Jul
31
Protect Your Business with Errors and Omissions Insurance Coverage
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Because of the way consumers are, many businesses employ E&O or errors and omissions insurance coverage. Such coverage is for a company which provides direction, gives counsel, comes up with answers or works on behalf of others like inspectors, lawyers, graphic artists, software developers, and instructors.
Whatever business you may have, customers can make a case that you did something incorrectly which caused them to lose money.
Every business makes mistakes on occasion because, as an owner, you cannot oversee every project that isn’t in your personal control. E&O insurance covers mistakes made by you and of those that work for you and independent service providers you employ.
Even though a formal contract can limit accountability with your customers, the biggest expense related with an E&O claim is your lawyers required to defend your position.
It is normally suggested that E & O insurance be the basis of your business insurance. Typically, it makes sense to buy the coverage before the launch of a product or when you already have clients. Because you never know when you need this kind of insurance, you need to be ready for any problem.
Professionals who require professional liability insurance coverage are engineers, lawyers, doctors, architects, accountants and others. If your business offers and charges services to clients, you have exposure to errors & omissions. You may want take into account the what happens if a job not performed up to standards or in a timely manner, and it causes your client to have a financial loss or otherwise causes them damage.
Shop around for the most suitable business owner policy. The cost of errors & omissions insurance coverage may differ based on the location, claims experience, classification of business and from one insurance firm to another. It is critical to shop around.
Jul
31
Writing Effective Surveys - 20 Top Tips
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Designing surveys is easy; isn’t it? The reality is that writing surveys is easy but writing effective surveys is more difficult. The following are twenty tips that if followed will help you write more effective surveys.
1. What is the purpose of the survey?
Surveys are conducted for many reasons. By correctly phrasing the questions and structuring the answers surveys can be used in a multitude of ways and for a variety of reasons. When designing a survey don’t lose sight of its purpose.
2. Title the survey
The survey title is a golden opportunity to instantly summarise a survey’s objective and grab the attention of invited respondents. Respondents are going to invest time in completing the survey so make them feel that their investment is worthwhile.
3. Ensure that you do not make the survey any longer than it needs to be
Every question that is asked should be asked for a reason. Minimize asking questions that will provide you with ‘nice to know’ information and concentrate instead on ‘need to know’ questions.
4. Use plain English, avoid jargon and acronyms, maintain consistency and don’t ask questions that may result in ambiguous answers
Word the question carefully. If a question can be interpreted in more ways than one then there is a risk that any analysis of the survey results will be worthless or at the very least suspect.
5. Avoid having long questions
Use short sentences wherever possible. Long questions can cause a respondent discomfort and lead to them abandoning the survey.
6. Ask one question at a time
Avoid confusing the respondent with a question like ‘Do you like tennis and athletics?’
7. Avoid influencing the answer
Do not load the question. ‘Should irresponsible shop keepers who sell tobacco to children be prosecuted?’ is likely to have no value.
8. Ensure that the selected answer format allows the respondent to answer the question being asked
Ensure that the respondent is able to answer how they really feel or they may be less inclined to complete the survey. As a last resort consider the benefit of including a “Can’t say”, “Don’t know” or similar response option.
9. While you are compiling your survey consider how the compiled data is going be analysed when the survey is complete
Appreciate that questions that allow for a free text open ended response is likely to be difficult to score and/or summarised. Consider grouping the answers into groups that will match your analysis requirements. For example “Indicate your length of service?” - ‘less than 1 year’, ‘between 1 and 4 years’ and ‘more than 4′.
10. Try and ensure that the questionnaire flows
Group the questions into clear categories as this makes the task of completing the survey easier for the participants.
11. Target your respondents carefully
In some cases you will want to target a specific group, in others a cross section. If you can’t easily control the respondents consider including questions/answers that will allow you to filter out respondents that don’t match your target profile.
