GENERAL INSURANCE BLOG

Body gestures are a great way to communicate and express our feelings in addition to verbal communication. They are a great confidence booster and help us succeed in negotiations and win hearts.

However, not all body gestures leave a positive impact. Sometimes, unknowingly, we may adopt body gestures that may seem inappropriate to others. They may interpret a negative impression on the people around us and even make them uncomfortable and doubtful about us. As a result, we may lose out on negotiations and contracts due to such negative body gestures.

But, how can you differentiate between positive and negative gestures? Let us have a look at a few of such body gestures that may leave a negative impact.

1. Crossing arms across the chest or behind your back:
People tend to instantly notice crossed arms across your chest, whether you are standing or sitting. It gives an impression that you are annoyed, defensive, stubborn, and not open to communication. Crossing your arms behind your back means you want to cut the communication. Sometimes it also shows your lack of confidence, anger, or nervousness. Avoid these body gestures, especially if you are in the middle of an important negotiation or a meeting.

2. Slouched shoulders:
You should avoid slumping your shoulders or such posture in public. Poor posture conveys that you are irresponsible and lack confidence. People start doubting your ability to accomplish tasks. A straight posture can do wonders in public by giving a strong statement about your personality.

3. Avoidance of eye contact:
Eyes convey messages that even verbal communication cannot. Avoiding eye contact conveys that you are not interested in talking or do not want to associate positively with the person in front of you. It shows that you are not confident and maybe being dishonest.
Also, looking down or staring at your phone while talking to someone leaves a negative impression. It conveys that you are not attentive and don’t want to be a part of the conversation. Always maintain proper eye contact while talking to anyone. It helps to build a positive connection and keeps the person in front of you engaged in the conversation by acknowledging him with constant eye contact.

4. Improper use of objects:
People tend to hold an object in their hands while talking to someone. The constant clicking of a pen or fidgeting with some object in your hand during a conversation or a meeting can be distracting and annoying. Such gestures also show your lack of confidence, anxiety, and nervousness. The best action is to keep the object down or keep holding the pen without clicking it.

5. Proper spacing:
Getting too close to the person in front of you while talking is considered intimidating and disrespectful. It may result in the person in front of you backing off or ending the conversation midway. Always maintain an arm’s length distance with the person you’re talking to, especially if you are strangers or share a formal relationship.

6. Overuse of body gestures:
Overuse of anything is bad. Similarly, if we overuse our body gestures like, excessive use of hand movements can also leave a bad impression in the minds of people around us. It can make us look anxious and clueless. Always have proper control of your body gestures and do not overuse them.

The quicker you understand what gestures are the best for you, the better you will ace your personal and professional communications. Just like how positive body gestures can give you the confidence to tackle all situations, similarly maintaining good health can keep your body energetic at all times. Our well-being significantly impacts postures and gestures.

It becomes paramount for you to ensure that your health remains in the best shape, and the ways to achieve this are a good diet, proper sleep, regular exercise, and health insurance. Health insurance, how? Well, health insurance can protect you from the finances against uninvited adversities. Buy the best health insurance in India and make your life less stressful and more confident.

Click HERE to buy the best health insurance in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

With the increasing traffic and road accidents, taking a car insurance is imperative. However, car insurance premiums can be heavy on the insured person's pocket and make up most of the annual expenses if not considered carefully.

It is very confusing for most insured people whether they should make small claims like for a damaged bumper or broken tail lights. To answer this question, there are a few things to remember. In every claim made, the car owner must pay an amount called the deductible. Also, there is a no-claim bonus (NCB) which is a premium reduction by a certain percentage by the insurance company for a year where there are no claims by the policy holder.

This percentage grows bigger and bigger each year in which there are no claims, eventually reaching a maximum of 50%. So, sometimes where there are minor dents on your car, it makes sense to avoid claiming as you may lose out on a much bigger NCB. Also, if these claims keep repeating, the insurance company may label you as a risk and increase your premium even more than the original.

