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Monday, January 17, 2011

Blue Monday

It's Blue Monday!

The official most depressing year of the day, or so them say. Me, I dunno if it is or not. The sky's looking pretty blue to me, and some coffee will be on the go soon.

Anyway, Blue Monday, according to the Wikipedia:

Blue Monday is a name given to a date stated, as part of a publicity campaign by Sky Travel, to be the most depressing day of the year.

This date was published in a press release under the name of Cliff Arnall, at the time a tutor at the Centre for Lifelong Learning, a Further Education centre attached to Cardiff University.Guardian columnist Dr Ben Goldacre reported that the press release was delivered substantially pre-written to a number of academics by Public Relations agency Porter Novelli, who offered them money to put their names to it.[1] The Guardian later printed a statement from Cardiff University distancing themselves from Arnall: "Cardiff University has asked us to point out that Cliff Arnall... was a former part-time tutor at the university but left in February."[2]

According to a press release by a mental health charity[3], the formula is:

\frac{[W + (D-d)] \times T^Q}{M \times N_a}

where weather=W, debt=d, time since Christmas=T, time since failing our new year’s resolutions=Q, low motivational levels=M and the feeling of a need to take action=Na. 'D' is not defined in the release, nor are units.



Tuesday, January 11, 2011

BUSINESS COMBINED INSURANCE

At Freelance Insure, we provide you with total cover for all your different business assets in one cover. From fire, accidental damage, vandalism, theft, natural calamities to the cover for your building, machinery and its parts, contents, business stock and equipment, we cover all in one combined business Liability insurance. We also cover you for business interruption, products and public liability, goods in transit, an all risk cover, terrorism cover. All this is available with Freelance Insure at very competitive rates and you can even pay in monthly installments.
Business Combined Insurance is excellent for any business type; however, particularly it suits the wholesalers and manufacturers. It is generally a little more complex as compared to the shop and office insurances. We can also customize the cover according to your business needs and requirements

Why does an interim manager needs PI insurance?

Interim managers or the turnaround specialists, now-a-days are preferred by majority of clients to yield an impressive financial as well as operational result out of the existing viable business. The ability to completely understand the situation, needs and wants of a client mere with a scant detail about the assignment has helped them to gain the success and fame all across the globe.

The interim manager PI insurance is designed to fill the difference in client’s expectations and performance of interim manager. If this gap exists or gets wider then you will be left with aggrieved clients and their huge financial compensation. The litigations against an interim manager will badly affect him for example his confidence may get totally crushed, his personal or business earnings may get threaten by this incident. That is why interim managers insurance helps you to concentrate on the protection instead of worrying about the money for the court proceedings.

Our bespoke insurance policy covers against common risks like violation of rule, errors or mistakes or negligence while at work, intellectual property rights infringement, loss of data or documents etc. Products available include interim manager Insurance, PI insurance, public liability insurance, employers liability insurance, business equipment cover, insurance for IR35 tax protection, health and safety insurance and personal sickness and accident insurance.

Sunday, January 9, 2011

Insure yourself with Personal Accident Insurance because accident happens anytime, anywhere…

No matter how careful you are while driving or crossing the road, you may face an accident at any point of time. These mishaps are sometimes serious and may lead to physical impairments, or even death or permanent disability. Any of these terrifying consequences will ultimately push your family in dire monetary loss. Our Personal Accident, Sickness & Travel Insurance policy helps you to overcome such financial crisis. Our personal accident insurance policies are tax efficient and easy to qualify meant for round-the-clock protection. It is recommended to choose an appropriate level of protection for you and your business as per your income. Your investment of 70 pence for a week in this policy will pay out £1000 per week if you fell ill. So, get protected with our personal accident sickness insurance coverage and rest with ease.

Medical is not required as the cover can be easily arranged in few minutes and can be upgraded at any point of time. All is possible only if you know what is covered and what not

Tuesday, December 28, 2010

EXCLUSIONS OF PROFESSIONAL INDEMNITY INSURANCE FOR DOCTORS

Apart from the cover offered to the doctors and medicos in the professional indemnity insurance, there are certain exclusions also. This means that there are a number of issues for which, if the doctor is held liable, the insurance company will not cover him i.e. the insurance company will not pay any kind of damages. Some of the inclusions are:

Any liability arising from the criminal act or violation of law is not covered.

If anything goes wrong with the patient and you are found under the influence of intoxicants or drugs.

If you have used drugs to reduce a patient's weight and if it is found out or anything happens to the patient during treatment.

Claims made against the doctor because of the cosmetic surgery going wrong.

Any kind of liability arising out of intentional non compliance of the statutory provisions mentioned.

There are many other exclusions which should be made clear before buying a professional indemnity insurance policy for the doctors. It is always advisable to get in touch with a knowledgeable insurance agent and gather all the information and understand it thoroughly about the kind of policy you want to buy.

Sunday, December 26, 2010

IT Contractor Insurance is a must in today’s litigious world

As a freelance IT contractor, you may not only face litigations from clients but there might be many other problems as well. As a self-employed IT Contractor you will not earn any money unless you do some work; Injury or illnesses may hinder you from carrying out your work; when you are out of work, you may run into financial difficulties, etc.One solution for all these problems is IT contractor insurance. Trends are increasing, claiming professional indemnityfrom contractors even when a small mistake is made. The clients have become much more aware about the laws that protect them and thus can call in allegations even if you cause them a minimal loss of money. Thus, IT contractors need insurance, as even a single claim could ruin your entire business.


IT Contractor Insurance can help in mitigating the risk of legal claims, and is ideally suited for sole contractors because the risks are shared by many policyholders, making the compensation cost equal the size of their business. Indeed, the cost of defending a major claim far exceeds the premium cost and can threaten many small businesses of complete extinction.
You may consider getting your insurance for IT contractors right away. Get your insurance quote now! Visit
www.freelanceinsure.co.ukfor details.

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