Comparing Business Insurance Quotes Online

If you are in business you will need insurance to cover all your activities against loss, damage or liability. However before you buy insurance you will need to obtain business insurance quotes which provide details of the cover offered and the premiums to be paid.

If you were to have a claim your insurance company will insist that you provide them with at least three quotes for repair or replacement, so it makes sense to obtain at least three quotes before committing your business to a particular insurance company or policy.

Fortunately it is now a simple and quick process to obtain quotes from many different sources using the Internet. Some of the many price comparison sites that exist today will offer you in excess of twenty business insurance quotes, and if price is your major consideration, then the choice of policy and provider is as wide as it ever has been.

There are three different types of provider of business insurance online, all which will provide a quote or more.

The first type of provider is a business insurance broker or intermediary with an online presence. These traditional brokers have web enabled their back office systems to allow them to compare quotes from their panel of providers, for the information that you supply about your business, in the online form on their websites. More often than not these systems compare the quotes on your behalf and only provide you with one quote, which is issued on a policy in the name of the brokers. Using a broker to obtain business insurance quotes has the advantage of being able to speak to an expert on the phone, if you have problems with the online quotation system.

Another type of intermediary is the business insurance price comparison website. In the UK this market is dominated by the big three price comparison websites and a number of smaller brokers who have made the leap to online comparison systems.

Obtaining quotes from a price comparison website is a quick and useful method of determining average market prices and cover for your particular line of business. If you are self-employed or a small business with under fifty employees, getting quotes online can be rewarding and save you a lot of time and money, but only if your business type fits the standardised policy wordings.

A good price comparison system will offer a wide range of quote prices and covers for all types of business insurance, however it is worthwhile trying a few of these out, as the suppliers tend to vary with each different site.

Finally it is also worth getting a quote direct from a major business insurance company.They often have special offers available for certain business types that they are trying to attract.

Whichever route you take to get business insurance quotes you will need to provide some basic information to apply online. This will include details of your risk address, your business type or profession, the number of people the business employs, your annual turnover and the value of any business property such and buildings, contents or stock.

Quotes can be obtained online from all sources with various levels of cover for public liability insurance, employers liability insurance, professional indemnity insurance, business property insurance and specialist trade or professional packages offering both liability and building and contents covers.

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Residential Landlord Insurance

If you own a second property that is let for rent you will require what is known as a residential landlords insurance policy. This type of insurance provides coverage for risks that might cause damage or loss to the let property buildings or contents.

A landlords insurance policy is similar to a domestic household policy and offers basic buildings, fixtures and fittings cover with the option to add contents insurance to cover the landlords possessions in furnished let properties.

All policies will include cover against the major perils of fire, flood, storm and theft where contents covers have been included for furnished lets. For an additional premium buildings and contents accidental damage cover can be added.

Covers can also be added for loss of rent and alternative accommodation in the event of a claim for example, for a fire. Most policies will also provide escape of water cover, loss of keys cover and property owners liability cover. Legal protection cover and claims assistance, can usually be added for an additional fee.

Many policies currently offer additional services such as landlords emergency cover which provides twenty-four hour on-site assistance for events such as a broken down central heating boiler or a burst pipe.

In order to get quotes for the let property building, a landlord will need to consider the rebuilding costs which becomes the policy sum insured. It is important that the buildings are insured for the correct rebuilding amount, not the re-sale value of the property. Failure to declare the actual rebuilding value of the let property would mean that any claim would be subject to what is called the 'average clause'. This would reduce the amount of the claim proportionally by the amount of under-insurance.

In the UK the rates, terms and conditions of a landlord insurance policy are governed by the type of let. Risk types include professional lets, DSS and unemployed lets and holiday home lets. Rates are then determined by the type of property which can be anything from a semi-detached house, detached houses, bungalows, cottages, multi tenure buildings, houses of multiple occupation, flats, studio flats, pods and various types of holiday home let.

Specialist buildings such as thatched cottages let for short-term or vacation purposes, long-term lets and grade 1 and 2 listed buildings can also be covered by a residential landlord policy.

Specialist all risks landlord insurance and let property insurance packages are widely available today from a variety of sources, including high street commercial insurance brokers and online from price comparison websites and direct landlord insurance companies.

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Change A Teen Through Unconditional Acceptance

You may have heard of Maslow's Hierarchy of Needs. In a nutshell, if we are to ever to ascend the summit of our true potential, and live a happy and fulfilling life (self-actualization), we must first provide ourselves the basic needs of, as Maslow puts it, Esteem, Love/belonging, Safety, and Physiological.

