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[yourteamais]

Did you know that most, if not all, states need businesses to have a Workers Compensation Insurance Policy in place?

Being a business owner, you may have already complied with securing your employees with the workers Policy as part of their fringe benefits. In reality, a policy like this can cost quite a lot which could ultimately, really affect your bottom line. Being on the pragmatic side, however, you would still not have it any other way. Costly or not, getting this protection now is better than regretting non-compliance later on. It is because most states require business owners to have a workmans comp Insurance Policy on board.

Learn more here.

#workers comp #workers compensation #workers compensation insurance #work comp #workmans comp #workmans compensation #workmans compensation insurance #business owner #business insurance #business liability #smallbusiness #smallbiz

[yourteamais]

Mitigate Sexual Misconduct with These Seven Steps

1. Have an Airtight Handbook 2. Take Action Appropriately and Quickly 3. Develop Strong Leaders 4. Host Recurring Trainings 5. Check in with Your Team 6. Institute a Solutions-Based Approach 7. Revise Your Sexual Harassment Policy as Needed from https://www.teamais.net/blog/mitigate-sexual-misconduct/

https://www.teamais.net/trainings

#sexual misconduct #sexual misconduct definition #what is sexual misconduct #sexual misconduct meaning #sexual misconduct list #sexual misconduct in the workplace #sexual misconduct policy #what's the difference between sexual misconduct and sexual harassment

[yourteamais]

#instabusiness #instabiz #insurance #business #commercialinsurance #businessinsurance #insurancepolicies #insurancepolicy #coverage #businesspassion

Commercial Insurance Renewal 101

First things first, you want to be sure that you have the right amount of coverage for your business. That said, DO NOT SKIP an annual commercial insurance review of any of your business insurance policies.

Sure! Reviews can be tedious and time-consuming for small businesses. There’s just too much needed to have a review done that small business owners just renew their existing policies. BUT, if any business, big or small, has changed within a year or so, you can either be underinsured or even be paying too much for your company’s business coverage.

This is why it is crucial for any company to change their insurance coverage along with their business needs. The commercial insurance renewal process gives business owners the chance to work with an insurance agent to ensure that their current insurance coverage still provides the best value for their insurance needs. 

Side note: We suggest going to an independent insurance agency or agent. Make sure you find someone who is efficient, secured, and reliable.

When to start preparing for commercial insurance renewal?

Did you know that you can start weeks or even months ahead of your renewal date’s deadline? Doing so ensures that you have enough time to get all the financial information that insurers need, in case you need to get your premiums adjusted.

Key Points

Here are some things you need to know and questions insurers may ask for the business insurance renewal. Also, make sure to discuss this with your agent so they can give a better assessment of your risks.

Did your office move to a different location?

Did you move permanently? Do you have an additional new location? Did you move out from a home office? Did you move from a commercial space and began managing your business from home due to the pandemic?

One of these questions may apply to you and your business. And if so, you would really need to change or adjust the coverage in your business liability insurance or business owner’s policy. These changes can either increase or decrease your insurance rates depending on the size of the office or if you have security features installed.

How many employees do you have?

The number of staff or employees may require you to update your workers’ compensation insurance policy. As rules and laws vary from state to state, you might want to know yours. But most states need businesses to have work comp coverage in place as soon as they hire their first employee.

As the company grows, workers’ comp coverage also needs to be changed. This is to make sure that hired staff are covered and those no longer employed by the company are no longer included in the premiums. The insurance renewal process is the perfect opportunity for business owners to verify they are carrying appropriate workers’ comp coverage.

Do you have new services or products?

With so many things changing in the past few years in the terms of technology, as well as the effects of the recent pandemic still looming at the heels of many businesses; many have gone from brick and mortar business setup to digital setup. This is why Cyber liability coverage is important to have in place or at least check if you already have it included in your policy. And not only that, changes in products or services may require your company to adjust its professional liability insurance or general liability insurance where product liability coverage may be included.

Your commercial property insurance rates may need to be adjusted since the value of business property is also based on how many and what type of equipment businesses has.

Do you have any changes to your business practice?

