The Basics of Tradesman Insurance

You may have hired the services of many workers, but you have to believe that gardeners, carpenters and builders are on the list of the most diligent workers. However, the problem for these workers is that they are prone to several risks. For instance, they may lose their tools or they may get involved in an accident while working at a site. Let’s know more about the tradesman insurance.

Tradesman Insurance

As said earlier, tradesmen’s job involves the risk of accidents. An average office worker may not be prone to as many risks as a tradesman. Actually, tradesmen make use of dangerous tools. That is the reason they are more likely to get injured than other people. The majority of tradesmen is usually self-employed. So, replacing a damaged or lost equipment is very hard for them. They may lose a lot of potential income if they don’t get a replacement for their lost or damaged tool. Fortunately, they have a ray of hope in the form of the tradesman insurance. This type of insurance is provided especially for these people.

If you have no idea what this insurance is, you can go ahead and read through this article. Tradesman insurance offers the following coverage:

Public liability coverage

This type of coverage offers coverage against legal expenses that may incur because of the claims of a property damage or injury to a worker.

Personal accident coverage

Personal accident coverage will provide coverage in case of an injured staff member at the workplace.

Damage to someone else’s property

This type of coverage helps you to pay for the expenses that occur when the workers cause damage to the property of a client.

Contractual works

This type of cover insures the construction works of the tradesman, including materials, especially if they get damaged or stolen. Aside from this, it can reimburse the heavy expenses related to extra costs of labor needed in order to rebuild the things that were completed earlier. For instance, this can offer coverage if a storm causes a damage to a building that is being built by a contractor.

Tools and equipment

The tools and equipment insurance offers coverage to the policyholder in case of the costs that occur in case of a repair or theft of a tool or piece of equipment.

Commercial Vehicle Coverage

This type of coverage protects you against the cost of upkeep of a vehicle of van that you use for business. Aside from this, it can cover for the rental cost of a vehicle. You can also buy other optional features or covers. For instance, with efficacy coverage, you can reimburse the litigation expenses if you are held liable for the installation of a faulty security alarm.

You can also buy tax investigation coverage if your business is being investigated for reasons related to tax. It will provide coverage against the loss of income during the investigation.

The Takeaway

So, if you are a tradesman, we suggest that you give a go to the tradesman coverage. Hope this helps.

Have you been looking for the tradesman insurance? If so, we suggest that you check out Compare Tradesman Insurance for quotes.

WhatsApp, iMessage, and Snapchat Attacked Because of Their Encryption

You can not realistically ban encryption. Encryption is used to protect communication through electronic devices; it protects your bank information and online accounts. This is cryptography, it is used in hundreds of systems. We have politicians speaking about banning these technologies. How can this be? British Prime minister David Cameron has raised a red flag on encrypted messaging apps like WhatsApp, iMessage, and Snapchat. He has called for the banning of these apps; implying that they are being used by criminal organizations and terrorists to communicate.

“In our country, do we want to allow a means of communication between people which we cannot read?”, rhetorically said by the Prime Minister

With this sort of logic I am going to go as far as to say; we should leave our houses and cars unlocked; and valuables left unguarded in public spaces because surely it would be much simpler to catch thieves and put them in prison.

Security is not just for what the social norm calls the “good guys”. It is a two way street. I would rather have peace of mind that my data is being protected so well; to the point that Government officials can not tap into it. Think about the various ways this could go wrong. Imagine corrupt politicians with access to data or just consider that lightening up on security measures, will make it easier for the average hacker to gain access.

Computer scientists have spoken out on the futility of weakening encryption; so only Government officials have access.This same weaknesses can be exploited by malicious hackers. This view is held by many computer experts actively in the field.

A few months back a ban was called on WhatsApp in the UK; it has recently been dropped because of mass criticism. But this can of worms has not been closed just yet. This has just pushed the issue to other parts of the world; where they can theoretically gain some traction and spread. India has a ban on certain types of encryption. WhatsApp uses end to end encryption; which is illegal in India. WhatsApp uses a 256bit encryption which is only known by the sender and the receiver. India only allows 40bit encryption if you want to have permission you need to apply through the Government. The Indian Government has asked for the keys to be able to gain access; but WhatsApp creators have said they do not have them. So all user using the latest version of WhatsApp in India are technically breaking the law. No actions have been decided on what to do with the company; they are not based in India making things complicated. Recently Brazilian authorities have been reported to have been reported to be collecting WhatsApp data with the hopes of fighting drug tracking. WhatsApp has been cooperating with law enforcement; but have gone on to say that they cannot provide the full extent of what they want. We are just uncovering what’s on the surface; do some research on what your local Government and even internet service providers are doing; and what data they are doing with this data.

