Opportunities and Risks in International Link Building

Of the opportunities and risks in international linkbuilding

 

Resulta ng larawan para sa link building

The first time Campixx and the first time give a workshop. The unconference of 2013 was definitely exciting for me. Fortunately, I had a subject in my luggage that I deal with on a daily basis: international link building. I have taken this into opportunities and risks and now I would like to present you the results. The focus was on link building measures in France, the UK, Spain and Italy. Germany served as a comparison market.

A market with many opportunities or where is left-linking really fun?

The first question every linkbuilder asks is “What can I do with my actions in which time?”. Of course, this depends very much on the competition in the SERPs . In a competitive market it is relatively easy to get ahead with a bit of link building, but in a highly competitive market you have to invest a lot of time and money. The size of the competition essentially influences the number of domains . A study by Sistrix from 2012 provides the appropriate numbers.

Of the countries surveyed, competition is greatest in the UK . Not surprisingly, considering that the UK index includes not only British but also US and other English-language domains. The competition in Germany looks similar, which is why a domain in the UK and DE only averages 10 to 11 rankings in the top 100.

The situation in France, Italy and Spain is a lot more comfortable. Here the competition is lower and there listed domains come on average on 35-45 well-placed keywords .

Risks in international linkbuilding – what to look for

No matter which country you end up doing link building for: there are peculiarities everywhere that should be taken into account so that there is no danger of punishment .

Top-level domains and server locations

A careful choice of linkers gives you the opportunity to make it relevant to a particular country . So a French domain should have many links from French websites. But what if you only have .fr domains in the backlink profile? Is that still natural?

The answer is no. In France only about 34% of all domains carry the domain extension .fr (see chart 2). The reason for this is that until the end of 2011 only Frenchmen were able to register a French domain. In Spain, the figure is about 48% . So if you go purely from Germany, where the percentage of .de domains is much larger, then you run the risk of building an unnatural backlink profile.

The situation is similar with the server location . Again, you should not go out of Germany and suspect that all domains are always hosted in each country. The backlink profiles of Spanish and British domains are a lot more colorful. A normal online shop in the UK, for example, also has a number of links from domains that can NOT be explicitly assigned to the British Isles via the server location.

Anchor text distribution

Even with the link structures, there can be many peculiarities. A study by Webcertain has examined the anchor text distribution in several countries . The result: Everywhere the strongest focus is placed on linking with the fire . In France, however, this proportion is even greater, while the English people link above-average with the URL (see Figure 4).

Differences in anchor text distribution 

Legal obligations to mark links

A tiresome topic in all EU countries is the discussion of whether links must be marked as purchased links . If it is a promotional item with links integrated, then the legislation is the same everywhere: advertising must be declared as advertising. Incidentally, the basis for this is an EU directive dating from 2005 . But what if it’s just a single link – is that advertising? Here a lot of interpretation is needed and this is different in the different countries. For the Italians and Spaniards, this is not really a topic, but in linkbuilding in France and the UK you find yourself quickly in discussions. For example, Article L.213-1 of the “Code de la Consommation” provides for two years’ imprisonment and around € 37,000 in France if someone violates the law. In the UK, the agency Handpicked Media was sued only in 2010, because this had a blogger network, where they sold without promotional labeling sponsored articles. No wonder that bloggers in France and the UK are very sensitized. Now one or the other may think: “I do not care, what interests me the risk of the blogger?” Far from it. Those who argue insensitive, among other things, provokes a shitstorm in the blogosphere. Here a lot of caution and negotiating skills are required!

Other countries other manners

Differences in culture and mentality also become apparent when agreeing on link cooperation. While the Spaniards are generally very relaxed and open to many ideas, our French neighbors are quickly reaching their limits. As the topic is not 100% fit, the money is not too fast on the account or there is the discussion about the attribute “article sponsorisé” in the center. In any case, more discussion and explanation should be expected here.

Conclusion: opportunities and risks in the UK, France, Italy and Spain

As the previous explanations have shown, link building in Italy and Spain is much easier and leads to success faster than, for example, in the UK. Nevertheless, there are certain peculiarities in each country, which you have to keep in mind. Top-level domains, server locations, anchor-text distributions and legislations are just a small part of the big picture.

 

The importance of backlinks for SEO

 

Introduction:

Blogging is a very effective way in social media marketing in today’s world and this requires some SEO tools, ie search engine optimization tools to make this blog visible to people and promote the brand effectively. . These tools are really very useful for new bloggers who are beginners in the field of social media marketing. Among all the SEO backlink tools is the most used and most reliable medium. It is believed to be the basic basis of search engine optimization for a blog. This is an essential tool to develop your blogging realm and social media marketing.

 

What is a Backlink:

 

Resulta ng larawan para sa backlink

Backlink is a link that a website can get from another website that can promote the previous one. It is used to improve the ranking of a blog in SEO marketing. Backlink is necessary to promote a particular blog or website from a different site that is more famous than this one. In this way, a lesser-known blog can also be known by all. It is the way to promote a blog less known by a popular blog.

 

What is the importance of Backlink?

 

Resulta ng larawan para sa backlink

If a site works as your rank enhancer in the search engines. When a search engine evaluates the relevance of a site, it calculates the number of Backlinks that the site has obtained. And this backlink depends on the quality of the content of a blog. The content of a blog must be relevant enough to be promoted by an old reputable blog that is already optimized. The backlink generator is used to create your blog to get the necessary backlinks. Using the backlink generator tools you can optimize your blog and you can also send your blog to some public relations sites to get useful backlinks from them. Some sites are out there that can help you get the backlinks needed to make your search engine optimized links. There are ready-to-use backlink generators that can help you do it quickly and easily.

 

Some disadvantages:

Some people are there who also do some bad practices with regard to obtaining backlink for their blog. Some people buy and sell backlinks illegally. So these are done separately to get more and more backlinks to make the blog popular and visible to all people. This helps in the promotion of their brands. But these are not allowed. In most cases it is illegal work. Therefore, we must avoid them.

