Reasons You Need Specialized Staffing Agency Insurance

When you run a staffing agency, you face unique challenges that other business types don’t. For example, if one of your temporary employees is accused of theft at a job site or becomes injured on a job assignment, your agency needs to be protected. Here’s why you should turn to a staffing agency insurance carrier.

Knowledge of Staffing Agency Needs

The very nature of the staffing industry lends itself to situations where insurance coverage can be ambiguous or misleading. When you partner with a carrier that specializes in insurance for staffing agencies, you have peace of mind that you are comprehensively covered. These carriers know the common problems that staffing agencies face and can help more than a general insurance company could.

Your Business Remains Current

When you buy, say, car insurance, your carrier often tells you of ways to save. For example, you can save by taking a defensive driving course. Likewise, staffing agency insurers can educate you on ways to stay safe and current—ways you may not have thought of with a general insurance carrier. The net result is decreased risk and increased business success.

Staffing agencies need insurance carriers that understand the challenges of the industry. These staffing agency insurance carriers address potential coverage gaps and provide additional peace of mind.

 

Scenarios When Insurance for Contractors in Clifton, New Jersey Would Come in Handy

As a contractor, you face some hazardous work environments. Although it seems like a lot to handle, you can rest easy when you have insurance coverage to soften the blow of a bad situation. What are some scenarios in which insurance for contractors in Clifton, New Jersey might come in handy? The following are just a few:

  • Workplace Injury – Your employees are put in some menacing situations. They often work around deep holes, have to use sharp and fast equipment, and are sometimes subjected to a lot of heat during the day. Even when you take every precaution possible, accidents can happen in the workplace. A workplace injury needs the protection and compensation of insurance.
  • Broken Equipment – Your equipment and tools do a tough job. While they are made to withstand a lot of pressure, hard materials and a lot of use, they can wear out or break. It can get expensive to replace some of the items you use on a daily basis, but with insurance coverage, you don’t have to sweat the costs.
  • Lawsuits – Whether you dug in the wrong place and shut off the neighborhood’s water supply, flung a piece of rebar into the neighbor’s yard and put a hole through the roof, or dumped a load of dirt on someone’s flowerbed, you could get sued. Proper insurance coverage will help you in case you are faced with a lawsuit.

Insurance for contractors in Clifton, New Jersey is an important part of business. If you are a general contractor, make sure you protect your assets with proper coverage.

The Categories of Car Insurance Discounts

Many car insurance providers offer their customers discounts. As you search for car insurance in CT, you need to know what kind of discounts are available. This information may help you eliminate policies to pick the one that is right for you. There are three main categories of car insurance discounts.

Driver

You can earn discounts based on the driver. If you’ve taken driver training, have a clean driving record or only drive a short distance each year, you may qualify for a discounted rate. Other driver-related factors include age, occupation, grade point average and certain memberships.

Vehicle

You can also get discounts on your car insurance in CT based on the vehicle you drive. Certain safety features may make you eligible:

  • Adaptive headlights
  • Alternative fuel
  • Anti-lock brakes
  • Automatic seat belts
  • Blind-spot detection
  • Passenger-side airbags
  • Rear view cameras

The age of your vehicle may also play a role in how much you pay.

Policy

Finally, you may be able to get discounts if you hold other policies with the same provider. This is often considered a bundle discount. If you have multiple vehicles on your policy, you could save due to a multi-vehicle discount.

Talk With Your Agent

To find out what discounts you qualify for, you need to talk with your insurance agent. He or she may be able to help you get applicable discounts on your car insurance in CT.

Obtaining Staff Insurance From a Qualified Agency

As a staffing company, it’s important that you look into staff insurance. There are other types of coverage you’ll need as well, and your insurance agent can help you see where your risks are and how you can handle them. Staffing insurance is best obtained by a qualified agency for the following reasons:

  1. Experience – An insurance agency that regularly deals with staffing companies will have the experience needed to ensure you have the proper policy. They will generally monitor the industry to make sure they catch any emerging trends that need to be looked at. They also commonly track developments to come up with the perfect fit for your insurance services.
  2. Dedication – When you hire an insurance agent, you want someone who is dedicated to the work they do. A qualified agency will typically have a deeper commitment when it comes to ensuring you are covered against the specific risks you face.
  3. Products and Services – Doing business with a qualified agency often gives you an advantage in which products and services you receive. When you have a larger selection of coverage options, you are able to tailor the policy to the needs you have as a company.

