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On average, a small business might spend thousands of dollars per year on business liability insurance and business property insurance. The average annual cost of business property insurance is $742, and the average annual cost of general liability insurance ranges from $300 to $600. However, if you’re looking to insure your company, there’s a way that you can pay under $1,000 total per year for both these insurance plans: a business owner’s policy.

If your company takes out a business owner’s policy, you’ll get all the coverage that comes with general liability insurance and business property insurance for a premium that costs less than paying for both plans separately. You’ll often pay less than $1,000 per year for your business owner’s policy, and you can customize your plan to include additional features.

With a sound business owner’s policy in place, you can protect your business against numerous unexpected costs. Below, we’ll discuss what business owner’s policies cover, which kinds of businesses need these policies, how you can customize your policy, and how much you might pay per year for your policy.

What is a business owner’s policy?

A business owner’s policy, also known as BOP insurance, is an insurance plan that combines all the features of business property and general liability insurance. Not only does it give you both, but its premiums are typically lower than the sum of standard business property insurance and general liability insurance premiums. Business owner’s policies are ideal for obtaining all your recommended business insurance coverage at affordable rates.

Did You Know?

Not only does a business owner’s policy give you all the features of business property and general liability insurance, but its premiums are usually lower than the sum of both.

FYI

Most experts strongly recommend business owner’s policies for all small and midsize businesses.

Can any company obtain a business owner’s policy?

Most SMBs qualify for business owner’s policies. Some insurance providers will only sell business owner’s insurance plans to companies in certain locations. Additionally, your business location’s physical size (not your company size or number of employees), business class and revenue may affect your eligibility. In some cases, your company’s physical size is not a disqualification, just a factor in your plan choices.

That said, your company likely qualifies for business owner’s policies if it handles all its operations onsite. If your company operates out of an office, for example, it likely qualifies. So do most storefronts and apartment buildings. Smaller restaurants may also qualify.

Can you customize a business owner’s policy?

Yes, you can customize a business owner’s policy. In fact, larger businesses commonly customize their business owner’s policies to directly address the unique risks that come with increased operations.

Of course, SMBs can customize their business owner’s policies as well. As mentioned earlier, cyberinsurance clauses are not automatically included in business owner’s policies, but the increasing threat of SMB cyberattacks is resulting in more businesses customizing their policies to include data breach clauses. Other clauses commonly added to business owner’s policies provide protection against crime (including forgery), mechanical and/or computer failure, spoiled merchandise, and fidelity bonds.

How much does a business owner’s policy cost?

Although no one figure for the average business owner’s policy price exists, several providers have published their average premiums. Progressive says that its business owner’s policies usually cost $80 per month, and Insureon lists an average monthly premium of $99. [Read more on how to save money on business insurance.]

Insureon also says that its median monthly premium is $53. Notably, according to Insureon, 12% of its customers pay annual premium totals of under $400, with another 48% paying no more than $800 per year. These figures suggest that finding affordable business coverage is possible – and with the breadth of protection that business owner’s policies provide, they can be well worth the investment.

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What Is Tail Coverage In Business Insurance?

You can’t control when a customer makes a claim against your business. There are times the claim is made after a policy’s term ends, such as if you retire or close your company. Tail coverage gives you the protection you need for certain policies – as long as the policy was in force when the claim incident occurred.

What is tail coverage in insurance?

In business insurance, tail coverage – also called an extended reporting period – is an endorsement on an insurance policy for an incident that occurs during the coverage period, but gets reported after the policy expires or is canceled. As an endorsement, there is often an additional fee that you must pay. Tail coverage is found on commercial liability insurance policies that are claims-made policies.

Unlike occurrence-based policies that automatically include coverage for a claim that occurs during the policy period – regardless of when it was filed – tail coverage is a special addition to policies for policyholders concerned about late-filing claims.

Tail coverage is also different from a retroactive that starts coverage prior to the policy inception date. Retroactive dates extend coverage, while tail coverage extends only the reporting period.

FYI

Tail coverage isn’t necessary on occurrence-based policies because the reporting period is indefinite with them.

How does tail insurance work?

Tail coverage gives you peace of mind that coverage for an incident exists after your policy is canceled or lapses. Tail coverage is an important consideration when you anticipate coverage changes. Tail coverage is typical when a business closes, a service provider retires or when a company moves to a new occurrence-based policy.

