General liability is the name of one of the insurances available for your business. It is important to have one because it covers property damage, bodily injury and other claims such as advertising, protecting your budget. If you do not purchase this type of coverage, you will have to pay the costs of the claims with money from your pocket, with personal assets and even with your own business.
Nowadays, the number of business lawsuits increases every day, so you should consider protecting yourself with general liability insurance even if it is not required by law.
What costs are covered by this insurance?
- Bodily injury (people injured on your business property that make a claim against your business for their accident).
- Third party property damage (another property is damaged accidentally by the activity carried by your employees)
- Advertising injury (your advertising practices may be infringing on other business, because of copyright issues)
- Reputation Harm (other businesses may consider that you attacked their reputation if you publicly talk about them in unflattering ways) and they can make a claim of libel and slander against you.
With general liability insurance you can cover costs for legal teams to represent you, evidence costs, witness fees, as well as judgments or settlements.
What is not covered?
This type of insurance does not cover work accidents, occupational diseases, or damage to your business property. For such incidents, you must have workers’ comp and commercial property insurance.
General Liability Insurance is not required by law, but unless you are financially prepared to survive large liability claims, you should purchase it. According to statistics, 25% of small businesses will experience a claim in the next decade and liability claims are the most common. They are also very expensive; for example, Reputation harm claim costs $50,000 on average.
If you are still in doubt about purchasing general liability insurance for your business, here is another good reason to do it: some companies (large companies mostly) may refuse to work with you if you do not carry insurance. That`s because they realize that a liability claim against you may get you out of business if you are not insured, and they prefer having this guarantee that you are able to complete your work.
On the other hand, you should also know that this type of warranty will not protect you if you act irresponsibly, you are professionally negligent, or you mix your business expenses with personal expenses.
General liability insurance is not the same thing with Professional liability insurance
Many people make this confusion, but these two types of insurance are different. We already detailed the concept of general liability insurance; professional liability, on the other hand, covers the costs related to committing errors in the provided services and products, failure to uphold contractor duties, performing incomplete work, making mistakes and omissions, misrepresentation, inaccurate advice as well as violation of good faith. It is also known as Malpractice insurance and is more specific than general liability insurance.
What are the skills that a good recruiter has to master today? These skills become more obvious by contrast, if we look at the evolution of the changes that the recruitment went through in time.
A great head hunter needs to know psychology
At one point, we started talking about job rotation and job enhancement, as solutions to the monotony of a small job that had to be done daily, for a lifetime. Few realized, but that was the moment when individuals began to count in the work equation and were not treated anymore as robots. Their conscious and feelings started to count and could not be neglected anymore. As labor has become less and less enslaving, the recruiter’s mission got a little more complicated. Most of the job announcements contained a phrase like “ability to work under stress conditions”, except that there was no device which could measure how much stress a candidate could tolerate. The recruiter had to learn psychology and make a difference between people, according to their abilities and personality traits. Helping someone look for LICSW jobs MA opportunities, is different than assisting someone else in a search for operations jobs in CA. A great head hunter needs to know industries and locations to help people get the best jobs available.
A great head hunter has to adapt to each generation
At a certain moment, in HR, people started talking about a new concept: job satisfaction. Specialists agreed that people should like what they do because the professional satisfaction of the employees is directly and indirectly involved in labor productivity. The new generations – Millennials and Generation Z – do not compromise on this anymore; they will resign the next day if they don’t like the job. True, they have the advantage of the new technology which allows them to work from anywhere and anytime, in forms that no longer resemble the work of the past generations.
A great head hunter needs to see the value of each candidate
At present, we talk about the commitment of the employees, which is more than satisfaction; we talk about evolution and personal development through work, and we reinterpret the work in completely new, different formulas. Going to work for 8 hours a day, having an awful boss or retiring after doing the same job your entire life are history now.
A great head hunter needs to have knowledge about building an employer brand
Nowadays, a good recruiter has to master three activities perfectly: (1) Sourcing – knowing where to find good job candidates, especially in a deficient market, (2) Attracting Talent – emphasizing the benefits offered by the employer and attracting the right candidates, especially in a competitive market (3) Selection – knowing how to identify the right candidate by looking behind appearances.
