Garra Rufa insurance policy offers peace of mind

One of the latest and most innovative new crazes to hit the health and beauty market is the fish pedicure, which in many ways has replaced the tanning element of many salons on the High St. This ingenious service is a pedicure that is carried out by Garra Rufa fish, and has become extremely popular, with salons appearing throughout the UK. However one of the issues that many are unaware of is the fact that from the treatment perspective, most salons are not fully insured for treatment risks. This is where Lockyers Intelligent Insurance comes in, providing as they do an innovative and ingenious insurance policy that protects both the salon and the consumer with regard to any potential infections and diseases that can be caught by the treatment. Information regarding this insurance policy is available through their online resource which is located www.lockyers.co.uk.

A fish pedicure is a form of treatment whereby the individual places their feet within a container filled with Garra Rufa fish. These fish, which are also known as Doctor fish, then proceed to nibble the dead skin off the individuals feet, providing a satisfying and effective pedicure. The number of salons that now offer this type of unique pedicure has grown exponentially in recent years, however one of the main issues is that many salons only retain the standard public liability insurance, which does not cater for issues regarding infections and diseases, such as legionella, that can be caught by virtue of the treatment itself.

This is the main reason why the insurance experts, Lockyers have introduced a Garra Rufa insurance policy, which caters for this particular issue. They have, in conjunction with a major UK insurer, developed an insurance policy package which comprehensively covers the specific requirements of Garra Rufa spa operators. This fish pedicure insurance policy, covers public liability, treatment risk in addition to employers liability whilst also providing stock and contents cover. In addition the Garra Rufa shop insurance also caters for loss of profits following a claim as well as the option of buildings insurance. In essence this is an all-encompassing policy, which provides peace of mind for the spa operator.

Details regarding this comprehensive fish pedicure shop insurance cover is available through their website, within which is detailed the extensive areas of interest that are covered by the policy, in addition to the criteria that needs to be adhered to. For those who require a quotation, the option of either contacting a landline number or alternatively utilising the online enquiry form, provides a simple yet effective means of obtaining a quotation.

As any business owner will testify, comprehensive insurance offers peace of mind. This ingenious fish pedicure insurance policy, is a specific type of policy which deals with and relates to the particular requirements of fish pedicure spa operators.

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Tort Laws Mean Texas Auto Insurance Is Critical

Texas Auto Insurance Keeps You Safe When At Fault

Most states today require that drivers carry insurance on their vehicles in order to be allowed to drive, and Texas is certainly no different. Texas auto insurance policies help keep both you and other parties safe. In the event of an accident, your insurance policy can pay for bodily injury and property damage done if you are at fault, and the other partys policy will do the same if they are at fault. Unlike many states, Texas does not have a no-fault system. This means that one party is always deemed responsible for an accident and that if you do not have Texas insurance, you could be responsible for major expenses and fines.

What Happens If You Dont Have Auto Insurance in Texas

If you are caught driving your car without auto insurance in Texas, you can be subject to hefty fines and penalties. Repeated offenses will also result in the suspension of your driving privilege. But the real costs happen if you are in an accident without coverage. Without insurance, not only will you be subject to fines and legal penalties, but you will have to pay for property damage, bodily injury, and any resulting death out of your own pocket. Simply put, driving without Texas auto insurance is very dangerous ground.

What to Seek in Texas Auto Insurance

When you are looking for quality Texas auto insurance, there are a few things you want to look for. When you can find all of these things in an affordable policy, you can breathe much easier.

Texas insurance that meets all state minimums

Auto insurance in Texas that covers the full

lien, if any, on your car

A policy that will pay quickly in the event of

an accident

A policy with affordable premiums and all

needed coverage

Great Texas Insurance Can Keep You Safe

Having a quality policy for auto insurance in Texas can give you greater peace of mind when you are behind the wheel. An accident can destroy your life and your finances, and knowing that you have the coverage you need can make a big difference. Taking the time to find the right policy for your needs should always be a priority, and you will find that in some cases it may prove much better to get coverage above and beyond state minimums. Speak with an insurance agent to find out what type of policy might be best for your needs.

Denver Finance Jobs For Personal Financial Advisors

Positions for personal financial advisors are among the fastest-growing and highest-paying Denver finance jobs available.

Personal financial advisors are responsible for assessing a client’s assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives in order to come up with financial plans. They do this by using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate.

Most candidates for personal financial advisor jobs should have a bachelor’s or graduate degree. In addition, any personal financial advisor who directly buys or sells stocks, bonds, insurance policies, or specific investment advice needs to obtain the proper correlating licenses.

There were about 208,400 personal financial advisors throughout America during 2008, according to the U.S. Bureau of Labor Statistics. About 63 percent worked in finance and insurance industries and about 29 percent were self-employed.

Between 2008 and 2018, employment of financial advisors across the country is anticipated to grow by 30 percent, meaning there will be a lot of competition for available jobs.

