The Basics of Tradesman Insurance

You may have hired the services of many workers, but you have to believe that gardeners, carpenters and builders are on the list of the most diligent workers. However, the problem for these workers is that they are prone to several risks. For instance, they may lose their tools or they may get involved in an accident while working at a site. Let’s know more about the tradesman insurance.

Tradesman Insurance

As said earlier, tradesmen’s job involves the risk of accidents. An average office worker may not be prone to as many risks as a tradesman. Actually, tradesmen make use of dangerous tools. That is the reason they are more likely to get injured than other people. The majority of tradesmen is usually self-employed. So, replacing a damaged or lost equipment is very hard for them. They may lose a lot of potential income if they don’t get a replacement for their lost or damaged tool. Fortunately, they have a ray of hope in the form of the tradesman insurance. This type of insurance is provided especially for these people.

If you have no idea what this insurance is, you can go ahead and read through this article. Tradesman insurance offers the following coverage:

Public liability coverage

This type of coverage offers coverage against legal expenses that may incur because of the claims of a property damage or injury to a worker.

Personal accident coverage

Personal accident coverage will provide coverage in case of an injured staff member at the workplace.

Damage to someone else’s property

This type of coverage helps you to pay for the expenses that occur when the workers cause damage to the property of a client.

Contractual works

This type of cover insures the construction works of the tradesman, including materials, especially if they get damaged or stolen. Aside from this, it can reimburse the heavy expenses related to extra costs of labor needed in order to rebuild the things that were completed earlier. For instance, this can offer coverage if a storm causes a damage to a building that is being built by a contractor.

Tools and equipment

The tools and equipment insurance offers coverage to the policyholder in case of the costs that occur in case of a repair or theft of a tool or piece of equipment.

Commercial Vehicle Coverage

This type of coverage protects you against the cost of upkeep of a vehicle of van that you use for business. Aside from this, it can cover for the rental cost of a vehicle. You can also buy other optional features or covers. For instance, with efficacy coverage, you can reimburse the litigation expenses if you are held liable for the installation of a faulty security alarm.

You can also buy tax investigation coverage if your business is being investigated for reasons related to tax. It will provide coverage against the loss of income during the investigation.

The Takeaway

So, if you are a tradesman, we suggest that you give a go to the tradesman coverage. Hope this helps.

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Quick Guide to An Insurance Claim

Before anything else, we first have to understand what an insurance claim is. This way we can better appreciate the whole procedure and it simply becomes easy to go through because we already know what to do step by step, in relation to the whole process.

A claim is when you ask the insurance company to compensate you for damages you have sustained after a car accident, or when you ask the insurance company to represent you or intervene on your behalf when you are liable for damages.

You pay a lot of money for your car insurance, so it makes sense that if you are involved in an accident, you will want to make a claim. Depending on whether the accident is responsible, or not responsible, and the type of damage, your insurance company will be able to provide coverage based on the kind of car insurance coverage you have.

Claims can be paid from the comprehensive coverage, collision coverage, or any of the minimum car insurance requirement sections, such as liability. Claims may also be paid from multiple sections of your policy depending on the circumstances of your car crash.

If you are wondering whether your collision claims process will be more difficult to bear than the accident itself, the good news is that filing a claim is usually fairly simple. By following a systematic approach and carefully recording what has happened, you can gather all of the information you need. The following guidelines will help you ensure the process goes smoothly.

ON THE ACCIDENT SCENE

One of the best ways to speed up the entire claims process is to get off to the right start, and that begins at the accident scene itself. The more good information and evidence you can collect there, the better.

Here’s what to get:

Personal Data: Try to get basic personal information from everyone at the scene. That includes all other drivers, passengers, and bystanders. Get their names, phone numbers, and home and email addresses. Anything that will make it easier to find them later. If you have time, take some notes about what each witness saw and heard. Pass all of this information along to your claims adjuster, but be sure to keep copies for yourself.
Insurance Information: This is particularly important. Make sure to exchange insurance information with the drivers of all vehicles involved in the accident. It’s probably going to be the first thing your adjuster asks you for.
Pictures: Take a bunch of photos of the accident scene. If you can get pictures before the vehicles are moved out of the way, great, but don’t create a dangerous situation just to take them. Definitely take photos of all damages to your car, every other vehicle involved, and anything else. Take a few pictures of the accident location as well. A few different angles are always helpful. Take pictures of the parties involved and all witnesses, if you can. And, finally, take photos of each party’s insurance card.
Law Enforcement: Always call the police after an accident. They may or may not be able to respond, but it’s always worth a try. When they arrive, make sure to get the officers’ names. They will gather their own information and take interviews for their report, and instruct you on how to obtain a copy the report once it is written up. Hold onto whatever paperwork they give you and pass on copies to your adjuster.
Contact Your Insurer ASAP
I’m sure you’ve heard the saying, “most crimes are solved in the first 48 hours after the incident.” That’s because the crime scene remains intact and the details are still fresh in the minds of the witnesses. It’s kind of like that with an auto accident. We’re not talking about a crime here (I hope), but the idea still works. The sooner you contact your insurer, the easier it will be for them to make the inquiries they need to get the most accurate data. It’s not a bad idea to call them from the scene of the accident, if possible.

Be Cooperative and Prompt

Most small accidents are relatively simple for your adjuster to handle. He or she has done them hundreds of times over. That doesn’t mean that a claim can’t be held up by some missing piece of evidence or information.

If your adjuster calls you and leaves a message to call him or her back, do it as soon as you can. Good communication between insurer and claimant is vital. Plus, it’s hard to complain about slow processing if you’re the one holding it up.

Be Honest

This rule seems obvious, but not everyone follows it. It’s human to want to avoid pain, and admitting that you are at fault for your accident can be pretty painful. But if you are at fault, don’t try to get out of it by lying. First of all, insurance adjusters have a lot of experience with accidents and fibbers.

They’re really good about figuring out what actually happened and that can be pretty bad for you if you are less than forthcoming with the facts. Remember “Double Indemnity”? Insurance fraud is frowned upon and could cost you a lot more money than the premium increase you’ll likely get by admitting fault.

And if you’re looking for a speedy conclusion to the claims process, being dishonest will surely slow it down, and sometimes bring it to a crashing halt.

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7 Good Reasons to Invest in a Functional Life Coach

If you have no idea what life coaching is all about and how it can have a positive impact on your life, you are on the right page. In this article, we are going to discuss 7 good reasons to invest in a functional life coach. Basically, the role of a life coach is to give you the advice, motivation and a different perspective on issues so you can keep moving on. Let’s find out more.

1. Gaining Clarity

First of all, life coaching helps you get a better idea of what you want and how you can get it. It’s important that you have a better understanding of who you want to become and how you can achieve your desired goals.

The majority of people don’t take the time to understand their life. Therefore, they don’t have a clear direction. So, gaining clarity is of paramount importance.

2. Improving Confidence

For success, it’s important to gain confidence and improve your self-image. Aside from this, it’s important for strengthening your physical health and maintaining your relationships.

So, what you should do is know your worth, elevate your standards, and look at yourself as a person who gets the most out of their life. This is what will empower you so you can work harder to achieve your goals.

3. Overcoming your Fear and Insecurities

Running from your fears won’t help at all. You should recognize your fears and use them to your advantage. In other words, you should use your fear to achieve your goals in life.

4. Implementing your Plan

If you have a solid theory, you should put it into practice. The idea is to get an education and motivation for achieving your desired results.

5. Recognizing Possibilities

Some individuals consider their life non-changeable with no control or choice. If you consult a coach, you can get a different perspective and use a lot of options irrespective of your circumstances.

6. Creating a Plan to Achieve your Goals

The majority of people don’t follow a goal or life plan. In other words, they don’t have any clear intentions, mission or vision. This can be changed by consulting a coach. After all, having a solid plan is important if you want to deal with the routine challenges in a better way.

7. Holding yourself Accountable

Consulting a life coach can help you hit your targets. At times, it’s quite difficult to look for people who can hold you responsible for your mistakes while giving you the motivation you need. This is what a life coach can do for you. They will identify your mistakes and spur on you to go through the entire process.

So, if you are finding it hard to go through the challenges of life, you may want to look for the services of a meaningful, productive, compassionate, and passionate life coach. Your coach will work with you so you can get the most out of your life and efforts. To hire the best coach, we suggest that you do your homework.

