Small Business Insurance

The word ‘small business insurance’ covers a wide scope of products that are needed by various small businesses. The type and amount of small business insurance you get is based on your personal situation, just like with your car or home. With that said, every small business requires insurance to cover against losses, although those losses can fall into a variety of categories. For example, if you employ small amounts of personnel, you would want small business insurance to protect them from personal injury, etc. Overall, it could be said that small business insurance can be a great way to mitigate risk and protect your assets in the long run.
A lot of small businesses in the United Kingdom would highly benefit from small business insurance in the sense that tradesman and other professionals can easily be covered against claims for negligence caused from giving incorrect advice or making a mistake in their professional work. Designed for sole traders and businesses with up to 50 people, small business insurance can be tailored to your type of business quickly and easily online. It’s your business insurance. Packages like public liability, legal expenses insurance, professional indemnity and contractors small business insurance exist for the sole purpose to protect the many growing interests in your small business world.
As important as it is to shop for small business insurance, there are equally some very key things to watch out for. One thing that you should consider is how much the insurance company will pay out if various things happen, and then must balance the cost of the insurance against the size and possibility of your losses. Also, you need to always read very careful the insurance company’s terms and conditions when selecting the best small business insurance offline, and online. Certain aspects of the coverage deserve special attention. Examining closely all of the conditions listed on the website signifies making an informed selection and being happy with the results that you are given. Consider if you are offered discounts – even if a discount is not listed anywhere on the company’s website, you should inquire specifically about it. Why pay more than you really need to for small business insurance? Don’t let a company price gouge you – find out their small business insurance rates first.
Finally, before you agree to purchase the policy, you should examine the reputation of the small business insurance company that you are interested in. This is one of Internet’s advantages that you must make use of; if buying offline and in person, then you should ask about testimonials and their customer satisfaction rating around the United Kingdom and bordering countries if they provide coverage there.
Overall, small business insurance is a must-have for the sole protection of your assets, employees and investments. Although many go uninsured, or underinsured, many more are buying small business insurance these days – and are exercising more cautions with all of the fraudulent companies and scam artists on the rise.

Factory and Warehouse Insurance

Factories are at the base of all of our heritages. From the birth of the car to mass production of androids, toys to wood products, we all have roots in the factory system, and in today’s workforce, none of it would be made possible without a proper factory and warehouse insurance policy in place to protect the robotic equipment and machines, and the hard working employees who handle all of the packing and shipping.
From forklifts to cranes, a policy of this magnitude covers every piece of equipment down to a micrometer. And coupled with other ‘rider’ policies such as employment liability insurance and public liability insurance, factories can take solace in knowing that production can take place, outputs can increase, and a perfect factory and warehouse insurance policy is in place to protect all assets and persons.
Every single factory around the world potentially has the demand for such a policy and, in fact, it is mandatory to have a factory and warehouse insurance policy in place before a lot of companies are allowed to turn on the first machine. This is in place due to the fact that so many injuries and equipment malfunctions are prevalent in the factory and warehouse sector. So, if you have company vehicles that are not for hire, and used for delivery, you can insure them under the factory and warehouse insurance policy and cover the people inside them, too. Getting injured and losing income because a forklift tipped over and crushed you is definitely not good, and from an employer’s perspective, could be a crushing legal blow if that situation occurred while the company was under- or uninsured.
If a plane flew into your storage facility, it would damage all of your package goods and, with a policy in place, would immediately be covered along with the building it damaged. Also, those who operate a mini warehouse where people rent space would have great use for this policy as well, especially if damage came to a person’s stored goods.
To obtain a factory and warehouse insurance policy, you should make sure to avoid forgetting to list items from your warehouse or factory to be covered and the approximate replacement costs of the items contained within the buildings. Different rates will probably apply towards different types of stock, so it’s important that a full disclosure is made of the items stored to obtain the cheapest and correct price possible for you policy.
Avoid companies who won’t cover the loss of income that would occur in the case of a warehouse disaster. Make certain that the factory has the correct number of exits and evacuation routes as failing to do so could cost your policy to increase, if a company will insure you at all. Finally, as with all companies, you should only deal with insurance companies that are reputable, have customer service available when you need them, and won’t overcharge you to pay with various methods.
Factory and warehouse companies are some of the most hard working and beneficial entities out today. Let us keep our worldwide tradition alive and keep factories moving forward with the proper care only a factory and warehouse insurance policy can bring you and your business.

