• October 12th, 2018
  • Posted by athanne

Online Insurance Quotes

Online Insurance Quotes are now becoming the norm when one wants to purchase an insurance cover.  It has become a helping tool when trying to get what cover to purchase for various needs including, medical cover, auto insurance, home insurance, financial insurance and dozens of other products.

This has in turn forced primary insurance companies to have their presence online in order to serve customer’s inquiries. Getting Online Insurance Quotes has become the easiest option for users seeking insurance covers and it has worked well to serve to this end.

Online Insurance Quotes Online Insurance Quotes

Online Insurance Quotes

 What Online Insurance Quotes Entail

The aggregators of insurance services, where insurance quotes can be derived, are almost everywhere on the World Wide Web. It just takes a few minutes to Google appropriate words and thousands of results will be returned to you. Most common practice is to stick with the results that come up on the first page. This is a good indicator of what people are using to secure good Online Insurance Quotes.

The common feature usually, with Online Insurance Quote sites is that they will give you a general form to fill. What is on the form usually differs with the kind of insurance you are inquiring about. Then, once you submit the information, they will return with options to choose from. Some will supply your information to various providers and then the providers will personally contact you. Some will give you results based on what is in their database at the moment.

Although this is an easy way of getting Insurance Quotes Online, phone call follow ups is needed. Most of the time some offerings may not exactly reflect the quotes that come up on search Online Insurance Quote services.

 Advantages of Online Insurance Quotes

-        Saves time: It definitely saves you time. Rather than manually going to all of the service providers, filling in their forms and waiting for their response, you could get an Online Insurance Quote from one place and get over and done with the searching. Most of the services take minutes to get you results.

-        Saves money: Most companies that are on the online insurance quote services know that they are competing closely with rivals. This means that they would love to offer you packages that are competitive.

-        Gives a clearer picture: Comparing quotes from one glance might give you a clearer picture of what each company is offering and who has the advantage over the other. This in turn helps you to an easy decision making process.

-        Most wok with solid insurance companies: Most Online Insurance Quote sites would want to maintain their accountability and integrity online by working with formidable and known companies in the insurance sector. But whenever in doubt, you can always do your follow up on the reputations of such establishments.

-        Customer care can be sought online: This is one big advantage, that customer care can be sought online. This gives you an avenue to ask as many questions as possible to achieve a good policy cover.

-        Less paper work: Having your quotes digitally definitely means that you will avoid the clutter that comes with hard copy brochures and forms.

 Choosing a Suitable Provider from Online Insurance Quotes

It is sensible that you take your time to research on the companies that have been recommended to you. As pointed out earlier, most Online Insurance Quote sites work with well known insurance companies and hence, your worries of working with quacks can be averted. However, reading terms and conditions on their policies enhance your chances of getting good quotes. So whenever you are in need of an insurance policy, why don’t you avoid the hassle and opt for an Online Insurance Quote? And thus information of  Online Insurance Quotes

  • October 11th, 2018
  • Posted by athanne

Risk Transfer

Risk  Transfer can take two forms:

Transfer of activity that creates risks (usually through sub-contracting)

The transfer of the financial losses arising from the occurrence of the risk (usually through contract division) . Business Training in Kenya has more articles.

Forms of Risk Transfer

Transfer of the Activity

Transferring the activities has some advantages:

The specialist may be able to carry out the job more safely, being more experienced and skilled in that type of work.

A further reduction in the risk may flow from the specialist’s ability to use equipment which the principal may find uneconomical to utilize.

The principle may avoid the difficulties and the bad publicity that an accident or even mere carrying out the work itself may cause.

It must be clearly stated in the contract between the principal and the subcontractor that the subcontractor will be responsible for any loss which may arise out of the work.

The responsibility will embrace any loss to the principal or any claim that be brought against the principal by the third parties who may suffer injuries or damage arising either out of carrying out of the work by the subcontractor or because of any defect in the work he has performed or part he has produced which results in a defect final product or service supplied by the principal.

