Will Insurers Cover Business Losses From COVID-19?

As restrictions start to lift, a big question remains: Will governments and lawsuits force insurance providers bandar poker online to cover businesses’ coronavirus-related losses?
The COVID-19 pandemic has pushed many small business owners to the financial brink. Mandatory shutdowns have slashed their revenues, while local regulations are forcing them to spend more to super-clean their businesses and provide enhanced safety measures for their employees and customers. Even as states reopen their economies, many business owners are still forbidden from operating at full capacity, adding further economic strain to their suffering balance sheets.

When these business owners have turned to their business insurance policies for financial relief, many have found that their insurers aren’t paying out, even if these owners have been spending on business interruption insurance for years. Can these business owners expect any financial relief from their insurance providers?

Unfortunately, the answer is complicated. State and federal legislators are looking for ways to require insurance companies to provide payouts for business owners who have invested in business interruption coverage. None of these measures have passed yet, though, and lawsuits filed on behalf of business owners are still in their early stages.

This suggests that business owners would be best off filing coronavirus-related claims anyway, in the hope that their insurers will provide at least some financial relief. Even if they don’t, these business owners will at least have their claims on file in case legislative or legal efforts do eventually force insurers to start paying out.
The COVID-19 challenge
How difficult has life been for small businesses during the pandemic? In the latest MetLife & U.S. Chamber of Commerce Small Business Coronavirus Impact Poll, released in early June, 82% of small business owners said they were concerned about the impact of the pandemic on business, with 43% saying they were “very concerned.”

In the same poll, 55% of small business owners said they think it will take six months to a year before the U.S. business climate returns to normal. That is up from 50% who said the same thing in May.

To make life even more difficult, insurers have largely refused to reimburse businesses for the losses they’ve sustained during the government-required shutdowns.

Why aren’t insurers paying out?
Insurance policies, even those boosted by business interruption coverage, typically don’t cover losses related to pandemics. Insurance companies argue that the costs of pandemic coverage would be so great that they wouldn’t be able to cover them without suffering significant financial losses.

Much of their argument concerns the issue of physical losses. Insurers say that business interruption policies only provide coverage when businesses suffer an income loss because of actual physical damage. A policy would pay out, for instance, if a business suffers damage from a fire or flood and must shut down to make repairs.

But COVID-19 shutdowns were not the result of a physical loss. Because of this, insurers say they don’t have to pay up even if owners have been paying for a business interruption policy for years.

How to Team Up with Other Businesses to Tackle a Common Problem

As one of four Situs judi owners at Blast Beat and a co-founder of one of the subculture’s leading online media outlets Metal Injection for the last 17 years, Pasbani’s livelihood rests on a musical genre recognized mostly by thundering drums, wailing guitars, screeching vocals and most importantly – the ardently devoted fans that thrash around at concerts.

With more than a decade of experience serving the heavy metal faithful, Pasbani and his cohort at Blast Beat work to make mainstream advertisers understand the truth: that metalheads are just like everyone else.

At its inception, Blast Beat was among a relatively small group of advertising networks on the internet and was one of two focused solely on heavy metal. While the original intent was to help Metal Injection secure a better bottom line, Pasbani said that changed when another heavy metal blog called Metal Sucks launched with a similar sense of humor and stylistic approach to covering the heavy metal scene.

After discussing potential collaborative projects, Pasbani said the two sites joined forces to secure advertising revenue. By finding websites that fit a similar niche as theirs did, Pasbani said Blast Beat allows each blog to focus on writing stories while the network handles the part of the business that most creatives don’t like.

“[Our partner sites] are all very small businesses, like it’s usually just one person. It was a very easy pitch to just be like, ‘Here’s one last thing you have to wrack your brain over, and it’s like the least fun part of the job,'” he said. “[By working together,] it became a lot easier to approach certain advertisers that were avoiding working with Metal Injection singularly because we were too small.”

Situations When a Phone Call Can Be More Effective Than Email

While we know to a large extent, business runs on Agen slot online these days, or if you’re under the age of 30, you’ll be using mobile apps as much as you can. Neither an App nor email completely replaces the value of a telephone call. In this article, you’ll learn the telephone call is not dead!

So when is a phone call is more effective than email, and why is it important to recognize when it can make a big difference to your communications?

