What Includes Business Owner's Policy Package

Business Owner's Policy (BOP) is an insurance package that combines the basic coverages required by a business owners in one bundle. It is sold at a premium which is less than the total cost of the individual coverages. Business Owner's Policies usually used by the small and medium-sized businesses typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.

Business Owner's Policy is the insurance package that combines the basic coverages required by the business owner for insuring his business. Later if he finds any other additional risks that is needed to cover, then he can add optional coverages to meet specific needs of the business. The Business Owner's Policy include:

• Property insurance which covers buildings and assets owned by the company. It provides insurance coverage for physical structure and its contents, including stock or inventory, business equipment, furniture and computers.
• Business interruption insurance covers the loss of income that disrupts the operation of the business due to the occurrence of a fire accident or other natural disaster.
• Liability insurance covers the harm that is caused to others for providing your company's products or services. This harm can be a bodily injury due to the usage of your company's defective products or it can be a property damage due to faulty installations and errors in services provided by your business.

So, protect your business reputation and the future of your career by investing in a specialized Business Owner's Policy package. Once you buy, you will have peace of mind and increased protection.

Know How to Install a Patio Heater

Patio heaters serve well to ensure warmth outdoors in winters. They can be placed in your terrace, garden, patio or other outdoor area of a hotel or restaurant. However, they can also be used for indoor home heating. You have a wide range of choices for a patio heater. One important thing to be considered about a patio heater is its installation. An improper installation can pose many hazards and damages. So, it's better to know how to install a patio heater when planning to purchase one for your home or hotel.

• Choosing a right place is the first thing you need to do to install a patio heater. Prefer a flat surface that bears the weight of the heater to ensure that it does not tilt and fall down. When choosing a hanging patio heater, measure the space properly. It should be hanged at a moderate height and make sure that they are not at head-height
• Certain heaters may be associated with potential fire hazard. Hence, you need to ensure that it is installed in a safe place away from combustibles including bushes, climbing ivy or plastic piping. Specific building codes which allow you to place a patio heater in your garden, should also be followed. So, make necessary changes accordingly to follow them.
  
• Clear the area you wish to install the heater. Do not keep the heater in a space which does not have a covering as the heat may get lost.
• Drill holes for the hanging patio heater and screw the heater into them properly. Use plastic anchors in the wall to hold the screws more securely and prevent the heater from falling.
• Consider the requirements of power supply. Ensure that the lines for electricity or gas are far away from the top of the heater. Maintain proper insulation elements to avoid risks of a leak, or a shock or fire hazard.

Consider these points when installing a patio heater. Carefully follow the instructions and maintain safety precautions to ensure a safe operation of the heater.

Purchasing Air Purifier for a Beauty Salon

In beauty salons, the owners and the workers/beauticians spend more time than the customers. Beauticians use different types of chemicals for styling or dying the hair. This results in the release of pollutants and the secondhand smoke, degrading the entire air quality. This poses severe health problems to the people present in the salon. It causes allergies, asthma and other respiratory problems. Hence, it is very much required to install an air purifier in a salon.
Installation of air purifiers is a wise decision but it requires the right selection of suitable air purifier for salons. Choose the air purifier which has the below mentioned important features.

HEPA air purifiers: HEPA systems are strategically strong at air purification. These systems are efficient ones which prevent pollutants to the extent of 99.97% to improve the quality of the air.
Targeted chemical removal and smoke removal: The main objective of installing air purifiers is to prevent the chemicals from the surfaces. Keep in mind to select the most suitable system which removes chemicals from surfaces. Similarly systems need to have more capacity in preventing the secondhand smoke into the surfaces.
Right system for space (Portable): Select the system which is suitable to your work space. Select the capable one which maintains surface with quality air. Prefer the portable systems which is suitable for closer spaces.
Continuous running system: Give the priority to more capable system which work for longer times. Select the system which works for 24 hours without the break.
Easy maintenance: Choose the system which requires low maintenance, these systems require low risk at maintenance.
These are the important features to be looked for while selecting the air purifiers at salons.

Know About Antiviral Essential Oils

Essential oils have many properties which include anti fungal, anti bacterial and anti viral properties. Since they possess these kinds of qualities they are found effective in the aromatherapy treatments. Talking about the anti viral qualities, many plant families have showed these properties. They exhibit different degrees of effectiveness depending on the virus strain. Particular molecular structure is present in each oil which varies in the penetration levels of that oil in to the skin.

