Month: June 2015
When many Tennessee drivers buy car insurance, they focus on meeting legal requirements and ensuring that their vehicles are fully protected. Many drivers overlook medical coverage, which can help pay for costs that vehicle occupants face after injuries. However, this coverage is often worth adding to a Tennessee car insurance policy because of the following benefits.
- Enhanced Personal Protection -The amount of liability insurance that Tennessee drivers are required to carry may not address the cost of catastrophic injuries. These injuries often involve prolonged medical care, surgery or rehabilitation. Medical coverage improves the likelihood that insurance will fully address the expenses that come with a driver’s injuries.
- Coverage for Passengers -Medical coverage also offers protection for passengers who are injured while riding in a policyholder’s vehicle. This can be beneficial for people who regularly carpool and people who have children, as it ensures that everyone in the vehicle receives some financial protection.
- Faster Claim Process -Medical coverage may also help people who have been injured in accidents receive payments sooner. Policyholders can make claims for medical expenses against their own insurance providers, rather than another driver’s insurance provider. This may lead to a smoother and less contentious claim process.
Exploring the Other Benefits
A Tennessee car insurance policy with medical coverage may also offer various other advantages. Drivers should consider discussing this option and its potential benefits with an insurance agent the next time that they are buying or renewing their auto insurance policies.
Aegis General is a company that specializes in insurance solutions for underserved markets and has been doing so for nearly 40 years. In addition to writing policies for manufactured homes, along with programs for low-value dwellings and non-standard homeowners, they also provide coverage for motorcycles.
Aegis MGA (Managing General Agent) is a specialized insurance agent/broker that, unlike many of the traditional agents/brokers, is vested with underwriting authority from a trusted insurer. Accordingly, MGAs of all types perform a much-needed function, ordinarily handled only by insurers, such as binding coverage, underwriting and pricing, appointing retail agents within a particular area, and helping with the settlement of claims.
Aegis works to provide services to many underserved markets
Using a targeted approach to risk and many of the exposures common to certain insureds, they’re constantly adding to their portfolio’s product and geographic diversity, which further allows them to offer surety bonds, accident and health coverage, municipality and other viable niche lines of insurance.
They understand that the insurance needs of some markets lack a strong presence. This is one of the reasons why they chose habitational and motorcycle programs, which are backed by financial strength and some very solid claims knowledge. Their municipality program is distributed through Allied Public Risk, which is a division of Aegis General and backed by Allied World, a global provider of innovative property, casualty and specialty insurance.
Typically, MGAs are involved with unusual lines of coverage, such as professional liability and surplus lines of insurance, in which specialized expertise is required to underwrite the policies. However, MGAs also write some personal lines, especially in geographically isolated locations where insurers may be reluctant to set up a branch office. The main emphasis is to ensure that the insurance needs of those living in and around these areas are being met.
These are areas where mobile homes and manufactured homes can often be found in numbers. These structures have many associated risks not found in standardized dwellings. Providing agents with the means of insuring these homeowners so that they can live with the knowledge that they are protected in the event of storms, theft, and fires, makes the Aegis MGA the type of agency partner that many agencies look to for providing the services their customers desperately need.
Running a restaurant is a huge responsibility. After all, you have concerns regarding employees, vendors, and of course the customers that either come to you referred, hot off the street looking for a great dining experience, or regular clientele that have come to know and trust your ability to serve them a good meal.
Your business is your livelihood and how it is run can be the difference between being a success and losing everything. You’ve worked so hard to build the good name and reputation of your establishment, but all it takes is just one case of food poisoning or one unfortunate accident in your kitchen to seriously damage all your efforts to grow your customer base and succeed in this very competitive business. Having a good restaurant insurance program is often the barometer of success.
