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Forever Concrete Pros Installation

Forever Concrete Pros Installation

Concrete is the foundation upon which many great projects are built, and Forever Concrete Pros is the concrete installation expert in London, ON, with the experience and know-how to get your concrete project completed on time and on budget.

Concrete is one of the most versatile building materials available on the market today. A concrete installation is extremely strong, and can handle huge weight loads, such as heavy commercial vehicles, for years with no sign of wear and tear.

Concrete flooring has become the preferred choice for not only commercial applications and industrial works areas, but is also popular for residential projects as well. Forever Concrete Pros is the concrete contractor that will handle any concrete project you can imagine, for both residential and commercial applications.

Some of our residential concrete work includes:

  • Sidewalks
  • Driveways
  • Garage floors
  • Patios
  • Porches
  • Basements
  • Stairs and steps

Forever Concrete Pros is fully licensed, and is the commercial concrete contractor prepared to fulfill all your commercial concrete installation requirements on projects such as:

  • Concrete curbs
  • Concrete islands
  • Subgrade corrections
  • Warehouse and industrial manufacturing floors
  • Parking lots
  • Exterior pads/slabs
  • Walkways

After your installation is completed, the concrete can then be stained, polished, and even stamped in decorative patterns to accent its rugged durability.

As a full service concrete contractor, Forever Concrete Pros will handle every detail of your concrete installation. We’ll be glad to remove concrete from an older existing foundation, excavate the soil to prepare it for the new concrete pour, and will personally supervise every detail of the project to completion. Count on Forever Concrete Pros of London, ON to provide you with the very best concrete installation service available.

Let our expertise in concrete make the difference in your next commercial or residential concrete project. Contact our professionals today!

Chiropractor examining a charming woman's back in a room

My Story (or “why I love helping others relieve their pain”)

About 20 years ago when I was a middle schooler back in Corvallis, Oregon, my parents and I were driving in the family car to pick up my sister at tennis camp. I was in the back seat and remember we were going across a bridge with the traffic backed up ahead of us. We were forced to come to a stop in the middle and then suddenly—BAM!—we were hit from the rear by a car that was following too closely.

I recall that my neck snapped back but I was not aware of any problem at that moment. We were able to drive away afterwards after determining that apparently the car was okay and so were we. However, a day or so later things changed dramatically for me. I was at practice with my middle school football team and the coach was having us do a neck stretching exercise. That’s when it hit me—severe pain and stiffness in my neck. I had to leave the field and, for a time, my football team.

My mom took me to our family doctor and he gave me some pain pills and a warning to stay away from the game until the neck healed on its own. But the pain stayed with me and the pills only covered it up for a while. I was a kid who loved football and was depressed about missing it. Then a family friend suggested visiting a Chiropractor in Pickering he knew.

Well, to make a long story short, I did visit that specialist who gave what I later learned were “adjustments” over a few visits to re-align my spine. He told me some of my vertebrae were kicked out of whack with the impact of the accident and caused all the neck pain. Within a week my neck was back to normal. I felt no pain no matter how much I stretched my neck.

As a kid, I remember being pretty amazed that a little manipulation of my spine could totally cure my neck. I expressed that amazement to the doctor and he said something to me that pretty much changed my life. He said that a lot of people are astonished at how something so gentle and painless could have such miraculous effects. And he also said—and I can hear his words as I write this—“Scott, maybe when you grow up you’d like to help people as I much as I was able to help you.” Kids are pretty impressionable at that age, and I was no different. I remembered that Chiropractor and when it came time to choose a profession, I felt there could be nothing more worthwhile than learning how to help people heal their pain, just like I was helped. That’s how it happened that today I am a doctor of Chiropractic working with people like you to overcome a serious issue that affects the quality of their life.

firearms instructor

Firearm Instructor Insurance – Instructor Insurance Canada

Can you believe that statistics show that more and more people are buying guns for themselves in the United States?  Gun ownership has never been so high.  It could be because of the increasing crime rates and homeowners simply want to protect their loved ones and their homes.  However, a gun in the hands of someone who has no idea how to use them is more dangerous than helpful.  What good would it do you if let’s say someone breaks into your house and you wave your gun at him but you are utterly clueless on how to aim before buying?  This is a recipe for disaster.

Because these new gun owners realize the risk involved upon their latest purchase, they seek and look for a firearm instructor who can possibly help them learn how to use a gun so that they will not be a danger to their loved ones, to their community and even to themselves.  Consequently as the demand for a licensed firearm instructor increases, so is the demand for Firearm Instructor Insurance.

