Driving a truck can be dangerous. In fact, the Bureau of Labour Statistics usually lists it as one of the top ten most dangerous occupations in the United States in its annual workplace fatality report. Driving long distances with heavy loads is not the only challenge. Weather events and infrastructure problems can also pose threats. If you own a trucking company, you owe it to your hard-working employees to provide them with the peace of mind and protection offered by a roadside assistance plan. Below are three important considerations when choosing a plan.
How many times a year can the service be used without incurring a charge?
Many truck roadside assistance plans put a cap on the number of free annual call-outs. After a specified amount, they charge you each time they provide roadside assistance.
How easy is it to get in touch with them?
Your plan should have one toll-free number that you can call to access all the services offered. The last thing you want to do in an emergency is to hunt around for the correct number.
Are there any geographic zones excluded from the plan?
Some plans may only provide assistance in certain areas. Make sure that all of the places visited by your trucks are covered by the service.
Both drivers and trucks are important assets of your company. Indeed, without them, your business would cease to function. A quality roadside assistance program can offer the drivers essential protection from the often perilous conditions to which they are exposed.
Being a homeowner means taking additional measures to secure you and your family’s financial security like investing in high-value homeowners’ insurance. On the surface, it may seem as if a regular policy is all you need, but it might not be enough if you have extremely valuable items. According to www.danielsinsuranceinc.com/, high-value home insurance offers protections not normally seen in traditional/standard policy options. Here are a few reasons why you should consider a high-value insurance policy for your home.
High-value policies may cost more, but they offer more protection against things that could go wrong with your property or possessions. In the event of burglary, fire and other covered perils, the policy would provide the full replacement cost. Also, if an event happens that causes damage to your home and requires you to live somewhere else while it is being repaired, a high-value policy can help cover alternative living arrangements until the work is complete.
There’s nothing more stressful and worrisome than having to deal with unexpected issues that result in you needing to file a claim and learning that you have insufficient coverage. Choosing the right insurer for your high-value home and possessions from the start means less stress and fewer inconveniences when the unexpected happens.
The cannabis industry has taken off at an amazing pace. No matter where your business falls in the production cycle, an appropriate cannabis risk management plan can help mitigate industry risks and preserve your interests.
There are multiple pieces to any risk management plan. Those include following employment laws, manufacturing and agricultural regulations, and using safe workplace practices. Having the right insurance can also help protect you (Source: www.canngenins.com/).
Protect Your Workers
In addition to general safety measures, you should ensure that workers who grow and process cannabis plants or who make products with them are covered in case of an accident or injury. Workers’ compensation laws may vary from state to state, but most require businesses with one or more employees to obtain coverage.
Cover Your Losses
Damage to business property and equipment can be costly. Equipment insurance can lower your out of pocket expense if you experience vandalism, theft, or weather-related damage.
Crop coverage can be the difference between a total loss and getting your expenses back if something happens to your hemp crop. It may also cover harvested plants that are damaged while in approved storage.
Guard Against Liability
If your business is involved in manufacturing cannabis products such as edibles, lotions, or tinctures, then product liability can protect you in case of legal claims against you and that product.
Depending on the scope of your cannabis business, you may choose to pursue additional risk management strategies. Just remember that failing to plan for risk is similar to planning to fail.
If you are a business owner, one of your main concerns should be protecting your employees. One of the best ways to do this is by investing in workers’ compensation insurance. In most states, having this insurance is a requirement if you want to do business. Here’s how to choose the right workers’ compensation policy.
Get To Know Your State Requirements
The first thing you need to do is figure out what your state mandates are regarding workers’ compensation insurance. According to https://hilbgroupfl.com, you must have this insurance to do business in the state of Florida, for example.
Understand the Advantages
Having a workers’ compensation policy for your company is beneficial for several reasons:
- It covers medical costs after employee accidents.
- Employees can receive disability benefits while out of work.
- In some states, vocational training may be offered for injured employees who can’t return to their jobs.
Put a Safety Plan in Place
Ironically, once you choose a Florida workers comp policy, you need to figure out how to avoid using it by reducing workplace accidents. This is why having regular safety programs and training in place is important. By mitigating the risks in your workplace, you can reduce the number of accidents that happen and tax your policy.
Don’t Wait To Get This Important Insurance
Workers’ compensation insurance is a valuable tool for virtually all businesses. With the help of an experienced insurance agent, choosing the right policy can be easy.
There are a lot of expenses when it comes to running a business. One such expense is the employee benefits that you offer your employees. If you’re not sure if the cost of benefits plus insurance for those benefits is worth it, consider these advantages of employee benefits.
Experience Tax Advantages
Offering employee benefits can result in tax advantages, explains the iSure Insurance Brokers. The benefits that you offer are also expenses that you can deduct from your taxes. This means that the out-of-pocket costs may be less in the long-run. If you have an incorporated business, then the cost of insurance may be tax-deductible.
Find and Retain Employees
If you offer employee benefits, your employees are more likely to stay with your business. In fact, if you offer no benefits, it is more likely that an employee will choose a lesser paying job over yours if the other company offers adequate benefits. If you want your employees to feel as though they are treated well, then adding benefits can help.
When you run a business, you have to decide what benefits you are going to offer your employees. One of the top benefits to offer is healthcare. You may find that offering benefits to your employees results in higher employee retention rates and tax advantages.
