Special Form will list the perils it does not cover and will instead cover everything else.  The HO-3 Special Form is the most popular type of Ohio homeowners insurance and has the most amount of homeowners using it.  The HO-4 Tenant is specifically designed with tenants in mind and acts as a renters insurance version of homeowners insurance.  This is a popular choice for renters who want to ensure that if their rented space is broken into that their products are covered.  While there are a few additional kinds of forms, including the HO-5, HO-6, and HO-8, they are less frequently offered and used in Ohio.

The Greatest Risk To Your Home Is Not Having Homeowners Insurance

You put all of your assets as well as your home at risk by not having proper insurance coverage.  As an example, if a fire were to break out and you did not have coverage, then you would be liable to pay all fees yourself.  This could be farm more money then what you would have saved not having homeowners insurance to begin with.


How to Get the Most Comprehensive Michigan Auto Insurance Quotes

Auto insurance is one of the most important types of insurance that you can get as it protects you and your family in the event of a motor vehicle accident.  Aside from your home, your vehicle may be one of the most expensive things that you own and if it gets damaged, you may not have the money to cover the repairs.  You also may not have additional funds to cover the repairs on any other vehicle involved with the accident.  With the help of Michigan auto insurance quotes you can find the most affordable insurance option currently available to you.

Visiting Insurance Agencies in Your Area

The first thing that you will want to think about doing is visiting all of the insurance agencies in your area to get a list of comprehensive Michigan auto insurance quotes from here.  You will be able to have a face-to-face discussion with someone who can help you to get the best coverage for your needs.  Make sure that you ask a sufficient amount of questions about aspects of your policy that you would be interested in having.  Start with building the most comprehensive package possible and if it is too expensive, consider trimming down on coverage.

Using the Internet

If you do a simple search online for Michigan auto insurance quotes there will be hundreds of websites that will be able to gather different quotes for you in a matter of minutes.  If you are comfortable with providing a small amount of personal information over the internet, this can be the easiest way to find the least expensive insurance.  You will also be able to review all of the details that your potential policy will cover before you make a final decision.

Asking Friends and Family

Most of your family probably drives and they most likely have insurance so ask them about the companies that they are with to find out if they have great customer service, make filing claims simple, and put the customer first.  You may also be able to get on the same insurance plan as a close family member to help save on costs, though this may depend on the requirements through specific insurance agencies.

When you talk to the people around you about insurance, you will have a better idea of whether you will actually enjoy working with the insurance company in question and if they give reasonable Michigan auto insurance quotes.

How to Get New York Car Insurance Quotes

Finding these quotes won’t be hard. The best way to begin is to choose an insurance company that you trust. It’s actually wise to select three or four good insurance companies and then visit their official websites.

Once you’re there, you should be able to access a lot of helpful information about policies and premiums. Most insurance company websites are loaded with facts about policies, so you’ll be able to review a host of car insurance options while you’re at these online resources.

In addition, you’ll find that shopping for car insurance online allows you to make quick contact with online service representatives. These representatives are standing by at insurance company websites and they may be contacted via a range of communication channels, such as phone, email, online chat and fax. So, shopping online at should give you instant access to the facts that you need.

Consider Different Coverage Levels

There are many different auto insurance policies out there and a lot of them are basic, which means they are affordable, but don’t offer the highest levels of coverage. Other options include mid-range and high-end coverage. Basically, you’ll get what you pay for so it’s important to consider policy features, as well as premiums, before you buy. Once you’ve done so, you’ll have a more realistic sense of how much insurance you’ll get for your money.

Most insurance companies will offer two or three policies to choose from, in order to meet the needs of different types of clients. When you review policies from a few different companies, you’ll be able to see exactly what you’ll be covered for via different providers.

It’s wise to spend an hour or two checking out policies online, although some people decide what to buy much faster. When it comes to saving money on the cost of auto insurance, it’s vital to shop around. After all, a better deal may be right at your fingertips. One strategy is to compare five quotes side by side and then choose the lowest price. At this point, you should be able to buy that affordable policy online.

