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Weighing Insurance Options in a Nonprofit Environment

Nonprofit Environment

Nonprofit organizations are an increasingly important component of the social safety net. However, they face several challenges, such as protecting their assets without overburdening already stretched budgets. When weighing nonprofit liability insurance options, it can be helpful to break coverage types into those that are absolutely necessary and the ones that supplement them. 

Types of Coverage Nonprofits Must Have

Whether required by law or as a basic minimum amount of coverage to protect the organization’s operations, certain types of insurance are an absolute must for nonprofits. These include:

  • Business liability: This covers the company in the case a claim is made against it. This will usually result from an accident or injury, but can also be related to services provided by staff or volunteers and cases of libel or slander.  
  • Workers compensation: When an employee is injured while performing their job, workers comp pay s for medical expenses and lost wages. 
  • Auto liability: At the minimum, company vehicles should have liability coverage. Additional coverage for volunteers that drive personal vehicles may also be needed. 

Extra Insurance That Fills the Gaps

There are also some policies that help fill in gaps in coverage. They may not be required by law, but are nice choices if your budget allows them. A few of the most common include coverages for employment practices, cyber breaches, and crimes committed by staff or volunteers. 

The right insurance coverages can help protect your assets and operations. This way, if claims are made against the organization, it can weather them without sacrificing its ability to offer services. 

Protecting Your Boat in the Wintertime

Boat in the Wintertime

If you’re a boater who lives in an area with four seasons, you know the importance of boat winterizing. Watercraft and associated repairs are expensive, and the damage caused by improper winterizing can be devastating and leave your boat unusable.

Dangers of Inadequate Winterizing

Failure to properly winterize your boat can result in fluid freezing and cracking important parts such as tanks and fuel lines. Freezing temperatures can also alter the chemical makeup of fuel inside your tank and create a caustic mixture that can damage your engine.

Preventing Fluid Freezing

Fluid expands as it freezes, which can result in cracked components. For this reason, fluid drainage is an important part of boat winterizing. Your engine, plumbing and water systems and drain systems should all be dried and prepped before storing your boat for winter.

Preventing Engine Damage

Adding a stabilizer to your fuel system can help avoid temperature-induced separation of fuel components and the associated engine damage. Make sure you run the engine to distribute the stabilizer to all parts of the system.

A boat is a big investment, and you don’t want to damage that investment due to negligent care. Proper boat winterizing involves a few key steps to prevent serious damage to the components of your craft.

Understanding Insurance Coverage for Libraries

Insurance Coverage

Libraries are more than just places to check out books–they’re centers for families, students, artists, and others. In order to run a successful library that nourishes your community, you’ll want to ensure that you have library liability coverage that covers all the most important areas.

General Coverage

A good liability coverage package will include general liability coverage. This can help cover costs and discourage lawsuits related to injuries sustained by anyone on the premises. Additional Good Samaritan coverage can help provide protection in the case of a medical emergency.

Technology Coverage

As technology–such as computers, printers, and digital media–become more present in libraries, your library liability coverage should reflect this trend. Good coverage will provide protection for computer equipment and data, and well as any other technology in your library.

Property Coverage

Libraries frequently bring in or lend out books, art, and technology, and as such need protection for their property even when it isn’t in the building. A thorough insurance policy will provide coverage for property that is in transit or off-premise.

Libraries differ from traditional companies in how they function, and consequently in their insurance needs. Having good library liability coverage can help you build a strong community space without worrying about your financial risks.

Why Even Professional Insurance Agents Should Consider Errors and Omissions Coverage

Errors and Omissions Coverage

Working with a variety of clients as an insurance agent can be professionally fulfilling but may also leave you vulnerable to a range of liability problems if you aren’t well insured. For this reason, you may want to consider getting E&O insurance for insurance agents. E&O insurance, also called errors and omissions insurance, can protect you from getting sued or suffering financial fallout in a number of ways.

