Federal Coverage Demands for Non-Seamen Employed on Waterways

The federal government plays a part in protecting the employees across the nation, whether they work on land or sea. The United States Longshore and Harbor Workers Compensation Acts is applicable to maritime employees whose primary place of employment is maritime water that is in or adjacent to the United States. This act usually renders these employees ineligible for workers’ compensation benefits at the state level, nor are they eligible for coverage under the Merchant Marine Act or the Jones Act. These individuals are not considered seamen.

Filling the Coverage Gap

The USL&H requirements for coverage exclude:

  • Sailors
  • Seamen
  • Masters and crews of any ship, vessel, or watercraft

These individuals are eligible through the other maritime laws and acts, and without the USL&H, those who work to build or repairs vessels and load and unload them would be left without coverage. The requirements of the act extend protection to those who perform an operation on or over navigable waters, including harbor workers, ship repair personnel, shipbuilders, harbor and longshore workers, and shipbreakers. Areas of operations could be a dry dock, terminal, pier, wharf, marine railway, or facility used to build, repair, or load ships.

Failing to provide compensation to an injured employee covered by the USL&H requirements could lead to heavy fines, a misdemeanor conviction, and time in jail. The entire company could face litigation, costing millions in defense costs.

The Liability Risks to Your Gun Range

Every business requires some form of liability protection. Some industries, such as the firearm industry may require more liability protection than other businesses. If you own a gun range, then you need to consider a multitude of risks. With the right gun range liability management, however, your business should remain in functioning for years to come.

Here are some liability risks that you need to mitigate.

Slips and Falls

One of the most common accidents at a firing range is a slip and fall accident. This is common in most businesses. When someone falls on your property, it is your responsibility. As a business owner, whether it is a guest to your club or a staff member, you are liable for the injuries suffered. Without liability coverage, it may be difficult to handle these costs.

Ear Damage

Firing ranges are loud. It is up to you to ensure that all your clients are protected. If you have defective ear coverings or if someone files a claim against your company for ear damage, then you could have to pay legal fees and medical costs.

Every firearm establishment or gun range requires customized insurance options. Your company has unique needs and it is up to you to ensure that you have adequate coverage.

Talking Pays Off: Communicating to Reduce Health Coverage Costs

Your pool of employees probably contains at least one person with a chronic medical condition. A study by a health care company discovered only 39 percent of patients felt comfortable managing their ongoing medical conditions. Therefore, a key to keeping health care costs down is helping employees reach out to their primary care physicians. Encouraging communication reduces health coverage costs.

Encourage Connection

There are many ways you can support employees in talking with their doctors to keep on top of their health and prevent more serious illnesses from occurring. Options include:

  • Offer specific inducements. Give employees incentives for talking regularly with their doctors concerning their health and successfully managing their conditions. Such prizes could include extra time off, an office party, or gift cards for restaurants and shops.
  • Send regular emails. Periodic email alerts are an effective way of reminding and gently persuading employees to keep in touch with their doctors. Regular email notices make it easier for some employees to commit to wellness routines and scheduled checkups.
  • Provide in-house support. Research has found that people who get support from their employers are more likely to stay on top of chronic conditions, consult their doctors, and embrace healthy lifestyles.

Encouraging employees to talk with their doctors now about disease management makes a huge difference in reduced health care costs in the future.

Local vs. Organic SEO

If your company has a website, then you undoubtedly know that SEO stands for search engine optimization, and that using it can increase the number of visitors to your site. However, you may not be familiar with the terms organic and local as they relate to the same subject. Knowing the difference between the two, and how to use them to your advantage, is extremely important for internet marketing.

Organic SEO

As this Local vs. Organic SEO video by Agency Tsunami explains, organic SEO is the process of making a website rank high in search results. The strategies for doing so have to do with search engine algorithms that reward websites with all the indicators of being authorities in their fields. These include things such as the following:

  • Using certain keywords
  • Having links back to the website
  • Providing original content

Local SEO

Local SEO is the strategy of choice for any company with one physical location. This method uses the location of customers near your place of business to direct them to your website. Strategies include positive customer reviews and location-specific descriptions.

Both types of SEO are more cost effective than paid listings, and can dramatically increase website traffic. For a company like a bank that has multiple branches, both local and organic SEO should be used.