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Protecting Your Temporary Staff

In 2011, it was estimated that about 12 percent of the workforce was contracted to staff. In 2015, Forbes estimated that the number of contingent workers had increased to about 40 percent of the U.S. workforce. Although there is a lot of debate over how to define temporary employees, no matter what you call them, these people still need to be protected on the job. If you need staff insurance, talk to your agent to find the right policy to protect your workers. Here are some tips to help you maintain safety on the job:

  • Provide proper training, even if a staff member will only be on the job a few days
  • Work with the staffing agency to ensure the well-being of all staff
  • Make sure the contract is in compliance with OSHA standards
  • Keep proper records about injuries that occur not only to maintain records in case of a lawsuit but to be proactive and identify potential hazards and trends of accidents to prevent future injuries
  • Verify all host employers have safe workplaces before sending temporary staff out to the site

Staff insurance gives you peace of mind in case the worst happens, but it’s more important to be proactive and prevent injuries from occurring. Take steps to do your part to keep everyone safe on the job.

Strict Guidelines and Insurance For Vegan Food Manufacturers

Vegan food production facilities require comprehensive coverage designed for them. The diverse exposures faced by plant-based manufacturers demand an insurance expert who understands the intricacies of the lifestyle and how to properly insure against the various exposures that arise. This requires working with a firm and an insurance agent who is committed to their mission to bring high-quality, cruelty-free food items to the marketplace. Whether we’re talking about cashew cheese or eggless meringue, vegan food manufacturers aim to protect and preserve the ethical edibles they sell.

 Liabilities in food preparation

When it comes to food preparation, there are the liability risks inherent in any company, aside from food contamination and food-borne illnesses, such as slips and falls occurring to individuals other than employees, and the possibility of third-party property damage that can result in a claim being lodged against your enterprise.

As a vegan food manufacturer, you have additional liability risks in areas such as product recall. For example, improper labeling of an item intended for vegan consumption may be the cause for a product recall if it mistakenly contains an item unsuitable for vegans. This can be a real concern, as it would affect the integrity of the product. Other product recalls might, for instance, involve foods that contain undeclared soy and nut allergens. The vegan diet is a very strict one and all ingredients must be properly inspected before being introduced to stores and restaurants that proclaim to be purely vegan.

The vegan market is such that it requires diligence by all suppliers as to the nature of the products being introduced for vegan consumption. This is why insurance for vegan food manufacturers is essential in the event that a lawsuit is filed for negligence, both in the producing of food substances and the safety of those establishments serving food and other ingestible items.

Cyber Liability and OC Insurance

Data breaches are so commonplace now that they hardly make the news anymore. While some major companies have been recent targets of cyber-attacks, small, and mid-sized businesses also operate under threat from hackers. This is due in part to what is perceived as easy accessibility and potential for high profits from any acquisition of personal information. There has been a rise in the purchase of cyber liability policies, including oc insurance, which is available to businesses operating in and around the Southern California area.

Cyber-breach scenarios, such as third-party attacks on companies, are high in numbers and varied among the types of businesses targeted, but growing in frequency and severity. A hacker may find it easy to gain access to a company’s network where sensitive client information is stored and is then able to make fraudulent fund transfers or use the information to sell it for identity theft purposes.

cyber liability
Taking your time and fully examining your cyber liability policy can help you to understand these key factors. If there are any terms or benefits that you do not understand, consult with your local agent.


Network breaches can be costly

Any company that relies on electronic storage of their client’s private data must understand the types of liabilities it could face with the breach of its computer network. Having a comprehensive cyber liability policy can help to protect the company from an array of third- and first-party breach liability exposures. Those companies using service providers shouldn’t rely on their providers’ insurance policy in the event of a cyber-breach claim given that they are likely to still be liable for any damages incurred.

But first party breaches should also remain under consideration. If a completely trustworthy employee takes a laptop from the office only to discover that it’s been stolen out of his or her car, or they inadvertently publish private client information on the company website, this is also an insurable incident. These scenarios can, and do happen, and a commercial general liability policy will not protect against data breaches.

Should you experience such an attack, your company should consider hiring cyber security professionals to conduct forensic analysis to determine the cause of any breach and begin the preparation process of the affected network. Having an adequate cyber liability policy from orange insurance is designed to reimburse notification and forensic costs as well as restoration and business interruption costs.

Today’s technology provides great opportunities to many in the business world, but also opens up businesses to a whole new set of liability exposures. Speak to an agent to determine what type of policy will address your needs.

Flexibility and Temporary Staff Insurance

For years companies have used temporary employees as a convenient and economical way to meet last minute and short-term staffing crunches. Using temporary employees can provide employers with flexibility as well as reduce their long-term investment in individual employees. It also gives them the option of reducing staff size without affecting the roles of their permanent employees.

But increasingly, companies are placing temporary employees in long-term positions, making them indistinguishable from regular employees, except for the fact that they are not receiving benefits (e.g., paid vacation time, group health insurance). General commercial liability policies cover the acts of employees within the scope of their employment.

However, it has become common for companies and firms to occasionally procure the services of skilled temporary workers (e.g., administrators, paralegals, legal secretaries, etc.) that are provided under a contract with an agency. This is where temporary staff insurance can become vital if a claim against one of the temp staffers creates concerns.

Negligence and other workplace issues

It would appear that many temp agencies do not generally provide insurance that would cover direct or consequential damages if a temporary worker were negligent in performing their duties. Since they are not full-time employees covered by the company’s general policy, nor insured by the temp agency, these workers could pose an additional risk.

