5 Types Of Insurance For Independent Consultants And Business Owners

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By Jade Sohn

workdeskBe prepared and opt for the right insurance policies to safeguard yourself against unpredictable hazards or issues that may pop up while running your business.  Choosing suitable insurance plans can prove to be a challenging task. Chief among them is a general liability and professional liability insurance.

Also, individual consultants and married entrepreneurs only qualify for individual health insurance, leaving room for very few Health Maintenance Organization (HMO) options. Further, if you miss an HMO open enrollment period, your organization may have to survive an entire year without coverage. What would you do if an unpredictable event occurs during that time? This post talks about various options that can work as great alternatives in such a situation. Read further to explore them in detail.

1. Professional Liability Insurance

Did you know that if you are a sole proprietor of a business consultancy, you can be held legally and financially liable for any financial loss to your client resulting from your advice or occurring during your involvement? This means that you need to be prepared for the legal and financial fallout of such a situation. Even if your business is billing in the hundreds of thousands, being taken to court could cause you financial hardship, so you may benefit from subscribing to an insurance policy designed for consultant businesses.

If allegations of errors, bad advice or delay in providing a service threaten a consultant’s business, then consultant professional liability insurance can cover costs of hiring an attorney and any settlement or damages arising from the lawsuit.

2. General Liability Insurance

General liability insurance protects consultants against allegations of bodily injury, property damage, and advertising and personal injury. If your client suffers a slip and fracture at your firm, or if you accidentally damage an expensive artifact on your client’s premise, the general liability insurance will cover the medical costs and costs of replacing the artifact respectively.

General liability insurance also covers any legal challenges arising from advertising or personal injuries such as slander, libel, and defamation. If a consultant publishes any material containing false statements about a competitor or makes derogatory comments about a client before others in a way that can cause the client grief or suffering, or causes harm to his professional reputation, then a personal injury lawsuit can be brought against the ‘perpetrator’.

No matter how carefully or conscientiously you may run your consulting business, there is at least a small window of error that can potentially pose financial or legal hurdles. General liability insurance safeguards against such contingencies, allowing you to focus on challenging unfair cases and staying focused on your business rather than stressing about paying attorney fees and financial damages from your business or personal funds.

3.Short-term health insurance

If you’re hard-pressed for time and don’t have enough resources to consider or purchase long-term health insurance, you can opt for short-term health insurance. The advantage of short-term health insurance is that it’s relatively inexpensive. It also holds you to low standards of commitment, so you can always revisit the decision and choose another, better-suited health insurance for your business. Short-term health insurance, however, is not completely reliable. You may be refused coverage if the event involves a chronic health disorder. Plus, coverage earned by short-term health insurance is for low amounts.

4. Insurance through associations

healthyheartbpSome industry associations offer health insurance as a side-benefit of joining. If you are starting a consultancy business, you may want to join networking or co-promotion organizations in your city or town. These organization of which NASE is an example, offer benefits such as health insurance. However, studies by journals such as WSJ have claimed that the ROI (Return on Investment) that you receive from joining such an organization doesn’t justify the enormous joining fees that they charge. However, you may want to consider all benefits such as networking, exposure, and new leads that you get from the organization when weighing the benefits.

5. Health cost sharing

People with good health can consider health cost sharing networks as an option for health insurance. There are companies such as Liberty Healthshare, CHM, and New Health that have started up to provide affordable and no-fuss health insurance for those who can’t afford to go with regular, long-term health insurance. However, such insurance networks tend to reject many applicants on the grounds of having existing health disorders.

When starting a consultancy business, there are many factors that you have to consider. If you can’t manage all of that by yourself, you can work with smart alternatives or hacks that work just as well. This post describes various types of health insurances that can help you fight against unpredictable health hazards or issues that may crop up when running your business. After all, it’s best to be prepared than suffer expensive consequences of ignorant decisions.

Three Types Of Fungi Responsible For Most Fungal Skin Infections

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footodorThree types of fungi are primarily responsible for the majority of fungal skin infections that afflict millions of Americans each year, says Joshua Fox, MD, medical director and founder of Advanced Dermatology P.C. Trichophyton, microsporum and epidermophyton, all part of the fungal genera category, are the three main culprits. Fungal infections of the skin account for about four million visits a year to outpatient medical facilities in the U.S. alone.

To understand how pervasive and hard-to-treat fungal skin infections can be, it is good to know how they emerge, explains Dr. Fox. Often described as superficial fungus infections, the microscopic organisms that cause them feed on warm, moist, dark environments, like the feet and the jock area. The four main microorganisms that cause fungal skin infections include bacteria, viruses, parasites and fungi.

Athlete’s foot, jock itch, ringworm

Athlete’s foot is perhaps the most common of the fungal skin infections and very often one of the most stubborn, says Dr. Fox. There are three different types, including interdigital athlete’s foot, the most common form; moccasin athlete’s foot, which begins on the sole and spreads to the side of the foot; and vesicular athlete’s foot, which is the least common and shows up as blisters on the bottom of the foot. In fact, athlete’s foot (“jungle rot” as it was called) was one of the most the most common foot problems Vietnam veterans have suffered, and they still plague many veterans today.

The clinical reason for such outbreaks is due to an imbalance of microorganisms in the body, Dr. Fox explains. “A decrease in bacteria and an increase in the growth of fungi, sometimes caused by the use of broad-spectrum antibiotics, is a common culprit,” he adds.

