Are You A High Risk Driver?

MF 3045443A “high-risk” driver is generally defined by the insurance companies as someone who has a higher risk of having an auto accident. Auto insurance companies often see high-risk drivers as undesirable, as they may end up costing a great deal in claims.

Why you may be defined as a high risk driver?

You have multiple accidents or tickets during a specific period of time.

You have a DUI.

You have a serious violation.

Any accident that results in a fatality.

Driving without a license.

Driving without insurance.

You drive an exotic car.

For whatever reason, your auto insurance has lapsed.

How to get auto insurance if you are considered high risk

You may need non-standard insurance.

SR-22 insurance for specific situations.

Allow your agent to shop auto insurance for you.

Determine what auto insurance discounts you may be eligible for.

Improve your driving skills.

Consider a lower risk car.

Workers’ Compensation Best Practices

business-894846__180As a business owner, you go to great lengths to provide a safe working environment for your employees. But when dealing with humans, accidents can happen and Workers’ Compensation Insurance can help. Workers Compensation Insurance should be an important part of your risk management program.

What is Workers’ Compensation?

Workers’ compensation insurance is insurance that provides lost income, medical benefits, disability benefits, and rehabilitative services for workers injured on the job or while performing work-related duties.

Why Your Business Needs Workers’ Compensation Insurance

When one of your employees gets hurt on the job or has a work-related illness, only workers’ compensation will cover them. Health insurance benefits will not provide coverage for on the job injuries.

What Is The Best Way To Keep Costs Down?

Provide training for hazardous work, especially for new or inexperienced workers.

Enforce safety rules and practices.

Enforce drug and alcohol rules.

Require safety equipment to be worn at all times.

Keep work areas clean.

Do not wear loose clothing or jewelry around machinery.

Where required, you must wear protective equipment such as goggles, safety glasses, masks, gloves, hair nets, etc. appropriate to the task.

Safety equipment such as restraints, pull backs, and two-hand devices are designed for your protection. Be sure such equipment is adjusted for you.

Do not ever remove machine safety guards.

Develop a system for reporting unsafe practices.

Have monthly safety meetings that review safety issues and related topics.

Create accident investigation procedures that focus on prevention and change.