One of our most primary needs is ACCEPTANCE. It falls into the "Love/Belonging" and "Esteem" categories.

Acceptance is never more important than during the teen and preteen years - when they are clamoring, ever so awkwardly, toward adulthood and on their way to the summit of self-actualization (their true potential).

Many of us believe the basic need of Acceptance can only be supplied by others. That it is something that comes to us, and something others must provide for us.

"BZZZZZZZZT!" Wrong! Or, in the words of Alex Trebek, "Oooooo... sorry."

One thing I stress to teens as I travel across the country is that if they spend their time expecting other people to make them happy, they'll never be happy.

The same thing is true with Acceptance.

The person who should be the most accepting of you... is you.

Why do you think teens make so many stupid decisions? Even adults for that matter?

When people are hungry for acceptance and seek after validation, they make choices that they wouldn't normally make. They believe that by acting a certain way it will help them to be noticed and accepted by the person or group they're trying to impress.

Why do you think:

kids get involved in gangs there is a bullying epidemic in schools across our nations there are as many as 850,000 teen pregnancies reported each year 20% of teens have seriously considered suicide in the last 12 months 80% of 12th graders and 51.7% of 8th graders use alcohol as their drug of choice 1.3 million students fail to graduate each year

... and on and on.

To help a teen accept themselves, they must feel unconditional acceptance from you.

Giving a teen unconditional acceptance means regardless of what they've done, who they are, what they say, or where they come from, you make them feel understood instead of judged. And that's not always easy. We're human. It's natural to pass judgment.

Don't confuse acceptance with approval.

Accepting a teenager unconditionally doesn't mean you have to accept their reasoning, the premise of what they're saying, their poor behavior or bad attitude, their disrespect, their playing the victim card, or their oft-times poor sense of judgment.

But the simple act of showing them that you accept them for who they are, as a person - their weaknesses, strengths and all - is the first step to helping them build their own self-acceptance. This will lead to their building a more positive self-esteem and self-confidence. It will open the door of a truly meaningful relationship in inspiring and influencing the life of a teen.

Understanding Kids With Bedwetting Problems

Parents have to know more about nocturnal enuresis or adult bedwetting. Simply dismissing it as a natural occurrence may work at times, but parents should also think about other possible causes that would need medical attention and treatment. Some of the cause of bedwetting among children can include stress or constipation. Children with ADHD (Attention Deficit Hyperactivity Disorder) may also experience wetting the bed at night. A few children may have sleeping disorders such as sleep apnea and some have problems with infections that may cause the same problem.

Although parents can let their children wear baby diapers, they have to think of other ways of helping them with the problem especially if they are more than three years old. Though it may ease the problem, children may develop negative feelings about their inability to control their bladders that they have to be treated as babies. Parents may have to bring their kids for proper diagnosis if the problem persists longer than expected. They should refrain from punishing or making comments that tend to degrade children and make them feel shame and guilt. The ill effects of this kind of experiences will have lasting effects on their development until they grow up as mature individuals.

It may not be too difficult for parents to explain to their children what really happens during their sleeping time and the reasons why they are not able to wake up when their bladder is full they need this bedwetting alarm. Parents may enlist the cooperation of their kids so that it would easier for them to wake them up during the night to go to the bathroom. It will be a little sacrifice on the part of the parents but they have to help their children lessen the problem without harming their emotional and psychological well-being. Children on the other hand, may learn that they too have a responsibility in keeping themselves dry as much as possible. They may also respond better if parents know how to deal with the problem without getting angry and without showing signs of frustrations and other negative emotions.

Parents can also employ practical means of alleviating the bedwetting problems of their kids. They can put some plastic covering on the beds before putting the top covers so that the mattress would not be soaked in urine in case children accidentally wet their beds. They can also check some alarm systems placed in the underpants that can wake up their kids in case moisture starts to build up while they are sleeping. There are still lots of things that parents can do in order to help their children to stay dry throughout the night. However, they really need to have the patience in helping their children get over their bedwetting problem.

When Can Patients Sue a Hospital for Negligence?

When can you sue the hospital or its employees for negligence?