Jock itch is also a common complaint, especially among men. Jock itch, a form of ringworm, usually occurs in the groin area and on the upper, inner thighs and buttocks.

Ringworm, which can occur on the hands, nails, feet or scalp, typically appears as a circular rash with patches that may be red or peeling or have bumps that resemble blisters. Like the symptoms of athlete’s foot, the infected areas are often itchy and can spread easily. Blistering and cracking of the skin is particularly common on the feet.

A yeast-like fungus, known as Candida, is the culprit behind the common vaginal yeast infection, says Dr. Hu. Such yeasts normally live on the skin and mucous membranes without ever causing infection, she explains. But overgrowth of such organisms can produce an infection in certain areas of the body, adds Dr. Hu.

Tips for treating fungal skin infections

If over-the-counter medications don’t eliminate irritating fungal skin infections, Dr. Fox suggests medical intervention. The kind of treatment that’s given for most fungal skin infections depends on the severity of one’s condition, he notes. For some, oral treatment is the only solution.

“Many people have suffered with fungal skin infections for years,” Dr. Fox says. The choice of oral anti-fungal medications depends on the type of fungus that needs to be treated, the affected area, other co-existing diseases that a person might have and interactions with other medications currently being taken. The most common oral medications are Lamisil, Sporanox and Griseofulvin.

Maintaining best hygiene practices is perhaps the best way to prevent fungal skin infections from recurring or even happening at all. To prevent athlete’s foot, for example, Dr. Fox suggests wearing footwear in public locker rooms and shower areas. One should wash the feet daily and most importantly, dry them thoroughly. Wearing shoes that give feet room to breathe and wear cotton socks and underwear. If necessary use a powder to keep them dry.

Dr. Fox says that while fungal skin infections can be annoying to deal with, proper treatment and attention to hygiene practices can keep such conditions from recurring.

“Unfortunately there is evidence that fungal infections of the skin can recur, even after treatment,” says Dr. Fox. “However, with careful adherence to good hygiene and close monitoring we find that most patients can overcome fungal skin infections.”

Advanced Dermatology P.C., the Center for Laser and Cosmetic Surgery (New York & New Jersey) provides cutting edge medical, laser & cosmetic dermatology and plastic surgery services. http://www.advanceddermatologypc.com

Joshua L. Fox, M.D., F.A.A.D., is the founder and medical director at Advanced Dermatology P.C. He is a leading authority in the field of dermatology with expertise in skin cancer, cosmetic surgery and laser procedures and is program director of a fellowship in laser and cosmetic surgery

Judy Hu, M.D., F.A.A.D. is a board certified dermatologist with Advanced Dermatology P.C. Dr. Hu specializes in medical, surgical, and cosmetic dermatology with extensive experience in skin rejuvenation utilizing injections and laser therapy.

5 Most Common Types of Blood Disorders in Children To Look For

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humanbodyBlood is the life maintaining thing of body, which circulates through our heart, veins, capillaries, and arteries. Blood caries away the carbon dioxide and waste matter, and brings electrolytes, nourishment, vitamins, antibodies, oxygen, heat, and hormones to the body tissues.

As the functions of blood are complex and many, they are so many diseases that need proper care by physicians. So many blood disorders are taking place in children. The most common blood disorders in children include bleeding disorders, anaemia, blood cancer, Sickle Cell Disease, Thalassemia, Haemophilia, leukaemia, and Thrombocytopenia.

1. Anaemia:

This is one of the most common blood disorders in children, which occurs if healthy red blood cells level in the body decreased to very low rate. This may cause serious health problems since red blood vessels contain the haemoglobin that carries oxygen to body organs. Anaemia may cause so many complications like stress and fatigue.

2. Thalassemia:

Thalassemia affects people of African, South Asian, and Mediterranean, who are marked by the short lived red blood cells. Thalassemia is two types one is major and other is minor. Major is also known as Cooley’s anaemia, which is a severe form of anaemia. This is one of deadly blood disorders in children.

Red blood cells can be rapidly destroyed and the iron will be deposited in vital organs and skin. Kids who have thalassemia are unable to make one of two main protein chains, which form oxygen-haemoglobin carrying substance in the red blood cells.

3. Hemophilia:

Children who are suffering with this condition are unable to produce factors or proteins that are needed for the blood clotting. Due to this, exceed bleeding can be possible even for minor injuries. Due to the defective genes located on X chromosome, many sufferers are male only.

4. Sickle Cell Disease:

This is an inherited disease which is caused due to an abnormal form of the oxygen-haemoglobin carrying substance in the red blood cells. If the red blood cells contain abnormal haemoglobin, then it releases oxygen, and the haemoglobin becomes distorted and causes normally round blood cell in order to assume the sickle shape.

These types of sickle shaped blood cells will obstruct the blood flow in the small capillaries and the defective cells destruction can lead to anaemia in kids. Kids who are born with this blood disorder suffer from so many symptoms like stroke, pain, and increased infections.

5. Iron Deficiency:

Iron is the important mineral that is needed for the good health and proper functionality of the body. Each and every red blood cell of body contain iron its haemoglobin. But a lack of this mineral in blood cells can cause iron deficiency in children. This is very common form of blood disorders in children who are with nutritional deficiency.

Victoria Armstrong, Author of this article writes for www.ehealthyblog.com. E Healthy Blog provides you the complete information, latest news, and tips on Health. Also provides information on various diseases like Blood Disorders, Cancers, Diabetes, Heart Diseases, Allergies, Skin Diseases, Men’s Health, Women’s Health, Child Health, and many more.