Your claims and Medical Insurance in South Carolina

A medical insurance in South Carolina will help you pay for medical expenses that many people don’t have the funds and finances to answer for. While this might seem like a saving grace for most, the truth is that not every claim will be granted financial assistance. Why is that? Well, when you buy your insurance, there will be certain terms, exclusions, limitations, and coverage that will set the boundaries for what your insurance provider will be willing to pay for.

So, what happens when you make a claim that gets rejected? These pointers should give you a better idea on the next steps you should take.

What to Do When Your Claim Gets Rejected

  1. Ask for Assistance – Odds are, your locality has some sort of insurance office that handles these complaints. This should have been discussed when you first purchased your medical insurance in South Carolina from You can approach your local insurance government office to ask if there’s anything they can do to assist you in order to get your insurance provider to agree with your claim. You can either make an appeal for your provider to re-evaluate your request or you can appeal that they settle for an amount less than you originally specified.
  2. Internal Review – This is the first step of the appeal process and involves sending your insurance provider a written appeal for reconsideration. Your internal review should result to a final decision and outcome within 30 days for a service you’ve yet to avail or within 60 days if your appeal is for a service that has already been done. If in case your insurance provider still returns to you with a negative decision, you can opt for an external review.
  3. External Review (Third Party) – If your insurance provider still rejects or denies you coverage after your internal review, you can opt to go for an external review which will involve the professional services and perhaps even legal services of others not previously involved in the process. This will be your last chance at getting your insurance provider’s financial assistance, after which you can choose to put things in the hand of the law or to simply pay for all of the expenses on your own and accept the decision of your insurance provider.

When filing a claim, make sure you know what coverage you have and the limitations that apply to your medical insurance in South Carolina. This way, you can keep yourself from having to deal with the mess involved in a rejected claim.

A Poverty of Ambition by Al Duncan

“Focusing your life solely on making a buck shows a certain poverty of ambition. It asks too little of yourself.”
Barack Obama, Knox College Commencement Address 2005

Even after hearing the phrase ‘dream big’ 3,297,391 times (or more) over the course of their life, most people still don’t get it.

‘Don’t rock the boat.’

‘Better safe than sorry.’

‘A bird in the hand beats two in the bush.’

These timeless maxims are sage advice. When taken to the extreme, however, they create a certain poverty of ambition.

Of course, something tangible that is actually working or in your ‘hand’, is better than a wish or pipe dream. But here’s the real question: Are those birds in the bush actually attainable?

If you had a rock-solid plan and the wherewithal to execute it, is it possible for you to get those two birds? Is it probable?

‘I’m going to get a degree in engineering or accounting.’ If you love either of those two great professions then by all means go for it. But choosing a profession because it’s the proverbial bird in the hand is the epitome of a poverty of ambition.

A choice like that is why too many people wake up sick to their stomachs about going to work. They wake up with a bad case of would’ve-could’ve-should’ve syndrome.

I would’ve been a great writer?

I could’ve started my own company or non-profit organization?

I should’ve never married this guy. He’s not a bird in the hand; he’s a bird brain in the hand!

Could you have the business, the family, and the philanthropy? Yes. People do it all the time, but not enough people.

According to the 2007 Just Start survey conducted by Intuit, Inc. (NASDAQ: INTU) 72% of Americans aspire to start their own business. That’s almost three out of four people, but how many actually do it?

There are over 300 million people living in the U.S. An estimated 23 million of them are entrepreneurs. That’s around 7%. So, less than one in ten people actually have enough ambition to make it happen. And that’s after years of record breaking entrepreneurial growth.

Whether it’s starting a business (for profit or non-profit), looking for a promotion, or making a living doing something that you REALLY love to do, there seems to be a paucity of calculated risk-takers.

So, what’s fueling this poverty of ambition? This lack of go-getters boils down to complacency and fear of the unknown.

“Aim for the moon. If you miss, you may hit a star”
-W. Clement Stone


Complacency is the ugly side of success. It’s a momentum killer and a dream slayer.

‘Why can’t you just be satisfied with what you already have?’

‘That’s good enough.’


I’ve got two words for you to live by:

Get better.

Everyday you want to work on getting better,better health, better relationships, better finances, better marketing, being a better servant to a worthwhile cause, and the list goes on.

(I guess the 1.6 billion dollars people spend on cosmetic surgery per year is proof that there’s no poverty of ambition when it comes to being better looking!)

