Workers compensation can be a large expense for small businesses. It’s not uncommon for small business owners, especially new business owners, to exclude themselves from coverage on their own company’s workers’ compensation policy to reduce the expense. The assumption is that their health insurance will cover any injuries they suffer while working. The truth is that most health insurance policies do not cover work related injuries. The benefit for lost wages provided by a workers compensation policy is often overlooked during this cost/benefit analysis. Most disability policies also exclude work related disability as well. Can you afford to go without health insurance and disability insurance when you are most at risk?
Rental car companies can be quick to offer insurance on your rented vehicle, but is it really necessary?
TRICOR Insurance has created a 12 point checklist intended to help you understand the protections provided by your personal auto policy*.
COPE (Construction, Occupancy, Protection and Exposures) is a way to classify real property for the purposes of insuring it as an asset. In order to do this correctly, a district needs to create a list of questions including:
Winterize Your Home and Vehicle
We can’t always avoid winter storms, but we can take precautions to be prepared for the unexpected and recover with as little damage as possible. Things such as winterizing your home and vehicle are some of the best ways to reduce damage.
For home or rental property owners, freezing pipes are a big concern during the cold winter months. The pipes most at risk are exposed pipes in unheated areas of the home, pipes located on exterior walls, and any plumbing on the exterior of the home. Here are our top fours tips for making sure your pipes won’t freeze this winter.
Perhaps your business owns, operates, maintains or uses mobile equipment in some way or another. Many times, there is confusion as to what is actually considered “mobile equipment,” and does it differ from an “auto.”
First, let’s start off by understanding what “mobile equipment” is and what an “auto” is, since the two are often lumped together within the insurance universe.
To most people, when they hear the word “audit” they immediately have unpleasant thoughts and want to throw out both hands and scream “NOOOOO”. Many people associate audits with taxes and the big, bad IRS and usually nothing good can come from this experience. But not all audits are bad!
Every construction site needs a Severe Weather preparedness plan to ensure a safe environment during hazardous weather. Having a written Emergency Action Plan (EAP) is also an OSHA requirement.
In the Midwest there are two things that nearly everyone loves about summer—enjoying the warm weather and grilling. In fact, July is peak grilling season followed closely by May, June and August. I’m sure we all can agree there’s nothing better than the smell of food like burgers, salmon and ribs cooking on a grill.
Spooky skeletons, carved pumpkins, high-tech LED lights and broomstick-riding witches are sure signs that Halloween is on its way. While Halloween is full of fun festivities, it is still important to prepare your property for this night to avoid insurance claims and lawsuits. Here are some tips to protect your home and ensure safety:
