Risk Management Options for Vehicle Fleets

Fleet insurance is the industry standard for companies with a heavy investment in vehicles. It’s not just the transportation industry that is well served with this product, it’s any business with a truck fleet, even a relatively small one that just handles supplies or personnel transport to support your main income stream. Truck fleet risk management is built around your fleet’s purpose and time on the road, with options you can configure around your needs to keep drivers well-supported on the road.

Fleet Insurance for Trucking Fleets

When your business is moving cargo for other companies, fleet insurance is more than just a sound investment. It’s protection for your entire business model. Luckily, there are a lot of tools that come with a fleet policy. Some require a little extra investment to cover the cost they add to the premium, others are just perks you get from working with an insurer who really knows the trucking business.

  • National roadside assistance and towing support
  • Resources to help you minimize risk through policy changes
  • Driver safety training support
  • Per claim and lifetime claim caps to help control costs
  • Driver support for delay-related accommodations

If you are interested in making the investment that not only protects your business but also your drivers, it’s time to talk to a company that specializes in truck fleet risk management. Ask for a quote today.

Ask About These Awesome Boat Insurance Discounts

boat insurance in Babylon

Are you thinking about getting a boat and hitting the open sea or sitting lakeside every weekend? If so, you have a lot more to think about than just getting all the maritime terms down. For one thing, you’ll want to get in touch with an insurance agent about boat insurance in Babylon. Don’t let an additional insurance premium to pay each month keep you from setting sail. Instead, talk to a reputable insurance agent about these possible discounts you may qualify for.

As you get to talking to insurance agents in your area, you’ll probably find that most of them offer a discount for having multiple policies with them. If you need boat insurance, you can save money by getting your homeowners and auto insurance policies with the same company.

Another discount you may be able to get is one for making your boat safer. By having a U.S. Coast Guard approved fire extinguisher on board, and by having a burglar alarm installed on deck as well, you may be able to net some serious savings on your insurance premiums.

In some cases, your homeowner’s insurance will cover your boat as well. However, if it doesn’t, you can still coast all over the seaboard. Before you hang up your captain’s hat for good, ask a qualified agent about these discounts that may make boat insurance in Babylon more affordable.

The Homeowners Insurance Guide for New Buyers

home insurance in California

If you’ve just bought your first home, you’ve likely been exposed to the complicated and fast-paced world of real estate. Luckily for you, securing the right homeowners insurance policy doesn’t have to be nearly as stressful. If you’re new to buying home insurance in California, here are the basics you may need to know.

One of the most important things to note is that you should know exactly what is covered under your policy, along with the policy limit. It’s not difficult to become under insured, but that’s where the experts come in. A reliable and reputable insurance agent can help you go over your assets and determine the coverage amounts you need in each area. They should also be able to go over things like flood insurance, which isn’t included in a typical policy.

A basic home insurance policy likely includes coverage for personal liability, personal contents, additional living expenses, dwelling coverage and coverage for other structures, like the shed in your back yard, or the detached garage you built right after you moved in. These areas of coverage can help you protect your home and belongings in case of damage, as well as pay for legal costs if someone is injured on your property. If you still have questions about home insurance, California has plenty of quality insurance agencies ready to help you.

Insure And Protect Your Business Operations

Business ownership is not for the faint of heart. There are endless factors to consider and unending work to be done. It is possible to implement a successful strategy and establish a prosperous operation by surrounding yourself with the right mentors and business partners. An additional element to consider is general liability insurance to protect your business from physical injury or property damage consequences. Consider Glen Rock Commercial Liability insurance for thorough coverage at an affordable price.

Business insurance can be complicated, but should not be overlooked or purchased and misunderstood. You should do thorough research before making a decision about coverage. Find professionals to help you understand in which situations the insurance applies. Look for policies created specifically for business owners and available at a lower premium. Look for Glen Rock Commercial Liability packages created for mid-sized businesses that bundle together a variety of options to help mitigate any potential risks. Insurance professionals can review your operational procedures and associated risk profile. Trust the expertise and advice provided by experienced professionals.

