What to Expect from Public Liability Insurance

What to Expect from Public Liability Insurance

When they take public liability insurance, business owners are safeguarded against liability claims from members of the public against the business. Companies use different marketing strategies to market their products. For example, should an accident occur when the company is in a public place while selling their product, the insurance company covers any claims that may arise. For example, should a client trip and fall because of poorly placed equipment, the insurance company will take care of the medical expenses and legal issues.

Public Liability can pose a big operating cost to your business if you are not careful and an accident happens on your premises. Check out Allegiance Associates if you are considering a good Public Liability Insurance company today.

In this article, Kent Thune analyzes the cost and cases not covered by public liability insurance.

Things to consider when requesting public liability insurance

“Public liability insurance (PLI) covers claims arising from injury or property damage suffered by a member of the public on your premises or other locations where you work. Most United States businesses can get the same coverage in their commercial general liability policy. The cost of public liability insurance averages $400 per year for small businesses.” read more here

The cost of public liability insurance is very critical for many small businesses. Many people assume they may not need to seek protection at the inception of the business. Business owners often think insurance is a decision they need to make at a later date. However, this should be considered even before the company opens its doors for business. Bodily injury, property damage, and legal liabilities are possible even when the business has been operating for a day. Some of the factors that influence the cost of public liability insurance include the deductible amount, the size of the company, and the risks associated with the industry.

In this article in singaporelegaladvice.com, the author discusses some of the insurance covers necessary for small businesses.

Critical insurance covers for small businesses

“Often mistaken simply as a regulatory requirement, business insurance is not only about protecting you or your business. It is also a way of protecting your employees, your suppliers and even your customers from some of these threats. Think about the consequences should an unfortunate fire destroy your retail establishment and you are not insured.” read more here

Several insurance covers are available for businesses today. Some of these insurance covers are essential when the business is a startup. As the business grows, the deductible amount increases since the company will probably have more employees and clients compared to when the business had just started. The primary insurance covers necessary for startups include employee, property, and legal liability.

In this article in hiscox.co.uk, the author discusses public liability insurance, its costs and benefits.

How to determine if your business needs public liability insurance

“Public liability insurance covers you for the cost of a claim made by a client or a member of the public that has suffered injury or property damage as a result of your business or a product it has supplied. This means that it protects you against the cost of compensation to be paid out, as well as the legal expenses incurred by the claims process. This could mean anything from a client or member…” read more here

If your business involves interaction with members of the public, it is necessary to take precaution by taking public liability insurance. If your company has a department that is engaged with field service, it is essential to take insurance since anything could happen when the field service agent is doing his job, He could get hurt, or a client may be injured while trying a product you are selling. Taking insurance saves you from having to deal with the compensation claims you are likely to be faced with should anything go wrong. Understanding how your business runs and possible risks will help you appreciate the importance of public liability insurance.

When setting up your business, one of the considerations when looking at areas that need financing include public liability insurance. This cover protects your business from injury claims by employees, clients, and passersby. Anyone could trip and fall over a piece of equipment that was poorly placed. This could irreparably damage the finances and reputation of the company if you cannot afford to honor the claims. When you have public liability insurance, you will have one less worry since running a business is often overwhelming. You can now concentrate on increasing sales and building a brand without worrying about your employees and clients.

How do magnetic patches affect the body

How do magnetic patches affect the human body?

Magnetic therapy also known as magnotherapy is the practise of using magnets to influence the electromagnetic fields of the human body. The magnets are used to relieve pain by influencing ions and bloodflow. A magnetic patch or a pain relief patch works wonders on stimulating weak areas of the body to reduce swelling and pain.

The pip pain relief patches are odourless and fairly inconspicuous. They do not cause any skin irritation, are portable and do not have to be taken off while taking a shower or exercising as they are resistant to water.

People who have never heard of magnet therapy are often concerned about the safety of these techniques. They can rest assure that magnet therapy is harmless and safe to practise. It has been in use for centuries and does not contain any drugs, chemicals or artificial additives. The speed at which the patches effects are felt varies depending on the person. For some people it can take a couple of weeks for results to be felt and for others, results can be felt in a couple of minutes. Pip places a strong emphasis on the safety and health of their customers and thorough tests have been conducted to ensure the safety of their products.
Some people doubt the effectiveness of magnetic therapy. A study conducted by a sceptical Dr. Vallbona in November 1997 points towards magnet therapy being viable. Dr Valbona studied 50 post polio patients with painful arthritic joints. He gave active and inactive magnets randomly to participants to strap onto their painful trigger points. When 45 minutes had passed, 76 percent of the active magnet patients reported pain relief while 19 percent of the inactive group reported less pain. These results are very convincing of the results of magnet therapy.

