Questions To Ask When Renting Commercial Property In The West Midlands

If you need to rent commercial property in the West Midlands then you’ve got a lot of choice for areas to find property. The area has a rich history of industry and so many types of buildings are available, however, where ever you decide to rent, it is important that you ask your agent the right questions, so you understand everything about your rental agreement.

Who is responsible for what?Internal and external maintenance: Find out if it is you or the landlord who is responsible for wear and tear on the property, both internally and externally. Also try to find out what is classed as wear and tear.Meeting the standards: Find out if the building meets the standards for health, fire and safety and that it has any certificates you need. Also find out who is responsible for maintaining and checking these standards.Insuring the building: Find out if you’re responsible for the building as well as the contents insurance. It may be included in your rental fee.Getting the correct classification: Find out that the building your intend to rent has the right classification to run the type of business you intend.Disabled access requirements: Find out if it is you or landlord who is responsible for making sure the building meets the required standards.Your rent and what it coversWhen and how it’s paid: Find out when and how the rent should be paid. Also find out what happens if your payment is ever late.Your deposit: Find out how much your deposit is, but also the terms of claiming back your deposit at the end of your tenancy.What’s included: Find out what your rent covers, for example, business rates, site security, share facilities, cleaning services etc.Possible changes: Find out what possible rental reviews there will be in the future.The premises itselfRestrictions on usage: Find out if there are any restrictions on how you can use your building, for example, are you allowed to sublet.Access: Find out what access you have or don’t have, and whether this might restrict the running of your business.Security: Find out what security is available for the site and whether it’s up to standard and how it’s paid for.Ending your lease

Even though you’re just thinking about starting your lease, you need to think about when it ends too.Break clauses: Find out if you should break your lease early, what penalties are levied.What to do next

Now you know what questions to ask, it’s time to start contacting some agents to find soem West Midlands commercial property and see what’s available on the market.

Century Housing In Uganda By Pearl Estates

Pearl Estates Uganda Limited under the management of Mr. Mitul Jobanputra has today realised her long cherished dream of contributing effectively towards the creation of an organized housing culture in Uganda as a means of fighting the problem of proliferation of slums that is a key challenge to the rapid urbanization in Uganda.

According to Mr MITUL JOBANPUTRA, Pearl is one of the entities associated with PICFARE GROUP of companies [the Group]. The Group also owns the multi billion security printing & paper conversion and textile and garments manufactures operating as Picfare Industries Limited and Southern Range Nyanza Limited; based at Njeru near Jinja where over 2000 Ugandans are employed.

Mr. Mitul Jobanputra the Managing director also said that the Group has had the tradition of delivering on her promises to the Ugandan public that has made it possible for Picfare to grow under the able leadership of Mr. Mitul Jobanputra, Group Vice Chairman. Pearl was no exception. Pearl, commenced construction 24 months ago and has managed to deliver the unique, elegant and exclusively fabulous Spring Hills Apartments in the serene Lubowa environment punctuated by the natural breeze from the expansive Lake Victoria; whose view adds to the beauty.

According to reports by Mr. Mitul Jobanputra which he mentioned during the launch, the aggregate project cost has been United States Dollars 7.5 Million that has seen the delivery of 65 Apartments constructed with due regard to pleasure and are therefore secure, possess Dstv and WIFI connectivity, barbeque amenities as well as a modern swimming pool.

No doubt that there is significant concluded purchases of apartments under condominium due to the high end construction that has made significant attention to detail, including the provision of safe and quality parking spaces for home owners.

Mr MITUL JOBANPUTRA then said that PICFARE group continue her commitment to contributing towards the construction of organized housing products in Uganda given that Government appears also committed to facilitating such investments through availing good general infrastructure, affordable credit, land in addition to zero rating Value Added Tax on real estates sales to enable the reduction of real estates sales cost across the board.

