Archive | January 14, 2017

Modern Technology In Sports

What is it about sport that makes it so attractive to people? Is it the adrenaline rush of competitive and/or dangerous sport? Is it the feel good factor of recreational sport; is it the opportunity of socialising with others, or perhaps all of the above? Whatever the reasons may be, sport is certainly getting more and more popular, especially in the developed world.

A major factor in the popularity of sport is the role of modern technology. Improvements in modern technology have resulted in better playing conditions and equipment for players as well as greater viewing pleasure for spectators.

Perhaps the greatest changes have taken place in the designing of sporting facilities – such as modern sports surfaces and improved artificial lighting that offer increased opportunity to play. Modern sports surfaces are low maintenance, therefore low cost, and allow year round use. Professional technical expertise is needed to design and install a modern sports surface. Properties such as its rebound resistance, slip resistance, and shock absorption are measured to ensure that the surface is going to provide optimum playing conditions for that sport, whilst giving players ease of movement and adequate protection from injury. Regular maintenance of sports surfaces, both outdoor and indoor is recommended to ensure safety of players.

Along with an increased number of players there are also an increased number of viewers all over the globe. With the spread of satellite TV, events in one part of the world can be watched real time, in another. Modern flood lighting has not only allowed greater use of sports facilities at the recreational level, but also made possible higher-level competition fixtures such as day-night cricket matches, night-time football matches etc. Electronic score boards, photo-finish timing devices, slow motion replays and large viewing screens have also added to the viewing pleasure of spectators.

Modern materials are used in the manufacture of synthetic sports surfaces as well as sports equipment. Third generation synthetic grass is made from polymers and provides a maintenance free all-weather surface for sports. The use of composite materials makes sports equipment such as rackets and protective gear, lighter and more durable, enabling athletes to further improve their performance. Advances in modern technology have also led to improvements in the design of sports equipment such as trainers and sports shoes, starting blocks for use in athletics, pole vaults etc.

Whilst it is difficult for the average user of sporting equipment to keep up with the latest developments, as a guide in the UK sports equipment and sports facilities and surfaces should comply with British standards. Some governing bodies of individual sports also offer certification to demonstrate compliance with international standards.

Selling Cakes, Cookies And Pies You Need Liability Insurance

It matters not if you bake those chocolate chip cookies once a week for the community center and sell them to make extra money for your son’s little league uniform; if you are selling food products you need liability insurance.

Of course, no one once to think anyone could get sick from their delicious double Dutch chocolate, chocolate chip cookies, but the truth is, it may not be your baking process, it may be an ingredient you used in your cookies, and it is better to be safe than sorry.

Liability insurance policies cover both legal costs and any legal payouts for which the insured would be responsible if found legally liable. Intentional damage and contractual liabilities are typically not covered in these types of policies.

Does a small home-based baker or food processor selling to family, friends and at farmers markets or community fairs/flea markets need liability insurance. Absolutely!

Liability insurance is important for anyone who may be held legally liable for the injuries of others, especially business owners (that’s you). A product manufacturer may purchase product liability insurance to cover them if a product is faulty and causes damage to the purchasers or any other third party. Business owners may purchase liability insurance that covers them if an employee is injured during business operations, for example if you hire your cousin Bill to do the heavy lifting when delivering those amazing beautiful wedding cakes.

One type of insurance coverage that should be considered by all home-based bakers and food manufacturers/processors is “Food Product Liability” coverage. This type of coverage should provide coverage in the event the insured food product injures the person who consumes it. Most retail outlets or locations such as a Farmers Market require that food products have a $1 million to $2 million policy before you will be allowed selling your products. Additional coverage requirements may also be requested.

For example, a retail vendor does not have to allow you to sell your products in their establishment even if you do have the required insurance; plus providers of food product liability insurance may be reluctant to provide you with a policy quote because you are not selling a standard rate of food products. In this case, the provider may prefer to give an estimate which requires very specific information about your products and your business characteristics.

Don’t be surprised if a company requires you to complete an application and submit the businesses’ production, distribution and marketing plans, all of which may be null and void if you are a new home-based baker with no clue of what type of business or how much business you will be doing. The bottom line is product and business liability insurance is essential if you are going to operate a legitimate business in America.