05 Oct, 2023

Are You Ready to Join the Captive Insurance Industry?

Chances are good that unless you’ve worked in insurance, you haven’t thought that much about owning your own insurance company. It’s not a very common goal for entrepreneurs, partly because the industry is so competitive and partly because it takes a sizable investment to start one. What if the goal wasn’t a profitable insurance company with good sales, though? What if the goal was just to provide your main business with the specialized insurance it needs at an affordable cost? That’s the captive insurance industry in a nutshell. Captive insurance companies are those owned by the people they insure, whether it’s a company or individual owning their own insurance company as a subsidiary or a group of companies coming together to collectively establish insurance for themselves in their industry.

Advantages of Captive Insurance

The biggest advantage business owners and managers cite when switching to insurance they own is the cost savings. Usually, companies that use captive insurers are looking for coverage that is either unavailable without customized insurance or expensive because it is rare or involves a rare combination of coverage options. By owning the insurance company, you can give yourself an at-cost or nearly at-cost insurance plan that covers all your risk factors. If the company does make a profit, the profits accrue to the owner, so making it a subsidiary of the business it ensures will guarantee any profits are recaptured by the parent company. Then there’s the customization. When you own your own insurance company, you can offer yourself any policy you need at cost. Sometimes, that cost is still expensive because you need to have cash if an accident happens, but they are still typically less than working with an outside insurer.

Finding the Right Captive Insurance Facilitator

Establishing a captive company requires diligence and planning. Luckily, there are firms that specialize in establishing and administrating captive insurance for companies like yours, so you don’t have to invest a lot in new infrastructure to get the efficiency and precise coverage you need from your insurance products.

2 mins read


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2 mins read

Being Safe While Driving

Virtually all parents feel a twinge of anxiety when their teenagers reach driving age. Driving has become almost a rite of passage from childhood into adulthood in our country. Most young people rush out to get their driver’s license as soon as they are legally allowed to do so, and many parents are glad to not have to play taxi driver anymore. No matter their age, it is important for all drivers to be as safe as possible in order to avoid injuries and keep down costs such as auto insurance Palm Coast FL. Here are three ways to be safer while driving.

Adjust Mirrors Properly

Every car has blind spots; even vehicles with gigantic windows. Those blind spots differ depending on the height and position of the driver, so it is a good idea to adjust all the mirrors before each excursion. It takes just a few seconds and could possibly prevent a crash. Many accidents occur during merges and lane changes because the driver failed to see the car in the adjacent lane.

Avoid Distractions

Drivers should not be texting while driving, but the cell phone is not the only worrisome distraction in the car. Music can be distracting, as can the video screens that come equipped in some vehicles. Food is distracting, as well, and so are some billboards. GPS devices and even other people in the car can distract a driver. Therefore, it’s best to check directions before driving. It’s also a good idea, especially for inexperienced drivers, to avoid playing music, driving friends around, or chomping on a burger while driving.

Travel Lighted Streets

Often, there is more than one route to get to the right destination. If one of those routes includes roadways that have inadequate lighting, they should be avoided. It is best to travel the path with lights to serve as guides. It can be difficult to see road signs and lines on the streets in the dark. Whenever possible, travel on lighted streets.

Parents should teach their new drivers these three ways to be safer while driving. They should also employ these methods themselves. After all, modeling good behavior is wise.

2 mins read

Tips for Writing the Degree Thesis Faster

Follow the Advice we give you below to finish your Thesis in time:

When you sit down to write the thesis of degree can exist different obstacles such as nerves, stress, anxiety and endless distractions. If you do not want to overwhelm yourself and finish your thesis in a timely manner follow customessaymeister with some informative tips.

# 1 Theme Selection

This step is essential when you are writing your thesis. Try to find a topic that you like and motivate you too actively work. It is important to select a topic for which you can obtain all the necessary information in a relatively simple way.

# 2 Delimitation of the Investigation

Keep in mind that the more delimited the subject, the easier it is to get the information and you can develop it in less time. The fact that you do a shorter job than your colleagues does not imply that it is of lower quality. Think about the time you have available and how much time you have to deliver the final version.

# 3 The Structure

The structure depends on your research paper which you are doing and trying to complete. It is very useful to make together with your tutor a scheme of the basic points that will be part of the work. After that, simply dedicate yourself to filling in coherently each of these points. If necessary, include others that clarify those that precede them.

# 4 Consulted Sources

As the research takes shape, the references of other authors begin to be very important in the work. You must be clear about the sources that you will consult and if you are going to interview with other professionals, plan ahead when and at what time you are going to perform this task.

# 5 Organizations

Make a schedule of activities, detailing what day and how much time you will devote to each section of your work. Try to comply with what you have established, but if you fall behind, do not go to the next point until you have completed the previous one.

# 6 The Wording

It is important that the research work is understood by all, the ideas presented in your thesis can not be understood exclusively by the teacher or tutor. Necessarily, all the ideas expressed there should be precise, clear and with good syntax, grammar and broad language. Do not admit inaccuracies in the writing.

# 7 enjoys your Thesis

Doing a thesis is a hard task. But it is important that you enjoy every step, every moment, every activity that you carry out in your construction process, try not to be overwhelmed because you will waste time thinking about the time it will take you and you will start to think negatively.

# 8 The success of your Thesis

It implies a hard work, and not a last minute one, it means working hard from the beginning to the end. Remember that although there are people much more prepared than …

3 mins read