Help with insurance – public liability and employers liability?
I am working on an assigment for Indian Head Massage and I have no clue what insurance, public and employers liablity means or what it involves.
Please could someone explain (don’t copy/paste straight from wiki as this will not help me!!) simply what this means please?
I have been searching the internet for ages now and I do not understand at all
Thanks.
Unlike employers liability insurance which is a required cover by law if you employ any staff, public liability insurance is not compulsory but is usually considered a key cover for companies looking to protect themselves against unexpected claims that can put the future of the business at risk. Public liability insurance should be taken out by any business that deals directly with the public or works away from home at other premises.
Employers liability insurance enables businesses to meet the costs of compensation and legal fees. Employees injured due to an employer’s negligence can still seek compensation even if the business has ceased to trade. Even if you use self-employed staff, unpaid employees or volunteers you may still need employers liability insurance. Always check with your broker or insurer when you take on new staff whatever the criteria
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Has any one one here ever had Ilitibial band syndrome due to running?I have had this since october and runners knee since december.Ive been to physio,Do stretches 3 times a day as suggested by physio and had a sports massage on saturday and i still cant run just a few steps and i get pain from my knee to my thigh.Has anyone else had this?and how long did it take to recover?
Short Term Treatment
If the pain and inflammation do not subside, all painful activity should stop while continuing immediate treatment. A regular stretching regimen is important. A video analysis of running movements may provide insight into problematic running mechanics. To retain fitness, a number of options will work at this stage, as long as they do not promote pain. Altering these exercises will minimize overtraining:
Swimming, though abstain from the breaststroke as it may aggravate symptoms
Optionally, wearing a life jacket, one may run in the pool (depth allowing)
Cycling, though with care, as it may aggravate symptoms
Speed walking, especially straight-legged to discourage pain
Cross-country skiing
Yoga, or similar low-impact aerobics
At this stage, Steroid injections may be helpful, though some risks are involved.
Long Term Treatment
The last phase is only started once pain and inflammation are gone. Often, this phase involves returning to a normal state, even competitive sports. Though, at least these criteria must be satisfied:
The injured knee has regained full range of motion without pain
The injured knee has regained normal strength compared to the uninjured knee
Cardiovascular endurance has normalized
Most importantly, one must ensure that old symptoms do not recur. Thus, any pain or inflammation must be treated cautiously, especially if the ITBS was serious and involved a lengthy downtime. The return process must be gradual and treated with extreme care, structurally specific stretching during this time is essential and must be done extensively, before and after activity. Returning to activity should be done while correcting, or significantly reducing, any factors that were thought to have caused ITBS. If no factors are identified and corrected, the chance of the re-injury is much higher.
Rarely, and only in extreme cases, surgery is used to correct the injury. Typically, unless one is still suffering from symptoms in 6-12 months, surgery is not performed. It involves the release-excision of the iliotibial band, performed after an arthroscopic evaluation of the knee, which rules out other causes for the symptoms. Only patients unwilling to adapt their exercise because of this injury undergo surgery; it should only be performed after all other treatments have failed.
Sports Massage techniques for the IT band when treating IT band syndrome (runners knee)
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