 

Conclusion:

This is an era in which everything is online, including the commercialization of products and brands. So Social Media Marketing has become very popular and should do things these days. It has to be done with extreme mastery so that the marks get a nice hype about it. And for these things, SEO or Search Engine Optimization is done with all this. It is a process by which a blog can get a good visibility of the world and for this purpose, the backlink is very useful. So bloggers should have the backlink generator tools to do SEO for their blogs.

SEO

The importance of backlinks for SEO

 

Introduction:

Blogging is a very effective way in social media marketing in today’s world and this requires some SEO tools, ie search engine optimization tools to make this blog visible to people and promote the brand effectively. . These tools are really very useful for new bloggers who are beginners in the field of social media marketing. Among all the SEO backlink tools is the most used and most reliable medium. It is believed to be the basic basis of search engine optimization for a blog. This is an essential tool to develop your blogging realm and social media marketing.

 

What is a Backlink:

 

Resulta ng larawan para sa backlink

Backlink is a link that a website can get from another website that can promote the previous one. It is used to improve the ranking of a blog in SEO marketing. Backlink is necessary to promote a particular blog or website from a different site that is more famous than this one. In this way, a lesser-known blog can also be known by all. It is the way to promote a blog less known by a popular blog.

 

What is the importance of Backlink?

 

Resulta ng larawan para sa backlink

If a site works as your rank enhancer in the search engines. When a search engine evaluates the relevance of a site, it calculates the number of Backlinks that the site has obtained. And this backlink depends on the quality of the content of a blog. The content of a blog must be relevant enough to be promoted by an old reputable blog that is already optimized. The backlink generator is used to create your blog to get the necessary backlinks. Using the backlink generator tools you can optimize your blog and you can also send your blog to some public relations sites to get useful backlinks from them. Some sites are out there that can help you get the backlinks needed to make your search engine optimized links. There are ready-to-use backlink generators that can help you do it quickly and easily.

 

Some disadvantages:

Some people are there who also do some bad practices with regard to obtaining backlink for their blog. Some people buy and sell backlinks illegally. So these are done separately to get more and more backlinks to make the blog popular and visible to all people. This helps in the promotion of their brands. But these are not allowed. In most cases it is illegal work. Therefore, we must avoid them.

 

Conclusion:

This is an era in which everything is online, including the commercialization of products and brands. So Social Media Marketing has become very popular and should do things these days. It has to be done with extreme mastery so that the marks get a nice hype about it. And for these things, SEO or Search Engine Optimization is done with all this. It is a process by which a blog can get a good visibility of the world and for this purpose, the backlink is very useful. So bloggers should have the backlink generator tools to do SEO for their blogs.

SEO

construction class

Design classes are used by insurance companies to classify a building according to its fire or damage risk. On the basis of the ascertained BAK, the insurance tariff is classified. In addition to the proven construction class for buildings, insurers use additional classification models to determine the insurance rate.

Class 1 homes are the buildings with the lowest fire risk of masonry or roofing. Classes classified in class 5 have the highest fire risk. They have a flammable construction and a soft roofing.

Classifications for prefabricated houses

 

Resulta ng larawan para sa construction class

For prefabricated houses, there is a system similar to the class of construction classification. There, the gradations are called prefabricated house groups. In practice, three prefabricated housing groups are distinguished from one another.

Conditions of the construction classes

The individual construction classes depend on the degree of flammability of the building construction and the roofing. The more flammable the construction and the roof, the higher the class of construction and the worse the classification. Use the following table to determine your design class.

class Condition on outer walls Condition on roofing
BAK 1 Solid construction, for example of masonry or concrete Hard roofing made of bricks, slates or concrete slabs as well as metal, asbestos cement or roofing felt (sanded)
BAK 2 Steel or timber framework filled with stone or glass, construction of steel or reinforced concrete with non-combustible wall panel cladding (eg asbestos cement) Hard roofing made of bricks, slates or concrete slabs as well as metal, asbestos cement or roofing felt (sanded)
BAK 3 Wooden construction or timber framework with clay filling, steel construction or construction of reinforced concrete with wall panels of wood or plastic Hard roofing made of bricks, slates or concrete slabs as well as metal, asbestos cement or roofing felt (sanded)
BAK 4 Like BAK 1 or BAK 2 Soft roof made of combustible materials such as wood, reeds, reeds or straw
BAK 5 Like BAK 3 Soft roof made of combustible materials such as wood, reeds, reeds or straw

Special case BAK 5

Class 5 buildings are often considered uninsurable because their risk of fire or damage is too high.

Mixing of construction classes

If different types of construction are mixed, the worse grade will be applied as soon as more than 25 percent of the building is classified.

Example: A house is built to 60 percent massive and has a hard roofing, the extension is a wooden construction with a hard roof. In this case, the entire building would be classified as BAK 4, although the main building would fall into BAK 1 category.

Conditions of prefabricated house groups

For prefabricated houses, there is also a separate category system, which, however, provides only three grades. As prefabricated houses are generally not soft-minded, for example, the two grades of the construction classes are eliminated. The roofing of prefabricated houses usually always corresponds to the construction class 1.

class Condition on outer walls Condition on roofing
FHG 1 Construction including the load-bearing components made of fire-resistant construction materials Hard roofing made of bricks, slates or concrete slabs as well as metal, asbestos cement or roofing felt (sanded)
FHG 2 Solid foundation with load-bearing construction of steel, wood or lightweight components; load-bearing construction elements and enclosure walls have a fire-retardant or non-combustible cladding / cladding made of clinker, plaster or plasterboard Hard roofing made of bricks, slates or concrete slabs as well as metal, asbestos cement or roofing felt (sanded)
FHG 3 Same conditions as FHG 2, but without fire retardant or non-combustible cladding / cladding Hard roofing made of bricks, slates or concrete slabs as well as metal, asbestos cement or roofing felt (sanded)

Determination of the structural class – and now?

