Every business whether small, medium or large scale usually starts with an idea. In most cases, these ideas are ones that add value to potential customers.
Things To Consider When Choosing An Insurance Company
When choosing an insurance company, there are several factors to take note of to help you make a wise and if possible, the best decision. Consider some of
the factors below:
- Check out a company’s ratings: What is the quality rating of the insurance company, as published by the main rating agencies in comparison with their peers?
- The paying ability, financial strength, asset, etc of the company matters
- Find out if the insurer is a specialist in this area of insurance coverage
- Will it be possible to meet or speak with any of the insurance company's agent and will you be working from time to time with the same person (agent)?
- Will the company be able to provide an insurance coverage that is adequate enough for your needs?
- Is the insurance company's policy premium cost effective when compared to similar/other insurance companies?
- What are the deductibles you are to pay?
- What is the process and procedures for payment of claims?
- Does the insurer give family discounts on premiums for multiple policies?
- If closeness is going to be an issue, is there a local office nearby that will attend to you?
- Complaints made against the insurance company: Consider the company's record for claim refusal. Your State's Insurance Commission may have a record of complaint.
- The size and life span of the insurance company
- Seek assistance from a seasoned insurance professional
Benefits of Insurance In Business
Benefits of Insurance, Benefits of Insuring a Business, Insurance 1 comment
Anyone who is going into business today must be aware that to be successful, he/she has to take risk. But what of those kinds of risk you have no control over? What do you do to at least reduce the consequences of these uncontrollable risks in business? The answer is simple! Insurance! Make sure you insure your business to take care of those uncontrollable risks that may occur in the future.
As you read on, you will learn about the type of risk your business may face and the benefits of insuring your business.
As you read on, you will learn about the type of risk your business may face and the benefits of insuring your business.
Types of Business Risks
There are many types of risks in business but the most common forms of risks include but are not limited to:- Legal Risks-: This is the risk of a company or its officers being sued for misconduct or negligence. A business may be accused of non-compliance with rules and regulations or standard practices which may lead to a law suit and if found guilty, it may lead to serious financial and non-financial consequences. This kind of risk is applicable to all kinds of businesses but is more prominent in businesses that deal directly with customers.
- Physical Risks-: These are risks that act as physical threats to the existence and smooth operation of a business. For instance, fire disasters, explosions, flood, spillage etc. are typical examples of physical risks.
- Financial Risks-: From the moment a person invests a dime into a business venture, the person undertakes a financial risk because there are probabilities that the business wouldn’t do well and this may lead to a loss of investment. Also, in the course of running the business, some things may occur that would cause the business to lose some money and if not properly guarded against and managed, this may lead to the death of the business.
- Intellectual Property Risks-: This risk arises as a result of a company not taking sufficient steps to protect its intellectual property and inventions and as a result, it gets stolen and leads to a loss for the business.
- Economic Risks-: Remember the 2008/2009 Global Economic Meltdown and how it affected companies with many of them closing down? That’s a typical example of how economic factors can affect a business.
- Inherent Risks-: Inherent risks have to do with the nature of a business.
- Credit Risks-: This involves the debtors of a business and the probability that they wouldn’t pay their debts at the end of day leading to financial losses by the company.
- Market Risks-: This has to do with changing market conditions, buying patterns and changes in demands and trends that may affect the sales and profitability of a business.
Benefits of Insurance in Business Risk management
- Prevents And Minimizes Financial Losses-: Insurance helps you to reduce financial losses when unfortunate events occur. For instance, when there is a breakdown of equipment your company might not be able to function properly and this might lead to a loss of revenue but you can use a business interruption insurance policy to guide against this such that the insurance company covers for any losses incurred during the period.
- Promotes Continuity Of Business-: When some companies are hit with sudden and unplanned unfortunate occurrences, it may lead to the end of it if not properly managed but insurance helps to minimize risks so that the business continues to operate and grow regardless.
- Risk Sharing-: Insurance also helps to achieve risk or loss sharing in business. Such that when a company makes losses instead of profits, the insurance company can come to the rescue. Also, when businesses are hit with misfortunes, they may not be able to solely afford the costs of getting back up and running again but when the business is insured, the risks are shared between the company and in the insurance company such that both parties can collectively get the business up and running again.
- Protects Business Image-: When a business goes down, it is not only the business that suffers; the customers, stakeholders, shareholders and the public are affected too. Therefore, insurance helps to manage bad occurrences so that customers and every other person attached to the business can be protected.