Here are a few tips to reduce your car insurance premium.

1. Increase the deductibles:
The most effective way of lowering your premium is to increase your deductibles over coverages. It makes no sense to pay an extremely high premium yearly, as the purpose of purchasing the policy becomes null.

2. Staying loyal pays off:
Loyalty to one insurance company will get you a higher ground than others. If there is more than one policy you might want to avail of the same insurer, the company might give you a much lower premium on the second.

3. Research and compare car insurance online:
A car insurance policy is technically a pre-discussed set of benefits for the insured. Thorough understanding and research are needed on car insurance to understand which features to avail of and which to opt-out.

4. Try to make reasonable claims:
Try to be as selective as possible with the claims you put forward to the company, as they might end up causing more harm than good.

5. The early bird gets the reward! Avoid letting your insurance lapse:
While being smart about things to lower your car insurance premium, it's also essential to be aware of what racks it up. By letting your car insurance lapse, you're not only letting go of the NCB you would've previously availed, but you're also taking upon the stress of planning out and purchasing a brand new plan with a penalty added.

6. Avoid car modifications:
Car modifications like expensive lights and fancy wheels can all increase your car premium drastically. However, if you're still interested in installing cool features in your car like ultrasonic sensors, night vision, etc., or any other modifications, be sure to inform your insurer before any claims as they might invalidate a claim based on this.

7. Installing anti-theft devices:
Installing anti-theft devices like alarms and steering locks in your car can significantly reduce your premium.

It's essential to be wise while selecting car insurance. Compare prices of different insurance policies and choose the optimum Car Insurance Online India . Follow the above ways to save on your car insurance premium and increase your chances of reaping huge benefits during adverse situations.

Click HERE to know more about car insurance online India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Crime rates are increasing every passing day, and it has become necessary for everyone to consider personal safety at all times. Be it going to the school, office, movie halls, or public transport, people are being told to be cautious concerning themselves and their belongings.

One lesser talked about safety concern is safety during driving. There have been various instances of robbery, mugging, and break-ins, and it is best to learn how to be safe during these times.

This article will look at all the things you need to take care of while driving and how you can prevent attacks and crimes against you while going.

1. Check where you park:
Parking a car in a country like India can be highly challenging. With people flogging the streets at all times, there are barely any parking spots left. Under these circumstances, do not park your car in unsecured places. Always lock your steering completely because thieves find it challenging to manoeuvre, and more often than not, they will not try stealing a steering-locked car.
However, if you have parked your car in a parking spot away from the public eye or in an underground garage, look below the car. Attackers and thieves generally hide under the vehicle and wait for the perfect time to launch an attack. Remember to keep a safe distance from your vehicle before checking under the car.

2. Lock your car:
Remember to lock your car even if you are stepping out for a minute. Thieves are always on the lookout for situations like these. Lock your doors properly even when you are stepping out to make a quick payment at the petrol pump. If you use a central locking system, then it is best to check the locks after locking your car.
Thieves use jammers to interrupt the signal emitted from the remote key, enabling easy access to them. Try the door handle before leaving the parking premise. Another important thing to remember is to keep the windows entirely closed. Even slightly opened windows allow easy access to the car's interiors.

3. Do not open the cars to strangers:
Have you ever come across a passer-by curious to know the direction? In most cases, they are genuine people looking for a way to reach their destinations. But there have been instances of snatching and robbery in situations like these.
Never keep the windows open on heavily congested roads, and never open your car doors or windows for roadside vendors. If you intend to leave your car, never leave your belongings inside the car. If you want to leave things behind, put them in the boot space or under the seat to avoid a clear visual range of your belongings.

