Category Archive : Professional Services

Ensure Your Employee Welfare with Group Accident Insurance Policy

Employee compensation packages have gone beyond the basic pay. Employers now include various added benefits for their employees’ financial well-being to boost employee morale and foster loyalty. Insurance plans form a crucial part of employee wellness benefits. A group personal accident insurance plan is one such coverage that can provide financial protection to your employees.

What is group personal accident insurance?

A group personal accident plan covers accidental contingencies suffered by the insured members of the group. The policy covers the following contingencies that might arise as a result of an accident –

  • Death
  • Permanent disablement
  • Total disablement
  • Partial disablement

Moreover, depending on the plan that you choose, the coverage might also include the following –

  • Temporary total disablement
  • Transportation of mortal remains
  • Fractures
  • Cost of ambulance
  • Funeral expenses
  • Medical expenses
  • Lifestyle modification due to disablement
  • Education fund for dependent children

Benefits of group personal accident insurance

A group personal accident plan is beneficial for both employees and the employer. Here are the primary benefits of the policy –

For employees:

  • Comprehensive coverage

The policy provides a comprehensive scope of coverage against accidental eventualities. Group personal accident plans offer a range of both inbuilt and optional coverage benefits to ensure that your employees can enjoy comprehensive coverage against accidents.

  • Financial protection

If any employee suffers accidental death or disablement, the plan pays a lump sum benefit to the employee or the nominated family member. 100% of the sum insured is payable in the case of accidental death or permanent total disablement. In the case of permanent partial disablement, a specified percentage of the sum insured is paid. Such benefits provide the injured employee’s family with the financial support needed to deal with such an emergency.

Furthermore, some group personal accident policies allow you to enhance the scope of coverage beyond death and disablement. The enhanced coverage makes your employees’ financial well-being a leading priority. For instance, if the plan allows an education fund for the employee’s children, a lump sum benefit would be paid in addition to the claim. It would secure the children’s future even when their parents are not around.

  • Cost-effective 

Group personal accident plans are pretty affordable in terms of premiums. The premiums are very low against the considerable quantum and scope of coverage provided. Group personal accident coverage does not pinch the business or the employee’s pocket, no matter who pays the premiums.

For the employer 

  • Easy availability and claim

Many insurance companies offer group personal accident plans to cover policyholders in the event of disablement or death. Employers can obtain the policy quickly, either online or offline. You can also compare the coverage provided by different plans vis-à-vis the premium charged. The comparison would help you pick a policy that offers the most inclusive scope of coverage without burning a hole in your or your employees’ pockets.

Moreover, in the case of claims, the process is quite simple. Your employees can get a digital health ID card online, which would serve as proof of coverage. They can use the card to make a claim whenever they face any contingency covered under the plan. Once the claim is verified, the insurer pays the amount to help your employees and their families deal with the financial loss that they might have suffered.

  • Helps in fulfilling social responsibility 

Employers are socially responsible for compensating their employees and/or their families if anything untoward happens to them. This compensation, however, can put a dent in the company’s cash reserves, especially in the case of start-ups or SMEs.

A group personal accident policy proves relevant in such scenarios. They help you fulfil your social responsibility without putting a great deal of strain on your reserves during an unfortunate emergency by compensating your employees.

  • Helps attract and retain talent

Employees today look for value-added benefits aside from the pay package that organisations provide. A group personal accident plan can attract talent to your organisation by providing a value-added benefit. Moreover, you can foster employee loyalty and retain well-performing employees with the coverage provided.

  • Builds employee morale and boosts productivity

When employees are financially secure, they tend to give their best to their job. This, in turn, increases productivity. Moreover, employees feel a sense of gratitude when their organisation cares for their financial wellness. Enhanced employee morale, in turn, results in a productive and healthy workplace.

  • Enhances profitability 

Good talent, enhanced morale, and productivity ultimately lead to enhanced profitability. Your organisation can grow and become more profitable with group personal accident coverage.

Wrapping Up!

