Boswell Romany Museum

The Boswell Romany Museum features decades of curation from Mr.Gordon Boswell. He was a great man who dedicated his life to his collection a information to showcase wonderful pieces of history and craftsmanship.

The Boswell collection, still held strong by the wonderful Mrs. Margaret Boswell, features a number of Romany vehicles. Horse-drawn hearse, wagons, and other artifacts are all housed at Clay Lake Spalding in Lincolnshire, England.

History and Facts About Boswell Romany Museum

Museum Gets Help choosing Best Insurance with a House Insurance Company

Choosing the best insurance plan is all about understanding what’s needed and what’s not. Most people understand the value of protection and will invest in a robust policy agreement without reading through the information.

Before signing up for any package, please take the time to read through all house insurance details as that will set things up for the future. If these details are not kept in mind, the resulting coverage will have flaws in it and that’s never a positive!

Here is a look at what it takes to choose the best insurance package.

1) Cover for Damages

Damage can relate to anything involving the property as long as it’s mentioned in the policy. In general, the agency is responsible for offering fair compensation as decided by both parties. This can include monetary compensation for a replacement, repairs, or anything else associated with the asset itself. Take the time to pay attention to this aspect of the policy before signing on the dotted line. It can make or break how well the agreement works out.

Some of the features include:

* Structural Integrity (HVAC, Foundation)
* Additional Structural Coverage (Mailbox, Driveway, Pool)
* Alternate Accommodation (Living Expenses Post-Claim)
* Personal Possessions (Air Conditioners, Fridge, Ovens)

Look for these features and make sure all “damage” is covered by the agreement. This can play a role in the overall cost associated with the plan. Speak to the representative and get a good look at what is written in the contract as this is an important step in the process.

2) Cover for Liabilities

While damages are an essential part of the agreement, it’s just as important to look at the liabilities. While digging through the house insurance details, pay attention to the liabilities and how they’re written out in the fine print. For example, if a neighbour’s car were to get damaged by a tree on your land, it is going to be your responsibility to foot the repair bill. This is often covered in the agreement along with any other type of liability caused by the building and its assets.

* General Liability Cover (Legal Liabilities, Damage to neighbour’s Property)
* Medical Payments (Bodily Harm Caused by Property)

Another example of a liability would be someone walking on your land and tripping due to ice build-up. There are countless scenarios and it is smart to take a look at the liabilities section of any policy agreement.

3) Pinpointing Add-On Features

As a home or building owner, it’s always recommended to ask for additional “add-on” features to appropriately customise the coverage. Each property has its own requirements and adjusting the agreement based on this premise is always wise.

Add-on features can include:

* Garden Features/Outbuildings (Damage/Liabilities)
* Emergency Services’ Damage (Caused by Police/Firefighters Breaking In)
* Home Emergency Cover (Unsafe Conditions)
* Freezer Assets (Stored Assets on the Property)

Each of these add-on features can prove to be useful in case there’s unwanted damage in the future. There is nothing wrong with maximising these add-on features while developing a robust insurance agreement. For example, if the property has thousands of stored items then it’s sensible to make this feature a requirement. Take the time to speak with the representative and gauge what can or cannot work. In most cases, they will be more than happy to include this feature.

4) Recognise Deductibles and Potential Increases

Deductibles are the amount one pays before the insurer’s responsibility is triggered. This can be pre-determined depending on what is written in the agreement. For example, if you were to have a deductible of $10,000, this means you would pay the first €10,000 on any repair bill that comes up. The rest would be covered by the chosen agency.

A higher deductible is going to lead to lower monthly costs. However, it is also adding the risk of a large payment when claims have to be made. There is a real balancing act here and it is smart to take this into consideration based on your financial situation.

With larger properties with regular usage (i.e. Museums), it’s always best to aim for a lower deductible and maximise the coverage. There are far too many scenarios where damage is a real possibility, therefore, seeking comprehensive protection is smart.

5) Consider Independent Review of Assets

One of the most important steps a property owner can consider is an independent review/inspection of the assets. This is a good way to get a strict figure on each asset with documented proof. If there is a claim to be made then it will go ahead smoothly with this evidence in hand. Too many property owners apply for house insurance but forget to have an inspection done. Pay attention to these details and make sure the investment is solidified. If not, it might lead to unnecessary hurdles down the road and it’s best not to deal with those issues with house insurance.