4. Added layers of security:
Technology has advanced so much in the past few years that there are readily available security devices in the market to ensure better safety of yourself and your car. Equipment like the steering wheel, gear locks, tracking devices, and cameras are some of the more common technical gadgets that will keep thieves away from your vehicle.
Some modern cars provide an internet connection feature that helps you keep connected with your car through mobile apps where you can turn on and turn off your ignition, be notified if the car is opened, and get updates about the door locks with the tip of your finger.

These are a few ways to ensure your safety during driving. However, if you live in an area susceptible to theft and vandalism, getting an appropriate add-on from your MOTOR INSURANCE COMPANY IN INDIA is a good idea. Under this cover, your motor insurance company will cover the cost of theft of your car and sometimes your belongings. Be responsible and invest in a safer ride by purchasing reliable motor insurance today.

Click HERE to learn more about the motor insurance company in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The COVID-19 pandemic has been a tumultuous time for the globe, and it is no surprise that we were not ready to deal with a pandemic of this scale. It has been a trying time for everyone involved, including doctors, nurses, frontline workers, and the general public.

The global economy has taken a massive hit in the past two years of the pandemic. Businesses all around the globe are trying to figure out a way to stay afloat in these trying times, and many of them have turned to insurance companies seeking clarification for the clause called "Act of God."

While this term may seem facetious at first, an act of God used to be an actual insurance term. Although it's not commonly used in policies, an act of God is used as a term to describe natural calamities outside human control. This can range from floods, cyclones, earthquakes, typhoons, tornadoes, storms, etc. An Act of God can also be described as an event that cannot be prevented by reasonable care.

As you may have already deduced, this term is vague and does not provide clear antecedents of what businesses can claim. Insurance providers mention the disasters covered or excluded to avoid this confusion. However, being faced with this horrific pandemic that has closed down businesses and decreased revenue drastically, companies and small traders are looking for an insurance policy that will cover the revenue lost because of the pandemic.

What policies cover diseases like COVID-19?
With business owners getting desperate to stay afloat, here are the policies that generally cover or exclude disasters like the current situation:
1. General liability insurance: This policy might help with lawsuits about exposing employees, customers, or clients to the virus.
2. Worker's compensation pay: This may cover the workers' medical costs for an infectious disease such as coronavirus.

Should you be concerned about lawsuits related to COVID-19?
It's improbable for a business to be sued over a global pandemic. However, it can be sued against the negligence of its employees in following COVID guidelines or for professional negligence regarding project delays or cancellations. In this time of financial insecurity, this can be a massive liability to the company. The best way to protect your business against these scenarios is by including these in your contract with the client.

Force Majeure to the rescue.
Force Majeure clauses, like acts of God, is a relatively vague term in insurance. It relieves your business from contractual obligations under natural calamities, pandemics, or other uncontrollable events. Another significant advantage of this clause is that it clears your business from responsibility to fulfill contractual obligations in the case of armed unrest, conflicts, etc.
It can provide optimum protection in case meeting deadlines is impossible. However, suppose the client has a high-stakes project with your company, there is a high possibility that they'll ask for a narrower definition of Force Majeure that may exclude certain disasters.

There is a lot of philosophical discourse about whether COVID was an act of God, and the debate can go on for decades, but the truth is, there are a lot of businesses unable to cope with this deadly pandemic. Stores have shut down, and people's dream businesses have been halted. This has been a trying time for everyone, and some insurance policies might help. Research Public Liability Insurance In India to get optimum protection for your business and safeguard it against unexpected financial losses.

Click HERE to know more about public liability insurance in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

All businesses people are constantly conscious about managing finance and cash flow. With this unpredictability surrounding your business, it is stressful to consider other factors that may drain significant money. For instance, if a customer gets hurt within your company premises, let us say rolls their ankle because your floor is slippery, you might be liable to pay their medical expenses or the expenses of a lawyer or an investigating officer.

As you might know, these expenses quickly cut a hole in your pocket and might leave your business bankrupt. Opting for public liability insurance is best to avoid these unforeseen problems.

