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Unmanned aerial vehicles or UAVs, more commonly known as drones, are high technology devices used for various purposes. The increasing popularity of drones has enabled many entrepreneurs to use them to their advantage. This is a relatively new business in the whole world as many people are still not very well informed about this latest technology. For those who already are indulged in this business, it is very important to get the drones insured. It looks a relatively new concept, right? Well, yes it is.

It is a very new concept but extremely effective in the coming years. If you have a very successful business with drones then in case of an accident, most of the cost would be saved if it is insured. Getting drone insurance will even help in gaining more clients as some people are reluctant in investing without insurance. With insurance coverage in hand, you will have comfort knowing that you are covered in case of any mishap or loss because UAV technology still has not taken perfection. The first question I’m asked is does every drone need insurance? The answer is a simple no. Not all drones need insurance. If the drones are used as a hobby or are only confined to your home then there is no need to get any insurance.

Currently, there is no requirement to have insurance in the US for recreational use of drones but in Canada, if you are using drones commercially or residentially, you need a $100,000 liability to get covered. Getting insurance helps sell the notion that your business is reputable. To understand everything about drone insurance and liability, we first need to look at some basic questions which people like to ask before getting an insurance policy.

What is Drone Insurance?

Drone insurance works as any regular insurance policy. You can also relate drone insurance with car insurance. The better your performance and training is, the better the policy will be. You will need to pay less for your insurance if your skills are good. For all the pilots who want to become good pilots and safely handle drones it is always a good option to get a good insurance policy. This will bring out the best in you if you want to become a trained and professional drone pilot. Pilots should have operating manuals and maintenance logs so that it becomes easier for them to attain the professional standard. Any kind of guidance would be helpful in achieving the desired goals.

These are some areas where the insurance company would help you in getting insurance:

– Homeland Security

– Fire and Rescue

– Real Estate

– Traffic Patrol and Accident Assistance

– Emergency Response (FEMA)

– Law Enforcement and SWAT

– Corrections Facility Security

– Agriculture

– Maritime and Shipping

– Architecture and Construction

– Archaeology and Geology Exploration

– Recreational Parks and Gardens

– Movies and Cinematography

– Media and News

What kind of loss is covered?

Under this category, all losses occurring under commercially used drones are covered.

– Third Party Legitimate Liability

– Advertisement Liability

– Personal injury

– Loss or damage to the UAV or other related equipment

– Manufacturer Product Liability

– Aircraft operator Coverage and non-pilots working on ground

– Premises Liability

– Independent Contractors Liability

– Coverage of Fellow Employee

– Any damage to your rented premises

– Hijacking, Terrorism or War

– Your Property or Office Contents

Cost of Drone Insurance

The next question most commonly asked is:

How much does drone insurance usually cost? Drone insurance policies are divided into two parts:

– Liability which is the damage or claim to third parties

– Hull damage which is the damage to your own UAV

Different companies deal with insurance policies differently. Some companies include hull damage insurance while others do not. Some companies give a 333 exemption while others do not. It depends on the company you are trying to reach for your insurance. Before choosing the best insurance company, you need to talk to some people from different insurance companies to give you an idea about the overall cost of the insurance and what is covered under it. When once you are satisfied with the company’s guidelines, procedures and policies then you need to make the correct move. The common questions that the company could ask you would be:

– Have you maintained a maintenance log?

– Is 50 to 100 hours of flight time have been utilized?

– Do you plan on flying indoors or over water?

– Are you the owner of the drone or have you leased it?

– Are you able to automatically record your flight data?

These questions need to be answered satisfactorily in order to access the company’s drone insurance policy. Very clear and detailed answers would help in attaining the insurance you desire.

Next step will guide you on how to get insurance so that the steps are effectively followed.

How to get insurance?

To get an insurance of your choice, you need to get a quote from different companies. Getting a quote is an easy task by just visiting the company’s website and click the “get quote” button. The website would take you to a form where all the necessary details would be asked and then after filling all those, you will be returned with a quote. The information mostly asked is:

– Your complete name and address

– Specific information regarding your UAV

– The cost of each part of your equipment

– The total time you have flown the device

– The place you would be operating your UAV at

– The amount of training you have acquired

– Any other details related to the equipment and yourself

– Type of coverage whether a liability or hull damage

Once all these details have been entered, a quote would be given stating all the cost you would have to pay for the insurance. If you feel comfortable about the price and policies, it is best to get it done as soon as possible or else you can get a quote from another company.