Group personal accident insurance plans add a layer of financial protection to your employees’ portfolios. The policy is cost-effective, provides a broad scope of coverage and is readily available. Additionally, it can prove beneficial for your organisation by helping you recruit and motivate the right talent, besides ensuring their productivity and retaining them.

An accidental group insurance plan is an excellent way for employers to show their employees that they care about their well-being. It is high time you invested in a group personal accident policy for your employees, who are the lifeblood of your organisation. So why wait? Make sure you choose an appropriate insurance plan that includes optional features for all-around protection and provide your employees with the financial security they need.

A Glimpse at How Scam Locksmiths Trap Innocent People  

Almost everyone can come across a situation in their life where they lock themselves outside of their vehicle or house. The stress of such circumstances often does not allow you to think of the necessary detail of a particular locksmith service because all you need at that time is a locksmith who can get you out of the problem. It is where fake locksmiths play their wicked game and dodge us. Eventually, these red flags cause you to lose your hard-earned money over a locksmith scam.

Too Good Ads 

Generally, locksmith scams emerge through ads of a non-existent service. These shady locksmith companies or individuals scammers create several fake websites and make attractive advertisements to draw your attention toward them. Their ads are too good to be true with a significantly lower service fee than other locksmiths in the market.

Real-Looking Websites

Unfortunately, most scam locksmith ads and websites look genuine. Visiting will help you find the legitimate locksmith services that fake locksmiths replicate and include in their sites to attract you. They use stolen pictures of storefronts belonging to reputable locksmiths, claiming them as their brick-and-mortar offices to look real.

Fake Customers Testimonials 

Scam locksmiths use all the tactics to pull the wool over your eyes. They have dummy customers and fake customer testimonials. Interestingly, some of the scam locksmith websites have a high ranking on search engines that can attract anyone looking for reputable locksmith service.

Mislead Phone Calls

Misguided phone calls are another tactic of scam locksmiths to fool you. When a potential client calls them to get assistance for their lock or security-related task, they give them an extremely low price quote with excellent locksmith services, which they find hard to refuse.

Increased Bills

After you accept the offer, the scammer sends you a sub-contractor to your location. They damage your locks by telling you that your locks have complex technical issues and need drilling. Afterward, the fake locksmith charges you ten times more price than the original quote. They claim that your job requires more complex efforts than initially anticipated.

The Impact of Machinery on the Construction Industry

For many years in the history of the US and the entire world, the construction work has been trusted on the hands of human beings as well as a forklift tipping skip, who were responsible for every activity in the construction sites. The activities involved a lot of hard work such as the lifting of construction materials to heights that not everybody could manage, or using an industrial powder mixer. However, there were limitations to the work that the individuals could do since they were all human. That was when another group of innovators invented the construction machinery, which has significantly transformed the construction industry, to be better. The introduction of these machines has enabled the engineers to undertake any heavy commercial construction, which has recently been evident in most of the cities in the United States and internationally.

What the machinery brought into the construction industry was efficiency. The constructors on the sites would have difficult times carrying loads and the heavy construction materials from one point to the other using human energy. However, after the invention of the construction machinery, they had all the reasons to smile since every object in the site could be easily handled, regardless of their weight. One of the most significant machines that were introduced into the construction industry was the crane. The crane was developed after the myriad of challenges that the engineers and their workers in the construction sites faced whenever they needed to lift large and heavy construction materials, especially to significant heights. This would pose a considerable challenge to the human labor, and hence the introduction of the crane was a huge milestone to this economic sector.

After the invention of the crane, people in the construction industry realized the efficiency to which they brought to the sector. A lot of manufacturers then came into the business of designing the cranes, but with various modifications depending on the primary role of the machinery. As we speak today, multiple models have flooded the market, all of which have been designed to perform some specific functions in the construction site. One of the most popular types of cranes is the truck mount cranes, which is mounted on a truck whenever it is in action. This crane has brought about a lot of flexibility and mobility in the construction sites since the operators can move it from one place to the other with a lot of ease.

