As a business owner, you have a legal obligation to provide your employees with certain benefits in the event of a workplace accident resulting in injury or death. State law mandates the type of coverage your employees are eligible for, but a workers comp insurance broker can give the specific details about the risks and liabilities your employees face.

Workers Comp Coverage

Most often, a workers comp policy will include the following:

• Medical costs associated with treating work-related employee injuries or illness
• Lost wages for employees on medical leave due to injury, rehab or illness
• Ongoing care expenses such a rehab or therapy services
• Death benefits and funeral expenses in the event of accidental death
• Legal costs for lawsuits or claims arising from the incident

If your employee has brought a claim to your attention, it is very important that you treat the matter seriously, no matter how minor it may seem. You will definitely want to contact your workers comp insurance broker right away, in order to follow the steps necessary to secure the best possible outcome with a settlement.

Be sure your employees have been informed of their rights and benefits when it comes to workers comp incidents. In addition to education, preventive safety measures and training are equally important to provide a safe working environment.

When it comes to providing insurance, you have to be able to reach your target market. Nowadays, most people do their research online. This means that you need to keep your online presence strong. Likewise, you need a website that demonstrates your professionalism.

Importance of Organization

Insurance agent website templates have to be organized. If your site is unorganized or difficult to navigate, most clients won’t have the patience to figure out how to work it. Instead, they are going to move onto a site with better organization. Organization also ties into professionalism. The more organized it appears, the more professional you appear.

Importance of Mobile Templates

In addition to a Desktop website, you want to make sure that your mobile website template is as organized. A large percentage of people use their phones to surf the web and to do research. If you have a poor mobile site, then odds are you aren’t going to get frequent visitors. The less people that see your site, the less likely you are to gain new clients.

When it comes to insurance agent website templates, you need to make sure that you choose something that is professional and organized. As long as you have a professional template that is easy to navigate, you will draw people in.

Operating a bar is just like operating any other business. When it comes to making sure your overall operation is successful, you need to pay careful attention to each area and provide the resources to keep them running smoothly. While we can’t give you an exact total on what these resources will run, we can help you understand your bar insurance cost.

To have the most comprehensive plan in place, you will want to include the following coverage areas.

Commercial Property Insurance. This will help with any damage that occurs to the physical structure of the building, interior components and related signage. This can be done in actual cash value or replacement cost.

Assault and Battery Insurance. Some companies choose to include this endorsement under their liquor liability policy. This works to protects individuals from harm that occurs in the unlawful event of the use of force by another individual.

Liquor Liability Insurance. The risks associated with intoxicated patrons can be addressed through this insurance. The cost for this coverage relies on the state in which you operate, the amount of sales your liquor service brings and your overall operations.

To figure out your bar insurance cost, you will look at what policy limits to set. It is advised to maintain coverage in each of these areas.

For several US agencies, insurance sales can be more successful if there is an extensive portfolio of coverage options for agents to offer their clients. Selling general plans might be profitable for some, but because of all the competition that may likely be offering the same to a similar client base, finding ways to tap into different markets can be an effective way to stand out. For agents trying to break out of a lull, having products that can cater to the unique needs of specific industries can help to do that.

Types of Niche Markets

For agents considering focusing their energy to become specialists in certain industries to sell specialized coverage plans, it’s important to decide which ones to focus on to make into a target demographic. Some industries to consider include:

• Transportation
• Employment services
• Valet and parking services
• Hospitality
• Environmental
• Healthcare
• Financial institutions
• Special events such as entertainment and sports

Getting Started

With endless niche markets out there, the possibilities may seem endless. However, for US agencies, insurance brokers may be the best resource for making that decision. By seeing what types of plans are available through brokers, it can help to give agents a sense of the type of markets to which they can cater to with a variety of options for client needs.

Fall is such a wonderful time of the year. It is the season of colorful leaves, pumpkin spice and cool breezes. It’s also the time for festivals, with churches, schools and counties hosting fairs and open-air gatherings. Even though the general purpose is to encourage fun and games with those who attend, the potential for an accident leaves planners with the decision to acquire event insurance.

Why It’s Important

Many planners think their company’s general liability insurance is enough coverage for their proposed festival or event. However, this can be limited in scope to who and what is included for coverage. It might not offer enough of a limit on potential incidents. Vendors or other companies participating in the event may also require the hosting organization to offer more specific coverage for their operations as well.

Where Can You Get It?

Event insurance is sometimes considered a specialty field, and you need to research agencies in your area with the right licenses and carriers. In addition to general liability, you will need to consider property concerns, potential liquor liability, cancellation insurance and hired/non-owned auto coverage.

With great weather and an eager crowd, it is hopeful that your festival will go off without a hitch. However, don’t take the risk of moving forward without a comprehensive event insurance policy.

There are many benefits to choosing independent insurance agents of Connecticut over one company. The agents can help you find multiple products for the best price. Whether you are just starting your hunt for insurance or are looking to switch agents, these three qualities can help you choose a good one.

Knowledge

Insurance is more than simply the cost for coverage. There are many legal and tax implications the agent should be aware of for a given policy. They should understand what policies they sell and what they cover.

Skills

Like any client-facing profession, insurance agents need to have excellent customer service skills. An agent who follows through on their commitments, answers phone calls and emails in a timely fashion and empathizes with your situation has the makings of a good agent. As their client, you should come before their commission check.

Personality

Insurance is one area where honesty is really the best policy. Knowing the exact costs and coverages is essential to avoiding a costly event later. Ideally, the agent is happy to work with you, maintains persistence in finding the right policy and encourages your trust.

Independent insurance agents of Connecticut offer a wide range of products to cover your exposures. Find one with the right qualities and you’ll be prepared when something goes wrong.