Completely new recruitment skills: marketing and sales
It takes talent more than ever, people who can make a difference, who are proactive, have innovative ideas and think differently, because what is important for today’s companies is not to come out with a standard and cheap product, but to come up with disruptive ideas, to reinvent the rules of the game. In this context, good companies are fighting for good employees, but they must know how to attract them. The recruiter’s mission is changing, and it is more difficult and challenging than ever: head hunters still need to know psychology very well, but they must learn some new recruiting skills and competences that were not in the HR field 10 years ago: to become a marketing agent and a salesman at the same time, with solid knowledge of Social Media.
Although the platforms in place work well when it comes to commercial fleet financing, startup businesses might require an update on the importance of this concept and what it can offer you. When you want to get a commercial fleet of vehicles, fleet financing gives you the option to ensure superior quality and avoid the mistake of overspending in an industry where managing your costs and expenses can be crucial to your bottom line.
What Is Commercial Fleet Financing All About?
The financing of a fleet of vehicles is no easy task. You need to make sure that you are covered regarding all the potential problems you might encounter and even those that are not really likely to occur any time soon.
Have you had trouble gathering the capital for your commercial vehicles as of late? Is your business stagnating, or are the debts you’re paying for your commercial vehicles too high? Regardless of what the problem is, a dependable commercial financing company is all that you need to help you:
- Manage your finances better
- Improve your knowledge and ability to make sound decisions on future financing
- Get the most out of the vehicles you aim to buy
- Find and purchase reliable tow trucks, trailers and equipment for your small business at a lower cost
- Avoid long-term debts that numb your business profits, and extend your ROI more than ever for the future.
These are only a few of the benefits that a dependable commercial vehicle financing service can cover. Moreover, many of the best vehicle financing companies will also help you with sound advice and recommendations regarding your financing decisions and what you should know before you invest a lot of money into a fleet of vehicles.
How Can You Enjoy the Best Financing Services on the Market?
Commercial financing can have a lot of undesirable “side effects,” depending on the vehicles you choose. Consider the following scenario: you might start out with a sizable budget, get additional financing to invest in a fleet of vehicles for your transportation service, then end up spending huge amounts of money on repairs and maintenance, since the vehicles you bought offered lower than average value at a higher cost.
You can avoid such issues, if you contact a responsible vehicle financing company. The best experts in your local area can advise you on all the potential benefits and drawbacks of buying a larger array of vehicles.
A few tips to make your experience even better should include the following:
- Ask the company to provide you with financing comparisons, so you can make an informed choice.
- Do a background check to make sure their affairs are transparent and that they offer ideal solutions for all their clients.
- Ask them to recommend truck leasing, auto leasing companies and reliable repair shops that can provide you with quality services at a discount.
If you follow all these recommendations, you’ll have no trouble managing your costs and making sure all your vehicles can provide you with the best quality on the market. So contact your local commercial fleet financing services today for a great offer!
Are you looking to find the best Colorado mortgage lenders? While some experts might urge you to consider larger lenders operating throughout the entire country, small, local lenders might be the best choice for you from many other points of perspective. Basically, if you’re interested in a fast-paced closing process, a flexible set of reliable deals and options, and all the local expertise you’ll ever want, these professionals will be the best people to ask about a Colorado mortgage loan.
- They Are Quicker to Respond and Communicate
The biggest problem with large mortgage lenders who have offices everywhere in the country is that they can be harder to talk to. When you’re looking for fast support and a company that can give you genuine attention, answer all your questions, and be there when you need them, it’s often best to go with a local Colorado mortgage lender.
Most of the best local mortgage lenders will respond to your calls and emails extremely fast, provide you with honest advice, and put their passion and expertise to the task in order to find you the best mortgage on the Colorado market.
- Local Lenders Know a Lot About the Local Market
When you’re looking to tackle the local Colorado market, and find the best mortgage rates, you’ll want to talk to a Colorado mortgage lenders that know all the ins and outs of what happens locally.