What is the importance of enterprise architecture

Information technology is growing swiftly across the globe with new industrial requirements. There are many organizations that are categorized under IT industry. These organizations are combating to enhance the business performance and productivity. There are many business streams in IT industry such as marketing, banking, software and hardware resource development, IT services, management services and many more. These days, most of the organizations are implementing several business management services to enhance the organizational competency and performance. Enterprise architecture (EA) is one of them that help the organizations to increase the business. It is simply defined as the process of converting business methods and vision into an effective way by improving and communicating the models, key requirements, and principles of the existing business.

EA helps the business enterprises to understand the products and platform, strength and weakness and can also resolve several industrial issues. It can improve the business efficiency by delivering faster services. It can develop a relationship with business executives by translating the industrial needs and insights into strategies. These days, business is growing with raising requirements and requires some management services to control the business. It can also describe the organizational evolution by enhancing the business models and principles.

IT organizations are offering several openings for enterprise architecture jobs to enhance the business relationship between the clients and customers and to increase the growth. It has associated with the external environment including business processes and information technologies. The individuals, who work in this platform, are designated as enterprise architects. These architects support the organization by handling several business challenges and implementing the solutions to enhance the performance.

There are many frameworks in EA such as IAF, DoDAF, TOGAF, EAF and many more to provide multiple benefits to augment the organizational productivity. It is the main platform to connect entire business units in the industry. It is considered the best business factor due to its trends such as focus on diversification, breakdown of industry barriers, growing data density, prominence between growth and performance, rate of product innovation, personalized goods and services and many more to maintain the industrial standards. It is not only important in IT industry, but also in other industries such as banking, government sector, healthcare, telecommunications and many other sectors.

Get more information on: Enterprise Architecture Jobs & IT Service Desk Jobs

Feng Shui Training And The Home

If you have feng shui training, then you know how important it is to put these principles into practice in your home and work spaces. If you haven’t had any classes or training in feng shui but would still like to fill your home with the applied principles of it, then feng shui consultations are probably right up your alley. The great thing about feng shui consulting (as opposed to going out and taking classes on your own) is that it provides you with personalized information, direct from a professional.

Rather than learning the principles and then attempting to apply them, amateur-style, to your own home, an experienced professional can take a look at your living and working spaces and tell you how to optimize them for energy flow. They can also give you pointers on improving other aspects of your life that can be manipulated with feng shui. Does your family fight a lot in the living room? Do you have trouble focusing when working at your desk? Both of these are things that can be improved through the use of feng shui.

You can create warmth in the kitchen, romance in the bedroom, and creative, focused productivity in the office, when you room is optimized for those very things. Of course, it is up to you, as the resident of the space, to maintain these spaces in a way that continues to be supportive of this energy and function. One way to stay on top of things is to do what is sometimes known as maintenance cleaning. All this means is that you clean up as you go along, rather than waiting to do it all in one big swoop. That doesn’t mean you have to clean your house every day (who has time for that?), but it does mean cleaning up after you use or dirty any given space. In the bathroom, for example, wiping down the fixtures and counter after using the sink will keep everything spot-free and shiny. It will also make your bathroom a more welcoming place each time you walk in. That way, when it comes time for the weekend cleaning, you’ll have much less to do and won’t feel overwhelmed with how much there is to clean up.

Sometimes, bringing feng shui into a space can help the inhabitants respect the space and its meaning on a deeper level. If you do have feng shui consulting, be sure to share what you’ve learned with the entire family. Even if they don’t all believe fully in the art, they will hopefully respect your intentions regarding their home, and they will certainly appreciate how wonderful the whole house looks and feels!

The Advantages On Garden Playhouse

Children consider play as an enjoyable moment of their lives. This is where they can exercise their imaginative and creative thoughts. As you have noticed, most of the time kids love to play together with their friends. They rather want to play than reading or studying their lessons in school. For them, play is their work and the day will not be completed without it. In the growth and development of every child, play is also one of the important factors to help in developing their skills and behavior. When the child plays, there are unique behaviors that you can notice, like for instance, dealing with their friends and taking their role in the play.

