Author: APC Insurance

How Taxi Drivers Can Improve Tips

Taxi Drivers

In contrast to other industries, there isn’t a universally agreed-upon formula for how good service from a taxi driver should be tipped. As a result, tips can vary dramatically from one passenger to the next. It can be easy for a driver to feel helpless about the value that they generate in tips. However, a few simple techniques can help them improve the total value of their tips every day.

Be Personable and Friendly

A smile and friendly attitude can go a long way towards encouraging tips as a taxi driver. A driver should make it a point to introduce himself or herself. After passengers share their name, addressing them by their name can help to make them feel engaged.

Review the Route

As soon as a driver sets out towards passengers destination, he or she should ask them if they have a preferred route or if they are okay with using the route provided by a GPS. Customers will appreciate being asked for their input.

Be Welcoming to Out-of-Towners

A person who is unfamiliar with an area may like to hear more about it. If a passengers indicate that they’re visiting from out of town, drivers should make an effort to tell them a little about the area and highlight some points of interest.

Are Your Employees Covered on the Job?


In any workplace there are unexpected situations that may result in injuries, loss of wages and long-term effects on overall health. When dealing with injured workers, it is important to understand the difference between an occupational accident policy vs workers compensation. Employers must have the right insurance to protect themselves, their business and their employees when misfortune arises.

Workers’ Compensation Coverage Simplified

In most cases, a workers’ compensation plan is state-administered, providing coverage for medical expenses, legal expenses and lost wages resulting from a workplace injury that limits the execution of an employee’s normal job duties.

Employees must be able to prove their injury is work-related during a lawsuit. In most cases, employees cannot pursue punitive damage or pain/suffering in a court of law after accepting workers’ comp.

Occupational Accident Policy Explained

Another option is an occupational accident policy, which has a specified threshold of coverage for both employees and their employers should workplace injury occur. Assessments are made regarding the potential risks of employers and their workplaces to determine elected coverage amounts and plan deductibles. These policies have certain benefits:

  • Offers the employer control over the amount of coverage employee receives
  • Provides more customization of options, including survivor benefits, disability, or accidental death
  • Often costs less

However, if the plan’s coverage limits are exceeded by an employee, then the employer must cover remaining costs.

Deciding on the right plan can be challenging, but learning more about an occupational accident policy vs workers compensation can ensure your business and your employees are both properly protected.

What You Need To Know About Volunteer Insurance

Volunteer Insurance

When you run a nonprofit organization, you rely on your volunteers to serve the community and make a difference in the world at large. Though standard nonprofit insurance is enough to protect your full-time staff members and the organization itself, it’s not enough to protect your volunteers. To do that, you need dedicated volunteer insurance coverage.

What the Policy Does

A dedicated volunteer insurance policy helps reduce your organization’s liability risk across the board. Since your volunteers represent your organization, they’re often the ones interacting with the public and providing services to the greater community. This means they’re at risk for liability issues and damages if they’re not careful. The volunteer policy extends liability protection to your volunteers when they’re representing your organization and engaging with the public.

What To Look For

The right volunteer coverage for your organization largely depends on the types of activities your volunteers will be involved in. When shopping for a policy, look for the following characteristics:

  • Specific coverage for volunteers, not employees
  • Enhanced liability coverage both on and off-site
  • Affordable monthly premiums
  • Coverage limits that fit your needs and risks
  • Great client support
  • A clear claims process

Insuring your volunteers in addition to your employees is the best way to protect your organization in the long-run. Choose a dedicated volunteer policy and you’ll be able to protect your team at all times.

What Is Hemp Insurance?

Hemp Insurance

Industrial hemp growers face uncertain times as the federal government waffles on its commitment to supporting legal hemp by continuing its over-surveillance of these operations while neglecting to prevent interference with growers and transporters by state governments and law enforcement agencies. While industrial hemp does not contain any chemicals on the controlled substances list, it is also indistinguishable from immature cannabis, and that makes it a target for ill-informed enforcement in areas that are still under prohibition.

Protect Every Aspect of Your Business

Hemp insurance offers you an opportunity to get the liability and business risk coverage you need, with both boilerplate protections for all businesses and hemp industry-specific provisions that are based on the risks you face when growing, processing, or transporting hemp to marketplaces. That lets you focus on developing more wholesale contacts, building your client base, and producing the best product possible. Coverage for hemp businesses can even provide unique and comprehensive coverage for businesses that make consumer goods from bulk hemp fiber. That’s because the insurers serving this niche understand its complexity. Often, they also tackle the challenge of providing insurance for cannabis businesses in states that have legalized it for recreational or medicinal use, so they’ve seen the industry from every possible angle. That’s a good thing when you have questions about insurance for your business.

Why SEO is Crucial for Your Insurance Agency

Insurance Agency

Insurance companies have a high level of competition when trying to attract new clients. It is crucial to incorporate SEO for agencies into a digital marketing strategy.

Typically, someone looking for insurance will do a Google search and then contact a company in the top five search results. SEO is the method used for optimizing online content, so it shows up at the top of the list.

SEO practices are constantly changing, making it essential for insurance businesses to stay on top of new methods. To maximize performance and lead generation, a marketing professional specializing in SEO for agencies can optimize your content and search rankings.


Keywords are the words that represent your content’s topic. In terms of SEO for your business, they are the phrases a potential customer types into a search for insurance.


Reviews are valuable for many reasons. Good reviews from any site will help convince others to use your services, but Google reviews directly impact your Google ranking. Link your Google My Business profile in an email to satisfied customers so that they may write a review.

SEO aims to improve your website’s traffic by placing web content high in search engine results pages. Keyword optimized SEO for agencies will help connect you with the clients most interested in your services.

