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.
Retroactive date in a professional indemnity policy. Before you start or change a professional indemnity policy check the retroactive (the date after which acts, errors or omissions of the Insured are covered). set policy inception date will suit new businesses, where professionals replacing a policy will require an unlimited retroactive policy to cover there previous activities.