The senior living industry includes many inherent risks, and those in the field know that the right insurance and risk management is required to provide adequate coverage for businesses and professionals. The DigniCare program is designed to meet the specific needs of caregivers with integrated practices that take into account the many different aspects of caring for the elderly.
Risk Management Solutions
The basic risk management techniques are not enough for the senior living industry. The right business practices are needed to ensure that a facility meets state standards and is able to provide the best living situation for all residents. Some of the risk management tools that part of DigniCare include:
- Media relations
- Employee safety
- Resident safety
- Reduction of liability risk
Utilizing these tools allow facility managers to attract employees and residents, while maintaining a positive environment.
Beyond the Basics
A program that is specifically tailored for the world of senior care is more likely to be beneficial to both residents and facilities. There are many needs that a basic program cannot meet. By investing in the DigniCare program, the wellbeing of a facility is best served. With individualized services, the program can be custom built for any senior living institution.
This specialized policy can be a beneficial way to ensure the safety and satisfaction of an entire senior living community, as well as those who work for there.
Many employers offer group life insurance in Virginia. These plans are a convenient way to give employees the ability to provide financial security for their families should the worst happen. The employer purchases a master policy and issues certificates of participation to employees. Group life insurance plans have several advantages over other individual insurance policies.
Insurance providers often prefer to deal with group insurance plans. There is less effort required to managing the members on these plans, and providers are able to offer discounts to encourage enrollment. Because these plans are easier to administer than individual insurance plans, the members receive a greater benefit at a lower cost.
No Medical Exams
Anyone can qualify. There are no medical exams required prior to enrollment. This means that any employee can join the plan and receive benefits regardless of physical condition. Participation is guaranteed for as long as the employee remains with the company. In some instances, a policy can be continued even after an employee leaves the business.
Employers are More Competitive
Hiring qualified staff is critical to business success. Wages are often not enough to attract the top talent in the labor market. Employers need every advantage they can get. Offering their employees a high quality life insurance plan at a low cost is another incentive to attract qualified job applicants.
Conditions vary by state, but the policies paid for employers are often tax deductible. This helps to offset the cost of a benefits package while increasing the available value to employees.
Employers interested in offering group life insurance in Virginia are encouraged to contact an insurance professional for more information.
A car dealership is unlike any other retail business. The products offered for sale are large, expensive, and potentially dangerous vehicles. A moving car in the wrong hands can cause considerable damage. As a car dealership owner, you cannot afford to take the risk of being in business without the right car dealer insurance. A specialty market like an auto dealer needs the insurance services of a company dedicated to understanding the areas of greatest concern for your business.
The Test Drive
Your buyers will always want to drive the car before the transaction is completed. Your salesmen are expected to go along for the ride and promote the deal. While they are out there, the safety of your employees is the hands of your customers. Simply having a copy of a driver’s license is not enough to ensure that the person behind the wheel is capable of making the right choices in an emergency situation.
Cars have to move from one place to another. When they arrive on your site, they have to be unloaded from a trailer. Even at slow speeds in the parking lot, it is possible for accidents to happen. Fender benders do more than damage a couple of pieces of inventory. They put your staff at risk of injury. It’s easy to lose sight of someone else in a crowded parking lot, and lot damage increases the risk of injury to your staff.
Exposure to Toxins
Cars are full of chemicals. Owning and operating a vehicle requires contact with substances that carry health risks. Cleaners and battery acid can cause burns. Inhaling exhaust fumes leads to respiratory problems. Spilled oil creates a trip hazard. Just stocking some of these items may invite a dangerous situation.
Make certain your staff is protected with the best car dealer insurance you can find. Be prepared to cover their medical expenses and lost wages in the unfortunate event of an accident. You need an insurance provider that understands your business and can set up a custom insurance package focused on overcoming the challenges your dealership faces.