The way the tail coverage works is simple: It adds a reporting period to the end of your policy term. For example, assume your policy has a term date of Jan. 1 to Dec. 31, 2023, and you request to add tail coverage to this claims-made policy for six months. This means that a claim can be made after Dec. 31, 2023, through June 30, 2023, for an incident during the policy term in 2023.

Tail coverage doesn’t extend coverage, meaning it won’t cover an incident that happens after Dec. 31, 2023. If an incident does occur and someone files a claim against your business, the claim will be denied and you would be responsible for any losses or damages from that claim.

Did You Know?

A general liability policy usually isn’t a claims-made policy, so you can’t add an extended reporting period or tail coverage to those policies.

Who should consider tail coverage?

Tail coverage should be obtained if you plan to retire or close your business in the foreseeable future. It’s also essential to get this endorsement if you’re switching to an occurrence-made policy.

Consider this example: An accountant is about to retire and has had a claims-made insurance policy from Jan. 1, 2000, to Dec. 31, 2023. The accountant retires and closes his practice as of Dec. 31, 2023, meaning there will be no new potential exposure for a claim from that date. But the accountant can still be sued for work they did in 2023 with a claim filed in early 2023.

Without tail coverage, the accountant would be responsible for all legal and defense fees as well as any settlement or judgment that comes from the lawsuit. With tail coverage, the policy limits kick in and pay for the claim’s defense while handling the settlement costs up to the policy limits.

When it comes to moving to an occurrence-made policy, remember that occurrence-made policies pay only for incidents that happen during the policy period, even though the claim can be reported anytime thereafter. This means that if your business moves from a claims-made policy that ends on Dec. 31, 2023, to an occurrence-made policy, there could be a coverage gap.

Imagine that an incident that occurred in December of 2023 wasn’t reported until February of 2023. The claims-made policy without tail coverage would not cover the incident because it wasn’t reported in the allowable period. The occurrence-made policy wouldn’t cover it because the incident happened before coverage started.

Tip

Talk to your insurance agent before your policy’s term end date to determine if you should consider adding tail coverage.

How long should tail coverage last?

There may be gaps in coverage if your tail coverage doesn’t extend for a long enough time period. For example, assume that the tail coverage on your policy ending Dec. 21, 2023, was for six months. This means that claims reporting could happen through June 30, 2023. However, if the insurance claims process began in July of 2023, your company wouldn’t have coverage because the coverage period is over.

To avoid coverage gaps, talk to your insurance representative and legal counsel. Find out what the statute of limitations is in your state for filing claims. Ensure you have tail coverage that lasts as long as the statute of limitations so that you don’t find yourself past the reporting date and uncovered.

What insurance types offer tail coverage?

You can get coverage on certain types of liability policies. Tail coverage is offered in claims-made insurance policies but not on occurrence-made policies.

These are the most common types of business insurance policies in which you can acquire tail coverage:

Tip

If you need liability insurance, read our reviews of the best liability insurance providers so you can find one that best meets your company’s needs.

Frequently asked questions

Here are some of the most common questions about tail coverage:

What’s the difference between claims-made and tail coverage?

Tail coverage is a part of a claims-made policy. However, not every claims-made policy has tail coverage. This is an optional coverage usually added by endorsement to the policy. You’ll have to ask for tail coverage, set the coverage length and pay the appropriate premium.

How much does tail coverage cost?

The cost of tail coverage will depend on the insurance type you have and the length of the tail coverage. One example is tail coverage added to medical malpractice insurance, which costs approximately 200% of the expiring premium. This means that a claims-made policy with a premium of $7,500 would require another $15,000 to obtain tail coverage.

Tail coverage is typically added before the policy expires or is canceled. So when you receive your renewal bill or the cancelation notice, you’ll have the ability to add tail coverage. This may be two months prior to coverage termination. If you don’t elect tail coverage before the policy’s cancelation, you may have up to 60 days after the termination to add the coverage. Your insurance carrier will give you details on how to do this.

How do you obtain tail coverage?

As an endorsement, it’s important to make the election for tail coverage: It isn’t added automatically. Talk to your insurance carrier if you are concerned about obtaining tail coverage. Your representative will give you the details about the company’s procedures for adding the endorsement and paying the additional premium.