Smaller lenders are far more knowledgeable about the local economics, and they have an excellent sense of the lending risks that apply to the specific area you’re in. Unlike larger lenders, they’ll know precisely where properties will maintain or increase their values, or when a borrower with a spotty employment history might have found employment with a growing corporation.
- They Can Offer Specialized Products
In spite of the diversity that they offer, larger lenders usually won’t bother with some types of specialized loans. But what if for something like an adjustable-rate mortgage loan featuring a 15-year lock? Also, in some cases you might be looking to refinance your existing mortgage for less than $100,000.
These are cases that would warrant looking for a reliable local lender. Smaller, local mortgage lenders will offer you a better choice when it comes to dealing with these types of deals, and some of them even have entire compliance departments that can help you out with the terms.
- They Are Much More Flexible
Flexibility is an asset that can’t be found too easily when you’re dealing with larger lenders. Most of them will be great at managing the numbers for a large number of loan applications. However, in doing that they retain a more rigid set of guidelines with regards to the terms of each offer.
Small, local lenders focus on a specific niche, and are able to ensure a greater degree of flexibility within that niche. Unlike large lenders, they also offer insight on non-agency mortgages that banks tend to keep on its own books, rather than sending them through FHA or many of the other well-known residential mortgage lenders within the US.
All sales training sessions include various techniques to help you sell your product/ service. But basically, when you present your product (verbally or in writing), you must, first of all, highlight its features and benefits. Paradoxically, many sales people don’t do so. Why? Because they assume that this basic information is known by the potential customers. Big mistake!
The first thing that you need to know is that successful salesmen do not assume anything.
Keep in mind that no matter how obvious they would seem, you must always present to potential clients the characteristics and the advantages of your product and help them identify the benefits related to buying that particular product.
If we are talking about a market transaction (typically used in marketing campaigns), we have to present the characteristics of a product as well as the advantages that derive from them. On the other hand, if we are talking about an advisory sale (based on identifying the needs of each individual), we present the characteristics, advantages AND benefits – deriving from the identified needs.
Let’s detail these three concepts.
• The CHARACTERISTICS of a product/ service are its physical properties that come from the way it is manufactured or defined; in the case of a service, it is about what the customer perceives directly, through the senses. Let’s think about a phone, for example. It has features like 4G, 12-megapixel camera etc. – but do you think that this is why the client wants to buy it? No. The client actually buys fast internet speed and high-quality photos – which are the advantages derived from the phone’s features.
• The ADVANTAGES actually represent the real reason of the existence of a certain feature. The questions that a customer asks in order to determine the advantages of a feature are “What does it do for me? What do I get from this product? or What’s the plus?”
• As for about the BENEFITS of a product/ service, they are different from one customer to another, being used in advisory sales, considering that they can be identified only after identifying the needs of the customers. To understand better this concept, let’s return to the phone example: like we previously said, the 4G feature of a phone brings the advantage of superior speed related to internet browsing. For some people, the derived benefits can be better speed for sending emails to the customers, while for others the benefits may translate into faster picture uploading process etc.
What is important to remember is that both the advantages and the benefits are related to the client’s needs, thus are also highly subjective. They are decided in the client’s mind as a result of his/ her concepts and interaction with the seller. Therefore, a product can be sold differently to different customers, without the truth about it being distorted.
During every basic Denver sales training course, you will be invited to do an exercise and write down the characteristics of your product, then ask yourself why each of these features are important and what the customers have to gain from them; this way, you will get a better picture of how to use each advantage and determine as many potential benefits as possible.
Choosing Experts in Investment Management – Denver Financial Specialists and How to Pick the Best One
If you have some money to invest, but you are not sure how, the best and safest way to make sure your money works for you the way you expect it to is to entrust your money to an expert in investment management – Denver gives home to lots of experiences and knowledgeable investment experts who provide excellent personalized wealth management, so in what follows we would like to help you with a few tips about how to find the best one for your money.
