Friday, July 17

Shilyrand Panashe Charigwati Ouraya Mwana Wake 2 Year Old Ku UK Hertfordshire

A 29-year-old woman has been charged with the murder of a two-year-old child.

 

 

 

The infant was found injured at Juniper Square, a new residential area in Hemel Hempstead, at about 16:40 BST on Sunday.

Hertfordshire Police said the child was taken to hospital but died shortly afterwards.

 

 

 

 

 

Shilyrand Charigwati, of Juniper Square, has appeared at Hatfield Magistrates' Court where she was remanded in custody ahead of a hearing at St Albans Crown Court on Thursday.

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Business Liability Insurance for Small Companies

Business Liability Insurance: Why Small Businesses Need It

Every business faces risk. A customer could slip and fall, a product could cause damage, or a client could claim your service caused financial loss. Business liability insurance helps protect companies from lawsuits and claims.

The most common type is general liability insurance, which may cover bodily injury, property damage, personal injury, advertising injury, and legal defense costs.

What Business Insurance Covers

Coverage depends on the policy. Some businesses also need professional liability insurance, commercial property insurance, cyber liability insurance, workers compensation, or commercial auto insurance.

A consultant may need professional liability coverage, while a retail store may need strong general liability coverage.

Why Coverage Matters

Even a small lawsuit can be expensive. Legal fees, settlements, and court costs may damage a business financially. Insurance can help protect the company’s cash flow and assets.

Conclusion

Business liability insurance is an important investment for small companies. Comparing commercial insurance quotes can help business owners find the right protection.

Business VoIP Phone Systems: Buyer Checklist

Business phone systems have changed. Many companies are replacing traditional phone lines with Voice over Internet Protocol, or VoIP. A business VoIP system uses an internet connection to make and receive calls. It can support desk phones, mobile apps, desktop apps, voicemail-to-email, call routing, video meetings, texting, and reporting. But not every VoIP system is equal, and the cheapest monthly price may not deliver the reliability a business needs.

Start with call quality and internet readiness. VoIP depends on bandwidth, latency, jitter, packet loss, firewall configuration, and network design. A business with unreliable internet should not move phones to VoIP without backup connectivity. Some companies use dual internet providers, cellular backup, quality of service settings, and network monitoring to protect voice traffic.

Hosted PBX systems are popular because the phone platform is managed in the cloud. The provider handles much of the infrastructure, updates, and call routing. Businesses usually pay per user per month. This can reduce the need for onsite phone equipment and make remote work easier.

Important features include auto attendants, ring groups, call queues, call recording, voicemail transcription, business texting, mobile apps, call forwarding, conference calling, direct inward dialing numbers, eFax, paging, emergency calling, and analytics. Not every business needs every feature. A medical office, bank, law firm, school, restaurant, and sales team may have very different call flows.

Reliability should be a top priority. Ask vendors about uptime history, data centers, failover, disaster recovery, emergency routing, and what happens if the internet goes down. Can calls automatically forward to cell phones? Can staff use a mobile app? Does the system support backup internet? How fast can support reroute numbers during an outage?

Pricing can include more than the advertised user rate. Watch for charges for desk phones, installation, number porting, taxes, regulatory fees, call recording storage, contact center features, toll-free minutes, international calling, SMS, integrations, training, and onsite support. Ask for a full first-year and recurring cost estimate.

Number porting is another important step. Moving phone numbers from the old carrier to the new provider can take time. Do not cancel old service until porting is complete. Verify all numbers, including fax lines, alarm lines, elevator lines, credit card terminals, and backup lines. Some non-voice lines may not be suitable for VoIP without special planning.

Security matters. VoIP accounts can be targeted for toll fraud, voicemail attacks, phishing, and unauthorized access. Use strong passwords, multifactor authentication where available, role-based permissions, call restrictions, international dialing controls, and account alerts. Ask how the vendor protects admin portals and detects unusual call patterns.

Integrations can add value. Some VoIP systems connect with customer relationship management software, help desk platforms, Microsoft Teams, Google Workspace, call center tools, and analytics dashboards. Integrations are useful only if they match real workflows. Avoid paying for features employees will not use.

Before selecting a system, map your call flow. Write down main numbers, departments, extensions, after-hours routing, holiday schedules, emergency contacts, voicemail boxes, fax needs, call recording requirements, and reporting needs. This makes vendor demos more productive.

Ask each vendor: What is included per user? What costs extra? Are phones leased or purchased? Is support domestic or offshore? What is the contract term? What happens if we cancel? How are emergency calls handled? How do you support remote users? Can we test call quality before signing? Do you provide training?

A business VoIP system should improve communication, not create confusion. The right choice balances cost, reliability, support, security, and features. A careful buyer checklist can prevent surprises after the phones go live.