What do you consider when you buying commercial insurance?

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Commercial insurance is a business owner’s largest expense. There are so many coverage plans available for businesses owners. Make sure you do your homework when purchasing. Don’t rush your decision. There are some things you need to consider when you are buying commercial insurance: what you are required to insure, what extra coverage is available and where to purchase your policies.

Required insurance policies
According to what type of business you have will determine what is actually required. First determine if any loans or contracts you have required certain types of insurance. Here are some examples:

General liability is often required by vendors that your business works with, state government sometimes requires it. Workers compensation is required by state government to protect you and your employees if they get hurt at work. The bank that holds your mortgage requires property insurance. Your landlord can require it if you own a commercial place. Commercial auto insurance in most states is required for a business to operate vehicles. Excess liability or commercial umbrella insurance is where some vendors require policies for which you work to cover losses that exceed underlying policies.

Extra Coverage to Consider
When you have gotten the idea of what commercial insurance you need for your business, it’s time to take a look at what some of the more common ones. Professional liability cover’s up your business’ mistakes or if you are sued for services you provide. Employment practices liability protects all businesses when legal actions take place such as harassment, discrimination or wrongful termination. Some people think this liability is just a white-collar business coverage; it actually benefits a wide variety of companies. Directors and officers liability is used to protect a company’s officers and board directors pertaining to their performance or duties as it relates to the company.

Where to Buy Cheap Commercial Material
An independent agent can take a lot of the work out of the insurance process. Agents can also represent multiple agencies that way they can compare different commercial quotes.

How much Does Commercial Cost
If you like for your insurance to be cheap there are a few factors that go into making that happen. The level of risk determines your cost your company is exposed to and what kind of business you have. Your insurance can be a few hundred dollars or a few thousand dollars. If your insurance is cheap, your exposures to risk should be minimized as much as possible.

David Ison has been servicing the commercial insurance needs of many businesses. He has years of experience and is willing to help you get the right choice. For your commercial insurance needs call David Ison at 1(800)563-0171.

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Choosing Tile As Flooring For Your Home

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If you have decided to choose tile flooring as the type of flooring you want for your home, then you’re in luck. Tile flooring is manufactured from a variety of materials such as clay, stone, metal, terrazzo and quartz. Here is a helpful guide as to what the main types of ceramic flooring are and some useful information about them.

The first type of tile flooring and arguably the most common is Ceramic tile. This type of tile is manufactured from clay materials that are quarried, prepared, and folded into a mold. There are several common folding methods for ceramic tile, including dry press, extruded, and slush mold. The dry press forming method involves a mixture of dry material being pressed into a mold under extreme pressure.

Extruded ceramic tile is formed when a mixture of slightly wet material is extruded into a very particular mold. Slush mold is a forming method in which a mixture of very wet material is poured into a mold and then hardened in a kiln at an extremely high temperature.

You can label Ceramic tile into two categories: Porcelain and Non-Porcelain. Traditional ceramic tile is non-porcelain and is made from red, white, or brown clay, as well as other materials. Porcelain ceramic tile is made from clay and minerals as well, but also contains 50% of a white dust called feldspar.

Porcelain and non-porcelain ceramic tile can be either unglazed or glazed. Glazed tile has a matte, semi-gloss, or high-gloss finish applied to the surface during the manufacturing process. In the past, glazed tile was kiln-fired twice, once to harden the tile mold and a second time to harden the glaze. Today, in addition to double-fired ceramic tiles, an automated single-fired manufacturing process called Monocuttura hardens a glazed mold in one step. Glazed tiles have increased stain resistance, scratch resistance, and traction, as well as decreased water absorption, in comparison to an unglazed tile.

Natural stone tile is produced from natural materials that are quarried, slabbed, finished, and cut to size. Common types of stone used as flooring tile include granite, marble, limestone (including travertine), and slate. Among these types of natural stone are thousands of varieties with characteristics that depend on where and when the stone was quarried.