Let’s talk about the recent pandemic again, shall we? Many businesses have turned to curbside pickup, delivery services, and digital communications more than ever before. That said, you may need to check your general liability insurance, add commercial auto insurance, or even include cyber liability insurance.

Ensure Best Value

Alright. So, sure, you’ve determined that your business didn’t really have any huge changes in the past year. And you want to renew your insurance coverage.

But hold on a minute! 

This is the perfect time to do some shopping…of the insurance kind. Your annual commercial insurance renewal is the perfect time to compare rates and possibly even get a discount. How? As we previously advised, get in touch with an independent agency or agent. They’re the best people to help you make an empowered and informed decision. They will find the best value deals and give you the best options from various carriers for your growing and changing business.

#instabusiness #instabiz #insurance #business #commercialinsurance #businessinsurance #insurancepolicies #insurancepolicy #coverage #businesspassion

[yourteamais]

Basics of Condo Insurance

What does condo insurance cover?

The typical condo insurance coverage may include:

personal property

Inside walls and other inside structures, if not covered under insurance purchased by a homeowners association (HOA) or condo association.

Items outside your home like bicycles can be vandalized or stolen.

General Liability

Additional living expenses

A condo insurance policy typically covers damage from perils or risks such as, but not limited to: fires, lightning, extremely strong winds, hail, explosions, riots or civil unrest, things that may fall from the sky, vehicles or other things that can crash into your home, smoke, vandalism, theft, etc. These are only some of the examples of covered perils.

Why condo insurance?

Mortgage lenders and homeowners associations usually require condo owners to have insurance.

How much condo insurance do I need?

Depending on what your homeowners’ association insurance covers, you need to determine what you’re not covered for when dealing with the following in case the inevitable happens. This would include the cost it would take to rebuild or get a new condo unit, as well as your personal belongings.

What is the difference between homeowners insurance and condo insurance?

With homeowners insurance, you need to insure your entire property structure and personal possessions; while with condo insurance, only the interior structure and personal belongings are insured.

[yourteamais]

What Renter Needs to Know About Their Insurance

A Matter Of Necessity

Purchasing renters insurance to keep your personal belongings safe may seem unnecessary until you actually need it after a theft or fire in your rented apartment. Sure, it may not be an everyday occurrence but isn’t it good to have something and not need it, than to need something and not actually have it?

Why Renters Insurance?

Regardless if you’re renting for many years or just starting out, renters insurance policies provide great benefits and coverage. If a fire, theft, or similar event destroyed your apartment or home (and you didn’t have renters insurance coverage), you would have to replace everything you own out-of-pocket. Also, if anyone who enters your home claims you caused them injury or damage to any personal property they brought into your home (without the right insurance protection) you could be sued and end up paying that person. YIKES!

As you think about whether to get renters insurance, there are a few things you need to know:

Renters Insurance gives you protection for Off-Premises

You can file claims for Forced Relocations

You can find out the coverage you need by conducting a regular Home Inventory

You Can Reduce Your Renters Insurance Costs

Making sure your insurance has the right coverage is imperative. Don’t hesitate to ask your insurance agent for help in understanding your coverage either. Because at the end of the day, you want to make sure everything you’ve worked hard for is secured and protected.

#renter #renters #renters insurance

[yourteamais]

Workers’ Compensation Insurance

Maintaining your employees’ safety at work is imperative to most business owners, big or small. But when a workman or any employee suffers an injury, workers compensation provides your employee the coverage with the right protection they need, and leaves you with a peace of mind that they’ll be safe and can return to work.

The objective of workers’ compensation insurance is to assure protection for you and your employees. Workers comp insurance is meant to:

Help for companies in different types of businesses

Boost safety for employees

Prepare employees for returning to work or at least slowly transition employees

Give access to education and training for new skills

Most states need companies with employees to have workers’ compensation insurance. But workmans’ comp requirements are different in each state. When someone files a claim it has to be made by the injured or sick employee. Employees can get workers’ compensation insurance, despite of who is to blame for the injuries or illness.

#workers comp audit #instabiz #besafe #businessowners #businessowner #peaceofmind #work #businesses #injury #compensation #protection #workerscompensation #safetyatwork #employees #employee #owners #workers #worker #coverage

[yourteamais]

How important is workers’ compensation in your business this covid-laden 2020? (and going into 2021)

Given the global effect of COVID-19 now across all industries, with many businesses closing, is getting this program still relevant?