Employment practices liability insurance covers a wide variety of issues that employers can be faced with including things like sexual harassment, wrongful termination, discrimination, breach of employment contract, infliction of emotional stress, failure to employ, mismanagement and more. You can visit www.axisins.com for some examples of epl claims scenarios.
Legal action against companies has become commonplace in today’s world so it makes sense to pay attention to the potential legal issues that you may face. EPL insurance is there is help to cover legal fees that your company could be charged with while defending themselves against a claim. It will pay whether or not you win or lose the case.
A great way to avoid winding up in court is to make sure your company has clear cut checks and balances in place when dealing with employees. Take the time to structure policies and procedures that are in line with state and federal employment guidelines to keep you and your administration safe. Always put things in writing and cover your bases.
If you have employees then you should be in the know when it comes to employment practices liability (EPL) claims. Whether your business is large or small, you may experience epl claims at one time or another, so you need to talk to your insurance provider about your coverage options. Employment practices liability insurance premiums vary based on your company, number of employees and additional risk factors. It can be purchased as stand-alone coverage or added as an endorsement.
Having a strong landlord insurance policy is one way to ensure your real estate venture actually makes you money. There are so many concerns when dealing with tenants and lease obligations, and as mentioned by the team at Rent Rescue, dealing with tenants that don’t pay their bills is the most devastating financial problem. As a way to protect from this risk, it is possible for a landlord or property owner to take out a policy of insurance against non-payment of rent.
The cost of landlord insurance is based on several factors. They could include:
- The size and number of rental units
- The geographic location for the unit(s)
- Condition and age of the building
- Condition of plumbing and electrical
- The presence of a swimming pool, playground, or other liability items
- Whether the units allow smoking
- Risk protections such as smoke alarms or sprinklers, gated entrance, or burglar alarms
Carrying landlord insurance is well-worth the expense given what it can be used for. In addition to being able to help with loss of rental income, it protects from the financial loss that could be incurred through natural disasters, injuries, or accidents associated with the rental property. It may even provide enough funds to cover total replacement or complete repair if the entire structure is damaged.
Important Business Practices for Professional Cleaning Services
Having clean facilities is crucial for both businesses and private residences. Not keeping things tidy can lead to certain health and safety risks, and negatively impact the overall well-being of residents or visitors of an establishment. Because of this, cleaning services are valued for their professional contributions. While most people may have experience doing basic cleanup for themselves and their families, providing this service professionally requires much more. For anyone planning to run a cleaning business, insurance and other considerations can be crucial for helping it stand out as a professional service.
Running a successful cleaning service takes much more than just showing up and performing basic housekeeping. Depending on the type of client being served, these businesses must be responsible for tasks such as the following:
Providing professional services such as deep cleaning and sanitation
Having the ability to safely operate specialized cleaning tools, chemicals, products and machinery
Drawing up contracts and scheduling appointments
Keeping employees and clients safe and healthy
Adhering to health and safety codes of each facility served
Ensuring cleaning service insurance, licensing, and certifications are up to date
By making these considerations, these businesses can stand out from the competition as reliable, reputable professionals. Having this type of status can equate to more client contracts and many successful years in the industry.
Spring is here bringing unpredictable weather along with warmer temps and blooming flowers. The better weather starts the construction industry moving faster again. Protect your business against liabilities with Northstar insurance Needham and use these safety tips to lower your risk.
Thunderstorms often bring lightning to light up the sky and potentially wreak havoc on the construction site. Between heavy machinery, tools and building materials, construction sites have lots of metal objects to attract lightning. Have a plan in place when lightning is spotted in the area.
There are times working in the rain is unavoidable. Protective gear and clothing keep workers dry and safe in inclement weather. Waterproof boots/shoes, raincoats and hats help keep them safe as they move about the job site while the rain falls.
Rain can leave behind stagnant water and mud. Wet and muddy surfaces are slick to move about increasing the risk of falls and injuries. Sometimes water must be worked around to keep the project moving forward. Have a safety plan to handle working in wet conditions.
The best safety plan cannot fully prevent injuries from happening, but they can reduce your business’ risks. Lower risks and fewer claims help keep your Northstar insurance Needham rates from rising. Safe workers continue to work keeping your business on track.
Debunking 3 Myths About Medicare and Home Health Care
As you and your loved ones age, it is likely you will at some point question whether home health care is covered by Medicare. However, it can be complicated to ascertain what is and is not covered. Here are a few common misconceptions surrounding Medicare and home health care.
1. Home Health Care is a No-Strings-Attached Part of Medicare
A patient will need to meet certain conditions to qualify for home health care coverage under Medicare. First, the patient’s doctor must certify that he or she is homebound, in need of skilled care (including skilled nursing and therapy sessions) and qualifies for Medicare home health care. Additionally, the patient’s care must be managed by an agency with Medicare certification.
2. Home Health Care Includes Housekeeping Services
There are a number of things that Medicare will not cover for patients. These services can be, but are not limited to, 24-hour care, certain prescription drugs, housekeeping and meal delivery.
3. Home Health Care Does Not Include Social Services
Actually, Medicare will cover medical social services such as counseling. It will also cover physical, speech and occupational therapy for patients. Home health care resources are available for up to 8 hours per day and 28 hours per week. If you have further questions about whether home health care is covered by Medicare, consult your doctor and the resources provided by the Centers for Medicare & Medicaid Services (CMS) to obtain the best information for your family.