3 Reasons Why Contractors Should Carry General Liability Insurance

As an owner of a construction company, it is essential to know the three reasons why it’s important to carry liability insurance for California contractors as their work is inherently filled with different kind of risks. The coverage helps in protecting the contractors from paying a considerable amount of fees arising from property damage, injuries and any other type of incidents that takes place in the construction site. Hence the right kind of insurance policy and coverage is essential for the protection of the contractors when they are working on any custom project as the general liability insurance provides coverage for lawsuits relating to customer property damage as well as customer injuries.

This insurance is essential for the contractors as they also face the risk of being sued and they can also be held responsible for any damage during their course of work. It also protects the contractors financially so that they will not have to bear the extra expenses when someone sues them for any professional or personal reasons.

Protecting Your Construction Business

This is the most important reason because the contractor insurance policy helps in safeguarding the contractor as well as his company from any lawsuits filed by its customers or clients. Whether the trials are due to advertising injury, physical injury or damage to client’s property, the insurance will help in covering the legal fees while compensating for the losses that are the result of a lawsuit. With the rising costs of lawsuits and court expenses, it is essential to look for insurance that can protect contractors from any legal proceedings and expenditures.

Protection from General Liability

Since construction work involves a lot of risks; the contractors need to have public liability insurance as the insurance will compensate them for litigation fees arising when someone gets injured in the construction site.

The protection is also vital for covering the damage claims of the customer property or in a case when the property becomes unusable due to the negligence of the contractor. This also includes the product claims where the contractor will get an insurance claim when the customer has sued him for damaging any valuables or property with the use of an inferior quality product at the construction site.

Protection from Bodily Injury Claims

Working in a labor-intensive industry is a highly risky venture, and the contractors are subjected to bodily injury claims that might take place even after being careful with their
work. The general liability insurance is vital for the contractors because it can help them in instances when someone meets with an accident due to the fault or negligence of the contractors. Moreover, the insurance policy can be of great relief for the contractors because it also compensates them for the medical expenses when any third party gets injured in the construction site. Therefore it is essential that the contractors be extra careful while working in any third party’s site so that there will not be any case of injuries or accidents.


Is Male Hormone Replacement Therapy Safe?

Is Male Hormone Replacement Therapy Safe

The male hormone replacement industry has seen their reputation tarnished a bit in recent years by the abuse that has taken place in professional sports.  For men suffering from low testosterone along with other hormone deficiencies may be wondering is male hormone replacement therapy safe?  The bad publicity has made many men question the companies that provide hormone replacement therapy.  Let’s address those concerns.

Why Use Hormone Replacement Therapy

Male hormone replacement therapy is used to treat the symptoms of andropause or “male menopause”.  Here are some of the symptoms that hormone replacement therapy can help alleviate.

  • Fatigue
  • Memory loss and poor concentration
  • Mood swings
  • Depression
  • Night sweats and hot flashes
  • Decreased sex drive and erectile dysfunction

If any or all of these symptoms are familiar to you then you might want to see your doctor and be tested for andropause.  While menopause in women is commonly known andropause in men is finally getting the attention it needs.  Andropause and the ensuing symptoms can be easily diagnosed with a simple blood test.  There are plenty of treatment options available.

Misdiagnoses in Andropause

It is not that your doctor misdiagnoses your symptoms so much that they treat each of the symptoms individually.  For instance you could end up with a prescription for Viagra to treat erectile dysfunction, a sleeping pill for insomnia and an antidepressant for depression.  Whereas the cause of all these symptoms may be caused by low testosterone and should be treated as one condition.  Here is help in dealing with your doctor.

Hormone Replacement Therapy

Now to answer the question as to whether or not hormone replacement therapy is safe the answer is yes.  But, you must have it properly diagnosed and monitored.  You can safely use creams and supplements to treat your testosterone deficiencies and the symptoms of andropause.  There may be other treatments that your doctor may recommend including, HGH, estrogen blockers and human growth hormones.

What to Look For

Work with your doctor to find the right hormone replacement therapy, one that is tailored to your specific needs and the symptoms that you are suffering from.  Always stay under the supervision of your doctor or another doctor that is experienced in treating hormone deficiencies.  You will want to continually monitor your hormone levels to make sure that your treatment is working for you.  You want to alleviate the symptoms of andropause but at the same time you want to stay healthy, working with your doctor is the best way to do this.