Tuesday, February 18, 2014

Indulge in Chocolate in these Sweet Cities

Let’s face it, chocolate is one of the best guilty pleasures around. Chocolate is a decadent treat loved by many. If you or someone you know is a chocolate lover, consider a trip to one (or all) of these chocolate havens. Your sweet tooth will be supremely satisfied!

Broc, Switzerland
Many famous chocolate brands call Switzerland home: Lindt, Toblerone and Nesquik®, just to name a few. It’s no secret that Switzerland is widely known for their delicious Swiss chocolate, but there are still a few hidden chocolate gems to be found. For instance, take a scenic (and tasty) tour through serene landscape aboard The Swiss Chocolate Train. Stops include a tour of the famous Cailler-Nestlé factory in Broc.

Oaxaca, Mexico
Stroll down Mina Street, or Chocolate Road as it’s known in Oaxaca, and you’ll find yourself in the midst of a street dotted with small chocolate shops. The residents of the area consume significantly more chocolate than other people in Mexico, thanks to the popularity of chocolate in the region.1 While chocolate bars and sweets are abundant, the most popular way to consume chocolate here is in hot milk or water to make either “chocolate de leche” or “chocolate de agua”. The best hot chocolate is served foamy with a side of sweet bread. Yum!

Brussels, Belgium
Over 172,000 tons of chocolate are produced in Belgium per year and there are more than 2,000 chocolate shops throughout the small country (which is the size of Maryland).2 But perhaps the most famous chocolate that Belgium is known for is the praline – a layer of chocolate surrounding a soft fondant center. Belgium is filled with events and museums that pay tribute to its famous chocolate but one of the most interesting is the Chocolate Academy at Zaabär where you can learn insider secrets to chocolate making.

Barcelona, Spain
Barcelona was the first city in Europe where chocolate was imported from Mexico.3 Ever since, Barcelona has been a chocolate lover’s paradise. A visit to Museu de la Xocolata, The Chocolate Museum, run by local confectionaries, shows just how much this city has been inspired by chocolate. At the Museu de la Xocolata you can see extraordinary chocolate sculptures including a giant chariot with chocolate horses and huge chocolate windmills. The museum also hosts children’s workshops and tastings of local specialties.

San Francisco, California
Fisherman’s Wharf in San Francisco is home to one of the oldest and most historic chocolate factories in the country – Ghiradelli.4 Each year this famous chocolate company hosts a Chocolate Festival in Ghiradelli Square. The festival is a two day long celebration of chocolate with tastings, live music and ice cream eating contests. Tours of the chocolate factory are available and you can visit the functioning old-school chocolate room in the basement of the factory.


Travel Guard News

Introduction: Umbrella Liability Insurance for Canadian travellers to USA

 




















Personal umbrella liability insurance provides you with an extra layer of protection in addition to the liability coverage you have through your current home and auto insurance. It could be important coverage if you accidentally injure someone or damage their property.

Why needed?
Lawsuits are a growing trend. Many people assume that their auto or home insurance will provide all the liability protection they need. But that’s not necessarily true.
Personal umbrella liability insurance provides you with protection against these risks, which are not covered under your auto, property or other insurance, like (i) libel, slander or defamation of character, (ii) invasion of rights and privacy; (iii) false arrest. Your defense costs are covered from the first dollar on claims involving personal injury.

If you frequently visit the USA
If you regularly travel to the USA, where the claims climate is an even greater concern than in Canada, you might consider having higher liability limits. Personal umbrella liability insurance can provided this extra protection.

If you need a higher limit
If you own a car, house, pool, trampoline, pet, boat or other recreational vehicles, your chances of being legally responsible for injuring another person may be increased. 
The difference between your auto and home insurance liability limits and damages sought in a claim against you could vary by hundreds of thousands, even millions of dollars. And you would be personally responsible for the difference. Additional personal liability insurance can protect your finances by providing a higher limit.

Example:
Tom was sued for a golf club mishap he had whole playing golf with his girlfriends. One of his girlfriends got hurt really bad and decided to sue Tom. Tom's Home Owners liability policy covered his legal expenses for being sued, but it eventually ran out. He was thankful that he decided to purchase his umbrella liability insurance policy a few years ago because it kicked-in and covered the rest of his legal expenses.


References: 
http://www.ama.ab.ca/insurance/personal-umbrella-liability-insurance

For more information on travel advice and insurance, visit us at www.biis.ca, email us at info@biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.