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Insurance For Business

Whether you are running a multinational corporation or a small business operating from a spare bedroom at home, insuring certain aspects of your business is essential. For a number of years an increasing amount of people have been choosing to work from home. With cheaper IT costs, broadband and a greater accessibility over the internet, running a business from home is now an affordable, realistic option. But before you start thinking of converting that shed in the bottom of your garden to a new office, you should seek some professional advice to make sure you cover your business requirements.

Before you start a new venture you need to address the business insurance cover that may be required. These include:

Professional Indemnity

Professional indemnity insurance indemnifies professionals against third parties claims of negligent acts committed in the course of their professional duties. In many businesses such as accountancy or IT consultancy it is a legal requirement to have PI insurance. There are three main areas of PI insurance cover, firstly against a negligent act, error or omission. Secondly cover against a breach of duty and thirdly cover against civil liability, which include breaches of contract, libel or slander.

Employers Liability

Employer’s liability protects a business from any claims made by the employees, for instance claims for accidents in the workplace or sickness caused by the working environment. There are many different types of claims employees can make on their employers, some of the more common include slips, trips or falls, stress and anxiety or an unsafe workplace, for example falling objects. Even if you work alone and you employ someone on a temporary basis, you will be liable for any injuries that they receive.

Public Liability

Public liability insurance protects against claims of a third party due to damage or injury as a result of your businesses activities. The owner or occupier of a business premises is required to provide a level of care for the general public, there are three main degrees of care. Firstly people who by some form are invited onto your premises they are called ‘invitees’. If this ‘invitee’ spends money on a service, your duty of care and your chance of being liable increases, for example if you run a karting centre and one of your customers is hurt due to faulty machinery, you are liable for their injury. Secondly if people enter the premises with the permission of the occupier (called ‘licensees’) but without any economic advantage to the occupier, then the duty of care is less than in the case of ‘invitees’, for example a travelling salesman. Thirdly if there are ‘trespassers’ who enter the business premises without the permission of the occupier, there is still a degree of care owed but it is slight compared to both ‘invitees’ and ‘licensees’. A good example of this is a child who wanders onto a business premises and injures themselves, without necessarily knowing the dangers associated with the building.

There are many other types of insurance that small businesses might look into getting, including,

Equipment Insurance

Equipment insurance covers the damage or loss of equipment within a business, subject to the terms of agreement. For example if a new PC is damaged or dropped and wasn’t covered in the warranty, a good insurance policy would cover the purchase of new equipment.

Buildings and Contents Cover

Buildings and contents cover insurance protects a business’s property from damage, it also covers the fixtures/fittings within the property. Also if you are storing your stock at home, then contents cover will be essential. You could be left heavily indebted if your products or tools are stolen and you risk losing business and income if new tools cannot be purchased.

Legal Expenses insurance

Legal expenses insurance helps protect a business if legal action is taken against the company, for example legal fees and court costs.

Many self employed workers in small businesses rarely consider the implications of being sick or having an accident, leaving them unable to work for long periods of time. Sickness and accident policies cover these eventualities, as well as some longer term policies such as income replacement insurance. It is generally a good idea when shopping around for the best insurance quotes to compare like for like cover, it is a well used tactic to lower cost by lowering cover. So make sure you understand every aspect of what is included under the proposed insurance deal, it will greatly benefit you when you need to make a claim.

It is important to seek specialist advice when looking into insurance and it is important that you request quotes for your specific needs.

How to Get an ISO OHSAS 18001 Accreditation

The International Organisation of Standardisation (ISO) has released a new standard for the 18001 accreditation in 2007.  In these specifications they deal with the defined requirements that your company’s occupational health and safety management systems (OHSMS) should follow in order to be certified.  The overall purpose of these newer management standards is to make sure that companies can reduce problems and risks to their employee’s occupational health and safety.  The important thing to remember is that the ISO Ohsas 18001 Certification will vary depending on the size of your business and the conditions under which your company operates.  For instance, a small business that deals mainly in child care may not have to worry about the same kind of recommendations as a larger construction company.

Many companies have worked hard to meet these standards but they do not necessarily have an accreditation with the ISO.  This means that while they are compliant with the standards, they have not officially registered with the ISO to be audited and receive an official certification to prove that you are compliant with ISO OHSAS 18001.