Is prior acts coverage the same as tail coverage?

A claims-made policy can be modified in two ways: It can extend coverage to prior acts with a retroactive date, or extend the reporting period after the policy ends with tail coverage. Thus, prior acts coverage isn’t the same as tail coverage; they are two different options you can choose with a claims-made policy. You can have one without the other, or you can opt for both.

Is occurrence-made or claims-made better?

Policyholders enjoy occurrence-made policies because they know they will be protected regardless of when a claim arises. However, these policies are generally more expensive than claims-made policies. To maximize cost savings, claims-made policies are the better option.

How can you tell if an insurance policy is claims-made or occurrence-made?

Most policies are occurrence policies. If you have a professional liability, EPLI, or directors and officers policy, you may have a claims-made policy. Because the claims-made policy only covers incidents where the claim is made during the policy period – or a tail coverage period – you’ll want to ask your insurance carrier how your policy is categorized. If there is tail coverage, ask for how long so you fully understand the terms of your coverage.

What are runoff claims?

Runoff claims are similar to tail coverage. It’s something provided for in a claims-made policy that states the insurance carrier remains liable for any claim caused by the policyholder, but made after the termination of the policy. A runoff period is usually longer – up to five years – whereas an extended reporting period or tail coverage often lasts only one year. Additionally, runoff claims are usually found when an insurance merger occurs.

What Is A Refurbished Phone?

With finances being squeezed hard by the high cost of living, it’s no wonder people are turning to refurbished phones instead.

But what is a refurbished phone? How is it any different to buying a used phone from ebay? Is it even safe to buy a refurbished phone?

We’ll answer these and other questions right here.

What does refurbished actually mean?

This is one of the biggest problems right now as it can mean different things, depending upon who’s selling you the phone.

In general, refurbished means that a used phone has been professionally checked over to make sure it is fully working and that there are no faults with the cameras, speakers, microphone and screen, and that the Wi-Fi, Bluetooth and 4G works as it should.

You might assume, as many people do, that a refurbished phone will have a new battery and that any other defective parts have been replaced.

But this isn’t what happens in most cases. Only Apple and Samsung actually remanufacture phones to a standard where it’s impossible to tell a refurbished one from a brand new one.

And hardly any companies that sell refurbished phones will replace batteries or cracked screens. Aznu in the UK is one of the only companies that does, and pitches itself as a seller of premium refurbished phones with no defects.

Not all phones need replacement parts as they have been well looked after, are fully working and in great condition. So there’s no reason to avoid sellers who simply check and grade phones.

In face, you need to watch out: if a phone has been taken apart, any IP rating (for water-resistance) may no longer apply. If this is important to you, check with the seller before purchasing.

Back Market works a bit differently to most refurbished phone sellers. It’s a marketplace that lists phones from hundreds of different refurbishers.

Most other companies take phones that have been traded in (or sold directly to them), carefully assess them to make sure everything functions as it should and then grade them according to their condition.

For example, it could be ‘like new’, ‘pristine’, ‘very good’, ‘good’, ‘fair’ or something else.

This gives you an idea of what to expect, but unlike ebay or other places where you can buy used phones, you won’t see photos of the actual device you’ll receive on a website that sells refurbished phones.

Instead, you’ll see the same stock images as if you were buying the phone brand new. Currently, the only seller we know of that publishes example photos of what each grade is like is giffgaff – a mobile network operator in the UK.

Usually, you’ll see listings like those below.

musicMagpie

Whatever you see, you must read the descriptions of each grade carefully, because you can’t assume ‘good’ means the same from one seller to another.

For example, Envirofone says that a ‘good’ phone will be “An average condition product that has signs of use. This will have wear and tear to the front, back or sides.“

It’s a similar situation if you buy a ‘good condition’ phone from giffgaff, which is the lowest it sells.

Giffgaff sent over an iPhone 12 in good condition for us to look at, and it was difficult to find any damage or defects at all. There were a few tiny scratches on the screen that proved impossible to photograph, and a single one-inch scratch on the rear glass that you should be able to make out in the photo below.