E&O Can Encompass Several Factors You Might Not Be Covered For Yet

Even if you already have some other types of insurance available to you through your work, E&O coverage specifically can protect you from several risk factors you might still be vulnerable to. For instance, these features may include:

  • Subpoena coverage up to a certain amount
  • Worldwide claims coverage
  • Punitive coverage
  • Personal injury coverage
  • Subcontractor coverage

Most Types of Insurance Agents Can Qualify for E&O Insurance

If you’re concerned that your type of insurance work might not qualify for E&O coverage, you should know that this insurance is usually available to most insurance agents. That means you could get coverage whether you work in accident insurance, administrative insurance, health insurance, property insurance and more.

As an insurance agent, you help others protect themselves against risks and liabilities every day, so it’s important to remember to protect yourself professionally as well. By getting tailored E&O insurance for insurance agents, you can continue the work you do with peace of mind.

Improve Customer Loyalty With Email Appending

Improve Customer

One of the great things about digital marketing is the variety of communication options, but there are some online marketing channels–such as email–that cannot be ignored. Through the use of email appending services, your business can tap into this important mode of digital marketing to stay in touch with your customers.

The Importance of Email

In one survey, nearly three-quarters of adults say they prefer using email to communicate with companies. For many people and companies, email is the primary way they communicate online.

Using an Appending Service

Email appending services use the information your company already has to expand your email marketing reach. An appending service will compare the information you have about customers to a master database of emails and return your data to you with new email addresses attached.

Effectiveness of Appending Services

Emails found using an appending service are guaranteed to be 80% accurate. With these new emails, you can turn single-use customers into repeat customers and enhance brand recognition and loyalty with more points of contact.

Email is a powerful tool for marketing to customers, even those with whom you already communicate by other means. Using email appending services can help establish new points of contact with past customers and keep them coming back.

Protect Your Staffing Agency Against Unique Risks

Staffing Agency

When running a staffing agency, you have unique risks that may not be acknowledged by all insurance companies. Many people downplay the risks that staffing agencies face. The experts at https://www.wwspi.com claim that risk management solutions are the best way to address the modern challenges to staffing agencies.

Common Risks

As a staffing agency, there are three main risks. These risks include:

Your employees are essentially your product. If an employee misrepresents his or her credentials, you are liable. Likewise, if a client poses a risk to your agency, you could be liable for anything that occurs to your employee while working for the client. Since you are the technical employer, you would be responsible for workers’ compensation coverage.

Solutions to Risks

The best way to solve the problem of risk is to have a risk management plan in place. First, you need to make sure you have a thorough employee selection plan in place. Do thorough background checks so that there are no surprises. Do the same with your clients. Additionally, you should have a variety of insurance options. Workers’ compensation, general liability and professional liability are only three of the options you may need.

When running a staffing agency, you need to consider the specific risks involved with the company. A risk management plan and insurance coverage are the best protection.

Why Choose Captive Workers Comp for Your Business

Workers Comp

When you run a business, you have to consider where you’re going to receive your workers compensation coverage from. If you’re having difficulty, you may want to consider the captive workers compensation insurance.

What Is Captive Workers Compensation Insurance?

With a captive insurance solution, you and other businesses can pool your liabilities. When an employee has a workers’ compensation claim, these claims can drag on for a long period of time. Since every case is different, it can sometimes be difficult to predict what the cost of a specific claim will be. One of the reasons that companies may lean towards captive workers compensation coverage is that it can provide the business with significant tax advantages. Before claims, the carrier deducts premiums from the operating income.

What Are the Benefits of Captive Workers’ Compensation Insurance?

When you leverage captives, you can reap several different benefits. The first and most important benefit is that your loss risks are transferred to the insurance company. In addition, you can control the claims processing procedures. If your current process is difficult or complicated, you can eliminate some of the difficulties from it.

