#public liability insurance cost

[arcinsurancebrokers]

The Importance of Public Liability

Public liability Sydney protects individuals and businesses from financial losses resulting from property damage or personal injury. This type of insurance covers a wide range of incidents, including slips and falls.

There is a huge range of businesses that require public liability, from sole trader cleaners to large national companies. Many are required by government contracts to have cover. To know more about Public Liability, visit the Arc Insurance Brokers website or call 0468848642.

Many tradesmen work on site at client locations, which puts them at risk of property damage and personal injury. While not mandatory in Australia, it is wise for tradies to take out public liability insurance to cover their business against the risks of an incident.

It covers any damages your business is liable for caused by your business activities, such as third-party property damage, personal injury and accidental damage to goods. Without public liability, a single incident could bankrupt your business.

The cost of public and product liability will vary between insurers. It will also depend on your occupation and how much of the risk is carried by your business. For example, electricians will pay higher premiums than plumbers due to the more hazardous nature of their jobs. Other factors that will affect the price include your turnover and the number of people in your business. Some insurers may measure these by revenue, while others use staff numbers.

Whether you operate as an independent contractor or work for a company, public liability and workers compensation are important requirements to meet. Failure to have the required insurance policies can result in hefty fines from the NSW government and a loss of reputation.

Subcontractors are usually specialists hired by a principal contractor to carry out a particular task or function on a jobsite. While this is a common practice in many industries, it’s vital that businesses ensure their subcontractors have the right insurance coverage in place before accepting their services.

If damage or injury is caused by a subcontractor, the injured person or business will likely sue everyone involved. This includes the principle contractor, the head contractor and any other subcontractors or employees. This is why it’s vital for subcontractors to have their own public liability policy. They should also request a copy of the policy from any principal contractors they work with to ensure their policy is current.

Australian law deems importers as manufacturers of the goods they bring in, meaning if these imported goods cause injury or damage to someone then you may be held liable. This can be a substantial claim as insurance policies typically cover compensation payable to the injured party, and also your defence costs.

Whether you’re a graphic designer in Burwood or a hair and beauty salon in Thredbo public liability is something every NSW small business should consider. As a professional it’s likely you interact with your clients in many different ways from visiting their workplace to meeting them at their home, work or at third party locations.

All of these scenarios are a potential risk for your business as it’s not always possible to be with your clients and control their actions at all times. That’s why it’s important to be covered with a comprehensive Public Liability policy.

As a small business owner in NSW, you have plenty on your plate. There are marketing campaigns to manage, staff salaries to pay and Zoom calls to make. But don’t underestimate the importance of securing public liability insurance.

Just one claim could be financially crippling and destroy your reputation. That’s why public liability is a must for any business that interacts with customers, clients or the general public.

Whether it’s a child injures themselves at your children’s play centre, or your employee damages customer property at their workplace, public liability covers compensation claims and reasonable legal fees incurred to defend the claim. It also includes a range of other expenses, like cleaning costs and repairs to third party property. This type of cover is not mandatory, but many organisations you work with may ask that you carry a certain level of public liability cover. If you’re unsure about what cover you need, talk to a licenced insurance broker or business adviser. To know more about Public Liability, visit the Arc Insurance Brokers website or call 0468848642.

[publicliability]

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[ashburnhaminsurance]

Cutting Costs In Your Trade Business The Right Way

Times are tough and with costs constantly rising, you certainly wouldn’t be alone in searching for ways to cut down your outgoings. If you work in a trade, everything from licencing and legal fees to construction materials and tool costs can add up and leave you out of pocket if not managed properly.  While it can be tempting to reach for cheaper materials or to drop outgoing costs like insurance…

[transformationsproject]

This Week's Legislation Update

Prefiles have begun, and so once more trans rights are under attack in the United States. Please visit our website linked below to learn about your state and contact your reps. Here's a thread of last week’s updates:

Bathroom bills deny access to public restrooms by gender or trans identity. 

They increase danger without making anyone any safer and have even prompted attacks on cis and trans people alike. Many national health and anti-sexual assault organizations oppose these bills.

Ohio SB104 passed the Senate last week and is currently headed to the Governor to be signed. Upon signing, the bill would force all trans people, including students, staff, faculty, or visitors, to use the incorrect bathroom. It also would ban all non-gendered facilities and co-ed housing for schools within the state.

Texas has prefiled several bathroom bills last week, including HB1014, HB1015, HB1016, SB240, and HB239. Broadly, these would apply to school bathroom facilities; however, SB240 and HB239 target all public and private bathrooms, including for those who are incarcerated. 

Healthcare bills go against professional and scientific consensus that gender-affirming care saves lives. Denying access will cause harm.

Providers are faced with criminal charges, parents are threatened with child abuse charges, and intersex children are typically exempted.

Texas prefiled SB116 and SB115 last week. These bills target doctors who provide gender affirming care by extending the statutes of limitations for medical liability. They would allow patients to sue their doctors at any time before their 30th birthday for transition-related care they received as a minor, drastically increasing the risks for doctors who provide care. It could also be used to drive any doctors who have provided care into bankruptcy.

Another prefiled bill from Texas is HB778, a bill that targets insurance plans. The primary aim is to massively increase the cost for covering transition related care so as to either price trans people out of any care or incentivise insurance companies to cease coverage entirely. It does this by requiring any plan that covers any transition care to also cover all possible costs associated with “detransition”, despite not requiring all transition related costs to be covered.

