by benpage1974 | Apr 18, 2023 | Uncategorized
At Page Insurance, we love exploring the vast and diverse world of insurance policies, and sometimes, we stumble upon some bizarre and intriguing ones. While most insurance policies are pretty standard, there’s a fascinating array of weird and unusual coverage out there that you probably never knew existed. So, buckle up and join us as we take a trip down the rabbit hole of the most bizarre insurance policies ever written! Remember, these examples are meant to entertain and showcase the extraordinary side of the insurance world.
Alien Abduction Insurance:
Believe it or not, there’s an insurance policy designed to cover you in case extraterrestrials abduct you. A company in Florida began offering this coverage in the late 1980s, and since then, thousands of people have purchased these policies. To claim, policyholders must provide proof of their abduction, which might be tricky, given the elusive nature of our intergalactic visitors.
Body Part Insurance:
Celebrities often rely on their appearance or physical skills for their livelihood, so it’s not surprising that many have insured their most valuable assets. For instance, actress America Ferrera’s smile was once insured for a staggering $10 million. Soccer player David Beckham, known for his exceptional skills on the field, insured his legs for a reported $70 million during his playing career.
Food Critic’s Taste Buds Insurance:
Imagine having your taste buds insured for a jaw-dropping $1 million! That’s precisely what British food critic Egon Ronay did to protect his career, which relied heavily on his ability to discern subtle flavors and culinary nuances. After all, a food critic without functioning taste buds would be like a painter without their sight.
Lottery Winner Insurance:
Many employers worry about losing staff members to a sudden influx of wealth, like winning the lottery. To mitigate this risk, some companies have taken out “lottery winner insurance,” which compensates the company if a key employee suddenly strikes it rich and leaves their job. Now that’s what we call being prepared for anything!
Hole-in-One Insurance:
Golf tournaments often offer lavish prizes for players who achieve the elusive hole-in-one. Event organizers can purchase hole-in-one insurance to cover the cost of these potential prizes. This policy pays out if a golfer scores a hole-in-one during the tournament, ensuring the organizer isn’t left footing the bill for an extravagant prize.
Multiple Birth Insurance:
Expecting parents can take out multiple birth insurance to help them financially prepare for the possibility of having twins, triplets, or more. This policy provides a payout if the policyholder gives birth to more than one child at once, helping to cover the extra expenses of raising multiple little ones simultaneously.
Ghost Insurance:
A hotel in England took out a policy to protect itself from financial losses due to ghost-related incidents. The coverage compensated the hotel if guests left early or requested refunds due to paranormal activity, ensuring that uninvited spectral visitors didn’t cause too much of a financial scare.
Fantasy Sports Insurance:
Fantasy sports enthusiasts can now protect their virtual teams with fantasy sports insurance. This policy provides compensation if a key player on a policyholder’s fantasy team is injured and unable to play for an extended period, helping to soften the blow of losing a star athlete in the virtual world.
Wedding Insurance:
Couples planning their big day can take out wedding insurance to cover a range of unexpected mishaps, from extreme weather to lost rings or even a sudden change of heart. This policy helps protect the couple’s investment on their special day, ensuring that unforeseen circumstances don’t lead to financial ruin.
Immaculate Conception Insurance:
In 2006, a group of nuns in England took out insurance to cover the costs of raising a child in the event of a miraculous conception, similar to the Virgin Mary. While the policy was eventually withdrawn due to public outcry, it stands as one of the most unusual insurance policies ever written.:
These are just a few examples of the most unusual and bizarre insurance policies ever written. They show the insurance industry can be creative and entertaining when addressing unique risks and challenges. While these examples might not directly apply to your insurance needs, they certainly make for some fascinating stories.
Page Insurance prides itself on offering personalized service and customized insurance solutions to suit your specific requirements. We might not have alien abduction insurance in our portfolio, but we’ll work tirelessly to find the best coverage for you and your family. Contact us today to learn about our wide range of insurance products and services.
Click here to find the best rate.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Insurance Tips & Tricks
Insurance policies protect individuals, businesses, and assets from unforeseen events and accidents. However, with so many types of insurance policies available, it can be challenging to determine which policies are necessary and what coverage is required. We will explore the various types of insurance policies available in the USA and help you understand which policies may be right for you.
Personal Insurance
Personal insurance policies protect individuals and their assets from financial losses due to accidents or unforeseen events. Some of the most common personal insurance policies include:
- Auto Insurance
- Liability coverage – protects you from financial losses due to damages or injuries caused by you in an accident.
- Collision coverage – covers the cost of repairing or replacing your vehicle in case of an accident.
- Comprehensive coverage – covers damages caused by non-collision incidents, such as theft or natural disasters.
- Uninsured/underinsured motorist coverage – protects you from financial losses if you’re in an accident caused by a driver with insufficient insurance coverage.
- Homeowners Insurance
- Dwelling coverage – covers damages to your home’s structure caused by covered events.
- Personal property coverage – covers the cost of replacing personal property that is lost, stolen, or damaged.
- Personal liability coverage – protects you if someone is injured or their property is damaged while on your property.
