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Wednesday, 31 December 2014

5 Health Benefits of Warm Water with Lemon

Did you know that the choices that you make regarding your daily routine either build up resistance to disease or tear it down?
We have read many times about the amazing benefits of lemon water , but I have a new tip for you to get a jump- start on the day, a warm mug of water and half lemon. 
As soon as you read the following benefits this small habit gives you, you may be inspired to try it, it can radically alter your experience of the day. High in Vitamin C and potassium It will boost your immune system, it fights colds, stimulates brain and nerve function and helps control blood pressure


Alkaline food
Lemons balance the pH, they are in the key to good health.  (people who maintain a more alkaline diet lose weight faster)

High in pectin fiber
Lemons also help with the weight loss process because they help fight hunger cravings. It also has been shown that people who maintain a more alkaline diet lose weight faster. And, my experience is, that when I start the day off right, it’s easier to make the best choices for myself the rest of the day.

Aids digestion
The warm water serves to stimulate the gastrointestinal tract and peristalsis and since lemons are high in minerals and vitamins and help loosen ama, or toxins, in the digestive tract.

Hydrates the lymph system

It helps prevent dehydration and adrenal fatigue, helping the body perform all of its proper functions.



Thursday, 18 December 2014

Business Policies are nothing like Domestic


When you purchase a Domestic policy such as a Home policy it already includes most sections, such as:- Fire & Perils, Burglary, Glass breakage, Fusion, Liability, Money, Spoilage etc.,



BUT when your shopping for a Commercial or Business policy you must purchase each section required. This means you need to know your stuff, you have to be attentive or else!
 The following are CRITICAL POLICY ISSUES:-

 
LEGAL ENTITY
The correct LEGAL entity is vital otherwise you may have exposures under the policy divisions.

USE/OPERATIONS
The insurer offers cover based on the "Common Knowledge" of the risk. If there non standard hazard/s not disclosed it can affect claims.

POLICY DIVISIONS
We define this into 2 areas. Part a] = Your Property  Part b] = Your Liability to others.

LEVEL OF COVER
Can be broken into 3 levels of cover:-  GOLD, SILVER and BRONZE.
In many cases you can select the level of cover for a] Your Property and b] Your Liability to others.

SECTIONS OF COVER
Wow!  so many (we provided an example below).

ITEM INSURED
Clarify the item to be insured falls within the correct section of cover. DO NOT ASSUME extras or accessories are covered.

CLAIMS
It must be sudden & unforeseen.  Once the "cause" not the damage has been determined we can establish what section of the policy is applicable.  

INDEMNITY TYPE
This means the "Basis of Settlement".  Market, Agreed and Replacement.

"Market Value" is the most common. It is also known as "current value" which is the principle of "Indemnity".

.... Good, Bad, Right or Wrong ....
.... these are the rules which you need to be aware of otherwise you will suffer undue losses.

RISK MANAGEMENT 4 points
1.IDENTIFY KEY ASSETS TO PROTECT
q  Static Assets; items, people & activities
q  Mobile Assets; items, people & activities
q  Consequential Loss of Income/Costs
q  Liabilities from the above Assets
2. IDENTIFY
q  What do you do (anything out of the Normal)
q  What can go wrong – whilst allowing for present and future exposures
q  What is it going to cost – Insurance
versus
q  What can you do about it.
3. Cross reference these issues against your current covers
4. Now talk to us, Your Professional Broker

article presented by 
Anastasia Stevenson
Account Executive  - Green Team
Central Insurance Brokers http://www.centralins.com.au/
Ph: 93688-901  Mob: 0419 958 508

SME Brochure



Wednesday, 17 December 2014

Cyber attacks are costing Aussie Business millions


The Cyber attacks are costing Australian companies an average of $2.6 million according to new research from the Ponemon Institute.

The 2014 Cost of Data Breach Study: Australia, sponsored by IBM, details the affects of data breach on Australian firms and, for the first time, aims to predict the likelihood of a company suffering a breach in the next two years.


Results are taken from costs incurred by 22 Australian companies across 11 different sectors following more than 10 months of work and 170 individual interviews with company members.

The cost of the data breaches continues to rise as the report found that for the fifth consecutive year, the cost per lost or stolen record increased by $4 – from $141 per record to $145 – which led to an increase in average cost from $2.72 million in 2013 to $2.8 million.

The report noted the likelihood of each industry suffering a data breach and found that retail and financial services companies are most at-risk.

“Specifically Australian companies in retail and financial services are far more likely to have a breach. In contrast, energy and transportation are least likely to have a breach. In all cases, it is more likely a company will have a breach involving 10,000 or fewer records than a mega breach involving more than 100,000 records.”

Consumers will be abandoning companies following a data breach in record levels with average churn rates increased by 5%.

“Certain industries, such as financial and service companies are more susceptible to high customer churn, which causes their data breach costs to be higher than other industries. Taking steps to keep customers loyal and repair any damage to reputation and brand can help reduce the cost of a data breach,” the report said.

This led to a new high in terms of lost business costs per breach as they rose from $740,000 to $880,000 in 2014. These costs come from customer turn-over, reputational losses and diminished goodwill.

The report highlights the need for effective planning for cyber crime attacks as it notes that organisational factors such as a strong security posture, an incident response plan and business continuity management can have a marked effect on costs incurred by the company.

The insurance Industry has produced a specific policy to help manage and protect assets. One of the Insurance Broker officers in Perth that can assist is the team at Central Insurance Brokers

Find out more about Account Managers at Central