Lifestyle

What is Professional Indemnity Insurance?

If you are a professional who provides professional services in the UK, you are open to potential lawsuits against you regarding the services you provide. Someone can claim that you provided inadequate services, design or advice, and the result was that thy received financial losses.

This type of lawsuit can be devastating to a professional person or organisation. Top insurers recognise this threat and offer professional indemnity insurance as a defence for professionals against such lawsuits. PI insurance will cover legal costs and expenses incurred defending you, and any damages that are awarded.

Are You a Candidate For Professional Indemnity Insurance?

Many professional regulatory bodies require that the professionals in their industry have professional indemnity insurance because of the risks. However, if it is not a requirement in your industry, the risks of not having it can far outweigh any costs you pay to get it. In terms of guidelines for the types of businesses that most need it:

• You are an engineer, architect, designer who provides drawings or designs to clients.
• You want to protect yourself against any mistakes or allegations of unprofessionalism of the types described here, that might arise in your working relationship with clients.
• You give professional advice to clients such as business, financial or management consultants.
• You provide professional services where there is the expectation of a specific outcome. Such as teachers, fitness trainers, or yoga instructors.
• You are a consultant, freelancer, contractor or another self-employed professional, and you deal directly with clients. In this instance, you are exposed. Some clients will insist that you get PI Insurance as a protection measure for them, so there is recourse in the event you cause damage.

What Does Professional Indemnity Insurance Cover?

PI Insurance covers a range of issues that might occur in your daily business activities. These include:

• Infringement – You might be accused of infringing on a copyright or trademark.
• Breaching Confidentiality – Professionals are often held to high standards of confidentiality. If you or someone working for you disseminates confidential information of any employer, you can be sued.
• Error – many professionals provide data to their clients. If you send out information that is inaccurate and your client relies on this data to make an important decision, and as a result, is damaged financially, you can be sued.
• Negligence – such as client work you’ve carried out that hasn’t met the specified requirements, causing them to lose money or suffer an injury.

How Much Cover Do You Need?

This can be difficult to determine. However, you should weigh the costs you would need to defend yourself against a suit. Your insurer can assist in what amount would likely be sufficient. Take their professional advice to make sure that you are covered properly.

Professional Indemnity Insurance is a very important product for those who provide professional services. Operating without it puts you needlessly in harm’s way. Take steps now to protect yourself and your livelihood. You can’t control the unexpected, but you can be prepared with the right insurance cover.

 

If you are interested in saving money then coupon codes are exactly what you need. They give you the ability to freely shop while saving a couple of bucks in the process. You cannot however use just any coupon. There are certain things you need to consider when deciding on whether or not to use a coupon code. Certain coupon codes offer small discounts that are merely significant to the whole price. Other tips include;

1. COMPARE DEALS

When looking for discount codes for example from CoupoNinjas, you’ll find that the site has several different offers with different values. It is important that you compare all deals and find the one with the most value, that is, the one with the greatest discount. Don’t just look at the discount price, you also need to look at the discount’s worth. Getting a 50% discount on a product that’s worth $5 isn’t really worth it if you’re still going to pay the shipping fee. Compare all the deals offered on the table and pick the one that’s most convenient.

2. UNDERSTAND THE TERMS

Before you use a coupon code during checkout, you need to understand the terms of that coupon. There are certain discounts only offered once you reach a targeted amount. Others are only offered on certain products.

You need to first do the math and decide on whether the coupon code will save you money when you use it under its terms. Do not compromise if your pockets are going to get a big dent afterwards. There are also coupon codes that can be used more than once and that offer a very big save.

Remember, every coupon code has its own terms. Make an effort to learn and understand its terms before applying the coupon code.

3. CONFIRM STACKING

Most stores only give one offer at a time. Meaning only one promo code can be used at a time per customer. Others on the other hand offer promo codes that can be used in bulk.

It is also not a surprise to find stores that do not offer promo codes for gift cards which can cause quite a hassle when you get to checkout. Others allow discounts on gift cards which is a major save.