- Protects The Business Against Debtors-: Sometimes, debtors also pose risks to the business and insurance can help to protect the business against defaulters.
- Effective Use Of Resources-: Insurance also helps to promote and ensure that resources are put to the best use. For instance, health insurance helps to ensure that employees are of perfect health and happy so that they can put in their best. Happy and healthy employees equals positive output.
- Provides Assurance To Stakeholders And Investors-: Also, when a company is insured, it provides a kind of assurance to people who may consider doing business with them. Insuring your company attracts shareholders and customers to your business.
CONCLUSION
The benefits of insurance to your business is limitless and boundless, so, you would be doing yourself a whole lot of good by insuring your business.Renter's Insurance: What Does It Cover?
We all have so many questions about Insurance, the policy to buy and what it covers. I hope this article helps.
An all-perils renter's insurance policy provides worldwide theft coverage for personal property. It doesn't matter where you travel to as an insured renter: Theft coverage travels with your belongings.
2. Car
An all-perils renter's insurance policy does not cover the theft of a vehicle. It does, however, provide coverage for personal property stolen with a vehicle or from a vehicle, and this applies wherever the vehicle is: in your home town, out of state or out of the country.
3. Bicycle
Bikes count as personal property, and as such, are fully insured. If you have an especially expensive model, it might be best to schedule it on the policy, as when insuring anything unique or of high value.
The insured must make a good faith effort to remedy the problem as soon as it is detected. This includes contacting the owner or property manager of the structure. The owner is responsible for repairing and mitigating any mold, and dealing with the water leak or whatever caused damage in the first place. Both the tenant and owner policies could be used together to subrogate claims.
Subrogation is a term denoting a legal right reserved by most insurance carriers. Subrogation is the right for an insurer to legally pursue a third party that caused an insurance loss to the insured. This is done as a means of recovering the amount of the claim paid by the insurance carrier to the insured for the loss.
The liability insurance portion of your coverage can protect you in case a visitor is injured on your property.
In the event of a lawsuit, your renter's insurance policy would cover the legal costs and any payouts that you would be responsible for if you are found legally liable. Some examples of payouts would be a medical bill directly related to the accident or replacement of a third party's property that was damaged in your home.
Depending on your policy, your family members may also be covered against personal injury. For example, if your son, who lives with you in your rented apartment, has a guest over and that guest suffers a slip-and-fall injury due to your son's negligence, your renter's insurance would cover the legal costs and medical expenses of the guest.
Usually, it has to do with someone else, or someone else's property. A good scenario is this: If your dog rips up the carpet in your own apartment, it may not be covered, but if the dog chews up the alligator suitcase belonging to a house guest, it may be. Basically, if your pet is legally responsible for damage to a visitor's belongings, or bodily injury to the visitor, chances are that the pet coverage will assume the liability.
The bottom line is, after you buy a policy, take an inventory of all of your personal belongings, and include photos, videos and appraisals. Store this list in a safe place; outside your home, a safe deposit box, a trusted friend or family member, or better still, send it as an attachment to your mailbox. By inventorying items, insured renters can be properly prepared in the event of a claim. In the event of a loss, report the claim to the insurance company as soon as possible.
A. Theft
1. GeneralAn all-perils renter's insurance policy provides worldwide theft coverage for personal property. It doesn't matter where you travel to as an insured renter: Theft coverage travels with your belongings.
2. Car
An all-perils renter's insurance policy does not cover the theft of a vehicle. It does, however, provide coverage for personal property stolen with a vehicle or from a vehicle, and this applies wherever the vehicle is: in your home town, out of state or out of the country.
3. Bicycle
Bikes count as personal property, and as such, are fully insured. If you have an especially expensive model, it might be best to schedule it on the policy, as when insuring anything unique or of high value.
B. Mold
Coverage differs from one insurance company to another and from state to state. An all-perils renter's insurance policy typically provides a low set amount of coverage for damage caused by mold as long as it occurred from a covered peril. In a named-perils policy, mold coverage must be specifically included. If it isn't, mold coverage may be purchased through a rider.The insured must make a good faith effort to remedy the problem as soon as it is detected. This includes contacting the owner or property manager of the structure. The owner is responsible for repairing and mitigating any mold, and dealing with the water leak or whatever caused damage in the first place. Both the tenant and owner policies could be used together to subrogate claims.
Subrogation is a term denoting a legal right reserved by most insurance carriers. Subrogation is the right for an insurer to legally pursue a third party that caused an insurance loss to the insured. This is done as a means of recovering the amount of the claim paid by the insurance carrier to the insured for the loss.
