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Workers Comp Incidents Can Be Triggered by Exposure to Facility Environment

There are countless numbers of hardworking people in the United States who make their living by serving others—seeing to the health and welfare of patients who reside in an inpatient residence. Unfortunately, this kind of work can be tough on the body, leading to independent living facilities workers comp claims when someone becomes ill or injured in the course of the workday.

While helping others, workers can become patients themselves

These people face unique risks on the job to their own personal safety and health.

In one recent year alone, an industry analyst found that there were 27,400 recorded injuries among more than 896,800 workers in the industry.

Dangers can be serious, even life-threatening

Workers can find themselves suffering from a variety of situations that expose them to risk of illness, injury, or death, including;

  • Overexertion
  • Chronic stress
  • Guns, knives and other weapons
  • Drug abuse
  • Verbal abuse and other forms of harassment
  • Physical violence
  • Blood-borne pathogens
  • Needle sticks
  • Latex sensitivity
  • Unsanitary conditions
  • Temperature extremes
  • Transportation-related risks, as patients are taken to various destinations (for medical, social and religious purposes) throughout the day

Raise awareness to improve safety

Make workers aware of the risks that come from the work they perform, and provide suggestions about preventive strategies to reduce the number of illnesses, injuries and deaths that can occur on the job. Conduct frequent training and education sessions, and encourage a culture of safety in the workplace so that employees understand the important of having a zero-incident environment. Even better, talk to a professional insurance agent about Independent living facilities workers comp to ensure that both workers and the residence are well protected in the event of an incident. The policy provides essential coverage for one’s workers throughout the residence, offering protection in the event an accident, illness, or injury occurs while they are on the job. Coverage also includes compensation for lost wages while the employee is unable to work, as well as medical expenses and the costs for rehabilitation. In the event of permanent disability or even death, the policy covers those situations as well.


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Restaurant Owners Workers Compensation Offers Viable Protection

There’s no shortage of potential hazards and risks that employees in the food service industry face. From slipping on wet floors, to suffering grease burns, to throwing out their backs from lifting heavy equipment, food service employees could be harmed on the job doing a multitude of work-related duties.


For owners of these businesses, it is a necessity to carry restaurant owners workers compensation insurance to protect injured workers. Food service businesses turn to their workers’ comp policy to safeguard against the high cost of on-the-job injuries and risks. This valuable coverage protects the restaurant, deli, cafe, or catering business and its employees from the uncertainties associated with this line of work.


Protecting food service employees needs to be a priority


The quick pace of running a restaurant or catering business means that wait staff, chefs, baristas, and bartenders can easily become the victim of an unforeseen, split-second accident. From slick kitchen floors to broken glass and sharp knives, food business employees are constantly exposed to harmful situations on a continual basis. And regardless of the extent of safety training or other means of risk management, food service managers know accidents happen all the time, even to the most experienced workers.


Workers’ compensation (WC) insurance is a business protection policy that helps to offset some of the unavoidable risks that restaurant staff may face. Should an employee be injured at work, and a claim is filed, it can protect the business by providing the necessary funds to cover the medical expenses associated with that injury and any lost wages an employee experiences while recovering.


Additionally, this coverage also provides for the cost of lawsuits and settlements if the employee decides to sue the business. Most states currently require WC insurance for all businesses with employees, but the extent of the coverage varies from state to state. An agent with experience insuring food-service businesses can help to determine how much WC coverage is adequate for a particular business, given its current situation.


Also known as “workers’ liability insurance,” some WC policies also include Employers’ Practices Liability Insurance as a safeguard against the lawsuits that tend to accompany job-related accidents. This policy can help pay for legal costs, even if the lawsuit is meritless, the business will still be covered for the court costs and attorney fees associated with defending against the claim. Without proper restaurant owners workers compensation coverage, the attorney’s fees alone can be enough to bankrupt a small business.


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Lack of Communication and Lawyer Professional Liability Insurance

Most attorneys take pride in their profession of choice and do their upmost to provide the best services to their clients. After all, when someone is in need of legal advice or representation, they are usually full of worry and concern. Part of a lawyer’s job is to make the client feel that they will be well represented and that the person they have hired will do everything in their power to bring the matter to a favorable conclusion.