- Additional living expenses coverage – covers temporary living expenses if you can’t live in your home due to a covered event.
- Renters Insurance
- Personal property coverage – covers the cost of replacing personal property that is lost, stolen, or damaged.
- Liability coverage – protects you if someone is injured or their property is damaged while on your rented property.
- Additional living expenses coverage – covers temporary living expenses if you cannot live in your rented property due to a covered event.
- Life Insurance
- Term life insurance – provides coverage for a set period.
- Whole life insurance – provides lifetime coverage and accumulates cash value over time.
- Universal life insurance – provides lifetime coverage and flexibility in premium payments and death benefits.
- Health Insurance
- Individual health plans – provide coverage for medical expenses for individuals.
- Employer-sponsored health plans – provides health insurance coverage for employees.
- Medicare – provides health insurance coverage for people over 65 or with specific disabilities.
- Medicaid – provides health insurance coverage for people with limited income and resources.
- Disability Insurance
- Short-term disability insurance – provides coverage for a limited time if you cannot work due to a covered illness or injury.
- Long-term disability insurance – provides coverage for an extended period if you can’t work due to a covered illness or injury.
- Long-Term Care Insurance
- Personal Umbrella Insurance – provides additional liability coverage beyond the limits of your other insurance policies.
- Landlord Insurance – provides coverage for property owners who rent their property to tenants.
Business Insurance
Business insurance policies protect businesses from financial losses due to unforeseen events or accidents. Some of the most common business insurance policies include:
- General Liability Insurance – protects businesses from financial losses due to claims of injury or property damage caused by their products, services, or operations.
- Professional Liability Insurance
- Errors and omissions insurance – protects businesses from financial losses due to claims of negligence or errors in their professional services.
- Directors and officers liability insurance – protects directors and officers of a company from financial losses due to lawsuits or legal actions taken against them.
- Commercial Property Insurance – protects businesses from financial losses due to damage or destruction of their property.
- Business Interruption Insurance – covers financial losses due to disruptions in business operations caused by covered events.
- Workers’ Compensation Insurance – provides coverage for employees who suffer work-related injuries or illnesses.
- Commercial Auto Insurance – provides coverage for vehicles used for business purposes.
- Cyber Liability Insurance – protects businesses from financial losses due to data breaches or cyber-attacks.
- Employment Practices Liability Insurance – protects businesses from financial losses due to claims of wrongful termination, discrimination, or harassment by employees.
- Product Liability Insurance – protects businesses from financial losses due to claims of injury or damage caused by their products.
- Business Owners Policy (BOP) – a package policy that combines several insurance policies, including property, liability, and business interruption insurance.
- Builder’s Risk Insurance – covers buildings under construction from damage or loss.
- Surety Bonds – provides financial protection to businesses or individuals entering a contract, ensuring they fulfill their obligations.
- Excess Liability Insurance (Commercial Umbrella Insurance) – provides additional liability coverage beyond the limits of your other insurance policies.
Specialty Insurance
Specialty insurance policies are designed to protect specific assets or situations. Some of the most common specialty insurance policies include:
- Flood Insurance – provides coverage for damages caused by floods.
- Earthquake Insurance – provides coverage for damages caused by earthquakes.
- Pet Insurance – provides coverage for veterinary expenses for pets.
- Travel Insurance – provides coverage for medical expenses, trip cancellations, or interruptions while traveling.
- Wedding Insurance – covers expenses related to wedding cancellations, postponements, or damages to wedding property.
- Event Insurance – covers events, such as concerts or festivals, from liability or property damage claims.
- Boat and Watercraft Insurance covers boats and watercraft from damages or liability claims.
- Recreational Vehicle Insurance
- Motorcycle insurance – provides coverage for motorcycles.
- ATV insurance – provides coverage for all-terrain vehicles.
- RV insurance covers recreational vehicles, such as motorhomes or trailers.
Choosing the right insurance coverage can be overwhelming, but protecting yourself, your assets, and your business from financial losses is essential. Consulting with an insurance professional can help you navigate the various policy options and ensure you have the coverage you need. Page Insurance offers a range of insurance policies to meet your needs, including personal, business, and specialty insurance. Contact us today to learn more about how we can help protect you and your assets.
If you’re ready to explore options, click here.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Mar 24, 2023 | Insurance Tips & Tricks
Welcome to a Better Insurance Experience
All things insurance doesn’t have to be such a pain! We think you’ll love the unique advantages of having all of your insurance with Page.
Key Focus Areas
At Page, we help you with EVERYTHING insurance – including these three things:
- You can more easily figure out which policies and coverages you want – access it all in one place
- Our team of experts will do the shopping for you among our curated powerhouse group of incredible companies.
- You never have to start over! We’re here to re-shop and help you with all aspects of insurance – anytime.
(Claims, service, changes, re-shopping, billing, mobile apps, coverage reviews, etc.)