Moreover, the attention of the kids will be caught if they will be able to see an incredible garden playhouse at home. Garden playhouse is one of the amazing gifts that parents or grandparents can give to their kids. Garden playhouse can be made up of plastics, woods and many more. Most of the times, woods are the most popular as it provides greater safety to the kids. Garden playhouse comes with an attractive colors and designs that would surely ignite the energy of the kids to play more. Aside from the above mention benefits, as it allows the development on skills and behavior, it will also strengthen up their bones and muscles as they are growing up. Thus, having garden playhouse will allow the kids to have fun and exercise at the same, instead of doing sedentary lifestyle like seating the whole day on their couch, playing video games, watching movies on television and eating fatty foods that are not healthy.

Garden playhouse is perfectly designed so that the kids will be able to exercise the gift of creative mind. In line with this, garden playhouse was also made at high quality and standard to provide safety to the kids. In addition to that, garden playhouse has different styles from the medieval period until the present times. Because of its benefits and advantages that it provides to the kids, garden playhouse is now made available through online shopping for convenient to the part of the customers. Since garden playhouse is accessible online, manufacturers and suppliers makes their site attractive and convincing to the public by providing pictures and important details through which the customers requires to be inform. With this information that were made accessible online, customers can choose the best garden playhouse for their kids and at the same time budget the money for its cost.

Feng Shui and the Lottery

People are wiling to try all sorts of things if they think that it may help them to win the lottery and one lady has suggested that practising the ancient art of feng shui can help.

Eileen Chen who has been a practioner and a fan of of feng shui for over 10 years claims if that applying the same principles can improve ones chances of a lottery win. She began to read up on Bazi which is an ancient form of divination based on birth date and time. She says it can have an effect on a persons luck and character. She believes a combination of Bazi and Feng shui is good.

Mrs Chen was speaking to the Star Online about applying these principles when setting up a new home and applied it to decor, furnishings and layout. and believes it has great impact on her mood, well being, finances and energy and also

Lotto fans may feel like trying anything if it will raise their chances of a big win playing something like Italian SuperEnalotto – and one person has claimed the ancient art of feng shui can help.

Eileen Chen says:-

-If there is no indication in a person’s Bazi that he will strike a lottery and become rich, no amount of feng shui and renovation to the house will make him strike the lottery.

However, the chances of a person who has an indication of wealth in his Bazi to get a windfall is higher when the right time comes if his house feng shui is good,-

Perhaps this is something that could work for us.

Alternative we may just like to continue with our existing ways of seeking that lottery win.

Whatever you do, best of luck and have fun.

Tony Bayliss How to inprove your chances of a lottery win

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Basic Information on Estate Planning Lawyer St Louis

There will be a time where most of the people will need the assistance and advice of an estate planning lawyer St Louis. Moreover, the lawyer can also help an individual to manage and allocate the property in the right way during a death or incapacity. Some of the areas where estate planning attorneys concentrate include the release or granting of the assets and managing the taxes. A good and reliable lawyer will also plan and allocate the estate and other properties of the clients to their heirs. Moreover, as these experts posses great skills and knowledge, they can give the best advice for the clients to plan and set up the assets. As one will be able to plan the property and assets in the best way with the help of an attorney, there will be no troubles in managing or distributing the properties.

Take care of the Estate Plans and Trusts:

Apart from helping the clients to take care of their estate plans and trusts, a good and reliable lawyer will also give insights to the clients regarding their life insurance laws and retirement plans. On the other hand, they can also settle the trusts, wills, estate plans as well as the needs that require court litigation. However, when looking for an estate planning attorney, it is very important to ensure that he or she has detailed knowledge on properties, wills and trusts. They should also be well versed with state and federal laws.