Can you lose your insurance at anytime?

People often ask are there any chances of losing insurance and the answer to this question is yes. In certain cases, you can most likely lose your insurance. In case of not logging your flights properly and not being able to tell what exactly happened during the accident. This could surely mean ambiguity from your end which could end up in the loss of insurance. Similarly, if you fail to put the correct serial numbers and identification numbers on your drone, this could also result in losing your insurance. Lastly, not having an ethical flight and not reporting any maintenance changes can again cost you your insurance. You need to be very careful when dealing with such scenarios. It is best to keep a track of all your flights, the duration, the place everything needs to be shown. If your flights would be tracked then there would be enough evidence for you to claim an accident.

How to claim?

You should also need to be fully aware of how to file a claim in case of an accident. The claim should be easy to make but first you need to study and understand the insurance company’s guidelines and policies. The policies of the company will tell you that what the company can actually do and what it can not. It would be a good approach to first read everything the company has written on paper. Secondly, you need to report to the correct authorities and refrain from making any statements without letting your insurance company know. The insurance company would be able to assist you if you provide the correct information to them first. You should not leave the device unsupervised at any time. You need to stay with your equipment in case of an accident. These points should be kept in mind when dealing with an accident.

This guide provides a comprehensive approach towards getting drone insurance effectively. As stated earlier, commercially used UAVs need to be insured. It is highly recommended for commercial pilots to get their desired insurance so that they know they are covered in times of accidents. If you are taking this as a hobby and only restrict your drones to your house, then there is no need to get insurance. Your home owner insurance would be enough to let you enjoy flying drones. We have dealt with all the procedures taken to get insurance done. Each and every detail is provided as to how and when you need insurance. It is always better to talk to different companies and look at their different policies and procedures. After accumulating quotations from all companies you have been in talks with, you can always compare their prices and policies.

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Whether you are looking for structured cabling in a new building property or the integration of fibre optic cabling in your business premises, you will need to call on a communications infrastructure solutions provider in order to carry out the work, as these projects require not only the best equipment but also a high level of expertise.

When searching for a communications infrastructure solutions provider, there are several questions that you will need to ask in order to determine whether or not the company is the right match for your needs; here are some of the main things that you will need to check before you agree for them to undertake your project.

Before you begin asking questions however, it is important to bear in mind that your geographical location has a large part to play in how to verify the quality of your service provider. This is because there are certain electrical and cabling standards that are applicable in different parts of the world.

An example of this is, where your provider of structured cabling carry about work that is compliant to a minimum standard of AS/CA S009:2013 as well as abide by national safety legislation. This equally true for any other part of the world where you intend your project to be carried out.

The first question therefore, whether you are looking for structured cabling or fibre optic cabling, is what safety standards does the provider abide by and what safety laws do they respect when carrying out their work. The answer you receive will be informative in a couple of major ways.

If the company that you are thinking of hiring does not hesitate to tell you about the rules and regulations they need to follow, this is a good sign that they are aware of their legal obligations and abide by them. A company technician who does not know this information could, however, be a warning sign that rules are not followed at that particular company.

The next question to ask is whether or not the company has already carried out work on projects like yours before. this is something that is crucial to reassuring you that your project is the in the best hands, as no two data cabling projects are the same and therefore a vast experience is undertaking highly similar work is of great value.

Indeed, many companies will specialise in delivering their work for specific types of client. These might include large and medium size business clients, or instead small to medium residential properties. Some companies might specialise in fibre optic cabling, whereas others who may be dealing with this too could mostly be experts in wireless networks.

In all cases, try to seek out a company that has a vast experience and specialism in your particular project, including the type of project, the scale of the project and the elements that you need designing and installing. If in doubt about the experience of the company, do not hesitate to ask for customer references or case studies to give you proper insight.

