How to Choose Insurance Company for Small Businesses

- - Business, Legal

Business liability insurance – or “commercial general business liability insurance” – safeguards a company’s assets in case of a lawsuit. It provides financial payments for any settlement or award assessed against the business, which may include legal defense fees.  It never hurts to have a good HR graduate on your team to help deal with the lesser issues though.

How to Choose an Insurance Company

The United States Small Business Administration provides advice about how choose an insurance company and policy. To find the best company for you, the agency recommends:

Shopping Around

Compare multiple companies’ policy options, meaning coverage types, premiums, and deductibles; to not only be able to see what options are available to you, but also to learn about the companies and business insurance practices in general.

May companies use the term “business liability insurance” as a general category for multiple types of policies, including disability, commercial auto, and general liability. Shopping around will help you understand what a company considers to be “business liability” and the different policies you may need to purchase to meet your insurance goals from separate companies.

Seeking Assistance

The SBA recommends obtaining assistance from a reputable, licensed insurance broker. This is because an agent can usually provide you with better rates and coverage types or options than if you shopped on your own. You can typically find licensed insurance brokers by searching on your state’s department of insurance website.

Other Factors to Consider

An insurance broker helps you by first assessing your business’ needs. This tells him or her policy type will likely fit your business and helps narrow down the companies to investigate. A broker is not affiliated with any specific insurance company and therefore can research policies offered by multiple companies. After finding several policies that fit your needs, the broker will present them to you and, after you make your choice, help you purchase the policy.

Additionally, investigate how a company determines risk. An insurance company determines the policy premium and other rates associated with a policy it writes based on the operations risk a company poses, and every company has different factors it considers in its risk assessment. Risk is based on the number of years the company has been in operation, number of employees, and past claims, the SBA explains. A company that has a significantly higher risk assessment than others may be factoring in something that other companies overlook, which may mean higher premiums and deductibles.

You might also consider investigating a company’s ranking. A.M. Best and Standard and Poor rank insurance companies using letter grades, as based on their financial strength, meaning their ability to meet their financial commitments. For company’s rankings, the higher the letter grade, the more stable and reliable the company.

Finally, investigate whether the company has had any complaints filed against it. The National Association of Insurance Commissioners allows the general public to search for complaints filed against an insurance company on its website. While one or two complaints may not raise cause for concern, a large number of complaints may indicate that the company does not have the best business practices.

Choosing Your Company

Choosing an insurance company for your small business is a personal decision, and one that is dependent upon the type of coverage you seek and your business’ needs. Carefully compare several companies’ policies prior to choosing one.


Benefits of the Three Sides of Project Trade Off Triangle

- - Business

Benefits of the Three Sides of Project Trade Off Triangle

Project management is a practice that has been around for hundreds of years, and while methods and styles have evolved over time, the core elements remain the same: quality, scope and time. This trio of forces drives and determines the success or failure of any project, regardless of experience or industry and come together to form what is known as a tradeoff triangle; read on to find out more and why this principal is being taught in organizational leadership degree programs.


Distinguishing a project from day to day business practices is simple – a project has a specific objective, with a budget and timeline. While the complexity of the project may vary, the goal is the same; to gain control over the following variables:

  • Cost
  • People
  • Quality
  • Risk
  • Scope
  • Time

Control and results are achieved through the use of the tradeoff triangle consisting of three sides indicative of the three primary factors of project:

  • Cost – the budget and resources allocated to the project.
  • Scope – the specifics or features of the project.
  • Time – start and completion dates, including project makers or milestones as defined by the project timeline.


At the heart of every project trade off triangle is quality, and as changes occur on any of its three sides, quality may be affected as a result. Successful project management requires a watchful eye on all aspects of the triangle, to ensure balance and harmony. The benefit of the three sides of this triangle is a type of synergy and heightened awareness of each component as the project moves forward and is ultimately resolved, allowing the project manager to make informed choices as inevitable trade-offs occur.


Once the parameters of the project triangle are established, changes made to any of its sides will require an adjustment on the others in order to maintain balance. For example, a change made to the time of the project may result in an increase in cost. Conversely, a change in the cost as in a reduction of the budget, may affect the scope of the project.

In most projects at least one side of the tradeoff triangle is fixed or static, preventing it from changing. Whether the fixed side is the budget, time frame or deliverables, it’s important to know so the triangle can be optimized accordingly.