If you are curious about any more information regarding tile and tile flooring, call Grigsby’s Carpet, Tile and Rug .Gallery today at 918-627-6996

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Laminate versus Hardwood Flooring

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When deciding what type of flooring to get, there are various factors to consider. For every household it is different because of what is in your house. Do you have pets? Do you have children? These are things that you have to consider before making such a large investment. Here are some of the various pros and cons of having hardwood and laminated floors.

The reality of flooring costs and what you can afford may be quite farther apart. Take into consideration the cost of laminate and hardwood flooring to determine what is best for you. Laminate wood flooring is made from composite wood pressed together at high temperatures. The photograph, or image of hardwood is then covered over the composite wood to form the laminate. It is because of this that laminate is much cheaper. This wood installation cost is on average fifty percent less costly than hardwood.

Hardwood flooring is made from harvested trees and depending on how exotic the trees are will give you a good picture as to how expensive they will be. But while the price is higher, there are some noticeable benefits that hardwood floors add to your home. Hardwood is an absolutely gorgeous flooring option and looks considerably better than laminate. While Laminate is a bit more durable and not as visually appealing, it gets the job done and is definitely an option if you are looking to buy flooring on a tight budget.

The next aspect to consider is repairing. This is one component of your home that is inevitably going to have to be repaired at least once. Laminate and hardwood have separate pros and cons. The thing about laminate is that it doesn’t repair very easily. If you buy flooring that comes in individual pieces and snapped together, you may be able to replace it. And depending on sunlight and age, the new piece may not match correctly with the rest of your flooring.

On the other hand, hardwood floors can be replaced fairly easily by simply sanding and refinishing out imperfections. The thing about hardwood is that while it is more expensive, it lasts longer than laminate so you yield longer benefits over a longer period of time.

If you still have questions on what type of flooring to pick, call Grigsby’s Carpet, Tile, and Rug Gallery today at 918-627-6996.

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How to Do Carpet Stretching Yourself

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Stretching new room carpet during installation really secures your carpet to the floor, and removes lumps and waves and will also reduce the chances of damage to the carpet. A carpet that is properly stretched will not bunch or scoot when you try to move furniture and other heavy objects on the floor. If you don’t have your carpet stretched, there is a high chance that you will have to deal with rips and tears in your flooring. Here is a guide that can help you Stretch your carpet, allowing it to live a longer life.

Firstly, adjust a knee kicker, a tool for stretching the carpet, on a scrap piece of carpet. The teeth of it should grab the carpet backing, but not puncture it. Turn the adjustment knob clockwise to lower the teeth to adjust this setting properly.

Place the head of the kicker about an inch away from the first wall you are planning to stretch the carpet against. Use your hand to hold the carpet against the tack strips along the floor to keep it from lifting too much. As you move around the room, secure the carpet to the tack strips.

Next, wrap two or three foot piece scrap two by fours into the carpet padding. Use some type of tape, preferably duct tape to secure it around the board. Take this wrapped board against the wall and put it across the next part of the wall you are going to stretch.

Adjust a power stretcher’s tooth bite on a piece of scrap carpet. The teeth on the power stretcher’s head should bite into the backing of the carpet, but not penetrate the backing. Turn the knob on the head of the stretcher in a clockwise motion to lower, and do the opposite to raise the teeth.

Push down the handle to stretch the carpet against the wall. Use the side of a hammer or some hard surface to push the carpet onto the strips along the floor edge.

Run a carpet knife or carpet trimmer along the wall to trim the excess carpet from the floor. Next, position a stair tool between the wall and the edge of the carpet. Strike the handle of the tool with a hammer and tuck the edge beneath the base of the board and do the same around the perimeter of the room.

If you are not comfortable doing this yourself, call Omaha Carpet Cleaning today at 402-917-3049.

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Important Transmission Problems To Be Aware Of

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If you drive a car that has automatic transmission, you may have already thought about what would happen if the transmission ever failed. Here are some fairly common signs that you probably shouldn’t ignore, as these will dearly cost you in the future.