The final question that you should ask, whether looking for wireless networks, structured cabling or fibre optic is what kind of after-sales support and warranty is included in your package.

Needless to say, problems can arise after installation, and you will want to know whether or not you are covered in the event of a fault or an emergency breakdown. In some cases a warranty will cover this or a company will provide absolutely free customer support. In other cases, you may have to pay a small fee for help.

All three of these questions are important to ask when choosing a communications infrastructure solutions provider, so make sure that you have clarified this information before going ahead with the project.

Fibrecom Networks is a communications infrastructure solutions integrator specialising in fibre optic and structured cabling projects for medium to large scale environments. We can supply, install, test and commission all your Fibre, Data, CCTV, Audio Visual and Wireless Network cabling requirements. Servicing corporate, commercial, industrial and Government sectors across SE QLD and northern NSW regions, our mission is to provide professional communications solutions with excellent customer service. Fibrecom Networks is a registered “Security Provider” and all materials and labour comes with industry specific warranties as a guarantee of our commitment to providing quality services. To find out more about our services, please visit: http://fibrecomnetworks.com.au/

Each year ushers in new trends on the fashion scenario and 2016 is no exception; whether it is online ethnic wear for girls that you wish to buy or the latest in western outfits, being updated with the latest trends will give you a definite edge. With the festive season being just around the corner, you would surely want to buy ladies ethnic Indian wear for looking your best for the upcoming traditional events and weddings.

Here are some tips to help you take the best picks while shopping in markets as well as online ethnic wear for girls:

Kurtis rock the popularity charts

If you are looking for such options in ethnic wear that combine elegance, comfort and versatility, kurtis fit the tab perfectly. At the same time, when you buy ladies ethnic Indian wear kurtis in 2016, the idea is to go beyond the conventions and experiment with the bold look. Look for unique cuts and styles which can be created by having these customized. Deep necklines, revealing back and sexy sleeve styles make good ideas to style up the otherwise simple-looking kurtis.

Fall in love with elegant gowns

The traditional Indian garments have evolved over a period of time, combining gorgeous ethnic patterns and embroideries with western cuts. The best example of fusion dresses is the traditional evening gown, which brings together the best of Indian and Western fashion. In fact party wear gowns make one of the best sellers in online ethnic wear for girls.

Get sensuous with crop blouses

In 2016, the conventional Indian blouse is passé as it has now been replaced with the sexy, belly baring crop blouses which make you look ultra-sensuous. This trend in ethnic wear for girls has been endorsed by several popular Bollywood divas, leading to these short blouses with sarees and lehangas becoming an instant rage amongst women of all ages and body types. A crop blouse combined with a churidar or palazzo pants is an innovative fusion outfit which has been spotted on the ramps this season.

Focus on your back

Whether it is a saree blouse, an anarkali suit, an evening gown or a kurti, all the focus is on sexy, designer back designs. Make sure that you fetch many envious glances this year with these sensuous designs that enhance your back.

Heavy accessories

This year, the trend is to grab all the attention with heavy jewelry and accessories to redefine your festive look. Statement necklaces, dangling earrings, nose rings, colorful bangles and voluminous waist bands… all are in vogue. Step out like a diva by teaming your online ethnic wear with some stunning accessories.

To Buy ladies ethnic Indian wear in latest styles and designs, log in to Lurap and grab a discount of 15% using coupon code ETHNIC15. Get an unmatched variety ion ethnic wear in sizes up to 5 XL. Shop with easy pay options of COD and EMIs (on buying products exceeding INR 4000 in India)

It could be said that there are people who come across as passionate and those who don’t. However, even if one doesn’t come cross in this way, it doesn’t mean that this reflects their true nature.

What it could come down to is that they prefer to keep this side of them hidden, and this could show that one only likes to express this side of them when they are by themselves or around people they are close to. So, unless someone is close to them, they are unlikely to be exposed to this side.

Introvert

As a result of this, one could be described as being an introvert, and it is then going to be normal for them to hold back. When they are around others, they might prefer to sit back and to observe others.

If they were to come across someone who is passionate, they could even end up feeling drained by them. Due to how emotional this person is, it could cause them to feel as though they need to get away.

