In today’s ever changing business world, every business needs quality employees to help the business meet client demand, grow revenue, and manage risk. Today’s growing businesses need to understand the importance of an effective business insurance program. Workers’ Compensation insurance is a central part of that program.
There are at least five kinds of employees that define today’s workers.
Temporary worker–Businesses are using temporary workers at an increased rate. Employers must comply with updated labor and OSHA regulations. Temporary workers face a much higher injury rate than do regular employees.
Contractors–Some businesses use contractors to try to get around labor laws, workers’ compensation, and unemployment statutes. Both the State and Federal Governments are cracking down on these practices, and have established new definitions and guidelines as to how employees are defined.
Fist job employees–Lack of experience and training can lead to increased injury rates among new employees.
Seasonal employees–Long work hours and little to no training increases risk of injury and loss to employers.
Shift workers–If your business operates three shifts you may not have the same attention to safety during the 2nd or 3rd shift. Make sure all staff receives the same training.
According to the US Fire Administration over 400 homes are destroyed annually by causes related to Christmas tree fires. offers competitive rates on homeowner’s insurance that would cover accidental damage due to Christmas tree fires. Here are a few good reminders to help you enjoy the holiday:
Keep your Christmas tree well watered. Refilling the water every day will help it last about two to three weeks.
Check the tree for freshness before buying. A freshly cut tree will have a sticky trunk and the needles will not fall off if touched.
Set your tree away from heat vents and the fireplace. Heated air just dries out a tree, and one shooting spark can cause a disaster.
Inspect the lights. Check for exposed or worn wires, as well as broken sockets.
Turn off the lights at night; use a timer if needed.
Do not burn the tree in your fireplace.
Do not overload the electrical circuits.
Take your tree down the first of January.
We always ask about smoke detectors and security systems in your home. Many insurance companies offer discounts for those homeowners who have security systems. Here are few of the different kinds of security systems that can help reduce your home insurance costs.
Outside lights- Set these up on timers so they come on even when you are gone. Also, motion detecting lights are an excellent deterrent and can be installed at a low cost.Cameras are also a good deterrent. Place cameras around outside doors and your yard. Many home improvement stores offer cost-effective products.
Alarms are always a good idea. Alarm systems that are connected to a central station will yield the best discount.
Other Home Insurance Credits
Most insurance companies offer many types of discounts for homeowners. We are committed to keeping up on all these discounts to make sure you are getting the best coverage and price. Some of these discounts can include:
Updates in wiring and/or plumbing
Non smokers – The No. 1 cause of home fire fatalities in the United States is smoking. Smoking caused 16,000 residential fires in 2012, killing over 500 people and causing $376 million in residential property loss. Source- U.S. Fire Administration
Sprinklers- Many new home building codes require sprinklers. These can be expensive but will provide home insurance discounts.