C. Water Damage/Flooding
An all-perils renter's insurance policy does cover water damage, if
the damage is a result of a water leak inside the structure, like from a
burst pipe or faulty water sprinkler. Damage caused by rising
water from an exterior source, such as a flood, would not be covered by
renter's insurance. Separate flood insurance
would need to be purchased through the National Flood Insurance Program
or a private carrier that offers flood insurance in the region where
the dwelling is located (though you need only buy coverage for your
belongings, not the building itself).
D. Storage Units
An all-perils renter's insurance policy provides coverage for the contents of storage units, excluding autos. It does not matter where a storage unit is located. Most policies limit the amount of off-premise coverage to around 10% of the total personal property coverage. Limits on the types of covered perils still apply. In certain areas, perils such as earthquakes and hurricanes may not be covered. Flooding from external rising waters would not be covered under a renter's insurance policy, either.E. Personal Injuries
Renter's insurance provides two main forms of coverage – liability and contents insurance.The liability insurance portion of your coverage can protect you in case a visitor is injured on your property.
In the event of a lawsuit, your renter's insurance policy would cover the legal costs and any payouts that you would be responsible for if you are found legally liable. Some examples of payouts would be a medical bill directly related to the accident or replacement of a third party's property that was damaged in your home.
Depending on your policy, your family members may also be covered against personal injury. For example, if your son, who lives with you in your rented apartment, has a guest over and that guest suffers a slip-and-fall injury due to your son's negligence, your renter's insurance would cover the legal costs and medical expenses of the guest.
F. Pet Damage
Most renter's insurance does not offer coverage, or at least full coverage, for pet damage. A policy that does offer that usually includes clauses in the contract specifying the types of scenarios in which the coverage applies.Usually, it has to do with someone else, or someone else's property. A good scenario is this: If your dog rips up the carpet in your own apartment, it may not be covered, but if the dog chews up the alligator suitcase belonging to a house guest, it may be. Basically, if your pet is legally responsible for damage to a visitor's belongings, or bodily injury to the visitor, chances are that the pet coverage will assume the liability.
G. Bed Bugs
Renter's insurance policies do not cover bed bug infestations. Bed bugs are typically included in the same category as other vermin, such as cockroaches and mice. Detecting and cleaning a bed bug infestation is considered a maintenance expense and a responsibility of a renter.
Providers of renter's insurance exclude bed bug or any other type
of infestation for numerous reasons. One possible reason is the
difficulty in determining the cause of the infestation; it could be due
to negligence or carelessness on the renter's part.
H. Moving
An all-perils renter's insurance policy covers damage to items
resulting from a covered peril during a move, such as theft. Fire and
water damage would also qualify you to file a claim, but there are limitations and
exceptions to this coverage. Most policies do not cover general
damage to items resulting from a move, such as broken dishes or
furniture.
If you hire a moving company, the company is responsible for getting the items moved without damage. Check into a moving company's liability insurance to make sure it offers replacement cost coverage on any damaged items; often, the moving company's insurance settles claims based on weight or the items' actual cash value.
If you hire a moving company, the company is responsible for getting the items moved without damage. Check into a moving company's liability insurance to make sure it offers replacement cost coverage on any damaged items; often, the moving company's insurance settles claims based on weight or the items' actual cash value.
The bottom line is, after you buy a policy, take an inventory of all of your personal belongings, and include photos, videos and appraisals. Store this list in a safe place; outside your home, a safe deposit box, a trusted friend or family member, or better still, send it as an attachment to your mailbox. By inventorying items, insured renters can be properly prepared in the event of a claim. In the event of a loss, report the claim to the insurance company as soon as possible.
Suitable Reasons To Purchase Renter's Insurance
Renters insurance help cover the cost of replacing
your stuff if it's unexpectedly damaged or ruined. That protection
generally applies to certain risks (also referred to as "perils"), such
as fire and theft. It is a policy that protects your home valuables.
If you're renting an apartment or home, you'll need an insurance policy to cover your belongings. Your landlord's property insurance policy covers losses to the building itself – whether it's an apartment, a house or a duplex. Your personal property and certain liabilities, however, are covered only through a renter's insurance policy that you, as a tenant, have to find and pay for. While 95% of homeowners have a homeowner's insurance policy, only 37% of renters have renter's insurance, according to a 2014 Insurance Information Institute poll conducted by ORC International.