  • Optimizing to meet budget – If there is no flexibility on the budget, the scope of the project may need to be scaled back, or more cost effective resources used in place of the existing ones.
  • Optimizing to meet schedule – A fixed schedule may affect the scope of the project as elements may need to be eliminated or scaled back. In an effort to achieve the desired completion date, the cost of the project may be compromised as additional resources are required.
  • Optimizing to meet the scope – Both the budget and schedule can have an adverse effect on the scope of any project. An increase in either may result in better quality, while a decrease may have a negative impact.

“A project trade off triangle is an effective tool, used to track and keep control over the variables in any project. The benefits are clear: the project manager is able to prioritize and implement any changes required during the scope of the project, while maintaining the desired level of quality, resulting in a successful project completion. Next Gear Solutions is one such tool that can help you achieve these objectives.


Make Working at Home More Fun and Be More Productive

- - Business

Working at home is a real challenge for some people. As much as you might like the idea of doing this, it could be that you miss the contact with colleagues and everything else that goes with working in an office or factory.

In this case, it can be a big help to find some simple ways of making working at home more fun. As these ideas will make you enjoy your days more they will also make you more productive at the same time.

Listen to Music

Listening to music is a fantastic way of adding some extra pleasure into your working day. The type of music you choose to listen to will depend upon the work you do as well as your tastes. It might be that you need to speak to customers on the phone, so if you usually listen to loud rock music you might need to look for something a bit tamer. Many workers prefer classical music or find other instrumental tracks the best for adding some melodies to their work. It is simply a question of trying a few styles and seeing which ones appear to help you boost you productivity. If you don’t get a great sound from your current PC then you might need to buy some new computer speakers from the likes of Gumtree before you put some tunes on. Listening to poor quality audio isn’t going to be of much benefit to you and might put you off the idea before you even get started.

Inspire Your Creativity

What would work best in terms of inspiring you to be more creative? One good suggestion is to buy some pieces of art to add to the room you work in. These can help stimulate your creativity and make the room more interesting to look at as well. The same pieces won’t work in the same way for everyone, so you need to find artwork that inspires you. It is important to change your focus away from the screen during the day and this is an interesting way of giving you a reason to do this. Another idea is to fill the wall in front of you with inspiring quotes you have found online or notes you have written yourself.

Get Some Company

Maybe you simply won’t be able to adjust to the idea of working alone at home. This might seem like an impossible problem to solve but there are a couple of options you could try. The first one is to speak to other people who work from home near you. Maybe you could find a way of working together from time to time. This can add a new breath of fresh air to your working environment and make you enjoy it again. You might even cut down on your monthly bills if you find a way of working together in either your house or theirs. Alternatively, you could consider getting a pet. This might sound like it wouldn’t be a big help but having a dog or cat about the place could make you feel happier and therefore more productive. Even looking at pictures of cute pets has been found to have a positive effect on workers.


How to Find a Good Hot Melt Adhesive Manufacturer

- - Business

Melt Adhesive How to Find a Good Hot Melt Adhesive Manufacturer

If you are looking for a hot melt adhesive manufacturer, you first need to build a greater understanding of what you are actually looking for. You need to find a company that has an excellent reputation in terms of creative glue and other adhesive, including hot melt adhesives. One of the ways to tell whether they are good at what they do is by checking whether they work with a wide range of different industries. This is because although hot melt adhesive is a specialized product, it is used across a variety of manufacturing processes.

The company you work with should always be committed to researching their products. They should create something that is proven and accepted and then work hard on making their supplies consistent at all times. This means they should have a range of specialist personnel on board that has the right experience and knowledge. This is because, as stated, hot glue is a specialized product and different industries may have different demands in terms of what they are actually looking for.

Finally, a good company should not encounter production difficulties or, if they do, you should not be aware of these. Various poor companies have found that they have issues around the bounding properties of their glue, which you need to avoid. After all, if the glue doesn’t bond, the end product won’t stick together either.

To find a hot melt adhesive manufacturer, see here. This company ticks all the boxes. They are experienced, dedicated to the quality and innovation of their products and don’t experience any known production problems. Additionally, there will always be someone there to discuss your exact requirements with you, so that you get the exact product you need for your own manufacturing processes.

A Look At Scaffolding Safety Training

- - Safety

It stands to reason that if you are to install and use something like scaffolding then this is something that you need to take seriously. Scaffolding is something that involves working at height as well as possible other hazards, so this is something that you don’t want to mess around with.