Where the problem may lie is in the fact that the attorney, for whatever reason, might fail to do a proper job. This could be due to a heavy workload, or it could be that a mistake occurs, such as filing a document late, or forgetting to file a document at all. This is where lawyer professional liability insurance comes into play. Attorneys, when threatened with a lawsuit for malpractice, or other liability issues, need the protection of this brand of insurance to avoid losing their practice, or even their personal assets.


Disgruntled clients may overreact


While an attorney may be doing everything properly, his or her clients can still become discouraged and frustrated when they feel their attorney is not doing his or her best job with regards to their case. This is the main reason that clients have issues with their legal professionals and why this sort of problem can result in a legal malpractice claim.


Lack of communication


While there are several ways in which to communicate information, and that includes cell phones, Internet, email, texting and smart phones, many clients still have communication issues with their attorneys. If an attorney fails to return repeated phone calls or emails, he or she may be found guilty of violating their ethical responsibility of communication.


After several attempts to communicate with their attorney, a client may write a firmly written letter inquiring about any communication problems. If the attorney responds by saying they have been working on another case, or tending to a sick relative, this may sit well with the client, or may only aggravate the situation further, which could lead to longer periods of silence, which may result in a lawsuit being filed.


Giving the client the full attention they feel they deserve often leads to a better attorney-client relationship. But if the situation only worsens over time, it is highly recommended that all attorneys purchase lawyer professional liability insurance coverage long before this type of situation arises.


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Budgets, Branding and Successful Internet Marketing

While online Internet marketing can remain within a proposed budget amount, the art of maintaining a successful online presence can, over time, add up. Use these tips on how to market an insurance agency online using a limited budget.


In any marketing campaign, in order to be successful it helps to know who the audience is. Most agencies are targeting a specific geographic area. They need to ask themselves, does this area have new families or retirees? Are there a lot of homeowners or renters that could benefit from the services being offered? Start by asking customers about their communication preferences. Only then can the agency identify online marketing channels to focus on, like Facebook and Twitter for starters.


Set goals and modify these as needed


It helps to know what the agency expects to accomplish with their online marketing. By setting goals, it makes it much easier to track success. Once the first set of goals is reached, modify them so that the agency continues to prosper from its efforts.


Establishing a budget is also crucial


Make a marketing budget and identify how much the company wants to spend on a website; this should include things like maintenance and content updates, search engine optimization, email marketing and social media. Consider doing pay-per-click advertising, which can be another good avenue to take. However, the highest rates of success generally come from focusing on search engine optimization, as the return on investment is usually much higher than pay-per-click advertising.


Internet marketing requires continuous attention and effort, which can be quite straining on a limited budget, so identify those tactics that can be reasonably handled in-house, and hire experts to help with the other more difficult and time-consuming options.


Identifying the company brand


This is key to what makes the agency different. Why does someone choose one agency over another? Many prefer an agency that comes off as more professional. Some prefer a more laid back approach. These are the types of things to consider to help identify the company’s brand as they will help with a number of concerns, including how the website looks and what is shared on social media. Remember, once the brand is established, all that is left to consider regarding branding is being consistent and sticking to brand values.


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Choices, Options, and Orlando Surety Bonds

The primary goal of any business owner is to ensure that the operations of their company runs smoothly and efficiently on a daily basis. But there are many instances where the performance of the business may require extra attention. It is at these times that it may be necessary to assure the client that the company they have hired is performing as was promised.


In construction and contract work, as well as in many other business models, Orlando surety bonds help to ensure contract completion in the event of contractor default. A project owner (called an obligee) seeks a contractor (called a principal) to fulfill a contract. The contractor then needs to obtain a surety bond from a surety company. If the contractor defaults, the surety company is obligated to find another contractor to complete the contract or compensate the project owner for any financial loss incurred.