One of the benefits of a truck mount crane is the economy of space. You find that there are instances when the construction site, especially in the congested towns, has minimal space to place huge machinery such as the cranes. In such cases, the constructor can opt to mount their cranes on a truck, which would be operated by the truck driver whenever in need. When not in use, the truck can also be used for other purposes like carrying loads and movement of construction materials on the site. The beauty of the truck mount crane is that the engineers do not require the presence of two machines in the site. They are both enjoined as a package but performing different roles and functions.

What to Consider When Choosing Pallet Racking

When choosing a pallet racking system, it’s important to invest in one that will be the most suitable for all your warehouse storage requirements. Ultimately, you need to ensure that it’s efficient and effective. However, selecting the right pallet racking system can be a multifaceted process. You need to prioritise where and how you will store your products, as choosing the wrong kind of storage system can inflict unnecessary costs on your business. Here are four things to consider when choosing a pallet racking system for your warehouse.


Firstly, it’s important that your pallet racking uk system can hold enough weight. The weight that it will be able to hold largely depends on its overall configuration. There are particular pallet racking systems for different industries that allow for heavy, medium and light loads. You must also consider whether you’ll be using a single bay system or continuous runs, the length of each bay, and what will be placed on each level. All of these factors play an essential role in determining what the safe working load of each pallet racking system will be. If a system cannot safely take the weight, you’ll need to opt for a stronger option.


When purchasing a pallet racking system, it’s important to consider the frequency of your stock turnaround. For example, businesses dealing with perishable goods need to have quick accessibility to their products. This is because products such as beverages, frozen foods and anything with an expiration date need to be put in first and taken out first to ensure their freshness.

Pallet racking systems that are used for storing goods with high turnovers can experience a higher level of damage. A great way to maintain your pallet racking system is to use protection products such as additional column guards and durable end protectors.


It’s essential to keep all existing limitations in mind when designing and installing your pallet racking system. This will make the installation process smoother, plus you’ll know additional costs won’t be necessary to make a pallet racking system work. For example, if your current hyster forklifts only rise to a height of 4 metres, you shouldn’t install a racking system to the height of 6 metres. It’s also important to remember that certain forklifts are best suited to specific types of pallet racking systems.

Floor Plan

Before choosing a pallet racking system, you need to consider your floor plan. Think about the shape, height and size of your space as well as the positioning of your doors and windows. This will help determine the amount of pallets you’ll be able to store and how much floor space you have to do so. It’s also important to ensure that the system you choose will not only fit in the space that you’ve allocated for it, but that it will be safe and efficient as well. There must be enough space between the industrial racking systems for a forklift to fit, as well as enough room for materials to be pulled from the shelves.


Get the Coverage from the Best Attorney 

When you are on the open road, there are a lot of instances where drivers are not paying attention, or you may even get distracted due to stimuli. Particularly, it can even be a bigger challenge for those who are operating a motorcycle. In case an accident occurs, you need to be fully prepared with insurance and a lawyer. For that reason, there are motorcycle accident attorneys that are ready to assist you. As a matter of fact, motorcycle attorneys cover cases involving personal injury, free consultations, assistance with recovery, driving interventions, filing for short-term disability, and customer service questions.

Experienced Motorcycle Attorneys Can Help

Mainly, these specialty lawyers want to ensure that all operators of motorcycles, which includes dirt bikes, Harleys, scooters, and professional cycling, have a chance to win cases and be represented well. Ultimately, the operator of a motorbike needs coverage identical to an operator of a car or truck. In some cases, there needs to be more coverage because of the open space that the motorcycle rider is operating in.

Obviously, there needs to be insurance covering any types of bodily damage. By implementing this type of insurance into your plans, your attorney will be able to get any hospital or medical bill paid by the driver-at-fault. Moreover, you will feel at ease about driving on the road and traveling to destinations as well. On the Internet, there is a webpage that explains high-risk driving and how to determine who is at fault on the Balance.

Driving School Is Suggested in Some States

Before operating a motorcycle, an attorney would suggest that you take classes that will show you how to operate a motorcycle properly. In some cases, you will meet a motorcycle accident attorney on the spot if you decide to take the class through DMV recommendations. As mentioned before, it is best to have knowledge about a motorcycle before you operate one, and you should have an attorney in case you need the services. On Wikipedia, there is information about motorcycle safety.