While our preference in business is to send out a quick email, the real message can be lost in translation; therefore, sometimes it’s essential to take the extra step and pick up the phone. With that in mind, here are some occasions when a phone call can be more effective than an email.

When trying to convey authority
No matter how good you are at writing, it can be hard to convey the correct tone via email. All of your words are up for interpretation, and different readers are going to interpret your message slightly differently, even from the same email.

When you speak to someone on the phone though, you can convey tone much more accurately, giving your message greater authority.

When you want to convey an important message
You might know from personal experience that people’s inboxes can be messy affairs. There are lots of unopened messages, and any new ones go into a queue to be dealt with at some stage.

If you’re trying to send an important message though, you don’t want to be sat hoping the other person has got it. Instead, you can pick up the phone and know for sure the other person received the message.

5 Pancake batters that can take care of all your cooking worries

Pancakes are one of the easiest breakfasts that you can make for your loved ones. Who wouldn’t love a stack of pancakes with some butter and maple syrup? You can enjoy them with fruits too! Though sweet pancakes are the best when it comes to breakfast; however, no one can deny the taste of a salty pancake loaded with veggies in the morning. Pancakes are not just delicious in taste, but healthy as well, which can fill your stomach until lunch. Sometimes, when making the batter of pancakes, we tend to mix a little extra so that everyone can eat them well. So, what happens when there is leftover batter and you don’t need to make more pancakes? If you thinking of throwing it away, STOP right there and store the leftover batter in the freezer. The leftover batter can be used to make your lunch the next day. Here is a list of 5 such pancake batters that you can store to make them later.

1. Egg batter

This is the traditional way of making pancakes and can be easily cooked as well. To make this batter, take a bowl and mix together 1 1/2 cup all-purpose flour, 1 tsp salt, 1 tbsp granulated sugar, 1 1/2 tbsp baking powder. Once all these dry ingredients are mixed, add 1 1/4 cup milk and crack open an egg into it. Whisk well all the ingredients to combine and make a fine batter. You can add a little butter into it for more taste, but this is optional. If there is some leftover batter, transfer in a ziplock pouch and freeze the batter for 2-3 days. You can use it to make thin pancakes for dinner.

2. Appam batter

This is the Indian-style pancake made with rice and poha. To make the batter, wash and soak 2 cups of regular rice with 1 cup boiled or idli rice for 4-5 hours. After soaking time, grind them to a fine paste. Next, add 1 cup grated coconut, 1 cup washed poha, 1/2 tbsp dry yeast, 2 tbsp sugar and 1 tsp salt. Add the desired water for batter consistency and grind again to make a fine batter. Transfer this batter in a large bowl and let it ferment overnight or for 8-12 hours. It will double up in size the next day. Make appams using the same way you make a pancake. You can store in the leftover in an air-tight jar for 2-3 days.

3. Sooji batter

Sooji or rava chilla batter is something that you can easily make in advance for the next day. And the best thing about it that it can stay up to 1-2 days in the fridge. To make the batter, take a large bowl and add 1 cup sooji in it with 1/2 cup salt. Finely chop onion and tomato – one each, 1 green chilli, 2 tbsp coriander leaves, salt to taste. Mix well all the ingredients and add a little water at a time to make the fine batter. When the batter is ready, make chillas on a non-stick pan using a little oil.

4. Curd batter

As this batter is made of yoghurt, it’s advised to use the leftovers within a day max. As the curd can become sourer which can hamper the taste of your pancakes. However, make sure you store the leftover batter in an airtight jar. To make this batter, add 1 cup all-purpose flour in a large bowl. In this bowl, add 1 cup yoghurt, 2 tbsp sugar, 1/4 tsp baking soda, 1 1/4 tsp baking powder, 2 tbsp melted butter, 2 eggs and salt to taste. You can mix a little water for the right consistency. You can enjoy this pancake with jam, butter and even honey.

5. Buttermilk batter

To make the fluffiest batter, you can use buttermilk in it. Take a large bowl and add 2 cups all-purpose flour in it and sieve 2 tsp baking powder, 1 tsp baking soda, 2 tbsp granulated sugar and salt to taste. Once all the dry ingredients are mixed, add 2 eggs, 2 cup buttermilk and 1 tsp vanilla extract. Whisk well all the ingredients to make a fine batter. Once the batter is ready, put a non-stick pa over medium flame and heat a little oil in it. Pour a ladle full of the batter and make pancakes with them. If this batter remains and you need not make more pancakes, add the batter in an airtight container and store in the refrigerator. You can keep this for 1-2 days to make the pancakes later.