Then begs the question: why do so few renters have insurance? One reason for this is that so many people incorrectly assume they are covered by their landlord's policy. Another reason is that people underestimate the value of their belongings. If you add up the value of just your clothing and electronics, it probably wouldn't take long to get into the thousands of dollars. One more often overlooked reason is liability: If someone is injured in your house – a friend, neighbor, or the pizza delivery person – they could sue you.
So, even if you thought you didn't need insurance, here are some good reasons why you should get a renter's insurance policy.
See Also A Guide To Renter's Insurance
1. AFFORDABILITY:
The average renter's insurance policy costs $187 a year, according to 2011 figures reported by the National Association of Insurance Commissioners (NAIC) in 2013. Your actual cost will depend on factors, including how much coverage you need, the type of coverage you choose, the amount of your deductible and your residence. If you're in Mississippi, for example, you'll pay the most (average $252 a year); if you live in North or South Dakota, you'll pay the least (average $117 a year).
2. IT COVERS LOSSES TO PERSONAL PROPERTY:
A renter’s insurance policy protects against losses to your personal property, including clothes, jewelry, luggage, computers, furniture, and electronics. Even if you don't own much, it can quickly add up to a lot more than you realize and a lot more than you would want to pay to replace everything. According to esurance.com, the average renter owns about $20,000 worth of personal property.
Renter's policies protect against a surprisingly long list of perils. A standard HO-4 policy designed for renters, for example, covers losses to personal property from perils including:
Read Also Why you should purchase a disability rider on life insurance
3. YOUR LANDLORD MAY REQUIRE IT:
Your landlord's insurance covers the structure itself and the grounds, but certainly not your belongings. A growing number of landlords require tenants to purchase their own renter's insurance policies, and they'll expect to see proof of purchase. This could be the landlord's idea, or it could be an "order" from the landlord's insurance company – the idea being that if the tenants are covered themselves, some responsibility can be shifted away from the landlord. If you need assistance finding or obtaining coverage, your landlord may be able to help.
4. IT PROVIDES LIABILITY COVERAGE:
Liability coverage is also included in a standard renter’s insurance policies. This provides protection if someone is injured while in your home or if you (or another covered person) accidentally injure someone. It pays any court judgments as well as legal expenses, up to the policy limit.
Most policies provide at least $100,000 of liability coverage, and between $1,000 and $5,000 for medical-payments coverage. You can request (and pay for) higher coverage limits. If you need more than $300,000 of liability coverage, ask your insurance company about an umbrella policy, which can provide an additional $1 million worth of coverage for about $150 to $300 a year.
5. IT COVERS YOUR BELONGINGS WHEN YOU TRAVEL:
Renter's insurance covers your personal belongings, whether they are in your home, car,or with you while you travel. Your possessions are covered from loss due to theft and other covered losses anywhere you travel in the world. Check your policy or ask your insurance agent for details on what constitutes "other covered losses."
6. IT MAY COVER ADDITIONAL LIVING EXPENSES:
If your home becomes uninhabitable due to one of the covered perils, your renter's insurance policy may cover “additional living expenses,” including the cost associated with living somewhere else temporarily, food and more. Check with your policy to find out how long it will cover additional living expenses, and if it caps the amount the company will pay.
In fact, the whole summary of the matter is that renter's insurance provides coverage for your personal belongings, whether they are in your home , car or with you while you're on vacation. In addition, renter's insurance provides liability coverage in case someone is injured in your home or if you accidentally cause an injury to someone.
Make sure you understand what exactly your policy covers,and ask your agent about any available discounts, deductibles and coverage limits. For example, be sure you know whether your insurance provides replacement cost coverage (RCC) for your personal property or actual cash value (ACV). The first will pay to replace your 15-year-old carpet, say, with a new one, at current market rates, while the second will only reimburse you for the value of a carpet that's 15 years old. Needless to say, RCC costs more.
If you're renting an apartment or home, you'll need an insurance policy to cover your belongings. Your landlord's property insurance policy covers losses to the building itself – whether it's an apartment, a house or a duplex. Your personal property and certain liabilities, however, are covered only through a renter's insurance policy that you, as a tenant, have to find and pay for. While 95% of homeowners have a homeowner's insurance policy, only 37% of renters have renter's insurance, according to a 2014 Insurance Information Institute poll conducted by ORC International.
Then begs the question: why do so few renters have insurance? One reason for this is that so many people incorrectly assume they are covered by their landlord's policy. Another reason is that people underestimate the value of their belongings. If you add up the value of just your clothing and electronics, it probably wouldn't take long to get into the thousands of dollars. One more often overlooked reason is liability: If someone is injured in your house – a friend, neighbor, or the pizza delivery person – they could sue you.
