Why Contractors Need General Liability Insurance

Regardless of if you are a general contractor or a sub-contractor, contractor’s general liability insurance is one type of insurance coverage that you can not afford to do business without. Not only will the majority of jobs require your company to provide proof of GLI (general liability insurance) before allowing it on their property, but neglecting to protect your assets with this wide-ranging kind of business insurance leaves you exposed to sometimes-catastrophic liabilities if mishaps or injuries occur during a job.

Things That Contractor’s GLI Covers

Contractor’s general liability insurance coverage includes a number of vital kinds of coverages, that collectively insure bystanders, customers, sub-contractors, and employees against these kinds of claims:

* Advertising Injury (i.e., libel and slander)
* Bodily Injury
* Personal Injury
* Property Damage
* Products and Completed Operations

In every case, the contractor’s general liability coverage covers legal and judgment expenses caused by claims being filed against the insured contractor. This generally includes all the other party’s hospital expenses, earnings lost, and all pain and suffering that could have been endured.

Whereas a few of the aforementioned kinds of claims (bodily injury, personal injury, and property damage specifically) are rather common on job sites, the necessity for others might be less evident for a contractor. For this reason, it may be beneficial to review each type of claim using an example of an occurrence that can result in this type of claim being filed against a contractor.

Examples of the Types of Claims Covered

Advertising Injury

Such a claim is protected by the vast majority of contractors’ general liability policies, but it’s probably one of the rarest to actually be filed. Advertising injury is defined as damage sustained as a result of another party’s use of slander or libel against the plaintiff. If you are a contractor, one example might be a sub-contractor submitting an insurance claim against a general contractor on the premise that his professional reputation and earning potential has been weakened by damaging reviews and publicity initiated by the general contractor.

Bodily or Personal Injury

A couple of the more-common claims made against contractors, bodily injury and personal injury claims occur anytime a third party (e.g. a customer or bystander) is inadvertently injured on a job site as the result of carelessness on the part of the contractor. Personal injury claims sometimes can include psychological and emotional injury that result from either negligent or deliberate acts by the defendant. One example is a bystander who is injured by a falling step ladder which was left unattended by the contractor within an area that gets significant foot traffic.

Damage To Property

The most-prevalent claim observed on job sites, property damage claims originate from damage or loss of property because of the insured party’s activities. Such actions might be either deliberate (whereby the injured party may additionally submit a personal injury claim for psychological and emotional injury) or accidental, and are occasionally filed due to damages or injuries that happen after the contractor has already completed the project. One common illustration of this would be a plumber who is sued because water pipes he installed begin leaking and causing damage to the walls and flooring near them.

Products and Completed Services

Products and completed services insurance is very critical to contractors, because it covers the claims that occur should a client believes that a job was not done appropriately. This might be by way of a foundation that eventually splits or a wall that collapses at some point after a job has been completed.

Which Kinds of Contractor’s Should Have GLI?

Contractor’s general liability insurance is vital for any type of contractor or subcontractor because, as you’re undoubtedly aware,our culture is one wherein some people utilize lawsuits, and the threat of lawsuits, as their principal means of settling disputes. Given that a contractor’s business requires him to pass long periods of time on other people’s premises, contractors and subcontractors are open to a tremendous array of liabilities that can transform into lawsuits at a moment’s notice. As a consequence, safeguarding your business and personal assets with a comprehensive general liability policy is not only smart – it’s a necessity if your company is to survive.

Do You Wonder Why You Do Not Have An Information Products Business?

It is certainly no secret that information products can be extremely lucrative if done right. The expression, information product empire, can accurately describe what some people have done with their info products. People love any kind of information that helps them achieve a goal or solves a problem. When you stop and think about it, this is not so unusual to find people who will pay to have their problems solved for them. You cannot just run out and do this because there are many things that must get done the right way. Here are three terrific reasons to begin an information product business as soon as possible.

You can actually turn your hobby or passion into an information product! Most people have subjects they’re very knowledgeable about or favorite hobbies that really interest them. You might be surprised how many hobbies can be turned into practical businesses. For example, let’s say you’re really good with computers and can troubleshoot various problems that come up. This isn’t something you’re paid to do, you just love tinkering with computers. Now many people would appreciate having this skill, so you could put this information into an e-book and you’d have an audience ready to buy it. Many different topics actually have target markets who would be interested in useful information. Not only can you make a success out of this, but it will be a labor of love, as you’re basing it on something you actually enjoy.

You can always renew your existing info products, ramp them up and sell them at a higher price. In fact, this is a favored method by many people, and they make even more money from it because it is priced higher. It is just a question of making something a little better and then using proper positioning.