Meeting A Motorcycle Attorney for Questions

If at any point you need a personal consultation, it is important to write down questions in order to be organized prior to meeting with a motorcycle attorney. In reality, you will gain the knowledge that you need, especially the rules for motorcycle operating. At that particular time, you can get the information you need and the feelings that your new attorney will always stand behind you in any case.

Ideally, this would be perfect for motorcycle clubs or professional drivers as well. In summary, you will feel more confident while riding on the road, and you will understand how the coverage works for minor issues occurring while you are riding or operating your motorcycle as well. In the end, you will have an awesome attorney that will guide you to the right answers no matter where you are in the world are on the road.

Five Things You Should Keep After a Slip and Fall Accidents

Slip and fall accidents can happen just about anywhere. The floor in the grocery store might be wet after someone spills something, for example, and it can cause you to slip and fall. You could slip and fall on an icy walkway outside of a business or while you’re at work. Regardless of why you might slip and fall, you may want to work with a lawyer. Also, if you are in a slip and fall accident, then you will want to keep some things to help with your case.

Your Clothing

Keep your clothing after your accident. If it’s torn or otherwise damaged, you might think that you should throw it away. It may serve as key evidence in your case, though, and the lawyer from your Shelby, North Carolina Personal Injury Law Firm might want it.

Witness Information

Even though everything might be a bit chaotic at the scene of the accident, getting information from any witnesses who are there is smart. You’ll want to give this list to your lawyer. He or she might contact the witnesses to ask them to testify or to get more information about what happened.


In today’s day and age, taking pictures is easy. If you’re like many people, you probably have a smartphone that has a decent camera that you can use to take pictures. Taking pictures of the scene of the accident, your bruises or other injuries and anything else that you think seems relevant may help your case.

Medical Bills

You might receive a stack of medical bills in the mail for all of the services that you may have needed after your accident. You might be tempted to toss them in the garbage out of frustration, particularly if they’re so high that you know that you’ll never be able to pay them. Keeping them and giving them to your lawyer is essential, though, and it’ll make it easy for your lawyer to determine how much money you should get in a settlement to help cover your medical expenses.


Even if you aren’t someone who is usually into writing things in a journal, keeping an accident journal after your slip and fall accident is smart. This gives you a place to document everything related to your accident, including what happened and how you feel from day to day when you’re recovering from your injury. You can document all of this on your computer, in a notebook or on loose paper that you keep together in a folder. How you document everything isn’t what’s important; instead, just making sure that you keep as much information about the accident as possible is the important thing.

There are some things that you should keep after being involved in a slip and fall accident. Of course, if you didn’t keep these things, you should still contact a lawyer; he or she might still be able to help you with your case. However, keeping as much evidence as possible, including these five things and anything else that you might think will be helpful, will help a lot.

Simple Powder Coating Guide

Powder coating is a popular finishing process that offers many benefits. Powder coating is the method of applying a dry powdered pigment blend to a part, then curing it with heat to bond the coating to the item being finished. Unlike wet painting methods, powder coating provides a durable, attractive finish with little waste and low impact on the environment. This corrosion- and fade-resistant finishing process can often be found in industrial applications, such as the final finishing step for automotive components, tools, and outdoor equipment. In this guide, the basics of applying a perfect powder coated finish will be introduced.

Step One: Prepare the Parts for Powder Coating

The key to a perfect powder coated finish begins in preparation. Any debris, rust, scale, or grease on the part to be finished will impact the coat, resulting in unsightly blemishes if the part is not cleaned properly. A clean surface also ensures that the electrostatic charge applied to the item is not interrupted. Professional powder coating services use several cleaning methods, including media blasting or chemical dips to prepare the surfaces of the item for coating.

