As part of a comprehensive marketing strategy, insurance companies need to continually work on building a library of first-rate content. The quality of a company’s written materials speaks to its professionalism, managerial competence, and general credibility.
Use Clear Language
Grammatical accuracy and general readability are the most essential elements of informative writing. If materials seem poorly written, readers will not care much about the substance.
Hook People With the Title
A lot of the people who you want to reach will decide whether they want to read something simply by reading the title. Make titles unique, but do not make them so creative that they fail to convey the heart of the subject matter.
Explain Why Your Audience Needs to Know Something
It is important that the introduction or first two paragraphs of an article plainly show readers why they should read the information that you are presenting. The utility of examining certain issues in depth may not be readily apparent, so spelling it out can help people appreciate why information is relevant to them. Ultimately, creating compelling insurance content requires a strong command of industry-specific knowledge. Great content can be a valuable informative resource to potential clients and thereby give insurance companies a big advantage in winning them over.
Labor unions in the United States are nonprofit entities, but they are not like other nonprofits. Unions have their own designation under the law, and as 501(c)5 organizations, their rights, obligations, and fiduciary responsibilities to members are very different from the activities of groups that are formed for philanthropy, charity, or political organizing. That means labor union insurance needs to be very different from other nonprofit insurance coverage as well.
Professional vs. General Liability Coverage
For the most part, your general liability policy can be a standard issue device that covers the basics of liability coverage for your membership hall or office facilities, some professional liability, and any third party or public liability coverage you need. Union-focused professional liability coverage, including D&O insurance, is a necessary add-on because the professional liability portion of a general policy is less coverage than a labor union typically needs. This is because general policies limit each coverage area to ensure none of them can individually max out the policy coverage. So, what is covered by labor union professional liability policies?
- Union-related liability exposures relating to duties to the membership, including collective bargaining and fair representation of all members
- Financial management exposures related to running a union to protect your directors, officers, and trusted staff members as needed
- Personal injury protection that includes libel and slander
- Possible individual labor leader coverage as needed
To learn more about limitations, policy maximums, and other details, you need to get a quote from a company that specializes in providing labor union insurance. The sooner you get a quote, the sooner you can start comparing it to your current policy.
Shipping is one of the most important industries in the modern day and age. From consumers ordering everything they need in the internet to manufacturers requiring materials faster and in higher volume, those operating shipping businesses need to take extra caution when meeting rising demands. One excellent way to protect your company from the potential challenges ahead, you absolutely want to consider your options with insurance. Review these tips to get started.
Assess the Common Risks
Your first step to finding exceptional coverage is to assess the risks associated with shipping. Insurance is meant to reflect the specific demands of your industry. This means that you will find appropriate coverage only by looking at the risks you are likely to encounter. Shipping cargo comes with a number of inherent risks that aren’t present in other industries. What’s more, shipping via trucks will require different policy options than cargo being sent on a vessel across the sea. Other major areas to think about with your insurance coverage include:
- Coverage for directors and officers
- Workers’ compensation for all employees
- Extra protection for goods being shipped
Understand the Basics
There are a number of important points to take into consideration when it comes to finding the best insurance for your business. Review the risks of the shipping industry to gain more perspective on what option is best for your needs.
Employers face a stiff job market as the economy reopens after the COVID pandemic, and being able to provide competitive benefits will become more and more important as the competition for labor increases. You can get ahead of the game by augmenting your health insurance and other benefit coverage options with group life policies for employees. All it takes is a quick quote from an agent who sells group life benefits in Ohio.
Why Offer Life Insurance To Employees?
Health and dental coverage protect your employees and help them protect their families, and life insurance is no different. When employees have access to more affordable insurance options, they have the peace of mind that comes with knowing their loved ones won’t face financial hardship if something happens to them. If you provide basic coverage as a benefit of employment, it can be a big competitive edge in recruitment and retention.
Get a Quote for Your Business Today
Like other group coverage options, life insurance for employers and employees varies a lot in price. The larger your company, the less expensive group plans tend to be when compared to smaller companies with the same risk profile, but the risk of mortality involved in your line of business also plays a factor, as does the baseline health of insured employees. To learn more about costs for your company, you need a quote from someone who offers group life benefits in Ohio.
With the arrival of the summer boating season, rental companies are preparing for the influx of tourists clamoring to get out on the water. Taking on the business of renting watercraft comes with inherent risks. Weather hazards, craft issues, operator errors and other boaters all have the potential to pose a significant legal and financial burden.
When the craft you offer for rent includes personal watercraft, you require protection designed specifically for these types of boats. Standard boat insurance does not cover sea-doos, jet skis, or wave runners.
Procuring the Right Coverage
Your insurance for your rental craft should cover your business and your customers in case of accidents and injuries. A good insurance policy offers coverage for:
- Hull damage – Repairs and replacements for damaged boats can be costly. If your personal watercraft property is damaged, you need to be sure that your policy protects your investment.
- Watercraft damages – As the owner of a personal watercraft rental company, you are entrusting your property to the care of someone else while they operate your boats. A good insurance policy offers protection in the event a renter is injured, or another person’s property is damaged, while the machine is in use.
- Liability – A good liability plan is necessary to protect your company against accidents and injuries occurring on the premises.
Insuring jet skis, see-doos and wave runners is a special consideration when you operate a personal watercraft rental company. To stay afloat, make sure your business and your customers are protected as the summer season gets underway.