Set your business up for success by finding reliable and affordable insurance for those unfortunate situations that may never happen but should be covered as a precaution. There are endless options, but you can find a comfortable choice that is best for your business.

How Much Business Insurance Do You Need?

business insurance Virginia

Purchasing insurance can be overwhelming. Even after you decide which type of business insurance in Virginia to purchase, you still need to decide how much to buy. The truth is there is no easy answer to the question, but there are things you can consider to help you make your decision.

General Liability Insurance

Even though Virginia law does not require a business to purchase liability insurance, it is still a good investment. It will protect you, your property, your employees and your guests in the event of property damage, bodily injury or other serious situations.

Auto Insurance

If your business uses company cars, auto insurance is a necessity. This includes using company vehicles to make deliveries, transport people or even just to get from one place to another on your property.

Workers’ Compensation

You will be required to carry workers’ compensation insurance, which replaces wages for employees injured on the job, if you have any employees. The exact amount you must carry will depend on the type of business you run and how many employees you have.

Commercial Excess Liability Insurance

This insurance will cover anything that your basic liability plan doesn’t. For example, if basic insurance only covers $100,000 in property damage, but you need $150,000 to fix your building, excess liability insurance will handle the difference.

When purchasing business insurance in Virginia, speak to a reputable, experienced and licensed agent. He or she will walk you through the process to ensure you have the best possible coverage for your business and budget.

What to Know About Universal Life Insurance

Oaklyn life insurance policy

When it comes to finding the right Oaklyn life insurance policy, the many different types can become overwhelming. Many people are turning to the more flexible universal life insurance policy over whole life insurance because of its benefits.

Adjustable Life Insurance

Universal life insurance is adjustable. You can reduce or increase your death benefits as needed. In addition, you can pay the amount you choose on your premiums and can even choose when you pay them, although there are some restrictions.

Increasing the Value

Increasing a universal policy’s value requires you to pass a medical exam to ensure your health. You can also decrease your coverage, but you may need to pay surrender charges that are equal to your policy’s cash value. When it comes to death benefits, you can choose a fixed amount or allow it to increase in an amount equal to your policy plus its cash value.

Paying Premiums

Your agent can help you choose a payment timetable that is right for you. When you do pay on your premium, part of the money goes into an investment account that will increase in value as the interest grows. Once you have enough cash value, you will be able to use it to pay your premiums. However, you should only do this if you have a financial crisis.

Whether you decide universal life insurance is for you, or you choose a different Oaklyn life insurance policy, always talk to a reputable agent. He or she should be licensed and experienced.

Insurance Solutions for Contractors

Construction general liability insurance

Understanding the difference between construction general liability insurance and other kinds of insurance is necessary for many contractors. The following describes some common forms of insurance.

Property Insurance

Your business property is part of what you have invested in your success, and it should be protected. Property insurance will cover tools and equipment for many contractors.

Builders Risk

This is a specific type of property insurance that offers coverage for fire, vandalism and other unforeseen events that may occur during construction. Each project will have a different value, and therefore different needs for builders risk insurance.

Construction General Liability Insurance

If someone files a lawsuit against your business for property damage or injury, liability insurance can protect you. It will cover injuries to non-employees and damages that may occur on property that is not owned by your business.

Commercial Vehicles

Commercial vehicle insurance needs will vary depending on state requirements. Individual contractors may need this insurance for coverage beyond what is offered by their personal auto insurance.

If you are shopping for insurance, from construction general liability insurance to builders risk coverage, it is important to find an insurance agency that will take the time to understand your business. This will help you know you are purchasing insurance that fits your needs.

Safety Can Reduce Medical Offices Workers Compensation

An office environment presents a unique set of potential injuries, which are compounded when working in a medical office where there may be additional risks due in part to the type of tools and equipment in use. For example, a receptionist working in a seated position and usually talking on a phone, writing or typing on a computer has a certain set of exposures, different from say a nurse or nursing assistant. They operate machinery and are often utilizing sharp instruments and are more prone to developing cuts, which could be severe in some instances.