The construction classes or prefabricated housing groups are regulated and defined almost uniformly by the German insurers. With the help of this classification, insurance companies can assess the risk of homeowners insurance. In some cases the construction class or prefabricated building group is also used for household insurance. As a rule, however, this only applies if coverage for elemental damage is desired.

The higher the structural class of a building is determined by the insurance, the higher the insurance premium. If a building is classified in BAK 5, some insurance companies even refuse to take out a policy because the damage and fire risks are too high.

Factors that lead to a higher insurance premium, regardless of BAK / FHG

 

Resulta ng larawan para sa construction class

  • Operation within the building
    If an establishment is housed in a building, the insurance premium increases because the insurer assumes a higher risk of damage.
  • Companies without a fire wall are in close proximity to the building to be insured
    The lack of a fire wall increases the risk that a fire from the operation can easily spread to the residential building.
  • Building with underfloor heating
    The risk of damage or heat damage is significantly higher with underfloor heating than with conventional convection heating. For this reason, the insurers increase the premium.
  • Swimming pool in the house
    A swimming pool in the building carries a significantly higher risk of accidents than a building without a pool. In the case of damage, this means for the insurance company a higher sum which it must reimburse. As a consequence, the insurance raises the tariff.
  • A façade covered with wood or metal
    The risk of fire increases through the use of combustible materials on the facade. Insurers can pay for the higher risk in the form of higher tariffs.
  • Entirely or partially vacant weekend or holiday home
    In vacant buildings, especially in winter, the danger of bursting pipes through frozen water pipes increases. Similarly, leaks or fires can not be detected in time to prevent major damage. Insurance companies therefore assume a higher risk of damage and increase the tariff.

No clear determination of the construction class

Not every building can be clearly assigned to a construction class. This is especially the case when extensions were built. For example, it may be that the main building is solid and constructed with a solid roof, but the extension is a wooden structure with a wooden roof. In this case, the insurance company determines whether the cultivation accounts for more than 25 percent of the total building. If so, the entire building is classified as the most flammable part. Therefore, policyholders should consider possible downgrades in attachments to the class of construction.

Important before completing the policy

 

Resulta ng larawan para sa construction class

When you take out homeowner insurance, you should be aware of how your building is thoughtful and constructed. Scale up your home and compare different insurance rates to determine the cheapest and most powerful for your home.

For example, if you have planned a conversion and change from a soft roof to a solid roof, it makes sense to wait with the completion of homeowners insurance in order to be classified in a better class of construction. You should wait with the completion of the homeowners insurance also in unfinished buildings, as here, the structural class of the shell may be different than the later class after the completion of the building. As a rule, your building project is already covered by the builder’s liability or fire-boot insurance.

Insurance during construction after construction

Important for insurance in building a house

 

Resulta ng larawan para sa construction insurance

  • Insurance cover during the construction period can protect owners in the event of damage before high costs.
  • Important construction insurances are building services insurance, builder’s liability insurance and homeowners insurance. Optionally, the insurance cover can be supplemented with a construction completion insurance.
  • Without insurance coverage, building owners face enormous costs in the event of damage, which can lead to financial ruin.
  • Some contributions for construction insurance as well as for the builder’s liability can be claimed for tax purposes.

Here you will find an overview of all insurances that home builders can complete. They are ordered by phase and priority.

Home construction insurance before construction
  • Owner’s liability: This insurance covers the costs of damage to property and personal injury caused to third parties.
  • Personal insurance: Optional products such as a residual debt insurance with loan default or a term life insurance can protect the construction loan.
  • Legal protection : In order to be protected in legal disputes surrounding the construction, a legal protection insurance offers.
Home construction insurance during the construction period
  • Construction Insurance: This insurance covers the costs of damage, theft or vandalism at the construction site. The transport of tools or building materials is also secured.
  • Construction helper insurance : All accidents are covered by private construction helpers.
  • Raw construction insurance: The insurance covers all damage caused by fire.
  • Building completion insurance: Builders can secure this product in the event of insolvency of the contractor.
Home construction insurance after completion
  • Homeowners insurance : The cover covers damage to the house, which can be caused by tap water or fire.
  • Glass insurance : This allows homeowners to cover all damage to glass windows or glass doors.
  • Water Liability Insurance : This product covers damage caused, for example, by a leak in the oil tank.
  • Building insurance : This is usually a combination of household, homeowners and new construction insurance .
  • Elementary damage insurance: This additional protection can supplement a homeowners insurance.
  • Household insurance : Household insurance covers damage to the interior and household.
  • House and property owner liability insurance: This insurance is required when homeowners rent their property. The insurance covers the negligent violation of traffic safety obligations.

More detailed descriptions can be found below.

So you can combine the insurance

Many home construction insurance policies can be combined. So it is customary to combine the homeowners insurance with a natural hazard insurance. The Feuerrohbauversicherung is in many cases part of a homeowners insurance. After the completion of the house, it will be transferred to a pure residential property insurance.

Those who take out home contents insurance often benefit from a glass breakage insurance. Otherwise, most home contents insurance can be extended by a glass breakage clause.

Policyholders should also check their existing personal liability insurance. In many cases, there is already a client liability as well as a house and landowner liability integrated. However, it is important to pay attention to the registered amount of construction, so that the insurance coverage of the existing policy is sufficient.

Are some insurances useful during the construction phase?

 

Resulta ng larawan para sa construction insurance

During the construction of a house and landowners liability can be useful. For example, children play on the property and injure themselves, seize the house and landowners liability. This also applies if the site is first acquired and not immediately built. In this case, the owners are insured for property damage and personal injury that others incur on their property. However, during the construction phase, it may also be sufficient for a builder’s liability if persons or things are damaged in direct succession by the construction site.

A household insurance is less useful during construction, as it only the household contents is secured, which will not be available in the shell.