Selecting the Best Lawyer:

Although one will be able to find numerous options when looking for an estate planning lawyer St Louis, considering the above mentioned aspects and choosing the best is very important. Basically, when a person looks for an estate planning attorney, he or she will be able to find two basic kinds of attorneys. They are the litigation real estate attorney as well as the transactional real estate attorney. Therefore, choosing the right expert, who will be able to understand the real needs and demands of the clients and provide them with the best solutions is quite imperative. Before finalising an attorney, it is also necessary to consider their experience and reputation in the field. Apart from the estate planning, they should also be specialized in dealing with other assets, holdings or properties. As one will be able to manage and allocate the properties in the right way with the help of a lawyer, they can also improve the value of the properties.

Author Resource:

James Stew is conveying information about estate planning lawyer St Louis and . You’re probably thinking, everyone says that, so, what’s different here. It’s the commitment of quality, genuineness, and a guarantee that values your time and interest.

How to Spot an Illegitimate Contractor When You are in need of Home Repairs

The task of moving can be really hard on your wallet especially after taking care of closing costs and travel expenses. The search for reliable moving companies that offer their quality moving services can only add to the overall cost of your relocation. there are moving companies like American Van Lines that offer affordable moving costs and reasonable moving company insurance policies but moving services are just a fraction of the price of moving. The real cost of your move will not take shape until after you have settled into your new home. Home maintenance and repairs are expenses that first time homeowners are unfamiliar with. Things like roofing and plumbing can be costly to repair especially if you are new in town and have not had the time to find an affordable contractor to handle these repairs for you. This leads many homeowners to use illegitimate or unlicensed contractors for their home repairs.

Spotting a shady contractor may be difficult to do but if you know what to look for you should be able to tell who is looking for their next victim and who is running a respectable business. Some contractors will try to force you into making a rushed decision by trying to scare you into using their services. Remember this the next time you have to evaluate a potential contractor for your home repairs. Since there is not definite way to tell exactly how long your home will last without repairs, you should avoid contractors that use comments that speak of impending doom like “your home is going to come down on your head”. A legitimate contractor would give you the results of their assessments without mentioning any bad scenarios.

Price quotes are another way to tell if you are dealing with a reputable contactor. Most shady contractors will pretend as if they can asses the cost of a complicated repair with a simple glance. Even the most experienced contractors need to carefully examine your repairs before they can honestly tell how much you should be charged. Once your home has been evaluated, they will insist on giving you a details inventory of how your repair costs was determined.

Any contractor that asks for their payment upfront may not have the best intentions in mind. A legitimate contractor may ask for a down payment or a percentage of their total repair cost. You will also be able get these agreements in writing from a legitimate contractor.

Renting a House for Students

If you are a student who goes for learning abroad, then the primary things that you will need to concern for yourself is finding houses for rent. Your living accommodations will make a big impact on your education, and you need to make sure that you take the time to find the best housing for your needs.

If you’re fortunate enough to live at home with your parents during your education, that’s great. However, for those who are striking out on their own, choosing a rental house is going to be important. You can find your options in many different ways, depending on what you want and need.

Some people search for house on rent by first searching for flat mates. If you can’t afford to pay the full price for a rental, it’s often easier to find other people seeking mates or a house to live in. In this case, you can often pair up or find a couple of flat mates and then go forward to find a house together.

Many students stay at university and college hostels during their first year. This is a great way to first familiarize yourself with the education facility you are studying at. It also makes new friends whom you can group together with to find a rental house during your second and subsequent years.

After all, it’s much easier to know what you can afford when you have your flat mates already picked out. Alternatively, you can also find a house that you can live in that is already occupied by people looking for another flat mate.

If you’re searching for a house of your own or houses to rent with others, you will need to make sure that you consider a few things besides the cost of the home. What you can afford is very important; but it is not the only deciding factor. You should also consider the location to your education facility, nearby public transport if you don’t have your own vehicle.

Some houses will rent by the week or month while others will want to let them for a year at a time. Additionally, it is a good idea to draft a budget before you commit to a particular place. Also think about how much money you will need for food each week. This financial exercise will give you a good estimate of what you can afford. You should also consider the other expenses so that you can estimate your expenditures beforehand.