Whether you’re just using scaffolding or you are someone that is going to install scaffolding you need to make sure that you can use it properly and ensure that the others around you can too. The good news is that you can attend scaffolding safety training courses which cover everything that is needed surrounding the installation and usage of scaffolding.

Scaffolding Safety Training

Of course when you look into safety training like this there will be different courses that you can sign up for. What you need to do is look at the different courses that are available and find one that suits you.

If you are someone that runs a scaffolding business then you need to make sure that your employees are well trained on the usage of scaffolding. Ideally you want to find a training course that covers how to use scaffolding, how to install it, how to prevent falls and how to work to OSHA regulations.

You will more than likely find scaffolding training courses that can come regularly to train your works and ensure that everyone is up to date with safety rules and regulations. That way you have peace of mind that you have done everything you can to keep the people that work for you safe. You can also boost to your customers that you offer a fully comprehensive safety service which can help to generate sales. Sound good? Click here for more information on training and how you and your business could benefit.

Uber Prevents DUIs Across the Country

- - Legal

The fight against DUIs has become so serious in this country, which the creators of mobile apps have begun to get on with the cause. The new Uber App is one that has been used at the Dallas Cowboys football organization in order to prevent intoxicated players from getting behind the wheel. The app actually acts as an automatic dialer, which calls the local cab company to pick the intoxicated player up at their current location. This app has been hailed as not only a great effort for the league, but also a possible solution for areas that have a high DUI rate. Of course, it is not going to be easy to encourage some people out there to willingly put an app on their phone that measures whether or not they are intoxicated.

In the cases where someone chooses to drink and drive, there will likely be the need for DUI and Criminal defense attorneys at some point in the future. These sorts of offenses can lead to major jail time, criminal convictions, fines and an inability to find work in the future. Having a DUI makes someone appear as if they are irresponsible and reckless to many around them, particularly employers. With a good enough attorney it is possible to take on the DA and attempt to have the charges lessened or dropped altogether, but with continued reckless behavior involving alcohol, there is a good chance that someone could end up in prison or worse.

With the use of apps like Uber becoming more main-stream, it could be possible to make the roads safer from drunk drivers. Of course those who have a drinking problem would need to ‘opt-in’ in order for these programs to be effective. The courts could begin requiring these apps be used when someone is convicted of a DUI, much like a Breathalyzer. If everyone began to value their life as much as the NFL values the lives of their players, there is a very good chance that the road would be a safer place to be.

The number of DUIs currently occurring in the United States in 2012 alone totaled more than 10,000 people. With the number of fatalities this high, the number of DUIs occurring has gone from being a problem to being an epidemic. If the use of Uber can begin to prevent deaths on the road, it should be marketed to the public en masse. Parents should begin requiring their children to use it if they want to continue receiving financial assistance from them, the courts should begin using it in DUI cases and it should be marketed on a national basis. With apps like Uber in place, there is a good chance that not only DUIs, but the culture around drinking itself will be transformed into something more responsible.

How to use coil nails and coil nail guns

- - Safety

Coil nails are nails that are used in a coil nail gun. The coil is nothing more than the cartridge that is used with the nail gun. Nail guns have an area of the gun where the cartridge is placed to hold the coil nails. Most coil nails contain 300 to 400 nails that are held together by wire. The nails come in a variety of shapes and for various construction needs and the gun used can be gas or pneumatic.

Another type of nail gun holds a stick cartridge that only holds 20 to 40 nails that are not in a coil but are in stick shape. The nails used in this type of nail gun also come in various sizes and are used for many different jobs.

All nail guns have a cartridge unit for holding coil nails so instead of hammering one nail at a time; you can easily use the gun to kind of shoot the nail in place under pressure. By using coil nails, carpenters and other construction workers can perform their job faster and often more efficiently with less injuries. Continue Reading

The Three Areas That Self-Build Developers Forget About

- - Innovation

Building%20Site%2008 The Three Areas That Self Build Developers Forget About

Completing a self-build project is probably one of the most satisfying projects you can complete in your life, particularly if you don’t even work within the construction industry. Economic reasons mean that more and more people are turning down this route, although a lack of experience means that many neglect to think about some of the key costs involved.

Most of the time it’s easy to accumulate the cost of materials, with a lot of builder’s merchants providing this information on hand. However, when it comes to other areas it’s much more difficult to find details, and this subsequently becomes forgotten about when it comes to financial planning. As such, we’ll now highlight the three areas of a self-build project that you simply must remember in a bid to keep your costs in order.


