The dangers of using an unrated insurer

Taking out insurance gives you peace of mind that you are protected; however, what happens if you use an unrated insurer and what risks does this pose?

Insurance rating explained

With so many different insurance companies from which to choose, how do you know which to pick? Analysing the insurer rating is one reliable option. Insurers allow companies to assess them with a rating, which looks at factors such as the insurer’s financial risk, liquidity, capital and earnings, management, and competitive position. This can reveal how financially credible and stable the company is.

The perils of an unrated insurer
If you use an unrated insurer, it is much harder to have a clear and reliable understanding of how financially stable or credible the company is. You also run the risk that it could collapse further down the line, leaving you without any cover. Is it worth taking such a big gamble? If you are looking for insurance, such as motor trade insurance, you will inevitably be searching

for the best deal possible. One thing to bear in mind if you choose an unrated insurer is that it has the ability to offer cheap premiums to brokers.

According to Insurance Times, using unrated firms could be in breach of a broker’s duty of care.By placing business with insurers that do not have financial ratings, a broker could be unwittingly exposing itself to potentially hefty legal claims.

With this in mind, choosing an insurer that offers the best price might not always be the most sensible option. You might save money at the offset; however, if the firm goes bust, you could end up significantly out of pocket. This is why you should always use a reputable broker such as Quote Me Today.

If you own a fleet of vehicles for business purposes, using an unrated insurer could even put your operation at risk if anything goes wrong with the insurance company. At the very least, you will have to obtain a new policy; what’s more, not having cover in place would mean your fleet of vehicles is out of action until the insurance situation is rectified.

It is always worth doing your homework before choosing an insurer to find out whether it has a rating in place, especially if it offers what appears to be a really good deal.

Watching your own little vegetables growing in your garden

There is nothing more satisfying than looking out into your garden over to a little raised bed area and seeing theseeds and plug plants that you have loving placed into the compost starting to grow. Freshly picked vegetables andfruits always seem to have a better taste than the ones that you can pick up in the supermarket. Even if you have thesmallest of gardens or perhaps just a balcony outside your apartment you can grow a whole variety of different vegetables.

Freshly grown vegetables are becoming a staple in many households and there are also many restaurants that areeither working closely with local farmers or have their own vegetable gardens to supply them with the best seasonal vegetables all year round. You can often see the results of their harvesting in the Saladette Counter, like the ones that you can see at fridgefreezerdirect.co.uk/commercial-refrigeration-brands/i-l/interlevin/interlevin-esa900-refrigerated-saladette-counter
proudly displayed for all to see.

If you are looking for some ideas on what to grow take a look at some suggestions below:

.Leafy vegetables – These types of vegetables are incredibly easy to grow in a variety of containers from largeraised beds through to troughs and containers. They require a small depth of soil, although depending on
the variety that you are choosing, they can take up quite a bit of space when they start to spread out theirleaves. There are some great options if you are looking for pick and come again types which mean that you can simply take out the few leaves that you want to use, and the plant will continue to grow new leaves. The only growing concern with leafy vegetables is that they really don’t like to have soggy roots so if you have clay-based soil you will get a better harvest if you use containers filled with good quality compost.

.Root vegetables – again these are fairly easy to grow and lend themselves to larger troughs and containers very well. This is due to the fact that you can buy specialist varieties that won’t grow too long and they even the standard varieties will only grow to the space that they have available to them under the ground. The root vegetables that you can grow include carrots, parsnips, radishes and beetroot.

.Tomatoes – it is best to grow tomatoes in specialist, nutrient rich soil and to ensure that you regularly feed them with a bespoke plant food. Other than their soil requirements tomatoes can be grown in containers such as pots and in hanging baskets and you can pick the varieties that suit you best, whether this may be a small cherry tomato variety or a larger beef tomato option.

What Do Industrial Employees Want from Technology at Work?

When the technology used at home seems far more advanced than that of the workplace, it cancause frustration among your employees. While having a high-tech workplace may seemobvious for a start-up, it may be less so for an industrial employer. Yet employees are expectingtheir workplace technology to match what they use at home.

Supporting Employees
A study by The Workforce Institute at Kronos Incorporated found that almost half of employees wished their workplace tech was as advanced as their personal kind. This is not just beneficial to the employees but to the company as a whole because investment in the right technology will increase productivity levels and prevent wasted time.
In fact, over 30% of industrial employees felt that outdated technology made their work more difficult. If you ran an industrial workplace, such as a spiral duct manufacturer, then ensuring your workplace technology is up to date will help increase staff morale and make you more attractive to a younger workforce, who are less tolerant of poor workplace technology.

