Business Interruption Insurance – Things Every Business Needs To Know

In this article, we will discuss about the importance of business interruption insurance and why every business should be prepared for the unpredicted.

Business interruption insurance should be a crucial part of every business owner’s plan. Business interruption insurance acts as a supporting system for your business when it is closed down due to unexpected events such as natural disasters, accidents or any unforeseen risks.

Business interruption insurance provides sufficient coverage when your business is not in action and will help you pay the ongoing expenses. In this way, you will get some time in rebuilding your business. Small businesses who do not purchase this insurance would suffer closure soon because the expenditure for revival is beyond their financial capacity.

Can be an add-on to any policy:
This insurance is generally not sold as a separate policy; you need to buy it in addition to your existing liability insurance or any other insurance policy. It comes as a rider, or additional benefit with others like property insurance. This add-on policy to your excising policy will help you have liquid cash in hand, even when your business is not operating.

Coverage offered by the policy:
If your business is unable to function as a result of damages to the business premises and loss of revenue, this insurance would be helpful. Further, there can be interruptions because of a general economic downturn. In all the cases, as there is no transaction, there is loss to the business. However, you have to bear the essential cost. Under these situations, business interruption insurance will cover your business continuity operation expenses like the electricity bills, staff wages and rent, repairs of damaged equipment, etc.

Every business should consider business interruption insurance:
Whether, it is small or a large business, it is very much essential for every business to be covered under business interruption insurance for a secured and risk-free business. In business, losses are not predictable. During these difficult situations, this coverage will help you in rebuilding your business premises and also your self-confidence.

It is advised to buy this insurance through an insurance brokerage firm for better deals. But selecting an insurance brokerage or insurance adviser for your business may, however, be tedious, but you need to figure out the best brokerage firm that can offer you better deals. You can do this by researching on the Internet.

And before buying business interruption insurance policy, you need to discuss with the brokerage firm the things that are included and excluded in your policy. Choose a brokerage firm that will offer most of the things at a minimal cost compared to other brokerages and that promises to protect your business at times of adversity.

Shining Future Economics Assignment Help

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The topics such as imperialism, Italian revolution, class conflict, labor etc which are the major concern of history actually takes in to consideration economics because all the major events that had taken place in history has or the other economic factor behind it. Thus even history needs to be understood well only when it is studied in the light of economics.

There is other subject like arithmetic, psychology etc which equally depends on this subject for better understanding. An Economics Homework Help/ Assignment Help explains the relationship in a clear and lucid manner apart from writing the assignments for students. Thus, students can seek help from this service in the event that they ever feel the necessity of any kind of assistance.

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Raffles Equity Research Team Covering the ASEAN Corporate Bond Sector

Bangalore, June 21, 2011 Raffles Equity announces the appointment of three new research and credit analysts to cover the ASEAN Corporate Bond sector as an adjunct to the Equities Department. The new analyst team members will be based in Bangalore, India and will join Raffles in the summer. These new team members join Raffles highly ranked Equity Research Team of Dr. James W. Arnold, CFA, and Director, who leads our corporate equities and stock coverage. Dr. Arnold, Head of Equity Research, said: -Raffles Equity Research, Inc. has an outstanding reputation in providing thoughtful analysis on this ASEAN Stock Companies sector. The quality of our research has been recognized by our consistent high rankings in various industry surveys. We are therefore delighted to be welcoming these new members to our team – all of whom enjoy a great reputation within the corporate credit and corporate bond industry. Their expertise will extend our coverage of ASEAN stock companies beyond just the equity side to now recommending excellent portfolio positions on the debt side of the equation. We see an immediate need to extend our knowledge and coverage of the equity side to credit and debt evaluations for our customers in assisting them in managing Balanced Portfolios of both corporate stocks and corporate bonds. These additions to our team provide further depth in research and we look forward to sharing our combined expertise for the benefit of our institutional clients.- Carla de Marcos will be joining Raffles Equity as a Section Director. She will be working alongside Jonathan Portagio, Assistant Section Director and will share coverage of the ASEAN banks and large conglomerates sector. Both Carla and Jonathan have a combined 23 years experience in the Banking and Industrial sectors, having previously covered Asian, South American and Eastern European Corporate Debt for several prominent Wall Street and European investment banking firms. Philippe Tonier will join Raffles as a Vice President from J. Arthur Donnelly Company. He will join Carla and Jonathan and will be focusing on the highest credit worthy corporates listed on the ASEAN Bourses. Philippe has ten years experience in Credit Financials and Corporate Bond Ratings both on the buy and sell-side. -These coverage additions in Corporate Bonds signals Raffles strong view of the emerging importance of ASEAN Corporate Bonds as investment mediums in an expanding universe of portfolio selection criteria for both income as well as balance funds. It highlights our immediate desire to leverage the information we have gained analyzing the financial prospects of ASEAN Corporations -, emphasized Dr. Arnold.

How To Become A Certified Financial Divorce Specialist

If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.