About author: The Author Sumit Gurg is a prominent real estate guru and offers guidance to people looking for house on rent as well as writes for a variety of real estate magazine and publications.

Garden Design Software – The Pros And Cons Of Using One

Buying software programs to design your garden for you can be a costly mistake if you choose the wrong thing for your needs. To begin with, let’s take a look at your needs and expectations of any garden design software you may need to purchase.

The first mistake a lot of people make is to think that garden design software will do the design for them. This is simply not the case. Whilst a lot of design software will have some ready-made designs that you can adjust, unless you know the principles of designing your garden, it is very difficult to achieve good results.

It’s a bit like someone giving you the components to a super fast car engine. If you don’t know anything about mechanics, the chances of you producing an engine that really works and delivers what you want it to are very slim. The same is true to designing a garden. Unless you know how it works, all the templates in the world cannot help you achieve the results you want.

Learning the seven most important garden design principles first will enable you to use garden designing software as the tool that it was designed to be.

Pros of Garden Design Software

No drawing required. You can produce a color plan, 3-D views and the best part is it is very easy to make changes.

Cons

It can be time-consuming to learn how to use the software before you even start the design. You are limited to using the materials in the template chooser. The program doesn’t design a garden for you!

Best Option for Planning Your Garden

The best of both worlds would be to do a rough draft of your ideas on paper and then once you think you have a design you like, use a garden design software to draw up a proper plan and give you a 3D view of it.

One thing that is critical to success, though, is the initial survey. Guessing the size and shape of your garden is the worst mistake you can make. You may produce a superb design, but unless it fits, it will be a complete waste of your time.

In a good design, everything links together and functions as one whole entity. So if one part has to change, it has a knock-on effect to everything else in the garden. It’s a bit like having jigsaw pieces that don’t quite fit – it will never work!

Before you buy any software to help you design your garden I would strongly recommend that you do two things. Firstly, learn the principles of garden design; without them you’re wasting your time. Secondly, practice on free software like Google sketch up, to see if you like using a computer to help you design.

Spanish Colonial Revival Style Architecture

Spanish revival architecture is hugely popular in California, and increasingly across the nation. The mission revival style and colonial revival styles grew in popularity at the beginning of the 20th century, but people today still chose to emulate the Spanish style when building their homes and public establishments. Why do people continue to use this Spanish style? I argue that the Spanish colonial style represents the very beginnings of the United States on the west coast, and this time in the US history continues to spark peoples imaginations. The aesthetic elements are iconic, and people still commission architects to create the homes of their dreams in this style.

The Spanish Colonial Revival style was created in the United States in the 20th century, and it was sparked after the opening of the Panama Canal. The novel Ramona also had a great influence on the popularity of this architectural style. The early Spanish colonies of North and South America had their particular style of architecture brought from the homeland, and this style was them updated to accommodate the new century in the US. Between 1915 and 1931 this style was all the rage, and movie stars in Hollywood clamored to get their Hollywood hills homes built in this style. Mostly the single-level detached home saw this style. On a personal note, my own grandmother has one of these homes in California, and its pink!

The Spanish Colonial Revival style is very similar to the Spanish Mission Revival style, but with a few key differences. Its also similar to the pueblo styles of the west and southwest, and influenced as well by the arts and crafts movement that was the foundation of these architectural styles. The iconic use of smooth plaster, stucco walls, and chimney finishes, clay tile roofs, terra cotta and concrete ornaments is still a highly noticeable, recognizable style. Other elements include porches and balconies, and Roman arcades and fountains. Youll also see canvas awnings. The most important Spanish Revival architect in California was George Washington Smith who practiced during 1920s and 1930s. Perhaps his most famous house is the Steedman House in Montecito, CA, now a museum called the Casa del Herrero.