When most people go to a restaurant, they just want to enjoy delicious food and don’t worry too much about how their meal is prepared. Unfortunately, many individuals don’t have the luxury of mindlessly eating anything that sounds good. Because of food allergies and other health conditions, some people must stay away from ingredients that are found in many dishes in the average American restaurant. Now more than ever before, restaurants need to be vigilant in protecting their customers by avoiding cross-contamination.
Common Ingredients That Threaten Restaurant Customers
Even for a perfectly healthy person, ingredients like raw meat, seafood, and eggs can harbor bacteria that may cause illness. It is critical that restaurant employees practice proper sanitation after handling raw ingredients so that bacteria from these foods do not contaminate any other ingredients or dishes. Celiac is a condition that causes severe reactions to any contact with gluten. Any wheat-based product, or even those that contain traces of gluten, like soy sauce, are very dangerous to individuals with celiac disease. Other extreme sensitivities or allergies may include:
Restaurants should be careful to keep these ingredients separated from all others unless they must go into a dish together. Blue Sky Insurance Agency asserts that even the most stringent practices to prevent cross-contamination can leave room for unfortunate outcomes, so having an insurance policy in place to protect against related claims is a good idea.
When your business is the buying and selling of properties, your customers rely on your judgment for a lot of important decisions. Not only do you need to be able to give them accurate information about properties and the positions of each seller, but most clients also depend on your judgment and your assessment of the current marketplace for at least some of their decisions. That makes the right professional insurance for real estate agents and brokers very important to the protection of your business, but which one do you need? Brokers and agents do not need the same coverage options or limitations.
Upgrading Your Business Insurance
According to Highland Risk, brokers require more comprehensive and wide-ranging coverage than agents do. That’s because real estate brokers take on more professional risks than their agents, who are essentially salespeople working under them. Brokers are responsible for the agents under them, shielding them from certain kinds of liability. The exact coverage a broker needs is quite variable, it changes according to their need for property insurance for an office site as well as the size of the team of agents operating under them. In addition to E&O coverage that reflects their role, brokers generally also need to carry general liability insurance like other business owners.
Sometimes construction projects may run into regrettable snags. For example, financial issues may arise when the contractor fails to complete a project on time or meet contract specifications. Fortunately, construction bonds can help mitigate the effects of these types of disruptions. So, what are construction bonds? Simply put, they are a type of surety bond within the construction industry used to protect companies against unplanned interferences or delays. If you’re not familiar with construction bonds, then here are a few things to consider before you begin your next project.
According to https://www.danielsinsuranceinc.com/, Contractor License Bonds are required by the state before you begin work on anything. These bonds ensure that all required licensing is complete before the project’s start date. If contractors aren’t adequately licensed, you may be liable for any penalties, fines or legal action incurred on the site. Contractors must also obtain Payment Bonds on projects exceeding $100,000. This requirement applies to both residential and public projects.
Many other bonds are optional; however, they could still benefit your next construction site. Some of these voluntary bonds include:
- Bid Bonds – ensure the contractor stands by the awarded contract amount.
- Subdivision Bonds – require contractors to begin work on subdivisions appropriately and within existing streets, sidewalks and waste management systems.
- Performance Bonds – guarantee the completion of a project within the specified timeline on the contact.
- Supply Bonds – ensure contractors obtain suitable supplies and materials.
- Maintenance Bonds – protect the project owner from design imperfections and other failures.
According to Kevin Davis Insurance Services, perceived or actual discrimination on the basis of race, color, religion, sex, nationality, familial status or disability is one of the most common causes of lawsuits against homeowners associations. Purchasing HOA insurance is an excellent way to address the risk of litigation. However, HOA board members should also be familiar with relevant regulations in order to avert problems.
What Kind of Accommodations Need To Be Made?
The laws addressing discrimination which most often affect HOAs are those in the Fair Housing Act. According to these regulations, residents may request, verbally or in writing, that reasonable accommodations or modifications be made in order to enable them to access their home and common areas in the neighborhood:
- A reasonable accommodation involves altering or making an exception to neighborhood rules, services and policies.
- A reasonable modification involves a structural alteration.
Changes can be made to the inside or outside of existing dwellings and public spaces. An HOA should seek guidance from its insurers to determine which requests are reasonable.
In most cases, the costs incurred by accommodations are the responsibility of the HOA, while those associated with modifications are the responsibility of the resident. That said, if the modifications are located in common spaces customarily maintained by the association, the cost of their upkeep may be the responsibility of the HOA too.
Given the complex nature of the FHA regulations, it is understandable that they can occasionally lead to complaints and litigation. In these situations, HOA insurance can protect your board from related expenditures.
Insurance for Health Care Professionals
If you work in a medical field, you may have heard that you need allied health insurance to protect you from various situations that can occur at work. If so, you may be wondering, “what is allied health insurance, anyway?”
Occupations Eligible for Allied Health Insurance
Allied health is not designed for traditional medical doctors, who have their own specialized coverage. Instead, it is designed for the millions of other workers employed in the health and personal care professions. Examples include:
- Physical therapists
- Home health aids
- Surgical technologists
- Medical billers
- Dental hygienists
The experts at Huntersure specialize in this type of insurance and can provide a complete list of job titles included in the allied health industry.
Types of Risk Covered
People who work with vulnerable populations need insurance against having their careers ruined by false accusations and against the loss of wages during the time allegations are being investigated. Allied health insurance covers many of the following potential situations:
- Sexual abuse
- Patient injury
- Non-compliance with regulations
- Breach of client confidentiality
- Adverse patient reactions
It is not pleasant to think about being involved in one of the above situations, but having good allied health insurance can make you feel less worried about the possibility.