Drag Bans restrict access for folks who are gender non-conforming in any way. 

They loosely define "drag" as any public performance with an “opposite gender expression,” as sexual in nature, and inappropriate for children. 

This also pushes trans individuals out of public spaces.

Texas has prefiled HB938 and HB1075, both of which are out and out drag bans that explicitly call drag performances “lascivious” and allow anybody who promotes or facilitates a drag performance to be sued if a minor was in attendance. This is a massive violation of free speech and a clear attempt to censor queer existence in public and private spaces. 

Educational Censorship and Student Suppression bills force schools to misgender or deadname students, ban instruction on sexual orientation and gender identity, and make schools alert parents if they suspect a child is trans.

They remove life-saving affirmation and support for trans youth. 

Texas prefiled several bills prohibiting or restricting education on gender identity and sexuality in schools. These include HB976, HB344, SB86, and SB87. Several of these bills would also potentially require schools to out students to their parents and require schools to give notice if a child has used any mental health services. Both have potentially catastrophic consequences for the health and safety of students.

Texas has additionally prefiled SJR12, a proposed constitutional amendment that would enshrine a parent’s right to fully control their children’s health and education, language that has been used many times to target queer minors and strip students of any rights to make their own choices.

Another Texas prefile, SB87, requires parental permission before any education on the subject of human sexuality in schools, regardless of the age or grade of the student.

Trans Erasure bills create legal definitions of terms like “sex” designed to exclude or erase trans identity and insert them into various laws. This can have many different effects, depending on what laws are affected.

They can force a male or female designation based on their sex assigned at birth.

Some target anti-discrimination statutes, legally empowering trans discrimination

Texas has prefiled three explicit Trans Erasure bills, HB229, SB84, and HB843, all of which seek to nullify trans and intersex existence in the eyes of the law, with incredibly far reaching consequences. They specifically claim one’s sex is defined by a person's ability to create ova or sperm. 

Texas has also prefiled three bills restricting the ability for people to amend their birth certificate. These bills, HB477, HB973, HB980, are an attempt to enshrine into law the extralegal actions on the part of the Texas state government to ban trans people from changing their birth certificate.

Censorship Bills describe any legislation that potentially targets Queer and Trans media/material for removal. 

They typically do this by using vague and broad definitions of "Obscene" or "Harmful to Minors" and then banning such content from being accessible to minors, which often either removes the material entirely or requires age verification methods in order to view. 

This includes online censorship bills, library book bans, and other such legislation.

Texas has prefiled SB242 and SB88, both of which allow for criminal prosecution for selling or giving a minor “harmful” material even when done for educational or governmental purposes. This charge would be considered a felony and would apply to things like sex ed in schools or queer education.

Most sports bills force schools to designate teams by their sex assigned at birth. 

They are often one-sided and ban trans girls from playing on teams consistent with their gender identity.

Some egregious bills even force invasive genital examinations on student athletes.

Texas HB370 was prefiled last week. This bill would require any sports event that applies for public funding to ban all trans women from participating as athletes.

Another Texas prefile, HB1123, requires any student athlete suspected of being trans to submit to genetic testing before being allowed to participate. 

In other bills that either fit multiple categories or stand on their own, we have:

Texas HB1106, prefiled last week, defines active misgendering and homophobia on the part of a parent as not being considered child abuse. It has no purpose other than protecting the right of parents to abuse and harm their children. 

Texas prefiles SB240 and HB437 target incarcerated trans minors, forcing them to be placed in detention facilities based solely on the assigned sex at birth, not their identity nor safety.

Texas prefile SB126 targets the ability of schools to survey their students in regards to their gender and sexuality, providing civil and potential criminal consequences. This would blind schools and governments to the queer student population, allowing them to be ignored and massively impacting services designed for queer students

It's not too late to stop these and other hateful anti-trans bills from passing into law. YOU can go to http://transformationsproject.org/ to learn more and contact your representatives!

[justinspoliticalcorner]

Igor Bobic at HuffPost:

WASHINGTON ― Last month, GOP presidential nominee Donald Trump surprised almost everybody in the nation’s capital by floating a plan to require insurance companies to pay for the costs of in vitro fertilization for women who need it. On Tuesday, Senate Republicans blocked a bill that would do just that. It’s the second time in recent months that the GOP has filibustered the Right to IVF Act, Democratic legislation that, in addition to ensuring insurance coverage for such treatments, would also enshrine into federal law a right for individuals to receive IVF treatment as well as for doctors to provide it.

The vote fell largely along party lines, 51 to 44, short of the 60 votes the bill would’ve needed to advance. “Republicans want people to think they support IVF because they know how unpopular that position is. They want to keep their true agenda hidden from the public,” Senate Majority Leader Chuck Schumer (D-N.Y.) warned during a press conference on the steps of the Capitol. He was flanked by his Democratic colleagues, who held up large photos of families who have used IVF. Democrats initially forced a vote on the bill in June after a ruling earlier this year by the Alabama Supreme Court that declared that frozen embryos can be considered children. IVF providers in the state responded by ceasing to offer services for fear of being held legally liable if embryos were destroyed. The GOP state legislature later passed a bill extending liability protections for IVF providers.

Republicans have insisted since then that they support IVF ― even if some in their evangelical base are opposed to the treatment ― as they seek to appeal to women voters ahead of November’s elections. “We are going to be, under the Trump administration, we are going to be paying for that treatment,” Trump said in August when asked about IVF. “We’re going to be mandating that the insurance company pay.” Republicans have long opposed insurance mandates (spending years railing against the Affordable Care Act’s individual mandate, for example), and few in Congress expressed an interest in the former president’s suggestion. Sen. Lindsey Graham (R-S.C.), a Trump ally, said flat out he wouldn’t support it, while others voiced concerns about the cost of such a proposal.