Magnetic patches also affect the body in other positive ways. The patches have been seen to cure or help people who are suffering from depression and accelerate healing of injuries by making blood flow faster to affected areas of the body so that tissue growth is faster. A whole slew of other benefits like restful sleep, less stiffness in muscles and joints, reduced allergy symptoms and fewer headaches have also been reported by users of magnetic patches.
While there may be many people who dispute the authenticity of magnet therapy, there are more people who swear by magnet therapy and all its benefits.

Here’s Why People Turn to Magnetic Treatment

Here’s Why People Turn to Magnetic Treatment

As humans, when we are in pain, we immediately look for remedies before the actual cure. For instance, you had a terrible stomach ache and the first thing most of us will do is to look for a Loperamide, or an ointment and a prayer that it’ll be gone soon. Not until the pain becomes chronic, that is when we decide to see a doctor and find out what’s wrong with our body.

If you are looking for pain relief via magnetic therapy, look for PIP Singapore. They are Japan’s #1 Magneto-therapeutic Device and are one of the most established magnetic therapy. Check out their site today: http://pip.com.sg

Back to the times when conventional medicine is not in practice—or even invented, people have discovered the beneficial use of magnets to alleviate symptoms like swelling, muscle pain and poor blood circulation. Even without a dependable research, people in the ancient times had strong faith in what magnets can do to improve their health.

Today, consumers of therapeutic magnet had their own stand and testimony on how this kind of healing significantly changed their health status without undergoing medication of surgery. Writer, Hannah Ebilthite have gathered and shared the affirmations of different women about therapeutic magnets in this article for The Daily Mail.

Could a simple magnet magic away all of your aches and pains? Why more and more women are testifying it can

    • Faith Eckersall, 50, suffered chronic back pain until she used magnets 
    • Sophie Mullins, 32, from Fife believes that using magnets have helped her to overcome inflammatory arthritis which has left her with swollen joints in the past 

While some of us are still not convinced with miracles therapeutic magnets are proclaimed to have, a noticeable community of its consumers from the West are growing rapidly. Perhaps is it because of how efficient researching nowadays can be done that even the life-long secret powers of magnetic therapy have paved its way from the East—where it is believed to be discovered, to the other side of the globe.

The most challenging milestone as you enter the market place is to make a good and engaging impression. It is true that creating chains within the consumers is one of the key elements of building a successful business. On the other hand, before that happens, the seller’s first customer satisfaction is essential for the domino effect to take place. This, however, have been significantly surpassed by therapeutic magnets judging by the consumer’s feedbacks.

In Acumed, they have built a strong community of users that interact and share their thoughts about their experience and we will be reading some of them from their testimonial page.


“I really must write to say how thrilled I am after only two weeks of using the pain patches for my lower back pain. The pain relief really was to be experienced and to be appreciated…”-Miss C.T

“I have just found and started to use the Magnetic Patches Pain Patches and would like to let you know how much they have helped me…”-Mrs. A. Read all testimonials here

There is nothing wrong with trying magnetic therapies as long as you can afford it—because some of them may be a bit pricy although the benefits you are about to get are surely not compromised. It’s a good thing that it is now distributed in form jewelry, patches and more. Plus, they are available in almost every country but be careful of imitations of these product, those are the main reasons why some people are disappointed with their experience with magnetic therapy, they are victims of gimmicks by fraud companies.

Magnetic therapy has proved itself over the centuries by testimonies, physical facts and researcher conducted by scientists. Its fame also began when powerful people in the history are doubt that people would want to have one—especially those who are suffering from chronic pain.

In the next article by Paul Whitington let us take a look of the said powerful individuals who have used and proved the effects of magnetic therapy.

A magnetic treatment that’s guaranteed to draw you in

What do Cleopatra, NASA astronauts, the golfer Christy O’Connor Jnr, and my best friend’s dog have in common? They all are, or have been, fans of magnetic therapy.

They are not alone. More than 150 million people worldwide use magnetic therapy to relieve pain, reduce inflammation, improve circulation and enhance well-being. Read more here

Here is something we all need to know; magnetic therapy works but it is how you use it that’ll take effect on you. Before we go on an alternative healing—or even conventional medical ones, we have to practice solely taking care of our bodies. Only when you are living a healthy lifestyle is when your medications and practices become helpful. Your nourishment, remedies and intervention to your sickness should be well-balanced and clinically tested, and this is where most of us fail to heal from and claim that a certain product is a fraud.

