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.

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.

Racing Insurance for Yacht Owners and Clubs

Yacht club racing is a popular sport with owners of large recreational vessels for a lot of reasons. The open ocean, the spirit of competition, and the combination of engineering prowess and strategic insight all come together to make winning such an event an indescribable experience, which is probably why so many people who buy a yacht eventually give it a try. It’s a risky sport, though, which is why race teams often bring in professionals who have experience with many vessels. It’s also why the marine insurance industry creates specialized yacht racing insurance just for these events and the vessels that participate in them.

What Does Racing Insurance Cover?

For owners, the insurance policy needs to cover the yacht under all operating circumstances the race may encounter. It also needs to cover the team and anyone else aboard. In many ways, a racing policy for owners is a more robust marine insurance policy that still closely resembles a basic plan. For clubs, however, racing insurance is a must-have method of managing the risks that come with the role of the event host. That includes risk insurance for the event itself, as well as coverage for the club’s grounds and race officials, among other unique provisions that you only need if your organization hosts yacht races. It’s just the right coverage for clubs that host competitions, built to work well with your other marine business plans.

Why Social Media Marketing is Important to the Insurance Industry

One of the best advertising platforms going into the new millennium is social media. These days, it seems like everyone is on social media. For insurance business, an investment in social media marketing can pay huge returns. Here are three reasons why your insurance business should be marketing on social media.

  1. Half the World’s Population Uses Social Media

If you want people to find your brand, social media platforms are the place to be. Statistics show that in the United States, three-quarters of the population use social media.

  1. Targeted Audience

Social media platforms such as Facebook and LinkedIn provide tools for advertising campaigns that target your specific audience. This means your ad shows up to the market you choose. If you want to attract automobile collectors, you can target people who show automobiles as an interest in their profile. Targeting the right audience ensures your funds are spent wisely on the right audience.

  1. Engagement

Social media provides you the opportunity to engage with your clients and potential clients. Nothing gets more attention on social media than interesting videos and informative articles. When you engage with your audience, they remember you, and they come back.

Marketing on social media does take skill. If you don’t know how to write engaging posts or capture exciting videos, outsource your social media marketing. You’ll be glad you did.

Finding the Future With Staffing Analytics

Understanding how the past affects the future is the heart of data analytics. Staffing firms can learn a lot from looking into how staffing procedures affect workflow, efficiency and standard practices. These insights from staffing analytics may help agencies and companies hire more effective employees and develop new procedures.

The Power of Data

According to the experts at World Wide Specialty Programs, companies stand to see upwards of 80% increases in profits over a three-year period when analyzing staffing data to make larger corporate decisions. Looking at how specific staff interacts with the business and clientele helps managers and corporate officers make better decisions about who to hire and when to promote certain individuals. Staffing analytics looks at a variety of factors.

  • Where the most productive employees are located
  • Discover where the most talented recruits come from
  • How to incorporate new talent into existing staffing structures
  • Predicting the best time to hire or when the business should reduce recruit intake
  • Calculate the ROI for each employee as well as teams as a whole

being able to make accurate predictions is how every business stays ahead of the curve. Taking advantage of the power behind staffing analytics may help a company find the best candidates to bring their workforce, organization and shareholders towards a very profitable future.

Why Do Insurance Agents Need SEO?

With the internet so widely available, it’s essential that insurance agents take advantage of online marketing. One of the best ways is to utilize search engine optimization, called SEO for short. In fact, every business can benefit from SEO, and if you’re not incorporating it into your marketing campaign, you’re actually falling behind.

How Does SEO Work?

SEO uses keywords to boost your webpages’ rankings on search engines results pages such as those generated by Google and Bing. The best search engine optimization for insurance agents is tailored to agencies’ specific needs using data analysis, as seen on agencytsunami.com. This ensures that your pages are being seen by visitors who are more likely to need your services.

What Are the Benefits?

The number one benefit is a boost to your site’s traffic. Search engine optimization for insurance agents targets internet users interested in policies, driving them toward applicable pages on your website. As a result, you may see more conversions and an increase in policy sales. SEO can also be used to position your company as an authority on insurance, which is essential to brand development.

Many people turn to the internet to research policies before buying. To make sure you’re the first resource they see, invest in search engine optimization for insurance agents.

Change Up Your Insurance Marketing with These Tips

Insurance companies need effective marketing to reach their target audiences to grow their businesses. An insurance market directory is one way to increase the accessibility of the company. Here are some effective strategies to change up your company’s marketing this year.

Searchable Database

As seen on programbusiness.com, a searchable storefront directory allows consumers to find your insurance agency. They can search by alphabetical order, name or list. An insurance market directory is simply one way to reach more people.

Video Content

Video and audio content are on the rise. These marketing formats allow you to interact intentionally with potential customers. They can hear your voice and see your face which adds a personal touch to your website or social media presence. These can be simple 30-second clips answering a question once a week.

Automation Strategies

The growing success of automated marketing using things such as AI to help reduce the amount of marketing work insurance agents must do is on the rise. These technologies can help run in the background helping you focus on developing relationships with new and existing customers.

Inclusion in an insurance market directory, video content and automation strategies can boost your marketing goals this year with minimal effort. These new strategies can help grow your business by increasing lead generation.

Protecting the Contractor

Independent contractors fall into a unique category when it comes to liability compared to other types of employees. Self-supporting professionals are becoming increasingly popular, pushing the objective of safeguarding the contractor. As with any work, there are risks involved with choosing to pursue an independently hired job. The difference is, as an independent contractor, you are solely responsible for your work, safety and materials.

Reasons an Independent Contractor Needs Liability Insurance

Independent contractor liability coverage is an essential part of being successful in this line of work for many reasons:

  • Improved ability to find jobs
  • Professionalism
  • Money savings

As referenced on https://www.wwspi.com, staffing agencies that place independent professionals understand the importance of the necessary steps that should be taken to protect both parties. Contractors who clearly identify themselves as independent and have obtained insurance are typically placed much more quickly by an agency.

Ways Insurance Protects the Contractor

Accidents and mistakes on the job site should be avoided to the greatest extent possible. However, there are times that safety measures fail to prevent injury, damages or human error. In instances like these, independent contractor liability protects the professional from paying out-of-pocket loss or medical fees. You can save yourself time and money by protecting your business with the necessary insurance to provide top-of-the-line service.

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.

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.