12. Provide a channel for your respondents to expand on their answers or make comments
Allowing respondents to make additional comments will increase their satisfaction level and will also give valuable feedback on the specific questions and/or the survey as a whole. Remember though for a large sample collection it may be difficult to analyze free text open ended responses.
13. If you are conducting a confidential survey ensure that your pledge for confidentiality is honoured
If you have assured respondents that the survey is to be confidential you need to ensure that the collated data is not shared with anyone or used for any other purpose. Confidentiality must be maintained at all times and any contact information destroyed after the survey is complete.
14. Consider the advantages and disadvantages of allowing respondents to be anonymous or identifiable
If your respondents are to be anonymous then appreciate that you will be unable to follow up or match “pre” or “post” surveys. Allowing people to remain anonymous can however have advantages for example it would allow people to respond without possible peer pressure.
15. Carefully consider what the best response format will be
Being consistent with the format used for responses is good practice. When designing your survey keep in mind that when analyzing the data single selection radio buttons are easier to analyze than multiple selection check boxes. Do not use a check box if a radio response would do.
16. Give the respondent an estimate as to how much time the survey will take to complete
If the survey appears to be a stream of never ending questions then respondent drop out can occur. It is good practice to indicate how long the survey is likely to take so that the participants can choose the best time to complete the survey.
17. Advise the respondents of the survey end date
Try and encourage your invited respondents to complete the survey as soon as possible but advise the respondents of the survey’s end date so that they have the opportunity to schedule the necessary time.
18. Test the survey
Before publishing a live survey publish the survey as a trial to check for questions that are ambiguous or confusing and to ensure that the survey is aesthetically pleasing.
19. Before publishing the survey proof read the survey several times
Carefully check and then check again that the survey is grammatically correct and makes sense. If practical get a colleague to check the survey before you publish, if no one else is available then take a break before checking again.
20. Thank your respondents
To complete surveys respondents need to invest their time and should be thanked either in a covering letter, at the end of completing the survey or in a follow up letter. You may even want to consider an incentive such as a reward or entry into a prize draw.
For further information please visit Survey Galaxy
Jul
30
Build Unlimited Websites
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Any business today can benefit from been online
especially during the downturn, but many are deterred from
getting online by the cost of professional help or the time
required with self-build tutorials. Now, with the UK launch of 90
Second Website Builder, individuals and small companies can create a complete,create a complete, custom designed website in a matter of minutes.
The simple but smart ‘drag and drop’ software takes the
complexity out of creating and uploading sites, so that even the
most techno-unsavvy customers can get connected in record time,
for an unbelievable cost of just £47.00.
MD Ken Smaile says: “Unlike most website packages, you don’t
need to know anything about e-commerce or scritps and the like
language or imaging software to produce a professional looking
site. Even if you’re an absolute beginner, with 90 Second
Website Builder you can create a website that will promote your
company - without taking costly time out from your core
business. Simply add your text, logo and images before
publishing with one easy click.”
Traditional HTML editors use dynamic page layout, which means
that the first object placed on the page will then determine the
position of all subsequent items. This new software allows
users to simply point and click to pick up content and drag it
onto the web page, allowing complete control over the web site’s look
and layout.
But the package can do much more than that. Users can also add
banners, navigation bars and ready-to-use javascripts, whilst
doing e-commerce online is a snip with the software’s built in
shopping cart system.
And it’s not just businesses trying to ride out the recession
that will benefit from the 90 Second Website Builder: the
‘Twitter effect’ has spawned a generation of budding web
designers looking for ways to practice their web wizardry.
An online members area includes step-by-step videos showing how
with step by step instructions to setup your new website, also marketing help, including
e-books on how to drive traffic to their new website, ideal for
anybody can get results in no time with minimum outlay.
Ken Smaile concludes: “Everyone from kids building their own
social networking page to businesses whose success depends on a
strong site will love our hand-holding approach. We also provide
a great range of ready to go templates that let you get started
straight away without needing any web skills or extra software.”
So if your looking to get your first website builder then you
have found it in Website Builder