Step Two: Area Cleanliness

Just as important as preparing the parts to be coated, the work area must also be clean. Dust and debris should be eliminated from the work area, including overspray from previous powder coating applications. Remember that the item to be finished has an electrostatic charge applied to it, and dust may adhere to the item if the work area isn’t clean enough. Air filtration systems can reduce overspray and dust accumulation. Many powder coaters – DIYers and professionals alike – may use some form of spray booth to ensure a clean, contaminant-free workspace.

Step Three: Preparing the Spray Equipment

Many variables go into powder coating, including the type of parts being finished, the type of powder formulation used, and the equipment itself. Professional powder coating guns typically have adjustable settings, particularly in their air pressure and voltage settings. Air pressure should be adjusted until the powder forms an even cloud; this pressure typically ranges from 5-10 PSI.

Voltage settings are crucial in getting a good coverage. Powder coating voltage is measured in kilovolts or KV. The higher the KV setting, the more powder will stick to the item being finished. Too high of a KV setting may result in back ionization, which results in unsightly dimples or defects in the finish. Second coats typically require lower voltages; initial coats may be in the 100 KV range, while second coats are often done at 20-30 KV. Some trial and error may be needed to get the settings right for a particular application.

Step Four: Applying the Powder

Once the equipment settings are dialed in, it is time to apply powdered pigments. The goal is to lay down an even coating, and this is done by starting the spray to one side of the part and following through until the part is coated – pros try to coat the part in one pass. An even distance from part to spray gun is also part of the process. Best results are achieved by keeping the gun 6-8 inches away from the part being coated.

Once the part is coated, the item will take a trip through the curing oven to bond the powder to the part. This step has many variables, including curing temperature and time. The end result is a smooth, even finish that resists chipping, fading, and corrosion better than traditional wet painting methods.

Article brought to you PCS

How Is a Commercial Cold Room Installed?

Cold rooms are used by a wide variety of businesses, from corner cafes to major food suppliers, so they can vary greatly in size. However, size isn’t the main variable when it comes to installation. There are lots of different factors which come into play when a cold room is installed.

Cold Rooms Vary Greatly

Some businesses need a simple system and are happy with a pre-built module that they can more or less plug in. But many others need walk-in coolrooms or a design involving many different modules.

One of the key factors is whether the items to be stored all require the same temperature, or whether several different temperatures need to be maintained.

Some commercial cold rooms from are in fact several rooms, with different fittings and temperatures. Others are simple walk-ins. And others are bespoke installations, designed for a particular purpose. It’s common for businesses to have a need for a clean area separate from traffic in and out of the cold room or a preparation area, where food is prepared in temperature-controlled conditions.

The Installation Process

The installation process involves talking to the business to find out how they will be using the cold room, how many people will be accessing the room, and at what times, what temperatures are required and so on. This gives the installers the information they need to ensure the installation goes smoothly.

After they have looked at the site, the installers will be able to estimate how long the job will take and how long the cold room will need to attain the required temperature. They’ll set up a schedule in consultation with the business owner, who will of course be keen to minimise the disruption to the business.

The business owner will need to know the health and safety guidelines for employees who will be working in the cold room. These include thermal clothing, and warming drinks – there’s a Health and Safety Executive summary here:

Installation involves building the structure with the insulation that will keep the cold in. The engineers can then set up the refrigeration system and make sure it is working properly. The power source needs to be integrated into the system.

And finally, the installers will tidy up and leave the new cold room ready for use.

Abatement and Remediation Services in Edmonton

The presence of hazardous materials in your home or commercial environment can pose health and safety risks to you, your family, employees and even visitors. If there are such materials on your premises, then you should involve experts to help with the removal. Fortunately, there are companies with knowledgeable and vastly experienced personnel that use modern equipment to provide abatement and remediation services.

Abatement and Remediation Services in Edmonton

If you have an industrial, residential or commercial property that needs professional abatement or remediation services in Edmonton, you will find reputable providers of these services. There are companies that have professionally trained and highly-experienced specialists who can handle many different kinds of projects. If you need reliable mould, lead or asbestos abatement in Edmonton, these companies are there to help. They offer:

  1. Asbestos Removal in Edmonton

Asbestos is a silicate material which was commonly used in buildings in the past. Unfortunately, it was later proved to cause serious health complications including lung cancer, mesothelioma or asbestosis. If there are asbestos-containing materials on your property, these companies are able to provide you with quality asbestos abatement or removal services, regardless of how small or large the project is. If you need reliable asbestos abatement in Edmonton, these companies can help.