Republicans, many of whom claim to support IVF protections, voted to block the Right To IVF bill from advancing on the Senate floor.

The only two GOPers who did vote in favor were Susan Collins and Lisa Murkowski.

This vote is why Republicans cannot be trusted to deal with IVF in a serious manner.

See Also:

The Guardian: Senate Republicans block bill to ensure IVF access for second time

Daily Kos: After all that talk, Senate Republicans block bill to protect IVF

[twopoppies]

I found this to be a very interesting article. https://medium.com/@cdl.tuebingen/covid-19-is-killing-performers-a81d1cf209a2

Something this fandom should seriously think about.

Hm. Interesting, yes. I don’t have the energy to dig into it and fact check, so others may want to if they read this as it comes across as slightly exaggerated in the way it’s written. But I’m headed to a concert in a couple of weeks and I know I’ll be wearing a mask (as much as I dislike doing it).

[…]

Now, performers are less frequently dying from acute infections, but more are developing Long COVID, or experiencing adverse health events as a result of COVID reinfections, leading to canceled events, retiring from performing due to new-onset chronic illnesses, and even sudden deaths.

I know. I maintain the google doc that color codes COVID-19’s devastating effects on performers. Yellow for canceled events. Orange for severe or new-onset chronic illnesses. Red for deaths.

You might be asking why this narrative hasn’t coalesced in the news. One answer is that, for a variety of reasons, including stigma, insurance not covering canceled events due to COVID-19, and a failure of public health authorities to correlate COVID-19 infections with new-onset chronic illness and sudden deaths, the illnesses and deaths are not always linked to COVID-19 infections. Some performers have confirmed the link between COVID and their illness, like actress Alyssa Milano, athletes Avery Henry and Mark Bavaro, and Hailey Bieber, who had a “mini stroke” following a COVID-19 infection. Others have canceled events due to “illness” or a “mystery virus,” or have developed new-onset chronic illnesses.

A-list musicians are becoming seriously ill: Lorde has a debilitating, new-onset autoimmune condition, Billie Eilish was “suffering terribly” from an illness while touring, and Harry Styles required supplemental oxygen while performing. And an increasing number of performers are simply dying. Many passed away in the period before vaccines, like Broadway actor Nick Cordero, but as we are discovering that vaccines do not prevent the cumulative damage from COVID-19 infections, now young and relatively healthy people, like WWE wrestler Bray Wyatt, are dying following complications from the effects of COVID.

You may also be asking yourself, if the emergency is so bad, then why is this allowed to continue? Why do venues not create safer conditions for performers, especially because they are so profitable? And why are performers themselves not sounding the alarm?

[…] many venues do not want to enforce mask requirements. Other measures which might keep performers safe, like air purification/filtration with HEPA filters, cost money. Not a lot of money, but this is capitalism, and if a corner can be cut, particularly if the consequences of cutting that corner are not immediately evident and will not create financial liabilities, it most likely will be cut. […]

The second question: “Why aren’t performers advocating for better COVID-19 mitigations?” is more complex. The short answer is that a growing number are. Some public figures, like author and TV creator Neil Gaiman, have requested voluntary masking at his events because the venues themselves will not enforce mask requirements. Let that sink in. Neil Gaiman doesn’t even have the power to ensure basic mitigations for his tour.

Other performers have had more success with ensuring COVID-19 mitigations. Singer and songwriter The Anchoress requires masked rehearsals, testing and air purification for performances. Actress Morgan Fairchild requested masked rehearsals and testing for a play. The band Belly has requested that fans mask at their performances. But there are also forces pushing back against performers advocating for themselves. Some are explicit: insurance in many instances will not pay for canceled concerts due to COVID-19. And performing takes place in the context of hierarchical industries where it’s often important to not be perceived as “difficult,” so few performers have the power to advocate for their safety. But probably the biggest reason is also the most insidious: the public health messaging has so downplayed the risks of COVID-19 reinfections that even A-list performers who could advocate for themselves are not aware of the danger.

Full article here

[immensetruckingsolutionsltd]

Understanding Fleets: Key Organizations in the Trucking Industry

The trucking industry is a vital component of the global economy, responsible for moving goods efficiently across vast distances. Within this intricate network, various organizations play essential roles in shaping operations, regulations, and the future of trucking. Understanding these key organizations is crucial for industry stakeholders, from fleet managers to logistics providers.

For-hire carriers and Private Fleets

For-hire carriers are companies that transport goods for others in exchange for compensation.

Common Carriers: These carriers offer services to the general public and are obligated to transport goods as long as they have the capacity and are lawful.

Contract Carriers: These carriers provide services based on specific contracts with shippers, allowing for tailored transportation solutions that meet unique customer needs.