It takes only common sense for a person to realize why it is important for firearm instructors to have insurance.  We know that guns can be a weapon of violence if it is not used properly.  It can also post as a hazard in case an accident happens.  For those who are lucky after getting hit, they can just have a wound.  Others, however, are not so lucky.  Hence, since you are a firearm instructor and is constantly exposed to the risk of your job, having Firearm Instructor Insurance must be the most important and the wisest decision that you could ever make.  It may cost you a little extra but it is ultimately worth it considering the many benefits.

Most insurance companies offer a close price range for such insurance.  There is a monthly option wherein you have to pay a certain amount every month and a yearly contract too for those who would rather have a long term commitment.  At the end of the year, those who picked the annual scheme gets to save so much more than those who chose the monthly one.  If you are new as a firearm instructor and you are still unsure whether to pursue it or not, it is highly recommended to choose the monthly package.  Why continue paying for insurance if you decide to shift to another career?  If you are already an established firearm instructor, on the other hand, then go for the annual package.  That way your company saves more on insurance and directs the funds where it is most needed.

Get a Firearm Instructor Insurance plan and protect yourself from undesirable circumstances that may arise due to the nature of your job.  It can pay for your bills should there be a need for you to visit a doctor in case of an accident and it can protect you from possible lawsuits.  Like they say, better safe than sorry.

Flight Instructor Insurance

Understanding Canadian Instructors Insurance – Flight Instructor Insurance

Did you know that in the United States alone, there are 87,000 flight instructors?  Among the huge number, however, only 11,000 are active and working.  Most of them are relatively young and under 30 years old.  There is, however, a group between the 30 to 60 years old who still enjoy flying but with a twist in their career.  Instead of piloting huge aircraft, they now teach people how to fly.  This is either their hobby because they are already retired or something they do for extra income.

In any case, these pilots between the ages of 30 to 60 do not make a huge amount of money.  Hence, they were never really a target for lawsuits for the simple reason that they do not have enough money to pay anyway.  That, however, is slowly changing.  I am sure that you know just how quick to sue our society is today.  They complain about the smallest things and sadly, our middle aged pilots are no longer spared.  People sue them anyway despite their relatively low income.  And because flight school enrollment fees are far from affordable, students tend to lower the coverage of their insurance.  Consequently, the instructor is at more risk if ever an accident occurs.

In the past, flight schools cover the insurance of their flight instructors but now not anymore.  Most flight instructors work as a “freelancer” and contractors instead of actual employees.  Hence, it is important for these people to invest on flight instructor insurance for themselves.

Before you start thinking what a huge amount you have to dole out on a regular basis, think about this.  Ever year, there are a lot of accidents and unfortunate incidents that happen during flight instruction training.  Depending on the severity of the accident, it could result to aircraft damage, which in itself is really expensive; and occasionally injury of the student or sometimes even death.

Even experienced pilots run into accidents.  What more those who are new in the field?  The truth is that these things happen and you have to be prepared if it does because more often than not, it is the flight instructor who is held liable for whatever happens during flight instruction training.  Hence, it is wise for you to invest on a flight instructor insurance.  It is a good precautionary measure and a preemptive way of taking care of you and protecting yourself should these things occur.  In cases where in a lawsuit is filed against you to recover monetary damages, at least you do not have to face it alone.  You have an insurance policy that’s got your back.

You have probably heard the saying it is better safe than sorry.  As a pilot, it is wise for you to avoid leaving lose ends and leaving things to chance.  This could end up in a lawsuit that you just can’t handle.  Accidents can happen anytime so make the right choice and get a flight instructor insurance today.

Aerobics Pilates personal trainer helping women group

Pilates Instructor Insurance – Canadian Instructors Insurance

Pilates will always be one form of exercise that will need the help of instructors. Instructors need to complete a certified training program in order to be competent and trusted by their students because of the various forms of muscle stretching, strengthening, breathing, and exercise which supports the alignment of one’s spine. With these delicate movements, students are not far from being harmed or injured. In these cases, trainers need to be enrolled with Pilates Instructor Insurance.

Just a single claim or complaint from a student, an instructor can be sued for negligence during rendering of his or her service. Whether he or she is employed or self-employed, working full time or part-time, he or she can apply for insurance, as long as he or she has completed a certified training program. The insurance can protect the instructor from liability and trip-and-fall claims whether they are in homes, health clubs, gyms, or the YMCA’s.

Pilates programs include two types of exercise: mat and equipment-based. A Pilates Instructor Insurance coverage comes in these two types as well. Primarily, an instructor can be covered with the general liability insurance. This basically means that you are protected from financial loss if a client is injured and charges you for being negligent. If you are not insured, you will have to pay for losses from your own pocket.

An addition to the general liability insurance is the miscellaneous liability which can cover you if ever there is bodily injury of your clients resulting from failure to provide services to them. Another important consideration is a sexual harassment claim. You can be protected up to $300,000 in coverage, which is according to cumulative occurrences.