Different premiums for solid or prefabricated houses

Who builds a prefabricated house, especially in the builder’s liability as well as the construction insurance in comparison to the construction of a solid house can save considerable. Since less work is estimated for the construction phase and thus the risk of accident or loss is lower, the insurance companies give up to 50 percent discount on the insurance premium when a prefabricated house is built.

Insurance before building a house

 

Resulta ng larawan para sa construction insurance

Principal’s liability

Every client is responsible for all things that happen on the construction site. The owner’s liability insurance covers the costs of damage to persons or property. For example, the policy covers the damage caused by a fallen roof tile on a car parked in front of the property.

When concluding the insurance, it is important to pay attention to the amount of the cover. Anyone who builds much in their own efforts must expect higher premiums. In addition, the builder’s liability in house planning without an architect or a construction company usually can not be completed.

The insurance period of the owner’s liability extends from the start of construction to the completion of the building. The cost of the owner’s liability usually amount to less than 100 euros per year. Some insurers offer the combination with a construction insurance. In this case, policyholders can again save on the premium. A comparison of the benefits should be made in each case. It is important that the insurance is completed before the start of construction.

The costs for the owner’s liability can be claimed in the tax return.

Payment protection insurance

To secure construction loans, the residual debt insurance can be used. Depending on the agreed conditions, the residual debt insurance repays the outstanding loans if, for example, the policyholder becomes unemployed without being liable to pay.

Even in the event of incapacity for work or in the event of death, the residual debt insurance can continue debt repayment. Who wants to make sure that relatives can continue to build the house in the event of damage without financial loss, should conclude such insurance.

The amount of the insurance premium depends on the contractually agreed services and can not be stated on a flat-rate basis. The insurance period is based on the duration of the debt repayment.

Term life insurance

A term life insurance is required by some banks as a hedge for a construction loan. In the event of death of the borrower, the agreed sum insured will be paid. With this money, open loans can be settled. It is important that policyholders calculate the sum insured exactly.

It is recommended that the term life insurance be dynamically adjusted to the falling residual debt and thus the premiums also fall. The insurance premiums can be deducted from the tax.

Legal expenses insurance

A legal expenses insurance covers the costs of legal disputes that may arise during the construction phase. For example, policyholders are protected when neighbors make claims or contractors make unauthorized claims. The owner protection also helps owners in legal disputes with service providers or construction companies.

The amount of the insurance premium depends on the construction or purchase price of the building. The cost can be at a construction cost of 200,000 euros at about 200 euros annually. A deductible is common at most rates.

Avoid double insurance by careful examination

Before concluding the insurance, consumers should check whether their private legal protection insurance already contains property owner protection. This way you can avoid double insurance and unnecessary premium payments.

Possibly an existing legal expenses insurance can be extended against a small premium surcharge. An insurance comparison can also help save money.

A property owner’s insurance can not be deducted from the tax.

Insurance during the construction of the house

 

Resulta ng larawan para sa construction insurance

Works insurance

The construction insurance is usually provided with an all-risk cover. It is therefore also referred to as “comprehensive insurance for construction”. The insurance therefore covers all damage caused to the building under construction as well as to building materials and tools due to weather conditions, vandalism or theft.

Excluded are damages caused by fire. The insurance period is usually set at half a year up to 24 months. If the construction project takes longer, the insurance cover must be adjusted.

The cost of construction insurance depends on the amount of construction. The amount of the premium is usually one tenth of the amount of the construction. It is important that policyholders check the conditions before concluding the contract. In principle, every client should take out this insurance, since the low insurance costs in case of damage count many times over.

Landlords have the opportunity to deduct the construction insurance for tax purposes.

Bauhelfer insurance

As soon as private construction helpers work on a construction site, building owners must, by law, apply for construction helper insurance from the responsible Berufsgenossenschaft Bau. The insurance works like an accident insurance and bears the costs if a construction worker has an accident at the construction site or on the way there.

The legal building assistance insurance is billed on the hours worked by the construction workers. The fees vary from state to state. If a construction worker works less than 40 hours on the construction project, there are no fees to pay.

The basic protection of the construction worker covers the cost of necessary treatment after accidents. However, the benefits are limited. Builders can protect themselves against high follow-up costs if they extend the insurance cover to a private home helpers insurance.

This additional insurance also covers the costs of disability or death of the construction worker. Policyholders should make sure before closing that really all construction workers are reported. In addition, the sum insured applies to all construction workers. Therefore, it is advisable to carefully check the coverage.

Fire insurance shell

The Feuerrohbauversicherung supplements the construction insurance. It attacks all damage to the construction caused by fire. The services are carried out in case of fire due to explosion, lightning or short circuits.

Like the homeowners insurance, the Feuerrohbauversicherung for tenants and individuals is not tax deductible. Landlords can assert the cost of insurance, however.

Baufertigstellungsversicherung

If builders want to protect themselves fully against costs that come in the event of bankruptcy of the construction company or in case of construction defects, they should complete a building completion insurance. It intervenes when the construction company is insolvent and ensures the continuation of the construction.

The insurance period usually covers the period from the start of construction to the expiry of the warranty period. The scope of insurance depends on the choice and scope of protection desired. The costs for the building completion insurance are on average at about three percent of the construction cost. As the costs are higher in comparison with other homebuilding insurances, therefore, all conditions should be scrutinized before concluding such insurance.

Insurance after the house construction

 

Resulta ng larawan para sa construction insurance

Home Insurance

This insurance usually covers all damage to the building caused by fires, explosions, frost, tap water, burst pipes, storm or hail. Homeowners often have insurance companies that already cover some of these risks. However, bringing fire, storm and tap water insurance into a single insurance package, homeowner insurance, can bring benefits. The insurance is basically recommended for all homeowners. When it comes to insurance coverage, it is important to pay attention to an adequate coverage.

The amount of the premium depends on the value of the building. The insurance period is determined by the policyholder himself. As a rule, the standard insurance period is one year. If the insurance is taken out immediately over several years, premium reductions are to be expected. If other policies are used with the same insurer, discounts are also possible.

