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Staffing Companies and Employment Agency Insurance

The primary job of a staffing company is to develop relationships with employers and then place qualified individuals into any open positions that the employer has. This helps employers fill short-term and long-term positions and may also provide direct placement assistance for employers.


A staffing company can be one of the easiest businesses to start up. In general, they require fewer licenses and only need to address minimal requirements to get up and running. Once the licenses and requirements are met, including procuring employment agency insurance, they can begin to operate the business legally and place their applicants with its business clients.


Operations vary from one company to the next


Employment agencies may offer several different types of employment-related services or they may concentrate on just one industry. For instance, they may perform one or more of the following services:


  • Place a worker with a permanent position


  • Find a specific type of worker for a customer company


  • Provide employers with short-term or temporary help, or


  • Provide workers with job counseling


It is very important to make sure that the worker seeking employment, the employment operation, and the customer company seeking the worker understand fully the terms and conditions of the employment arrangement.


Serving many different industries can require specific licensing


While some staffing companies focus on labor positions, some staffing companies specialize in certain industries, such as nursing or construction. Some states require specific licenses in order to place employees. The city’s business development office or a representative thereof usually determines this. The office will provide specific information needed to obtain the additional licensing, if any is required.


Most states require businesses to maintain workers’ compensation insurance for its employees. Providing long-term placement services (meaning that the placed employee is a long-term employee of the staffing company) requires workers’ compensation coverage under the staffing agency.


Depending upon the type of staffing agency, workers compensation and/or professional liability can be the largest expenses as well as the biggest exposures. A well-defined general liability insurance policy, as well as a business insurance policy helps to protect the staffing company from liability and aids the company in meeting its legal requirements.


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Builders Risk and New Jersey Residential Construction Insurance

In order to thrive in the construction business a contractor must first, win bids and second, deliver the goods. Doing a good job means bringing in more money but it also comes with risks and exposures associated with this line of work. For those whose primary source of income is in home building and restoring projects, residential construction insurance in New Jersey will provide some much needed relief when an issue arises.


Make no mistake; the first item on any contractors list will be insurance on the property while under construction. Typically, the coverage purchased by most professionals is Builder’s Risk Insurance, a specialized coverage designed specifically to apply to buildings while under construction, which includes materials and supplies pertaining to the construction. There are other possible options for coverage of items not covered under a builders risk policy.


Who buys this coverage?


Depending on the terms of the construction contract, this particular coverage may be purchased by either the contractor or the owner of the building. In either case, all parties to the project who may have property involved in the construction should be named in the policy. This usually includes the owner, the contractor, any subcontractors, any sub-subcontractors employed by the subcontractors, the financial institution supplying money for the project, and also any architects and engineers involved in the project.


What does builder’s risk cover?

A builders risk policy provides coverage for damage done to the insured structure from a number of possible events. Most policies will cover damage from fire or theft, as well as any of the following events; wind, lightning, hail, and explosions. Extensions of coverage may be provided for certain exposures not listed here.


For example, property in transit, that is, any resulting property loss while said property is being transported to the jobsite. Coverage can also be extended to apply to scaffolding, construction forms and any temporary structures, but only while they are at a location reported to the insurer. Any property in temporary storage that will be used or installed in the secured location and pertaining to the insured company can also be covered under an extension to existing coverage.


A contractor will need to purchase a separate policy to cover the property of others; tools or equipment, any liability issues or concerns, including accidents on the job site, and sub-contractors are, in most instances, required to have their own insurance. Speak to an agent about any questions or concerns pertaining to New Jersey residential construction insurance today.

photo credit: @yakobusan Jakob Montrasio 孟亚柯 cc

Pollution Concerns and Yacht Club Insurance

Yacht club and marina launch owners are under increased public and government pressure regarding several environmental issues. There are a variety of concerns regarding the proper disposal of waste and toxins, many of which can be found in businesses that run primarily along waterways. The improper and illegal dumping of waste into waters inhabited by marine life, as well as those people who swim, fish or otherwise enter the water for recreational purposes brings to light the reason for even more stringent regulations, laws and bylaws.