Private Fleets, on the other hand, are operated by companies to transport their products. Firms like Walmart and Coca-Cola manage private fleets to control logistics and distribution effectively, ensuring timely deliveries and cost efficiency. 2. American Trucking Associations (ATA)

The American Trucking Association is the largest national trade organization representing the trucking industry. Founded in 1933, the ATA advocates for the interests of trucking companies, working on issues such as safety regulations, infrastructure funding, and tax policies. They provide valuable resources, including industry research, educational programs, and networking opportunities, helping members stay informed about best practices and legislative changes. 3. Trucking Industry Defense Association (TIDA)

The Trucking Industry Defense Association focuses on legal and regulatory issues affecting the trucking sector. TIDA works to protect the interests of trucking companies in legal matters, providing resources, education, and representation to help navigate complex legal challenges. Their efforts ensure the latest legal developments and the necessary support to address potential liabilities. 4. National Association of Small Trucking Companies (NASTC)

The National Association of Small Trucking Companies represents the interests of smaller trucking businesses. NASTC offers resources, advocacy, and networking opportunities tailored to the unique challenges faced by small operators. The association provides members access to discounted services, insurance programs, and training opportunities, helping to level the playing field with larger competitors. 5. Fleet Management Associations

Numerous associations focus on fleet management, promoting best practices, and providing resources to help companies improve their operations. These organizations offer training, certifications, and networking events aimed at enhancing fleet efficiency and safety. Key associations include:

The Association for Fleet Management Professionals (NAFA): NAFA provides resources and education for fleet managers, focusing on innovative practices, sustainability, and regulatory compliance.

The National Private Truck Council (NPTC): NPTC represents companies that operate private fleets, offering members access to industry research, benchmarking data, and educational resources specific to private fleet operations. 6. Regulatory Bodies

Various regulatory bodies oversee the trucking industry to ensure safety and compliance. Key organizations include:

Federal Motor Carrier Safety Administration (FMCSA): The FMCSA regulates the trucking industry in the United States, establishing safety standards, monitoring compliance, and enforcing regulations to protect public safety.

Department of Transportation (DOT): The DOT oversees transportation infrastructure and policies, ensuring that roads and highways are for safe and efficient trucking operations.

Conclusion

Understanding the key organizations in the trucking industry is essential for navigating the complexities of fleet management and logistics. From advocacy groups like the American Trucking Associations to regulatory bodies like the FMCSA, these organizations play vital roles in shaping the industry landscape. By engaging with these entities, trucking companies can enhance their operations, stay informed about industry trends, and advocate for their interests in a rapidly changing environment. As the trucking industry continues to evolve, collaboration and support from these organizations will be critical to ensuring efficient and sustainable transportation solutions.

[axetreeservice]

Tree Removal in Harkaway: A Comprehensive Guide to Safe and Efficient Services

Harkaway, a picturesque suburb nestled in the southeastern region of Melbourne, is known for its lush greenery and expansive landscapes. As beautiful as the trees and natural surroundings may be, there are times when tree removal becomes necessary for safety, property maintenance, or landscape aesthetics. Whether you are a homeowner dealing with a potentially hazardous tree or simply want to enhance your garden’s beauty, understanding the tree removal process is essential. In this guide, we will explore everything you need to know about tree removal Harkaway, including when and why it's necessary, how to choose the right tree removal service, and the steps involved in the process.

Why Tree Removal Is Necessary

Trees provide a range of benefits, from improving air quality to offering shade and enhancing the beauty of your property. However, there are situations where tree removal becomes unavoidable. Below are some common reasons why tree removal in Harkaway may be necessary:

Safety Concerns Trees that are damaged, decaying, or leaning dangerously can pose a significant risk to people and property. A weakened tree can fall during a storm or high winds, causing serious injury or damage to homes, vehicles, or power lines. Removing hazardous trees before they become a problem is crucial for ensuring the safety of your family and neighbors.

Disease or Decay Trees affected by disease or pest infestations can become structurally compromised, making them more susceptible to falling. In some cases, the disease can spread to nearby trees, threatening the health of your entire landscape. If a tree is beyond saving, removal may be the only option to prevent further damage.

Property Damage Prevention Overgrown or poorly placed trees can damage buildings, fences, or underground utilities. The roots of large trees can crack foundations or block drainage systems, leading to costly repairs. In such cases, tree removal helps to protect your property from damage and reduce future maintenance costs.

Improving Aesthetics Sometimes, tree removal is needed to improve the overall look of your yard or garden. Dead, dying, or poorly placed trees can detract from the beauty of your landscape. Removing these trees opens up space for new plantings or allows for a more attractive garden layout.

Construction and Renovation Projects If you’re planning a home renovation or building project, tree removal may be required to clear the area for construction. Ensuring that trees are removed safely and efficiently is essential to avoiding delays and potential damage to your property during the project.

Choosing the Right Tree Removal Service in Harkaway

Hiring a professional tree removal service in Harkaway is the best way to ensure that the job is done safely and efficiently. However, with many options available, it’s essential to choose a service that is experienced, qualified, and reliable. Here are some key factors to consider when selecting a tree removal service:

Experience and Expertise Look for a tree removal company with a solid track record of experience in handling a wide variety of tree species and situations. Trees in Harkaway come in all shapes and sizes, and each may require a different approach to removal. A professional service will have the necessary skills and knowledge to assess the tree and determine the safest way to remove it.

Licensing and Insurance Tree removal can be a hazardous task, so it’s crucial to hire a company that is fully licensed and insured. This protects you from liability in case of accidents or damage during the removal process. Always verify that the service you choose carries adequate insurance coverage, including worker’s compensation and public liability insurance.

Safety Practices Safety should be a top priority for any tree removal service. Ask about the company’s safety protocols, including the use of protective equipment and trained staff. A professional service will follow industry-standard safety practices to minimize the risk of accidents and ensure the safe removal of the tree.

