A product liability insurance is a policy that protects the insured in the remote event that a product that they deal with causes physical harm to a person or damages property. Businesses that deal with the manufacturing, distribution, retailing, or repairing of products would benefit from a product liability insurance.
In fact, a product liability insurance would be a prerequisite to do business mainly because of two reasons. The first one is that research data has shown that a significant number of lawsuits have been won by people who have filed complaints against companies for their products. These lawsuits could result in a lot of unnecessary expenditure for the business in the form of payouts. Secondly, most collaborators in a particular business network might hesitate to do business unless there is authentic proof of a product liability insurance.
Whatever the kind of product your against deals with, there are risks involved, and claims are inevitable. There will always be one dissatisfied customer who would want to take action and that will be an expensive cost for any business to handle, particularly for small ones. Moreover, defending against any lawsuit will involve money, but a product liability suit especially will prove to be a costly one.
Depending on the level of danger your products possess, the cost of insurance premiums you pay would vary. It is directly proportional, that is, the riskier the product, the higher the premium charged. However, other factors determine the premium amount too, such as the volume of distribution and marketing associated with the products, and the safety measures undertaken to prevent any mishaps in its handling and use. For example, electrical or surgical instruments are riskier and will have a higher premium for the companies that handle them rather than those dealing with cotton towels or paper plates.
A product liability insurance helps companies pass on the charges and the monetary penalty to a third party, i.e., the insurance company. It is not only an important insurance policy that all business enterprises should have but also one of the easiest to pay for to guard your company from harm.
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What causes constipation
Read moreConstipation means infrequent or difficult bowel movements. Most people experience occasional problems with normal bowel movements. But if constipation lasts for weeks and months on end, it is termed as chronic.
Symptoms of constipation have 1-2 bowel movements in a week, needing to strain to pass stools, difficulty in passing stools, hard stools and a feeling of incomplete evacuation.
There are several possible causes of constipation.
Colonic or Rectal Blockages: Colonic or rectal blockages can adversely affect normal bowel movement. These blockages can be due to many different reasons, such as –
- Colon cancer
- Rectal cancer
- Abdominal cancer
- Bowel stricture or colon becoming narrow
- Rectocele or a bulge or swelling in the rectum through the back part of the vagina
- Anal fissures
Hormonal Diseases: Diseases that affect hormones in the body can be a cause of constipation. Hormones maintain the fluid equilibrium in the body. Diseases that affect hormones can upset this balance and cause mild to severe constipation. These diseases can be –
- Diabetes
- Hypothyroidism or an underactive thyroid gland
- Hyperparathyroidism or an overactive parathyroid gland
A note on hormonal problems and constipation during pregnancy: During pregnancy, a woman can have constipation for many reasons including hormonal changes. The condition often resolves itself after childbirth. Treatment for chronic constipation during pregnancy may depend on the woman’s health.
Neurological Problems: Many conditions affecting the nerves around the bowels and nearby muscle groups can be a cause of constipation. These can be –
- Stroke
- Spinal injuries
- Multiple sclerosis
- Parkinson’s disease
- Autonomic neuropathy
Pelvic Muscle Problems: Pelvic muscles support organs involved in stool elimination. Any problem in the pelvic floor muscles can cause constipation. These can be –
- Weak pelvic muscles.
- Anismus or difficulty in relaxing of pelvic muscles.
- Dyssynergia or problem with pelvic muscle movements.
Lifestyle Factors: An unhealthy diet and lifestyle can contribute to poor bowel health and cause constipation. These can be –
- A diet is lacking in fiber.
- A diet high in fatty and spicy foods.
- No or low levels of physical activity.
Determining the cause of constipation is important for its effective treatment.
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4 premium food brands that boost the health of your dog
Read moreIn addition to showering your furry friend with love and affection, you need to pick out the best premium dog food for him. There are various premium dog food brands competing in the market, but you need to consider a lot of factors before you decide on the best premium dog food for your beloved canine friend. The dog’s age, weight, breed, and of course his taste, are the factors determining which will be the perfect dog food. So, here are some of the best premium dog food brands you can consider while choosing the right dog food for your pet.
- Merrick Grain Free Dog Food
This dog food has been considered one of the best premium dog food brands owing to the fact that it comprises of ingredients that are meant to promote your dog’s health and well-being. You will have plenty of different formulas to choose from, and you can even choose the protein source. Moreover, it contains some healthy additives such as omega-3s and omega-6s, that contribute to helping your pet maintain its glossy coat. - Wellness Core Natural Grain Free
If your dog is quite choosy about his food and isn’t a big fan of the so-called “natural” dog food that is so ferociously advertised these days, then investing in this premium dog food is advisable since it is one of the best premium dog food brands. It is made of completely natural ingredients, has reduced contents of fat and carbohydrates, and is rich in proteins. Plus, it has proven to be appealing to your canine friend’s taste buds. - Nature’s Variety Instinct
Nature’s Variety Instinct has been hailed as one of the best premium dog food brands. It is completely natural and has added omega-3 and omega-6, in addition to the minerals and protein content in the food. Moreover, it doesn’t contain preservatives, which, otherwise would affect your dog’s health. Pet owners often opt for this premium dog food since it is grain-free and has all the required nutrients to keep their beloved puppy healthy and active. - Taste of the Wild High Prairie Canine
The name itself is indicative of the unique nature of this dog food. What makes this the best premium dog food is that the formula is closely related to the actual ancestral diet of dogs which emphasized the need for high protein and extremely low carbohydrate content. It is a rich source of protein and contains vegetables and fruits to a certain extent.
- Merrick Grain Free Dog Food