Talk to Your Insurance Agent About Options for Your Business

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Starting a small business can seem like a good idea. Due to high unemployment rates, many job seekers resort to accepting the first job they are offered. This often results in worker dissatisfaction due to not liking co-workers, supervisors, or the work itself. By starting a company and working for yourself, you set your own hours and provide a service or product in which you have an interest. Plus, if you do not like your boss, you have only yourself to blame. A common mistake that people make when planning to start their own business is failing to take into account the need for specific safety measures. Sit down with an insurance agent before opening a business to find out what types of insurance you may need.
One very good reason to have insurance for your small business is that people are litigious. Slipping and falling in a big box store is the ideal situation for an opportunistic plaintiff, but any company will do just fine when it comes to collecting on an alleged personal injury. A general liability policy will protect you from possible bankruptcy resulting from legal fees, judgments, and settlements stemming from an injury at your business. Obtaining a general liability policy is probably less expensive than you think, and an insurance agent can help you find coverage for only what you need based on your location and the type of organization you are operating. Another strategy used by the professional plaintiff is to file a lawsuit if they are involved in an accident with a company vehicle. If your business transports employees, products, or equipment in its own vehicles, those vehicles should be insured. Alternatively, non-owned auto liability coverage will offer protection in the event that employees using their own cars on company business are involved in an accident and lack adequate insurance coverage.

A business owner’s policy may be a good option for you if you are concerned about premium costs. This type of policy bundles together some of the most popular types of coverage into one package at an affordable premium. An owner’s policy often includes business interruption, property, vehicle, liability, and crime coverage.

Finally, you may want to consider a new type of coverage known as data compromise. Given the very public data breaches that occurred during the 2013 holiday season, it might be a good idea to discuss with an insurance agent whether or not you could benefit from this type of coverage. If you have non-public information about your clients or employees, you are responsible for protecting that information from being stolen. Some policies allow you to quickly respond to a breach by informing affected customers, credit monitoring services, and good faith advertising expenses, which can help restore your reputation following any unwanted attention.

Starting a business is a significant investment, and having appropriate insurance plays an important role in protecting that investment. Not insuring your company can be far costlier than annual premiums in the event of an accident, crime, or other disaster.

How Driving Licence Insurance Can Save you Money

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If you were asked to list your most highly prized possession, it’s likely your driving licence wouldn’t make the top 10. Yet, when you consider all that it enables you to do, it might be worth a little reconsideration.
Having a driving licence affords a level of independence and freedom that previous to, would not have been possible. Whether it’s popping to the shops at a moment’s notice or not having to rely on train times to dictate your daily plans, it’s safe to say that your little pink card makes life a whole lot easier. So what are you doing to protect it?

With life’s everyday demands and stricter sanctions on speed limits, it can be all too easy to tot-up points on your licence. These can, in turn, lead to a driving ban. In the UK last year, 92,136 motorists were disqualified from driving (IAM, 2014) emphasising that licence loss is very much a reality.

If you were at risk of losing your licence how would you cope?

The legal fees involved in a motor prosecution defence can be eye-wateringly expensive, not to mention stressful. And if you were disqualified as a result, adapting to your new circumstances can be difficult. Without the freedom to drive away at a moment’s notice, you’d have to rely on taxis and public transport to get from A to B. In time, the daily cost of travel can really mount up, an added expense you could do without.

The great news is that there are many insurance products out there specifically designed to give disqualified drivers a helping hand. Some insurers for example, offer a disqualification benefit, providing monthly instalments to the insured during their disqualified period. This benefit can be used to finance alternative transportation costs, providing a clever way to combat post-ban bank-balance woes.

Typically, these policies also include much more than just a disqualification benefit, offering services such as motor prosecution defence to try to prevent your disqualification. Always in the hands of a trained professional, motor prosecution defence provides another way to save money by side-stepping unexpected legal costs, helping to evade or at least reduce the effects of your prosecution.

Insuring your driving licence will help ensure that, whatever lies in the road ahead, life can drive on smoothly.

How a Home Warranty Benefits Buyers

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Entering into a contract to buy a house is not a small commitment. When entering into a real estate transaction, buyers can utilize numerous tools to protect themselves. A home warranty is one way to ensure that you will not experience unexpected expenses from repairs to your residence.
Reliable Repairs

When something goes wrong with an appliance or system covered by a home warranty, you can simply call the insurance provider to schedule repair service. For example, if the heating or cooling system stops working or the refrigerator begins making a funny noise, you can call to make a claim. The company will handle the situation, stepping in with a professional who will diagnose the problem and resolve the issue. The professionals who provide service under the terms of the home warranty will be pre-screened to ensure high-quality workmanship.