Slippage is a common transmission problem that people tend to overlook. If your transmission is slipping, it can feel like you’re driving in a certain gear and then it changes for no apparent reason. The noise from the engine may change in pitch or start to sound like whining. Your car may also seem like it is struggling, is underpowered, or isn’t accelerating like it should.

Another problem is having rough shifts. Your car may feel like its refusing to shift gears as it normally would do, or the gear shifts aren’t really that smooth. Sometimes you may hear a clunk when the car shifts gears.

While it is impossible to say exactly what your transmission will sound like when there is trouble with the transmission, there will be a definite reaction from you, which will be “I’ve sure never heard that sound before!”. Most likely though you will hear a humming, buzzing, or whining noise. Cars with manual transmission will emit a sound that can be described as a more slightly mechanical, louder, and abrupt sounding noise.

A leak is probably the most recognizable symptom. Letting transmission fluid leak is one of the most common causes of transmission breakdown. Without transmission fluid, the engine in your car will seize up and stop working completely.

Your transmission is supposed to run smoothly without any shaking, jerking, or grinding sounds. Manual transmissions commonly indicate problems by making a grinding noise or feeling when you shift into a gear. On the other hand, automatic transmissions act a little differently. Instead of making a grinding noise, you will feel it take some time to wiggle into gear at first instead of a smooth transition.

Another common problem to be aware of is a burning smell. Any burning smell coming from your car is indubitably a cause for concern. Overheating transmission fluid is one cause of such a burning smell. Transmission fluid helps keep the parts lubricated and cooled so that they don’t get worn out or damaged.

Be mindful of your transmission problems as soon as possible, as the longer you wait, the more you’ll pay. Call Denver Transmission today at 303-478-8131.

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Improving School Security

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School security is essential. Improving school security means taking a holistic approach to seeing the school as a vital asset and developing a partnership among teachers, students, parents and the community.

It is very important to instill the importance to students of going to an adult for help. One of the first lines of defense in defending a school against crimes, gangs, and terror attacks are the students. If a student hears, sees or knows about situations in which other students will become prone to violence, they must be given a safe and anonymous method to be able to report information.

Students must be taught to be vigilant, looking and reporting any strangers they see near the school who are acting suspicious. If they see an object unattended, make sure there is a method in place for alerting police and appropriate authorities. Teach students, at their level of comprehension, some basic psychology so they can identify when a peer is depressed or prone to violence.

Monitoring and reporting is also incredibly important. Parents should be aware of any changes in their children in terms of behavior.

Training teachers to spot precursors to violent behavior is very important as well. Depression, anger, suicidal tendencies, and peer pressure are subjects that teachers have in the past had to avoid since parents and administrators felt were becoming too close and personal issues. Provide an outlet so teachers can address these issues with social workers or professionals who can work with students in resolving crises before they escalate.

Understand that school security is not something that should be put on the backburner when it comes to budget. Administrators must allocate recourses for guards, fencing, surveillance of school grounds, and local community involvement in protecting the school. Rather than taking an attitude and not mentioning potential problems due to wanting to scare the members of the community, it’s much more beneficial to instill a feeling of preparedness and security.
Most importantly, hire security professionals. Have a security personal examine the school and provide recommendations for how security can be improved in the school. Schools should hire a security professional to provide appropriate recourses to keep students, teachers and everyone involved as safe as possible.

If you have any questions about security or are looking to hire a group of security professionals, look no further than First Class Security. With over several years of experience, they will offer the best security for your school or business. Call today at 615-656-3300.

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What To Look For When Selecting A Security Provider

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Having a safe and secure business is critical, considering your business is an incredibly valuable asset in and of itself. Choosing a security provider is an important decision that demands special care and is paid to some vital issues. There are several key issues to assess when selecting your security services partner.

