Our Claims Advocacy Team got to sit down with a workers’ compensation claims professional who specializes in high exposure claims. They discussed a high exposure claim that wasn’t reported timely to the carrier after the incident occurred. Please Note: This article has been edited for clarification and to protect the identities of those involved … Continue reading A Fireside Chat with A Claims Adjuster
As businesses of all sizes and industries are reevaluating how they plan on doing business moving forward, many small businesses have shifted from physical retail locations to online and home delivery services. This is to keep up with customer demand and social distancing guidelines. With this shift in the way businesses are run, they also … Continue reading Hired & Non-Owned Liability Coverage
Many Human Services and Healthcare organizations rely on their staff to visit client homes, facilities, and provide transportation for clients. A strong set of controls paired with the appropriate insurance coverage can significantly lower an organization’s cost of risk as it relates to auto exposure. Setting up the right controls is largely what will determine … Continue reading Auto Exposure in Home Healthcare Organizations
Commercial Insurance is one of those things that every company has but not every company understands. In some cases, a person is chosen to be put in charge of the insurance buying process and this person is usually an HR person who has a very little understanding of what goes into the insurance buying process. … Continue reading Commercial Insurance 101: An Introduction to Insurance
Do you run a home health care agency where employees use their own car? If so, it is essential that you have a specifically designed implemented driver safety policy. Home health care agency employees often find themselves pressed for time. It would be understandable for an employee to feel obligated to drive a little recklessly … Continue reading Driver Safety Policy Options For Home Healthcare Agencies
Here are some basics as it relates to first responder drivers. Although we know much of this instinctually. Formalizing some basic risk management techniques for those who drive an ambulance or ambulette can help low your insurance costs. Further keeping these basics top of mind for your employees who operate the vehicle help keep them focused. … Continue reading First Responder Risk Management Basics
If you provide company vehicles to your employees and these employees don’t have their own personal automobile insurance policy, a potential gap in coverage exists. To adequately cover commercial automobile liability, a drive other car endorsement is specifically intended to bridge this commercial auto liability insurance coverage gap, therefore keeping you safe. Drive Other Car … Continue reading Drive Other Car Coverage Helps to Bridge Auto Policy Gap
If your organization relies on drivers as an integral part of day-to-day operations, you are probably aware of the extremely high risk that you are carrying. After all, motor vehicle crashes are the number one cause of workplace fatalities. While safety innovations continue to play a role in improving accident prevention and outcomes, fleet and … Continue reading How to Identify & Correct High Risk Drivers – An Intro to Best Practice Fleet Safety
Confused about auto insurance liability exposure? One of our most often asked questions is ;”We don’t own any auto’s , but our employees regularly drive on company business their own cars, how do we protect ourselves and our employees in the event of an accident? Ah, great question grasshopper as I try to be succinct here. … Continue reading Hot Tips On Covering Your Employee’s Business Auto Insurance Liability Exposure