Exotic seafood recipes you must try

If you think that tasty exotic seafood can only be found in elite restaurants that most can’t afford, this list will insist you to think again. By combining the taste and textures of different varieties, you can bring a fascinating vibe to even the most common dishes. If you are a fan of exotic seafood but do not want to visit the restaurant, we have some good news for you. You can attempt making a variety of seafood at home and save a lot of money! Here are four exotic seafood recipes that you must try at home for your friends and family.

​Honey schezwan shrimp

This honey schezwan shrimp recipe is a must-try for those who love the fascinating combination of sweet and savoury flavours. This exotic seafood recipe can be easily made at home with some ingredients. Wash and drain 500 grams shrimp and chop ½ cup spring onions, 1 red bell pepper, mince ½ tsp ginger and 6 cloves of garlic. Cut the tails of the shrimp and set aside. Take a bowl and add 2 tbsp soy sauce, 2 tsp honey, 3 tsp corn starch, 3 tbsp tomato ketchup, chopped red bell peppers and minced ginger. Now heat a deep pan on medium and add 2 tbsp vegetable oil. When the oil is hot, add the spring onion and garlic and saute for one minute. Then add the shrimp and give everything a good mix. Add the prepared sauce and make sure each shrimp is properly coated. Cook on low flame for 15-20 minutes before garnishing with white sesame seeds and serving!

Squid risotto

This squid risotto recipe is truly one of the most exotic seafood recipes that you can make at home. Heat a pan on medium flame and add 1 stick of butter. When it melts, throw in 50 grams red onion and 2 minced garlic cloves. Saute and ensure that they don’t burn. When they are well-fried, add 1 ½ cups arborio rice and toss everything together. Add 50ml white wine and cook until it evaporates. Boil 1500ml fish stock in a pot and transfer it little by little to the pan with the rice. Wait for the rice to absorb the stock before adding extra. Cook this way for 16 to 18 minutes, until the rice is done. Now, heat 3-4 tbsp olive oil in a separate pan add 200 grams round cut and cleaned squids. Stir fry the squid for 2 to 3 minutes and add them to the rice mix.

​Grilled fish in garlic butter sauce

If you are just a beginner in making exotic seafood recipes but want to start with a yummy dish, then this grilled fish in garlic butter sauce recipe is just for you. Put a frying pan on medium heat and add 1 tbsp oil. When the oil is hot, grill 500 grams fish fillets over it on both sides, three to four at a time. While they are grilling, sprinkle salt and pepper to taste, ¼ tsp sugar and ¼ tsp lemon juice over them. Put them on a plate and set aside. To prepare the sauce, heat another skillet and dry roast 9 cloves. Then grind it in a food processor to prepare clove powder. Now heat another skillet and add 175 grams of unsalted butter and 1 tsp finely chopped garlic. Once it is fragrant, add cloves, ½ tsp sugar and salt and black pepper as per taste. Mix everything until it turns fragrant. Once everything is well incorporated, switch off the flame and pour the sauce over the grilled fishes and serve.

Salmon with sweet sauce

If you love exotic seafood recipes, then this salmon with sweet sauce recipe would be like a dream come true. The soft texture of salmon combined with sweet and flavourful sauce is heaven in each bite. Wash 4 salmon and 4 sole fish fillets, remove their skin and preheat the oven to 200 degrees celsius. Now carefully roll one sole fillet over one salmon fillet and secure with a kitchen string. Repeat this process with all the four fillets and arrange on a baking tray. Sprinkle sea salt and ground black pepper as per taste and drizzle 1 tsp lemon juice over each roll. Bake for 20 minutes. Meanwhile, prepare the sweet sauce by mixing 2 tbsp dijon mustard, 1 tsp soy sauce and 1 tsp maple syrup in a small bowl. Serve the salmon roll with this sauce as a side. Enjoy!

What foods to stop eating for quick weight loss?

Do you often feel that your diet and eating habits aren’t helping you lose weight? Well, it’s time to hit the pause and take a look at your food preferences that may be silently adding on to your weight and ruining your fat loss goals. So here are a few foods that you must avoid, if you are planning to lose weight and stay in shape.