Safety and training can have a huge impact
Simply following a few simple safety tips can help you to control your restaurants’ insurance costs. The result can help in reducing claims, which will put you in a better position to receive the lowest insurance rates. What’s the best way for a restaurant owner to go about minimizing the probability of having to file an insurance claim? Insurance claims can be avoided by giving attention in the following problem areas:
- Following best practices in safe food handling – The best way to avoid insurance claims related to serving food to the public is to follow simple best practices in safe food handling. Require your employees to take a food handling class. Also make sure employees where cut-resistant gloves when using knives. Stainless-steel mesh cutting gloves can help prevent cuts and injuries.
- Pay attention to employee safety standards – Keep employees safe around potentially hazardous equipment by properly training your staff and following safety standards. Invest in anti-fatigue mats. Besides offering relief to tired feet, cushioned anti-fatigue mats can also help prevent slips and falls. Restaurant workers compensation claims can vastly affect your overall restaurant insurance rates.
- Properly operate and maintain your restaurant equipment – Much of your food preparation equipment, like mixers and slicers, can be dangerous when improperly operated. Have a professional degrease your kitchen exhaust hood system every six months. Grease that accumulates in ducts, hoods, fans and vents can easily catch fire. Contact a professional to inspect your fire suppression system every six months.
Safety, maintenance and adequate restaurant insurance are three keys to success that should never be overlooked. Speak to a qualified insurer today.
Safety on the job is something that every business owner strives for in every work environment. Whether it’s an industry where there’s a lot of heavy machinery, a car dealership, or cable television installations, injuries of one type or another can occur to those in the workforce. Insurance for Atlanta companies, with employees, is required no matter if it’s merely a simple desk job or the duties of the business require wearing a construction helmet.
The importance of a good workers comp program
For all types of businesses, workers compensation insurance takes on a business’s statutory obligations for the injury or illness incurred by employees in the workplace. Having a good workers compensation claims program provides support and closure, which helps to satisfy a business’s responsibility to its workers as well. This is why enforcing safety measures, along with seeing workers compensation being utilized for those times when accidents occur, can really prove that owners respect their employees and take accountability, making employees feel like their employer cares about their safety and well-being.
Workers comp insurance premiums present a significant expense to employers, which is all the more reason to take precautions to manage the risk of injury or illness. Any way in which owners and safety managers can reduce their potential liability is a plus, and taking certain precautions to avoid any accidents on site aids everyone.
Education and training is key
When hiring new employees, read through safety guidelines and help them understand the purpose (and process) of approaching workers compensation, which is essential to success. Regular communication can make workplace safety everyone’s problem and helps find solutions to avoid future accidents. Instructing employees in specific behaviors related to specific machines, procedures, and facilities can make a difference in the outcome. For example, learning the correct way to handle hazardous materials or the operation of certain machinery can significantly reduce risks associated with those jobs.
The bottom line is that the safety of your employees should be taken seriously so as to avoid any liabilities as well as create a safe and comfortable work environment for employees as a whole. Look, sometimes accidents will happen, and whenever they do occur, someone is going to be held responsible. Insurance for Atlanta businesses can provide the best workers comp programs for a speedy recovery.
The Internet is now the primary place where people go to learn about and shop for insurance products, making it no surprise that more and more insurers are looking to bolster their presence online through company Insurance Websites. The easy part is getting visitors to your site, but the more difficult task is turning visitors into customers and creating a buzz about the services being offered.
We all know the importance of good content in order to captivate your audience and get them interested in learning more about you and your company, but in order to help raise the visibility of your agency’s website, here are a few suggestions designed to help improve your website and increase awareness of the value as well as the necessity of the products you provide.
Fonts provide a lot of visual satisfaction
Fonts can make or break a website. Using distinct and unique fonts can be quite beneficial as a way of distinguishing your agency’s site from others, as well as promotional sites and advertisements. This can truly help your visitor differentiate between sites that are, and aren’t, trustworthy.
News feed will enhance the sense of your knowledge about insurance
Adding a news feed to your Website will impress consumers by giving it an authenticity that can be trusted. Both prospects and insured’s will appreciate your ability to target market-related news of interest.