Protection from Expenses

Having a warranty in place will protect you from unexpected expenses. During the initial term of the contract, you can avoid typical expenses that accompany wear and tear on systems and appliances. Once the initial policy expires, you also have the option of renewing it to continue your coverage. In this way, you can insulate yourself from many of the service expenses associated with owning a home. Most policies do not institute service limitations. This means that you can receive repair or replacements for as many components as necessary.

Fast Claims Process

When you call for a claim, you can anticipate a fast turnaround for service. The insurance company will respond quickly with a qualified contractor who will visit to inspect the problem. Once diagnosed, the company will quickly perform the repair or replacement. If a contractor is not available within a specified time period, most companies will allow you to use a different contractor outside of their approved network to ensure fast service.

Replacement

Appliances and systems wear out over time and with use. With a home warranty in place, if a covered appliance or system breaks down and needs to be replaced, the policy will cover the cost to replace and install the new system or appliance.

Locksmith Services

Many policies also offer locksmith services to policyholders. With this service, if you lock yourself out of your house, you can receive free assistance from the locksmith as a service of the contract. Check to see whether the contract stipulates a limit on the number of times per year you can call a locksmith.

Appliance Upgrades

If you opt to upgrade appliances before they wear out, your policy may provide you with significant discounts for your purchases. Check the terms of the contract to learn whether you can receive discounts on future appliance purchases.

Build Your Own Plan

Explore options for building a coverage plan that fits your unique needs. Many companies offer customization options, such as choosing which items are included in the plan and determining the desired level of coverage. This ensures that you don’t pay for coverage that you don’t need.

When you have a home warranty, you can relax after a home purchase knowing that you have coverage in place that will protect your budget from unexpected expenses and costly repairs.

How New Technology Can Help Achieve First-Time Deliveries

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Efficiency is paramount for a courier company, and in order to maximise potential profits, successful first-time deliveries need to be happening regularly. Read on to find out how you can achieve this and ultimately make your company smarter and stronger.
What Am I Doing Wrong?

Hopefully you aren’t doing anything wrong yet! The question is, how can you make what you are doing better and more efficient? The first step is learning to accept and trust the new technologies that are becoming increasingly popular for delivery work. Companies are constantly looking for the latest device that will allow drivers to plan routes quickly, avoid hazards on the roads and optimise potential shortcuts and opportunities.

Telematics There are numerous telematics providers that can help your company achieve these all-important first-time deliveries and, in addition, make the most of your vehicle when it’s empty. Delivery software such as Fleetmatics, Causeway and Masternaut (to name a few) can all provide solutions for your business in terms of maximising profits. This could include tracking software, which involves locating vans with empty loads and allowing exchange members to take more deliveries on their return journeys. Assigning more delivery work to a single driver will not only be better for the environment, but will most certainly be better for your company’s bottom line.

Some software allows data insight into your vehicles (speed, fuel usage, mileage etc). This makes large fleets simpler to manage and more cost-effective. Others such as Microlise can help further reduce the environmental impacts of your vehicles, as well as improve your driver safety and performance.

Mapping Data

Planning and customizing routes can make delivery work far easier and more resourceful. Technology like a planning application can map several routes at once to a location, choosing the most appropriate for your journey based on traffic data. A driver can then visualise the route and compare it with those they have previously driven. Using this software, a driver can also re-order the stops to suit any unexpected changes along the way.

Once a route is accepted on the computer or mobile app, it can automatically notify the customer of a one-hour ETA time slot. This has been largely successful among its users, with 98% of deliveries being received first time. Again, this programming can be customised by the driver.

Informing the customer in this way can make your company appear extremely reliable and efficient – if you are on time, of course. The customer can also begin to trust the couriers, as they are able to interact with them through the technology – choosing a time slot for the delivery of their package and adding extra information for the driver where necessary.

Norman Dulwich is a correspondent for Courier Exchange, the world’s largest neutral trading hub for same day delivery work in the express freight exchange industry. Over 5,400 member companies are networked together through the Exchange to fill empty capacity, get new clients and form long-lasting business relationships.

Lucky in Leeds: How the Council are Helping the Haulage Industry

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Leeds City Council is making moves to help out those working in the haulage industry by re-working a few regulations and encouraging governmental support. To begin with, the fee for non-Euro-6 HGV’s entering the city’s Clean Air Zone is being reduced from £100 to £50. Drivers will welcome the chance to save a bit of cash and make their haulage jobs in the area more profitable and this reduction in fees is the first of several suggested changes. Read on for more.
Long-awaited Support

As well as reducing the fee, the council plans to scale back the charging zone boundary. This will mean less of an economic impact on the businesses using the routes, with a little more leeway to travel free of charge. They are also suggesting that drivers should only be charged once per day, no matter how many CAZ’s they enter while carrying out their haulage jobs. This policy is being pushed on a national level and, again, the economic impact for companies will be significantly reduced if successful.

