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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.

 

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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.

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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.

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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.

 

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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.

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3 Ways Every Business Can Benefit From Sales Intelligence

Busy businesses don’t always have the time to figure out what is and isn’t working when it comes to the way customers interact with their products and services. While collecting data about business prospects is relatively easy, interpreting said data and using it to make changes within the company can be a tricky task.

Sales intelligence is a great way for businesses to collect and analyze data about their sales and business operations in one simple place. Here are 3 ways in which every business can benefit from sales intelligence.

Personalized Customer Support

Through analyzing data about customer interactions and experiences, your company is able to better personalize your business-to-customer relationships. This helps to create better customer outreach initiatives and better customer service as a whole.

Automated Sales Processes

Sales intelligence frees up a significant amount of time for your sales team by automating many sales processes. This allows your sales representatives to focus on the things that matter most to your busy team.

In-Depth Analysis

The data analyzed by sales intelligence goes deep. This report can help to identify certain trends or patterns within the company, making for a more effective business.

Nearly every business has long-term goals of growing and making a significant impact on their industry. With the time, money, and effort saved by sales intelligence, this dream can easily become a reality.

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How the Healthcare Staffing Industry Has Changed in 2021

It is hard to deny the impact the novel coronavirus had on the planet throughout the course of 2020. While daily life was uprooted for most people, COVID-19 also created a serious demand for healthcare workers. In fact, the need for professionals in this industry skyrocketed as 2021 kicked into swing. Understanding the current trends in staffing can be very helpful if you run an employment agency that specializes in healthcare employees. Review these tips to learn more.

The Impact of Trends

As the owner of a staffing agency in the healthcare industry, it is your job to match workers with appropriate clients. However, the needs of businesses in the world of healthcare are changing at a rapid pace. This means you absolutely can benefit by reviewing the latest healthcare staffing trends in 2021. Knowing what moves business owners are making in order to serve the needs of patients can provide you with invaluable insight on how you should be conducting operations. Other points that you should consider can include:

  • Workers specializing in travel
  • COVID and non-COVID care
  • Temporary physicians

Review Your Options

By taking time to focus on the latest trends sweeping your industry, you can do your part to improve how your business performs. Learn more about current industry shifts and stay on top of your game.

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Photography Insurance Is Important

Insurance for photographers is designed to financially safeguard your company against stealing, property damage, and client lawsuits. Photographer insurance is available in a variety of forms. Your policy and coverage provider will determine which type you require or prefer, as well as what is covered.

Why Do You Need Insurance?

Photographer insurance safeguards both your professional and personal possessions. Could you, for example, be able to replace all of your equipment if your studio was broken into and everything was stolen? Would you be able to cover an expensive item that was ruined after a rowdy guest kicked over your equipment? What if a family comes to you and asks you to pay for medical bills related to an incident that happened in your office?

What Types of Insurance Are Available?

This is dependent on the structure of your company and what is protected by the insurance coverage you already have. However, here’s a quick rundown of the various policies you might choose.

  • General liability: Protects you from third-party claims for bodily harm, damage to property, or medical expenses
  • Errors and omissions: Helps protect you and your employees from substandard work
  • Property insurance: Protects you against damage done to the building
  • Equipment insurance: Covers the cost of replacing or repairing your equipment if it is damaged or lost
  • Commercial auto: Protects against accidents on the road
  • Disability insurance: When you’re unable to work or make money because of a disability, you will be compensated for your missed salary

Having photographer insurance is an essential part of your photography business. Consider the types available and be sure you’re covered.

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Why Growing Businesses Need Manufacturer’s Insurance

For small business owners, running a manufacturing plant is no small task. Overseeing the production of goods while tending to employee needs is an ordeal in and of itself. While manufacturers insurance is a good thing to have no matter the company size, it becomes even more of a necessity the larger the business is. Here are two good reasons why your plant needs insurance, especially if it is in a phase of growth.

Your Employees Are Safeguarded

Though it varies by package, insurance for your plant can include workers’ compensation in its coverage. This means if any of your workers are injured on the job, they can still receive wages and/or their medical expenses are covered. By investing in manufacturer’s insurance, you are casting a safety net for your workers in case something goes awry.

Goods Are Protected

If there is a production halt and your plant is unable to produce goods for some reason, there is a solid chance the right coverage can help. Insurance could reimburse you for unproduced goods due to a business interruption, supplies that were damaged in transit, or anything in between. There are many different options that can help your company stay afloat in case of a crisis.

As your manufacturing plant gets larger, its needs will also grow. Ensure that you protect your employees and your business by investing in an insurance package that best fits your company.

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What Construction Companies in California Need To Know About Insurance

Operating a construction company comes with a number of inherent risks. Naturally, one of the best solutions for addressing these threats is by taking out appropriate insurance. To achieve this, business owners must first take time to review various points like state regulations and the financial costs associated with certain policy options. If your business operates in the state of California, for example, then you have to be mindful of the standards for general liability. Review these tips and make the right choice for your business.

Review General Liability Coverage

The first thing to know about construction company insurance costs in California is that you will benefit most by taking out a general liability plan for your contractors. The risks of your industry can pose some significant obstacles. By having an insurance plan in place for your contractors, you can do your part to reduce the odds of an accident leading to major financial and legal consequences. In addition to this type of coverage, you can also benefit by exploring options that meet the particular specifications of your business. These options can include:

Understand All of Your Options

By taking time to review the laws and regulations of your state, you can improve the odds of taking out an insurance plan that meets the demands of your industry. Look over your options and see how to put together a policy you can feel confident in.