Monthly Archive December 31, 2021

How To Qualify for Life Insurance

Life insurance can feel intimidating for many people, to the point that they put off obtaining it for their families. Don’t let your questions or fear of not qualifying for coverage keep you from finding a plan that meets your needs. You will be surprised to discover that life insurance requirements are often simple to understand and easy to complete.

Qualifications

Each company and policy for life insurance can vary, but fulfilling the requests of the insurance entity will be fairly simple. Expect agencies to need your age, weight, a brief medical history, occupation, medications, drug and alcohol use, and financial information to process a life insurance policy. Sometimes you may have to go a step further and complete a physical exam as laid out by the company. 

Additional Requests

After providing information to the initial requests, you may be asked to provide further detail or more in-depth physical exams to complete your policy. Don’t be intimidated by any extra information that might be needed. The company uses this information to help get the best premium rates for your plan. If you want to make sure you have a premium rate you can afford, consider asking your life insurance agent if there are changes you can make to your lifestyle to get the policy your family needs.

Answering health-related questions can feel vulnerable and tedious, but it’s worth your time and effort. Having quality life insurance coverage will protect the ones you love the most if something were to happen to you.

Top 3 Dangers Facing Professional Painters

Professional painters face a myriad of obstacles when meticulously applying paint to give your house that new-home sparkle. Whether they are due to utilizing scaffolding, ladders, paint sprayers, brushes or even the constant bending, lifting and reaching, professional painter hazards are numerous but can be minimized with astute observation and careful planning on the job site.

1. Falls

It’s no wonder falls are one of the biggest hazards for painters. In a 2014 study, the Bureau of Labor Statistics reported 3,470 falls among residential construction workers, including slips and trips that led to injury and/or missed workdays. Whether negotiating ladders, scaffolding or tight spaces, one careless foot placement or piece of shaky equipment could end in catastrophe. 

2. Fumes

Professional painters are at risk of lung and upper respiratory damage and even cancer from working without proper ventilation or utilizing appropriate personal protective equipment. Fumes are particularly worrisome when spraying paint indoors due to the fine particulate matter from most paint sprayers.

3. Fatigue

Being tired at the end of the workday is common for most people. However, professional painters must continue to remain vigilant with safety precautions in order to avoid accidents. In addition, fatigue over time in performing repetitive tasks with poor body ergonomics may cause more chronic overuse conditions in the shoulders and lower back, leading to increased risk of injury and pain.

Although working as a professional painter has significant safety hazards, a large portion of these risks can be mitigated through careful attention and effort to create a safe work environment. 

Protecting Your Projects From Start to Finish

Builders and construction companies know that their clients, big and small, rely on them to manage and deliver projects from the award of bid to owner acceptance at completion. Many people understand that project scope, budget, schedule, safety and quality are generally the major benchmarks when it comes to assessing progress. As the contractor or construction manager, you’re responsible for the project’s success and there are plenty of tools and best practices for managing the aforementioned benchmarks. Are you covered if something happens to your project or the equipment during construction?

What is Builders Risk Insurance?

When you’re working on a project, the contractor assumes ownership of the project until it’s complete in accordance with the mutually agreed upon contract. A builders risk policy offers these benefits to your business:

  • Protects buildings and other facilities from damages due to fire, smoke, explosions and specific weather events
  • Covers theft or vandalism of equipment and materials
  • Can be extended to cover project delays and schedule extensions

You own the project until it’s complete, so having this plan in place helps lower your risks involving the unknown and external forces. Some clients require their contractors to have this policy in place before starting the work.

What It Isn’t

Builders risk insurance should not be confused with general liability, professional liability or workers’ compensation. Respectively, those plans impact third-party injuries or property damage, negligence or defects in work product and injuries or illnesses experienced by workers while on the job. Find an insurer who can help you put together a complete plan.

What Hotels Can Start Doing To Increase Guest Satisfaction Levels

Has your hotel been searching for top hotel guest satisfaction tips? Keeping your guests happy is one of the best ways to help ensure repeat business, so it’s important to make necessary changes that can improve satisfaction rates. Here are some top ideas you could potentially implement straightaway.

Offer Guests Exclusive Perks and Start a Loyalty Program

One simple way to boost guest satisfaction is to offer key perks for loyal customers. Having a loyalty program can encourage repeat business while sweetening the pot for your customers. You may wish to:

  • Provide small perks that add up based on the number of times guests stay at your hotel
  • Offer discounts at the hotel restaurant or bar for loyal guests
  • Allow guests to personalize their experience by offering special room upgrades

Make Your Hotel’s Website Easy To Navigate

If you don’t already have an easy-to-navigate website, you could be unintentionally leaving your customers frustrated before, during or after each visit. Make sure to:

  • Make online booking or cancellations simple
  • Provide other services, such as room service, through an online portal
  • Allow guests to chat with hotel staff and get important questions answered
  • Keep information about your hotel as up-to-date as possible

If your hotel has experienced lower-than-ideal rates of guest satisfaction lately, these hotel guest satisfaction tips could help get you back on the right track. Consider offering perks, starting a loyalty program and improving your website to get started.