Defining Workplace Accidents

Though employers and employees may strive for an accident-free work zone, incidents still happen that cause injury, illness, or death to team members. These unexpected events that take place during a time of work-related activity or duties completed on the clock can be termed an occupational accident.

Various Conditions and Exposures

Though employers are generally required to carry workers’ compensation insurance as protection from the liabilities of work-related accidents, there are some companies that prefer to purchase occupational accident insurance instead. Those in the trucking industry have a particular interest in this form of coverage. Accidents in the workplace could include the following, though illnesses and diseases may also be considered an occupational incident:

  • Muscle strains
  • Slips, trips, and falls
  • Injuries from falling objects
  • Collision or crashes
  • Toxic fume inhalation
  • Lacerations or cuts

Preventative Measures

Proactively addressing situations or liabilities in these areas can reduce the likelihood of an accident. However, prevention doesn’t reduce the need for insurance coverage. Carrying workers’ comp or occupational accident insurance is one way to limit the financial impact of a workplace injury. Implementing safety training, conducting safety audits, and creating incentives for employees to take responsibility of workplace safety are all ways to lower the risk of an incident.

In the event of an occupational accident, the right insurance plan will address the medical costs associated with the employee’s healing or rehab, as well as pay for part of any disability benefits that may arise from the incident.


There’s Insurance for That

Are you feeling overwhelmed at the prospect of finding the right insurance solution for your needs? You’re not alone. A quick check of insurance companies in San Pedro reveals a broad array of insurance coverage types. Most people are familiar with the more common types of insurance, such as life, health, auto, homeowners, and renters coverage. However, there are far more offerings of insurance plans to be found.

 It’s Not Personal, It’s Business

Business insurance can cover nearly every aspect of a company’s operations:

  • Workers’ compensation insurance
  • Commercial property insurance
  • General liability insurance
  • Key staff insurance

 It’s Not Business, It’s Personal

If you’re interested in covering aspects of your personal life, there are insurance products for that as well:

  • Disability insurance
  • Long term care insurance
  • Funeral or final expense insurance

 It Isn’t Personal or Business — It’s Special

In addition to the types of insurance listed above, companies offer insurance products for a wide variety of specific needs, such as those identified below:

  • Insurance for vehicles used in TV shows
  • Insurance against being abducted by aliens
  • Insurance for various body parts

There are dozens of scenarios in which the appropriate insurance coverage can provide peace of mind and financial protection. Insurance companies can help you in your search for the right product.


The Benefits of a Good Group Life Policy

Protecting your employees involves a few basics, such as strong safety protocols, workers’ compensation and good health insurance. Another way to take care of them is with group life insurance coverage.

Protection Options

Your insurance company may be able to design a group life plan that works best for your employees. According to, the two main options for a group policy are term and whole life. There are several questions you can ask your agent to find the coverage that works best for your company:

  • How are the proceeds paid?
  • Who covers the premium?
  • What is the benefit amount range?
  • Does the policy offer optional benefits?

Morale Improvement

When you offer life insurance to your employees, you send the message that you not only care what happens to them but also to their families. This can boost company morale, particularly if the work your employees do has the potential to put them in danger.

Recruitment Potential

Life insurance benefits make you more attractive as a prospective employer. You are more likely to draw talented candidates. When they weigh competing offers, group life insurance coverage could put you at the top of the list.

Making sure that your employees and, by extension, their families are protected in the event of a tragedy has many benefits. Group life coverage helps you take care of the people who take care of your business.