Do’s and Don’ts for Hiring a Builder


If you are looking to have any form of construction or renovation work carried out on your property it is no surprise that you will want to have the work completed by a professional team of builders who adhere to the highest standards of workmanship. Finding a builder Brisbane of this pedigree can sometimes be a difficult task however there are companies out there that can help you. Always choose fully licensed builders who have the skills to work on a range of projects.

There are still however a number of do’s and don’ts that you need to take into consideration to make certain of hiring the best builder for your unique project. Some of the areas that are vitally important to consider before making a final decision include;

Do: Choose experience. With experience comes a wealth of expert knowledge that can be reflected in the finished build. You need the confidence to put trust in your builder’s ability and have enough faith to leave the project in their capable hands.

Don’t: Make Rash Decisions. Rushing into a building project and making decisions regarding the choice of builder without careful consideration could have disastrous consequences. It is important to discuss what you hope to achieve as an end result in advance so that your builder knows exactly what to aim for.

Do: Negotiate the best price. On providing us at Find a Builder with your requirements, you will in turn be provided with four contacts who qualify most closely to what you need. This will enable you to contact each other and find the best price for the work you need completed.

Don’t: Choose the wrong specialty. If you are looking for a builder to renovate your attic space, a builder who specializes in new builds may not necessarily be the right choice. Take the time to do your research to make sure you hire the most suitable building firm.

Understanding the Basics Behind Group Income Protection Insurance


Group income protection is a brilliant way to ensure that you are protected in the event of an accident or absence from work due to illness. The amount that you pay into the scheme from your salary is minimal, and you may need the payments in the future. Taking out this form of insurance policy will enable both you and your employer to operate harmoniously, regardless of the situation.

Why Group Income Protection is Beneficial to Employers?

Every year the number of employees who are absent from work due to sickness is increasing, which costs businesses over 13.2 billion pounds every year. This staggering figure is increasing every year, therefore, causing issues to companies. The average for every employee in the country is 6.7 days of sick leave every year.

With these statistics showing that more people than ever before are taking sick days, it creates a negative impact on the business. Financial resources are at breaking point, and more businesses than ever before are struggling to pay the sick pay which is needed. Therefore, choosing Group Income Protection is essential, and will help you to deal with long-term financial issues.

Employees will feel that they are being supported by their employers, and employers will feel less of a financial burden. Many employers will continue to pay employees during periods of illness; however, this is often not mandatory. Once they feel they can no longer afford to pay, the financial support will stop.

This can produce difficult emotions as the employee may feel let down, and the employer may feel guilty, especially for loyal employees. Often this will lead to the breakdown of the working relationship. However, this scenario can be avoided with Group income protection, and everyone will remain happy and supportive.

Who Can Be A Beneficiary of Group Income Protection?

The policy can be offered to employees through a number of different methods, ensuring that everyone can afford to take out some cover. Everyone will benefit in a number of different ways including, improved relationships, financial assistance, and reassurance that bills can be paid. The premiums, which are paid, are not taxed, and the employer looses nothing from paying the money. In fact, the company may be able to gain from the support of the rehabilitation scheme offered.

The payments can be delayed for various different periods including, 13, 26, 28, 41, 52 and 104 weeks. The longer that you delay the premiums will be lower and the typical payment are between 0.5% and 1.5% of your average payroll. The amount can also depend on the form of business and your classification and job title.

How Group Income Protection Can Help You

The negotiable premiums and terms will ensure that everyone can be catered for with this scheme, from the first meeting you will be put at ease that your welfare will be catered for in the future. The company will ensure that they contact the best policy providers for your needs, and negotiate the best terms and premium costs.