When you hire a freelancer to write for you, all the content is an expense you pay once, and then you are free to go out and make money with it. You buy the content and then you can use it over and over for life. The profit margin with information products is notoriously high, and that is another part that makes it so attractive. This one reason alone is a proof that the info product business can give you huge returns for your one time investment. If you want to find something you can do and be successful with, then you need to consider information products business. It doesn’t matter even if you’re new to the whole info product business, as you move along you’ll realize how you can sell your products packaging them in various ways. You can start doing research today for good products to learn from, and that is a good idea to do.

Sell Products Online – The Fastest Way to Generate a Second Income

If you are interested in starting a home based business on the internet then you might want to consider a business that sells products online. To sell products online has become the easiest and fastest way to create a secondary or even primary income from the internet. There are two types of people who sell products online. There are those who sell products online that they themselves have created and there are those who make a commission selling other peoples products. The latter is commonly referred to as affiliate marketing. In this article we will discuss how to sell products online for a commission.

To sell products online as an affiliate marketer is sort of like being an internet salesman. You must persuade your visitor to click to the next page through an affiliate link that is tracked so that you can get credit for the sale if they purchase anything. There are a number of ways you can do this.

If you are new to the game their are a number of online programs that you can buy that will help you sell products online. They are usually around $39 to $49 dollars. When I first heard of affiliate marketing and how I could sell products online to make money I went ahead and bought several online affiliate programs. The Rich Jerk, Ultimate Wealth Package, and Affiliate Project X. Each covered the basics of how to sell products online and even offered a free website to help you learn how to promote their product. Of course after I begin getting the hang of things I moved on to selling other products using the methods they had taught me.

The method I have found to be most effective if you want to sell products online and make guaranteed profits is article advertising. I learned this one through the Affiliate Project X program and it is b far the best technique if you want to a sure fire way to sell products online and earn some extra cash. The best thing is that article advertising won’t cost you a dime. However, it will take some time and effort on your part. Here’s an overview of how to sell products online with this method.

Located a product with the potential to earn you money and do some brainstorming about it. Select a keyword that is related to the product and write your article based around that keyword. Repeat this process for other keywords related to the product. Make sure to place a link leading to the product your promoting towards the end of the article.

Lastly, to sell products online from your articles you will need to post them somewhere that people will be able to read them. E-zineArticles.com, GoArticles.com, SearchWarp.com, and U.S.freeads.com are all free article directories that you can post on.

If you wish to sell products online using the article advertising method you will have to create new articles on a daily basis. If you write 1-3 articles a day you will start to sell products online towards the end of your first month.

Packaging Containers (Forms) For Milk And Dairy Products

Bottle

The glass bottle still continues to be used for packaging of milk in some parts of the world. However in several developed countries and some of the developing countries it has lost ground to single service containers for packing milk.

Carton

The cartons are the preferred medium or form for packaging milk. They are also used for packaging liquid, frozen and coagulated milk products. Cartons are commonly made of food grade paper coated on the inside with wax or plastics; or lined with paper, plastic films or aluminium foil; or made of laminates. The merits include maximum space utilization in vehicles, and storage; ability to carry attractive printing and convenience as a means for stacking milk at super market shelves.

Retailers in the developed countries consider it the best available package for self-service selling. Cartons also play a role in the bulk packaging of milk. Cartons are commonly available either as preformed containers or as pre cut blanks ready to be formed in to containers. The carton systems in common use is

Perga (preformed) U.K

Pure pak (precut) USA

Zupack, Blockpak (precut) Germany

Tetra pak (precut) Sweden

Sachet / Bag / Pouch

Flexible waterproof plastic bags are commonly used for packaging milk and liquid dairy products. Since it is difficult to pour from these, a jug is usually also provided. The popular laminate for such bag is black or dark brown (to exclude UV light) or white. The bags may be formed from either a reeled or flat film. Generally it is a form-fill-seal system. Generally, ultra violet light is used to sterilize the films. The bags are heat-sealed and cut, the common sequence being to bottom seal, fill, move down on sachet length, top seal and cut off.

Can

This is commonly used for packaging all types of solid, semi solid and powdered dairy products. Cans are traditionally made of soldered tin plate steel, generally lacquered on the inner surface to prevent corrosion. Aluminium cans have now become famous. Cans are the most convenient for gas packing.

Box / Tub

It may be made up of wood or paper board. White wooden boxes / tubs are used for bulk packing of butter and butteroil with butter paper / plastic liners, paperboard boxes are generally used as over-wraps.

Barrel / Cask

Commonly made up of wood and coated with wax on the inner surface. Used for bulk packaging of sweetened condensed milk, semi solid butter milk / whey, butteroil etc.

Cup

They are generally made up of paper with wax or plastic coating on the inside. Used for packing frozen dairy products such as ice cream and coagulated milk products.

Collapsible tube

They are made up of aluminium and lacquered on the inside. Low cost, lightweight, ease of handling and dispensing, product protection are its advantages. Used for packing semi fluid products such as sweetened condensed milk, processed cheese spread etc.