Crime Insurance for Banks and Those in Finance

Crime Insurance

Financial institutions have a lot to worry about when it comes to their risks and liabilities. While most businesses are able to retain an insurance policy as a defense against these liabilities, a bank, lender, and other company operating within the finance industry is protected through sector-specific liabilities with a financial institution bond. This is a form of insurance that protects the institution from things like employee theft or computer fraud.

The Rise in Employee Dishonesty

In spite of sound hiring practices and accountability measures, employees can never be fully trusted, especially where it concerns money. It is estimated that employers lose almost 6% of their annual revenue to employee forgery, computer fraud, or outright theft. Financial institutions have greater exposure in these areas because of the continual interaction with customer accounts and funds transfers.

The Threat From Outside

In addition to internal threats, financial institutions can be exposed to monies or securities fraud, extortion, or in some cases, kidnap and ransom of important employees. As these acts and those that occur from within are often criminal in nature, a financial bond protects against the loss of funds the institution may encounter as a result of the event.

Bonds are often a regulatory requirement for financial institutions. These are a key way to protect an institution from internal or external threats and loss.

Stern-drive or Inboard Engine. Which is Better for Powerboats?

Stern-drive or Inboard Engine

The sterndrive vs. inboard debate is a common talking point. Both have advantages and disadvantages. Is one better?

A sterndrive motor is attached to an outdrive. It is both the propulsion and the transmission. Most bowrider and sport boats use this type of engine.

Inboard motors use V-drive or direct drive transmissions. Large powerboats typically use this type of engine.

Pros of Sterndrive Motors

  • More free space on the boat
  • More speed and boat trim ability
  • More maneuverable with the ability to go into shallower water
  • Better fuel economy

Pros of Inboard Engines

  • Generally more stable due to their central location within the hull
  • More resistant to corrosion
  • Require less maintenance
  • Almost non-existent risk of coming into contact with the propellers

Cons of Sterndrive and Inboard Engines

A sterndrive inboard motorhas higher maintenance requirements and is prone to corrosion if exposed to saltwater, resulting in a shorter lifespan. Exposed propellers can pose a danger to children or pets.

An inboard engine has lower fuel efficiency and less overall performance. A boat with this type of motor goes in one direction when in reverse, no matter the wheel’s position. Lacking a tilt-up mechanism, it has a larger draft.

When selecting a powerboat engine, there are many factors to consider, including the boat’s size and the type of water it will be navigating. Each engine propulsion system option has benefits and drawbacks. Consider your personal preferences, as well as how you plan to use your boat.

Maintenance Tips to Keep Your Boat at Peak Performance

Maintenance Tips

Boating is one of the greatest pastimes. With all of the adventures you go on, your boat should stay in the best shape possible. Here are some daily boat maintenance tips to keep your vessel performing at its finest.

Find the Right Insurance

Having your boat insured is an important part of protecting yourself and providing longevity for your passion. Your boat is an investment, and the right insurance can protect you from several issues, such as:

  • Accidents where you are responsible
  • Towing costs
  • Environmental and collision damage

Boats go to uncharted territories and end up in unexpected situations. It is always best to have your adventures covered.

Keep it Pristine

You can help prevent your boat from breaking down by creating a daily maintenance routine for your boats exterior.

Damage can come from long term exposure to:

  • Grime
  • Salt
  • Moisture

Routinely clean your boat by hosing it down with freshwater as well as polishing the Gelcoat. It is a wise investment to detail your boat once a year. Thoroughly clean the interior and exterior of your vessel with the right supplies or hire a professional company.

With a daily boat maintenance routine and the right coverage, you and your passengers are taken care of and ready to set sail.

How to Be Successful When Selling Your CBD Products Online

CBD Products

More people are starting to shift from buying products from brick and mortar stores to ordering products online. The CBD industry is no different but for many sellers, this change poses a few unique challenges. Making the transition from in-person retail sales to an e-commerce business isnt easy. So, what can you do to ensure a seamless transition?

Provide a Diverse Selection

Most standard retail stores provide a wide selection of products for their customers. Transitioning to an online store shouldnt change this aspect of your business. You need to continue to at least provide your customers with access to the same types of products theyve come to expect. If possible, use the opportunity to roll out new products for your customers to try.

Follow the Changing Demand

With more people staying home and working from home, most companies selling CBD online are starting to see an increase in orders. More people are discovering CBD products for the first time while others are starting to use their old stand-by products more often. Update your website and try to mimic the feel of your retail outlet so your customers will feel confident in relying on your business.

Its also a good idea to review your insurance coverage to make sure your current policy supports your new online sales. If it doesnt or you need additional coverage, update your policy as soon as possible.

Protect Your Wealth Online With the Right Insurance

Protect Your Wealth Online

If you made your money in business, you’ve probably already heard about how important cyber security can be. Every year, major companies are exposed to liability and financial loss when hackers and other fraudulent actors steal their information or use their systems to commit fraud. What you might not realize is that high net worth individuals often face many of the same risks to their assets and cash online. Cyber security coverages for high net-worth people are designed to protect your wealth from attempts to defraud your accounts and sometimes from the possibility of criminal actions by those entrusted with managing that wealth.

Best Practices for Maximized Protection

Cyber insurance for individuals is its most cost-effective when your risks are mitigated with good security practices on the ground. That means you can work with an insurer to discover the investments that correlate the most with increased security and reduced fraud risks, to make sure your investment in new security protection at the level of software and contracted labor is cost-effective and contributes to the overall cost-effectiveness of your risk management plan. The results can be powerful; especially if this is the first time you’re establishing full cyber security protocols. Don’t wait to get yourself personal protection that is as robust as the coverage you’d demand for your businesses.