Red imported fire ants. The red imported fire ant (Solenopsis invicta), or simply RIFA, is one of over 280 species in the widespread genus Solenopsis. It is native to South America but it has become both a pest and a health hazard in the southern United States as well as a number of other countries.
Professional Indemnity insurance was designed for professionals who provide advice or a service to their customers. It is designed to protect you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.
Run-off cover for sole practitioners . When a partner leaves a practice the continuing professional indemnity insurance generally provides cover for the work done before leaving, effectively providing run-off cover for that partner. But, when a sole practitioner closes a business there is no-one left behind to maintain the insurance protection. A sole practitioner, therefore,