Doctors must therefore carry medical office workers compensation to cover a variety of workers within their offices for some of the top injuries (back and neck pains, vision strains, pain in the hands and wrists) as well as other injuries occurring from mistakes or exposures that could happen anywhere; objects left out to trip over, furniture that is not well-maintained, faulty electrical cords and even poor ventilation, lighting and air quality.
Due to increasingly long work schedules with much of that time spent inside an office environment, knowing how to avoid these top office injuries is now a necessity.

Falls among the most common accidents

Falling down is not only the most common office accident; it is also responsible for causing the most disabling injuries according to the Centers for Disease Control and Prevention (CDC). In general, office workers are 2 to 2.5 times more likely to suffer a disabling injury from a fall than non-office workers. The most common causes of office falls, according to the CDC, include:

• Tripping over an open desk or file drawer, electrical cords or wires, loose carpeting, or objects in halls and walkways

• Bending or reaching for something while seated in an unstable chair

• Falling while using a chair in place of a ladder

• Slipping on wet floors, and

• Injuries resulting from inadequate lighting

Reduce the risk of falls in the office

By following these tips workers can reduce the likelihood of accidents due to falls:

1. Look before walking and make sure the walkway is clear

2. Do not leave drawers open; close them immediately

3. Stand up instead of stretching to reach something while seated

4. Report loose carpeting, electrical cords, etc. to someone who can have them fixed

5. Clean up spills from the floor, pick up objects that are out of place, and

6. Use a stepladder, not a chair, when reach objects that are overhead

Using these tips regularly will reduce accidents and injuries and keep medical office workers compensation costs low.

Risks and Aging Among Concerns for Allied Health Professionals

As an allied health professional, you help to comprise a major segment of the total health care workforce. Due to recent advances in technology, combined with increasingly complex patient-related issues, you may now be required, as a health care practitioner, to be aware of, and sensitive to new risks and exposures. New research indicates that allied health personnel will need to educate themselves further in order to perceive additional ethical issues in health care, and be able to depict their involvement when certain situations arise.

Qualitative and quantitative methodology was employed with thirty-six case study subjects at a large mid-west urban medical center. Two-thirds of the population was female and more than half of the sample had formal training in bioethics. Several ethical themes emerged in the workplace with health practitioners including issues of teamwork, confidentiality, assessment, and documentation.

It was decided that one of the most important elements for good provider-patient relationship was professional judgment. The need for a structured coursework as a link between formal training and the health care setting was expressed as essential by all of the subjects. The allied health professionals perceived that maintaining these dynamics would create a more productive and satisfying experience for their patients.

The workforce itself is likewise aging. It is quite likely that one third of all current physicians will retire over the next 10 years, mainly because close to 40 percent of doctors are older than 55 years of age. About one-third of the nursing workforce is older than 50 and more than half have expressed an intention to retire in the next decade. Several factors that may contribute to a shortage in nursing include:

• A diminishing pipeline of new students to nursing

• A decline in RN earnings relative to other career options

• An aging nursing workforce, and

• The aging populations that will require more intense health care services

In addition, nurses report high levels of job dissatisfaction, which leads to high turnover and early retirement among RNs, particularly those who are allied healthcare professionals.

How To Find The Best Financial Management Services

Good financial management can be essential to the success of a business.  However, finding the right consultant or firm to turn to can be a challenge.  Here are some tips for finding a great Connecticut financial management firm.

Connecticut financial management Look for experience and accolades.

 A company that is going to help you with financial management will have access to sensitive company information, affect your future operations and earnings with their advice, and cost you money up front that could be spent elsewhere.  Of course, if you find the right company, this money should be more than paid back over time, which is why it’s important to take time to find the right company.  You should look for a company with years of experience – experience in your particular industry is a bonus – that can offer up testimonials or examples of past successes.

Look for a blend of services.

 Good financial advising goes beyond simple cost management.  Your Connecticut financial management company should be able to take a comprehensive look at your business and suggest ways to limit or eliminate risk.  More specifically, the company will help you plan for unforeseeable problems, disruptions, and losses; write contracts to maximize your benefits; limit employee- and contract-related costs; and improve your internal procedures.

A qualified financial management company that offers a broad range of services can really help your company.  Aside from just cutting costs, your company will enjoy better long-term protection against risk, which translates to increased longevity and profit.