Insurance Solutions

Providing security on your future activities

Samarpan Infotech has a great source of knowledge and experience in creating insurance solutions for the problems facing agents of today, brokers, and insurance companies. The line of business, personal or commercial insurance are been supported by our adaptable solutions.

Our custom insurance software development services could help you in automating each stage of the policy life cycle from point of sale, mid-term adjustments, renewals and claims to trial balance.

We are offering solutions for the below insurance:

1. Flood Insurance (Disaster manage) Solution:

If you live in an area probably to get flooding, you should have to take benefits of the National Flood Insurance Program.

Policy of National Flood Insurance Program (NFIP)

Administrated through the Federal Emergency Management Agency (FEMA), the NFIP provides offers in flood insurance to homeowners, renters, and business owners if their community participates into the program. The program excels closely with more than 80 private insurance companies.

  • Flood insurance under which two types of insurable property protected: building and contents. The first covers your building; while the latter covers your possessions amount; do not cover the land they occupy. Flood insurance only liable for covers the damage that is a direct result of flooding.
  • Rates are already set nationally and they are do not differ from company to company or agent to agent. These rates depend upon below many factors, following as the 1) date and 2) type of construction of your home place, and 3) your building’s level of risk covers.
Insurance Solution

2. Auto Insurance Solution:

In auto insurance, a number of things involve influence to the premiums you pay for this protection, including your:

  • Gender(M/F)
  • Age(up to now)
  • Marital status(optional)
  • Credit history(mandatory)
  • Car’s make and model(with manual given)
  • City and neighborhood place

Kinds of Auto Insurance

Minimum levels of auto insurance coverage or the equivalent in financial responsibility waivers are driven by drivers that each state carries. There are several components that would make up your insurance policy:

  • Liability coverage protects you in case you are at fault for a collision. It helps get money for medical expenses and vehicle damage for the other driver and passengers.
  • Uninsured motorist coverage pays for damages to your car and medical expenses in case of a matter if an uninsured driver hits your car.
  • Get the underinsured motorist coverage pays damages for your car if there someone hits it, but doesn’t have enough insurance pays to cover your medical expenses amount and car damages.

3. Homeowners and Renters Insurance Solution:

Homeowners and renters insurance provide help for your home and personal property against damage or loss and insure you in case someone gets hurt or damaged while on your property. You might be already having insurance for your home in case if you have taken a mortgage on the property because most lenders apply that make insurance as a condition of the loan.

What could enable Homeowners or Renters Insurance Cover?

Homeowners or renters insurance may be needed to pay claims for:

  • If there cause any damage to your home, garage, and other outbuildings
Homeowners or renters insurance may also under as follows:
  • Liable  for bodily injury and property damage  has included that you cause to others by negligence
  • To pay for injuries occurring in and around your home to anyone except you or your family
  • It ensure provide limited coverage for money, gold, jewelry, and stamp and coin collections
  • Made the  cover personal property in storage
Steps must be Kept to these tips in mind when you shopping for homeowners insurance:
  • Make ensure to your house, and not the land mentioned it. If you don’t subtract the value of the land when deciding how much homeowner’s insurance to purchase, you would have to pay more than you should pay.
  • Ask for special coverage you must be required. There might be had to pay as extra for computers, cameras, jewelry, art, antiques, musical instruments, stamp collections, etc.
  • Disasters as Flood and earthquake damage are not covered under a standard homeowner’s policy.

4. Health Insurance Solution:

Disability insurance prevails help individuals and their families from financial hardship when illness or injury resist them from get earning a living. Many employers give lottery of some form of disability coverage to employees, or you can be brought an individual disability insurance policy.

Kinds of Disability Policies

There are two types of disability policies only:

  • Short-term disability policies which contain a maximum benefit of two years.
  • A long-term disability policy brings benefits that can remain the rest of your life.
Benefits of Social Security Disability and Supplemental Security Income Programs

Both these programs are administered through the Social Security Administration (SSA), and they serve as the largest of several federal programs that provide assistance to people with disabilities.

  • The Social Security disability insurance program pays benefits to the holder and certain members of that same family if they are “insured,” meaning that they have worked very long enough and paid Social Security taxes.
  • The Supplemental Security Income (SSI) program credits benefits based on financial need.
How to receive Health Coverage

You can have got health care coverage by:

  • A group coverage plan at your job place  or your spouse or partner’s job places
  • Your parents’ insurance plan needed, if only you are under 26 years old