In addition, the local council is calling on the government to aid haulage businesses in other ways. Both retrofit accreditation and manufacturing funding have been suggested as ways to increase the number of low-emission vehicles being approved and available for local haulage companies. The impact of this could be huge, particularly if the idea spreads to other large cities with similar volumes of traffic.

Doing Their Bit

The Leeds City Council has not stopped there. They have recently introduced a few strategies for their own fleet, with the view to further lowering harmful emissions (clearly they can’t get enough of being eco-friendly). Already they have one of the largest local authority fleets of ‘green’ vehicles, but have promised to buy a further 200 electric vans by the year 2020. This action could also encourage other fleet owners to follow suit and invest in electric or alternative fuel vehicles.

The council has also appealed to have a refuelling station built for HGV drivers to use, where alternative fuels including CNG, LNG and (eventually) hydrogen will be available to purchase. Having more refuelling stations will increase the number of haulage jobs that can be completed using low-emission vehicles, since drivers will not have to limit themselves quite as much to the proximity of fuel stations.

Will This Be Enough?

The industry holds out hope for a positive response from the government regarding these potential changes as they have the potential to dramatically reduce not only harmful emissions, but overheads for haulage companies as well. It may seem expensive to finance the development of fuel stations, for example, but in the long run, having a more eco-friendly delivery industry will benefit everyone in the wider community.

In a world where more and more businesses are using more and more resources, any success in reducing emissions and creating a ‘greener’ transport industry should be greatly encouraged. In the future, with more initiatives like these ones, haulage jobs could end up being completely eco-friendly – and that’s certainly something to be celebrated!

Author Plate

Norman Dulwich is a Correspondent for Haulage Exchange, the leading online trade network for the road transport industry. Connecting logistics professionals across the UK and Europe through their website, Haulage Exchange provides services for matching haulage jobs with available drivers. Over 5,400 member companies are networked together through the Exchange to fill empty capacity, get new clients and form long-lasting business relationships.

Get Better Website Design Packages With Quikseo

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Your website is a vital component of your company’s marketing plan. It’s the heart throbbing area for your content marketing and messaging efforts. All the other marketing materials should drive and support traffic to your website.
To make the business or organization improved online, it is necessary to make the web pages unique in a highly efficient way. Earlier it was said that website development is easiest and competition less. But nowadays in trending internet world, you need to be unique to get audience traffic to your site. So, Quikseo utilizes various techniques to make your website improved online and offers highly sought-after website design packages India.

Yet all too often, business people don’t think about SEO until the website is designed and the site is sadly lacking in the digital marketing. The website may look shiny, but if the marketing smarts are not properly combined to the design time, then you will be running out of the marketing race or it is waste of money with running out loads of time and effort.

If you are planning to market a product through your site then you probably need a better UI design. There are designs namely UX and UI designs. UX is a user experience design which makes the audience to get the visual experience of the product through design and outlook of the website. The UI is the user interface which tells you the in-depth detail of the product to attract your audience. Quikseo has a master and experienced team in providing you a wonderful UX/UI design.

In addition, Quikseo provides fully Mobile Compatible version of your site, uses a high-quality meta tag in codes to make SEO and delivers you a highly remarkable social media integration icon at your site to increase your traffic via social media too.

About Quikseo Quikseo is a leading website design and development services agency. They deliver e-commerce website design, UI / UX website design, word press website design, open source website design, responsive/mobile friendly website design and Mobile UI/UX Design. They built a quality website development technique and marketing ideas to create effective websites, strong marketing and outreach campaigns for the clients. So, contact them and buy a website design package.

Why Should You Trade in Cryptocurrency?

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Cryptocurrency’s notion is currently becoming remarkably popular among traders. A concept introduced into the world by Satoshi Nakamoto as a side product turned into a hit. Decoding Cryptocurrency we know crypto is something hidden and currency is a medium of trade. It is a sort of money used from the block chain created and stored. This is accomplished through encryption methods in order to control confirmation and the production of the money.
Investors are getting attracted towards cyptocurrencies and number of companies has started to grow as per time. Some major companies who are investing in cryptocurrency are Devery, Black Banx, Cardstack, CEEK etc. They have been providing reliable services regarding cryptocurrency.