Of course, a healthy lifestyle does not guarantee that you will be free from any disease for there are illnesses acquired genetically or as we age but at the very least, it reduces the risk. What consumers also need to understand is magnetic therapy has its own guidelines and precautions. Thus, proper consultation from physicians should be done initially.

Here Is Why DSRC Technology Can Be the Future for Safe Driving

Dedicated Short Range Communications or DSRC is a short-o-medium-range and dual-way wireless communications technology, which allows high-speed data transmission important for active communications-based safety applications.

If you are looking for a DSRC Technology provider in Singapore, you should consider ATT Systems DSRC.

Developers of DSRC technology

Application developers, device manufacturers, people from consumer electronics, telecommunications, automotive industry and any other sector whose products are capable of sending alerts to personal communication devices of travelers, infrastructure or vehicles can develop the DSRC technology`.

Ways in which DSRC technology is being utilized

V2I and V2V applications using DSRC technology can have the ability to drastically bring down deadly incidents of crashes and collisions through real-time alerts being sent to drivers to warn them against imminent safety hazards like getting too close to a road�s side, collision paths while merging, slippery patches or steep curves on the road ahead, cars in the front sopping all of a sudden, presence of vehicles and communications devices nearby.

User-friendly V2I benefits such as toll payment and e-parking can also use the DSRC technology to communicate. Electronic sensors in devices and vehicles and pass on anonymous information over DSRC so that better information related to travel and traffic condition can be provided to transportation managers and travelers.

Reasons for developing DSRC and its merits

The primary goal of developing DSRC was to enable technologies, which can support communication between V2V infrastructure and devices and help safety applications so that collisions can be reduced. It is the sole short-range and wireless option today, which offers:

Quick network acquisition

It is a requirement for active safety systems for establishing communication immediately and for frequent updates

Fixed licensed bandwidth

It is required for the occurrence of reliable and secure communications. The designated bandwidth is mainly reserved for vehicle-based safety applications.

Preference for safety applications

DSRC based safety applications are given a preference over non-safety based applications.

Privacy and security

DSRC technology offers privacy and message authentication for complete safety.


The technology enables interoperability. In fact, it is the key to successful implementation of safety applications that use widely accepted standards. The technology supports V2I as well as V2V communications.

High level of reliability as and when necessary

Active safety applications need a high degree of link reliability. The DSRC technology is used in mobility conditions when the vehicle is at high speed. It can deliver high performance even during extreme weather conditions such as snow, fog, and rain.

The DSRC technology ensures high speed and the most reliable vehicle-based technology to prevent crash and collisions.


Is having professional insurance or surety bond necessary and why is it important

Is having professional insurance or surety bond necessary and why is it important?


In the complex economy of our time that requires many different skills and expertise, outsourcing the tasks that used to be done mainly in-house becomes the norm because it can reduce production cost, financial-wise. The company that choose outsourcing do not need to hire another full-time worker or professional that entails employer’s commitment such as medical benefits, paid maternity or paternity leaves, loans, etc.


If you are looking for a corporate or personal insurance provider, you should consider Allegiance Associates. They cover a wide range of professional insurance in Singapore. You should check out their site above.


The risk of outsourcing however, exists. The contractors who provide professional services may fail to fulfill the contract to the fullest, causing financial loss to the companies which use their services. Due to the potential risks involved every time this kind of transactions happen, the role of professional insurance or surety is very important to protect all parties. Several types of professional insurance are available in the market, depending on the needs of the parties.


An article on Insureon website gives good explanation about the importance of professional liability insurance.


Having professional insurance demonstrates positive aspects of business


There’s always a risk that you or an employee could make a mistake in your work — or at the very least, be wrongfully accused of making one! That’s why larger business partners might require you to carry Professional Liability Insurance before they sign a contract with you. A Professional Liability Insurance policy signals to your potential clients that you have their interests in mind and that you handle your business responsibly.


It can also give you a professional advantage over competitors who don’t have coverage. You can bid for projects your competitors can’t handle or advertise a benefit your competitors can’t provideRead more here!


If you are a company looking for outsourcers to do some professional works or to provide skillful tasks or consultancy that involve potential financial loss if it fails in any way, it is good to look for contractors that have professional liability insurance coverage. This is to ensure that the contractors can pay for the losses that you suffered due to their negligence, omission or advice that produce wrong results. In cases of lawsuits, even if you win, the contractors without coverage might not be in good financial standing to pay for the damages the court award to you.