Tax only landlords can sell the homeowners insurance.

glass insurance

This is a special insurance, which mainly takes over glass damage. Such a policy is recommended when houses have, for example, a conservatory or large glass fronts. Before concluding the contract, it should be checked exactly which glass damage is covered, how high the insurance sum is and what the deductible is. In many cases, the glass insurance is already included in a liability or home insurance.

It is therefore advisable to check existing policies with regard to their services. As a glass insurance individual insurance usually becomes more expensive, you should instead expand your household contents insurance with a glass insurance. The standard term for this insurance is usually one year.

Waters liability insurance

This insurance product is especially recommended for homeowners who heat with oil. If a leak occurs in the oil tank and the water is polluted by it, the insurance will cover the costs for repairing the damage. In many cases, this insurance is included in a conventional private liability.

So before an independent water liability is completed, you should check whether there may be a double insurance. As soon as there is no risk of water pollution by a tank, the water liability can be terminated.

building insurance

The building insurance is a combination of household, homeowners and new construction insurance. In this way premiums can be saved. The term for this combination insurance is individually determined by homeowners. They usually have the option of canceling the insurance on an annual basis.

Hazard insurance

This is an additional insurance for homeowners or household contents insurance, with which homeowners can hedge against natural hazards. These include damage caused by floods or earthquakes.

Such elementary insurance is recommended whenever policyholders live in an endangered area. The costs are usually set individually by the insurer, are dependent on the respective risk and can not be quantified on a flat-rate basis.

Household

The household contents insurance is considered as an important basic protection of the interior and other components of the household. Before concluding, policyholders should carefully check the total value of their household contents, otherwise there is a risk of underinsurance.

In case of damage, the insurance company can then limit its performance. It is therefore advisable to inquire which sum insured per square meter to exclude underinsurance. If home contents insurance is required for professional reasons, it can be deducted pro rata for offices or study.

House and property owner liability insurance

Private homeowners are usually covered by personal liability insurance for damages that occur to third parties on their own property or in the house. Landlords need in these cases, however, a special insurance protection, which can be achieved through a house and Grundstücksbesitzerhaftpflicht.

The insurance period is usually one year. When the insurance is taken out, attention should be paid to cover of at least three million euros for damage to property and personal injury. In many cases, private liability can be favorably supplemented by a landlord and landlord liability for landlords.

Landlords can claim the cost of this special liability in their income tax return as income-related expenses.

Private insurance for construction workers

In principle, all construction workers must be registered with the Berufsgenossenschaft Bau (BauBG) and legally insured – irrespective of whether they are paid for their work or not. The insurance cover of a builder’s liability does not include the protection of the helpers.

If a client does not register the construction worker with the local employer’s liability insurance association, a fine of up to € 2,500 can be imposed. Since the protection of the Berufsgenossenschaft Bau offers only basic insurance, the conclusion of a private construction assistance insurance is highly recommended, irrespective of the statutory compulsory insurance. Thus, in the case of total invalidity, the statutory cover did not make payments. This gap closes the private construction helpers insurance.

Builders and their spouses are not automatically covered by the construction assistance insurance. You can voluntarily secure yourself additionally.

How to find a good construction worker insurance

 

Resulta ng larawan para sa construction worker insurance

If you want to increase the insurance coverage of your construction helpers with a private construction helpers insurance, you should first compare different insurers and their policies with each other. In particular, the benefits of the insurance companies in the event of damage and the amount of coverage count. Choosing the right amount of coverage is important as it does not apply per builder, but for all registered helpers. With a construction assistant insurance comparison, you can quickly find the cheapest and best provider for your construction project online.

Services

The private construction assistance insurance is no substitute for the legal insurance. Rather, consumers can supplement the basic coverage by taking out private insurance. The scope of insurance basically covers all types of accidents that can happen to a construction worker on the construction site. Private home helpers insurance can also be described as “accident insurance for construction”. In addition, the insurance makes capital payments in the event of disability or the death of a construction helper. Optionally, hospital daily allowance or salvage costs can also be covered by the private construction assistance insurance.

It is important that all helpers are given, because only the construction helpers who are in the insurance conditions are insured by the insurance in case of accidents. The builders as policyholders must make sure that the sum insured is sufficiently high. Because it is a flat rate for all insured construction workers and not for each one. For this reason, the amount of the hedging sum can be significantly reduced if the number of construction workers is increased. Therefore, if an insured sum of 200,000 euros is agreed and ten helpers are employed insured, each helper is covered with 20,000 euros.

costs

The costs of the private construction assistance insurance are determined by the extent of the insurance benefit as well as the number of insured construction helpers. The amount of working hours usually plays no part in completing this voluntary insurance.

In many cases you therefore pay a flat rate per construction worker for the construction worker insurance. Normally, the insurance cover is automatically valid for one year. If the construction project takes longer and you still need your own contribution, you must notify the insurer so that your construction workers are still protected. However, the cost of the insurance is often lower than the savings that you have thanks to the own contribution to mortgage lending.

Protection over the professional association construction

 

Resulta ng larawan para sa construction worker insurance

Builders are required to register all construction workers with the local professional association Construction. If there is a client-contractor relationship between builders and construction workers, the construction workers are covered by their own professional association.

In order to use the legal building assistance insurance, the owners announce their construction helpers with the local professional association construction. All private construction helpers are registered. It does not matter if they receive money for their work or not. In most cases, builders receive a questionnaire on construction workers from the competent professional association, because the cooperative is usually informed by the building authority about every construction project.

Specify construction worker

Construction helpers must be specified, otherwise a fine of up to 2,500 euros threatens.

To be registered:

  • relative
  • friends
  • Known

Mini jobbers must also be registered with the employers’ liability insurance association, even if they receive money for their work. Your work must be proven and therefore liable for contributions.