But there are other architects who took this Spanish style across the globe. Take for example a lovely Spanish Revival building in St. Louis, by the architect T.P. Barnett, son of George I. Barnett; another famous architect in St. Louis. The T.P. Barnett building is particularly interesting because it also has Art Deco influences, making it one of the most unique buildings in the Grand Center region of St. Louis. Certainly the next time youre in St. Louis, you need to visit this Spanish Revival building on Washington Avenue.

Brazilian Real Estate Market Investment Opportunities

With breaking news emerging that major airline, Etihad Airways, will be offering direct flights from the United Arab Emirates (UAE) to Sao Paulo from 2013, Brazilian Housetech Development companies have identified the UAE as a target for potential investors to invest in the Brazilian Real Estate Market.

The Brazilian Real Estate Market has opened its doors to the world in recent months as Brazil property investment opportunities continue to soar with the nation witnessing large scale growth. At present, Brazil has one of the most attractive property markets in the world with a number of experts identifying that house price growth in the country currently stands at 23.5%.

Sao Paulo alone is witnessing property prices growing at a rate of 18.7% on a yearly basis and with the news that a major UAE airline has seen the benefits of offering direct flights to Brazil, savvy Brazilian Housetech Development companies are looking to cash in on investors who will undoubtedly take advantage of better access to Brazil because of direct flights into the country.

Waseem Saddique comments: With the world in such a state of economic turmoil its difficult for todays investor to know where to buy real estate. However, Brazil still retains the highly desired imbalance between supply and demand combined with affordable land prices and a domestically-driven economy. Investors, wherever they are in the world, especially the Middle East recognise this and are committing to projects such as Palm Springs, Natal.

Palm Springs already boasts 70% of its land plots sold, having been snapped up by a number of Brazilian middle and upper class nationals and presents itself as one of the most attractive Brazil property investment opportunities available.

Palm Springs is well renowned for its beautiful natural beaches and is ideally located just 20 minutes away from the location of the new international airport that is set to be built in nearby Natal.

In contrast to other Housetech Developments taking place across the area, much of the essential infrastructure is already in place and is approximately 60% complete. Land plots in the area are currently available at very affordable prices and Self-Invested Personal Pension (SIPP) approved investment opportunities are very financially viable.

The area also offers a range of 2 and 3 bedroom luxury villas that can be bought at very low prices, which represent excellent value for money for any UAE investor looking to take advantage of the current state of the Brazil property market.

Different Styles Of Garden Lighting By Rex Fosco

Gardens offer benefits to a home. They are one of the best ways to increase the beauty of any home, and to add a touch of nature, and tranquility. Not only that, but they can serve many purposes and can be used as an extension of your living space.

It is important to put some effort and thought into decorating your garden. One of the important aspects of garden decor is the garden lighting. Lighting is something that can really transform a garden. It not only serves a functional purpose, but also helps improve the ambiance, and atmosphere of your garden. The right lighting can really make all the difference.

There are many styles of garden lighting. If you have a walking path in your garden, you can go for path lighting. These can be small lights, which illuminate the path as it goes along. These can be placed at regular intervals along the path. Path lights not only add beauty, but also help you see the path at night. Similarly, step lighting can be used to highlight the steps of any other unsafe areas in your garden.

If you have a pond or any other water feature in your garden, you can go for marine lighting. These can be around the water source or even under the water. These lights look beautiful, and add a very surreal beauty to the garden. In addition, they bring attention to your water feature, which is one of the most essential parts of your garden. Another type of lighting which is perfect for aesthetic use is shadow lighting. If you have large plants or flowers in your garden, you can use shadow lighting, which creates a very dramatic effect by projecting their shadows on the walls.

Another type of lighting is down lighting. In this type of lighting, objects are illuminated from above, which gives a very natural effect. Up lighting, on the other hand, includes lighting from below, which is mostly used for highlighting focal points in the garden. These can be placed at the foot of trees or plants to illuminate them.

Make sure that the type of lighting you are using is appropriate for your garden. Do not use too many different types of lightings, as these can have a negative effect on your gardens beauty. Always remember that lighting should serve a functional and aesthetic purpose, so do not only focus on one aspect.