Greatness and complacency cannot exist in the same mind.

Think about that. What if Mother Teresa or Gandhi had a poverty of ambition?

What if Cesar Estrada Chavez, Dolores Huerta, Harriet Tubman, or Frederick Douglass had a poverty of ambition?

Scary thought, isn’t it. A poverty of ambition can change the world in ways I don’t even want to imagine. To be complacent is to stop striving and to stop striving is to waste to your most precious gift life.

“I have learned over the years that once one’s mind is made up, this diminishes fear; knowing what must be done does away with fear.”
Rosa Parks


I was stunned.

I looked at the students in disbelief and thought to myself, ‘They must not know what a CEO is.’

‘How many of you all know what the CEO of a company does?’

A lot of them raised their hands and someone yelled, ‘A CEO is the boss.’

‘They are the leaders’, another student added.

My next question was: ‘Do you all know that sometimes the CEO is also the person who owns maybe even started the company?’

There was a wave of nodding heads as a chorus of yeses filled the air.

‘Do you all understand that the CEO makes the most money?’

More head nodding and more yeses.

By then I was flabbergasted. These were some of the best students I know students of the historic Butler Street YMCA’s Multicultural Achievers Program of which I’m am the Steering Committee Chair and the Life Skills Coach.

The students were in the middle of a project that involved creating a company. As a part of the project, they were applying and interviewing for positions in the company. Out of a few dozen high school students not one of them had applied to be the CEO.

When I started to investigate why no one wanted to be CEO I got all kinds of answers.

They didn’t know what to expect. (Fear of the unknown.) They didn’t know if it would be too much work for them to handle or if it would be too much responsibility. (Fear of success.)

If anything went wrong they would be the first ones blamed and the first ones fired. (Fear of failure.) They were worried about what might happen. (Fear of success or failure: the unknown.)

They were afraid of the unknown and it was killing their ambition.


For many people fear of the unknown is a debilitating phenomenon that fuels a poverty of ambition. Here are five questions, however, to help you deal with fear of the unknown:

1. What could happen as a result of doing (whatever the action or decision maybe)?
2. What probably won’t happen as a result of doing?
3. What could happen as a result of not doing?
4. What probably won’t happen as a result of not doing?
5. How will I deal with each of the four answers from those questions?

If you don’t know the answers to those questions then do some more research, get some more guidance or advice, and make the best educated answer you can.

(The students couldn’t answer those questions at first, so the Program Director and I asked the CEO of the Butler Street YMCA to come in and talk to them.)

It’s that simple and, at times, that hard. But the unknown and your fear will be minimized,not necessarily gone, but minimized by answering these questions.

Let’s get back to those birds in the bush.

Here’s the interesting thing. None of this means that you have to necessarily let go of the bird in your hand.

While you are looking at the two birds in the bush and squeezing that bird in your hand to death, here’s a something to ask yourself.

The Million Dollar Question: Who ever said you couldn’t have all three?

And no that’s not being greedy. That’s called abundance.

Stop asking too little of yourself.

Lose the poverty of ambition.

Get the know-how, a good plan, and put them to use because you deserve a life of abundance, don’t you? A life overflowing with achievement and fulfillment is waiting for you if you will simply:

Get better.

Al “The Inspiration” Duncan is America’s Leading Youth Empowerment Advocate, a self-development expert, and a World-Class Youth Motivational Speaker. Visit him online at Youth Motivational Speaker

A Lesson on Leadership from Jackie Robinson by Al Duncan

“A life is not important except in the impact it has on other lives.”
-Jack Roosevelt ‘Jackie’ Robinson

Yesterday, April the 15th, was the 60th anniversary of an exceptional act of leadership that has left an indelible mark on history. Jackie Robinson became the first African-American major league baseball player.

Drifting into reverie while watching the ball games on Sunday, I wondered what it would be like to be a trendsetter of that magnitude.

How would it feel to be a leader that has affected the lives millions and millions to come? What do you say to yourself when you know you’ve taken a swing at history, caught a ball for the future, and rounded the bases for the ages?

You simply say that there is still more to be done and most importantly, you do it.

Thank God that Jackie Robinson didn’t think like many who say: ‘I did what I was supposed to do. It’s somebody else’s turn.’