All companies need some form of workers’ compensation coverage. You never know when an accident may happen. In addition to being a necessary coverage, captive workers compensation coverage is a flexible and lower priced option.

Insurance Needs Within the Hemp Industry

Hemp Industry

The hemp industry is constantly changing and evolving, and so are the rules and regulations within the industry. For many businesses, that continued flux causes increased risk levels. Research shows that specialized hemp business insurance programs are well-suited to the increased risks of operating a hemp-related business.

Types of Hemp Businesses 

There is a variety of businesses necessary for the hemp industry to function. A few of the most common that can benefit from hemp business insurance include:

  • Growers
  • Harvesters and processors
  • Manufacturers
  • Dispensaries
  • Wholesalers
  • Distributors

Available Hemp Insurance Programs 

Some insurance programs are required by law. Workers’ compensation insurance is required for most businesses. It can replace lost wages and cover medical costs resulting from a covered work-related injury or illness. General business liability is also required in most places. It protects against claims made against the company. It protects your business in case someone claims harm resulting from product use. Product liability may not be required, but is an excellent option for manufacturers of hemp products.

Property coverage is critical in the hemp industry. It covers damage to property caused by covered events, such as vandalism, theft and fire. Crop coverage covers losses of plants, seeds, and seedlings. Vehicle and transportation coverage can pay for repairs to vehicles, reduce liability in an at-fault accident, and replace any product that is damaged or destroyed during transit.

You have myriad choices when finding the right coverage options for a hemp business. Working with an agent who specializes in hemp businesses can help make the process easier to navigate.

3 Reasons To Choose Home Health Care

Home Health Care

Choosing the best health care plan for a sick family member can be a stressful, painful, and overwhelming decision. Fortunately, home health care is becoming more accessible, relieving family members of the burden of round-the-clock care or exorbitant nursing home fees. Home health care allows families to focus instead on supporting their loved one and making them feel as comfortable as possible.

1. Lower Costs

Families usually spend tens of thousands of dollars to house a family member in an assisted living facility or a hospital suite. Home health care, however, cuts that cost roughly in half. The increase in treatment speed, decrease of in-hospital tests and procedures, and lower risk of exposure to other ill patients makes home care drastically more affordable.

2. Increased Comfort

Unsurprisingly, most patients prefer to spend their days in the comfort of their own home rather than in a hospital or assisted living facility. In addition to physical comfort, being at home provides emotional comfort in the form of a familiar environment and homemade meals.

3. Better Support

Family members are better able to provide physical and emotional support to family members who are still living at home rather than at a hospital or facility. A stronger support system benefits patients by improving their overall mood and sense of independence, which many studies suggest has a profound impact on physical health, too.

Home health care is an ideal alternative to the more expensive and less personal nursing home or hospital suite. If someone in your family is in need of full-time health care, home care allows them to live each day as fully as possible.

3 Things to Know About Employer Disability Insurance

Employer Disability Insurance

Life is full of unexpected circumstances, and unfortunately, often, when individual health is involved, there can be a ripple effect of problems. However, with short or long term disability insurance, some of those issues can be offset. Here are three things to know about short term vs long term disability insurance that will help you find a plan that fits your needs.

What is it?

If you’re a business owner, you know the importance of reducing risk within your company. While illness and injury are unpredictable, they are likely to have an impact on your business at some point in time. This is why having disability insurance is crucial for protecting your investment with essential employees if they can’t work due to illness or injury.

How to File for Benefits

Employees that may be experiencing symptoms or injury that require disability insurance, consult your physician for a detailed medical record. Then, approach your HR department for help filing a claim.

How do Payouts Work?

Most insurance plans don’t cover 100% of an employee’s salary. However, coverage will often reimburse pay up to 70% of an employee’s salary for short-term disability and closer to 40% for long-term.

Disability insurance is crucial for most businesses and is a safety feature that benefits both employer and employee. With the right plan, employees can get back to work feeling confident, and employers can reduce financial strain.