2 Tips for Attracting Top Quality Applicants

Establishing an amazing talent pool within your company is always the goal, but what are some things you can do proactively in order to find and retain the best possible employees? Whether you’ve built an established company or you’re creating a start-up from the ground up, you’ll want to attract loyal, hard-working applicants to fill the positions you’ve got available.

1. Offer a Great Benefits Package

One of the most effective ways to ensure that you’re getting top-quality applicants is to offer your employees a competitive and generous group health insurance program package. In a world where insurance packages are often lacking in coverage, you’ll want to offer employees a heavily bolstered benefits package. Discerning applicants are always looking for outstanding benefits that are a cut above average.

2. Develop a Fun Company Culture

Make your company atmosphere one that is relaxed and fun, and one in which employees feel comfortable bringing problems or concerns to management. Applicants are attracted to places of business that focus on building a safe and stable company culture, especially if employees are also encouraged to have fun in the workspace.

Conclusion

Two solid ways to attract amazing, loyal and hard-working applicants are to offer an extensive benefits package and to make sure the workplace has an engaging company culture.

Building an Attractive Benefit Plan

The current job market makes it difficult to find skilled and highly qualified workers. One way to minimize staff disruptions is to retain key employees you already have. Adjusting your group health & employee benefits insurance may help you in those efforts.

Top Employee Benefits

Not all workers want the same things; however, certain benefits do rank highly for a large percentage of them. These generally include:

  • Health insurance: There are several ways to build an effective and affordable health plan for your employees. Look into different options, such as PPO and HMO plans. You might consider covering the entire cost of coverage for employees while offering partner and family coverage at cost.
  • Dental Coverage: Routine dental care reduces the need for costly restorative services down the road, making dental insurance an attractive feature for many workers.
  • Retirement Plans: While full employer-sponsored pensions may be a thing of the past, you can still provide support as employees save toward retirement. Company-sponsored 401K programs with matching contributions can significantly boost retirement savings.
  • Disability Insurance: This coverage proves useful if an employee becomes ill or is injured and unable to work. Both short- and long-term options are available.

Many benefits are more affordable than employers realize. You can further reduce costs by making them voluntary or asking employees to absorb some of the costs. Either way, you will save on HR expenses by attracting and retaining qualified workers.

 

Why Your Fleet Needs Covered

Fleet insurance protects a company’s whole fleet of vehicles. It lets you insure all of your vehicles under one policy rather than separately, and you may either insure all drivers or assign named drivers to each vehicle.

Businesses that lease or own at least two vehicles are eligible for this insurance. The phrase “fleet” refers to a group of cars that is typically between 2-500 vehicles in size but can be any number depending on the insurer.

How Does It Work?

Fleet insurance covers a company’s several cars, whether leased or owned and can be registered in the company’s name, a partner or a director. Payments can be made monthly or annually, depending on the needs of the company, and deals can be discovered on insurance comparison websites or through specialized brokers.

What is Covered?

Fleet insurance, like ordinary car insurance, comes in three distinct levels of coverage. These are the following:

  • Comprehensive coverage – protects you against damage to your own and/or third-party vehicles, as well as injuries to you, your passengers, and third parties in the event of a fault or non-fault accident.
  • Third-party fire and theft insurance – covers damage to third-party cars as well as your own in the event of a fire or theft.
  • Third-party only – covers damage only to other people’s property or cars, as well as injury to others and your passengers.

Because policies differ from one provider to the next in terms of what they allow and don’t allow, double-check your policy for any important limitations, such as personal use, before signing.

Choosing an Auto Insurance Provider

To say that the auto insurance market is competitive is to call a rock a stone. It’s always been a competitive industry, and that isn’t going to change anytime soon. There are so many options, and so many companies offering services, that it can feel totally overwhelming to look for auto insurance. Should you work with an insurance agent? Sign up online? Switch carriers every so often to get a great deal?

Choose Wisely

Byrnes auto insurance, with offices in Dayville & Norwich CT is one example of an agency that truly wants to help you get the best rate. You have a lot of options, and you want the best service and prices possible. You’ll want someone who is knowledgeable and personable, who will discuss with you the finer details of your policy, and who knows how important it is to listen to what you have to say. After all, you are the customer, and no one should try to sell you a product you either don’t need or can’t afford.

Your auto insurance is one of the most important policies you own. Make certain that you are getting the best possible options for your dollar, and choose an auto insurance company that really knows the ins and outs of the market.

3 Common Types of Crime Committed at Work

Crime insurance is designed to protect businesses from financial loss due to various crimes. From small businesses to big corporations, everyone is susceptible to workplace crimes. While offenses like theft and fraud can be committed by anyone, employees are the most common culprits.

The best way to protect your business against major financial loss is to purchase a crime insurance policy. Here are just a few types of workplace crimes that are covered by crime insurance.

Employee Theft

From stealing office supplies to committing embezzlement, employee theft is increasingly common among companies of all sizes. However, small businesses are the most susceptible due to their increased trust and decreased security. It is estimated that businesses across the U.S. lose a whopping $40 billion each year due to employee theft alone.

Robbery

Most businesses are vulnerable to robbery, whether it’s shoplifters or burglars. Crime insurance protects businesses from criminals who may steal cash, merchandise, securities, or any other items from the company.

Fraud

Crime insurance protects against various types of fraud such as wire transfer, telephone, and return fraud. Any business with a bank account is at risk of certain types of fraud and forgery. Fraud can be committed by anyone, from employees to customers to complete strangers. The only way to fully protect your business against fraud is through insurance.

