We plan in advance when there's a holiday coming up. There is however a lot of risks that may be not be anticipated during a trip. Many variables can go wrong. You might have some family or personal emergency that makes you have to reconsider the dates and the plans. You may even be short on money which makes it a complicated situation.It could also be that you're traveling companion is not well or you have a work related problem...more
Whether you are a frequent traveler or you just go for the occasional business trip you will need to consider getting international travel insurance. If you are going abroad for work or studies also, it is important to have proper coverage. A trip is filled with surprises some pleasant, others not so pleasant.When you are prepared to deal with the worst that can happen you can be safer and you can make sure that there are no...more
Paperwork may not make the world go round, but it can use up a lot of time and patience. For busy people, paperwork needs to be pinned down, and an efficient management system needs to be in place to do it. There are a few ways of doing this, internally and externally. The "admin factor" in self insurance requires a level of expertise, and management needs to decide the best fit for its operations.Doing your paperwork in house issuesThe main issues with self insurance administration are twofold:Administration costs and efficiencies: Theres an obvious dichotomy for business in terms of administration costs in specialised areas. The work must be done, but its also resource intensive in some cases, particularly when the work is undertaken by in-house professionals whose jobs are designed to cope with workloads generated by the business. In house management may or may not be cost efficient, based on the requirements of the workload.Accounts and financial management issues: Self insurance is a financial management issue, and it is necessary for the business to conduct its self insurance operations according to statutory requirements. Input from financial managers is required, and...more
Insurance is considered as an integral aspect of our lives. it means you can live life without worrying about anything. Many believe it gives us the freedom to experiment and opportunity to recover from mistakes in the past. Insurance needs vary individual to individual. If one intends to drive a car in the US, one needs to avail...more
Insurance is considered as an integral aspect of our lives. it means you can live life without worrying about anything. Many believe it gives us the freedom to experiment and opportunity to recover from mistakes in the past. Insurance needs vary individual to individual. If one intends to drive a car in the US, one needs to avail...more
You can look through the Internet all day trying to find the best insurance policies available to you and not even get close to seeing all of them. There are hundreds of health care agencies that are willing to sell you insurance, but this is not an area to enter if you are not an expert on the issue. You know what you need as far as coverage, but the websites can be vague and you don't want to sign your safety over without knowing exactly what you are getting in return.There are a lot of insurance agents out there who are looking to make a buck off of people but it is best to really do some investigating. That might mean some time on the Internet checking into alternate plans, but you also want an expert who can counsel you in temporary health insurance plans just in case you need them. It never hurts to be prepared, especially today when jobs are flying out the door every day.The benefits of some of those temporary plans you might want to sign onto are less than you already had under your employee insurance plan, but remember that your family has special needs and, while it is easy to sign on with the cheapest plan available, that doesn't mean it is the best for you and your...more
You've got pen in hand, ready to sign a new client contract, and then you glance at the fine print. It says that to get the work, your IT business needs to carry five different kinds of insurance. That can't be right! Or can it?If...more
If you have run into a plumbing problem in your home, it may be time to call your insurance company to file a claim. No one wants to run into these problems, but sometimes, you just have to make the best of the situation. If you can isolate the...more
You might be thinking about starting up a cab company and there is nothing wrong with that. Cities need taxis, especially considering that in some cities it is nearly impossible for one to drive a personal vehicle on the streets and for this reason...more
It is extremely wise to have the correct insurance if you are a bar owner. Running a bar requires plenty of planning and organisation and this includes bar insurance. Any bar owner selling alcohol to the public will be well aware of the...more
People nowadays are used to having big cars with a lot of HP and fast 0-60 MPH times so that they can enjoy the most out of their lives. But what happens when something goes wrong with your 1.4 million Euros Bugatti Veyron Blue Centenaire? Whos going...more
A social club is defined as a place where a group of people or their meeting place is formed around a common occupation or activity. They can range from sports clubs, working men's clubs or snooker clubs for instance. Whatever type of...more