Employment of personal financial advisors in the Denver area is expected to increase from 2,420 workers during 2009 to 2,731 workers by 2019, accounting for 311 additional jobs and an average annual growth rate of 1.2 percent.

According to the Colorado Department of Labor & Employment, the largest industries that employed personal financial advisors in the Denver area during 2009 were:
Financial investment and related activity – 37.5 percent
Credit intermediation and related activity – 20.1 percent
Funds, trusts, and other financial vehicles – 3 percent
Management of companies and enterprises – 1.3 percent
Professional and technical services – Confidential percentage
Administrative and support services – Confidential percentage
Hospitals – Confidential percentage

During 2009, the average wage for financial advisors in the Denver area was $23.22 per hour or $48,300 per year, while the average entry-level wage was $16.30 per hour or $33,910 per year and the average experienced-level wage was $55.82 per hour or $116,100 per year.

Some related occupations include: purchasing agents, except wholesale, retail, and farm products; insurance adjusters, examiners, and investigators; auto damage insurance appraisers; cost estimators; assessors; credit analysts; financial analysts; tax preparers; and bill and account collectors.

Invest In A Life Insurance Policy This Valentine’s Day

On the 14 February each year the world celebrates Valentine’s Day. According to Wikipedia, ‘St. Valentine’s Day began as a liturgical celebration of one or more early Christian saints named Valentinus. The day first became associated with romantic love in the circle of Geoffrey Chaucer in the High Middle Ages, when the tradition of courtly love flourished. By the 15th century, it had evolved into an occasion in which lovers expressed their love for each other by presenting flowers, offering confectionery, and sending greeting cards.’ If you are not sure what to buy your spouse or partner this Valentine’s Day, consider giving them the gift of a life insurance policy. Find out why.

You and your partner or spouse have built a life together. You have dreams for your childrens future, for holidays you would like to take, renovations you would like made to the family home and the retired life you will one day settle into.

Your family relies on the salaries that you and your partner earn. Your joint income covers everything from the bond on the family home to school and medical fees and daily living expenses. It also has to take care of your savings, your retirement savings and your unpaid debt.

Stop for a moment and think about how your partner or spouse would cope without your monthly salary. Would he/she have to sell the family home and buy a smaller home in a cheaper neighbourhood? What sort of schools would the children be able to attend? What would happen to your annual family holidays? What sort of medical care would the family be able to afford?

Enter life insurance. Also known as life cover, a life insurance policy is the protection that your family and spouse or partner need against your death and the loss of your income. In the event of your death the beneficiaries of your life insurance policy will receive a lump sum pay-out. These funds can be used to replace the salary that you earned and cover everything from living expenses to medical aid premiums. Depending on the size of your pay-out, your beneficiaries might even be able to use it to pay off some of your unpaid debt.

By investing in a life insurance policy you are investing in peace of mind for your partner or spouse. Do not leave your loved ones financially stranded in the event of your death. Do the right thing today and speak to your broker or insurance company about a life insurance policy.

A Guide To Life Insurance Leads

You can generate life insurance leads from a variety of media.

For example, here is a list of many different media to consider for your life insurance marketing efforts. With a little bit of research, copyrighting skill, and marketing know-how, each media can be used successfully.

Offline Media:

Direct Mail Letters, Direct Mail Postcards, Newspapers, Coupon Books, Newsletters, Magazines, Telemarketing, Radio, TV, Texting, Free Publicity.

Online:

SEO, PPC, Videos, Podcasting, Social Media.0 (Facebook, Myspace, etc.), Press Releases, Article Marketing, Affiliate Marketing.

Before writing an ad or hiring a graphic artist to design your advertising, the key to marketing life insurance successfully in any of these media is to study the demographics and then write your marketing piece accordingly.

For example, a prospect looking through a coupon book is probably looking for ways to save money. A prospect who reads a wealth building magazine might be interested in protecting their family from the loss of their income and assets.

Or, a person searching for life insurance online may be looking for information on life insurance and not necessarily looking to buy it. This way you can position yourself as an expert by educating them.

But you can target keywords online, and thus you can also create a separate campaign for individuals looking to buy life insurance.

All of these suggestions require testing.

To market life insurance effectively, it takes patience. But it can pay off remarkably well as long as you stay focused and keep testing.

The other option is to buy life insurance leads from a lead generation company.

The problem is that there are many life insurance lead companies out there that promise to provide you with fresh, hot, real time leads.

Do your research on each company before you buy leads from them. Test a batch of leads from your lead generation of choice, and if they work for you buy more.

Following up with a prospect from your own lead generation efforts is a little bit different than following up with and closing real time life insurance leads. Especially if you are following up on real time shared leads.

If you decide to buy real time shared leads, be sure you are one of the first to call on these leads because you can have anywhere from 4-8 agents clambering for their attention as well.

Ask your lead generation company for a follow up plan and script that is working for their agents so that you can use or modify it for your situation.