Equipment and Technology Tree removal requires specialized equipment, such as chainsaws, cranes, and stump grinders. Ensure that the company you choose has access to the necessary tools and machinery to handle the job efficiently. Modern equipment not only speeds up the process but also reduces the risk of damage to your property.

Customer Reviews and Reputation Check online reviews and testimonials from previous customers to get an idea of the company’s reputation. A tree removal service with positive reviews and satisfied clients is more likely to deliver high-quality work. Additionally, ask for references from the company to verify their past performance.

Environmental Considerations A responsible tree removal service will take environmental factors into account. Ask about their policies for tree disposal and recycling. Many companies will chip and mulch removed trees for use in landscaping, ensuring that the tree is repurposed in an eco-friendly manner.

The Tree Removal Process: What to Expect

The tree removal process involves several steps, each designed to ensure that the tree is safely and efficiently removed. Here’s a breakdown of what you can expect during a typical tree removal in Harkaway:

Initial Assessment Before any work begins, a professional arborist will visit your property to assess the tree and its surroundings. They will determine the tree’s condition, size, and the best approach for removal. This may include checking for hazards such as power lines, nearby buildings, or other obstacles.

Tree Removal Plan Once the assessment is complete, the arborist will develop a removal plan tailored to the specific tree. This plan will include details on how the tree will be cut down, what equipment will be used, and how the surrounding area will be protected during the removal process.

Cutting Down the Tree The tree will be carefully cut down in sections, starting from the top and working downwards. Depending on the tree’s size and location, the team may use a crane to lift and lower large branches to the ground. This method ensures that the tree is removed safely without causing damage to nearby structures.

Disposal and Cleanup Once the tree has been removed, the remaining debris, including branches, leaves, and wood, will be cleared from your property. Many tree removal services will offer options for recycling the wood, such as chipping it into mulch or cutting it into firewood.

Stump Removal (Optional) After the tree has been removed, you may choose to have the stump removed as well. Stump removal involves grinding down the stump to below ground level, leaving your yard clear and ready for landscaping or replanting.

Conclusion

Tree removal Harkaway is a necessary service that ensures the safety and aesthetic appeal of your property. By hiring a professional tree removal service, you can rest assured that the job will be completed safely, efficiently, and with minimal disruption to your surroundings. Whether you’re dealing with a hazardous tree or simply looking to enhance your landscape, choosing the right service is key to a successful outcome. Make sure to consider the factors outlined above when selecting a tree removal service, and enjoy the peace of mind that comes with knowing your property is in good hands.

[renovations24]

How to Find Expert Bathroom Renovators in Eltham

Renovating a bathroom can be a transformative experience, enhancing both the functionality and aesthetic of one of the most important spaces in your home. In Eltham, a suburb known for its picturesque settings and charming homes, finding the right expert bathroom renovator is crucial to ensuring a successful renovation project. This guide will walk you through the steps to find top-notch bathroom renovators in Eltham, offering practical tips and insights to make your search as smooth as possible.

1. Define Your Renovation Goals

Before you start your search for a bathroom renovator, it’s essential to have a clear idea of what you want to achieve with your renovation. Are you looking to completely overhaul your bathroom, or are you interested in smaller updates? Consider factors like:

Design Preferences: Modern, traditional, or a mix of styles.

Functional Needs: Additional storage, upgraded fixtures, or better lighting.

Budget: Determine how much you’re willing to invest in the renovation.

Having a detailed vision will help you communicate your needs effectively to potential renovators and ensure they understand your expectations.

2. Research Local Bathroom Renovators

Start your search by looking for bathroom renovators in Eltham. You can use a variety of resources:

Online Directories and Listings: Websites like Yelp, Yellow Pages, and Google Maps offer lists of local renovators with customer reviews and ratings.

Social Media: Platforms like Facebook and Instagram often feature local businesses and can provide insights into their work.

Home Improvement Websites: Sites like Houzz and HomeAdvisor can connect you with professionals and showcase their portfolios.

3. Check Credentials and Experience

When evaluating potential renovators, consider the following:

Licensing and Certification: Ensure the renovator holds the necessary licenses and certifications required in Victoria. This indicates they meet industry standards and regulations.

Experience: Look for renovators with significant experience in bathroom renovations. A long track record often reflects expertise and reliability.

Specializations: Some renovators may specialize in certain styles or types of renovations. Choose one whose expertise aligns with your project goals.

4. Review Portfolios and References

Reviewing a renovator’s portfolio is crucial to assessing their workmanship and style. Ask for examples of previous bathroom renovations they’ve completed. Pay attention to:

Quality of Work: Check for clean finishes, attention to detail, and overall craftsmanship.

Variety of Projects: A diverse portfolio indicates flexibility and experience with different styles and requirements.

Client Feedback: Request references from past clients to gain insights into their experiences and satisfaction with the renovator’s work.

5. Request Quotes and Compare

Once you’ve narrowed down your list of potential renovators, request detailed quotes from each. A thorough quote should include:

Scope of Work: A detailed description of the renovation tasks and materials.

Timeline: An estimated timeline for project completion.

Cost Breakdown: Clear pricing for labor, materials, and any additional expenses.

Comparing quotes will help you understand the market rate and ensure you’re getting a fair price for the work.

6. Ask the Right Questions

When meeting with renovators, asking the right questions can help you gauge their suitability for your project:

What is your approach to project management and communication?

How do you handle unexpected issues or changes during the renovation?

What warranties or guarantees do you offer on your work?