  1. Lead Abatement Services

Lead is another common hazardous material that is largely found in paint, pipes, ceramics, batteries, cosmetics, gasoline, solders, ammunition and even toys. Exposure to lead, either through inhaling or ingestion can cause various lead-poisoning symptoms, such as joint and abdominal pains, kidney and digestive problems, mental retardation, coma and even cancer, among other things. If you have any materials or items that could be putting you in danger of lead poisoning, these abatement experts can help with the removal and disposal.

  1. Mercury Removal Services

Mercury is another potentially dangerous material that is commonly found in items like barometers, thermometers, thermostats, button batteries, electrical switches, HVAC equipment, fluorescent and neon lights, pharmaceuticals and medical products, old paints and pressure gauges, among other things. Mercury can get into your bloodstream when inhaled as vapour, through ingestion or even direct contact with your skin, causing different conditions like:

  1. Birth defects, miscarriages and infertility
  2. Brain damage, insomnia and memory loss
  3. Nervous system damage
  4. Diarrhea, vomiting and loss of appetite
  5. Fatigue
  6. Kidney damage
  7. Respiratory problems

If you have any lead-containing items or materials on your property, these professionals can help with safe removal and proper disposal. They have superior equipment that can handle even extremely complex removal tasks.

These professionals can also provide you with great mould removal and remediation, as well as interior demolition services. They carry out these services in a manner that will not damage the environment or pose risks to people. Moreover, their services are timely, reliable and quite affordable. In case you need the best lead, mercury, mould or even asbestos removal in Edmonton, these specialists have the right equipment, skills and experience to get that job perfectly done.

Tips To Avoid Scam Locksmiths

Over the past couple of decades, the internet has proven to be of great help. It has revolutionized businesses and made the world a smaller place. So much good has come from its creation. However, in the recent past, some bad seeds have been misusing the internet. Most of these individuals have been scamming people for their hard-earned money. They pose as legitimate companies and service providers. Some have even posed as reputable commercial locksmith companies.

For the client, the end user or receiver of the service, this is terrible news. It adds an aspect of mistrust and fear when using the internet to find the best commercial locksmith to handle a project. But before you freak out and vow never to use the internet to search for locksmith services again, below are a few tips to help keep the scam artists at bay.

Research, Research, Research

Before you even think of calling a locksmith to handle your Winnipeg car locks, you should research them. Perform a thorough background check and see if they are reputable. Confirm their office address and licensing. While having internet presence is key to operating a successful business in the 21st century, it does not negate the need for physical premises. A company that does not have an office should not be hired. They can easily disappear on you.


Yes, it’s time to put into practice all the observation skills you picked up from Sherlock Holmes’ movies. Being observant will help you notice when the technicians arrive in non-branded vans. Reputable and genuine locksmiths always operate in company vans. These are always branded. And do not fall for the line, ‘we are allowed to use personal vehicles.’

No locksmith will agree to this. Only con artists will arrive at your premises in an unmarked vehicle.

Upfront Pay

If you need your Winnipeg car locks repaired or replaced and the locksmith insists on getting payment before the service, there are high chances you are dealing with a con. You should never give in to these demands. As a matter of fact, tell the technician to take a hike and call in another professional.

No Credit Cards

Yes, what you see in movies is true. Scammers hate using credit cards. This leaves a paper trail and makes it easy to trace them. For this reason, they will only settle for debit cards or cash.



Look for a locksmith before even needing one

When you do not have the pressure of having something fixed or replaced, you have a better chance of sniffing out cons and scammers. You have breathing room and are not in a rush to find a technician. You can visit their office and research at your own pace.

Legit companies will always be ready and willing to provide you with licensing and insurance information. They will cooperate and ask that you pay them in installments. The last payment will be made once the project is complete. With these tips, you can consider yourself protected from a scammer.