The first important issue to look for when searching for a security provider is a partnering mindset. Determine if the security services company maintains site security standards that address the client’s mission, culture, and its priorities. They also must be focused on the employee’s needs.

The next important aspect to look for is employee retention. Quality security companies make this happen by establishing employee retention programs and a culture of excellence. Security officers and managers who are motivated are loyal to their employer and their job as well.

It is also important for security service firms to train their employees to be prepared in the course of their duties. Properly trained officer’s function with confidence will become satisfied with their work. The best security officer firms train their officers properly as it is essential for them to be servicing their clients to the best of their ability.

Here are some steps that will help you decide on a long time partner for your business. Firstly, build a selection team. The next step is to properly identify needed improvements. Reviewing your current program will help identify areas in need for improvement. Be sure to prioritize your objectives. Knowing what your specific businesses objectives are will help you select a firm that can meet your needs. Find the right experience. While every security program is unique, finding a provider with the right type of experience is important in identifying which provider is the best for you.

A successful relationship with a contract security provider is one based on trust, mutual goals and communication. Establish goals and objectives for both you and your contract provider and participate in regular reviews of the new security program in order to recognize milestones, make adjustments and recognize the exemplary efforts of the security staff. A high quality contract security provider is one who views security as a team effort and truly believes in and is dedicated to the safety and security of your employees and assets. That commitment will be evident in the company’s practices and training programs, as well as their ability to customize services to meet your individual needs. Call First Class Security today at 615-656-3300.

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Automatic and Automated Transmission

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These two terms, when it comes to transmissions, are often used interchangeably, which is false. Automatic transmission and automated manual transmissions are completely different types of equipment. The most critical difference is the automatic transmission uses a torque convertor rather than a typical two-plate manually activated clutch. Here are some key similarities and differences that any driver should be aware of.

One of the big differences between an automated and automatic transmission is that automatic transmissions use the same set of gears to produce all of the different gear ratios. A planetary gearset makes this function possible.

Rather than a traditional gearshift as in the case of a manual transmission, the ratios in a planetary gear rotate, driven through a set of clutches that make the planetary ratios change.

This then becomes a gear shift, but because the input shaft passes through a hydraulic torque converter, the engine does not have to decelerate during a gear change. The engine turns a turbine inside the torque convertor housing at the front of the transmission. The torque is then transmitted through the planetary gears to the output shaft, which drives the wheels.

The gear ratios are actually determined by the number of teeth on the gears inside the planetary gears, and which of those gears is actually in use. Automatics are also used in heavy trucks, which typically have five to six forward speeds, and one reverse speed.

Automated transmissions are a standard manual gearbox with electrical servos that automatically execute gear changes and manage the clutch. Beyond the electric control and actuation of the gear changes, the manual is not much different from its fully manual siblings.

The manual transmission engages and disengages different sets of gears on two countershafts linked to the output shaft to create various gear ratios.

The gear steps are more or less equally spaced to improve the predictability of a gear change for the driver. Multi speed manuals such as 13 and 18 speed models have a close gear step to permit better matching of engine to road speed. Generally, North American manuals have 8-18 gear ratios, plus a two or three range reverse gear.

If you have any questions regarding both automatic and automated transmissions, and simply just transmissions in general, call Grisham Transmission today. With over several years in the transmission industry, they have the required experience it takes to tackle any transmission or car problem. Contact them today at 615-226-2789.

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Transmission Repair Guide

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It really stinks when you have to repair a certain part of your vehicle when it breaks. Probably one of the most difficult to repair is the transmission, as there is no other part of the engine that is more complex. The transmission is responsible for shifting gears to quickly change the speed to torque ratio in order to deliver power to your wheels, allowing your car to move.

Finding the symptoms of your car problems can be tricky, but regularly changing your car’s transmission fluid or getting the transmission flushed will mitigate the damage or just get rid of any problems you are having all together. Some of the signs to look for are the transmission slipping in between gears while driving or popping back to neutral. There may be an unusual grinding or clunking nose, so be mindful of that. Your clutch may also be dragging, which means the clutch is staying engaged and causing grinding noises when trying to shift.