Cryptocurrency is a part of a digital database operating in the virtual world’s process. The identity of the person here cannot be determined. Additionally, there is no centralized authority that governs the trading of cryptocurrency. This money is equal to hard gold preserved by people and the worth of which is supposed to be getting increased by bounds and leaps. The digital system is one where only the miners have the right to make changes. They’re the only human touch providers in the computer system.

Forgery of this cryptocurrency is not possible as the whole system is based on puzzles and hard core math. Adjustments are only made by people who know how to solve these puzzles. The transaction confirmed becomes part of the database and also the block series that cannot be reversed.

Cryptocurrency is not anything but currency which is created with the help of coding technique. It is based on peer-to-peer control system. Let us now know how trading in this market can benefits one.

1. Can’t be forged or reversed: Though many people are able to rebut this, the transactions done are permanent; however, the best thing about cryptocurrencies is that when the transaction is supported. A block has added and then the trade cannot be forged. You become the owner of the block.

2. Online trades: This not only makes it suitable for anybody sitting in any part of the world to innovate, but it also eases the rate with which trade becomes processed. When compared with real time in which you need parties to come into the picture take financing or to purchase gold or house, you need a computer and a buyer or seller in the event of cryptocurrency. This concept is full of ROI’s prospects and speedy.

3. The fee is reduced per transaction: There is low or no commission taken by the miners during the trades because it is taken care of by the network.

4. Accessibility: The concept is so practical that all those men and women who have access to laptops and smart-phone can access the cryptocurrency market and trade in it anytime anywhere. This availability makes it more rewarding. Many nations like Kenya has introduced the M-Pesa system allowing bit coin apparatus which allows 1 to have a bit coin wallet together as the ROI is commendable.

Cryptocurrency has definitely been a revolutionary concept which sees a flourishing expansion in years to come. At precisely the same time, the concept is fresh to most of the people and a bit ambiguous. In order to understand how this whole thing works, we deliver to you cryptocurrency information. This will update you further on each type of cryptocurrencies prevailing in the marketplace including the Bitcoin information. Go ahead and enlighten yourself a bit more as to what this concept is and how it can help you.

Prevention is the Best Cure: Fighting Freight Crime

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If you’re someone who works in the haulage industry, it’s understandable that the idea of freight crime would be frightening. Whether you’ve experienced it firsthand or have been lucky enough to have only heard the stories, the thought of your vehicle being messed with or stolen from is certainly unsettling.
Fortunately, the Bedfordshire Police are on the case and they’ve come up with a campaign to ease the troubled minds of lorry drivers all over England. Together with the National Vehicle Crime Intelligence Service, they’ve implemented a program that they hope will reduce crime by increasing awareness of Heavy Goods Vehicle (HGV) theft and providing advice for its prevention.

The National Vehicle Crime Intelligence Service

The National Vehicle Crime Intelligence Service, more commonly known as the NaVCIS, is responsible for combating all organised vehicle crime. This means actively fighting against it when an offence has occurred, as well as working to diminish vehicle finance crime and the use of vehicles in illegal activities.

They believe prevention is the best cure – and that’s exactly why they’ve teamed up with the Bedfordshire Police and created a prevention program.

The Program Low Down

Bedfordshire is known for being a hot spot in the haulage industry; hauliers from all over Europe travel its roads daily. Due to the region’s extensive reach to lorry drivers, a freight crime awareness day was hosted. As the name suggests, it focused on informing drivers of the potential dangers and offering advice for how to avoid becoming a target or a victim.

To remain inclusive to both national and international audiences, many aspects of the event were held in multiple languages. For example, the NaVCIS and the police provided leaflets in English, Romanian, Bulgarian, Lithuanian and French, as well as ensuring officers who spoke more than one language were around to give clarification, instruction and advice to any patrons who required it.

During the program, lorry drivers themselves were given a voice. They had the opportunity to fill out a questionnaire about their satisfaction with HGV security and share their experiences surrounding freight theft (whether personal or second hand).

Additional Advice

Protecting yourself from organised vehicle offences is all about prevention. Luckily, there are many precautions those in the haulage industry can take to make sure they and their belongings remain safe. One of the most important steps is choosing the right haulage exchange platform. Here are some things lorry drivers should take into consideration:

• Is there a member rating system? If so, how does it work? An arrangement where members are able to publicly rate those they have personally worked with is a great feature some platforms offer. That way, if a haulier is considering working with an individual or business they’ve never encountered before, they can see what feedback has been given in the past. • How strict is the screening process? In this case, the more rigorous the better – it ensures that each applicant is entirely legitimate.

Freight crime doesn’t have to give those in the haulage industry such a fright, with the NaVCIS taking a special interest in HGV crime and the preceding advice.