Why PPE At Work Is Essential

If you hear grumblings from your staff about needing to use personal protective equipment (PPE), remind them that you’re not making them use it because you’re trying to torture them. If someone asks “Why is PPE important?” have a list of reasons why you ensure it’s used regularly on the job.

Insurance Rates Are Kept Down

The more accidents that are reported to your insurance company, the higher your rates become over time. By failing to use PPE and getting injured on the job, your staff will eventually be paying much higher rates than they would have if they played it safe to begin with. If they’re still whining, direct them to www.danielsinsuranceinc.com for more comprehensive detail on the matter.

The Risk of Injury is Lessened

Seriously, do they want to get hurt at work? Using PPE to cover your extremities saves you from getting hurt or worse. Unless your staff wants to swap stories about scars or other injuries that were acquired at work, they need to be using PPE. Period.

It Covers You

Failing to enforce the use of PPE during a dangerous task makes you liable for the injuries that occur. Rather than agree that yeah, PPE is stupid, firmly enforce that no, it is not, and it needs to be done if not for their sakes, then for yours.

Encourage safety at work and train your staff on the importance of PPE. There might be a little huffing and puffing, but to create a safe environment it’s worth the grumbles.

Insurance for Marinas and Yacht Clubs

Marine businesses are unique, both as a group and in their individual niches. That means you can’t find a one size fits all policy that works for them, even if it’s one that’s specifically designed for companies that operate on the waterfront. If you need marina insurance, you need coverage for a variety of services and risks that other businesses might not need to worry about. For example, since your main income is probably from the rental fees for slips, you need your insurance to focus on the risks that come from storing other people’s assets, as well as those that can happen when boat owners are on-site to use their vessels.

Additional Coverage Marinas Need

The people at www.merrimacins.com/ do a great job of explaining why marina businesses need specific insurance, as well as how your business might have different needs from other marinas if you have extra features like venue rentals, boat rentals, or dining and entertainment facilities. Check out all your options, and then talk to someone who understands the industry and has the experience to customize your coverage. Working with the right provider means more than just a more specific policy, it also means you can streamline your risk management maintenance by consolidating your coverage. That allows you to go through fewer notifications and meetings during insurance review periods, and that’s a huge advantage.

Blanket Bonds: Critical Protection for Financial Institutions

When it comes to handling money, especially on behalf of individuals or other parties, any operation must be sure to have the right safeguards in place. If any crime occurs which results in major financial losses, an unprotected financial institution will be responsible for the deficit. That is why blanket bonds are so important.

What Is a Blanket Bond?

Blanket bonds are insurance policies that cover instances of loss resulting from unlawful activity. This kind of coverage focuses specifically on protection against unlawful activity by employees of the institution. According to the insurance professionals at FGIB, a blanket bond is first-party coverage that doesn’t cover instances of stolen information but does protect against a plethora of other occurrences.

  • Forged or altered checks, securities, money orders, bills, etc.
  • Damage or loss of property on the premises, including ATMs and their contents
  • Counterfeit currency
  • Extortion and ransom
  • Theft of property in transit

Although these situations seem extreme, they do befall financial organizations. Therefore, it is crucial for any financial operation to secure the right kind of coverage before any of these disasters have a chance to catch anyone by surprise. With a dependable and knowledgeable insurance group, financiers can be confident that they are sufficiently protected and continue their operations without fear.

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.