​Potato Chips

A bowl of potato chips or French Fries can be the best binging delight, when it comes to enjoying some quality time. A bowl of 100grams of potato chips contains as good as 536 calories. No wonder, these chips and fries are delicious, but at the same time the high calorie content as well as the addition of excessive salt and oil can silently spoil your weight loss plans. What’s more, packaged potato chips may often contain cancer-causing substances called acrylamides. Thus, the best way to eat healthy is by making chips or fries at home by baking or pan tossing with less or no oil.

​Sugar loaded drinks

We often grab a bottle of juice or aerated drinks assuming that they are good for health, but did you know that 1 cup of packaged fruit juice may contain as good as 136 calories. Loaded with sugar and soda, these drinks can instantly spike your blood sugar level and in the long run can lead to weight gain and obesity. So, if you are planning to shed some weight, then ditch packaged drinks and go for homemade fresh juices and healthy blends.

​Cookies and pastries

One of the most easily available on-the-go foods, cookies, pastries and other baked goods often seem like a treat to tastebuds, but you would be surprised to know that these baked goodies are packed with calories. So much so that 1 cookie may contain upto 40 calories. Apart from that, cookies and pastries are made of refined sugar, gluten rich flour and fats. Moreover, these baked goodies are also loaded with trans fats and sugar which adds on to the taste, but can end up spoiling your weight loss plans.

​White Bread

A meal without bread may seem incomplete, but have you ever wondered, this delicious addition to your meal may be secretly adding on to your weight? Well, if you are planning to lose weight or following a healthy diet, then consuming white bread can ruin all your efforts. Yes, white bread is loaded with gluten rich flour, added sugar and other ingredients that can simply add on to the calorie count.

Caffeine rich drinks with milk and cream

Coffee is loaded with the goodness of caffeine, which helps in boosting metabolism and helps in burning fats naturally, but the addition of milk, cream, sugar and other ingredients like chocolate or caramel syrups can simply increase the calorie count and induce empty calories. Thus, if you are trying to stay in shape going for black coffee or cold brew can help in managing weight. However, too much consumption of coffee can lead to bloating and discomfort, so make sure you keep a check on your consumption patterns.

How to make Chicken Tikka without a grill

Chicken Tikka is one of the most popular Punjabi recipes and is served as a starter or an appetizer. Not just that people enjoy it also as a side dish with rumali roti. Traditionally, Chicken Tikka recipe is made using an oven or a grill/tandoor and the chicken pieces are grilled to perfection.

It’s a piece of misguided information that Chicken Tikka can only be made in an oven or grill. If you are looking for an easy Chicken Tikka recipe without using an oven/grill, then you have come to the right destination. To make this Chicken Tikka recipe, you can use a stovetop or a non-stick pan to fry the tikka pieces, and you will be surprised to know that this dish can be cooked under 30 minutes. Here is how you can make Chicken Tikka at home without a grill.


Chicken (Boneless), 1 kg

Hung Curd, 1 cup

Refined Oil, 2-5 tbsp

Gram Flour, 2 tbsp

Tandoori Masala, 2 tbsp,

Ginger-garlic paste, 2 1/2 tbsp

Garam Masala Powder, 1 tsp

Lime Juice, 2 tbsp

Red Chilli Powder, 1 1/2 tbsp

Kashmiri Chilli Powder, 2 tsp

Turmeric, 1 tsp

Salt to taste


To make this easy recipe, wash and chop the boneless chicken into pieces. You can choose to have small to medium pieces.

Now, prepare the marinade by mixing all the liquid masalas first. First, add the hung curd, then ginger-garlic paste, lemon juice, and 1 tsp of oil. Mix well and then add all the dry masalas in it – turmeric, red chilli powder, garam masala powder, salt, Kashmiri chilli powder, and lastly tandoori masala. Finally, add gram flour in it and mix well to make a nice marinade to coat chicken pieces.

Add the chicken pieces in this marinade and coat all the pieces well using your hands. Cover this bowl and keep it in the refrigerator for 45 minutes to an hour. For best results, you can keep the chicken marinated overnight.

Once the chicken is marinated, put a non-stick pan over medium flame and add the remaining oil in it. Once the oil is hot enough, add marinated chicken pieces in it, a few at a time. Fry from both ends until they are golden brown in colour. Repeat the process until you are done with all of them.

