Insure Your Non-Profit With the Right Coverage

While non-profit entities have a lot of risk overlap with for-profit businesses, they don’t have all the same needs. In fact, they have quite a different set of them in a lot of ways. You don’t typically have to worry about protections for inventory or delivered goods unless your non-profit actually makes things or runs a shop as a fundraiser, and that’s not as common as people would think. You do often have to cover employees, both with workers compensation and with liability coverage that protects you financially in the event that your organization or its representatives are also liable for the injury. You also need liability protection for the public if they visit, which is common for businesses too. But what about your volunteers?

Insurance for Volunteer Staff

Your volunteer base is usually not covered by the same protection as your workers, but they are also on site more often than the general public, and they perform roles the public doesn’t perform for your organization. That means the exposure you have to liability is different for them than for the public, so your insurance should reflect it. Moody Insurance understands this well enough to put together an excellent primer on the difference between insuring employees and volunteers, so check it out as you figure out the rest of your non-profit’s risk management strategy, and then consider your options for soliciting quotes to get set up with the insurance for non-profits you need.

Is SEO Really Such a Big Deal?

Chances are that you’ve heard the term SEO, or search engine optimization, thrown around more than once in your professional life. If you don’t know what SEO is, or if you do know and think that it doesn’t apply to you, think again. SEO for insurance agencies is every bit as important as it is for any other legitimate company.

What Is SEO and How Do I Use It?

Once you understand how SEO works, it’s not as complex as it seems at first. In a nutshell, SEO is exactly what it sounds like: Optimizing search results. This is the process of taking specific keywords and using them in your content to drive search results in your way. For example, let’s say you want to search Google for your business. You might try terms like “best insurance near me” or “local insurance agents.” Now, try sneaking those terms into your blog posts and website content. The more often the terms are used, the better chance you have that your website will be near the top of Google’s search results. It’s easy, it’s organic and best of all, it’s effective.

If you check out www.neilsonmarketing.com/, you find that 51% of traffic is driven by SEO. That’s a huge number, one that you should be tapping into! Take advantage of what SEO has to offer by giving it a try yourself.

Hospitality Industry Insurance Options

How long has it been since your business re-evaluated its insurance plan? If the answer is longer than six months, it’s a good idea to get your coverage reviewed. If you’re just starting out, then you basically have two options. You can go with hospitality insurance programs that fold everything you need into a single, tailored coverage package, something that takes care of all of your business insurance needs. The other option is to shop for a few specialty providers that cover areas like employment insurance, liability coverage, and E&O insurance.

Which Coverage does Umbrella work Better?

This isn’t an easy question to answer, because different companies have different needs. The key is to find the insurer who really understands your business, whether it’s lodgings, venues, and nightlife, or another key niche in the hospitality industry. An all in one package will be easier to maintain and update, but you might find that you get more detailed coverage out of specialists in each major area of insurance you need to purchase. The key is to find the companies that really know that insurance, especially in areas like liability where your industry has unique needs. You can tell because sites like the one for RMS Hospitality Group make clear exactly what kinds of hospitality coverage they can help you out with.

How EO Coverage Can Protect Billing Practices

If you are dealing with any type of medical billing, it is important to understand why you need medical billing e&o. Here is how having this type of insurance coverage can protect you in nearly any situation.

Coverage When Mistakes Occur

Mistakes can occur in any setting, and this includes when you are dealing with medical billing. Even if you or your workers are careful, you might code something incorrectly or put down the wrong name on billing information. Having e&o coverage means you are protected in case of accidents like these, and you can avoid bearing the brunt of costs, according to Axis Insurance Service.

You Can Avoid Paying Out of Pocket

Those without e&o coverage are often required to pay out of pocket on their own. This can add up to thousands of dollars and cost a lot of money if it happens more than once. In contrast, you can avoid paying for full costs when you have medical billing e&o. This can give you peace of mind and allow you to focus on taking care of what matters, rather than wondering how much another day at work will cost.

Having medical e&o coverage is a worthwhile investment that can help you save money and avoid problems if a mistake occurs.

A New Law That Will Change Your Marketing

If you’re in marketing, you know that things are constantly changing. Another change on the horizon is the California Consumer Privacy Act that is set to take effect in 2020. What is the CCPA and how does it affect your marketing efforts? Let’s take a look.

What The Law Is

In the past, companies could sell and share consumer data with third parties, but that left consumers open to identity and data theft by cybercriminals. In 2018, voters approved the CCPA that allows them to decide how companies can use their information. For example, consumers can opt-out of information sharing and the law also protects consumers from any discrimination for doing so.

How It Affects Your Business

This law seems like it puts restrictions on your business at first glance. However, you can use it to your advantage, according to https://www.agencytsunami.com/. Be upfront about the changes and let your consumers know that they now have a choice of whether they want their information shared. This makes you seem more trustworthy and reputable. Plus, you can establish a rewards program for consumers that opt-in, which creates more loyal customers and keeps your information sharing legal.

Be Prepared for the Changes

Changes are a part of digital marketing. When your consumers ask you, “What is the CCPA?”, you can be prepared to answer and offer a solution.

How to Accurately Assess Candidates

Staffing companies rely on accurate assessments of job candidates to properly recruit for their clients. Streamline recruitment solutions to better assess candidates for more effective job placement. There are a few things you can do to improve client screening.