Leadership is not about one time; it’s about as many times as possible.

A prominent business man and political activist, Jackie Robinson was a key leader in the establishment of the African-American owned and controlled Freedom Bank. In his syndicated newspaper column, he was an outspoken advocate of Dr. Martin Luther King, Jr. and the civil rights movement. To a lesser degree, he also supported Al-Hajj Malik al-Shabazz better known as Malcolm X.

Leadership is not about what you do in the spotlight, it’s about what you do on the spot.

Jackie Robinson showed courage and conviction long before he was in the spotlight. On July 6th 1944, more than a decade before Rosa Parks, his refused to conform to Jim Crow laws in the United States Army. Although his actions earned him a court marshal, he was later found not guilty of insubordination and was honorably discharged.

Leadership is not about the awards or praise that you receive, it’s all about the deed.

Jackie Robinson received numerous awards in baseball, including the National League Most Valuable Player Award, and was the recipient of two of the most prestigious awards an individual can receive: a Congressional Medal of Honor and the Presidential Medal of Freedom. He didn’t do it for the awards, however, he did it for the deed. In fact, he received the last two awards posthumously.

When the quote that you read at the beginning of this article came to my mind, I had to ask myself, as you should ask yourself- What impact are you having on other lives?

Jackie Robinson’s lesson on leadership is simple:

Do something to breakdown a barrier or carve out a path for someone else, not once, but as often as you can.

Al “The Inspiration” Duncan is America’s Leading Youth Empowerment Advocate, a self-development expert, and a World-Class Youth Motivational Speaker. Visit him online at Youth Motivational Speaker

A Lesson on Failure from Alfred H. Duncan, Sr.

‘Happy first Fathers Day!’

A warm, tingling sensation filled my chest as I responded to my father’s words of congratulations: ‘Thanks, Dad. Happy Father’s Day to you, man.’

After being on the phone for a few minutes longer, my father and I said our good-byes. As I stood there, in the middle of our kitchen, looking down at the bundle of endless potential in my arms, the sensation in my chest started to get more intense.

‘I promise with all that is in me to be a good dad and to show you how to be good man.’

Unable to really focus his eyes, Mekhi Eli, my one month old son, looked up at me as if to say: “You had better. I’m counting on you to lead the way.” Then with a stretch and a yawn, it was back to sleep for my little man.

As I contemplated various things to teach my son, I thought about how grateful I am for the myriad of lessons my father taught me. I wouldn’t be half the man I am had it not been for him. But there is one lesson, for which I am extremely appreciative, that stands apart from the others.

This lesson wasn’t intentionally taught. It was accidental. It wasn’t a conversation or shining example of what to do. It was a mistake- a costly mistake. There are things, however, that are seldom learned unless a mistake is made.

In case you can’t tell, I have much respect for my father. He was my childhood hero so, I took it pretty hard when he and my mom were divorced. But that was nothing compared to what was coming.

When I was 15 he told me something that was absolutely devastating. He told me that he was addicted to crack cocaine.

I remember standing there in complete disbelief thinking to myself: ‘My Dad is smokin’ rocks’! Naw you’re not my father, you’re an imposter! Heroes don’t loose to the bad guys.’

Pain and confusion filled the air. I wanted to cry, but I couldn’t. Too much anger. Too much resentment.

For a few years he battled his addiction and I, along with my two little brothers and three little sisters, battled our emotions. Eventually, we all won.

The day my dad came up to me and said,’Son, I did it, I beat it, I’m clean!’ I didn’t exactly greet him with open arms. Too much anger. Too much resentment.

But after awhile, admiration replaced anger, respect replaced resentment, and a priceless lesson replaced the pain. I have spoken and written about this lesson on numerous occasions.

Now matter what happens or what mistakes you make. Be it a bad grade, a bad interview, a bad relationship, bad credit, or just plain old bad decisions.  If my father came back from that then you know you can come back from whatever.

So, here’s one of your first lessons, Mekhi Eli. It’s from your granddad.

Failure is only permanent if you quit.

Al “The Inspiration” Duncan is America’s Leading Youth Empowerment Advocate, a self-development expert, and a World-Class Youth Motivational Speaker. Visit him online at Youth Motivational Speaker