Retroactive Assistance for Liability Claims

The claims process for many liability insurance plans is limited to the reporting period for which the policy is written. Therefore, coverage could be extended to claims that are made within an active policy and denied if filed after the coverage period has expired. However, there are some industries or professions where claims may arise long after a policy has been active, leaving an individual or company responsible for the costs of resolution. Rather than take chances with this exposure, the team at recommends that those who purchase liability insurance strongly consider including prior acts coverage.

Understanding Prior Acts

Including prior acts in the policy allows claims to be made for insurable events even if the act occurred prior to the origination of the current policy. For example, a surgeon has just changed providers for his malpractice insurance. However, a claim arises from an incident that happened eight months ago. Prior acts coverage could allow the current policy to be retroactive in addressing the situation.  Insurance providers will usually establish a retroactive date that determines how far back coverage may be extended. Coverage areas may include:

  • Legal assistance cost
  • Actual or simply alleged negligence
  • Claims and damages
  • Personal injury

The extent of a policy’s terms and coverage is determined by need and what the provider allows. If you are in the process of switching providers, don’t forget to check on potential prior acts inclusion.


Why Protection for FlatBed Trucks is Important

If you own a trucking company or a truck that has a flatbed, it is important to have the right kind of protection for this vehicle. Having flatbed truck insurance is necessary since these trucks operate differently from the majority of others you’ll see on the highway. Here is why it is necessary.

Flat Bed Truck Coverage Offers Greater Protection

Because flatbeds do not have enclosed space, it goes without saying the liability is greater on these vehicles. It is easier for items being transported to fall off. Because of this, a greater level of protection through flatbed truck insurance can offer your vehicle the coverage necessary to avoid problems if an accident occurs on the highway, according to Gain Insurance.

Having Insurance Protection Saves Money

Having insurance coverage on a flatbed truck can save money if an accident occurs. You or your company won’t be scrambling to cover costs associated with the accident, regardless of who you owe money to. It pays to have peace of mind and avoid problems related to a lack of insurance coverage by having the protection you need.

Having flatbed truck insurance protection can keep you and your company safe. It can save money and provide protection in the event of an accident.


What Is Owned Auto Coverage? Do You Need It?

The world of business insurance is complex, and unless you work with a provider who commits to auditing your insurance needs and providing comprehensive coverage for all the areas of exposure in your operation, it can be hard to know you have all your bases covered. Even if you’re working with a provider who advertises comprehensive assessment, learning about the risk for yourself is vital to performing oversight on your policies, comparing quotes across providers, and identifying when future expansions will increase your insurance costs by adding new avenues of risk. Owned auto insurance is one vital area that affects companies in a lot of different industries, as explained by World Wide on their site.

Owned Auto Coverage Explained

When your company owns a vehicle, employees with the proper credentials may be tasked to drive it. This makes your insurance needs a little different from those of a family where one individual makes the vehicle purchase and a very limited range of regular drivers has access to it. Your coverage needs to include commercial liability protections that individuals do not necessarily need, as well as protections for injury to employees tasked with the use of the vehicle, as well as the basic liability coverage options needed for all vehicles. That’s why it’s important to work with a provider who really understands owned auto coverage and the different needs of small businesses with vehicles for a variety of uses.


Winter Problems for Marina Docks

Since marinas sit on the water, winter poses some interesting risks for them. The cold weather affects more than those in the northern states. Further south, businesses need coverage for marina dock to help protect against the risks posed by the harsh winter weather.


Ice in freshwater is different than that in seawater. When seawater lasts for more than one freezing season, it is more like brittle freshwater ice. The crushing strength of freshwater ice is higher than saltwater ice.


Beyond ice, supercooled water can instantly crystalize should it be disturbed. This means that it can block connections or cause vessels to instantly become stuck in ice. Supercooled water happens when the temperature drops quickly without surface ice forming. As referenced at, comprehensive insurance protection addresses many of the issues facing marina docks.


Each cubic foot of snow weighs about 20 pounds. While the added weight may only be temporary, it can cause problems for those electrical connections and utilities beneath the water. The dock system itself can twist and break under the added weight. A long snowstorm can extend the effects of the snow weight.

Understanding the effects of the winter weather can help you protect your marina. Have coverage for a marina dock that helps you protect your business from the unexpected.


Can Late Fees Ensure Your Rental Income?

When you own a rental, you want to be able to make money off of it. The only way to earn income from your building is to collect rent. Here is how you can make sure that you receive payment and deter nonpayment.

Late Fees

A late fee for rent is a great way that you can deter tenants from paying late, according to the experts at Now, in most cases, you should have a grace period for your tenants. Normally, you would ask for money on the first but give the tenant until the fifth before you charge a late fee. Late fees should make sense to the rent that the tenant pays. Some states require that you charge no more than a certain percentage, four percent, for instance.

Partial Payments

To accept partial payments may provide you with a means to collect all of your rental income. If your tenant faces financial hardship but it is only a temporary hardship, you can set up an agreement for him or her to pay you in multiple payments.

The best-case scenario is that your tenant will pay the rent on time, every time. Sometimes, this is not the case, however. When your tenant does not pay rent, you have to have a way to earn your rental income.


Realtor Terminology You Should Know

Buying a home is a perplexing process, especially with the foreign terminology and processes that you have to learn. One thing that many people can be confused about is a PUD vs HOA and how they are related to one another. Let’s take a quick look to review these terms with the help of information provided by Kevin Davis Insurance.