If your transmission does begin to fail in some shape or form, or just simply stops working, mechanics will usually recommend a replacement or some amount of repairs. Each type of repair has different procedures and costs associated with it. If problems are caught earlier than later, you will find that the minor repairs are much more budget friendly as they usually do not require complete removal or disassembling or replacement of hard parts.

There are several factors that play into how much your transmission repair could cost. The make or model of the vehicle is very important. If the transmission needs to be replaced or rebuilt, you can expect to pay several thousand for parts and for the skilled labor, while minor repairs and a fluid change can cost less than a couple of hundred dollars.

The extent of the damage also plays into how much the repair will cost. What type of conditions the car has been through can also affect the price, as newer cars that have been well maintained will cost less than those that have been through tougher times.

The driver’s location contributes greatly to the overall cost of the procedure. Areas that have a higher cost of living, higher demand of services, or lower availability of skilled technicians will charger even more for labor costs, which will increase the overall price. Call Grisham’s Transmission Center today for more information at 615-226-2789.

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Easy Returns with Online Shopping

One of the main concerns potential online shoppers have about the process of shopping online is whether or not it will be possible to return items which were purchased online. This is certainly a valid concern but fortunately for these wary shoppers making returns when online shopping is not very difficult. There are usually a few different options for making returns when online shopping. However, online shoppers should always be aware of return policies before they make an online purchase. This article will discuss a couple of the options for making returns when online shopping including returning the items to a traditional store and shipping the items back to the online retailer.

Returning Online Purchases to a Traditional Store

Online retailers who also have traditional stores often allow consumers to return items to the regular store instead of having to ship the item back to the online retailer. This is generally an option for large retailers who have a number of stores available. Consumers may want to purchase an item online for a number of reasons. The consumer may wish to make the purchase online because the item is not currently in stock at a local store, because the local store does not carry the item or simply because ordering the item online is more convenient for the consumer. Still other consumers may opt to purchase the item online because the online retailer does not have a traditional store located near the consumer. In these cases the consumer would likely opt to ship the item back to the online retailer. However, in the other cases, as long as it is convenient, the consumer may wish to simply return the item to a traditional store.

The process of returning items purchased online to a traditional store is often as simple as making a return on an item that was not purchased online. The consumer may simply have to bring the item with its original packaging and the receipt to the store. The consumer may then be able to receive an exchange, store credit or a refund depending on the store’s policy. As with any return there may be rules which apply to whether or not the store will take back the item. These rules may vary from store to store and even with different items purchased from the same store so the consumer should verify these policies before making the purchase.

Other Options for Returning Online Purchases

Consumers who make a purchase online and are dissatisfied with the purchase for any reason may have a number of options available to them for making returns. One of these options is shipping the items back to the online retailer directly. However, there are a number of ways in which this option can be accomplished. In some cases the consumer is responsible for shipping the item back to the online retailer and assumes the financial responsibility for the shipping. This is usually the case when the consumer wishes the return the item for reasons such as changing his mind about the purchase or purchasing the wrong item. However, in cases where the item purchased from an online retailer is defective or the retailer shipped the wrong item, the online retailer may assume the financial responsibility for having the item shipped. In some cases, the online retailer will mail the consumer a pre-paid packing slip while in other cases the online retailer will arrange to have the package picked up from the consumer’s home.

Understanding Return Policies when Online Shopping

As previously mentioned the return policies can vary from one online retailer to the next and may even vary for different products purchased from the same online retailer. For this reason it is important for consumers to carefully review the return policies before making an online purchase. This is especially important if the consumer is unsure about the product and suspects it may be necessary to return the item. This may be the case with clothing items where the consumer may be unsure whether or not an item will fit. However, with any purchase there is the potential for the need to exchange the item so consumers should read the return policy carefully and inquire with the retailer if they have any questions about the policy before making a purchase.

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