Can you provide a detailed contract outlining all aspects of the renovation?

Their responses will give you a sense of their professionalism and how they manage projects.

7. Verify Insurance and Safety Measures

Ensure the renovator has adequate insurance coverage, including public liability and workers’ compensation. This protects you in case of accidents or damage during the renovation. Additionally, inquire about their safety measures and protocols to ensure a safe working environment.

8. Trust Your Instincts

Finally, trust your instincts when choosing a bathroom renovator. The right professional should make you feel confident and comfortable throughout the renovation process. Consider their communication style, responsiveness, and overall demeanor.

Conclusion

Finding the right bathroom renovator in Eltham involves careful research and consideration. By defining your goals, researching local experts, reviewing their work, and asking the right questions, you’ll be well-equipped to choose a renovator who can bring your vision to life. A successful renovation not only enhances your bathroom but also adds value to your home, making the effort to find the right professional well worth it.

[forthrightroofing]

Forthright Roofing specialises in all aspects of roofing, combining traditional methods passed down through generations with modern techniques. We strictly adhere to current British Standards and health and safety laws, ensuring your safety with comprehensive £2 million public liability insurance. Our services range from roof restorations to new installations, covering all sizes of projects. Whether replacing an existing roof or adding a new dormer through a loft conversion, we support you from planning to completion, ensuring a durable, long-lasting roof. Based in Milton Keynes, Forthright Roofing distinguishes itself from sales-driven companies by offering genuine, cost-effective roofing and home improvement solutions without high-pressure tactics. For a free, no-obligation quote or advice, feel free to call us. We're here to help.

Website: https://forthrightroofing.co.uk

Address: Atterbury, Fairbourne Drive, Milton Keynes, MK10 9RG

Phone Number: 01908 020018 0800 0468141

Contact Email: info@forthrightroofing.co.uk

Business Hours: Mon - Sat : 09:00 am - 06:00 pm

[thatstormygeek]

The raw emotion pouring out of this post. So fucking relatable.

Screw the retirees receiving pensions from the Kansas Public Employees Retirement System. Legislators could chip away at KPERS’ $9.6 billion in unfunded liabilities with surplus dollars but chose not to. They could give out a cost of living increase, but they haven’t managed that, either. Primarily, though, screw the folks without health insurance who could benefit from Medicaid expansion. In the nearly 10 years the state has gone without expansion, at least 1,500 people have died as a result. From my estimates, 70 have died this year alone. But legislators won’t expand Medicaid. Indeed, GOP leadership won’t even allow their colleagues to debate it. They won’t make KPERS whole or pay retirees more or support families in need. Nope, they focus on rich people, including the owners of sports teams. These legislators will roll their eyes at this column if they even bother to read it. Arch-conservatives don’t agree with the premise, and Democrats will likely feel that I’m attacking them for trying to get something — anything — done. Some tax changes could actually help everyday folks, such as eliminating the sales tax on groceries earlier or relieving property tax burdens. But the deal recently reached between Gov. Laura Kelly and legislative leaders appears to privilege income tax cuts above all else. Whoops. Meanwhile, that state-sponsored stadium deal could attract the Chiefs and possibly Royals from Missouri to Kansas, for negligible economic benefit. The owners would do great, though!

[arcinsurancebrokers]

What Is Public Liability Insurance?

Public liability insurance is a popular form of cover that offers protection against damage to property, injury or death. It may also protect you if you are found to breach confidentiality or lose important documents.

Generally, insurers offer $5 million minimal cover, $10 million moderate cover and $20 million coverage for businesses with a higher risk profile. The size of your business and where you operate can also impact the cost. To know more about Public Liability Insurance 10 million, visit the Arc Insurance Brokers website or call 0468848642.

Many businesses need public liability insurance – from office cleaners and market stall operators to builders and plumbers. In fact, some tradespeople are required to have it as a condition of their licensing. Similarly, it can be included in some business property insurance policies.

Ultimately, public liability protects a business against claims for property damage or personal injury that is caused by their negligence. This includes people who visit a business premises - whether it’s for a meal at a cafe or an inspection at a construction site. It can also cover any trespassers who enter a business premises without permission.

The amount of public liability insurance cover a business needs can vary between $5 million and $20 million, with higher levels costing more. The level of cover is usually determined by the type and potential risk of the work a business does, as well as any contract or industry requirements. Other factors that can affect the cost of a policy include where a business is located (affecting stamp duty), its history of claims, and the size of the business by revenue or staff numbers.

Generally speaking, public liability policies cover incidents that affect the general public. Any incident affecting your business or employees will be covered by other insurance such as employers' liability or commercial general liability.

Some customers may require you to have a minimum level of public liability cover. Having the right coverage will help you to win contracts and will demonstrate to your clients that your business is trustworthy.

There are many different insurance providers in Australia offering public liability insurance and it is important to compare cover and premiums. A broker with expertise in this area will be able to assess your needs and provide a range of options that will meet those requirements for a competitive price. A broker will also be able to explain any exclusions that are included in the policy.

The type of business and industry that a business operates in will have an impact on the cost of the premium. Businesses that operate in trade industries or involve risk to persons and property generally have higher premiums than office based businesses or businesses that are less involved in physical business activities. The size of the business will also have an impact on the premium, with larger sized businesses having higher premiums than smaller sized businesses.

Insurance companies offer a range of limit levels, ranging from $5 million to $20 million. Typically the higher the limit the more comprehensive the policy will be. The amount of cover required may be dictated by the organisations that you work with – for example many government contracts stipulate that you must have $20 million public liability coverage.