Start a guestbook and create polls and surveys
Don’t underestimate the value of adding a guestbook to your site – this is a great way to invite feedback from your visitors, including local prospects and clients. Messages left in your guestbook can provide insight into customer needs and concerns and help in developing ideas to help improve your business.
Incorporating polls and surveys into your Website will further to help you understand what the hot topics of the day are, and this is a great way to engage and connect with your visitors.
Add a virtual tour and a virtual store
Adding a virtual tour of your offices will help to familiarize new prospects with your business and professionalism. Use a series of still photos with relatable captions since they are typically easy to insert (and replace or renew). In addition they are easier for some consumers to receive than a video stream.
Employees, company representatives, and clients will appreciate a virtual store giving them the opportunity to buy agency-sponsored goods. Updating Insurance Websites can help put agencies that were once lagging “back in the game!”
Memorial Day has come and gone, marking the official start of the summer season. It’s the perfect time to review your safety procedures to ensure that your family and your guests are going to frolic in the swimming pool safely-and a great way to reduce the likelihood of a tragedy and an expensive claim on your NJ home insurance policy.
While pools bring a lot of fun to the backyard, it’s impossible to ignore that they also represent a constant and possible danger to friends, family, and neighbors alike-even to pets, who can wander too close to the edge, fall in, and drown. Here’s what to remember:
- Always use the buddy system-make it a hard rule that nobody swims solo, not even adults and certainly not children or teens.
- Never leave children unattended in or by the pool.
- Don’t rely on flotation devices to keep children afloat-keep a close watch at all times, even if they know how to swim.
- Your pool shouldn’t be easily accessible. Surround it with a fence with gates that are self-closing and self-locking.
- Doors that lead from the house out to the pool should be kept locked or, during pool use, monitored closely.
- Don’t let children play near the pool filter; children have been injured and killed from the powerful suction.
- Keep a cover over the pool when it’s not in frequent use.
- Keep pool toys and equipment out of and away from the pool so as not to encourage children to approach it.
- Inspect the footings around any slide or diving board to ensure it is firmly attached.
- Learn CPR and have a phone near the pool area in case of an emergency.
- Consider purchasing a floating pool alarm that will emit a loud warning noise if the stillness of the water is disturbed-e.g., by someone or something falling into the pool.
- When the pool is empty, keep it covered to discourage skateboarders from turning your pool into an impromptu skate park.
Talk to your professional insurance agent about other ways you can protect yourself from harm, including purchasing a quality NJ home insurance program. A good policy will offer protection from the substantial liability that stems from that blue-green oasis of summer fun.
Dentists have many concerns when it comes to the proper care and treatment of patients in their care. The real problem may lie in whether or not the dentists’ office is properly equipped to handle the treatments and procedures being administered and whether the dental staff has the required medical training to deal with the type of emergencies that can arise in the event that something does go wrong.
Even the finest dentist is at risk of a malpractice claim in today’s legal climate, which is why, as a dental practitioner, you need to have the support of an Atlanta insurance agency program that understands the malpractice risks you face on a daily basis and just what you need in order to properly protect yourself and your dental practice.
While some of them are not particularly serious or life threatening, they all may result in a medical emergency:
- Allergic reaction to anesthetic agents that could potentially be fatal
- Cardiovascular problems
- Depression of respiration (resulting in breathing issues)
- Aspiration causing choking, or
- Brain injury from hypoxia (a lack of oxygen)
Dentists need to be aware of these risks and provide the necessary solution to these issues.
Diagnostic errors are often a concern for dentists
Sometimes patients do not provide a complete or accurate medical history. If a doctor is not aware of significant signs or symptoms that the patient may be suffering from they may not be able to accurately diagnose the patient’s problem due to this lack of information.
Another issue concerns having a patient that is being treated by several different doctors. For example, there may be problems with communicating information between healthcare professionals and when each doctor has only a few pieces of the puzzle (and they don’t all communicate to put the pieces together), then diagnostic errors can occur.