Dealer Bluff Six Card Poker – A Poker Table Game Where the Dealer May Try to Bluff You, Sort of

Dealer Bluff Six Card Poker is a poker variant table game which is distinctive. The dealer makes the first move and players react to what he or she does. Be aware that the dealer could occasionally bluff, but if you have poker tell expertise that won’t help because an electronic card reader that’s programmed to operate randomly, makes all the decisions to bluff, or not to bluff.

How to Play

Players must first make equal ante and blind bets. The dealer gives six cards face down to each and to him or herself. The dealer bets first, with the option to bet 1X, 2X, or 3X the player’s ante. The electronic card reader will then announce the dealer’s wager amount. Typically the dealer bets more with a strong hand and less with a weak hand, but keep in mind that the dealer will occasionally bluff. The objective is to beat the dealer with a better five card poker hand.

After the dealer bets, players have the option to fold (lose the ante and blind wagers) or call (make a play wager equal to the dealer’s), or raise (double the dealer’s bet). the cards are then turned face up to determine the winner(s).

Results

If the dealer has less than a pair, the ante wager is a push. All other bets receive action. If the dealer wins, the player’s ante, play, and blind bets lose. If the player wins, the ante and play bets pay even money. The blind bet pays according to the following table:

Hand Payout

Royal Flush – 500/1

Straight Flush – 50/1

Four of a Kind – 15/1

Full House – 4/1

Flush – 3 /1

Straight – 1.5/1

3/Kind – 1/1

All Other – Push

A tie between the dealer and the player is a push.

Optional Wagers

Aces Up – This optional bet pays the following even if the player loses the hand to the dealer:

Hand Payout

Royal Flush – 200/1

Straight Flush – 50/1

Four of a Kind – 30/1

Full House – 8/1

Flush – 7/1

Straight – 6/1

Three of a Kind – 4/1

Two Pair – 2/1

Pair of Aces – 1/1

Two Way Bad Beat – This option pays the following if the dealer or player has a pair of aces or better and loses. No matter who wins the hand, the player s always a winner if a bad beat occurs, unless there is a tie:

Hand Payout

Straight Flush – 10,000/1

Four of a Kind – 5,000/1

Full House – 500/1

Flush – 200/1

Straight – 100/1

Three of a Kind – 35/1

Two Pair – 10/1

Pair of Aces – 9/1

House Edge and Strategy

The house edge for the initial hand is about 1.7%, optional Aces Up and Bad Beat wagers are about 6.2% and 10.6% respectively.

The recommended strategy from the experts is: If the dealer wagers 1X – fold with a K-J-8 or less, raise with a pair of 3′s or better, call on all other hands. If the dealer raises 2X – fold with a pair of 6′s or lower, raise with a pair of 10′s or better, call on all other hands. If the dealer raises 3X – fold with a pair of 9′s or less, raise with a pair of Kings or better, call on all other hands.

Is Your Hotel Ready for the Millennial Traveler?

Before I continue, let’s first make sure we’re on the same page about who were referring to when we use the expression ‘millennial traveller’.

Millennials, also more commonly referred to as Generation Y or Generation Next, are people who were born between the early 1980s and early 2000s. They make up about 20% of international travellers and it is estimated that by 2020, they will account for more than 320 million international trips.

Phew. Those are some staggering numbers right there! It’s no wonder that hotels are wooing them with everything they have. But for all the effort they’re making, do hotels really have what Millennials want? Do they even know what Millennials are looking for?

If you’re not quite sure, let me drop a few hints your way

Hint No.1: Technology is their life force

Technology is to Millennials what water is to fish – life itself. The perks that most of us consider good to have – Internet, Wi-fi, hi-speed mobile data – are essential to their way of living.

What this means for hotels

According to a report, almost 71% of Millennial travelers considered free Wi-fi an important factor when choosing a hotel. So hotels, pull up your socks and put the technology in place for them. Or they’re likely to walk up to your competitor and book a room with them.

Hint No.2: Millennials love their smartphones

‘Technology at your fingertips’ is an expression that’s taken very seriously by the Millennials. He is likely to go for hours without food and water, but not without checking his smartphone. He works, plays, chats, networks, writes emails, watches videos, and stays up to date on news using his phone. Other more complicated actions like booking tickets, making hotel arrangements, and paying bills can also be competently handled by his handset.