These are the most important house details to keep an eye out for while considering your options. Yes, some are going to offer lower deductibles while others will deliver a wide array of features. However, the goal should be to go with a well-rounded package that is in line with your needs. This is the only way to feel confident about how protected the property is. Remember, the goal is to build a comprehensive insurance plan that offers meaningful protection in all situations.

How A Museum Gets Business Insurance That Meets Its Needs

If you are involved in running a museum, whether it is a large city attraction or a local village display, you know that it is a rather specified industry that can at times be complex.

While they add much culture and interest to the area they are located, the running of it can bring with it a number of challenges. Let’s take a look at why they need to get business cover and how it gets a business insurance online that meets their needs.

Why Do Museum Need Business Insurance?

In general, they try to create a peaceful atmosphere which is conducive to learning. The exhibits are displayed in such a way that they awaken curiosity and engage the visitor. In terms of insurance, what does this mean?

While they may try to create a peaceful environment, they are actually hives of activity. Often exhibits and displays are being moved from one place to another, as well as members of the general public coming and going. During holidays times this can be especially the case. It is for these reasons that it is so imperative that coverage of some kind is obtained. Let’s consider a few examples.

A Visitor Falls Into A Priceless Artifact

It happens. Whilst they go to great lengths to protect their displays, accidents can still happen, despite all of the precautions which may have been taken. You cannot protect every piece from every elbow, foot or knee that enters through the front doors. By organising the right policy you can make sure that everything which is within the walls of your museum, both temporary displays, and permanent ones, are all covered.

A Visitor Slips And Hurts Themselves

You know how you love that the floor to be gleaming for when the front doors open for the day? Well, even though it looks amazing, it can have a negative consequence. Visitors to a museum are often excited to see all of the displays in a short amount of time. As they move from one to the next it is all too easy for a foot to slip and the next thing you know a visitor has come crashing to the ground! Before you know it you are being slammed with a case and you don’t know where to turn. That is where this type of cover comes into play. So long as your policy has sufficient liability cover you won’t need to panic every time you see one of your visitors move from one display to the next!

One Of Your Employees gets Hurt

Of course, for most people who come to work at these places, they know that there will be some lifting involved. Displays often need to be moved from one place to another and temporary or borrowed displays may have to be placed in the designated spot.

While your employees may be fit and healthy, even an athletic person can put their back out if they lift something the wrong way. Indeed, all of the training in the world cannot guarantee that your employees will never get hurt on the job.

Needless to say, an employee that faces a health issue related to something they did on the grounds has lawsuit written all over it. It’s vital that your museum has the right policy in place to care for such situations should they arise.

How a Museum Gets Business Insurance That Meets Its Needs

So you are in full agreement with us, right? You acknowledge that you need business insurance but now you are wondering how you can go about getting cover that will fully meet your needs.

Granted, when you first start looking for a quote it can feel rather overwhelming, to say the least. It can seem like there are so many choices, such a variety of cover options that you simply do not know where to start! Don’t worry, help is at hand. To help you to choose the best for your museum we have outlined a few tips. We hope that following them will get you well on your way to a great decision.

Choose A Reputable Insurance Company

This tip is absolutely vital. The last thing you want to do is take a cheap cover from a company that will not deliver on their promise when push comes to shove.

Now, when we say to choose a reputable company, we don’t mean that it has to be one that everyone has heard of. In fact, the market leaders may not be offering the most competitive prices. A reputable company is one that has a track record of being a good provider. Not everyone may have heard of the company, but if their previous and current clients sing their praises, they are a good option to consider.

Know Your Needs

We all now that these companies are notorious for selling us cover that may be in excess of what we actually need. Of course, some companies are fair and wouldn’t dream of doing this, but just in case you get caught out, take a few precautions in advance. Consider the running of your museum and outline each area clearly. When you talk with a potential insurance company be sure to fully explain what happens at your premises and insist on understanding how the proposed cover meets but doesn’t exceed these needs.

Indeed, running one can be satisfying and rewarding. However, if you don’t want to find yourself in a pickle be sure to get yourself a business insurance that will meet your needs.