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5 Reasons Why Health Insurance Is a Must for Everyone

A few years ago, there was a common misconception that family health insurance is a type of luxury that only the rich can afford. However, this perception is now changing due to many reasons, such as inflation, rising hospitalization expenses, and the growth of the middle class.

There is no doubt that individual health insurance is considered important across the globe. Today, homemakers and working professionals are looking for insurance policies that can cover their expenses related to critical illnesses, lifestyle disorders, health conditions, and diseases just to name a few.

In this article, we are going to talk about five convincing reasons that explain the importance of health insurance for people, regardless of their age, gender, profession, or social status. Read on to know more.

Financial Protection

First of all, the policy provides financial protection. It can cover your medical expenses when you get injured or fall sick. In these situations, you won’t have to pay your expenses out of your own pocket. Apart from this, this policy can pay for your surgeries and other medical procedures that can cost you thousands of dollars.

For instance, simple bypass surgery can cost you up to $60000 if you don’t have medical insurance. And you may not have that much extra cash to deal with this type of emergencies.

Lifestyle Health Conditions

Many homemakers and working professionals suffer from health conditions, such as hypertension, hormonal imbalance, chronic back pain, obesity, and diabetes. Most people develop these conditions due to their stressful lifestyles. The fact of the matter is that even youngsters have to see specialists to deal with their conditions these days.

Besides, mental illnesses are quite common these days. Therefore, it is important that you get insurance for your family.

Cashless Hospitalization

Health Insurance offers cashless hospitalization. For example, if one of your family members falls sick all of a sudden in the middle of the night, you will have to get them hospitalized right away. At the hospital, they may demand thousands of dollars for immediate surgery to save the life of the patient. Now, If you don’t have the cash right away, you may risk the life of your loved one.

In this situation, family health insurance can help you deal with this matter. With this policy, you don’t have to pay cash upfront. Your insurance company will pay for the medical expenses.

Critical Illness Insurance

Today, insurance companies allow you to purchase critical health insurance. If you or a loved one suffers a heart attack, paralysis, kidney failure or cancer, this type of insurance can provide partial coverage as far as medical expenses are concerned. In some cases, the policy can provide full coverage for medical treatment.

Peace of Mind

Having an insurance policy gives you peace of mind. You won’t have to spend sleepless nights wondering how you will pay for the medical costs of your family members. If you have health insurance, your insurance company will pay for any unexpected medical expenses.

Long story short, if you want to enjoy all these benefits, we suggest that you apply for health insurance, especially for your family.

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Important Things To Check Before Moving To An Apartment

You’ve found a great apartment in your price range and ready to move in. But before you pack your bags and boxes and load up the moving truck, you’ll want to do an apartment walkthrough. Essentially, it’s like running through a home safety checklist; you walk through the apartment with your landlord or rental agent and determine if there are any issues that need fixing before you move in.

These Are Some Important Things To Check Before Moving To An Apartment

Safety
Make sure that smoke detectors and fire extinguishers are in place. Check the building’s hallways and other areas for fire safety features.
If your apartment windows has bars, are they approved safety gates that don’t require a key? Also make sure that each room has an operable window large enough to escape through. Find out what the fire escape plan is for the building and make sure you know where to go

Doors and windows
Make Sure to check all locks and door knobs are secure and not wobbly and that you will be supplied with keys for each lock.
Try all windows and doors to make sure they open and close properly.
Are window coverings intact? Note any missing screens. This is also a good opportunity to check for drafts.

Plumbing
Look around the toilets and under and around every sink to make sure that nothing is damp or dripping.
Make sure that faucets shut off properly and that all sink stops work.
Check the tub and sinks for missing grout or tiles.
Turn the shower on to test for water pressure and hot water temperature. It’s important to find out if you share a hot water heater or if your unit has its own. (This could affect the kind of shower you’ll have in the mornings!)

Appliances
Test each appliance to make sure it works properly.
On the stove, test each burner and the oven/broiler.
Check the refrigerator, freezer, dishwasher, air conditioning/heating system, washer and dryer.
If the laundry facilities are in a common area, be sure it is clean, bright, well maintained and accessible to residents only.

Electrical
It’s a good idea to bring a small appliance with you like a radio or clock to test outlets.
Turn all the wall switches off and on to make sure they work properly.

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