Protection in the event of accidents

Construction workers are protected by the BG in case of accidents on the construction site as well as during the journey and on the way back. But the insurance cover is limited on the one hand by a low coverage. On the other hand, the legal construction assistance insurance does not pay for disability or death.

Contributions and contribution amount

The contributions for the construction assistant insurance over the professional association are calculated from a fictitious wages and a contribution rate. The state spends an annual benchmark on the calculation of contribution rates. The amount of contribution rates varies from state to state.

The statutory home assistant insurance is billed on the hours actually worked with the hourly rate of the respective region.

For example, the BauBG Hamburg charges 2.09 euros per working hour. So if two construction workers with a scope of 100 working hours each were working on the construction site, a total of 418 euros will be due, which the client transfers to BG Bau after the building has been completed. If higher amounts are to be expected, interim bills can also be made.

Carefully keep a construction diary!

If construction workers are deployed, each of whom has less than 40 hours to complete, no contributions will have to be paid. It is important that the working hours and the work reason are correctly entered in a construction journal, because the professional association checks the plausibility of the information.

“There’s nothing happening”

 

Resulta ng larawan para sa construction worker insurance

Anyone who works for construction workers according to the motto “nothing will happen!” Will risk high follow-up costs in the event of damage. In addition to the responsibility each builder has for his construction helpers, securing one’s own security in a construction project also plays an important role. Every year more than 100,000 accidents happen on construction sites. These accidents are usually associated with a high cost.

If a construction worker seriously injures himself on the construction site, the client must bear the costs of hospital stays, treatments or rehab. Depending on the severity of the accident, these amount to several tens of thousands of euros. It gets even more expensive when the construction worker becomes invalid. In this case, the costs of any changes in his home must be taken over or the conversion to a disabled-friendly vehicle to be paid.

If the construction worker can no longer pursue his job later, further payments are possible. In this case, 500,000 euros and more can accumulate, which the client must fully perform.

Although the most important damages are covered by the statutory building assistance insurance through the professional association. However, comprehensive protection in the event of disability, hospitalization or death is only possible with private home helpers insurance.

Especially important for the work of laymen

Professionals work with their machines on the construction site every day and yet something can always happen. However, if laymen handle excavators, saws, drills or other construction equipment, the risk of accidents is much higher. On the one hand, therefore, only experienced laymen should work with special equipment and, on the other hand, the conclusion of a comprehensive construction assistance insurance is urgently advised.

Fire insurance for the construction phase makes sense

Builders are not required to take out fire insurance. However, fire damage carries an incalculable cost risk. If the body shell is not secured in the event of fire, mortgage financing may become impossible. On the other threatens the financial ruin in case of damage. For this reason, a Feuerrohbauversicherung is absolutely necessary when a new house is built.

 

Resulta ng larawan para sa building insurance

Part of the building insurance

The Feuerrohbauversicherung is in most cases already part of the homeowners insurance. Thus, policyholders can complete their building insurance for the finished house already before its completion and are also at the same time during the construction phase for damage by fire hedged. The Feuerrohbauversicherung then applies during the construction of the house and automatically goes after the completion and acceptance of the building in a building insurance. The building is deemed to be ready for occupancy if it is habitable and is completed by windows, a roof and doors. In addition, the sanitary facilities and the electrical system must work.

Fireboat insurance can also be taken out individually. However, this option is seldom used in practice, as a homeowners insurance is often already included in a homeowners insurance policy free of charge.

Note insurance period

Policyholders must pay attention to what period of validity of the fire protection insurance policy is specified in the policy.

If it is foreseeable that the construction phase will take more time, this should be communicated to the insurer before the start of the insurance. In this way, there is no insurance gap. For this reason, some insurance companies extend the term of the fire engine insurance to 24 months when they take out homeowners insurance.

How to find a good fire protection insurance

Builders should also compare the products of different suppliers with the fire insurance company. Here it is important to pay attention to the following aspects:

  • What is the coverage amount?
  • What benefits does the future building insurance cover when a combination package is completed?
  • What services does Feuerrohbauversicherung cover?
  • How many months is the fire protection insurance free of charge for building insurance?
  • How quickly does the insurance reimburse you for any damage?
  • Does the insurance premium have to be paid in advance?

The insurance period

Resulta ng larawan para sa building insurance

Builders are usually covered by the fire miner’s insurance over the six-month period during the construction phase. Many insurers also offer longer terms of up to two years.

If the construction period is extended, policyholders must expect that the insurer then demands a premium for the extension of the protection. But sometimes builders can count on the goodwill of the insurance company. This is especially true when it is only a minimum construction time delay.

The insurance coverage of the Feuerrohbauversicherung covers until the building is ready for occupancy.

Insurance cover during the construction period

During the shell construction phase you are only insured against damage caused by fire. In order to complete the insurance cover during the construction period, it is advisable to take out construction insurance. This insurance usually provides an all-risk coverage with the exclusion of fire damage.

Prerequisite for a construction loan?

Fire protection insurance is not a basic requirement for a construction loan. Since bank lending is tied to collateral, such a loan is usually required to take out a loan.

In the event of damage, the bank would otherwise have to expect a loan default and losses, because the built house would no longer be usable as collateral. Thus, not only the builder, but also the bank that provides the loan for the construction project is covered by the fire-boot insurance.

In addition to the Feuerrohbauversicherung are usually required by banks other insurance products for credit protection, which are also referred to as homeowner insurance. These include the building insurance as well as a term life insurance. While building insurance covers the loan repayment in the event of building damage due to natural events or other causes, the life insurance company bears the loan when a borrower dies.

That’s what the insurance does

 

Resulta ng larawan para sa building insurance

A Feuerrohbauversicherung secures in its name damages caused by fire during the shell construction phase. Their scope of services is similar to that of a fire insurance . The latter is, however, completed for prefabricated buildings and not for shell construction.

The cause of the fire can be explosions, lightning strikes or fires in a Feuerrohbauversicherung. Some policies also cover fire damage after plane crashes or accidents involving rail vehicles.