Jim Martin / Foundry

Envirofone also offers a cheaper grade. Its ‘fair’ condition phones will have “signs of heavy wear to the front, back or sides. This product is fully functional and will have a battery health over 70%.”

The best that Envirofone sells is ‘pristine’, which means “a premium product which has light signs of use and is in excellent working order.”

Below is an iPhone 11 in ‘pristine’ condition, which has only one very small scuff mark on one corner and no other visible blemishes.

Jim Martin / Foundry

By contrast, giffgaff’s best condition is ‘like new’ which means “Zero wear and tear: these phones look like new with no visible scratches on the screen or body”.

Naturally, the prices of a refurbished phones differ according to condition, with ‘like new’ being the most expensive, and ‘fair’ being the cheapest.

Most people will be happy with ‘good condition’ as it’s the best compromise: you save more than if you went for a phone with no visible defects, and there shouldn’t be any really noticeable damage.

And if more noticeable scratches, scuffs and light dents don’t bother you, you can save even more. Once you pop a case on, and perhaps a screen protector, most scratches won’t be visible anyway.

In general, you should expect any refurbished phone that isn’t in the lowest grade to have a battery health of 80% or higher. This means it has 80% of its original capacity, so will last 80% as long as when it was new.

Why shouldn’t I just buy a used phone?

It’s a great question. Why not just go on ebay, Facebook marketplace or wherever you usually turn to buy used products?

You may well find a phone on those sites that’s cheaper and in better condition than those you find on refurbished phone websites.

But the big difference with a refurbished phone is that you get a warranty with it, or should do. Typically sellers offer a 12-month warranty so if one of the cameras stop working or there’s some other problem you can return it and get a replacement.

That warranty won’t apply if you drop it and smash the screen, of course, but that’s what phone insurance is for.

Sometimes, though, you will see sellers offering extras like this. UR, for example, provides insurance against accidental damage and includes a glass screen protector, SIM removal tool, compostable phone case and a charger with every phone it sells. Yet they’re comparable in price with other sellers for the equivalent phone.

Refurbished iPhone 13 Pro Max in ‘Premium’ condition

Other sellers, such as Envirofone, include only a charging cable and exclude the charger because you’ve probably already got one, and shipping more chargers is – as Apple will tell you – worse for the environment.

Because buying a refurbished phone is not a private sale – as it would be if you purchased from an individual on ebay – you have more rights. One important one is the ability to return the phone within a certain number of days, usually a minimum of two week, and get your money back.

This means it is safe to buy a refurbished phone.

Do refurbished phones come with new batteries?

The vast majority don’t and there are a variety of reasons why.

One is that putting a new battery in would increase the cost of the phone a lot because of the price of the battery and also the time it takes for someone to replace it.

Unlike the old days where batteries just unclipped from the back of the phone, they’re sealed inside and are difficult to get to.

Back Market told us that it is planning to introduce the option to have a new battery installed, at extra cost. So at least you’ll have the option.

Do refurbished phones last long?

That’s a difficult question to answer. You’ll get a warranty with a refurbished phone, so if it becomes faulty you have some comeback until that time is up.

It’s impossible to say how long it will continue to work beyond the warranty, but that’s the same with a new phone.

However, it is important to understand they are not new phones and have been used by someone already. The battery (if it hasn’t been replaced) won’t last as long as a brand new one and you also need to remember that if you’re buying an older model, it won’t get updates from its maker for as long as a more recent phone.

For example, your budget might stretch as far as an iPhone 11. This is a popular choice for a refurbished phone, but as it was released in September 2023, it’s already over three years old.

Apple may continue to offer iOS updates for it, but potentially only for another two years.

The situation can be worse for Android phones which typically get updates for only three years anyway. Buy one from 2023 and you could well find it can’t be updated to the latest version of Android, and may not get security updates either.

Which refurbished phone company is the best?

There are lots of places to buy refurbished phones, but don’t assume every seller is the same, because they’re not.

It is always worth reading reviews on TrustPilot, and also the terms and conditions on the website itself. What does the warranty actually cover? Under what circumstances can you return the phone if you’re not happy with the condition?

You won’t always be dealing with the company that you bought the phone from, either.

Some are actually marketplaces, but you may not notice this. Back Market is one of them, and uses hundreds of different “refurbishers” – independent companies that check over phones and grade them independently, although always using the same guidelines from Back Market to ensure they meet the same standards.