Test Utilization

Staffing firms rely on a variety of tests to assess candidates. By utilizing these tests effectively, the firm can better place candidates into the right position for the client and themselves. Common tests focus on things such as typing speed, Microsoft Office applications and reading comprehension.

Work Review

Thoroughly review a candidate’s assignments and samples from prior work to better assess their capabilities. Assessing their prior works means looking at their application, cover letter and resume. These items can give you a general overview of their experience, skills and qualifications for a specific job.

Interview Structure

As seen on www.wwspi.com, candidates who solve unusual problems or answer varying questions can help you better screen candidates. Consider a prescreening interview and then a full interview once they make it past the prescreening. These interviews can give the hiring manager a better feel for the candidate beyond what is on paper.

These tips can help to streamline recruitment solutions. Varying up some of the general items the firm normally looks for in a candidate can help better assess those applying for a position.

3 Qualities of Top-Notch Professionals

When you are looking for an insurance policy, it can sometimes feel like car shopping. The salesmen are pushy and trying to get you to buy something you don’t need. However, a quality agent, like those who work for Republic Insurance, can make the biggest difference when trying to narrow down your liabilities and coverage needs. According to programbusiness.com/, a top-notch professional has three important qualities.

  1. Knowledgeability. Your insurance search needs to start with an agent who knows what you need. Don’t go to a company specializing in homeownership if you need commercial business coverage. Use referrals to find an agent with knowledge of your area of coverage and move to the next qualification.
  2. Accessibility. If an agent is too busy to meet with you or answer your questions on the phone, it might not be a good fit. Insurance is a complex business, and you won’t know what you are doing or what you need without an attentive agent helping you navigate the policies.
  3. Boundaries. Your agent should respect your needs and set boundaries on the salesmanship. You shouldn’t be pressured into purchasing excess coverage where liability does not exist. You are to be treated like a valued client and not just a commission check.

Start your search with confidence through these three qualities. You will locate the relationship you need with the insurance provider and its agents.

Get the Maximum Protection With CPP Insurance

There’s nothing worse than missing coverage for an unfortunate event that affects your business. Many insurance programs handle the bare minimum, while others offer coverage for scenarios that don’t align with your business model. The best results call for a policy that works with your organization. Thanks to CPP insurance plans, you’ll have backup when you need it most.

Coverage That Counts

For smaller and midsized businesses, a Commercial Package Policy makes sense thanks to their flexibility and customization. After choosing the coverage options that are right for your company, a CPP combines them into one interconnected plan. This has significant advantages over Business Owner Policies since BOPs can incorporate other options that aren’t relevant to every field.

According to https://www.dsayles.com, there are a variety of options to choose from, letting you design a custom policy that works with you. Possible coverage areas include:

  • General liability
  • Property insurance
  • Auto insurance
  • Equipment breakdown
  • Crime
  • Business income

Incorporating all forms of coverage that might affect your business will ensure you’re protected even in the most unlikely of circumstances. There’s no reason to pay for coverage you will never use or to settle for policies that won’t protect you in emergencies. Choosing CPP insurance plans may make the difference between a terrible catastrophe to your bottom line and a slight setback towards a promising future.

Litigation Problems Involving Negligence

Companies or professionals who want protection from claims or assertions of negligence in the administration of contractual duties should purchase an errors and omissions (E&O) policy. The financial loss that can accompany successfully litigated E&O claims can devastate any company, and reputational damage is equally destructive. As noted by the experts at Transparity Insurance Services, a small business or professional working in a self-employed capacity have the greatest risk of financial detriment.

Common Claim Areas

There are few areas that present the greatest liability when dealing with the potential for claims or allegations of negligence of duty. These generally include:

  1. Inadequate or Insufficient Documentation or Communication
  2. Failing to Represent or Present Information Accurately
  3. Misleading Clients on Professional Qualifications
  4. Breach of Contract or Duty

Because many of these areas can take a subjective approach based on the claims of a client, one of the best ways to protect against long-term loss and damage is through a comprehensive E&O policy. This can help with the financial need for securing legal counsel, paying legal fees, or paying settlement amounts in the event a lawsuit is brought against an individual or company. Some policies also include reputation management consultation and lost pay due to court appearance requirements. Carefully documenting client interactions and decision-making is another to help establish a strong defense if litigation is ever pursued.

Reducing Your Operating Liability When Working to Help Others

Reducing Your Operating Liability When Working to Help Others

 

Even though the idea of running a non-profit is associated with a service or product that helps humanity, the corporation itself isn’t immune to problems of litigation and unhappy consumers. The experts at David Sayles Insurance warn about three potential areas where some may claim loss or harm, and non-profit lawsuit battle ensues.

 

Three Potential Claims

 

There are three primary claims that will be made against non-profit organizations, and these include employment law claims, contract disputes, and personal injury claims. These claim areas aren’t novel to just non-profits, but usually, they are ignored when pursuing a liability insurance policy. Major corporations and businesses that operate under a different structure will carry additional coverage to make sure their finances are supported in the event of a claim.

 

The Best Defense

 

The best way to defend your organization from a devastating lawsuit is proactive in addressing the areas of risk. Not only should your company purchase the right insurance policy, but you should follow strong business practices devised according to a risk management plan. Keep well-documented paperwork for contracts, donations, employee records, and other areas of importance. Establish a safe working environment and ensure that the activities you sponsor are well-covered by insurance, and only work with vendors who also carry strong insurance coverage. Reducing your areas of liability can help you avoid costly legal battles.