However, fire insurance covers no damage caused by elementary events such as hail, storm or other polluters such as tap water or groundwater. In this case, however, the insurance coverage of a construction insurance, if it was completed by the builder.

The concrete services in case of damage

First of all, the recovery costs are borne by the insurer in case of damage. If, for example, damaged walls have to be renewed or a roof truss repaired, the insurance company will pay for the necessary work and material as part of the fire protection insurance.

In addition, the insurer also bears additional incidental costs incurred in remedying the damage. These costs are not to be underestimated and can be very high, depending on the scope of damage.

  • Cost of cleanup : For example, if a roof is burned down, the charred remains must be removed and disposed of. The insurer assumes the costs for the work involved.
  • Costs for the protection of the damage location : If building fences have to be set up or other security measures are taken, the insurance company bears the costs after a fire damage.
  • Costs for replacement procurement : If machines can not be used for the time being, because they have to be repaired after an explosion, the insurance pays the replacement equipment.
  • Costs of Required Permits : If a building permit or other fire-related approval expires or expires, the insurance pays the fees to re-apply.

Consumers should always pay attention to what amount of additional costs are covered. The usual practice of insurers is to provide a certain percentage of the total sum insured for ancillary costs. In the insurance policies, insurers’ benefits are broken down and quantified.

That costs the insurance

The cost of a fire shell insurance is usually not listed separately, if this insurance product is already part of a building insurance. In these cases the Feuerrohbauversicherung is integrated free of charge. However, depending on the nature of the policy, it may also be that consumers only have to pay part of the building insurance premium, as the insurance payment during the construction phase is lower than after the completion of the building.

How many policyholders ultimately have to pay for a fire endowment insurance / building insurance depends on various factors:

  1. Amount of coverage:
    The coverage amount of a Feuerrohbauversicherung is usually determined by the value of 1914. This is a fictitious number that reflects the price the insured building would have earned in 1914. On the basis of the result, the amount of coverage is then estimated. The higher the coverage, the higher the insurance premium.
  2. Amount of the deductible:
    As with most insurance products, there is also the possibility of fireboat insurance to increase the excess in the event of damage. However, a higher deductible usually has little effect on a significant discount on the premium. Builders and homeowners should rather consider whether they are willing to pay significantly more in favor of a provisionally lower premium in the event of damage.
  3. Scope of the insurance benefit:
    A fire-boot insurance basically covers a large part of the damage caused by fire. However, it is worthwhile to study the insurance conditions and to check the benefits before you graduate. For example, policyholders may ask whether additional insurance premium costs are really necessary due to a special insurance benefit, such as protection in the event of a fire following a plane crash.

Construction boom in the country: These are the dangers for builders

Construction boom in the country: These are the dangers for builders finanzen.de News always well informed Monday, 19.06.17 , written by Juliane Wellisch New houses and apartments are being eagerly built, not only in big cities, but also in rural areas there is a veritable building boom in many places. But while there is sufficient demand in urban areas, rural areas are often over-built. Who wants to build a house, should therefore pay close attention to whether the site is fit for the future. > Leerstand und Bauboom: Neue Wohnungen trotz Überangebot auf dem Land Real estate bubble in the countryside: builders are attracted to the outskirts

In some areas of Germany, significantly more new homes and apartments are built than is reasonable on the basis of population growth . This emerges from a recent study by the Institute of German Business (IW). Accordingly, new properties are being built, even though there is a vacancy in the area and the need for housing is actually covered.

The clearest example is the Waldeck-Frankenberg district. Nearly 200 apartments were built there in the years 2011 to 2015. On the other hand, only seven were used. Actual demand was thus exceeded by 2,764 percent . For private house builders in particular, such a difference between necessity and construction volume can become a problem in the long term.

Construction boom in the country: These are the consequences for homeowners

Building land is often very cheap in rural areas. It is therefore not surprising that a lot of owner-occupied residential property is created here. For some, long journeys to and from work are accepted . The same applies to shopping facilities and facilities such as doctors’ offices or the post office. This situation can get worse when neighbors move away later and find buyers for their homes. Because in this case close due to the lack of customers, the remaining stores, doctors retire.

In addition, according to the IW experts, there is another danger: the villages are being dispersed . This means that instead of settling in the village center, for example, families and couples prefer to build their own house outside the center. This results in the destruction and division of landscapes, but also reinforces the declining value of real estate and the poor supply situation on the ground .

 

Then builders should pay attention to the location

People dreaming about their own home should consider carefully whether they want to build their own house or buy an existing one and which location is recommended for both variants. For this it is important to deal with the population forecasts on the ground and ask yourself the following questions:

  • Does the region already suffer from rural exodus anyway?
  • Which localities in the target region are likely to attract people in future due to resident companies?
  • What about vacancies?

Answering these questions can help potential homebuyers or builders to make their decision. In any case, it is advisable to take into account when looking for a suitable location, whether there might later find a buyer for the planned house .

The right location for the home: investing in the future

In case of doubt, it is advisable to spend a little more money on the home and settle for it in an area that is not threatened by depopulation. Occasionally, the additional costs incurred can be compensated by choosing a favorable mortgage lending. The Stiftung Warentest, for example, repeatedly states in its investigations that, depending on the type of financing and the amount of the purchase price, there may be interest rate differentials in the five-digit euro range. Therefore, it is advantageous to compare the various conditions with each other in advance of a real estate purchase or construction project.

Service: You are looking for a cheap mortgage financing to realize your dream of owning a home? Request a no-obligation quote and find out how to save interest.

 

Resulta ng larawan para sa building

IW sees municipalities as their duty

Although future homeowners can see the new IW study as an indication of how important the choice of location for the home is. The institute sees not only the builders in the duty. Rather, the experts appeal to affected communities, no more write out new land and possibly demolish old buildings . In addition, money must be invested in city centers. Only in this way can the villages be made more attractive again.