Back Market

When you look at a listing on Back Market, you can see who the seller is at the bottom, and you’re still covered by a 12-month warranty regardless of who’s selling it.

It’s a similar situation with Amazon Renewed and ebay. Neither Amazon nor ebay refurbish phones. Instead, they work with companies that do, and those companies will send you a phone and provide the warranty.

In all three cases: Amazon, ebay and Back Market, you can speak to the in-house customer support teams if you need help resolving any issues. But it’s worth bearing this in mind when buying from these marketplaces.

For more, read our guide on where to buy a refurbished phone.

We’ve also rounded up the best refurbished phone deals we can find which will save you the most on an iPhone 12, iPhone 11, Samsung Galaxy S21 and more.

What Is A Quantum Dot Monitor?

What’s Behind the Display?

Underneath the surface there are several tiny semiconductor nanocrystals that can influence some of the smallest particles known to mankind. The sizes of these particles are so small you probably have trillions of them under your fingernail. Each of these nanocrystals is known as a quantum dot. What this does is effectively minimize the space that a pixel (or, more appropriately, a dot) will occupy on your screen. There are many reasons why this is much more applicable for television sets and desktop monitors than your current LED set up, but we’ll get to that in a minute. What you need to know right now is that we’re talking about some very tiny crystals that form the picture on your screen.

Why Not Stick with LED?

Have you ever used an OLED screen on a high-end smartphone? The black color is very deep, lacking the typical “noise” you’d encounter with any other “normal” screen. You might have also observed that the colors on display are more vivid. This is also how quantum dot (QD) technology works, except it doesn’t use organic molecules to create its light.

What makes it so much more special than anything else is its propensity to minimize power use while remaining a potentially more affordable technology than the OLED screens we are used to. Since quantum dots can be both photo-active (i.e. light triggers it) and electro-active (i.e. electricity triggers it), it means that we can trigger certain pixels to light up in color while selectively shutting down anything we want to display as black. Your typical LED screen will always have backlighting to kill the mood while you’re watching a dark scene in a movie. This backlighting requires a certain amount of power (my 27-inch monitor takes up about 45 to 48 watts in nominal power). You can technically halve that using a QD monitor because it doesn’t use any power to display black as a color.

QD’s usefulness doesn’t stop here, though. Artists and web designers are able to see a very accurate reproduction of colors due to the sharpness of the image. In addition to this, larger displays may not “fuzz out” as much with the resolution as their LED counterparts would. The fact that it’s potentially rather cheap to manufacture these displays (along with the fact that they actually shine brighter without losing their brilliance as quickly as other displays) makes the technology very promising.

Here’s a fun fact. QD technology isn’t necessarily new. The idea came around the 1980s before personal computers with separate monitors went mainstream. Now that monitors are almost all over the place, and there’s nary a home without a computer, it’s worth another look.

Miguel Leiva-Gomez

Miguel has been a business growth and technology expert for more than a decade and has written software for even longer. From his little castle in Romania, he presents cold and analytical perspectives to things that affect the tech world.

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What Is A Facebook Messenger Chatbot?

Last Updated on June 8, 2023

If you’re tuned into the latest in digital customer service, you have probably asked yourself at some point: What is a Facebook Messenger ChatBot? With over 2.9 billion monthly active users, Facebook is one of the largest social media platforms. Hence, it is best to engage your potential customers on this platform.

But what if your customer asks a question on your Facebook page and you are not there to answer? This could negatively impact customer experience and sometimes be seen as poor customer service. This is where a Facebook Messenger ChatBot comes into the picture.

But what are ChatBots in Facebook Messenger, and what are their uses? Let us take you through the answers to these questions in this brief article.

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What Is Sex Therapy And What Does A Sex

When you’re in a romantic relationship with someone, you might feel passionately in love and excited to explore your attractions and sexual needs. Maybe you and your partner have been together a while now, so the prospect of exploring new territory doesn’t seem so overwhelming anymore. But suppose your relationship is beginning. In that case, that’s merely the beginning of an endless string of pleasant surprises that will continue to come around again and again for as long as you two stay together.

However, there will be times when the simple act of being intimate with your love can be a little challenging.

