1.  Ask each for an assessment of your insurance needs and a plan to cover those needs.

2.  But co-op boards also need to be diligent when determining the insurance needs of the building itself and carefully scrutinize the fine print in their policies.

3.  Car owners usually go over their insurance needs with an agent when they take out a policy, he said, and automatically renew every year without making adjustments.

4.  Eventually, the company plans to create interactive services that would help consumers assess their insurance needs and request bids from insurance companies.

5.  Now, the on-line consumer can do a single search, type in information specific to their insurance needs, and immediately receive prices from a multitude of companies.

6.  The program also covers the insurance needs of the wealthy, which can be starkly different from those of the middle class.

7.  Those with some insurance need to sit down and figure out how much money your loved ones would need if you died today.

8.  Berkley International aims to meet the insurance needs of the local market as well as provide management ideas.