8 Keys to Picking the Best Individual Health Insurance Policy

Choosing the right health insurance coverage is hard enough with employer plans, but at least questions can be addressed to somebody on staff who knows more than you do and won’t steer you to the most expensive plan. When you shop for coverage on your own, the choices are far more complicated. Most employers only offer one or two health plans as options. On the individual insurance market, you’re likely to face dozens. And you’re on your own.

Grappling with the details of so many different individual policies can lead to a strong urge to pick the next one that sounds halfway reasonable. But halfway isn’t good enough. Hang in there, keeping the following eight basics in mind to help cut through the fog of numbers and unfamiliar terms:
1. Your “must-haves.” You can’t foresee a sudden injury or illness, but you can anticipate some medical needs. Not all policies provide maternity coverage, for example, but it’s an obvious must-have if you’re starting a family.
2. The cost of the basics. Just as it doesn’t make sense to want a luxury car with a monthly payment you can’t afford, there’s not much point in thinking about a Cadillac insurance policy with a high monthly premium if your budget can’t handle it. It would be more practical, if you’re relatively young and healthy, to choose a policy with a high deductible—the total you must pay out of pocket, usually over $1,000 dollars, before benefits kick in. Your basic expenses also should take copays (the fixed fee for an office visit or medical test) and coinsurance (your share of the cost of prescriptions or hospitalizations) into account.
3. Provider networks. If you have a primary care physician and favorite specialists you like, be sure they participate in the plan’s network. Policies generally cover a lower share of the cost of out-of-network care—or not cover it at all.
4. Out-of-pocket maximums. With some plans, there is no limit on the amount you have to pay out of pocket over the year, no matter how high. Steer clear of plans without an annual cap. Even with such a ceiling, expenses will be covered only if the insurer considers them medically necessary. And with many plans, you may have to continue to make copayments.
5. Prescriptions. Any prescribed drugs you take regularly should be covered. The plan’s list of medications (the “formulary”) will show you.
6. Annual limits on coverage and services. Thanks to health reform, annual dollar limits on coverage will disappear by 2014, but for now, any individual policy you buy cannot have a limit lower than $750,000. Above that amount, you pay the full cost of care once coverage has been exhausted. There could be separate caps on specific benefits such as prescriptions, rehabilitation services, and doctor visits.
7. Dependents. If you have children under age 26 who don’t have health insurance from an employer, the law permits them to be on your insurance. Policies also can no longer exclude kids under age 19 from coverage because of pre-existing conditions.
8. Getting help. You can plow through individual health insurance policies available in your part of the state, with no need to supply your name, number, or other personal information, at, launched last summer by the federal government to give consumers a tool for finding and comparing policies. Basic information about buying health insurance also is on the website. If you need a live person to walk you though the messier details, theNational Association of Health Underwriters has names and contact information for licensed local agents and brokers.

30 Extremely Helpful WordPress Cheatsheets

Cheatsheet is a handy way to keep all code snippets and function practical and are extremely helpful for the web developers and designers. Cheatsheet is an easy way to maintain all the codes in an easy way, although there are not many codes to remember in WordPress but rather than remembering all the codes by heart, it is always a good idea to have a cheatsheet in place.
Here we are sharing 30 tremendously useful WordPress Cheatsheets that include everything from particular tags to calling function and SEO tags to WordPress checklist theme coding tips and many more. We hope that this post will facilitate your search on the web.

WordPress 3.0 Cheat Sheet

The Web Developer’s SEO Cheat Sheet

The WordPress Help Sheet

WordPress blog maintenance checklist

Cheat Sheet: SEO for WordPress

WordPress Theme Tags Code Snippet Collection

WordPress Theme Generator

WordPress Template Designer CheatSheet

WordPress Cheatsheet by Andy Wibbels

WordPress Architektur

WordPress 3.0 Cheet Sheet

WordPress cheat sheet

WordPress Loop

WordPress 3 Template Hierarchy

WordPress V3.0+Template Tag Reference Guide

WordPress Theme Development Checklist

My WordPress Cheat Sheet

WordPress Help Sheet Wallpaper

WordPress Visual Cheat Sheet

PHP Cheat Sheet (V2)