Clients can have the right to make claims for any wrongdoing you might have made, which includes oversight, misleading advice, or any error that they can consider as negligence. If they claim that you must pay damages, a professional indemnity can cover you, which means they can cover your compensation.

Together with these inclusions, such insurance also includes the Products liability, which is coverage for your equipment. The aggregate or cumulative limit you can be protected is $1,000,000. That is a pretty high amount considering this is just for equipment coverage.

Pilates instructors must be very careful while teaching their students. If you have been an instructor for so many years, you have built a large network of clients and honed your skill. Protect what you have worked hard for and the wonderful relationship you have built with your clients. Include Pilates Instructor Insurance in your list of priorities to boost your work in promoting the health and wellness of individuals.

Swim Instructor Insurance

Swim Instructor Insurance – Oyo Insurance

How many times have you heard of people accidentally drowning in either a swimming pool or the open sea?  If there is a lifeguard present in the place of the accident, well you can consider the victim lucky.  Otherwise, he or she is in for some serious trouble.

You see, helping drowning people is not as easy as they make it appear on TV.  If you are one of those “Baywatch Babies”, I am sorry to burst your bubble but the truth is no one can look that gorgeous while swimming after someone who is drowning.  Saving the life of a drowning person entails risks and that entails risking your very own life in the process.  What a lot of people do not know is that in order for a drowning person to gasp for breath that entails having to push something (or someone) down so they can propel themselves up.  Hence, there have been occurrences wherein the person trying to save the one drowning ended up in trouble because they were pushed down in the drowning person’s desperation for air.  You are open to such a risk and many others as a swim instructor and that is precisely why you need swim instructor insurance.

Regardless of what profession you choose to pursue, there are always risks involved.  Unfortunately, the risk in some professions are higher than others and as a swimming instructor, yours is pretty high on the risk factor.  Why?  Let’s put it this way, even the best swimmer can drown due to cramps.  What more a person who has not developed his or her skill in swimming?  As an instructor, you are dealing with beginners and newbie’s.  Hence, you must take every precaution to make sure that they stay safe as you take care of yourself and the best way to do this is to get a swim instructor insurance.

Whether you teach adults, schools, juniors, seniors and professionals how to swim during your spare time or as a full time job, you must invest into swim instructor insurance.  This may cost you a little on a monthly or quarterly basis (depending on your plan) but it is definitely worth it because there are so many benefits.  Aside from peace of mind knowing that you are fully covered and protected, you know for sure that your savings are safe too.  I am pretty sure that you have a good idea of how expensive it can be for you if an untoward event happens and you have no insurance to answer for you.  Everything would have to come out of your pocket – an instance that would surely drain whatever savings you have in the bank.

Being able to swim is an invaluable skill in life and it is truly fulfilling and satisfying to teach other people how to acquire and develop the skill.  Of course, you must be wise and learn to take care of yourself in the process.

Insurance

Horse Riding Instructor Insurance – Canada Insurance

One thing is certain, equestrians are a rare breed. Come on, how many professional horse riders have you met in this lifetime? Not much I bet. There is one main and simple reason behind this. Only a privileged few can afford a horse. Come on, one horse can cost as much as a car, maybe even more. No wonder very few are willing to invest in it. Besides being an equestrian entails much passion from the rider. You will experience a lot of falls and accidents especially when you are still learning how to ride. And let us face it, even professional horse riders can fall flat on their back especially if they are trying to do a difficult stunt. The percentage is relatively higher for beginners. If you are a riding instructor, you may want to take extra precaution in a case a student of yours accidentally gets hurt during the training. Hence, you may want to consider getting riding insurance for yourself just to be on the safe side.

When it comes to getting riding instructor insurance, you would have several companies to choose from. Most of them would have the basics although they would have differences in some aspects. Give it a lot of thought before choosing a certain company. Make sure that their offer meets your needs. Even their rates may vary a little although the difference should not be too big. For new instructors who would like to get one, you have the option to get one at a monthly basis. This is a little bit more expensive than opting to get a yearly plan but if you are not sure how long you will stay in the business, then this plan is most ideal for you. If you are however already established and have been in the riding instruction business for some time, then you can go yearly. You will save more in the long run.

It is important for you to realize the importance of getting insurance in your job as a riding instructor. How many unfortunate stories have you heard of a certain instructor being sued for an accident that hurt his or her student? Protect yourself from such events now. By having one, you can be assured of professional help during this tough time. Choose not to get one and you will have no choice but to face the situation alone. Not only will this deprive you of legal counsel and advice but it would cost you so much more. Your savings will certainly take its toll just so you can get yourself out of the mess that the accident caused you.

Make the wise choice and protect yourself even as you enjoy teaching your students how to ride. Get yourself riding instructor insurance today. It is an investment that is definitely worth it. Your safety, protection and peace of mind must always take the front seat.