What’s The Difference?

A PUD, or planned unit development, is a planned community of detached homes and townhomes. The owners of these units have complete control over the land their home sits on, such as the backyard, and are responsible for those areas. They are also part of an HOA, or homeowner’s association. Owners pay fees to the HOA so that the association can maintain the common areas, such as pool and walkways.

For individuals interested in purchasing a townhome or condo, it’s important to consider whether the home is located in a PUD and also what the HOA fees include. Not every townhome or condo is part of a PUD, but your realtor can help you find one that suits your needs.

Review Your Terms Before Beginning Your Search

Before you look for a house, it’s a good idea to review the difference between a PUD vs HOA. That way, you can know what those terms mean when they come up in your search.


4 Common Misconceptions About Social Workers

There are many common misconceptions about social workers. With a solid social work liability insurance policy, those in the field can protect themselves from the daily risks they face. Here are some common misconceptions everyone should know about social workers.

Mental Health

Social workers are an essential part of the mental health services provided in America. In fact, they may be the only mental health professionals in underserved areas. According to David Sayles Insurance, difficult clients and issues are common in the field.

Prioritize Outcome

The field isn’t known for its high incomes, but most social workers go into the industry to help people. They want to see positive outcomes and feel like they are meaningfully contributing to their communities and society.

Work Day

Most social workers do not work a standard 8-hour day. Many of them complete paperwork at home, spend more time in the community and attend court hearings.

Location Variability

The field is diverse and broad encompassing more than just individuals. Social workers may operate in government agencies, nonprofit agencies, schools, hospitals, universities, and corporations. Many stay politically active at the local to national levels focusing on positively impacting adults and children.

With all the good work done, mistakes still happen to make social work liability insurance a necessity. Protecting yourself against the financial loss associated with a lawsuit allows you to focus on helping those in your community.


Make Your Business Thrive With the Right Insurance Plan

No two coin-operated laundromats are the same. Insurance should be personalized to every establishment to ensure that owners and employees get great coverage without paying for unnecessary benefits. Rather than purchasing typical business insurance, you can find an insurance plan designed for your industry and tailored to your needs.

Premium Risk Coverage

Coin-operated laundry insurance offers a wealth of options, such as:

  • Auto coverage for business vehicles 
  • Backup for water 
  • Workers’ compensation 
  • Employment practices liability 
  • Umbrella liability 

A comprehensive insurance program can give you peace-of-mind that every aspect of your business is protected in case of an emergency. Even one malfunction or accident can threaten an enterprise, so it’s wise to manage your risks sooner than later.

Rewards for Five Star Service

Business owners who go above and beyond can qualify for laundry insurance, which keeps premium costs down. The experts at, for example, offer competitive rates from top carriers because they vet applicants for people actively involved in their enterprise.

Coverage is available in every state so there’s no excuse to get started investing in the laundromat that you proudly run. Policyholders gain the convenience of fast claim processing to help their business stay on track.

Eliminate the hassle of overspending for poor coverage. Customized laundry insurance can give you “all-lines” protection from one quality carrier.


Cannabis Against Pain

If you think that cannabis only has a place at rock concerts and in movies starring Cheech and Chong, put those stereotypes aside. While it’s true that yes, there is a demographic for that audience, cannabis and cannabis oil is being celebrated in the 21st century for more than a way to get high: There are so many medicinal uses that it might shock you.

Oils and Salves

You’ve heard of rubbing Icy-Hot or Aspercreme on aching muscles and joints, but if you check out the data found on the website for King Harvest you can see the multitude of medical uses of cannabis oil. Cannabis oil, when used as a salve, can be rubbed onto the skin and seep through the pores and into the bloodstream, carrying the healing effects throughout the body and easing the pain quickly.

Flower and Bud

Traditionally smoking is associated with the cannabis flower, and if you want to relieve pain this way then it’s as easy as loading a bowl or smoking a joint. CBD, the healing chemical in marijuana, can help ease pain like nausea, migraine headaches, and even epileptic seizures. CBD has no psychoactive effects and will not give you a high, but THC does and when used in combination with each other, CBD and THC can be a pretty strong force against pain.

Let your prejudices against the herb be put aside. Science is proving that it helps ease pain and the natural route is usually the less risky one.


3 Tips for Improving Your EMR

Workers’ compensation coverage helps by replacing lost wages and paying medical bills of employees who are injured or contract an illness on the job. If you ask the experts at, “How do I find my experience modification rate?” they will tell you it calculated using both the classification rate of jobs on your payroll and the claims made on your policy. You can’t do anything to change the inherent risk of the tasks required to perform a job, but you can improve your EMR with increased safety measures.

  1. Implement Safety Training

Every employee should have a thorough knowledge of safety procedures that are relevant to the job. Regular training and adequate signage can keep employees up-to-date on protocols that reduce injuries and thus the number of claims.

  1. Form Safety Committee

While some jobs are more dangerous than others, every worker faces risks. Forming an employee-led safety committee can give them a sense of ownership in keeping the workplace safe.

  1. Improve Work Conditions

Old equipment can pose a safety hazard. Regular inspections and upgrades can alleviate some of these dangers. When injuries occur, evaluate the situation and look for ways to improve conditions.

Even jobs with higher classification rates can be made as safe as possible. Improving the safety of your workplace can lower your EMR and thus your workers comp premiums.