Top Perks and Insurance Types To Consider Including in Employee Benefits Packages

If it’s been a while since your business revamped its employee benefit package, you may be wondering what to include in the package’s next iteration. Before you finalize your plans, make sure to take these top perks and insurance types into consideration for inclusion in the package.

Consider Providing Employer-Sponsored Insurance Plans

One of the most important benefits you can provide your employees is employer-sponsored insurance. If you don’t already include some sort of insurance plan as part of your standard benefits package, you may want to add in some of the most commonly sought-after insurance types to help draw in top talent.

  • Life insurance
  • Health insurance
  • Vision and dental insurance

Include a Range of Popular Modern Perks To Sweeten the Deal

Beyond the basics, your company may want to include a number of other modern perks to help sweeten the deal for current and would-be employees. For example, many employees enjoy receiving extra paid time off. Some additional benefits you could add in include:

  • Gym memberships or discounts
  • Unlimited sick leave or paid time off
  • Office snacks and other refreshments
  • Regular company retreats

If your company is in the process of putting together an upcoming employee benefit package, make sure to include both critical insurance and some popular perks. This checklist can help make the process as simple as possible.


When Can a Taxi Driver Refuse To Provide Service?

It seems straightforward enough: Taxi drivers are supposed to pick up fares and relay them to their stated destination. However, there are times when doing that will seriously inconvenience a driver or possibly put them or the rider in harm’s way. Here are some times when a driver can — and cannot — refuse a fare.

Driver Rights

Being a service provider doesn’t mean you have to accommodate everyone all the time. As a taxi driver, you have the right to turn down fares that:

Come in at the very end of your shift

  • Are carrying anything that might damage your vehicle
  • Refuse to stop eating, drinking, or smoking
  • Will take you outside of your service area
  • Act disruptively

Passenger Rights

Taxi passengers also have rights and should be made to feel safe and respected during their rides. They have the right to:

  • Have  the radio or temperature adjusted
  • See the rate calculator and driver ID during a ride
  • Specify the route the driver takes
  • Have a wheelchair loaded into a taxi if it is an accessible vehicle

Just because you hail a cab, it does not mean you are guaranteed a ride. At the same time, a driver can only refuse service under certain circumstances. Both drivers and passengers should know and understand their rights when it comes to taxis.


How To Use KPIs in Your Insurance Website Performance Evaluation

Having an attractive insurance company website is important, but having an effective and usable site is arguably even more critical. With that said, how is yours performing?

If you do not know the answer to this question, then there is a possibility that your marketing efforts are in trouble. However, it is never too late to begin an insurance website performance evaluation. To start, you need to develop some key performance indicators that will help you measure.

Monitor Revenue-Based KPIs

Without a doubt, your revenue-based KPIs are going to be some of the most meaningful. To gather a decent understanding of how your site’s ads and other website finances are going, take look at the Cost Per Acquisition, Customer Lifetime Value and Marketing Channel Return on Investment data.

Keep Track of Social KPIs, Too

Revenue is undoubtedly important, but it is not everything. You learn about engagement by closely following the Engagement Rate, Brand Mentions and Monthly Audience Growth rate. If any of these numbers are lower than you were hoping for, try not to let it get you down. Instead, see it as a learning opportunity.


By regularly monitoring your insurance website’s KPIs, you can ensure that you are delivering what your customers are looking for. At the end of the day, that is what will make or break the success of any company.


Find Excellent Resources for Your Staffing Agency

If you manage or operate a staffing agency, you know the value of being able to access various resources that help to keep things running smoothly. There are so many things to consider when recruiting talent or filling an available position, and utilizing available resources can help you to do so with more confidence.

Know What’s Available

Staffing agency resources can help you with things like finding a background screening company for applicants, establishing employee benefits and EAP programs, and staying on top of industry best practices. They can also give you a better idea of what the top staffing agencies are doing – such as what kind of programs they’re initiating and how they are maintaining company recruits.

It’s important for staffing managers to have a good grasp of all programs that are available for this very particular niche in the industry. The more resources you have, the better you will be able to find qualified recruits and to satisfy employer needs for competent, talented workers. In short, having access to a comprehensive list of staffing agency resources will help you to do your job better and with more success!

Staying abreast of changes within the staffing industry allows you to have a thorough understanding of how to best run your staffing business.


How Many Hours Can a Commercial Truck Driver Work?

Every year in the United States, approximately 500,000 trucking accidents occur. To regulate how much a commercial truck driver can work, the United States Department of Transportation set regulations to ensure that truckers are not overworked and don’t become a danger to themselves and other drivers.

Work Vs. Duty Periods

Commercial truckers do not follow conventional work hours, so the Department of Transportation breaks a driver’s time into work and duty periods. A work period, which is seven days longs, is similar to a traditional work week, while a duty period is more like a workday. So, how many hours can a truck driver drive during those periods? All regulations are based on the number of total hours worked and not on a specific number of hours worked during a day. A commercial truck driver is allowed to work up to 60 hours in a work period.

The 14-Hour Rule

Drivers can work for as many as 11 hours during a duty period, and each duty period can only last for 14 hours. However, after eight hours of continuous driving, the driver must take a 30-minute break, which will be calculated as part of the duty period.

Commercial truck drivers must follow complex regulations set in place to give truckers the break they need to protect themselves and others.