Crucial Elements for Your Insurance Website Design

For your insurance website to attract visitors and a high conversion rate, you can’t leave any element of your design left to chance. The consumer of today relies heavily on the web to make purchases, read reviews, ask questions and research a company. Your website needs to be responsive, compelling and current if you want to use it as a valuable marketing opportunity.

Key Design Elements

When coming up with a website design for the insurance industry, you need to look past the leading site pages and to the features and elements that consumers are looking for. There should be at least five main pages, which include the home page, the quote page, contact page, about page and services page. However, each of these pages should have an array of the following items”

  • Professionally-taken photos
  • Clear, concise descriptions of services
  • Personal reviews or testimonials
  • Informative, relevant blogs
  • Social media links
  • Contact form

In addition to these elements, having a call to action button or CTA on each page that will link directly to the quotes page can help convert leads more quickly. Being able to receive a quote while they are interested in your services removes delays that often give them cause to rethink their options or look for services somewhere else.

The key to design is knowing your consumer and end goal for the site. With these best practices, you should see greater conversion rates and more satisfied clients on your insurance website.

Professional Liability Insurance: Your Law Firm’s Policy May Not Be Enough

When it comes to insurance, professional liability is one of the most important coverages for attorneys. Your clients expect you to uphold a high standard of professionalism and offer them the best possible service. Even if you uphold your standards and refuse to make mistakes, you cannot predict whether you’ll make an error.

In addition to professional liability, you should have lawyers prior act coverage and here is why.

What Is Prior Acts Coverage?

Prior acts coverage is an add-on policy that helps pay for legal fees and settlement costs if a client files a lawsuit against you. The policy accounts for claims that are made where the reported event happened outside of the existing policy. Generally, the policy covers errors or accidents that occurred up to six years prior.

What Happens if You Don’t Have Prior Acts Coverage?

Without prior acts coverage, your insurance may not cover mistakes that you made over a year prior. In many cases, lawsuits are not filed right away. Your client may wait or discover an error later and the lawsuit may come out of seemingly nowhere. If you don’t have prior acts coverage, you have to pay the legal fees, court costs and any possible settlement out of pocket.

You may not be fully covered if you have professional liability coverage until you have prior acts coverage. Many policies do not take into consideration acts that occurred over a year prior.

 

Determine Whether a Jewelers Block Insurance Policy Is the Right Fit

Running a business in a niche industry like buying and selling jewelry can produce a number of unique risks. The best way to keep your company and your assets safe is by reviewing your options with insurance. While your main focus should always be protecting the valuables that your business considers inventory, you will have a handful of unique choices presented to you when picking out your coverage. Review these tips to learn more about your options.

Standard and Block Insurance

One of the biggest points you will need to determine is whether you opt for a standard policy or jewelers block insurance. A block policy is a type of coverage that is meant for businesses of a larger structure. There are no maximum limits on this type of policy, which can be quite advantageous for companies that have huge inventories. There are certain requirements to this policy option, however. All companies using this policy must have security systems, for example. Other areas to consider with your insurance include:

  • Commercial auto options
  • Liability coverage for D&O
  • Additional options for high-value assets

Learn Your Options

The more you focus on the options available to you when taking out insurance, the easier it becomes to find an acceptable policy for your needs. Review the details and see how you can insure your business in the best possible way.

Protect Your Directors and Officers From Litigation

Each business faces different liability risks. If you employ a board of directors, these professionals face unique risks that can not only affect the company’s financial health but can also be damaging to their personal assets. It is important to discuss your unique business model with your insurance agent to ensure you get the best protection for all involved.

Protect Your Directors With Liability Insurance

Directors and officers insurance protects your executives from claims filed by unhappy clients, customers, vendors and investors. Even if your staff has done nothing wrong, they could be liable for expensive legal fees. D&O coverage protects your executives and your company from legal expenses and possible settlements.

Understand the Risks That Are Covered Under D&O Insurance

Your executive team has the responsibility to maintain a financially healthy and sound company. The decisions they make can sometimes cause monetary hardship for clients. The most common claims include:

  • Misappropriation of company funds
  • Misrepresentation of the company’s financial health
  • Negligence
  • Failure to follow necessary laws and regulations
  • Intellectual property theft claims by competitors

It’s important to understand that criminal acts by your directors are usually not covered under most D&O plans, so make sure your executives understand their role.

Investing in a comprehensive D&O plan protects your directors and your company from unwanted claims.

3 Considerations for Grave Landscaping

When you lay a loved one to rest, you always do your best to honor the deceased with a beautiful headstone and burial space. However, after time, a once-beautiful gravesite might begin to appear neglected. Maintaining a cemetery site properly doesn’t take much time or work, but if done regularly, it will keep your loved one’s memorial looking as it did when they were first laid to rest.

Here are areas of grave landscaping to consider when maintaining a loved one’s final resting place.

Maintaining Headstones

Headstones don’t last indefinitely. They will discolor, degrade, and in some cases, break due to weather and freeze/thaw cycles.

Water or a non-ionic cleaner and a soft bristles brush are the best cleaning options. Never scrub with a wire brush, steel wool, or scouring pad.

Landscaping

There isn’t much to do in this area because most cemeteries provide mowing and overall grave landscape care. Still, a little effort can often make a gravesite appear that much better. There are frequently weeds that need to be plucked, and the grass near the burial marker has to be trimmed. These tasks are simple to complete by hand.

Decorations

When it comes to cemetery rules and regulations, this is the area where you should be most concerned. It’s natural to want to leave items such as memories, flowers, stuffed animals, and notes. It’s crucial to remember, though, that one person’s meaningful memorial may be another person’s eyesore.

Careful consideration of your loved one’s grave landscaping can make it a wonderful and peaceful place.