To further illustrate the point, if your business needs field service workers, they report that it is easier to use personal assistant apps than reporting directly to a person in the head office. Apps that allow them to perform their jobs more efficiently will mean they can complete more jobs and ultimately provide a better service for the customer.

User-Friendly Technology
It is not enough to ensure that your technology is cutting-edge – it needs to be user-friendly too.Your staff are used to using apps in every facet of their life so have pre-existing expectations of how their workplace technology should work.

It may not seem obvious at first in a company that makes, for instance, dust spares andproduces spiral duct products, but the proper implementation of technology can make forhappier employees and a more productive workforce.

Equally,workplace technology does not stop at what has been implemented by the business.Employees are now likely to expect to bring devices to work to enable them to have a betterwork-life balance. Being able to support this will be seen as a positive for your staff.

Those who adopt this technology will have a clear advantage in recruiting and retaining the best talent.

The glue that holds a family together.

Families take on all shapes and sizes. It’s quite amazing how we actually manage to make it all work, especially when you consider the sayings that you can’t choose your relations or that Friends are Gods apology for relations. Some people consider their Friends their family anyway. What makes us call our Aunty Joan every Friday? What impels us to feign interest about what our cousin Sharon is doing in the Falkland Islands and what is it that possess our brains and mouth to utter the words “Of course your Mother can come to ours for Christmas Dinner, that will be lovely”.

Love is generally thought of as being the main reason or even the only reason for such things to happen. In fact, it might surprise you to find out that some people actually look forward to family gatherings so that they can all bask in the glow of the glue that holds families together. Now this glue is more a metaphor and not literally like the best metal bonding adhesive that you can find.
Families that stick together like a love-based metal bonding adhesive can often be seen embracing one another and they also high five each other when they’ve done something relatively worthwhile. Perhaps it’s a competition or something. Families don’t have to be this big extended thing where you know all your cousins, second cousins and even a maiden Aunt or two (I knew someone who had the ultimate in those, she was a Nun).


It is all a bit Disney to expect that love is the only glue. The glue is probably more of a blend with respect and compromise added to the love element. In fact, the respect part is hard to come by so for the most part it’s just the compromise bit. There is also the fact that with compromise comes negotiation and reward. You know that you’re going to be owed big after agreeing to entertaining the Mother in Law for Christmas.
Families often seem to pull together in times of adversity or sadness, and this is one of the beautiful parts of being a member of a loving family, even if you don’t see one another very often. Families, their make-up and emotional ties have been studied b psychologists for many years and there is still so much that we don’t really understand.

Smart Ideas: SEO Revisited

Benefits of a Dental SEO Service

For any dental clinic to have productive results, it is good to partner with a SEO service company. Many dentists who have good and grown clinics have adapted to the digital marketing strategy known as dental SEO which attracts more patients in your clinic. The strategy is a data driven program that increases visibility and also reach of your clinic online. There are various types of SEO which include the following; Continuous KPI monitoring, publishing local targeted content, on page optimization and many more. All dentists want their clinic to have the highest number of patients so make sure you hire a good dental SEO company. The internet will help you get the best SEO company or seeking advice from friends. Most dentists are always not sure whether investing in SEO is worth it all but after looking at the benefits of SEO you will know why it is recommendable for you as a dentist to hire a SEO company. This article discusses some of the benefits of hiring a SEO company.

Hiring a dental SEO company helps you improve the ranking in your website in the search engines. Most people when searching in the search engines just look at the first page and in fact majority look at the top three. The good thing about SEO services is that they ensure your clinic appears among the top on the search engines. When your clinic appears on top of the search engines then there is increased traffic in your website. You get very many new clients when your website gets a lot of traffic.

Hiring a SEO service company helps you in such that your clinic gets discoverability. With the increased competition of dental services in the whole world, it is not a strange thing to find out that your clinic is not even known in your own home town. Your clinic will more discoverable in the competitive market if you hire a good dental SEO company. If your SEO company helps you bring the clinic website in the top list of the search engines it increases the number of patients in your clinic.

There is increased credibility in clinics that have partnered with a dental SEO company compared to those who are not partnered with any. Being on top of the search engines helps your clinic because the high ratings and reviews attract more patients and they gain trust in your clinic thus visiting the clinic. When your clients trust in you they come in large numbers and this helps you attain your goal of success.

Figuring Out Agencies

Lessons Learned from Years with Experts