Do Some Homework
This might seem strange – after all, you want to turn to an investment expert because you don’t want to do handle your investments yourself, right? Even so, it is highly recommended to have at least some idea about how you want to invest your money, about the profit you are looking for, about how much risk you are willing to take. That way you will be able to give your investment specialist much more accurate instructions and it will be easier for you to understand your investment expert’s recommendations as well.
Map Your Possibilities with a Simple Online Query
All good investment management Denver companies have their own websites, so you can easily find them online. Check their services, find out about their approach towards investments of the size that you want to make and read about the experts they work with. Look for credentials, qualifications, memberships in professional associations, testimonials, anything that can tell you about the company’s or the individual expert’s reputation and experience. Check their reputation on review websites and forums – money and investment are confidential topics, but many people share their opinions about the investment management companies they work or worked with.
Get Word of Mouth Recommendation
It is also a good idea to ask friends, family or people you know to recommend you experts – they will be able to share with you not only their experiences with their investment manager, but they can also tell you a few things about what to pay attention to when first meeting a financial expert.
Call the experts you consider suitable and meet them. During the meetings, don’t disregard your impressions and don’t hesitate to ask whatever questions you have about the money that will be invested on your behalf – don’t forget, you need the expert’s services to make your money generate profit for you, but it is ultimately your money and your decisions, too.
Clarify How Much It Will All Cost You
Different investment management companies and experts have different pricing and payment structures and policies in place – some charge only a commission, others work for flat rates and there are other methods as well. Make sure you find out exactly how much you will have to pay your investment manager before you enter a contract with them.
When it comes to investment management, Denver gives home to really excellent, reputable experts. Just make sure you take your time to choose the company or the individual expert who provides the service that suits you best and your money will start working with you very soon.
There are a lot of consulting firms in Denver and looking for the firm that best suits your needs can be quite tricky. Most of them advertise similar services in the same price range. How to go through these Denver consulting firms in the market and find the best one can be quite a challenge.
Before you make a quick decision and forego any selection criteria, here are the reasons why you should take the time to examine and evaluate your options carefully when looking for a consulting firm:
- Return on investment – you will be investing quite a bit of money when you hire one of the Denver consulting firms. You do not want your investment to go to waste. You have to get the best value for your money. Aside from the services they offer, you have to make sure that all these services bring in the results that you want.
- Specific expertise – some of the Denver consulting firms will boast that they are good at something other firms cannot do well. Find the consulting firm that has expertise in the industry you are operating in and in the specific needs of your company. You may need consulting services for sustainability, marketing or advertising, and business strategy among others.
- Experience and tenure – Denver consulting firms that have been in the business longer will have a lot of experience and pervious projects under their belt. They will have an easier time analyzing situations because they may have encountered previous cases that are similar. They can easily accommodate your requests and adjust their strategies if necessary. Working under pressure will also be no problem since they have gotten used to it over the years.
- Credibility and security – a consulting firm with great reviews from their previous clients is definitely a credible one. If their clients vouch for their services, then you can be assured that your company is in good hands. The consultant you hire should be trustworthy as they will be handling a lot of confidential information. Your consultant should have no problems with confidentiality agreements prior to starting their contract with your company.
- Price and value – in most cases in the consulting industry, the better the firm, the more expensive they get. The longer their roster of successful companies is, the higher they get to charge their new clients. Find Denver consulting firms that are reasonably priced. You are going to be paying a firm to devise strategies to increase productivity, sustainability, and the long-term profits of your company. The money you spend for their help will be returned and more. Great consulting firms believe that that value they will deliver will be more than what you are going to be spending.
These are a few things that you can think of when scouting for a consulting firm. Their skills are invaluable for any company that wants to innovate and improve in their business approach. There may be a lot of Denver consulting firms but you just need to keep digging and you will eventually find a gem.
Denver mortgage companies offer not only great deals for ensuring that you can afford the home of your dreams, but will also provide you with great insight on some of the major issues people normally run into when talking to local mortgage companies.
From ensuring that you get proper assistance with the lending process, to answering questions about Denver mortgage rates, APR, loan payments and comparisons with other company’s offers, these experts will provide you with all the help you need. But who are these reliable lenders, and how can you find them?