It is important that you have all the details on stacking before you decide on using a coupon code.

4. IDENTIFY YOUR PRICE POINTS

If you buy an item on a regular basis then it is very easy for you to identify your price points.

There is the average price which is the amount you normally purchase an item for. This is what you need to know, that way, when an item is on sale, you will be able to identify whether it is a good deal or not.

There is also the deal price which is the price you want to pay after a coupon has been applied. Remember that it has to be a valuable discount. With this in mind, you can use coupons to purchase this item in as many numbers as necessary till the next time you stock up.

The stock-up price is when a coupon results in the lowest price ever possible. At this point, buy as many items as possible. Go broke if need be. Chances are that item will never have such a discount again.

5. AVOID BRAND LOYALTY

Most people are loyal to products from a certain brand. They enforce this loyalty even when it comes to using coupon codes. The brand does not really matter when it comes to saving. A good deal is a good deal. You need to recognize that.

Unless you’ve actually used products from a certain brand that didn’t meet your satisfaction, there is no need to consider the brand.

Most top brands normally have discount offers that are a rip off. That means you save close to nothing and may end up even spending more than you had budgeted for.

Utilizing the above tips and suggestions will improve your couponing skills and in turn save you lots of money.

 

Firing a gun can lead to a rush of serotonin and a feeling of invincibility, but when it’s your first time shooting, it can also be intimidating and scary. Many people go to the shooting range for sport, and you might be tempted to pick up the hobby. If it’s your first time at the range, here are some tips on how you can prepare.

Know what you’re walking into

Before you head to the range, or maybe even when you get there, ask some questions about what you should expect. You can’t know what it’s like to fire a gun until you do it, but you can learn more about what the experience will be like. You also want to make sure you understand the etiquette of the range. This includes understanding the safety tips of the range, which includes keeping your finger off the trigger until you’re ready to shoot and always being aware of your surroundings. While many people shoot guns for fun, you have to remember that they’re still weapons, so make sure you’re doing everything you can to prevent accidents and stay safe.

Get the gear

When shooting at the range, you’ll need eye and ear protection. Bring this with you, and if you’re especially worried about being startled or scared, invest in great protection. This will help you feel more confident and less nervous. As for your gun, your local range might offer rentals. There are typically age restrictions on renting and some places only rent to groups, not individuals. The employees at the range should be able to walk you through the basics of whatever gun you rent, so don’t worry about looking like you don’t know what you’re doing.

If you’re worried about the accuracy of your shot, you can bring a stabilizer base such as the Maxim Defense PDW brace. Knowing that you have a stabilizer might also help you feel more confident on your first trip to the range.

Follow the commands of the range officer

The range officer will always let you know what’s going on and it’s your No. 1 job to follow what he or she says. The officer is there to ensure the safety of everyone in the range. The National Rifle Association even offers a range safety office program that certifies officers. These officers are able to safely supervise the range and keep everyone safe. He or she will also let you know when you’re able to shoot. Some ranges have “cold” times during which everyone must cease-fire. The “hot” time is when you’re free to fire at your target. Make sure you find out who the range officer is when you enter the range.

Know your range

Whether you do research before you get there or just ask the employees when you arrive, know your shooting range. If you’re headed to an indoor range, you will most likely be given a bay for your practice. This includes an electronic target that you’ll be able to move towards you and away from you. While you’re shooting, make sure you’re listening for the range officer and you’re always aware of what is behind you and in front of you. While the range officer may be responsible for everyone’s safety, you’re responsible for your own safety and actions. Stay focused on what you’re doing and stay safe. You don’t want anyone hiring a personal injury lawyer because you lost focus.

Going to a shooting range can be an amazing way to relieve stress. If it’s your first time, just know what to expect, and you’ll be a regular in no time.

 

Pregnancy is the most beautiful phase in a woman’s life. It’s the time when a woman brings a new experience into the world. Simply mesmeric. However, in the hustle of giving birth and making sure about the comfort of the little one, mothers forget about themselves. They forget that their health is equally important as of the newborn. They need to feel beautiful and warm about themselves, as well.

