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Developed countries such as Japan, USA and Canada have high percentages of people who get insurance coverage for various purposes. It is said that the degree of awareness a populace with regard to the value and benefits of insurance coverage determines the level of economic progress. Or, perhaps, it is the other way around. Economic health could be spurred by people investing in their future security. Insurance is a form of forced savings which allows people to leverage their future in the event that the unexpected or the unforeseen occurs. A lot of people would not have enjoyed their retirement years without having some form of retirement insurance. Here are some valuable tips about insurance for business-owners which will help them appreciate what insurance can do for them and what they can do with having one: 1. Make it a practice to consider the merits of three or more insurance companies through brokers or free-lance agents. Find out as much as you can about the companies' corporate culture. Are they earnestly interested in your losses in case you reach that point? Or are they merely eager to get you to sign a policy? 2. For many small business-owners, self-insurance is common. However, it can be counter-productive as the potential for acquiring coverage for the whole business is sacrificed in favor of the individual. With so much capital available today, it is more prudent to get coverage for one's business. 3. Annual assessment of one's property is essential as the needs of your company and the liabilities grow. Waiting for several years to have a re-assessment might compromise your firm's ability to recover in case of loss. 4. Oftentimes, the insurer has the option to recompense your loss in three ways: paying the amount lost, repairing the insured asset or replacing the same. Nevertheless, let the insurer know which option you would prefer

Crime Crime levels are low. It is generally safe to walk about at night and to travel on public transport, but you should maintain the same level of vigilance as you would at home and take sensible precautions. Reports of inappropriate touching or 'chikan' of female passengers on commuter trains are fairly common. The police advise that you shout at the perpetrator to attract attention and ask a fellow passenger to call the train staff. The Roppongi entertainment district of Tokyo is considered a higher risk area for crime. British nationals have been arrested following disputes with bar staff and doormen. There have also been reports of drink spiking with drugs like Rohypnol. Victims have described loss of consciousness for several hours, during which time large amounts have been fraudulently billed to their credit card. If your passport is lost or stolen, you should report this at a police station and get a police report. Learn more at http://hhicfg.com/blog/foreign-travel-advice-japan/ Foreign Travel Advice by The Harver Group - Your Health Insurance Counter Fraud Services Tokyo