Living Room Furniture Decorate Your Life

In the fast moving world we live today everyone wants to find some time for ourselves and we prefer to spend that time in the most comfortable way possible. So some of you that may be sitting in front of the TV in a huge soft couch, dining with your family on a neat table while sitting on high quality and comfortable chairs or just lay down and rest on your comfortable bed . No matter what your imagination for comfort is everyone needs beautiful, functional and comfortable home office furniture. Furniture has been decorating the places we live in since the beginning of time. The first people who used stones as tables and chairs through the middle-ages when making of furniture was turned into art and beautiful works were created to nowadays where beautiful is combined with functional and comfortable. No matter what your imagination for comfort is everyone needs beautiful, functional and comfortable living room furniture.

But now we are talking about living room furniture. And by living room furniture we mean couches, sofas, rugs, coffee tables, stools, fireplaces and others. If a living room is well-appointed and vice versa it can tell a lot about the people who live there about their social status, life style and personality.

You should try to buy the living room furniture that bests fit your living room style and of course make sure that you can afford it. You should try to find the perfect balance between beauty, functionality and price. You should furnish the living room in the way you think will be most comfortable for and your family. For instance if you like to be together with your family and keep talking for hours with them you should consider buying a beautiful and effective fireplace and a soft rug to create the perfect family atmosphere or if you are the party type buy a tough though beautiful table and sofa that can withstand eventual accidents, but still make the room more beautiful.

Never rush into buying living room furniture, due to the big number of home office furniture which is all different you should try finding the one that best fits your needs and budget. You can find many unique designs of sofas, couches, rugs and others in our shop. Made out of the highest quality wooden & metal materials in licensed workshops and we offer you all this on the best prices you can find.

Contractor’s Plant & Machinery Insurance- Benefits And Exclusions

Coverage: Plant and equipment often constitute a considerable part of a building contractor’s investment. Contractor’s Plant and Machinery insurance is an exclusive all risks policy covering the plant and machinery used by the contractors at the site for various projects.
Contractors Plant and Machinery Insurance covers the property whether they are at work or at rest, or being dismantled for the purpose of cleaning or overhauling, or in the course of operations or when being shifted within the premises or during subsequent re-erection, but in any case only after successful commissioning.

Interest Covered: Illustrations of machineries/equipment that can be covered under Contractors Plant & Machinery insurance are-
– Earthmoving equipment: Bulldozer, grader, scraper, excavator, loader, dumper, etc
– Concrete mixer, concrete pumps
– Lifting equipment and drilling equipment Road surfacing equipment:
– Batching plant for production of concrete of asphalt
– Concrete or bitumen paving machines
– Bitumen tank sprayers (iv) rollers

Duration: Normally on annual basis and to be renewed periodically

Scope: It is an all risks insurance policy covering loss or damage to the property by any cause other than those excluded-
– Fire, lightning, explosion, aircraft damage
– Riot, strike, malicious act
– Flood, inundation, storm, cyclone and allied perils
– Landslide, subsidence and rockslide
– Burglary and theft
– Collision, overturning and falling of foreign object
– Any other sudden, unforeseen, accidental damages not explicitly excluded

Exclusions: Some of the special exclusions under the policy are-
– Electrical /mechanical breakdown
– Vehicles designed and licensed for general road
– Hull and machinery of waterborne vessel/crafts
– Plant/machinery working underground
– Equipments undergoing testing
– Replaceable parts
– Loss or damage due to explosion of boiler/pressure vessel
– Total or partial immersion in tidal waters
– Whilst in transit
– Consequential Loss

Extensions: Cover can be extended to includes up to a limit chosen by you on the following on payment of additional premium-
– Owner’s surrounding property
– Clearence and removal of debris
– Additional customs duty
– Express freight
– Air freight
– Third party liability
– Floater cover
– Dismantling
– Earthquake
– Escalation”””