It offers optimum protection to a business, a contractor, an event, or even a person from any legal charges that they might be liable for in case of injury, bodily harm, loss or damage to property, or even death of a third party resulting from their negligence.

This blog aims to give you an insight into public liability insurance and its types to decide on a suitable choice for your business.

Does your business require public liability insurance?

Businesses that constantly interact with customers and the general public are in great need of this type of insurance. Industrial as well as non-industrial organisations require this. It is especially recommended to doctors, hospitals, and IT-intensive businesses as they are constantly handling their customer's assets.

Moreover, even if you're an online business and use third-party sites or companies to deliver your products, you must invest in public liability insurance to avoid legal fees ensuing from any mishaps that might occur during the delivery of your products.

What does public liability insurance cover?

Public liability insurance covers any expense incurred by your business when a third party is harmed in any way in connection to your business. This includes-

1. Legal fees, settlements, and investigations: If your business is facing a lawsuit due to harm to a third party, this policy will cover the expenses of the attorney and the investigating officer and any settlements, if necessary.
2. Medical expenses: If the third party faces any bodily harm inside your premises or any negligence on your or your employee's behalf, this policy will cover the medical expenses incurred.
3. Personal injury: This policy also covers any legal expenses against slander, wrongful entry, and other offences.
4. Property damages: A third party might sue you for property damage. This is also covered under public liability insurance.

Public liability insurance is more limited than other insurance policies, promising more affordability but less coverage and payouts. It also does not cover professional errors, your business property damage, or any damage out of a war-like situation.

Types of public liability insurance:
1. Public liability for manufacturing units such as warehouses and godowns.
2. There is public liability coverage, especially for non-manufacturing units such as hospitals, doctors, banks, or other BPOs which are in direct contact with the general public.
3. Businesses that deal with hazardous substances are also covered under the Public Liability Insurance Act of 1991 to provide immediate relief to those harmed by accidents related to these hazardous substances.

This insurance can be extended to cover legal expenses arising out of other eventualities, including:
1. Natural calamities
2. Transportation of treated effluents
3. Sudden and accidental pollution

Unexpected financial losses are the biggest concerns for any business owner. There is a constant fear of an unforeseen accident happening to the third party and their financial impacts. This policy reduces a lot of the stress on business owners. Do proper research of public liability insurance prices to understand the rate and payouts insurance policies can provide you.

Click HERE to know more about public liability insurance prices.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Monkeypox is a health concern registered under the World Health Organization (WHO) radar. And the scale of its transmission and the number of countries that have active Monkeypox cases has led the WHO to declare it as a Public Health Emergency of International Concern (PHEIC). The infections have now spread over to more than forty countries across the globe, and sadly, India is on the list.

While there are different opinions of doctors, scientists, and medical researchers around the world as to whether or not, Monkeypox would take the shape of another pandemic like the Covid-19 virus. It would be foolish of us not to take the infections seriously and be educated about them to ensure that we can stay safe and take all the proper measures if one gets affected.

This blog will help you seek answers to all your queries and shed some light on other related information.

1. What is Monkeypox?
Despite the name having the term “monkey” in it, monkeys are not the original hosts of the Monkeypox virus. The actual hosts are considered to be the species of African rodents such as African squirrels, dormice, etc. Scientists have found that the virus is an enveloped, double-stranded DNA virus with around 190 kb of genome size. Monkeypox virus and smallpox virus belong to the same family.
Besides the outbreak in 2022, Monkeypox cases have been discovered in various Central and western African regions and countries. The first human case of Monkeypox infection was found in the year 1970. This disease is usually spread through imported animals or with people who have a history of international travel and came in contact with such animals who are the primary carriers of this virus.