What if there was a way around all that? A way to unlock the potential of your sexual connection again, even if things don’t feel quite right at the moment? That could be precisely what you need to keep moving forward toward happier days ahead. If you recognize this and want to take action today, Sex Therapy may be just what you need.

What is Sex Therapy?

Sex therapy is a type of counseling that aims to help couples with difficulties enjoy a deeper connection with each other. It differs from couples’ counseling because it focuses on building a more fulfilling sexual relationship.

Sex therapists may work with people who want to improve their sex life, such as those with low libidos, a lack of interest in sex, painful sex, sexual problems, or other issues. Some people may also seek sex therapy as part of their overall health plan, especially those who want to make positive lifestyle changes.

How Is Sex Therapy Different From Other Counselling?

While couples counseling is often based on the promise of helping couples work through issues and grow as a couple, sex therapy is focused solely on the sexual relationship. Counselors may include the sexual aspects of a relationship in their discussions, while therapists are more likely to focus solely on the sex itself.

Beyond these distinctions, there are a few other significant ways that sex therapy differs from other types of counseling.

First, sex therapy is usually conducted with only one partner.

Second, the focus tends to be less on the emotional aspects of a relationship, such as issues related to trust or communication.

Third, sex therapy is usually not provided by a social worker but by a trained sex therapist.

What Does a Sex Therapist Do in a Sex Therapy Session?

When people come to see a sex therapist, they will typically make an appointment and discuss with the therapist how they are feeling about sex and their desire to improve it. The therapist will ask questions about the relationship, the partner’s sexual history, and relationship goals.

After these initial discussions, the therapist and the partner design a plan to address their identified issues. The therapist will often provide both partners with a copy of the plan to keep track of the progress together.

The therapist may also do a sexual assessment of the partners, including asking them to describe what they like or dislike about sex and how they think their partner may feel. The therapist may also ask partners to have sexual activities or role-play scenarios to see what they like and don’t like.

Common Problems People Come To Sex Therapy For

Low libidos − If your partner isn’t ready to have sex with you, perhaps because he is feeling anxious or lacking in confidence, seeing a sex therapist may be helpful. Finding ways to boost your partner’s self-esteem and reduce anxiety may help feel more comfortable about getting physical with you again.

Pain during sex− If you or your partner experiences pain during sex, seeing a sex therapist may help you and ensure you’re doing things safely. You may also want to consider speaking to your doctor about whether you are engaging in sexual activities safely.

A lack of sexual desire − If you’ve been feeling a lack of desire for a while now, you are not alone. While it’s not easy to process, it’s important to remember that it’s normal to feel this way at times. You can work on boosting your self-esteem and mood to get back on track.

Difficulties performing in bed − If your partner finds it difficult to perform during sex, it can be a source of emotional turmoil. You can discuss ways to boost your partner’s confidence, boost your confidence and help your partner feel more comfortable about sexual abilities.

Difficulty expressing sexual feelings − If you find it difficult to talk with your partner about your sexual feelings, it can be a source of emotional strain. You can discuss ways to talk with your partner more honestly about your feelings and boost your self-esteem and self-confidence to feel more comfortable communicating your sexual needs.

Benefits of Doing Sex Therapy Together

Learn about each other’s sexual desires and needs – If you both make an effort to share your desires, needs, and fantasies during your sessions, you will be able to learn more about your partner’s likes and dislikes and what he most enjoys sexually. This information can help you get closer to providing a fulfilling sexual experience for your partner.

You make progress together – While it may take time for you to receive the benefits of working through your sexual issues as a couple, it’s important to remember that you will be helping your partner as well as yourself.

You bond as a couple – Sex is a very intimate and emotional experience for both partners. Often, partners who struggle to enjoy sex due to low self-esteem or anxiety about performing feel embarrassed or ashamed by their problems. However, working through these issues as a couple can help you feel more confident in your relationship and help your partner feel more confident.

Conclusion

Sex is an integral part of any relationship, and it can be beneficial to work through sexual issues with a sex therapist. Suppose you struggle with low libido, pain during sex, a lack of desire for sex, exhausting or painful sex, or difficulties performing in bed. In that case, you may consider seeing a therapist to help you find a more satisfying way to enjoy sexual intimacy.

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