Insurance packages are available for specific types of business, which can be cheaper than taking out separate policies. These packages can be found through licenced insurance brokers and business advisors.

The policy wording is a document that defines the specifics of each type of cover. It provides details such as what is covered, what is excluded and the procedure for making a claim. It also includes the terms and conditions of the policy. It is important that you read this document carefully to ensure that you are fully aware of the coverage provided.

Many factors affect the cost of public liability insurance. The main factors are the type of business, size of the business (measured by either staff numbers or revenue), and if your business operates in any locations that are considered to be high risk. To know more about Public Liability Insurance 10 million, visit the Arc Insurance Brokers website or call 0468848642.

Whether you are an IT wizard in Burwood, or a dog groomer in Thredbo, public liability insurance is something that all NSW businesses should consider. It protects your business from claims arising from third-party personal injury or property damage caused by your business operations. For this reason, it is one of the most important types of business insurance available. 

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Public liability insurance and products liability insurance are two of the most important types of insurance for businesses. Read on PublicLiabilityInsurance.com.au to learn more about these two types of insurance and how they can protect you from huge claims.

[dot-24]

Driving Success: Mastering DOT Drug Testing for Transportation Entrepreneurs

As a transportation entrepreneur, navigating the intricate landscape of DOT drug testing is not just a regulatory requirement but a crucial step in ensuring safety, reliability, and compliance within your business. In this blog, we'll explore the ins and outs of DOT drug testing, its importance, challenges, solutions, and the role of technology and service providers in simplifying compliance. Let's dive in!

Why DOT Drug Testing Matters:

DOT drug testing isn't just about following rules; it's about safeguarding lives. By ensuring a sober workforce, transportation businesses mitigate the risks of substance-related accidents, protecting employees, passengers, and the public. Compliance with DOT regulations fosters a culture of safety and responsibility, essential for maintaining trust and credibility in the industry.

Who Needs to Comply:

Understanding who falls under DOT drug testing requirements is essential. From commercial truck drivers to aviation personnel, railroad workers to mariners, employees in safety-sensitive positions across various transportation sectors must adhere to strict testing protocols to uphold integrity and reliability within the industry.

Testing Procedures and Requirements:

DOT drug testing involves screening for a range of substances, including marijuana, cocaine, opiates, amphetamines, phencyclidine, and alcohol. Testing procedures follow rigorous guidelines, from sample collection to laboratory testing, review by Medical Review Officers (MROs), and follow-up protocols in case of positive results.

When Tests Are Required:

DOT drug and alcohol tests are mandated in various situations, including pre-employment, random testing throughout the year, reasonable suspicion testing, post-accident testing, return-to-duty testing after a violation, and follow-up testing for employees undergoing substance abuse treatment.

Practical Tips for Compliance:

Staying informed about DOT regulations, educating your team, partnering with reliable testing services, implementing clear policies, and providing support for employees struggling with substance abuse are vital steps in ensuring compliance with DOT drug testing requirements.

The Importance of Compliance:

Compliance with DOT drug testing regulations isn't just about adhering to government rules; it's about cultivating a safety culture, maintaining reliability and trust, avoiding legal and financial consequences, mitigating insurance and liability risks, and promoting long-term business health.

Implementing a Drug Testing Program:

Establishing a comprehensive drug testing program involves understanding DOT regulations, selecting qualified service agents, crafting clear policies, conducting pre-employment and random testing, managing post-accident and reasonable suspicion testing, and ensuring confidentiality and record-keeping compliance.

Challenges and Solutions:

While DOT drug testing poses challenges such as managing costs, ensuring privacy, and handling positive test results, practical solutions such as negotiating discounts, maintaining confidentiality, and establishing clear policies can mitigate these challenges and ensure effective management of drug testing programs.

The Role of Technology and Service Providers:

Technology and service providers play a crucial role in simplifying DOT drug testing compliance through digital scheduling and management systems, electronic chain of custody forms, integration with HR systems, mobile apps, expert guidance, comprehensive testing services, training, legal assistance, and compliance support.

Conclusion:

Navigating DOT drug testing is a multifaceted endeavor that requires diligence, expertise, and strategic partnerships. By prioritizing safety, reliability, and compliance, transportation entrepreneurs can ensure the well-being of their workforce, passengers, and the public while maintaining a competitive edge in the industry. Embrace DOT drug testing as a cornerstone of your entrepreneurial journey, and pave the way for a safer, more responsible future in transportation.

FAQs

1. Who needs to comply with DOT drug testing regulations?

Businesses in the transportation sector, including trucking, aviation, and public transportation, among others.

2. What substances does DOT drug testing screen for?

Typically, the test screens for marijuana, cocaine, opiates, phencyclidine (PCP), and amphetamines/methamphetamines.

3. How often should DOT drug tests be conducted?

It depends on various factors, including the specific industry and whether the testing is pre-employment, random, post-accident, or other types.

4. What happens if an employee fails a DOT drug test?

The procedures can include removal from safety-sensitive duties, a mandatory evaluation by a substance abuse professional, and completion of a return-to-duty process.

5. Can small businesses afford to comply with DOT drug testing?

Yes, there are cost-effective solutions and service providers that can help small businesses manage the requirements efficiently.

[mightyflamethrower]

Rising malpractice premiums are blocking the creation of new transgender “clinics” for teenagers.