Extrovert

Yet, if one was described as an extrovert, there is going to be no need for them to restrain themselves. And, during the moments when they are around others, there will be no reason for them to observe others.

One is likely to embrace the moment and, if they were to come across someone who is passionate, this could energise them. This is because they will get their energy through being around others; whereas if they were to spend time by themselves, they would soon run out of it.

In Control

When one generally keeps their emotions in check and enjoys being by themselves more than being around others, they are likely to come across as though they have self-control. They are not going to want their emotions to get the better of them, and this could stop them from standing out.

At the same time, as they do come across in this way, it could cause other people to notice them. And, through being this way, they probably won’t have the desire to be the centre of attention.

Out of Control

If one is not interested in keeping their emotions in check and they would rather be around others than by themselves, they could come across as though they lack self-control. One is going to be only too happy to express how they feel, and this is will cause them to stand out.

There could then be times when people will enjoy being around them, and other times when they will find them to be a bit too much. But as this is how they like to behave, this might not be something that will concern them.

Emotional Intelligence

It would be easy to put everyone in these two boxes, but clearly it is not this black and white. While there will be people who are either an extrovert or an introvert, there are going to be others who are a bit of both.
And, even if someone is an introvert, it doesn’t mean that they will have a good understanding of their emotions and find it easy to control them. Or that if one isn’t, they won’t have a good understanding of their emotions and find it hard to control them.

A Time and A Place

When it comes to connecting with others, it could be said that it will be important for them to allow themselves to show how they feel. This is not to say that they will have to do this with everyone they meet.

What it comes down to is that if one doesn’t show anything and always comes across as emotionless, it will be a lot harder for people to warm to them. Other people won’t know where they stand, and it could be as if one doesn’t want to be around them.

Feedback

Clearly, communication is a two way process, and if one person isn’t giving anything away, it will be a challenge for the other to keep the conversation going. If, on the other hand, both of them played their part, it would be a lot easier for the conversation to continue.

It is then similar to how two dance partners will need to play their part in order for the dance to take place. If one person does but the other doesn’t, it won’t be possible for them to dance together.

Brought To life

Therefore, human emotions are what bring everything to life and without them; life just wouldn’t be the same. If one doesn’t believe this, they only need to speak to someone who is emotionally disconnected and to see how bleak their life is.

Yet, although one’s life is not going to be the same if they are out of touch with how they feel, that doesn’t mean that they don’t need to monitor how they feel from time to time. As to when they will need to do this, it can all depend on what they are doing.

The Truth

For example, one could believe something and this could cause them to get really passionate. In their eyes, what they believe could be seen as the truth and that will be all there is to it.

Now, there is the chance that this is the case, but if they are caught up in how they feel, it could be a challenge for them to take a closer look. One’s outlook is then going to be defined by how they feel and not by anything else.

Certainty

Their ability to think clearly and to question what they believe will then be offline and one will be nothing more than a slave to their emotions. But based on how they feel about something, there will be no reason for them to behave differently.

Yet when it comes to whether something is true or not, this is not something that can be ascertained by how one feels about it. Nevertheless, one can end up getting passionate about something and be completely convinced that they are right; when in reality, they could be wrong.

Conclusion

Through being this way, it is not going to matter what people say to them as they won’t be able to listen to them. What this emphasises is how important it is for one to make sure they don’t let their emotions get the better of them when it comes to being able to think clearly.

One way to understand this is to think about what happens when someone is paranoid and, due to how they feel, they can believe that everyone is looking at them. Through being caught up in how they feel and being unable to think clearly, it stops them from realising what is actually taking place.

Prolific writer, author, and coach, Oliver JR Cooper, hails from England. His insightful commentary and analysis covers all aspects of human transformation, including love, partnership, self-love, and inner awareness. With over one thousand two hundred in-depth articles highlighting human psychology and behaviour, Oliver offers hope along with his sound advice. His current projects include ‘A Dialogue With The Heart’ and ‘Communication Made Easy’.