To have a comfortable pregnancy, pregnant mothers have to pull off just the right type of clothes. Clothes that are comfortable and easy to wear shouldn’t be a luxury for pregnant women. It should be a necessity for them to feel at peace while going through such an incredible phase.

For moms to be, finding maternity clothes can be struggling. Even if they find a few suitable dresses, it will be hard for them to dress effortlessly. During pregnancy, women want to feel good about their looks since it’s a difficult period.

One of the best dressing options while being pregnant can be a maxi dress. It’s a pregnant woman’s best friend because of its flowy design and coziness. With just the right amount of style in it, a maxi dress can make every pregnant lady like a queen.

Nonetheless, down below are some tips and tricks for those pregnant ladies who find it hard to carry a maxi dress. So let’s dig into those tips that will come handy for every pregnant lady.

Find Maxi Dresses With Stunning Prints:

It should be the first thing to pay attention while dress shopping. Maxi dresses with stunning and attractive prints is something women need to buy. The color combinations and styles matter just as much as the design of the dress. So try to find vibrant prints that will have a positive impact on your moods during pregnancy.

Moreover, different maxi patterns will make pregnant ladies feel more confident about themselves. It is something they need to focus on, especially when near giving birth.

Shop for the Perfect Cuts and Designs:

Besides the patterns, beautiful cuts and designs play a significant role while buying maternity maxi outfits. A maxi dress that has gorgeous cuts while being cozy enough will win over the hearts of pregnant women. Try to find free size maxi dresses that can be used post-pregnancy as well. There are several good sites to shop for maternity maxi dresses online, and it will be easier to find what you want.

Try to Experiment and Play With a Maxi Dress:

There are tons of great hacks available on the internet to try while playing dress-up. A maxi dress can turn into a fantastic fashion statement with a belt around the belly. Of course, there’s no need to tie the knot right on the waist, but above it. It will give a brilliant and flattering look to the baby bump. Other than that, a wide belt below the baby bumps for a gypsy appearance.

If the maxi dress is too long for you, you can always tailor or alter it. There’s no need to wear an extra baggy maxi and look bloated.

Do not Forget to Accessorize:

Well, accessories go well with all sorts of dressing for an edgier look. When it comes to a maxi dress, try a headpiece or a long beaded necklace. Play with jewelry like earrings, rings, and bracelets while dressing up. Not just jewelry, but handbags, satchels, and sandals will also help in completing the overall look. Accessories solve all kinds of dress problems, be it a maxi dress or something short.

It isn’t a new piece of information, but pregnant women often forget this step. They think wearing a dress solves the problem, but what’s the harm in mix and match through different accessories.

Try on a Jacket:

Yes, a jacket will put on a maxi dress together. With a solid print maxi, put on a coat in the same or contrasting color. This tip is beneficial for those ladies who are dealing with pregnancy during winters. With the help of a jacket, they will feel warm and cozy on chilly days. Even in hot summers, a light upper can do the job. Just try to look for the right option according to the maxi you have. After all, what can be better than slaying a maxi dress through an additional layer of a jacket or upper!

Summary

A maxi dress is the most versatile dress out there. Especially for pregnant women are struggling to find something flattering and alluring for their evolving body shape. These dresses are effortless to accessorize and carry daily. Be it a birthday party or a casual lunch with your friend, and a maxi dress is always the right choice to makes. It is why a maxi dress is the most comfortable yet elegant choice for pregnant ladies to stay fashionable!

 

Whether you’re celebrating your graduation, a wedding or you have another party in mind, party bus rental can be a very fun idea to add to your celebratory day. Party buses are becoming more popular and for good reason.

Why You Should Consider a Party Bus Rental for Your Next Party

There are several reasons why you should consider hiring a party bus for your next party. The main reason is that usually a party doesn’t get started until everyone is at the venue and has warmed up into party mood with music or chatting to each other. Whether you’ve booked a meal, a party venue, you’re going dancing or you plan to visit a few bars, people need time to get into party mode after having been working hard all day and then focused on getting ready.

