Business Insurance Blog Posts
General Liability Protections for Small Companies Explained
As a small company, you may not think much about lawsuits or claims from customers. You work to provide a service or product to your customer and do your best at it. Yet, risk follows every company. Without general liability insurance, a small business is vulnerable to financial loss. In some cases, this can cause the folding of the company.
Commercial Auto Insurance for Your Employed Drivers
Today, business owners work with independent contractors to handle many of their specific needs. Yet, many also still use employees to handle tasks such as courier work or product delivery. When you have employees doing the work, you need to have insurance to protect those drivers and your assets.
General Liability Benefits Within Business Owners Policies (BOPs)
As a business owner, you take responsibility for the environment of the operation, and the conduct within. You want a nice, safe, honest and secure business, to put it lightly. But, how can you respond if a dissatisfied customer has a bone to pick?
I Work From Home. Do I Need Contractors Insurance?
Contractors insurance typically covers contractors for on-the-job hazards. This means that they’re going to be covered should someone be injured in the course of their performing the job, or if there is damage to the client’s property.
What Injuries Are Not Covered Under General Liability Insurance?
One of the most commonly used part of a general liability insurance policy is bodily injury liability, which covers medical expenses for those who are injured on a business’ property. Not all injuries are covered, however.
Workers’ Comp Blog Posts
Filing For Workers’ Compensation in Massachusetts
Workers’ compensation is a valuable form of supplementary income. It can help those who get hurt and cannot work still have money in their pockets. Still, you’re likely going to have to look at local law to see if you qualify for this protection.
What Is A Return-to-Work Program?
Many employers will face instances in which an employee cannot return to work. This may be due to an on-the-job injury. When this occurs, it can be a primary goal to get those individuals back to work. The longer they cannot work, the longer you will pay for their lost time.
The Most Common Workers’ Compensation Insurance Claims
It’s common for business owners to see workers compensation insurance as a basic expense of doing business and hiring employees. Yet, it provides a wide range of financial protection and can help to ensure that good relationships exist between you and your employees.
Dealing With Insurance Audits A Key To Avoiding Future Problems
After the policy year is complete, your insurance company “audits” the policy to verify if the payroll data, job classifications, and losses are correct. When an insurance company audits a policy, they are typically looking for standard information to review and update.
When Does the Law Require Workers’ Compensation?
Employers must provide safe working conditions for employees. When an employee suffers an injury on the job, he or she might have the right to obtain compensation from the employer. Such compensation comes in the form of workers’ compensation.
Why You Should Connect with High Quality Medical Providers
The goal of any insurance platform is to protect its beneficiary. To take care of your employees, you need to support them with high-quality health and safety solutions. While your business’s workers’ comp insurance policy might be good, it could be better.
Look To Urgent Care Centers To Save Time And Money On Workplace Injuries
If you don’t have urgent care included in your injury process, you’re probably spending far too much money on managing injuries. When an employee is injured, the instinctive response might be to take them to the emergency room. But is that really the best choice?
Being Leadership Driven Can Steer Your Company In The Right Direction When It Comes To Job Safety
This is critical because if employees don’t see a continued interest in this initiative, they will lose interest themselves. They can easily interpret the lack of communication as a loss of interest at the leadership level. Every company wants to lower their workers’ compensation costs, and developing a company-wide wellness and safety program is a very effective way to do this.
Five Ways You Can Lower Your Workers’ Comp Premium
For business owners, workers’ compensation insurance is a necessity. By learning how the system works, however, you can lower your costs. You can also make sure you’re getting what you’ve paid for. Once you’ve identified a few key components, you can also plan for unexpected events.
A Good Return-to-Work Program Benefits Both the Company and the Employee
Many business owners think that it is better to have someone out on worker’s comp than to pay them for a lesser job. After all, worker’s comp will pay for them to be out. The reality is that it costs at least twice as much to put in a worker’s comp case based on the large premium increase that losses cause.
Personal Insurance Blog Posts
Steps to Take After an Auto Accident
In accident on the road requires you attention. You must take proper steps to file a claim with your auto insurance or the insurance of another driver. By taking specific steps, you avoid complications with the process of filing a claim.
What To Do If You Experience Vehicle Theft
Think about what your car means to you? Transportation and a source of pride at minimum. If it suddenly disappeared, you have a big problem on your hands. No one wants to face the prospect of vehicle theft. However, it’s a very real threat.
Paying Your Car Insurance? Here Are Your Options.
When you get insurance, you are going to have to pay for it. This comes in the form of a premium. Think of your premium as the price you pay for an insurer to offer you your coverage.
You’ve Paid Off Your Home. Should Your Insurance Change?
The feeling of sending in your final mortgage payment can be amazing. For many property owners, this is one of the largest payments they make each month. Now that you do not have this debt, you may feel it is okay to stop purchasing home insurance.
What Happens After an Accident in a Brand New Car
Buying a brand new car means paying a significant amount more than buying a used vehicle. However, your driving risks remain the same (if not more). Considering this, it is important for vehicle owners to have ample protection in place for their car. If an accident occurs right after you purchase your car, a basic car insurance plan may not be enough.
What Is A Smart Carbon Monoxide Detector?
Carbon monoxide is a silent, deadly killer specifically worrisome during the winter months. A smart carbon monoxide detector can help save your life if it is in place. Should you install one?
Do Mortgage Lenders Require Flood Insurance
Insurance agencies often recommend that you bundle home and auto insurance, but it’s not always that simple. There are a lot of different things to consider. While bundling your home and auto is usually cheaper, this isn’t always the case.
You Cannot Insure RVs on Car Insurance Policies
Most drivers know that they need motor vehicle insurance. State laws usually require all drivers to carry liability coverage, at minimum. Still, what type of policy you need will depend on what type of vehicle you drive. Often, this might not be your average sedan, convertible or SUV.
Is Auto Insurance Cheaper When Bundled with Home Insurance?
Insurance agencies often recommend that you bundle home and auto insurance, but it’s not always that simple. There are a lot of different things to consider. While bundling your home and auto is usually cheaper, this isn’t always the case.
Does Your Homeowners Insurance Apply If You Rent Your Place Out
Whether you rent a room out, allow short-term rentals of your home, or rent your entire property out under a long-term lease, you need to be aware of the effects on your home insurance policy. Your policy may give you limited coverage, but your insurance won't apply to all situations.
How Umbrella Insurance Can Help Bundle Holders
If you choose to bundle your home and car insurance policies, then you can often reap several financial benefits. Besides just that, bundling might also help you when enrolling in further coverage. One additional policy that might enhance your bundle’s benefits is umbrella liability coverage.