To find out more go to – http://www.oliverjrcooper.co.uk/

Feel free to join the Facebook Group –
https://www.facebook.com/OliverJRCooper

A longstanding concern about genetic screening and testing is that people at increased risk for a serious condition could face discrimination, which prompted passage of the Genetic Information Nondiscrimination Act (GINA) in 2008. Lawmakers have designed GINA to prevent discrimination from health insurers and employers. There is a question of whether it can be enforced 100 percent of the time.

Someone could obtain another individual’s private DNA information and tested without his or her prior knowledge or authorization. DNA is genetic material present in every cell of your body. DNA is extracted from not only blood but from saliva, skin cells, blood, and hair roots. DNA contains huge amounts of personalized information. We secrete it at all times. It is totally unique to each individual. It has in-depth information about blood-related family members. It can disclose information about your risk of illness. There is presently a potential risk that governments and companies can use it to identify and discriminate against individuals. Though its primary use is in criminal justice applications, DNA from large numbers of innocent people is being routinely stored for indefinite periods. Some states are considering privacy DNA related legislation aimed toward independent oversight and distribution of DNA information.

Direct-to-Consumer Genetic Testing (DTC) is experiencing explosive growth. Health providers do not need to approve this type of genetic testing. DTC is unregulated; there is no independent oversight. The primary marketing medium of DTC genetic testing is the Internet. The services offered range from predicting possible adverse reactions to medications to information for diagnosing genetic disorders. Companies offer subscriptions that are updated as new research and developments break ground. These tests claim to reflect intelligence level, decision-making ability, susceptibility to addiction and other traits. The consumer determines the credibility of the information. The apprehension is that results sent through the mail and/or Internet could be misinterpreted.

Genetic testing for disease has its limitations. Genetic testing cannot tell you everything about inherited diseases. For example, a positive result does not always mean you will develop a disease, and it is hard to predict how severe symptoms may be. Some conditions commonly tested for include: Autism, Down Syndrome, Autosomal Dominant Polycystic Kidney disease, breast cancer, colon cancer, prostate cancer, skin cancer, kidney disease, Crohn’s disease, Duchenne Muscular Dystrophy, Familial Hypercholesterolemia, hemophilia, Huntington’s disease, Parkinson’s disease, sickle cell disease, Tay-Sachs. There is a powerful benefit from genetic testing for some hereditary forms of colon cancer. Less is known about the history and preventative measures for breast cancer. A positive genetic test result can actually prevent the disease by leading people to have early colonoscopy screening to find and remove precancerous polyps. Geneticists and genetic counselors discuss with subjects more specifically about what a particular test will or will not convey, and can help him or her decide whether to undergo testing.

There are emotional impacts. Learning that you or someone in your family has or is at risk for a disease can be frightening. Some people could also feel guilty, angry, anxious, or depressed when they find out their results are positive. Negative results may give subjects a sense of false security. Many diseases and conditions have no effective preventative measures or treatments. There is a question as to whether or not an MRI is more effective toward detecting breast cancer than a mammography. The most effective treatment for breast cancer, Prophylactic mastectomy, is unpopular. Thus, the benefits of genetic testing are lesser than with colon cancer. When you weigh the fact that many diseases have no cure against genetic testing, it decreases its allure.

Predictive or pre-symptomatic genetic screening of individuals is done for families with histories of genetic disorders before any symptoms of the genetic disorder appear in order to discover if they are at risk for developing the disorder. However, only a handful of disorders are preventable or even treatable.

A bright spot on the horizon is Pharmacogenetics Testing, (PGT), the study of how variations in the human genome affect the response to medications, utilizes DNA taken from mouth swab to discover genetic variations that could affect a subject’s clinical responses to medications. Medical providers customize profiles are to fine-tune and tailor the administration of medications to each individual subject or patient.

A trend toward genetics may renew public interest in Eugenics, which is attempting to improve an ancestry or race or by removing undesirable traits from members of that race. It is presented as a mathematical theory. Positive eugenics improving the race by enhancing desirable traits intelligence memory physical ability extended life span. The public deemed Eugenics notorious due to the use in Nazi exploitation of the disabled and handicapped during World War II.

Fascination with genetics is an inevitable part of our future. All being well, our bioethics will not be left by the wayside.

Genetics: Being responsible