There are four main types of surety bonds


There are different bonds available for every phase of work being committed to by a contractor. The four primary bonds are:


  • Bid bonds, which ensure the bidder on a contract will enter into the contract and furnish the required payment and performance bonds if awarded the contract


  • Payment bonds, which ensure suppliers and sub-contractors are paid for work performed under the contract


  • Performance bonds, which ensure that the contract will be completed in accordance with any and all terms and conditions, and


  • Ancillary bonds, which ensure requirements integral to the contract, but not directly performance related, are also performed


An agency with extensive knowledge and years of experience that specializes in combating diverse risk exposures can assist by providing unique product and services options. Other bonds that may be of interest to businesses requiring bonds includes the following:


  • Contractor Bonds


  • Sub-Division Bonds


  • Court Bonds


  • Conservator Bonds


  • Fidelity Bonds, and


  • Liquor Licenses


Since there are many types of Orlando surety bonds and products, it’s important to discuss options with a licensed, professional bond agent that can meet those unique business needs of this burgeoning industry, and can provide a high-degree of customer care that will ensure any and all considerations.

Decisions Concerning Coverage and Dog Bite Insurance

Some homeowners and renters insurance policies cover liability for dog bites. Consequently, those who are insured under such policies usually have coverage in the event their pet accidentally, or intentionally, causes an injury to someone. However, there are policies that exclude dog bites, and those that provide inadequate limits for the victim. Three solutions are available for dog owners who are uninsured or inadequately insured: umbrella coverage, excess coverage, and canine liability policies, otherwise known as dog bite insurance.


An umbrella policy provides liability coverage for injuries, damages and losses that are not covered by a person’s primary insurance (i.e., an umbrella would cover a dog bite that is not covered by the dog owner’s homeowner policy). An excess policy provides a higher policy limit for losses that are covered by the primary insurance, and a canine liability policy is a policy written specifically for dog owners for the purpose of insuring dogs or people who, for one reason or another, cannot obtain any other coverage for injuries, damages and losses caused by their dog.


An umbrella policy solution for dog owners


Having homeowner or renters insurance that does not cover canine inflicted injures can be a major issue. A knowledgeable insurance agent can inform pet owners how to go about purchasing a “personal umbrella liability policy.” It is a form of umbrella liability insurance for individuals and their families. It provides coverage for excess liability over underlying liability coverage, and some of the liability exposures excluded by underlying policies, which might include canine liability.


The important thing is to purchase insurance before an unfortunate incident occurs. Dogs often bite people within the confines of their own home. Victims, in many cases, are friends or relatives, and the animal may even be familiar with its victim. Also, pet owners should ascertain that the umbrella policy under consideration does not exclude canine inflicted injuries. Those unable to secure umbrella insurance may actually be better off purchasing a policy for canine liability. Dog owner liability, or dog bite standalone insurance, is also available from several brokers and companies operating in the US. Speak to an agent today about questions or concerns.


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Providing Sufficient Nursing Home Insurance

Because the risks they face require a tremendous amount of expertise and understanding, agencies hope to help nursing homes and assisted living centers with their need for nursing home insurance and the coverage they may require for the many exposures associated with running an enterprise of this sort.


Nursing homes and/or assisted living centers seem to find their organizations under fire for not providing adequate care to their residents, which may not be the actual case, but the perception is all that is required for the media to showcase a facility that comes under accusations of abuse, or other complaints when an issue occurs with someone living in residence.


Are nursing homes unfairly targeted businesses?


There may be a higher likelihood of these types of businesses experiencing claims due to the nature of their work and the clientele they serve. It is often quite easy to find articles or TV ads indicating that attorneys heavily target this class of business. While the focus may primarily involve the professional liability side, other lines of business can also have significant potential for legal professionals as well.


While nursing homes and assisted living centers come in various sizes to accommodate a small, or large group of residents, the coverages needed are fairly consistent. One thing is certain; insuring nursing homes requires a high degree of expertise as well as a solid commitment and extreme attention to detail. The reason for this is that they represent some unique exposures and have some significant severity potential.