Don’t trust your staffing company to any insurance company. Working with a qualified agency will help you obtain the staff insurance you need to find the most success in business.

Why Would a Company Need New Jersey Contractors Insurance?

Contractors have a lot of unique risks associated with the jobs they perform on a regular basis. While it might seem simple and routine to the contractors, there are accidents that happen. If you are a contractor and are just looking into New Jersey contractors insurance, the following will help you understand why it is needed.

  1. Peace of Mind – Whether you use heavy equipment, work in dangerous areas or know your employees don’t pay attention to safety sometimes, it can be worrisome to think all day about what could go wrong and how you would pay for it. Insurance gives you that peace of mind that allows you to focus on the job at hand.
  2. Protection – You never know when something will happen and when someone will need the protection that comes from insurance. Unfortunately, even in the most controlled and careful situations, accidents can happen. Protect yourself, your company and your assets with insurance coverage.
  3. Responsibility – When all else fails, know that you are responsible for your employees, your assets, your company and everything associated with it. It’s a big responsibility, and one you cannot take lightly. It’s the responsible thing to do to purchase a complete insurance package.

To learn more about New Jersey contractors insurance, speak with your insurance agent. It’s an important part of your business, and something you may want to look into before you accept another job.

Items Not Covered by Legal Liability Insurance

Most businesses would do well to obtain a thorough insurance policy to protect themselves when unforeseen circumstances present themselves. Law firms face unique risks, and therefore, it would be wise of every firm to obtain legal liability insurance in Austin. A good policy will cover a variety of claims. However, not everything will be covered.

Criminal Acts

Naturally, if a law firm is being sued for conducting criminal activity, then that firm would be unable to use their policy to cover legal expenses. This also includes fraudulent or otherwise dishonest activities.

Two Insured Employees at the Same Company

Your policy will cover everyone who works at your law firm from attorneys to office workers. If one employee sues another employee for whatever reason, your insurance policy would not cover both of them.

Other Exclusions

Additional items that are generally excluded from a legal liability insurance policy include:

  • Property damage caused by an employee of the firm
  • Bodily injury caused by an employee of the firm
  • Claims the firm should have foreseen when the policy was first obtained

Your insurance agent will go over your law firm’s policy in fine detail when you first get it so that you understand every last detail. While there are certainly plenty of exclusions, there are plenty of items that are covered, so acquiring legal liability insurance in Austin is definitely an investment worth pursuing.

3 Data Breach Risks

Many businesses are at risk for a data breach. Almost just as many businesses don’t fully understand what the perils are. Data breach insurance is a great way to help mitigate your risks, but you should also try to familiarize yourself with the hazards.

  1. Employees: Insider risks are the most recognized danger to your company’s data. If you ever have to let an employee go, he or she may be able to access your company’s information and share it with the world. Disgruntled employees aren’t the only risk you have to watch for. Uneducated and careless employees can cause just as much trouble. Train your employees and terminate privileges when employees are let go.
  2. Third-Party Providers: Most companies turn to third-party providers to make their data more secure, but it can cause even more issues because of the use of remote access. Before you hire a third-party, make sure your data breach insurance will protect you.
  3. Mobile Devices: If employees use their own mobile devices to access company information, it can cause a huge problem. Make sure you implement mobile device policies to help reduce these breach dangers.How can you learn more about the hazards facing your company’s data? Your insurance agent may be able to help you learn about the challenges and reduce your risks through data breach insurance.

Common Liabilities Taverns Face

A tavern is the place for everyone to cut loose, enjoy a few drinks and share memories. Unfortunately, alcohol can lead to certain situations your establishment may be held liable for. Here are a few of the most typical ones that will make you thankful you have tavern insurance.

DUIs

If one of your patrons gets too drunk and then gets behind the wheel of a car, you could be held liable if he or she gets in an accident. The best way to avoid this is for your bartenders to be aware of when someone has had too much and then prevent them from driving.

Injuries

Bars have certain hazards that could result in injuries. Intoxicated patrons may want to start a fight. Even a game of darts or billiards could lead to someone getting hurt. It is good to take all necessary precautions to prevent an injury.

Underage Drinking

As a responsible business owner, you would never intentionally serve underage patrons. However, that will not stop minors from trying to get in. Make sure your staff is skilled at spotting fake IDs. Certain devices exist that allow you to scan IDs. It might be good to invest in one.

With the proper precautions, you may never have to use your tavern insurance. It is still good to have it just in case, but try your best to limit your exposure to risks.