Resolving Employee Injury Claims

There is an expectation that a worksite will be free from safety and health hazards, but unfortunately, accidents happen. Because of the company liability surrounding workplace accidents, workers compensation policies were mandated by state governments across the country. This insurance coverage offers wage replacement and medical benefits to employees who were injured, contracted occupational disease, or killed while on the job. However, U.S Risk warns that not all company employees may be covered under a workers comp plan, as contract labor or ineligible employees are excluded from coverage.

Coverage Alternatives

For those who aren’t eligible for workers compensation benefits, a company might provide occupational insurance. Because of the company’s operations and exposure, they may not need a comprehensive plan and can establish more specific deductibles, limits, and disability coverage for their needs. Just as a workers comp plan would do, an occupational policy will provide funds for death benefits, medical expenses, or lost wages. However, it does not provide much by the way of legal funds.

Areas of Concern

When considering what insurance to carry, take into account the most common areas of workplace injury.

Falls, trips, and slips
Overexertion
Being struck by an object
Electrocution
Machinery accidents
Workplace violence
Transportation incidents
Unintentional overdoses

Choose your insurance plan carefully, as the financial cost is only the first concern. Plan on having the best protection against potential lawsuits and employee claims.

Keeping Patrons Safe Aboard Your Marine Vessel

Providing boating services is very valuable for the transportation of goods and people. Like ground transportation, navigating over waterways requires a unique set of considerations for anybody aboard your vessel. This can be especially important for groups that may have special needs such as pregnant women, children, the elderly or individuals who need physical accommodations to ride comfortably and safely. While it may take some initial research and preparation to cater to the diverse needs of your patrons, it can be worth it for your reputation and marketability to be known as a business that considers all customers.

Special Accommodations

While each customer should be treated as an individual, understanding the needs of certain groups can help you to better anticipate what your customers might need. For example, boating while pregnant might be a concern for some of your customers. By providing helpful guidelines for these patrons, such as the ones outlined by Mariners Insurance, you can help them to make an informed decision well before setting sail. Aside from providing written disclosures, owners of these marine vessels can also do the following to ensure their customers have a safe and enjoyable experience:

Adhering to any federal or state laws for individuals with disabilities
Ensuring that the marine vessel is up to code
Keeping current with licensing, insurance and other legalities
Communicating with customers before and during each trip as necessary to ensure their safety and comfort

State and Federal Road Trucking Laws Explained

Transporting goods via huge semi-trucks is big business, and each year billions of dollars of equipment, foodstuffs, and essential non-combustibles are transported between states and across the United States. By law, truckers are required to have liability insurance in a specified and sufficient amount as stated by the area he or she works in. This can get complicated when the driver’s routes fall under both state and federal trucking laws. The industry experts at American Team Managers Insurance Services provide additional helpful information regarding these laws.

State Trucking Laws

Across America, only nine states allow truck drivers to transport goods within the state without filing a commercial form. When the drivers move across state lines, there are often state fees to pay and various proofs of insurance to provide.

Federal Trucking Laws

Truck drivers that move across state lines must complete a federal filing for the Federal Motor Carrier Safety Administration (FMCSA). This is a comprehensive filing that includes a BMC 91 document that indicates that the driver’s company has ample liability insurance to cover the transportation of goods between states. Some forms must be submitted to the Federal Motor Carrier Safety Administration, while other forms must be attached to the driver’s insurance policy itself.
With so many trucking forms and insurances policy verification required between state and government levels, it is a good thing the FMCSA is protecting American interests. It is also a good thing the insurance companies are there to help provide the required trucking policies.