Agents interested in targeting this area should be aware that education and training are crucial, so it is strongly suggested that the staff (producers, account execs, customer service reps, etc.) handling this class receive all of the training necessary to ensure their competency.


Chances are that there will probably be a limited number of carriers for this type of risk. However, as with many classes of business, there are always carriers looking to get into new segments, therefore they need to show a commitment to this market, and explain the risks they are willing to insure, as well as what makes their product offering unique.


While liability is probably more of the major issue, property losses also do occur. Ensuring that property values are current is very important. Agents should be well educated in other available lines of valuable nursing home insurance coverages as well.


photo credit: The Pointe at Kilpatrick cc

Directors and Officers Need Insurance Protection for Their Actions

It’s an awesome responsibility, serving on a board at the helm of a company. These most senior professionals are put in the position of leading the firm, setting the tone for every employee and providing direction on how the organization should conduct business. Ethics, code of conduct, managing organizational conflicts of interest, conducting themselves with the utmost in positive, appropriate behavior in both a personal and professional sense, and generally holding themselves to the highest standards at every turn, knowing that they could be liable legally for missteps—this is what these individuals sign on for when they agree to take on such a role. Understandably, many people would not take on such a role unless they were sure they were offered some protection for their actions. That protection is in the form of a policy, and it can be invaluable. So what is D&O insurance exactly?

Coverage protects companies and officers from lawsuits

This coverage offers protection for the business itself, as well as its directors and officers, in the event of a lawsuit in which mismanagement of their duties is alleged by the claimant. The coverage also includes liability insurance and will pay for court fees for covered claims. This is a policy that can literally save one’s personal and professional life, as these days claimants often sue not only the organization but names individuals to the suit as well, asking for huge damage awards. Without coverage, both the company and the people named in the policy could be on the hook for the full amount of a judgment against them.

The cost of doing business

Consider that many companies today say that the amount they pay for this kind of protection is one of their biggest operating costs, following property rent/mortgage and payroll. It’s important to make sure one is paying the right amount for protection. To accomplish this, contact a professional insurance agent for guidance. Not only can an agent provide details about what is D&O insurance, he or she can assess one’s business operations to select the right mix of coverage options that will provide the most and best protection for one’s business.


photo credit: University of Central Arkansas cc

Home Repair, Maintenance, and CT Home Insurance

With winter fast approaching, homeowners should look ahead to the many things they should be doing to protect their homes from the ravages of winter. Proper planning can help to ensure a reduction in maintenance and utility costs. Any serious damage the house may have encountered can be taken care of with CT home insurance, but use these checklists to help get organized for the months ahead.


Taking inventory of any current home maintenance and improvement projects will allow a homeowner to get a handle on what needs the most attention. This will help in budgeting and planning for maximum value.


Some important tips to consider


It makes good sense to complete activities requiring a ladder on a day when the weather is nice and the ground is dry. Have a professional come out to deal with windows, siding or roofing issues, and have them check out the entire exterior for any possible additional problems. It may also be a good idea to have a technician check the heating system, and other related equipment like air cleaners, humidifiers, and heat exchanging ventilators.


Heating, insulation and ventilation concerns


  • A thorough examination of the central heating system should include:


  • Making sure all air vents are free of obstructions


  • Adjusting vents for better air circulation during the winter months


  • Testing the furnace before the weather gets to be too cold, and


  • Replacing or cleaning the furnace air filters


In addition, installing a winter cover over the air conditioning unit (or removing it for the winter and seal the opening) will help to better insulate the house and keep cold air out.


Examine the insulation for the following:


  • Make sure attic insulation is at least R30 (the greater the R-value, the more heat flow is reduced) and walls are insulated to R11


  • Make sure crawl space is properly insulated
  • Consider insulating basement walls, which along with providing savings can reduce common moisture problems caused by condensation


  • Insulate any pipes and heating ducts that run through cold unheated crawl spaces or attics, and


  • For houses built before 1950, consider purchasing cost-saving blown-in wall insulation


There are many other areas that should be inspected and repaired as necessary. CT home insurance provides many solutions, but taking care of things that can be handled without a claim will save money and keep premiums low.


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