“I didn’t anticipate that it was going to be a big deal,” Andy Rowe, the healthcare operations director for The Project of the Quad Cities, told Time magazine.

Rowe had called the clinic’s insurance broker to inquire about getting a new provider added to the organization’s malpractice policy.

The Project of the Quad Cities is an LGBTQ+ clinic located in Moline, Illinois, which has been trying to provide transgender-related medical procedures for minors living across state lines, where such practices are banned.

The organization embarked on this endeavor in June, and by early November, Rowe found that more than a dozen malpractice insurers had declined to offer the clinic a policy.

After five months of searching for malpractice insurance, Rowe finally received a quote for a policy that would allow The Project of the Quad Cities to offer transgender procedures for children, but “that’s when he realized finding a policy was only the first hurdle,” Time reported.

It turned out that coverage that Rowe had anticipated would cost $8,000 to $10,000 a year was instead quoted at $50,000.

Meanwhile, in New Mexico, family medicine physician Anjali Taneja said the clinic she works at was quoted “double what we paid a few years ago” to cover transgender procedures for adults.

While independent clinics and medical practices have been relocating across state lines to offer such medical procedures to minors, they are quickly finding out that obtaining malpractice insurance on the commercial marketplace has become a barrier, even in states that allow such practices.

Insurance industry advocates say these higher premiums are justified due to increasing legislation regarding transgender medical procedures for minors, meaning that clinics are at an increased risk of being sued.

“If state laws increase the risk of civil liability for health professionals, premiums will be adjusted accordingly and appropriately to reflect the level of financial risk incurred by the insured,” Mike Stinson, vice president of public policy and legal affairs at the Medical Professional Liability Association, said.

Stinson added that if state laws make an activity illegal, insurance simply will not cover it.

Those who are opposed to minors receiving transgender-related procedures have recently been pointing to “detransitioners,” who have filed lawsuits against the doctors who allowed them to undergo such medical procedures.

In the meantime, malpractice premiums are currently serving to put a damper on clinics that want to offer or have been offering surgeries and hormone “therapies” that mutilate children’s bodies.

So many "alleged" medical experts and politicians will one day pay for this. What were they thinking??

[darlenealive]

Back from my Scandi vacation!

Felt like I took it for granted leaving my brain back in SG and letting Ax do the planning and the navigating. I brought my spirits though! Spending my day off today looking back at the trip which was such a great use of my time. Really appreciating this extra day off after my vacation.

Some tips for Norway and Denmark travels first

1. It's cashless even in the small towns. Cash was more of a liability as it forced us to spend it all

2. Hotels cost as much as Airbnb for 2 pax so opt for hotels as there's guaranteed shampoo, soap, hair dryer, heating and laundry. Most of our airbnbs were missing soap or shampoo which we didn't bring any of, in order to travel lighter. The bnbs we stayed in were also commercialised houses so there's absolutely no feelings attached. Checking in and out would also be more convenient with hotels. We had to return one of our keys from a convenience store which wasn't open in the early morning, in time for our flight.

3. Groceries are marked down on Friday if they expire Monday. If you're in Norway, go to Kiwi or Coop for basic groceries as it seemed to be the cheapest. However, each shop will hv their own discounts (not standardised across the same chain). Eg. We went to a place with 40% discounts on Freia choc which was only available at a particular store.

4. Northern lights chase was the coldest we experienced. Basically, the guide said that if its frost on the floor, it's worse than snow as there's no insulation for your feet. Not the coldest real temperature but coldest we felt. Bring extra clothes and heatpack just in case. The bonfire didn't do anything for me because it's too cold. We went with GuideGunnar which updates its aurora sightings on a daily basis. These guys are crazy and would bring you as far as Sweden just to chase the lights so bring your passports along! They also offer a 50% off the next trip if you don't see it on the day.

5. There's no heat packs there so bring them from home.

6. In Copenhagen, we recommend the Copenhagen card. It's only 65USD for 24hrs and you get free transport, museum pass and boat rides. We only decided to get the card after our boat ride which cost about SGD25-30, which was already a quarter the cost of the card. In Copenhagen, checking of bus tickets was a regular thing.

7. Useful apps for riding public transport: Oslo uses Ruter, Tromsø uses Troms billet, Copenhagen uses Dot tickets. Ticket checking was not very often in Norway. We did not cycle as it felt too cold for more wind to hit our faces.

8. Skip Oslo if you dw to visit a city. We spent 3 nights there and it felt too long. We wanted to do our last minute shopping at Oslo but everything was expensive throughout the whole trip that we started to buy souvenirs earlier when we saw marked down prices. With one more day in Tromsø, we could've gone whale watching.

9. Take into account daylight savings from 29/10. You have 1 more extra hour to sleep but your days are much shorter. We slept a lot because of the cold, about 10hrs of sleep each day and it felt just right.

10. Personally I would have brought instant noodles as the food there isn't flavoured with the same umami as I'm used to. I would also bring a thermal flask there to enjoy my hikes even more, taking a comfortable and warm rest at the peak.

11. If driving, please remember to pay for parking. There's usually a machine to start your parking. Otherwise, the fine is 660NOK. Don't let the rental company settle it as it'll still be billed to you with an extra fee. We would also recommend full insurance since we aren't used to left hand driving and Norway is famous for its narrow roads (at least from Stavanger to Odda where we drove).

12. We used waze for driving and it seemed that speed cameras are only in tunnels but nobody was following the speed limit anyway.

That's about all of the suggestions Ax and I thought of!

Hope these suggestions come in useful for someone.