Interesting Facts About Romani

Throughout history, the Romani have been one of the most misunderstood groups. Rumors and slurs have long persisted about their culture for centuries. While they are often portrayed with stereotypical caravans, fortune-tellers, and woman dancing with scarves, there is so much more behind the culture.

Here are some interesting facts, answers to frequently asked questions, and information about the Romani that we have picked out for you.

Do They Have An Origin?
The origin of the Romani is encapsulated in mystery. Professors that study the culture have theorized that the origin was created during a mass exodus from India. This was around the fifth century.

Their flight was due to the spread of Islam and India and the Romani’s wish to protect their religious freedom. From there, theories note that they split into three branches. This involves the Domari, Lomavren, and the Romani.

There’s another theory by Professor Ian Hancock that suggests that there wasn’t one split at once, but instead three separate migrations over the centuries. He was met with opposition to this theory even though he supported it with linguistic studies.

Not Always Nomadic By Choice
The people of Romani have been subject to exotification for a long time. The casual use the word “gypsy” or “gypsy soul” are ways of stereotyping the culture as people who are willing to move wherever they will.

The truth of their travels is far bleaker than just wandering freely. They have often been forced to move out from countries and have been persecuted for centuries.

No Place To Call Home
The Romani people are considered to be a stateless nation. It’s common for countries to refuse the Romani people citizenship even if they were born in the country. Centuries of persecution have left the modern Romani society to drift.

In 1977 there was the creation of the International Romani Union, but this did not help the issue. In 2000, the Romani were legally declared a non-territorial nation, creating a whole slew of new problems for its people.

They are often without access to health-care services and lack citizenship. This leads to many issues faced by people who become legally invisible. Often they have difficulty accessing health care, education, and other types of social services.

How Many Romani Exist?
Due to public discrimination, many Romani to do publicly register or identify themselves. This combined with their lacked ability to gain documentation many Romani or those born under Romani families are unaccounted for.

With what the world does know of their culture, The New York Times has estimated that the population of the Romani worldwide is around eleven million. These numbers are disputed and can not be accurately obtained.

Without knowing how many Romani there are in existence, it is known that there are Romani populations in the US, Italy, Bulgaria, Russia, and in other European nations.

History Of The Horse-Drawn Hearse

Horse-drawn hearses date all the way back until the 17th century. Although the vehicle was originally used for transportation, they eventually evolved into becoming an icon for funerals.

Here is a look into the history of the horse-drawn hearse and how it evolved into the vehicles that we use today.

How Did It Begin?
A harrow is referenced to in plowing, and is used to level land. The word “hearse” originates from the term. Early prototypes had spikes for holding candles and were made of a metal or wooden framework.

These frameworks stand over what’s called a bier, which is what held the casket. These are still around today but are made of aluminum and have wheels.

A Look At Early Hearses
In the 17th century it was the biers that had later evolved into what was known as horse-drawn carriages or hearses. Later in the 19th century is where wood was used instead of the metal framework.

Wood allowed the carriages to have a more intricate design. They were often carved with doves, flowers, scrolls, and other icons involving religion and passing on.

Sometimes, depending on the wealth of the deceased, velvet drapes hung from the sides. Expensive wood such as mahogany was used for the carriage.

Expanding Technology
Motorized hearses weren’t introduced until around the 20th century when horse-drawn carriages started to lose their popularity. Around the time of the 1920’s, motorized vehicles became more common within society.

With acceptance came the need of style changes and customizations. Landau and limousine styles started to gain popularity around this time. The styles developed during these times still have influence on some of the hearses used today.

For example, the landu-style of hearse began to have S-shaped bars on the side of the vehicle. For some reason, this design stuck and some hearses still have these marks today.

Other alternatives in funeral transportation that tried to catch on was trolley carts and subway trains. These carried not only the casket, but the attendees of the funeral to the cemetery. For better or worse, it just didn’t work out as well as a motorized hearse did.

Hearses In Today’s History
In our current time we have had a variety of hearse designs circulate our market. Even medium-sized vans have been converted to transport caskets. Although, Landau style of hearse transportation still remains popular to this day.

As our world and technology keep evolving who knows what we’ll see in our future. All we know is that we can learn from our past. If you would like to see hearse artifacts from the past, you can come learn a lot over at our collection.