Before you ask for an auditor to check your company for compliance, one of the first things that you need to do it to read through the safety standards and write down a policy for your employees and your business that matches these standards.  This will include writing down a system of procedures and methods that your company can use to identify potential health and safety risks as well as ways to handle problems should they occur.  You will also want to make sure that if there are any areas of safety that need to be addressed immediately that you have a set of programs in place to address and achieve the objectives that have been outlined in the ISO OHSAS 18001 standards.

In order to make sure that your company is doing everything possible to ensure its safety compliance you will want to appoint someone within the company to be in charge of the policies and managing the occupational health and safety of all employees.  This way you can be sure that any potential risks or problems that could occur are being looked at and dealt with on a daily basis.  This person would also be in charge of coming up with the company’s unique management system and a written protocol for employees to follow to help ensure that the business is remaining up to code with the standards.

When you get the certification for ISO OHSAS 18001 the company will be audited by an external company to make sure that you are following all of the standards correctly and that you are doing everything possible to maintain these standards.  After you receive the accreditation, the company will probably want to keep up with internal audits so that they can address any potential threats or hazards in a timely manner.  This will also allow you to improve and update the management system so that you can be sure that when you apply for re-accreditation you will be sure to meet the standards of ISO OHSAS 18001.

How to Choose the Best Cribs and Crib Beddings

crib beddingcrib bedding sets

Having a tot in your home is truly the most amazing feeling in the world. Of course, now that there is a little one you will have to think all about cribs. And this, of course, must be done before the little one arrives! Cribs and crib bedding and sheets and pillows – all these and more are stuff to think about before Mr. Stork makes a delivery your way. Do not fret, however, because even if there is a wide array of cribs out there your life will certainly be easier if you only have to choose from the best of the best. What you really should remember is that in a baby’s nursery, cribs and crib bedding are very crucial and important pieces.

This makes the baby’s sleeping hours relaxing and cozy, so you want to choose the best one. There are big cribs stores that sell many different kinds of crib bedding and cribs, so you are lucky to choose one to your liking. These contemporary cribs are carefully designed keeping in mind top quality craftsmanship along with style and the ever-important functional value.

When you choose the best cribs and the equally perfect crib bedding set, your baby will have a blissful time in lala land, curled up in the comfort of his very own nest. One great pick for cribs would be a crib sleeper. This is the latest range in stylish cribs and also affordable furniture. It comes with an adjustable mattress so you can probably fit most kinds of crib bedding into it – even those that were given as gifts from well-meaning aunties and uncles. And the best part about this crib is that it comes with a conversion kit. This conversion kit will help you adjust the entire furniture so that it can still work well for your child even up to his toddler years – turning the crib into a great toddler daybed! This certainly is the best style and value for your little one.

There are fixed side rails to this crib for better security and safety, so your little one will not end up rolling off the crib and onto the floor. Furthermore, there is enough space to accommodate even a standard mattress and corresponding crib bedding. It is made of top quality solid wood and also wood veneers. The varnish that was used on this particular piece is non-toxic, thus ensuring the safety of your child’s breathing. There are many different kinds of furniture that you will need to consider for your precious little baby’s first ever nursery, but this particular piece is the most important one. Once you select the crib bedding sets of your choice, you will then be able to focus your attention on the other pieces that make up the entire room.

This is because you know that you were able to successfully and triumphantly accomplish the most challenging task of all, which is choosing the place where the baby will sleep. As soon as you get this, you might end up with a problem-solving equipment for many years to come and for many other children that you might wish to bear later in life.

Important Tips for Buying an Area Rug Online

Buying an area rug online can save you a fortune. But without seeing the rug in person, you have to do your homework first in order to insure that you’ll get a rug that truly compliments your décor and fits perfectly in your chosen room.

The following essential tips are designed to help the online area rug shopper find the perfect piece of fabric to brighten up their home, complete a look or just plain look great.

Tips for Buying an Area Rug Online

— Consider the color and how it impacts the room. As a general rule, area rugs that are darker in color will make a room feel smaller and cozier, while lighter, brighter colors make rooms feel more spacious.