2. What are the symptoms?
Well, the symptoms of an infected person would include muscle and back aches, fever, severe headache, exhaustion, chills, swollen lymph nodes, rashes which might look like ordinary blisters or pimples appearing inside the mouth, on the face, on the legs, hands, feet, genitals and other parts of your body. Monkeypox symptoms are pretty similar to the symptoms of smallpox, but they are milder in comparison.

3. What about its transmissibility?
Monkeypox can spread among people in different ways, which include being in direct contact with scratches, bites, infectious scabs, or using or even coming in touch with the used properties of infected people like bed sheets, clothes, etc. A pregnant person can infect their fetus through the placenta. Other forms of transmissibility include contact with infected animals or their rashes or consuming meat products of the said infected animals.

4. What preventive measures should you take?
You must avoid physical contact with infected people or any rashes that might look like Monkeypox. Ensure you don’t come in contact with their rashes or scabs and do not share their items of use. Wash your hands frequently and use alcohol-based sanitisers, which are medically approved. Ask the infected person to isolate and separate their items and stay away from the pets.

5. Is this disease curable?
Yes, in most cases, the infected person has noticed that the infection lasts for up to 3 to 4 weeks. Monkeypox is curable, and mainly the symptoms subside on their own after a few weeks. Patients can get treatment with antivirals to avoid the risks of viral infections.

6. Is this disease fatal?
There are no such cases of fatality reported due to Monkeypox. This infection is not fatal and is milder than smallpox.

These were some important points about understanding Monkeypox and how you can protect yourself. Times are stressful, and viruses keep popping up now and then. Health emergencies never give a warning, so we must stay prepared. And one of the ways to accomplish that is to get health insurance so that in times of need, you can focus on the recovery of the patient without the slightest worry about the finances. Explore all the available options and purchase insurance from the best Health Insurance Company In India , which will suit your requirements.

Click HERE to learn more about the benefits of the best health insurance company in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Everyone wishes to open up their venture someday. Entrepreneurship is taking a tight grip globally and even more so in India. We have hit almost a century in the number of unicorn start-ups, and have been escalating quickly. Apart from the start-up cities like Bengaluru, Mumbai, Delhi, and Hyderabad, there are people from various towns across the country aspiring to do their businesses. Some of them own small businesses, which they can manage on their own or with the help of a small team. There are various aspects of running a small business, and it should not be considered easy to manage and run the show.

But what kind of insurance do small businesses need? Do they need public liability insurance? If yes, then why? How will the insurance benefit them in times of need? Are you looking for these answers and some more information on the subject? This blog will discuss everything about why small businesses need public liability insurance. So, without any further ado, let’s begin.

1. What is the importance of public liability insurance?
Public liability insurance helps you go about your legal business deals and operations without worry. It assures the management of unprecedented circumstances adequately and enables you to deal with the unpredictability of life in a less stressful way.
Public liability insurance also releases you from the stress regarding the payment and compensation of workers and their families in case they get hurt within the company premises or face serious injuries or death at work. All in all, public liability insurance can deal with work-related catastrophes to third parties efficiently.

2. Why do small businesses need liability insurance?
Big or small businesses, everyone must purchase liability insurance. This insurance protects the owners against unfortunate situations where someone is wrongfully accusing them of malpractices or other offences. One can register claims if some worker or employee gets injured in the line of business or there are any settlements to be made, or there are severe damages to the business property.
You can efficiently perform damage control when stuck in potentially harmful circumstances, including damage, injuries, fraud, and copyright infringement, to name a few. But make sure you go through the risks, exceptions, and coverage plans before you claim to stay on top of the situation.

3. What kind of coverage does public liability insurance provide?
You can claim work injuries or business infrastructure damage under the Corporate Insurance Policy. If your business’ name is being wrongfully accused and there is an attempt to tarnish your name through unfair practices, you can claim it as “maligning of reputation.” Any false advertisements, copyright content, or material used against your business can claim it as a commercial error under public liability insurance.
Damage to property claims also includes damage caused to rented property. Damage can be natural, artificial, or hazardous; you can still make a clear claim. You may also claim the treatment costs for injuries caused in the workplace under the insurance.