Even if you are constructing a bungalow, scaffolding will be required. A lot of people just regard it as a few pipes being joined together, but in reality it’s a highly specialised field that will require you to invest in a third party service. Click here for more information on renting scaffolding, and how much damage it is going to do to your budget.


While most people will appreciate that they will need machinery on-site, a lot of the time it’s underestimated. There’s far more to do than digging the foundations, you’ll probably need some form of machinery on site every single day of the project. Whether it’s the crane to hoist materials to roof-level, or just a cement mixer – make sure everything is covered before giving the go-ahead.


Last, but certainly not least, is the dreaded paperwork. Planning applications and building regulation approval is often overlooked, but can make considerable differences to a project’s budget. Make sure you check with your local authority before continuing, as you may have to adjust your project in accordance with the increased costs.

Virtual Offices in Polanco

- - Business

virtual office3 300x154 Virtual Offices in Polanco

Many companies use a virtual office to settle in other regions. It is an excellent way to project presence as he prepares to establish its physical facilities in the region.

If you are looking for virtual offices in Polanco then you’ll be glad to know that you have a few options open to you. This is great news because it means that whatever you are looking for from a virtual office service there will be something to suit you and your needs perfectly. When it comes to virtual offices there is usually a whole range of packages and services for you to choose from so you need to make sure that you look into what is perfect for you and sign up to whatever is the best match. Click here for more information. So what should you be looking for from your virtual office?


Although you might not want to go for the cheapest virtual offices in Polanco that doesn’t mean that you want to pay more than you need to. The best thing you can do is spend a little time researching your options to ensure that you know what your paying is giving you the best possible value for money.


Have a think about what you need help with when it comes to your admin and find a virtual office service that caters to this. It could be that you just need someone to take messages for you when you are out of the office or it could be that you need a service that offers more or less full time virtual office management. The good news is that whatever you are looking for there will be services to suit you. Just make sure you shop around and look at what services they offer to see what suits you.

Many entrepreneurs are wishing to escape the feeling of being chained to the desk. Unfortunately, this feeling is replicated when you install your new desktop but feel unable to be away for fear of losing any important call. With a virtual office, you can scroll and even take some time, with the assurance that no one will notice. Besides being expensive, time consuming operate an office. It is necessary to manage the support staff, equip and maintain the office, and this is just one small part of a long list of activities. Using a virtual office allows others take care of these tasks, allowing focus on the activities that really are important to you.

Don’t worry if you aren’t sure exactly what you need, companies that offer these services will usually be used to deal with new comers and can talk to you about recommending services to suit your needs.

How to Create a Comfortable and Productive Atmosphere

- - Business

Creating a positive atmosphere in the workplace can be difficult but it is also important, as this can enable employees to work to the best of their abilities and maximise their productivity. This will greatly benefit your company, but as well as this when employees are happy, motivated and focused it also makes it an enjoyable place to work too. So how do you go about creating this atmosphere on the work floor to ensure everyone feels motivated, energised and ready for a productive day?

images 2 How to Create a Comfortable and Productive Atmosphere


The best way to do this is to address layout, light and temperature, as these are all key factors in establishing atmosphere in any space. It is a good idea to opt for open planned spaces instead of having cubicles separating everyone, as this instils an idea of team work and encourages employee social interaction, which is integral to productivity and motivation. As well as opening up the office it is also a smart move to allow for plenty of natural light to come through, as this helps to energise people and can improve performance in the workplace, whereas lack of natural light can have an adverse effect. An often overlooked part of developing a positive working atmosphere is room temperature, and this needs to be addressed otherwise it can be very distracting and create difficult working conditions.


The Importance of Air Conditioning in the Workplace


Rooms that are too hot can become stuffy and uncomfortable, and this makes it difficult to concentrate and will have a direct impact on your employees. This is why it is so important to have an air conditioning system in place, as this will keep the area cool and comfortable at all times. Suppliers like Pure Air Conditioning, amongst others, also have a 24/7 breakdown service. So if you encounter any problems or if the filter needs cleaning then your team will not have to suffer thanks to a rapid response to any breakdown. This is particularly important during the summer months, so make sure you have a high quality system in place before the temperature starts to rise and makes being inside uncomfortable for your employees.


Following these steps will have a huge impact on how your office space both looks and feels, and you will be amazed at the difference that this will have on how employees react to one another and their individual performances.