Fines can be exceedingly high, but it is imperative that these waters be protected against any reckless dumping, which can result in costly clean ups. Self-imposed safety measures can go a long way towards making these types of businesses less prone to violations, and yacht club insurance can help to pay heavy fines when an unfortunate accident does occur.


Sewage and waste disposal a major concern


In the United States, several federal agencies and laws have some jurisdiction over pollution from ships in U.S. waters. States and local government agencies also have responsibilities for ship-related pollution in certain situations. Some of the most important steps taken were to enact the Marine Plastic Pollution Research and Control Act, as well as the Marine Debris Research, Prevention and Reduction Act.


The Marine Plastic Pollution Research and Control Act (MPPRCA) requires the EPA, in consultation with the National Oceanic and Atmospheric Administration (NOAA), to study the adverse effects of improper disposal of plastics on the environment and on waste disposal, and various methods to reduce or eliminate such adverse effects.


The Marine Debris Research, Prevention and Reduction Act (MDRPRA) was passed to establish programs within the NOAA and the United States Coast Guard to help identify, determine sources of, assess, reduce, and prevent marine debris and its adverse impacts on the marine environment and navigation safety.


In addition, on December 20, 2012, President Obama signed the Marine Debris Act Amendments of 2012 to re-authorize and amend the MDRPRA to address the adverse impacts of marine debris on the U.S. economy, the marine environment, and navigation safety.


Vessel discharges are a serious concern


Significant environmental impacts to coastal and ocean ecosystems occur via direct pollution from recreational, commercial, and military vessels. Various pollutants from these sources include bilge water, ballast water, anti-fouling paints, hazardous materials, and municipal and commercial garbage, along with other wastes. Yacht club owners have a tremendous responsibility, and fortunately, they are provided with help and relief in the form of yacht club insurance for just these kinds of exposures.


photo credit: Jamie In Bytown cc

Product Safety and San Francisco Bakery Insurance

Concerns over food borne illnesses are growing rapidly. There are constant reports of food recalls on the news, and many markets, restaurants, and even bakeries are being singled out for products they sell which cause patrons and customers to become ill due to unsanitary handling, or in some cases, the items are tainted long before they reach the retailers.


Bakery owners in the Bay Area depend on their managers and clerks to provide customer service and satisfaction, and these people are the first line of defense against the serving and selling of tainted goods. They must inspect the products to ensure they are of high quality and be on the lookout for any suspicious looking items that may pose a threat to the safety of their clients. San Francisco bakery insurance will be vital should an unfortunate instance occur where a bakery treat is the cause of severe illness to those consuming these delicious items.


A bakery clerk is generally responsible for the quality of the goods being baked in-house, making sure that only the freshest ingredients are being used. In addition, he or she must oversee the preparation of baked goods and other items for sale, as well as proper food handling procedures and government regulations regarding codes must be followed to the letter.


The training of employees on proper food handling techniques, workplace safety guidelines and personal hygiene procedures are all important aspects of a well-run bakery, and will greatly reduce the likelihood of contamination of food products. Employees suffering cuts should know what should be done in this event, and should be removed from actively dealing with food products until the situation is remedied.


Bakery managers should make sure that these common practices are being followed:


  • Supervision of food handling, packaging and handling practices per customer request


  • Monitoring and controlling hazards, such as spillage, cross-contamination, ingestion of toxins and the like


  • Guiding the safe operation of food preparation equipment


  • Evaluating the sanitization of food preparation and serving equipment and work areas


  • Recommending solutions to improve any current food preparation issues, and


  • Conducting risk assessments to ensure the safety of food handling and delivery


Bakeries provide a great service for those hosting parties, functions and other social events. After all, many people enjoy these sweet treats and it could be tragic if the proper care and concern does not go into making certain that these foods are free from any carcinogens, toxins or other illness inducing agents. San Francisco bakery insurance protects consumers and business owners alike.


photo credit: PetitPlat – Stephanie Kilgast cc

Attorney Professional Liability Insurance and Coverage Determinations

Attorneys must factor in the potential for facing a costly and time-consuming lawsuit when making decisions about attorney professional liability insurance and what constitutes having adequate coverage. The amount of coverage that any lawyer should purchase should pertain to their own philosophies about risk-taking, along with their current financial solvency, and the types of risk they may face in their line of practice.


Some attorneys are more likely to face issues of malpractice or breach of fiduciary duties than others. The answer as to how much coverage is actually needed is best determined through consultation with an experienced lawyers’ professional liability broker trained to help analyze the types of risks and concerns facing individual lawyers and their firms. Only upon knowing a particular situation can they then suggest the appropriate limits and deductibles.

Factors to consider when choosing coverage options


Some factors to consider include potential defense costs; indemnity for liability, and billable time lost to depositions, trial or other claims proceedings. What is the likelihood of a lawsuit and how frequently might this be an issue? Also, what is the possible severity of these types of claims?


In some areas of practice, for example, residential real estate or collections practice, the likelihood of facing a claim is much higher than in other areas of practice, but the average amount of any one claim may be much lower. Those who work in patent law, securities work or entertainment law, where claims are less frequent, but yet there is the potential for significantly higher losses.

Circumstances often dictate coverage decisions

Depending upon specific circumstances, some law firms may want to place some limits on the activities and claims that their policy is intended to cover. This is done primarily so that they do not carry the risks other firms or attorneys bring with them as lateral hires or in mergers. This is typically done through a “prior acts date” or “retroactive date”. Therefore, maintaining continuous coverage is extremely important because only an in-force policy can provide coverage when a claim arises.


Another area of concern for many attorneys is a lapse of, or gap in coverage. Gaps in coverage can arise when moving from firm to firm or when ceasing to practice, even for a short while. One way to avoid a gap in coverage is by maintaining coverage with one insurer. These are just a few things to consider when making choices for attorney professional liability insurance coverage.


photo credit: Vainsang cc

Summer Driving Concerns and Auto Insurance

Summer is just around the corner and we could be in for an extremely hot summer in many parts of the US. The increase in temperature could likely result in problems with vehicles, such as overheating on streets and highways.


You can expect to see a rush of air conditioning and coolant issues with the hot weather arriving, with people lined up to get their systems serviced. You will likely need to have your air conditioning inspected, and have the filter replaced to avoid any air flow problems, and it is very important that the cap and filters be maintained, particularly since you probably haven’t had a need to use it for several months now. It’s also important to make sure your auto insurance is updated with the coverages you need as you head out on the road.


Other issues and concerns related to hot weather driving


Hot weather can create lots of problems for motorists. For example, people tend to become drowsy on long drives, and glare can create serious vision issues, especially on residential areas, where pets and children may suddenly run out into the street. You may be temporarily blinded, losing your ability to see them, or a car backing out of a driveway. Auto insurance will come in handy should an unfortunate accident of this type occurs.


You should be concerned with your car’s tires as well.  Proper tire pressure in hot weather can make a difference between getting there and getting a flat, and it tends to make a car burn more fuel as well. Tires also tend to create heat when low on air, which will make them expand more. This will create more air pressure, which increases the chance that they will blow.


In addition, you need to watch the car’s temperature for any problems in the cooling system. Keep an eye on your temperature gage, and if you see a spike in your temperature you might have a thermostat issue or a possible coolant leak. And, of course, call your agent to make sure your auto insurance is updated in addition to keeping your car serviced so you can enjoy your summer driving experience.


photo credit: 1968 Dodge Charger R/T | Scott Crawford cc