It would be best if you were mindful of the things that have been excluded from the public liability insurance coverage. They include pollution damage or pollutants emitted from your business operations, eventually causing harm to the environment and the ecosystem of the resources. For any particular loss incurred due to your products, personal liabilities, and intentional damage to properties, ensure you check with your insurance provider about the exclusions and other terms to stay informed.

You must purchase public liability insurance to protect your business, no matter how big or small it is. Your business is your primary income source, and it helps sustain yourself and your family. It is wise to keep your business afloat and purchase the Best Public Liability Insurance India to protect your business against any odd and maligning circumstances that can potentially cause financial destruction. Always be prepared! It takes a lot of sweat and patience to build a business. Don’t let any mishap turn it to dust.

Click HERE to learn more about purchasing the best public liability insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Two-wheelers have been around for decades now. Once considered a symbol of status and background, now two-wheelers are vehicles of convenience. They help you run your daily errands, commute to work and other work locations, go for long drives, and several other purposes. Every year, different two-wheeler manufacturing companies release new models and versions of previous models with improvised features.

They conduct a market survey and analyse customers' demands who have been using two-wheelers for a long time. With the advancement in technology, different features and systems have been included in the two-wheelers to make them more efficient, fuel-saving, stylish, practical, and convenient.

Customers invest a lot of time and get influenced by several factors when determining which two-wheeler they want to purchase. Everyone wants to buy a trendy two-wheeler with multiple features that help make it more convenient, efficient, and within their budget. But how do you differentiate the demands of customers every year? What factors influence the needs of two-wheeler users and potential consumers? This blog will discuss the answers to all the above questions.

1. Improvised anti-lock braking system:
An anti-lock braking system is a modern technology development curated for two-wheelers for safety purposes. The ABS helps in monitoring the rotation of the wheels of the bike.
An efficient anti-lock braking system helps the tyres stay in contact with the surface whenever the two-wheeler rider uses the brakes. This helps avoid wheel skidding, spinning, or unrestricted slipping accidents. The entire purpose, as explained, is why this system is called an anti-lock braking system.

2. Tyres with excellent performance:
We cannot stress how much tyres can help to increase the bike's efficiency and performance. They are considered one of the essential mechanical parts after the engine of the vehicle. The engine's power is channelled into execution by the tyres, which happens in fractions of a second.
This high and fast execution level is why high-performance tyres are needed in a two-wheeler. And the modern vehicles are launched with superior quality tyres, thus enhancing the appeal and helping with improved grip and traction capabilities.

3. The body of the two-wheeler:
Vehicles with improved fuel injection systems also require bodywork that can be sensible aerodynamically. Lightweight materials are used to achieve an aerodynamic shape of the two-wheeler, which ensures a smooth riding experience while keeping the safety quotient intact.
The air resistance reduction capabilities of the aerodynamic structure of the vehicles have smoothened the entire riding affair in the new models.

Other features the customers look forward to are improved quality and framework of chassis and suspension, enhanced fuel efficiency, engines with liquid cooling capacity, traction control systems, slipper clutches, and several others.

We hope that this blog catered to a lot of questions you had about the consumer demands and how different features help improve the bike's quality and can prove to be the differentiators in buying a particular two-wheeler. And in the interest of learning about two-wheelers, you must also understand the importance of protecting your vehicle if you land in chaotic situations. Accidents never warn you before they occur.

So, it is a wise option to be financially prepared to focus on the situation and not worry about the money. This is why one must get 2 wheeler insurance. You can explore all your options from the comfort of your home and purchase 2 Wheeler Insurance Online to save time, money, and energy. Buying 2 wheeler insurance online will reward you with good premiums and a hassle-free process of getting it issued.

Click HERE to know more about the benefits of buying 2 wheeler insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.