Now, one the tikkas are done, transfer them on a kitchen towel to soak the extra oil and transfer them to a serving plate. Garnish with thinly sliced raw onion and enjoy with green chutney.

High protein salads with chickpeas and kidney beans

Whether you are planning to shed some weight or trying to strengthen your immunity, adding protein to your diet can work wonders for your health. A little addition of beans and chickpeas to your boring salads can not only amp up the health quotient of your salads, but at the same time will give your salads a twist of taste. Here are a few interesting ways in which you can make your salads more delicious and nutrient-rich.

​Zucchini chickpea salad

If you are looking for a salad that gives you the right dose of protein, then this is the thing to go for! To make this salad, take a pressure cooker over medium flame and add 1 cup overnight soaked chickpea along with a dash of salt. Pressure cook this for 1or 2whistles. Then turn off the flame and drain the excess water.

In the meantime, wash and chop, 1 large onion, 2 tomatoes, 1 zucchini and 1 cucumber. Take a large bowl, add in the fresh veggies, boiled chickpeas. Mix it well.

Then make the dressing, take 1whole lemon juice, 1 teaspoon mixed herbs, 1 teaspoon roasted cumin, 1 teaspoon paprika, ½ teaspoon black pepper and salt as per taste. Whisk it well and add it to the salad, mix it together and enjoy.

​Quinoa and bean salad

To make this drool worthy salad, take a cup of quinoa and cook it partially with some water, drain excess water and keep it aside.

Next, take a pressure cooker and add 1 cup of kidney beans, chickpea and 2 garlic cloves, 4 black pepper whole and 1 inch ginger along with water. Pressure cook for 3 whistles, drain the water and keep the beans and chickpea in a large bowl.

To the bowl, add in 1 cup of hung curd, 1 teaspoon mixed herbs, 1 teaspoon oregano, 1 chopped red onion, 1 cup quinoa, 1 cup mixed peppers, 4 chopped green chilies, 1 handful coriander, salt, pepper, a dash chili flakes and a handful of sweet corn kernels to add a nice crunch. Mix it together and indulge in the goodness.

Kidney bean and shrimp salad

To make this yummy salad, wash and devein the shrimps. Next, wash and chop 1mixed veggies, 1 red onion, 1 carrot, 1 cup lettuce, 2 green chilies. In the meantime, take a pan with water and add in 1 cup of overnight soaked kidney beans, boil it and drain the excess water.

Next, take a pan over medium flame, add in1 tablespoon of sesame oil and once the oil is hot enough add in 1 teaspoon minced garlic and green chilies along with the onion, saute and add in the shrimps and kidney beans.

Then add in 1 teaspoon paprika, 3 spring onions, 1 teaspoon oregano, salt and pepper. Transfer it to the bowl and add in the veggies, add 2 teaspoon of spicy and sweet chilli dressing, mix it well and enjoy.

Easy chickpeas and corn salad

To begin with, boil 1 cup overnight chickpeas and drain the excess water and keep it aside.

In the meantime, wash and chop veggies and par boil the 1 cup corns. Next take a large bowl, add in the boiled corns and chickpeas, add in veggies and leafy greens as per your choice.

Then add in 2 teaspoon of olive oil, 1 teaspoon garlic powder, 1teaspoon chilli flakes, salt, pepper and mix it together. Then add in 1 teaspoon lime juice and 1 handful fresh cilantro and enjoy!

Tossed chicken salad with chickpeas & beans

To make this enticing salad, boil overnight soaked chickpeas and kidney beans, drain the water and keep it aside. In the meantime, wash, clean and boil 1 chicken breast.

Take a pan over medium flame, add in 2 tablespoon olive oil, then add 2 teaspoon ginger and garlic paste, 1 teaspoon cayenne pepper, salt, pepper as required, toss it nicely.

Cover the lid and cook the chicken, then add in 1 teaspoon garlic powder and oregano along with ½ cup parmesan cheese. Add in the boiled kidney beans and chickpeas. Then transfer the salad to a serving plate.

In the meantime, combine 2 tablespoon honey, 1 teaspoon pepper, 2 tablespoon lime juice, 1 teaspoon chili flakes, mix it nicely and pour over the salad and enjoy!