Transfer of Financial Losses

The transfer of the financial consequences of injury loss or damage from one party to a contract to another party by means of clauses in the contract is a common practice in relation to liability arising out of:

The sale or supply of goods and services whereby liability may arise out of injury, loss or damage caused by goods, negligent professional advice etc, infringements of patents copyright, the replacement of defective goods, and losses due to unsuitable goods having been sold.

The sale renting or leasing of property

Contractors or other persons entering and/ or working upon premises where liabilities may arise out of damage to the employer’s premises or injury to employees.

Injuries to third parties or damage to their property claims of nuisance, interference with rights of way, pollution, etc

These clauses come in the form of either exclusions clauses or indemnity clauses. To be effective such clauses:

Have to form part of a legally binding contract

The party seeking to take advantage of the clause must have brought it to the attention and obtained the agreement of the other party during the negotiations leading up to the contract. Once contract terms have been agreed, one party cannot introduce fresh terms as an afterthought. A cannot seek to transfer to B because that was what he had intended originally but forgotten to say so

In accordance with the doctrine of privity of contract only the parties to a contract can be bound by the indemnity and exclusion clauses. If A accepts to do certain work with B subject to the clause in the contract that A shall accept liability for any damage to property or for any injury to third parties arising out of performance of the work, that clause shall not prevent third party C who suffers injuries due to A’s negligence from claiming against B. the only way in which B can protect himself against such situation is when negotiating the contract to obtain A’s agreement to

-indemnify him for any injury damage or loss arising out of its performance

-to insure against such liability

On many occasions both exclusions clauses i.e. clauses that relieve one party of liabilities that he otherwise would incur towards the other and indemnity clauses i.e. clauses that but an obligation on one party to indemnify the other party for losses or liabilities the latter may incur arising out of the performance of the contract have been subject to close scrutiny and strict interpretation by the courts. Even through exclusion and indemnity clauses may not be illegal, the courts construe them strictly against the party seeking to take advantage of them, particularly when that is in the stronger bargaining position.

Practical considerations for Risk Transfer

  • October 11th, 2018
  • Posted by athanne


The Lord created human beings different from all other creatures because he wanted them to worship him.  To continue to enjoy fellowship with the first human beings and for them to continue to worship him, the Lord put a tree in the middle of the Garden.  This was the tree of Knowledge of good and evil.  Whenever they looked at that tree, they would worship the Lord remembering that they are creation and God is their creator. Business Training in Kenya has more articles.

Separation From God, Sin And Satan, Broke The Original Worship

The Lord had close fellowship with man kind in Eden; they worshipped him as their Creator day and night.  Problems began when they had a talk with the enemy Satan who came inform of a serpent. Satan deceived them planting unbelief in them.  He caused them to disbelief what God had told them.  As a result, Adam and Eve disobeyed God by eating what God had told them not to eat.  They immediately got separated from God, became sinners and fell under the dominion of Satan. They lost the original worship and this became the root of all mankind suffering.   Having fallen to the fundamental problem of man kind, they were chassed away from the Garden of Eden.  This is the way they lost all blessings.  Curses befell them so much that even the land was cursed because of them.  Genesis3:17-18, say, “Because you listened to your wife and ate from the tree about which I commanded you not to eat of it, “cursed is the ground because of you; through painful toil you will eat of it all the days of your life.  It will produce thorns and thistles for you and you will eat the plants of the field.

Humanistic Efforts Of Man To Restore Fellowship With God And Worship

  • October 10th, 2018
  • Posted by athanne

Fallacies in Logic

Fallacies in Logic are errors in reasoning. A fallacy occurs when the premises of a given argument do not support the conclusion they are purported to support. In any argument, there is a claim the truth of any given premises if granted support the conclusion either necessarily in the case of deductive arguments or by some probability in the case of inductive arguments.

However, in most cases, upon closer examination and analysis of most arguments, it is found that the claim is not justifiable. In such cases, the claim of the premises does not support the claim of the conclusion, or weakly support the conclusion. When such happens, it is said that the arguments have committed fallacies in logic.