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If you think that businesses are only competing against each other in terms of sales, performance and marketing, then you are definitely missing some other factors. Businesses are also competing against each other for the brightest, hard working and best skilled workers. These workers are what make up a company. Without them, a business would surely go down the drain.

To lure skilled workers, small businesses offer tons of benefits that range from high salary compensation, transportation allowance, food allowance and health insurance. The greater the compensation and the benefits, the more likely workers want to be hired.

Small businesses provide health insurance plans for their workers. This insurance plan give the workers a peace of mind knowing that they are free from spending high fees for medical check-ups in case of illness. If you are a permanent employee with a health insurance plan, then you don t have to worry about paying doctor s, medical or hospitalization fees. The insurance pl (more...)

The house insurance product has two variations and the cost of the policy is dependent on the options that you choose.

This is where we split up into standard cover and accidental damage (or all risks). If you purchase standard cover, you have to compare anything that you d like to claim for with the list of peril s against which you are insured. If you can t match the cause of the loss to one of the listed perils, you have no valid claim on that policy. The onus of proof is on your shoulders. That means it is you that has to provide proof to the insurance company that the cause of loss is covered.

If you have accidental damage cover, you effectively have an all risks type of cover. With this type of policy you are covered for any and every possible type of loss, apart from those listed in the policy exclusions. With this type of product The onus of proof rests with your insurance company. In this case that it is up to them to prove that you are not insured against that risk.

S (more...)