Choosing the Right Insurance Company for You

There are a lot of insurance companies, so choosing between them can be quite challenging. Here are the main points to keep in mind when selecting an insurance company:
Licensing
Not all companies are licensed to operate in each state. In general, you should buy from a company licensed in your state, since you can rely on your state insurance department to help if there’s any problem.

Price
Prices vary greatly from one company to another, so it really is worthwhile to shop around. Get at least three price quotes from companies, agents and the Internet. Your state insurance department may publish a guide that shows what insurers charge for different policies in various regions in your state.

Financial Solidity
You buy insurance to protect yourself financially and provide peace of mind. Choose a company that is likely to be financially sound by using ratings from independent rating agencies.

Service
Your insurance company and its representatives should be able to answer your questions and handle your claims fairly, efficiently and quickly. Talking to other customers who have used a particular company or agent is helpful to that end. You may also want to check a national claims database to see what complaints a company has. Also, your state insurance department will be able to tell you if the insurance company you want to do business with had many consumer complaints about its service relative to the number of policies it sold.

Comfort
You should feel comfortable with your insurance, whether you get it from a local agent, directly from an insurance company, or over the Internet. Make sure that the agent or company can be reached easily if you have a question or need to file a claim.

Why Warwick Castle is a Top Location for School History Visits

With so much fascinating history and heritage here in the UK, study tours based on home soil have the potential to be both inspiring and educational. Warwick Castleis one of the most popular venues for UK study tours and, considering the stunning interiors, pretty gardens andincredible range of displays and activities, it’s certainly not surprising.
If you want to make history evenmore appealing to your pupils, take it outside the classroom and head to Warwick Castle, to guarantee your students a day to remember.

Below are just some of the highlights.

Horrible Histories Maze

A maze can be a lot of fun, especially when it’s been created like this one, with a host of challenges along the way. As your students choose their path through the centuries, history unravels before them and some of the world’s best-kept secretsare revealed.

Youngsters will be able to act out invading a Viking ship or living in the trenches; theycan get involved in uncovering evil plots; and they’ll be able to get up close and personal to the ‘Slimy Stuarts’ and ‘Terrifying Tudors’. Asthey make their way through the maze, they’ll earn stamps for their time passport and collect a prize at the end when they’ve conquered the challenge.

Time Tower

This castle was once the most powerful in middle England – an accolade it held for more than 1,000 years. Through the audio-visual multimedia in the Time Tower, students follow characters that recount stories ofwhat happened in this historic monument through the ages. Death, treachery, bloodshed and destruction were all part of Warwick Castle’s past, and it’s a story that is only now being told.

The Dungeon

Dungeons are always popular withschool groups and this one is no exception. Some of the most horrific of times from the history of the castle are re-enacted here, with live actors and plenty of bangs and flashes bringing the ancient stories to life. This somewhat chilling experience is geared specifically for students of secondary school age, which goes some way to showing the level ofimmersion into this gruesome encounter.

The Mighty Trebuchet

As military warfare developed, no castle worth its salt was without a catapult. Recognised as the largest siege machine in the world, the Trebuchet is an enormous catapult once aimed at enemy walls with the intent of firing rocks to break them down. Today, this replicated piece of awe-inspiring weaponry is still fired on occasion,although not for the same reasons!

Tours, Talks and Workshops

We’re very lucky to have a host of excellent attractions that are geared up for school visits in theUK. Study tours for both primary and secondary pupils are well catered for at Warwick Castle, with plenty of talks and workshops available to book.

Primary Packages

Younger minds will enjoy the range of tours on offer, which includeMeet the Monarchy, toteach them about three of England’s most important Kings and Queens, andthe Castle Life tour, a lively introduction to the social and cultural aspects of life in the lead up to the War of the Roses.

A range of subjects is accommodated, with Design Technology emphasised in the Swords and Shields Workshop, and Citizenship (and history) being the focus of the Power of the Monarchy tour.

Secondary Packages

Older children will have the chance to explore the castle’s medieval defences in Attack and Defence, or to learn about the judiciary system, common crimes and capital punishment in Crime and Punishment. The Battle Skills workshop, which incorporates an element of drama, is always a popular and there are not many pupils who don’t like a bit of gruesome storytelling! The Student Ultimate Tour is the top recommendationfor those looking for a general overview of the castle’s history.

UK study tours are best booked through a specialised educational tour operator. These companies have all the required information at their fingertips and can help withthe logistics and planning of the trip. Let the experts do the organising so you can focus on making the trip to Warwickshire as fun and interesting as possible.

Author Plate

John Gardiner is the Managing Director of The School Travel Company, a tour operator specialising in educational travel for school and youth groups. Whether you’re planning UK study tours, Iceland geography trips or trekking expeditions to India, you can trust both the educational and economic value of their itineraries, whether ready-made or specifically designed to suit the needs of your group.

Saving Time and Money with Shipping Insurance

In some industries, you’re required to ship a lot of packages through the mail. Maybe you’ve got multiple factories that specialize in different parts of the same product before it’s completed, or perhaps you have a few clients that prefer to have their goods shipped directly to them from your office. Whatever the case might be, it often makes sense for businesses to run an account for shipping insurance when they’re going to be using shipping services on a regular basis.

The main benefit of having an account for PIC insurance is that you’re not going to have to worry about having to think about whether or not each package needs to have shipping insurance before you send it off. In any business, time is just as important as money, and in some cases, time can be even more important. Every second that you spend thinking about whether or not this package needs insurance or filling out the the required paperwork is time that you could be spending on other aspects of your business.

A second here or there might seem insignificant, but when added up together, they can really be costly. For example, let’s say you’ve got to fill an order that requires 50 packages, and you’ve got to fill out paperwork to get shipping insurance for each one of them. If each form takes you just 30 seconds to fill out, you’ve used up nearly a full extra half-hour on shipping your packages. Do that twice a week for a year, and you’ll have used up a full regular work week on nothing but shipping. Efficiency is one of the top keys to making money for a business while wasting time is the exact opposite.

Not having an account can also be costly in terms of money lost in not taking advantage of discounts. When you ship a lot of packages at once, you can often get a price break for larger amounts. These can be valuable, because every dollar saved is a dollar you can then invest back into your business. It’s a lot easier to grow a business when you can allocate other resources on hiring more qualified people instead.

Choosing an account for PIC insurance is a great way to get your business in prime position to ship items where you need them, while ensuring your reputation stays intact along with the goods you send. If you’re looking for a way to move your business toward getting ahead, this can be a great first step to take.