PHP Application Security Checklist

PHP & MySQL For Dummies

jQuery 1.5 Visual Cheat Sheet

JavaScript Cheat Sheet

Javascript Quick Reference Card

CSS3 Click Chart

HTML 5 Cheatsheet

CSS Help Sheets

Advanced PHP Cheat Sheet

HTML5 Peeks, Pokes and Pointers

Useful jQuery Image Sliders and Galleries Tutorials

Uses of image sliding for website designing are increasing every moment. To customize the sites especially to showcase featured articles and products in the front page, image sliders are just what the designer’s need. Search online and you will get a list of stunning jOuery image sliders and tutorials for creating your own. jQuery has certain highlighted features that are to be highly esteemed. Easy to use, jQuery sliders also provide few easy to download plugins. jQuery image tutorials are professionally designed and with time you can improve your knowledge.

jQuery image tutorials will help you to learn creating beautiful and stunning images for your WebPages. With few lines of codes designers can showcase any image make the page unique. From the jQuery image tutorials, users are supposed to learn the transition. Compatible with more different browsers like internet explorer, Google chrome, Opera, Firefox, Safari the tutorials help you to learn maximum designing at minimum time. jQuery image sliders use CSS that gains it more popularity than any other image slider tutorials. Some of the jQuery image sliders are free to use under MIT license.

However, these are very few among the thousand collections of jQuery image sliders. Different tutorials have something different to offer to expertise the designers in slide showing. Slide show his the most popular way presenting information. jQuery technology has opened a new horizon for the designers, especially who have an urge to deliver a better slide show. Without spending mush, you will get thousand jQuery image sliders. With minimum technical knowledge you can use all the programs. Slide showing is the first thing to learn from the jQuery image sliders, along with navigating a document, develop Ajax applications and select DOM elements.

Steve Jobs, a designer at heart

Steve JobsWe at WDD are deeply saddened by Steve Jobs’ passing… And while the Internet is buzzing with people’s heartfelt emotions about his life’s impact and legacy, we’d also like to pay tribute with this modest homage.

A designer at heart, design was at the core of Steve’s life and that translated to revolutionary and yes we can also say ‘magical’ products. But he says it better: “Design is not just what it looks like and feels like. Design is how it works.”

And we can only imagine how many lives have been influenced by his vision and how deep he reached into all the corners of the world…

In this post, we’ve collected some rare photos of Steve as well as some famous quotes that depict his visions and personality.

Comments are open for you to share how he impacted your career as a designer and as a person, we sure know that he has deeply influenced us! What did you learn from him and how has his legacy impacted you? Where will YOU take his legacy next? Please share your candid thoughts below…

“Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don’t settle.”

“In most people’s vocabularies, design means veneer. It’s interior decorating. It’s the fabric of the curtains and the sofa. But to me, nothing could be further from the meaning of design. Design is the fundamental soul of a man-made creation that ends up expressing itself in successive outer layers of the product or service.”

“Innovation has nothing to do with how many R&D dollars you have. When Apple came up with the Mac, IBM was spending at least 100 times more on R&D. It’s not about money. It’s about the people you have, how you’re led, and how much you get it.”

“We’ve gone through the operating system and looked at everything and asked how can we simplify this and make it more powerful at the same time.”

“It comes from saying no to 1,000 things to make sure we don’t get on the wrong track or try to do too much.”

“It’s better to be a pirate than to join the Navy.”

“Being the richest man in the cemetery doesn’t matter to me … Going to bed at night saying we’ve done something wonderful… that’s what matters to me.”

“Be a yardstick of quality. Some people aren’t used to an environment where excellence is expected.”

“It’s really hard to design products by focus groups. A lot of times, people don’t know what they want until you show it to them.”

“The only problem with Microsoft is they just have no taste. They have absolutely no taste. And I don’t mean that in a small way, I mean that in a big way, in the sense that they don’t think of original ideas, and they don’t bring much culture into their products.”

“People think focus means saying yes to the thing you’ve got to focus on. But that’s not what it means at all. It means saying no to the hundred other good ideas that there are. You have to pick carefully.”

“My job is to not be easy on people. My job is to make them better.”

“Innovation distinguishes between a leader and a follower.”

“Look at the design of a lot of consumer products — they’re really complicated surfaces. We tried to make something much more holistic and simple. When you first start off trying to solve a problem, the first solutions you come up with are very complex, and most people stop there. But if you keep going, and live with the problem and peel more layers of the onion off, you can often times arrive at some very elegant and simple solutions. Most people just don’t put in the time or energy to get there. We believe that customers are smart, and want objects which are well thought through.”

And one more thing…