Treating Safety as a Product

When workers are injured on the job, they suffer physical harm, while at the same time their employer suffers an economic one. A claim against an employer’s workers comp coverage in California can raise the employer’s rates for three years or more. By far the best option for both parties is to avoid the injury in the first place.

Make Safe Workplace Practice the New Normal

The best way to avoid workplace injuries is by creating a culture of safety, where a safe, healthy work environment is treated as one of the business’s essential outputs.

  • Start at the top with the management team. Supervisors need to go beyond lip service and set an example through everyday action.
  • Focus on executing, and rewarding, safe practices, not just punishing bad ones.
  • Clearly identify the right (safe) way to do every task and periodically check that people are following through.
  • Set incremental goals for the organization. The ultimate goal is zero claims, but you might have to start with something smaller but still tangible, like identifying and improving a risky area of operation.
  • Make smart use of technology wherever possible, so you can track behavior and outcomes as closely as possible.

No one wants a workplace injury. By combining a robust body of safety data with new technology and proven management techniques, you can exert more control over whether they happen and avoid more workers’ comp claims.



Investing in Contingent Liability Coverage

If your business performs work or manufactures products that are then sold for use, chances are you could use indirect liability coverage. Also called third-party liability sometimes, this contingent liability insurance policy is designed to protect you from liability exposure when a third party faces losses due to issues like design flaws or substandard workmanship. This coverage can be quite important in the event of an incident like a manufacturing recall, and understanding your exposure starts when you open dialogue with an insurer who really understands contingent coverage.

Contingent Liability vs. General Liability

Many general liability policies carry some contingent coverage, but relying strictly on the coverage in a general policy can be costly. Some business models have no need for extended contingent coverage, but the ones who need it can not afford to go without. General liability policies have limits for each type of liability covered as well as the overall policy, so it is possible to overextend yourself paying for policy maximums that truly protect you in each area. It’s a lot more cost effective to shop for a median coverage option in the general policy, then extend the coverage needed in each area with products like contingent liability insurance. Most businesses only need to extend liability protection in limited directions with this approach, maximizing the cost efficiency of both policies purchased.


The Importance of Premises Liability Coverage

Every business must assess its current level of exposure for premises liability claims and implement an effective risk management plan. It is imperative that they procure comprehensive premises liability insurance. This vital coverage can address claims by individuals who sustain bodily injuries while they are present at a business’ property.

Duty of Care

The foundation of the legal concept of premises liability is rooted in the concept of a duty of care. All property owners have a duty to maintain their properties in a way that prevents hazards which could cause injury. This duty is particularly important for businesses who open their doors to the general public.

Even businesses that do not accommodate customers onsite could potentially face a claim for premises liability. Employees, guests, or vendors could suffer an injury while onsite at a business.  In essence, most businesses will likely need coverage for premises liability.

Examples of Breaches of the Duty of Care

Examples of oversights in maintenance may include failure to keep an area free of trip hazards or not remedying loose railings. If a company knows of these types of conditions or should have known of them, their inaction can result in a legal claim.

Businesses’ commercial insurance packages should include a policy that covers premises liability. This coverage can protect a business against serious liability.


Types of Pawn Shop Insurance Programs

Pawn shop owners make a living by their ability to quickly determine the market cost of items such as jewelry, firearms, tools, electronics, and vehicles. They don’t need to be reminded of the worth of their property; however, many are unaware of the value of pawn shop insurance programs. Here are some of the policies available to them.

General Liability

General liability insurance is the most basic type of coverage that any business should carry. It prevents unexpectedly large bills due to the following occurrences:

  • Accidents at the pawn shop that cause bodily injury or personal property damage
  • Legal claims such as libel, slander, and copyright infringement
  • Lawsuits for false advertising

Property Insurance

Commercial property insurance covers pawned items and the building that houses and sells them. Besides reimbursing for the theft of merchandise, most policies also insure items lost or damaged due to the following incidents:

  • Fire and explosions
  • Burst pipes, excessive rain, or other weather events that cause water damage
  • Vandalism to the outside or inside of the store

General liability and property coverage are two standard types of insurance that pawn shop owners can purchase to protect their businesses. Talk to your insurance agent about these and other coverages, including workers’ compensation, professional liability, and commercial vehicle insurance.



Health and Wellness Program Objectives for Police Departments

Law enforcement personnel have to contend with a lot of physical danger, and the day-to-day demands of their job can take a toll on both their physical and mental health. A program geared towards promoting health & wellness for police can offer several key benefits.

Reduce Stress

The stress involved with police work can put officers at an alarmingly high risk of developing chronic health conditions. Resources to lower stress can help people avoid high blood pressure and weight gain.

Enhance Physical Wellbeing

Program offerings should emphasize the value of physical fitness. Officers who have a healthy body weight and good muscle tone can perform the physical tasks of the job with less risk of injury. Some program features to promote exercise can include exercise initiatives, fitness memberships, and nutritional counseling.

Have Access Mental Health Support

Some of what officers have to face in their work can be emotionally disturbing and even traumatic. A wellness program should facilitate access to various levels of support and counseling. Making these resources available and encouraging officers to take advantage of them destigmatizes the need to seek treatment for mental health.

A program to advance can help a department become healthier, happier, and more productive. Offering this type of program is an excellent way for a department to show its officers that their wellbeing is a priority.