Extend Protection to Contractors through Builders Risk Insurance

Every contractor knows the risks involved in a construction project. Hail could damage construction equipment. Vandalism can destroy the property. A rogue fire could cause a project to shut down for weeks. With all of the potential liabilities associated with a construction project, it is important for contractors to have builders risk insurance for protection.

What Does Builders Risk Include?

Coverage extends to a wide number of areas, including:

  • Theft and vandalism
  • Lightening
  • Fire
  • Accidents involving vehicles

Not every risk is covered with this particular type of insurance. For example, flooding and earthquakes are usually excluded. It is also important for contractors to take with an insurance agency before acquiring builders risk insurance to determine the full extent of coverage.

Asking for an Extension 

Depending on the situation, it is possible for contractors to ask for an extension on coverage. This is applicable when a project is shut down after an accident occurs or when construction is halted due to damaged property or equipment. No two incidents are the same, so contractors should work with their insurance agent to determine how builders risk insurance can best work for them. There is no way to avoid the various risks involved with construction, but protection is available through the coverage provided by builder’s risk.

The Value of In-Home Physical Therapy

A full spectrum of excellent home care for an individual with an acute injury or a chronic medical condition may include in-home physical therapy. There are several significant benefits of incorporating physical therapy into home health care services.

Facilitate Consistent PT

Home health care PT can help people maintain consistency with their PT regimens. When most people go to facilities for PT, they’re assigned exercises to perform at home. Having a regular care provider monitor all facets of PT including daily exercises that aren’t part of an intensive physical therapy session can ensure that they’re performed correctly and consistently.

Create Easy Access to Ongoing PT

When people have a health condition or age-related mobility restriction, it may be difficult to get to and from a PT facility. When PT can take place in someone’s home, it eliminates a considerable barrier to getting PT treatment on a regular basis.

Provide a Vital Service Covered by Insurance

Many health insurance programs including Medicare will entitle a plan to in-home PT. They may be more likely to take advantage of this important benefit when they’re able to do so concurrently with other medical care in their homes.

In-home PT from a licensed care provider can have several key advantages. Ultimately, it can help individuals better manage underlying medical conditions and enjoy a better quality of life.

Know the Difference between PLI and GLI

Public liability insurance is an important form of protection for the companies who need it, but deciding whether or not to add it to your general liability insurance can be a hassle if you’ve never dealt with this kind of business insurance before. The difference between coverage types can be hard to spot since general liability protection includes public liability coverage. It also includes many other types of liability, like third party liability for damages related to the workmanship of your products or to services like repairs. For some businesses, the public liability coverage in a general policy is enough, because they only infrequently have guests on-site and their facilities are not open to the public.

When Businesses Need PLI

Adding PLI means taking out extended coverage for that portion of your general liability insurance. It’s designed to make sure your general policy doesn’t hit an annual cap due to claims in this area, so you are not left unprotected in the other areas it covers if you’ve got a large claim or several claims that take you to the general liability coverage cap. This helps you avoid overbuying the general policy. PLI policies almost universally require an existing general liability policy to be valid, because this insurance is meant to extend your protection. It’s not a replacement for general liability insurance.

Your Insurance Company Will Benefit From SEO Strategies

You may have heard of the term SEO when it comes to marketing your insurance business, but do you know what it means? An acronym for search engine optimization, SEO involves a series of practices and efforts made across networks and platforms to help people find your company online. Your company will benefit from solid SEO strategies. Here is how to get started.

Customize Your Strategies

When it comes to SEO campaigns, one size does not fit all. Your insurance business needs decisions tailored to your industry and niche. Devising practical yet successful SEO strategies might seem too difficult, but specialized insurance SEO companies take the weight off your shoulders. These experts develop campaigns customized to your business and audience. Your digital content will rank high in searches and encourage click-through and conversions.

Connect With Customers

When SEO strategies are in place, stay in touch with customers. Today’s consumers expect contact with businesses. Fortunately, technological advancements make it easy to get personal. Platforms to use include:

  • Social media—Facebook, Twitter, Instagram, and YouTube are all great ways to connect with consumers.
  • Email—Regular updates and newsletters keep people in the loop.
  • Blogs—Well-written blogs can establish you as an industry expert.

Well-executed online strategies give your insurance business a big boost. Good SEO campaigns help you grow your company in ways you may not have thought possible. Good SEO makes good business sense.