 

Greece and its establishments: purchases with cash

 

Greece and its establishments: purchases with cash

The Greeks withdraw between 80 and 100 million euros every day, despite the control of capital

  • There is provision of basic products although some like meat are bought abroad
  • While trade has fallen by around 70%, sales of food and gasoline have risen by 20%
  • SMEs have more difficulties

dinero, inversión, euros

In Greece there are unprecedented amounts of cash circulating through the streets of the country and there are some anomalies in the distribution of products. Apparently, these are the two most notable consequences since the closure of Greek banks that have been in this situation for fourteen days.

The country has reported that, according to banking sources, the Greeks withdraw between 80 and 100 million euros every day, despite the limit of 60 euros per person that is established in ATMs per person and 120 euros per week to retirees. Thus, the circulation of cash in the country has skyrocketed.

Read also: Live | Greece looks for a new agreement: Europe evaluates the steps to follow

After 14 days of banking corralito, the media reports that many businesses and businesses, mainly SMEs, already use only cash to provide their services. In this way, there are several examples that we can find in the Greek streets about this trend.

Apparently, one of the exceptions to Greek capital control is the payment to foreign suppliers to import basic products such as medicines or food, but it should be noted that since the Federation of Greek Companies complain that the procedure for a committee of the Ministry of Finance authorize which transactions go abroad is “inefficient and tedious”.

An owner of an Athens pharmacy says she has limited the sale to cash payment for the products except for those that are very expensive, which does accept plastic money. “Of course we could continue accepting cards, but while the banks are still closed we can not have the money to pay suppliers, so I collect and pay in cash,” he stressed.

The medium also tells us that we should not be alarmed by the rest of the products because there are enough quantities. Coffee, one of the most important products for Greeks abroad, is not lacking, so the corralito has not prevented external payments. A regent of a coffee franchise comments: “The parent company has told us that we have reserves for three or four months.”

A sector of products that, according to El País, is scarce, is that of packaging such as plastics and polystyrenes, which is forcing imports from outside and makes it difficult to sell certain products, such as food products, for example .

According to the representative of supermarkets, the only shortage of supplies has been due to fresh food that must be imported daily, like the meat that imports from the Netherlands. “Apart from this product, we have not had major problems, because our stock levels are high,” he says.

It is important to note that while trade has fallen by around 70%, food and gasoline sales have experienced a 20% growth . The problems are greater in the SMEs because their supply comes from abroad and some large companies are not having many problems because they anticipated the situation and the period of uncertainty.

 

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Greece and its establishments: purchases with cash

 

Greece and its establishments: purchases with cash

The Greeks withdraw between 80 and 100 million euros every day, despite the control of capital

  • There is provision of basic products although some like meat are bought abroad
  • While trade has fallen by around 70%, sales of food and gasoline have risen by 20%
  • SMEs have more difficulties

dinero, inversión, euros

In Greece there are unprecedented amounts of cash circulating through the streets of the country and there are some anomalies in the distribution of products. Apparently, these are the two most notable consequences since the closure of Greek banks that have been in this situation for fourteen days.

The country has reported that, according to banking sources, the Greeks withdraw between 80 and 100 million euros every day, despite the limit of 60 euros per person that is established in ATMs per person and 120 euros per week to retirees. Thus, the circulation of cash in the country has skyrocketed.

Read also: Live | Greece looks for a new agreement: Europe evaluates the steps to follow

After 14 days of banking corralito, the media reports that many businesses and businesses, mainly SMEs, already use only cash to provide their services. In this way, there are several examples that we can find in the Greek streets about this trend.

Apparently, one of the exceptions to Greek capital control is the payment to foreign suppliers to import basic products such as medicines or food, but it should be noted that since the Federation of Greek Companies complain that the procedure for a committee of the Ministry of Finance authorize which transactions go abroad is “inefficient and tedious”.

An owner of an Athens pharmacy says she has limited the sale to cash payment for the products except for those that are very expensive, which does accept plastic money. “Of course we could continue accepting cards, but while the banks are still closed we can not have the money to pay suppliers, so I collect and pay in cash,” he stressed.

The medium also tells us that we should not be alarmed by the rest of the products because there are enough quantities. Coffee, one of the most important products for Greeks abroad, is not lacking, so the corralito has not prevented external payments. A regent of a coffee franchise comments: “The parent company has told us that we have reserves for three or four months.”

A sector of products that, according to El País, is scarce, is that of packaging such as plastics and polystyrenes, which is forcing imports from outside and makes it difficult to sell certain products, such as food products, for example .

According to the representative of supermarkets, the only shortage of supplies has been due to fresh food that must be imported daily, like the meat that imports from the Netherlands. “Apart from this product, we have not had major problems, because our stock levels are high,” he says.

It is important to note that while trade has fallen by around 70%, food and gasoline sales have experienced a 20% growth . The problems are greater in the SMEs because their supply comes from abroad and some large companies are not having many problems because they anticipated the situation and the period of uncertainty.

 

Main brokers

  • Foreign exchange
  • Actions
  • Binary Options
  • CFDs
  • Futures
  • Options
  • Spread Betting
Brokers Regulation Spread EUR / USD Minimum deposit  
# Cyprus Securities … 0.023 10 See profile Start
# The Financial Cond … 3 200 See profile Start
# Cyprus Securities …   200 See profile Start

The most read

  • News
  • Economy
  1. Has the Ibex changed its trend?
  2. Santander and three other securities that managed to drill resistance this Wednesday
  3. The bank continues offering the abusive cards voided by the Supreme
  4. ArcelorMittal returns to lean on the base of the side: for the annual highs
  5. What does the fear index tell us about a correction in the stock markets?
  6. The protection against the risk of a stock market cataclysm soars in the US
  7. Ibex 35: a simple bounce or change of trend?
  8. The stock markets remain calm and the Ibex already faces the 9,500
  9. Protagonists of the morning in Spain: the “trap” of Sanchez, the electric, the 20-S
  10. Trump’s trade war with China will worsen after the elections