Employers and long-term temporary staffing

Temporary employees are different from “leased employees” however, and their distinction matters for purposes of workers compensation coverage. To the client company, the temporary workers are usually considered independent contractors. To the leasing company, they are actual employees.

The leasing company being the one to receive the temps’ time sheets and cut their paychecks typically evidences this. When the placement is for a few days, a few weeks, or even a few months, this demarcation seems clear to everyone. But what happens when the placement occurs for more than a few months? Can the client company still treat long-term temporary workers as independent contractors, or do they become permanent employees?

There is obviously a lot to consider and a lot at stake. Temp agencies need temporary staff insurance to protect their interests and those of their workers, but there are layers to the types of coverage necessary to fulfill all aspects of the business. Speak to an agent knowledgeable in staffing insurance for more clear and concise answers.

Building an Effective Commercial Package Policy in Carmel

Most successful business owners will tell you that having the right insurance coverage can be the difference between protecting your business from common risks that exist or exposing yourself to liability issues. For a lot of small businesses, happy with a standard package of liability and property coverage, a Business Owners Policy, also known as a BOP, offers exactly the type of coverage they want and need.

But for some, having a company that is quickly growing in size, and perhaps expanding in the types of services they provide, and realizing that they may soon be facing additional risks due to the type of business they perform, they might be better served by purchasing a commercial package policy in Carmel, or CPP insurance.

A CPP offers options uniquely different from a BOP

The type of protection offered through a BOP includes the property you currently own, lease or rent. Companies that sell business insurance offer policies that combine protection against all major property and liability risks in one package. While you could purchase these coverages separately, by getting it all in one package, as do many small and mid-sized businesses, you can save money and still have better than adequate protection in place.

The general liability portion of your policy covers costs related to litigation and court judgments in the event you or one of your employees are sued. You also have the option to add additional coverages you may wish to purchase, such as cyber coverage if your business is responsible for private or confidential customer information.

Like a BOP, CPP insurance enables you to bundle various types of coverage within a single policy. However, a BOP does have certain limitations because it’s designed for certain types of small businesses, and covers fewer risks, as where a commercial package policy in Carmel is made available for a more diverse group of businesses. A CPP can be customized to meet the specific needs of your company.

You may wish to add a wider range of coverages to your CPP, including inland marine coverage, EPLI, or umbrella coverage in line with specific exposures you want to address. Speak to an agent about the options available under this flexible insurance package.

Freight Brokers, Goods in Transit, and A Transit Insurance Policy

As a broker, you want to provide your clients in the transportation industry with the proper transit insurance coverage they will need when moving merchandise and cargo from one destination to another for their customers. You understand their need to protect the goods of those entrusted to them so that they reach their destination safely and without incident. Any loss, damage, or destruction of goods can be very costly to those you service, not only for goods that are lost or late but also for future business since their reputation is also at stake.

Whether their clients are looking to insure a single shipment or the goods in question require a commercial shipper, freight forwarder or logistics provider needing to cover multiple shipments, you need to determine the best transit insurance policy that will specifically cater to those needs.

Goods in transit require a special rider

Goods stored in a warehouse require one type of policy while inland marine coverage is necessary to cover the insured’s property while in transit over land from one location to another. Not having this policy increases the risk that, were something to go wrong, whether while traveling on a truck, train, ship, or other vessel, the coverage in place, if any, might be insufficient to cover the cost of any losses that might be incurred.

Organizations that are in high-risk industries and those that are developing have expanding needs that need to be met. Those that haul perilous items or dangerous materials have a necessity to protect their business resources and stay in compliance with liability prerequisites, law and regulations. With regards to business planning, goods in transit insurance policy is a crucial part of the plan that must be addressed.

You want your clients to have the peace of mind knowing that their responsibility for any shipment they have taken control of is properly protected by a top rated cargo insurer with the broadest coverage options, highest financial ratings, and claims payment stability. There are reputable insurance agencies available that are proud to offer a primary transit insurance policy from “A” rated insurers, who specialize in this unique type of policy.

Finding the Best Commercial Business Insurance in Austin

Running a business is all about enriching the lives of customers and clients, being profitable and insuring against risk. The fact is that most businesses face some type of liability concerns. General liability coverage is essential as it protects your business from claims of bodily injury, whether these claims come from an individual or a business enterprise.

A claim against your company can have a dramatic effect on your bottom line, whether it derives from medical costs or damages incurred to another’s property. Austin Commercial Business Insurance solutions are designed to cover these losses and other issues related to the running of a business.

Specific forms of coverage

Anything that you can be found legally liable for can be covered with the right policy.

Your insurance will cover the costs of any subsequent claim and related medical expenses up to your general liability policy’s limits. Whether an injury is the result of a product, packaging, personal contact, or other issues related to your business or property you can insure these exposures.

Property damage can cost a person or organization quite a lot in terms of revenues, particularly when it results in downtime to recover from that loss. Physical damage to a person or object is just as insurable as damage to reputation. If a client or someone visiting your office overhears a conversation in which they are being slandered they can lodge a suit against you or your company. Again, your business liability coverage should cover claims, up to the limits of the policy, and pay defense costs for you as well when necessary.

These are serious issues that shouldn’t be overlooked or taken lightly. You need to adequately protect your business by taking the time necessary to assess all of the risks that you may face. Austin Commercial Business Insurance policies are available to cover your equipment, real property, buildings, inventories, and other business assets.

Securing the right amounts of coverage can help to keep your business successful. Not doing so could very well end up crippling your business. Carefully consider the various types of insurance available to small businesses with the help of your insurance agent.