What this means for hotels

It’s absolutely imperative that hotels invest in superior mobile technology, starting with a website that adapts to different screen sizes and resolutions. With more than half of millennial travelers using mobile devices to discover and book hotels, the hospitality industry is paying a heavy price for not investing in a mobile responsive website. You might also want to consider getting an app for your hotel, to facilitate functions like mobile check in, check out, payments, and en-cashing loyalty points.

Hint No.3: Millennials are ‘social’ creatures

Generation Y is often criticized for shirking the forms of social interaction that their parents were fond of. They’re considered aloof, standoffish, and a little bit asocial. But the truth is that Millennials do tend to connect to each other, just not in ways that are familiar to us. The online world, especially social media, takes precedence in their social life. Facebook, Twitter, What’sApp, GChat, and Snapchat is where they hang out, check in, upload pictures, start conversations, and share details of their life.

What this means for hotels

Given that social media is one of the biggest influencing factors in the life of a Millennial, hotels must make a concerted effort to have a presence on various platforms. In fact, they must go beyond the token Facebook and Instagram page and build a community online. Reach out to your audience, engage them, solve their problems, and invite them to leave reviews. An active social media profile inspires confidence among Millennials and is likely to win you brownie points in the long run.

Hint No.4: Millennials place great faith in peer reviews

Generation Y is a suspicious lot and they can recognize a marketing gimmick from a mile away. For this reason, they rely heavily on ‘peer review’ to gather information about a place. Whether they’re buying a new gadget or trying out a restaurant in the neighborhood, you’ll see them pouring over reviews before deciding to do anything. They consider it a more authentic and ‘real’ source of information. And you can be 100 per cent sure that they’ll be reading up about your hotel before deciding to stay there.

What this means for hotels

Do not try to patronize or trick the Millennial traveller. All your online properties (website, blog, social media profiles) should display accurate information, accompanied by up-to-date pictures. If you’re offering a deal or discount, lay out the terms in black and white. Encourage your visitors to leave you a review on platforms like Trip-advisor or your Facebook page; incentivize the process, if you have to. Should you receive a negative review, take steps to address it and resolve the situation.

Millennials don’t expect you to be flawless. However, they do expect you to be transparent and sincere. Mistakes are an inevitable part of your industry and if you’ve taken every possible step to rectify the problem, you will be forgiven. Otherwise, you’ll find yourself at the receiving end of a nasty review posted for the entire world to see.

Hint No.5: Millennials are into Bleisure

Generation Y is relatively unencumbered by responsibilities at home and are more open to taking business trips. However, unlike the previous generation, almost 62% of millennial travelers will extend their business vacation to explore the place and gain cultural experiences.

What this means for hotels

Gone are the days when that solitary desk in the hotel room took care of any ‘business needs’ that travelers had. Millennials do not like working inside their rooms. This is the generation that steps out to a coffee shop to sit with their laptops and work for hours. The concept of the ‘third space’, independent of home and office, has been popularized by them. Design hotel lobbies to cater to this demand, so that when they step out in search for a place to work, they don’t have to go very far.

Hint No.6: Millennials look for authentic experiences

Despite what might look like their preoccupation with the cyber world, Millennials are always looking for unique and meaningful travel experiences. They want their stay personalized and won’t pass up an opportunity to learn something valuable. Not content with hitting the high spots of a tourist destination, they crave interaction with locals and enjoy immersing themselves in a variety of cultural experiences.

What this means for hotels

Reject the cookie cutter approach to the services you offer your guests. Offer them a genuine travel experience, one that is immersive, interactive and hands on. Don’t just take them on a regular sightseeing tour that showcases the city from behind the panes of a bus or car window. Take them to meet local artisans, show them the way to the hip and happening underground bar, and expose them to interesting customs and traditions. That’s the only way to add true value to their life and create an experience they will cherish for life.

There’s no denying that Millennials are driving the hospitality industry with full force. They already account for a third of the hotel guests in the world, and by 2020, the figure is expected to climb to 50 per cent.

To keep pace with growing demands, hotels must show a willingness to evolve and reinvent themselves. They have to put aside traditional methods of functioning, revisit their marketing strategy, and curate unique experiences for Generation Y.

Besides, it is in their best interest that hotels up their game. By updating their offers, hotels stay relevant within the industry and equipped to deal with the demands of changing times. Millennial travelers are the cash cow that every industry dreams of, and by catering to them, hotels are ensuring themselves a solid revenue stream for the next few decades, at least.