— Take good measurements. Before you order any rug, make sure you have taken good measurements of the area you plan to fill beforehand. Note that there are three common sizes of area rug: 4×6, 6×9, and 8×10.

— Keep an open mind about shapes. When it comes to area rugs, square is not the only available shape. Consider unique designs that are round or interesting geometric forms.

— Handmade vs. Machine-made area rugs. If you want the highest quality craftsmanship, and don’t mind paying a little more money, then a handmade rug is the right investment. However, it is worth noting that many machine-made area rugs also offer high levels of craftsmanship, design and quality (and tend to cost less).

— The perfect rug if you have children or pets. Young children and pets are two of the greatest factors that contribute to the wear-and-tear on an area rug. If you have either, you might want to consider a wool rug or a nylon area rug — both are among the most durable types of rugs and stand up against constant abuse. Silk area rugs are beautiful and hold their value well over time — however they are not a good choice for high-traffic areas when the family spends a lot of time.

— Get extra padding. Many area rugs available online come with extra padding to place beneath the rug. If they don’t then you might want to order matching padding as it will help extended the life of the rug.

— The quality vs. price argument. While there are some exceptions, the quality of a rug is generally tied to the price. Therefore, you will need to make some important decisions about what you want to spend on your rug, and how long you plan on having it. If you want to buy an area rug that lasts for many years, you may need to put a little more money into it on the front end. However, if you are the type of person who likes to change their décor from time-to-time, or plans on moving in the near future, you can find a number of beautiful «lower-end» rug styles at a price that won’t bring you down.

When shopping online for an area rug, remember to follow the advice above, and above all else, have fun with your shopping experience!

How To Choose A Toddler Travel Bed

How to Choose a Toddler Travel Bed

Though it is fairly simple to pick out a crib for your infant when they are that size, or perhaps not even born yet, it can be a lot harder to pick out a toddler bed when your infant graduates to this stage. You can’t apply the same tactics and rationale for choosing a toddler bed as you did with a crib-as this stage requires something very different. Whereas a crib needs to be sturdy and hard to get out of-and most probably, aesthetically pleasing-a toddler bed has different needs. In this article we address the most important specifications of a toddler travel bed to help you buy one that is safe and convenient for you and your toddler.

Toddler Travel Bed Assembly

If you were trying to buy a toddler bed that was just for your home, and certain not to be moved for a time-until your toddler graduated into the next stage of his/her development; than you would not need to worry about how much assembly was necessary. If, however, you will be buying a toddler travel bed, you need to make sure-for your own convenience and sanity-that it is easy to assemble and disassemble when traveling to and then bunking down for the night. As we all know, a parent who is watching a toddler doesn’t have much time before they are into something else, and this is why having a toddler travel bed that is easy to assemble is key.

Toddler Travel Bed Sturdiness

Another necessary component to a good toddler travel bed is sturdiness. Though this can often be overlooked when looking for a bed that can be transportable, it is necessary to spend more money so that your bed is not just transportable, but also, sturdy. The last thing you want is your toddler spilling out of the bed in the middle of the night and getting into something unsafe. The toddler travel bed you select should contain some built in safeguards to keep your child safely snug throughout the night.

Toddler Travel Bed Size & Depth

Another good thing to look for-though this should be secondary to the last two-is a toddler travel bed that is compact and hopefully, somewhat lightweight. If you aren’t likely to travel that much while your child is a toddler; then perhaps, it does not matter; but if you will be staying over at their grandparents’ or your friend’s houses often; it is worthwhile to spend a bit more and get a bed that is large enough for your toddler, but still compact enough to move and transport in the car.

Another key component to a travel bed for your toddler that will be safe and transportable is the depth. Just like a crib, you need to be able to have a bed that is deep enough in so that the toddler cannot get out without your help.

Toddler Travel Bed Comfort

Lastly, it is very important that your toddler be comfortable while away. It is hard enough on a toddler sleeping in a new place-as we all know-without the bed they are sleeping on feeling like cardboard. This is why you should look for a toddler travel bed that has a well rated mattress to go in it. It doesn’t have to be that thick-just thick enough to provide some cushion on a platform or floor.