So, even if you thought you didn't need insurance, here are some good reasons why you should get a renter's insurance policy.
See Also A Guide To Renter's Insurance
1. AFFORDABILITY:
The average renter's insurance policy costs $187 a year, according to 2011 figures reported by the National Association of Insurance Commissioners (NAIC) in 2013. Your actual cost will depend on factors, including how much coverage you need, the type of coverage you choose, the amount of your deductible and your residence. If you're in Mississippi, for example, you'll pay the most (average $252 a year); if you live in North or South Dakota, you'll pay the least (average $117 a year).
2. IT COVERS LOSSES TO PERSONAL PROPERTY:
A renter’s insurance policy protects against losses to your personal property, including clothes, jewelry, luggage, computers, furniture, and electronics. Even if you don't own much, it can quickly add up to a lot more than you realize and a lot more than you would want to pay to replace everything. According to esurance.com, the average renter owns about $20,000 worth of personal property.
Renter's policies protect against a surprisingly long list of perils. A standard HO-4 policy designed for renters, for example, covers losses to personal property from perils including:
- Damages caused by aircraft
- Damages caused by vehicles
- Explosion
- Falling objects
- Fire or lightning
- Riot or civil commotion
- Smoke
- Theft
- Vandalism or malicious mischief
- Volcanic eruption
- Weight of ice, snow or sleet
- Windstorm or hail
- Damage from water or steam from sources including household appliances, plumbing, heating, air conditioning or fire-protective sprinkler systems
Read Also Why you should purchase a disability rider on life insurance
3. YOUR LANDLORD MAY REQUIRE IT:
Your landlord's insurance covers the structure itself and the grounds, but certainly not your belongings. A growing number of landlords require tenants to purchase their own renter's insurance policies, and they'll expect to see proof of purchase. This could be the landlord's idea, or it could be an "order" from the landlord's insurance company – the idea being that if the tenants are covered themselves, some responsibility can be shifted away from the landlord. If you need assistance finding or obtaining coverage, your landlord may be able to help.
4. IT PROVIDES LIABILITY COVERAGE:
Liability coverage is also included in a standard renter’s insurance policies. This provides protection if someone is injured while in your home or if you (or another covered person) accidentally injure someone. It pays any court judgments as well as legal expenses, up to the policy limit.
Most policies provide at least $100,000 of liability coverage, and between $1,000 and $5,000 for medical-payments coverage. You can request (and pay for) higher coverage limits. If you need more than $300,000 of liability coverage, ask your insurance company about an umbrella policy, which can provide an additional $1 million worth of coverage for about $150 to $300 a year.
5. IT COVERS YOUR BELONGINGS WHEN YOU TRAVEL:
Renter's insurance covers your personal belongings, whether they are in your home, car,or with you while you travel. Your possessions are covered from loss due to theft and other covered losses anywhere you travel in the world. Check your policy or ask your insurance agent for details on what constitutes "other covered losses."
6. IT MAY COVER ADDITIONAL LIVING EXPENSES:
If your home becomes uninhabitable due to one of the covered perils, your renter's insurance policy may cover “additional living expenses,” including the cost associated with living somewhere else temporarily, food and more. Check with your policy to find out how long it will cover additional living expenses, and if it caps the amount the company will pay.
In fact, the whole summary of the matter is that renter's insurance provides coverage for your personal belongings, whether they are in your home , car or with you while you're on vacation. In addition, renter's insurance provides liability coverage in case someone is injured in your home or if you accidentally cause an injury to someone.
Make sure you understand what exactly your policy covers,and ask your agent about any available discounts, deductibles and coverage limits. For example, be sure you know whether your insurance provides replacement cost coverage (RCC) for your personal property or actual cash value (ACV). The first will pay to replace your 15-year-old carpet, say, with a new one, at current market rates, while the second will only reimburse you for the value of a carpet that's 15 years old. Needless to say, RCC costs more.
Etisalat recharge card code: How to recharge your Etisalat Line
This is a short post on how to recharge Etisalat line through USSD code. There are many ways to recharge your Etisalat number but we are more interested in explaining how to load your Etisalat mobile number through USSD code. You could decide to recharge via ATM, Quicktelller, Bank mobile apps, etc....
How to Deactivate FB account temporarily | Close Facebook Account Now!