The Main Qualities to Look for in Denver Lenders
When you talk to anyone who has been checking out Denver mortgage company reviews, or who has dealt with a number of mortgage lenders in the past few years, they will tell you of a small number of essential qualities that they’ve observed in the best mortgage lenders on the market. They are the following:
- Friendly and professional conduct: You don’t have to worry about reliable Denver mortgage lenders treating you poorly during interviews and appointments. They will try their best to answer your questions and provide you with a fair and timely assessment of your situation.
- A wide selection of excellent offers: Beware of companies that have a seemingly good offer and a long track record of high interest rates and expensive fees their clients can hardly support. The best companies are the ones that provide a wider selection of good offers, and have been doing it for a while.
- A willingness to commit: According to Denver mortgage company reviews, dependable mortgage companies will always be willing to commit to helping their clients without delay, going the extra mile even when their client has already signed the mortgage contract.
- No nosy questions: Some mortgage companies might ask you about daily spending habits, how you use your credit cards or whether or not you bought anything very expensive just as a leisure choice in the past few years. Instead of being indiscreet, the best mortgage companies will only ask questions that are pertinent to their assessment of your current financial situation.
- No secrets: Most lending companies will try to hide behind all sorts of excuses to avoid certain questions. For example, if you do your research and find evidence of a past client who ran into legal issues with the company, they may try to assure you that you’re not at any risk. A reliable Denver mortgage company, however, will provide you with all the details about the company’s policies that apply to that situation and any other that may be similar.
Company Reviews and the Comparison Between Mortgage Deals
Denver company reviews provide an invaluable insight into the policies, deals and long term benefits or bonuses associated with the specific companies you are targeting. Whether you want VA home loans, affordable first-time home loans or an excellent deal on a lower credit score, you can find the ideal company to help you by simply browsing through the best review sites.
Most of these websites can also provide you with quick and convenient means of comparing live rates and the policies of all the best mortgage companies in Denver. In most cases, you can also find a large number of personal testimonials posted by clients who have worked together with the companies in question for many years.
The Denver financial planners can help you design and implement a strategy to consolidate your finances and to solve financial issues you are faced with, but only if you choose the right adviser. If you have heard about the benefits of working with an expert in financial planning Denver hosts and you think those benefits are what you need right now, here are a few tips and ideas about what financial planners can do for you and how to find the expert with the suitable qualifications and experience.
Why Hire a Financial Consultant
Financial planners can help you achieve your short term goals and they can help you develop and apply long-term plans as well. You can turn to these experts if you need assistance to get out of debt and you can also rely on them if you have money to invest and you want to make wise choices – here is how they can help:
- They can carry out a realistic assessment of your finances,
- They can identify the weaknesses in your current financial strategy and help you avoid making bad decisions,
- They can help you put together a safe and efficient investment portfolio to secure your financial future,
- They can help you re-group your expenses to allow you to pay off debt faster,
- They can help you with retirement planning as well,
- They can save a considerable amount of time and energy for you by managing your investments.
How to Find the Best Financial Consultant
Financial planners, just like experts working in other professions, usually specialize in certain types of clients and certain types of investments. Some provide consultancy for clients looking for a way to get out of debt, others work in the field of retirement planning only, and there are Denver financial planners who focus on estate planning and tax consultancy, so your first task after deciding whether you need a financial planner is to find experts who have the right kind of specialization. When you have made up your mind about the type of consultant you need, you can either ask around among your friends and family to find out whether they know a reputable consultant or you can carry out an online research to find local experts that have the right type of specialization and qualifications. Try to hire an expert who has at least a college degree in finances and try to find out as much as possible about the professional you are considering – these background checks are very important, after all you will need to have perfect trust in the consultant who will be handling your finances. When you find the right person and before you hand over your finances to your consultant, draw up a contract that contains clauses about all the aspects of your collaboration.
The local financial planners are certainly the experts to turn to if you need help handling your money – make sure you follow the above guidelines and your collaboration will surely give you the peace of mind that your money is in the best hands.