The Uninformed Shopper Problem
It’s no secret that many insurance companies take advantage of customers who don’t fully understand their options – or go it alone. They often offer policies with less coverage, using cute mascots and funny ads to appeal to your emotions, not your logic. Here are some common pitfalls uninformed customers might face:
- Not understanding the risks they face
- Being uninformed about the coverage options
- No strategy for allocating the insurance budget
- Confused by industry jargon and policy details
- Loyalty to an insurance company costs them in the long run
Page to the Rescue
To tackle these challenges, Page offers a comprehensive, friendly approach:
Identifying Your Needs
We’re here to help you determine the right policies, coverage, and limits for your unique situation. Our expert guidance ensures you understand your options and make informed decisions.
Finding the Best Insurance Company
As an independent agency, we work with dozens of the best companies with hundreds of programs and thousands of incredible products. We’ll help you shop around and provide objective advice on the pros and cons of each option, finding the perfect match for you.
Ongoing Support and Service
With a blend of human expertise and cutting-edge technology, Page offers the best of both worlds. Enjoy access to client portals, 24/7 service hotlines, and your dedicated service team.
How Page Makes Money
Page is an independent insurance agency that no insurance company owns or controls. We have contracts with companies that pay us a small sum per policy, allowing us to offer our services to you for free. This saves the insurance company a TON of money because they don’t have to advertise or maintain expensive offices/staff for sales. These savings are passed on to you.
Everyone wins (except the advertisers and the mascots)!
Reaching Out is a Breeze
Contacting Page is easy – chat, email, phone, text, or Zoom. We’ll gather your information quickly and securely; our experts and tech will shop for the best deals for you. We’ll share our findings, and you can take your time to decide. Once you’re ready, we’ll handle everything, including switching your policies and providing ongoing support.
Side Note: We specialize in people and businesses that are located in Idaho, Utah, and Wyoming. If that’s not you, please send us a note anyway and let us know which state you’re in! We’d love to hear from you.
Reach out to us today and discover how we can help you save money while helping you make sure it’s all personalized for your wants/needs. Click here to get started.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Feb 11, 2022 | Insurance Tips & Tricks
The Hidden Gem: Independent Insurance Agencies
Here’s the big secret: finding and using a top-notch independent insurance agency will make your insurance journey smooth and hassle-free.
So, What is an Independent Insurance Agency?
Many U.S. households and businesses have discovered the magic of independent agencies and swear by them. In fact, about 75% of business owners and 35% of consumers choose Indies for their insurance needs. Yet, that still leaves many people unaware of the benefits.
Independent agencies, or Indies, are not controlled by a specific insurance company, but they have the same power as any agent to serve you. The best part? They usually have access to a wide range of companies and products.
Why Indies are Under the Radar
You might be wondering why, if Indies are so fantastic, more people don’t know about them. It’s simple: Indies don’t spend much on advertising. They rely on delivering top-notch results and word of mouth from satisfied clients. So, the fact that millions have found and stuck with Indies is a testament to their value.
The Buzz Around Indies: What Makes Them Stand Out?
Here’s what makes the best Indies truly special:
- No more shopping for companies one by one
- Objective advice from licensed experts who care
- Ongoing service & advocacy so you’re never alone
- Saving time, energy, and money by letting them handle things
- Access to unique products & programs
How Page Insurance Takes It Up a Notch
While the Indies are awesome, finding a good one can be tricky. That’s where Page Insurance comes in. We take the best practices of Indies and marry that with client-centric practices that are rare in the industry, such as:
- One-stop shop for consumers and business owners
- A team of experts working for you, not just one person
- One key contact to coordinate everything and make it easy
- Expertise in both personal and commercial insurance
- The perfect blend of people and technology
However, we’re best suited for those who live in Idaho, Utah, or Wyoming and meet certain criteria like owning a home and having a good credit history.
Essential Policies for Most People
We’ll help you tailor your coverage, but it’s good to know some common policy types for individuals:
- Personal Auto
- Homeowners and Renters
- Umbrella
- Term Life
- Health (& Dental/Vision)
- Disability
- ATVs, RVs, Boat, Classic Auto, Pet Insurance
Essential Policies for Many Small Businesses
As a business owner, it’s crucial to protect your venture. Here are some key insurance policies to consider:
- General Liability Insurance
- Professional Liability Insurance (Errors and Omissions)
- Workers’ Compensation
- Commercial Property Insurance
- Business Owners Policy (BOP)
- Commercial Auto Insurance
- Cyber Liability Insurance
Don’t worry about the cost! We’ll help you get the coverage you need within your budget, often improving coverage while lowering overall costs.
So, are you ready to discover the magic of independent agencies and see how Page Insurance can make your insurance experience a breeze? Give it a try, and you’ll soon see the difference!
The #1 insurance shopping secret is out: finding a reliable independent insurance agency can revolutionize your insurance experience. With Indies, you’ll enjoy a wealth of options, personalized advice, and ongoing support. Page Insurance takes the concept even further, providing top-notch service tailored to your needs, whether you’re an individual or a small business owner.
Why not give Indies a shot and uncover the perks of independent agencies for yourself? Join the millions of satisfied clients who’ve already discovered the magic of Indies and Page Insurance. Your insurance journey will never be the same!
If you’re curious or ready to find your best deal, click here.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Feb 11, 2022 | Funny Ads Archive
This is dedicated to all of our long-hauler friends. We love you and appreciate all you do.
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