A hospital can be sued for negligence for mistakes that harm or kill a patient. When an employee of the hospital is guilty of negligence, you can sue the hospital. When a doctor working for a hospital makes a mistake, both the doctor personally and the hospital as a whole can be sued. However, doctors can only be sued if they were present and could have prevented the negligence. You cannot sue every doctor in the Emergency Room or surgical floor, only the one who administered or oversaw your treatment. Hospitals can also be sued when a doctor with a history of negligence and medical mistakes was kept on the payroll, thus enabling them to continue harming patients.

What constitutes neglect?

Neglect occurs when someone does not do their job as a normal and competent professional would. Negligence includes not verifying instructions, not following checklists, failing to assist patients in need and not take immediate action in an emergency. There are greater tolerances for mistakes made in life threatening emergencies than general care situations. Malpractice and negligence can arise from a failure to properly diagnose a condition or injury. Negligence can occur when someone is given the improper treatment or the correct treatment is administered incorrectly. Nurses administering the wrong medication and therapists following the wrong protocols are examples of this.

Failing to risk patients of negative outcomes from a medical treatment or side effects of the treatment is also negligence. Recommending a surgery to cure cataracts that can also leave a patient blind is an example of this concept. To sue for negligence, the risk must be significant enough that the patient might have chosen not to have the procedure or treatment if they had known and must have suffered that negative outcome.

Can you sue medical professionals other than doctors at the hospital?

Yes. Any medical professional affiliated with a hospital can be sued for negligence. This includes nurses, physical therapists, medical technicians and pharmacists. First responders such as paramedics and firefighters have broad protection from medical negligence claims, due to the difficulty of acting during emergencies, unless they are employees of the hospital and provide care at the facility. Good Samaritans are rarely sued for negligence unless their actions are reckless.

What types of damages are available when someone sues a hospital for negligence?

There must be a specific injury as well as actual damage to sue for negligence. You cannot sue a hospital because you were unhappy with the level of service.

Physical pain and suffering Medical bills with other medical facilities or practitioners to treat the condition caused by the hospital's neglect, injuries caused by the hospital or diagnose what the hospital failed to find. Lost income due to the inability to work or lost income of the individual who died Medical bills resulting from additional treatment at the hospital if the patient had received the proper course of treatment. Costs of physical therapy or assisted care while recovering Why the Fear of a Malpractice Lawsuit May Be Causing Malpractice   How The Compensation Claim Process Works   Have You Acquired Hepatitis?   

Medical Malpractice Happens When Foreign Bodies Are Left in a Patient After Surgery

You would think the surgeon operating on a patient would keep track of the sponges. They did not in this case.

This case is the one of the nightmarish ones. You go to a hospital for an operation and someone leaves a foreign body inside the operating site. If you are lucky, they catch it and it is removed. Not that it makes the mistake any easier to swallow when you have to have two operations instead of one and that your doctor messed up big time.

This wrongful death lawsuit was filed after the death of a man who went to hospital experiencing pain, and other symptoms, as a result of acute diverticulitis of the sigmoid portion of his colon. He needed surgery. The hospital was happy to oblige and he had his operation. He subsequently died a few days later, much to the bafflement of the surgeon and hospital staff that had transferred him to another area hospital to treat his declining medical condition. It turned out the surgeon had left a laparotomy pad inside the man. Despite emergency surgery upon finding the pad, intensive care and specialized treatment, the man died.

The lawsuit stated the hospital and the surgeon failed to keep track of their surgical instruments, laparotomy pads, sponges and other devices used in the initial surgery. A medical expert, retained by the plaintiff in this suit, indicated the care the deceased received did not meet the accepted standard expected at the hospital, and expected by other patients in similar circumstances. Clearly, if the surgeon leaves a foreign object behind in someone they operated on, this is a major mistake. That mistake caused this man's death due to abdominal sepsis. It doesn't get any more straightforward than that.

While there are rarely open and shut cases in wrongful death and/or medical malpractice lawsuits, this case comes close. It is obvious that but for the negligence of the surgeon, the man would still be alive today. If you feel you have been the victim of medical malpractice, and lived to tell about it, do not waste any time in contacting a Manchester personal injury lawyer about the case.

If you leave your doubts on the shelf too long, you may face losing the right to file a lawsuit, because you have missed the deadline for filing under the state statute of limitations. Medical malpractice/wrongful death lawsuits are no walk in the park, but some of them are clear enough on the evidence that they will not take as long as they could to settle or come to a resolution. Discuss your situation with a Manchester personal injury lawyer, and find out where you stand.

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