But with a party bus the fun starts earlier. You can send the bus on a route to pick up all of the party members and the party starts as soon as there are a few of them in the vehicle. By the time you arrive at the venue the party has already been in full swing for some time and you leave the vehicle read y to continue.

Party buses are equipped with music systems, DVD players and screens, Wi-Fi, coolers for drinks and air conditioning systems. Privacy glass allows you to have fun without being conscious of the world around you.

Some party buses have enhanced PA and sound systems, and may even have a karaoke facility, so you can enjoy your music, and pretend to enjoy your friend’s singing.

A Responsible Designated Driver

Don’t forget as well that with the party bus rental you are also hiring a driver for the event who will make sure that all members of the party arrive safely at the party venue and any subsequent venues, and that all members of the party arrive home safe and sound after too.

Of course, there are certain safety issues to be concerned with yourself, as you would expect on any night out, especially if some or all are drinking, but with a designated driver more of the party can kick back and relax.

What Type of Party Bus Rentals Are There?

There are different types of party buses including SUV style limousines like Escalades and Hummers, executive buses which have been converted into party buses which may have seats which surround the perimeter of the bus all facing inward rather than in rows. Some are available with wheelchair access as well.

Whichever party bus you choose you and your friends and family will have great fun on your day of celebration as soon as you step onto your party bus. And then the party isn’t over until you’re all dropped off at home again at the end of the night by your party bus driver who will ensure that everyone gets home.

So why not consider a party bus rental for your next occasion.

 

To discover some of the key reasons why you should always wear your prescription glasses when you drive, simply continue reading to learn why wearing glasses is so important, when it comes to driving. Especially if you want to decrease your chances of being involved in a serious car crash.

The importance of wearing glasses whilst driving:

It’s actually illegal to drive without wearing your prescription glasses:

If you wear prescription glasses when you take your drivers test and your licence has a 01 mark in box 12 of your driver’s licence it’s actually illegal to drive without wearing your prescription glasses or a pair of prescription contact lenses.

So it’s crucial to remember to wear your glasses before you get behind the driver’s wheel of your car, if you want to avoid being fined by a local police man or woman. Not only may you receive a hefty fine for being caught driving without your glasses or contact lenses but there’s also a chance that you could receive demerit points for driving without your glasses. Worse yet in extreme circumstances you may be banned from driving for an extended period of time, if you have been deemed to be the cause of a serious car accident.

You have to be able to clearly read a number plate which is 20 metres away:

Did you know that it’s mandatory to be able to clearly read a number plate which is 20 metres away, in order to be able to legally drive a car? This is to ensure that drivers can safely keep an eye out for potential hazards and can clearly make safe decisions on the road. So if you require a pair of glasses in order to clearly read a number plate which is 20 meters away, always make sure that you have your glasses handy before you step behind the driver’s wheel of your car.

If you drive without your prescription glasses you may invalidate your insurance:

One of the risks of driving without wearing your glasses is that if you get into a car accident and cause minor or significant damage to either car, your insurance may legally refuse to repair your car or the car that you collided with. Worse yet, if the authorities deem that the accident that you were involved with was your fault, you may have to pay for any damage that has been caused to either car, out of your own pocket. Which could potentially set you back thousands of dollars. Worse yet, you may be forced to pay for any legal costs that may arise from your car accident.

So if you want to ensure that you’ll be fully covered for any costs that may arise as the result of a car accident, it’s important to wear your prescription glasses or a pair of prescription contact lenses.

You’ll decrease your risk of being involved in a potentially dangerous car accident:

If you want to significantly decrease your chances of being involved in a potentially dangerous car accident it’s well worth remembering to wear your glasses when you drive. As you’ll be able to clearly see the road as well as other cars and any potential hazards. Examples of which may include pedestrians, reversing vehicles and bicycles.

Hopefully you’re now well aware of some of the key reasons why you should always wear your glasses or a pair of prescription contact lenses before you start your car’s engine.

To read more on topics like this, check out the lifestyle category.