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Janitors and custodians face many risks while working. However, your business can do many things to prevent injuries and accidents and reduce your workers’ compensation insurance rates. Top 3 Injuries Employee injuries cost a company in additional ways besides higher workers’ compensation rates. You also need to...
Contractors often use sub-contractors with specific expertise on projects. It makes sense to let an expert do the work quickly and properly. However, contractors need to take special precautions to protect themselves from risk. Here’s what you should pay particular attention to...
Whether you operate a towing business or offer towing services at your repair shop or service station, you face additional risks beyond those of regular drivers. Regrettably, your business insurance policy or auto insurance policy won’t protect you from all your unique financial...
Whether you’re trimming a single tree, or doing a massive cleanup after a storm, you face unique risks. You use dangerous equipment and face dangerous challenges, so it is very important you have the right insurance to protect you. Otherwise, it will cost...
Parcel delivery can be a very dangerous job. Drivers not only lift, load, and carry sometimes heavy or bulky parcels; they also drive many hours and often in densely populated or undesirable areas. According to 2016 Bureau of Labor Statistics’ data, transportation...
Protecting your farm assets includes effective insurance to reduce risk. Whether you run a small farm or manage many acres, consider these policies to protect your farm and your future. Protect Farm Property A standard homeowner’s policy doesn’t offer sufficient coverage for your...
Contrary to what some say, when it comes to insurance cutting out the middleman doesn’t serve you well. Here are some very powerful reasons why your company should partner with a good insurance agent and how they can assist you. Your Independent Insurance Agent...
Most companies understand their Experience Modification Rate (EMR) affects their workers’ compensation insurance premiums, but it’s not easy to understand how they arrive at your rating. Nonetheless, it is very important to have a basic understanding of what affects your EMR if you want to...
The tree care industry is very dangerous. The CDC reports an average of 80 deaths annually, most due to tree trimming and arborist services. A 2010 study concluded the single source of the most fatalities was electrocution, followed by falls, but a tree care business faces...
It is good business to control your insurance costs, but not when it leaves your company exposed to risk. Here are 8 often overlooked business insurance policies that you should consider for full protection. Employment Practices Liability Insurance (EPLI) Employment Practices Liability Insurance protects employers against various...