On the other hand, if you are the contractor who is in the position to enter a contract as a service provider, having professional liability insurance demonstrates how far you are willing to protect your customers and their interests. Your concerns about your responsibility will resonate well with potential clients and brings more businesses. While some industries are stricter in giving out contracts only to those providers with insurance coverage. So, your business opportunities expand, too.


Let’s see what are the reasons that might lead to risk of litigation in professional settings, written by Mike Ang at Aon.


Protect your company from expensive lawsuits


Risk of litigation comes from many sources, including:



    1. Failure to perform to the required standards


    1. Inadvertent error (even at junior levels) or the unintended consequences of seeming appropriate advice


    1. The failure to adhere to accepted “prior” or “post” procedural protocols leading to potentially serious claims or law suits against professional service firms. Read more here!





For example, your business is providing service of building e-commerce platform that includes secure payment gateway. You have delivered the website and your client is very happy with it. But one day, the secured payment gateway got hacked and the client had some considerable loss caused by the incident. He decided to sue you.


Without coverage of insurance for your professional services, you might find it challenging without a safety net to fall on. Lawsuits usually cost a lot of money, especially if it is dragged for long months or even years before settlement. If you win, it will be a great relief, but what if it the other way around. You will need to prepare for days like this because doing business always involve some risks, high or low.


Looking to buy insurance only when the need arise is not a wise decision, because the insurance company can end up denying your insurance claim.


If you are not into insurance, another option to consider is the surety bond. Charles Seiler shares the detail on Savannah Now.


Surety bond is another option to consider


A surety bond is a contract involving three parties: the person or entity performing the service (principal), the person or entity for whom the service is performed (obligee) and the entity that guarantees the principal will perform as agreed (surety). In the event of a loss or failure to perform, the surety bond pays the obligee, not the principal.


Surety bonds work more like credit than insurance.


Insurance is an agreement between two parties where the entity paying the premium receives the benefit in the event of a loss. 


Surety bonding consists of two types: commercial and contract surety bonds. Commercial surety bonds, in most cases, are easier to obtain as they typically require only a signed application and current financial statement. Read more here!


If you do not want to pledge for long term payment of insurance premium, surety bond is easier to obtain because financial statement will be enough as supporting document. In the event of any loss, the surety will act as a guarantor to ensure the contractor who provide service will pay for any failure in performing promised tasks. Put ourselves in the client’s shoes; if there are two contractors, one with surety bonds and another without, with same good track record in giving service, why not choose the one that can pledge more financial responsibility.


Knowing all these, it is very easy to conclude the importance of having professional liability insurance or surety bonds that can cover the interests of both parties, either the client or the contractor. Although it is not a necessity, it is necessary in certain situations to have this kind of safety net. Reap the benefits that this financial security can offer – the confidence to enter any contracts knowing both sides are properly protected.

What Are The Common Misconceptions About Iris Recognition

What Are The Common Misconceptions About Iris Recognition?

Just like most movies tend to exaggerate the capabilities of technologies or other imaginary scenarios, rumour mills have taken it upon themselves to discredit iris recognition systems in the eyes of the general public. No matter how effectively one tries to discredit something or someone, the truth will eventually emerge on its own merit. This holds good even in the case of the iris recognition technology as well. For many years now, eyes have been thought of as the indicators of the innate human nature. While its veracity is yet to be verified, the
fact that eyes can be used to distinguish people accurately is now well accepted by the scientific community.

If you are looking for an Iris Recognition System for your company, you should consider ATT Systems Group Iris Recognition Access System. They have the expertise and know-how to assist you on your technical needs and implementing the systems. You should check them out.

Most people do not know that, the patterns in the iris of human eyes are one of the most intricate things in the world. As it forms when the baby is in the womb, it follows no guidelines whatsoever and it is as random as things can get in the natural world. This level of intricacy is the strength of the modern iris recognition systems. People need to understand that, it is the colour of the eye which is genetically determined, not the pattern of the iris. It is high time people�s doubts about the iris recognition system are cleared, as it is set to become commonplace in the near future. In this article we shall discuss, what are the common misconceptions about iris recognition.

Laser used in iris recognition is harmful in the long run
In the movies, iris recognition is depicted in the form of a laser scanning the eye, but truth be told, the actual iris recognition system does not work anything like that. Actual iris recognition systems capture the image of the eye through a near infrared camera. Considering that this wavelength is hardly visible to the human eye and that it pulses at a very high frequency, it has absolutely no effect on the human eye whatsoever. Even prolonged exposure to it makes no difference and the iris recognition system finishes its job in under a few seconds.

Identical twins can fool iris recognition systems easily
Nothing can be more farther from the truth, since the pattern of the irises are randomly formed with no bearing to one�s genetics, identical twins have no edge over iris recognition systems. Even the irises of the same person have no correlation among them whatsoever.

Top Tips for Selecting Professional Liability Insurance

Is professional liability insurance available with any insurance agent? Actually you cannot find it typically with all insurance brokers. The reason for that is this insurance falls within a separate genre altogether and needs specialised relationships, knowledge and awareness of non-standardized policy forms.

Here are some of the top tips to select apt professional indemnity insurance.

Third party coverage

It is an example of 3rd party coverage.  For instance, conventional insurance products such as a homeowner’s or auto policy are an example of a first party coverage. In the case of 3rd party coverage, the 3rd party or a claimant can claim for services or money when the first party or insured has failed to perform their professional services. Policies for professional liability insurance are specially designed to cover a claimant’s financial or economic loss with a duty of defending the insured in the actual lawsuit. These policies provide some sort of supplemental coverage that resembles 1st party such as disciplinary proceedings expense.

When an insured avails Professional Liability Insurance, the wrongdoings or liability does not have to be proven for initiating coverage as part of the plan.  Alleging it is sufficient. Some claims for professional liability incorporate accusations of fraud or criminal or intentional acts and there may not be any coverage for the policy.  However, just a single covered act like negligence may be required for initiating a legal defense within this policy.

Appreciate the operation of reported insurance and process of making claims

Most of the time, professional liability insurance is made available on a form called Claims Made policy. The meaning of Reported insurance and Claims Made is the potential or actual claim that should be reported and made to the insurer during the first discovered policy period. If the policy does not have any Retroactive Date, it may provide complete prior acts coverage.

Consult a professional in the industry sector for any help

It is an Internet driven world today so you can get prompt response. It is a world where you can ‘Google’ practically any kind of information. And yet, a professional insurance agency can do a much better and scientific research so that an excellent buying decision can be made about any policy decisions in just seconds while you can avoid making error in judgments. Moreover, all insurance plans in general, and professional liability insurance in particular, do not have equal features. Established insurance agencies have the expertise to watch the financial fitness of the insurers along with the use of public forms. However, at the end, you as a consumer have to take the final responsibility to know what you ought to be buying.

Everything About Professional Indemnity

What? – Professional indemnity is explained as that part of insurance which is liable to all the professional services required. It is, in short, referred as PI insurance and, in other cases, PL insurance. It guards all the legal expenses that are incurred for defending claim. It can also cover those costs which can be granted in case a person supposedly provided any insufficient service or advice. In other cases if an individual provided inadequate designs that reflected in loss to the client, all these charges can be covered through this process. Simply, it can be defined as a compensation that is payable to the particular client for rectifying a mistake made and pays the legal costs happened to defend a claim.

Who needs it? – Almost all the professions need to hold an insurance of professional indemnity. In a business destination country like Singapore, professional indemnity insurance Singapore made it mandatory for many professions. It is also important for anyone to have an insurance policy that matches and abides to their industry’s regulatory terms and requirements. Even in cases you might not be obliged to hold PI insurance, then remember, chances are you might end up paying huge amounts of money for paying legal fees and other payments related to managing compensations. Not included is all that money paid for defending any kind of allegation.

Which professionals need it? – To take up this insurance is no limitation. But, most people ask, who do you think requires it? Which professions or professionals might want it? Here you go.

Consultants – Both business as well as management consultants like marketing, education and training need it, as they might need to defend them in few instances.

Information technology professionals – They include all of them, from developers to programmers and consultants to contractors.

All the firms related to recruitment. They can be agencies or consultants.

Any type of designers, like website, interiors, graphics, to name a few.

Professionals related to fitness. They can be personal trainers, instructors of yoga or even dance teachers.

All the teachers, be it a Kindergarten or Post graduate. It includes tutors who teach part-time privately.

What is the cost of this insurance? – It varies. Many factors play an important role in giving a final count of cost in taking professional indemnity insurance. The factors might include the entire amount that needs to be covered. It also varies widely for different ranges of individuals and professional. When in doubt, consult the respective department and provide the details, such as the factors you might like to cover, and experts can always guide through the process.