Diagnostic inertia may occur if one doctor doesn’t conduct a thorough examination and creates an incorrect diagnosis list that other doctors end up following. Finally, a failure to order or follow-up on test results could also put a patient’s safety in jeopardy.
The most important way to prevent diagnostic errors is to make sure there is full and open communication between you and your patient. Tell your patient about any questions or concerns that you have. As always, an Atlanta insurance agency can answer any questions or concerns that you may have pertaining to this important coverage.
Aegis General insurance has made it their business to help agencies write policies for that most sought after client, the motorcycle rider. These two- and three-wheeled motorists have long been part of an underserved market, and because they are much more vulnerable than automobile motorists, they need to have coverage that takes this into account.
At Aegis, they write coverage for motorcyclists of every legal age and for every style of bike on the market. They really take providing coverage to heart, offering insureds a number of choices when it comes to their motorcycle insurance.
Different bikes require their own tailored coverage
Because no two bikes or riders are alike, they need someone at the helm that can tailor a program to fit their specific needs. The program provided by Aegis General insurance is written with Aegis Security Insurance Company, an A.M. Best “A, Financial size VII” rated insurer on admitted basis, and offers several different types of plans.
Coverage for Harley-Davidson motorcycles is offered through their “Harley Program”
And there is also a “Standard Program” that offers coverage for standard touring bikes, as well as coverage for touring motorcycles other than Harley-Davidson.
Depending on the type and use of the bike, additional coverages are available for add-ons as well. Finally, Aegis offers a “Special Hazard Program” which provides coverage for sport or unusual motorcycles. Coverage is also available for motorcycle equipment and accessories, including helmets, safety apparel, attached accessories (not part of the original equipment), trailers and others.
Coverage features available through Aegis
The following key coverages are available with all of their motorcycle programs:
- Collision (for damage to the bike in the event of an accident)
- Liability (medical expenses, defense costs, lost wages, and other expenses)
Other than Collision:
- Glass breakage
- Falling objects
- Fire & lightning
- Theft, vandalism & malicious mischief, and
- Windstorms, hail, and flood, among others
Aegis General insurance wants your clients to have the necessary protection in place for those times when a nasty accident causes damage to their machines and a policy that will get them back on the road in little or no time.
Regardless of whether you’re in charge of the safe travel of products by truck, rail, air or sea, contingent cargo insurance protects you in the event that your customer experiences a loss through a variety of potential exposures. Your clients come to you because they trust that you’ll have their best interests in mind when it comes to providing your services. Therefore, they expect to be protected in the event of any type of mishap. You demonstrate that you appreciate their trust by carrying cargo insurance specifically designed to provide reliable, comprehensive coverage to the logistics industry.
Manufacturers know that cargo insurance is vital when it comes to moving their valuable products and machinery from one destination to another. But without sufficient coverage, you could be leaving them with lost or damaged goods and little or no compensation. The key to solving many of the common problems that accompany transporting cargo and precious freight is to know what those problems are and how to avoid them.
Common issues with the transportation of goods
Whether you arrange for the transportation of goods across the US or around the globe, there is always a possibility, no matter how slight, that the product will not make it to its destination or may end up being damaged in transit. Thefts and other causes of loss, including accidents and sinking ships can wreak havoc to your bottom line.
In order to protect your profit from these losses, a customized cargo insurance program is essential. For anyone that owns, manages or operates any of the businesses in the segments below, before embarking on any journey, research commercial cargo insurance that deals with the needs and concerns of:
- Transportation brokers
- Freight forwarders
- Importers and exporters, and
- Logistics providers
Contingent cargo insurance has two objectives: it protects your assets and your business reputation, and it enhances and protects your relationship with customers. Also, if you’re working with a broker, it’s important to note that, even though the broker may hold a contingency cargo liability policy, he or she doesn’t have an insurable interest in your cargo and therefore cannot be issued an actual insurance policy under most state laws. You should speak to a reputable agent who can help you to determine your particular needs.