How to Deactivate FB account temporarily | Close Facebook Account Now! - There mare reasons why you should deactivate your account. One of which may be addiction - You can deactivate your Facebook account if you are feeling too addicted to it. We know how addictive Facebook can be ... so, this guide will help you deactivate your FB account for the mean time and you could reactivate it whenever it pleases you.
How do I deactivate or permanently delete my Facebook account?
How do I deactivate or permanently delete my Facebook account?: Deactivating or deleting Facebook is an option you have to choose when deciding to leave Facebook. If you choose to deactivate your FB account, you can always return to Facebook and recover all your information. But be very careful if you choose to delete your Facebook account permanently because you will not be given the chance to regain your account. If you are sure about deleting your account, then you must download and backup your data from Facebook.
I forgot Facebook Password, how can I reset my password on Facebook?
I forgot Facebook Password, how can I change or reset my password on Facebook?: If you've forgotten your Facebook password, changing Facebook password can be a bit tricky because you may have to reset your password by using the I forgot password feature.
Can U Deactivate or Delete Your Facebook Account?
Can U Deactivate or Delete Your Facebook Account? The answer is yes, you can decide to deactivate your Facebook account anytime and on any device you use in accessing your account. I'll show you how to deactivate your account in this blog post. Just read on!!!
When it comes to leaving Facebook, there are two choices you need to choose from: Either choose to delete Facebook account permanently or deactivate your Facebook profile temporarily.
Can U Deactivate or Delete Your Facebook Account? |
When it comes to leaving Facebook, there are two choices you need to choose from: Either choose to delete Facebook account permanently or deactivate your Facebook profile temporarily.
What You Should Expect When Suing An Insurance Company
Are you trying to sue an insurance company? Her are some things you should expect when doing it:
Read Also: Can you sue an insurance company
- You should hire a lawyer, likewise the insurance company. Your goal is to hire a qualified lawyer who is experienced in suing insurance companies. You should also make sure the lawyer has good references and recommendations.
- Your lawyer and the lawyer for the insurance company will investigate and examine facts and the history of the dispute through a process called “discovery”. Discovery involves exchanging documents and conducting “depositions”. A deposition is a formal fact-finding process, under oath, conducted by the insurance company’s lawyer.
- You and the insurance company spend money on court costs, experts, discovery and travel.
- At some point during the case, your lawyer will prepare you for a “deposition.” When you are a “deponent”( an individual who under oath or affirmation, gives an out-of-court testimony in a deposition), you swear to answer questions truthfully. Your lawyer should protect you from unfair questions during a deposition by making “objections.”
- If you do not settle, and your case goes to trial, you will be required to be a witness and testify in court.
- A lawsuit can take several years to resolve. You will have to be patient and wait for the outcome.
- You should be able to trust your lawyer to handle the case with occasional “check-ins” to keep you posted on the status.
- You most likely will have to participate in mediation/settlement discussions.
- You will have to weigh settlement offers and make decisions throughout the case.
Read Also: Can you sue an insurance company
Can You Sue An Insurance Company?
Filing a policy claim with your
insurance company can be an arduous and intimidating process. Many
people feel pressured and helpless when a massive insurance corporation
refuses to pay on a policy, and think there is no way to contest it. The good news is that, if your insurance company refuses to pay on a policy, you can contest it. An insurance companies must obey the law like everyone else. It is
important to know your rights to sue an insurer. Then begs the question; can you sue an insurance company?
Deactivate or Delete Facebook Account Permanently Now
Ensure to downloaded a copy of your Facebook data before
deactivating or permanently deleting it. You should also be aware of the fact
that you can gain access to your Facebook account after you’ve
deactivated it. But be very careful, you won’t get the chance to change your
mind after you’ve deleted your Facebook account permanently. So, make certain that you want to delete account permanently.
Cheap Etisalat Data Plan For Android, Windows, Blackberry And iPhone - May 2017
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You can subscribe to Etisalat Nigeria data plan with as low as #50 for 10MB and you can get 1GB Data for just #1,000 to browse the internet for 30 days.
How to Deactivate Facebook Account Temporarily
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How to Deactivate Facebook Account Temporarily: You can deactivate your Facebook account if you are feeling too addicted to it. We know how addictive Facebook can be... so, this guide will help you to deactivate for the mean time and reactivate it whenever you want to.
How To Unblock Someone On Facebook
Facebook is a powerful social media and a great way to keep in touch with friends, family and clients. However, if you've got any qualm that led to blocking friend or Facebook user, you can still reverse that action, below is how to unblock someone on Facebook.