Antiviral essential oils were proved effective against the super bacteria which are immune to antibiotics. The majority of the aromatherapy oils are antiseptic and effective bactericides, which means that they inhibit the growth of the bacteria. Few oils which have the above properties include Lavender, bergamot, lemon, niaouli, rosemary, tea tree and ravensara.

Following are few types of viruses on which these antiviral essential-oils are proved effective.

1. Cold Sores: Essential oils are highly effective at stopping an outbreak before it becomes overwhelming. Few of the essential-oils fight against this virus. They are the Melissa or lemon balm, peppermint oil, spearmint oil, and so on.
2. Respiratory Infections: Some typical respiratory problems can also be treated effectively using these essential oils. Eucalyptus and Ravensara have been used extensively for these problems. Apart from recohttp://www.blogger.com/img/blank.gifvering the patient from the so called respiratory infection, these oils also help in speeding up the healing process.
3. Hepatitis: Hepatitis when discovered in earlier stages can be effectively cured using aromatherapy. Since it is a disease caused due to the viral infection of the liver, anti viral essential oils are more useful. In general peppermint, basil and rosemary are used for curing this.

All the treatments whether minor or major are treated only after the detailed examination of the problem and the degree of infection. Different blends of oils in various proportions are used depending on the degree of infection . So every oil should be used only with experts advise.

Vitamin B Complex – An Essential Vitamin Supplement

Nutritional requirements including vitamins, minerals and other essential compounds should be included in your diet to ensure good functioning of the body. However, if you do not take the vitamin rich diet, you need to face various kinds of diseases and health issues. Though required in small amounts, vitamin B is very much necessary and in order to avoid their deficiency or to ascertain adequate amounts, vitamin B complex is taken as an essential supplement.

Vitamin B complex is a vitamin supplement containing different types of vitamin B including thiamine (vitamin B1), riboflavin (vitamin B2), niacin (vitamin B3), pantothenic acid (vitamin B5), pyridoxine (vitamin B6), biotin (vitamin B7), folic acid (vitamin B9) and cobalamin (vitamin B12). Each of the vitamin has a specific complex structure and participates in various activities that in turn help in normal body functions. For instance, vitamins B1, B2, B3 and biotin help in energy production. Folic acid and cobalamin are essential for cell division and production of red blood cells respectively. Vitamin B6 involves in metabolism of amino acids which are the basic building blocks of proteins.

Your diet should include each and every type of vitamin B in order to ensure their own functions in a right way. However, in stead of taking them individually, it is better to take vitamin B complex supplements which include all the types of vitamin B. Vitamin B complex supplements are found as liquid supplements and also as pills. Pregnant women, weak individuals and those who are suffering from serious illnesses are recommended to take in the vitamin B complex supplements to ensure good health.

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What Does General Liability Insurance Coverage Include?

General liability insurance is an insurance policy that covers claims arising from an insured's liability due to bodily injury, property damage, fire explosion, legal defense, medical payments, product liability, advertising injury, etc.

General liability insurance coverage compensates for:

• Property Damage such as
• Physical damage to the property
• Loss of property
• Infringement of intellectual property.

It is important to note that property coverage often does not cover damage that is caused to the client's property you are working on or have in your possession.

In case of Bodily Injury, the general liability insurance would pay for:

• Medical costs
• Loss of proper service
• Even for deaths that resulted from the injury.

In case of Fire Explosion, your property insurance covers damage that is caused to your property as a result of fire, lightning or explosion. But general liability insurance provides coverage for the damages that is caused to other company's property as a result of negligence on your part. Let us say a fire in your office situated in the building’s second floor causes damage to another company’s offices below, then your general liability policy will pay for the damage to the downstairs office space.

General liability insurance provides medical payments for a person injured at your business, within a year of accident. It covers legal defenses, product liability, and also advertising injuries that can arise from:

• Infringing on others intellectual property like business titles, copy rights, etc.
• Publishing, writing false information that destroys a person or organization's reputation.
• Copying others advertising concepts, etc.

But general liability insurance does not cover employee injury and professional mistakes. It is required to get separate covers like worker's compensation policy and professional indemnity policy to cover the damages.