Learn more

#biz #workers #worker #businesspassion #workers comp #workers comp exemption #workers comp insurance #workers comp codes #workers comp class codes #workers comp exempt #workers comp calculator #workers comp audit

[yourteamais]

Photo by cottonbro from Pexels

Farms, Ranches and Workers Comp

Human resources or manpower is said to be the most important resource in any industry, with Money and Machine as the other two.  Without the former, any industry will have a harder time to be fully functional.  

Learn More

[yourteamais]

So what qualifies as high-net-worth insurance when it comes to homeowners? Some insurance carriers would consider a certain home qualified high-net-worth if the total home value exceeds $750,00 and there is no telling about the ceiling.

Read more here

[yourteamais]

7 Ways to Pay Less for Custom, High-End Homeowners Insurance

When people talk about purchasing high-value property, what usually comes with it is getting homeowners insurance for protection. And when we talk about protection, it’s not just about being able to have your home fixed in case of unforeseen events such as natural disasters or accidents. We’re also talking about financial protection for you, as the homeowner, so that you are not hit by financial expenses you are not prepared for—or worse, expenses you won’t be able to afford when an unexpected situation presents itself.

What people sometimes forget to consider is that there are ways to pay less for high-value homeowners insurance and we’re not talking about just $50 or $100 each year.

If you’re researching ways to save money on your high-value home insurance because you’re planning on purchasing your very first home, then you’re certainly at the right place at the right time. And if you’re not a first-time homeowner, you might find yourself wondering why you didn’t do your research sooner. But hey, what’s important is that after a few minutes of having read this article, you’ll realize you could be saving a few hundred dollars— if not thousands—sooner than later.

Get Things Right from the Start

Why is it important to get things right from the start?  Did you know that the type of home you buy, where it is located, what safety features it has, among others, can affect how much your homeowners policy premium is going to be? Here are some factors that insurance companies look at when gauging the risks involved in regards to insuring your home:

Location - Is your home located in an area prone to earthquakes, floods, or other natural disasters?  Is your home located in an area that has a history of theft and violence?  Are there fire hydrants or a fire station near your property?  These are a few things you need to consider before deciding which home you’re going to buy because it’s not just about your safety, it’s also about the lifetime costs involved.

Safety and Security - It is definitely important to consider what safety features your home has at the time you get your homeowners policy, as well as safety risks that your home might have. For example, having a smoke, fire alarms and fire extinguishers near wood-burning stoves and fireplaces are plus points, including CCTV cameras or a monitoring system. On the other hand, swimming pools and trampolines are examples of safety hazards that will cause your homeowners insurance premium to go up.  Your homeowners insurance will be paying for personal liability and this includes accidents that happen in your home or property.  It is therefore understandable that insurance companies will not disregard safety hazards in any way.

Age - If you plan on buying a pre-owned home instead of a newly built one, it is important to consider when the property was actually built.  Your insurance company most certainly will.  Why?  Because as time goes by, parts of a home such as a roof and plumbing naturally deteriorate.  And as they do, susceptibility to damage and even more deterioration increases thereby increasing the insurance provider’s risks as well.  In other words, the older the home, the higher the cents per hundred dollars will be in terms of your premiums.

In addition, when you start with a higher premium and increases are based on percentages, then you’re always going to pay more because you started with a higher dollar value. For example, if your home is insured for $5,000,000 and after having considered the risks involved, you start with an annual premium of $12,500 and rate increases are around 2% each year, your premium the following year would increase by $250; whereas if you started with a premium of $10,000, next year’s premium would only cost $200 more and you pay $10,200 instead of $12,750. This effectively frees up $2,550—which would be around the price of two iPhones or two MacBooks you can give your kids or valued employees.

Research and Compare Prices

Whether you are looking to purchase your very first homeowners insurance or wanting to check market prices, it is always best to do some smart shopping.  What do we mean by smart shopping?  Don’t just go asking your best friend or nextdoor neighbor about your homeowners insurance.  Remember that your needs may be different from theirs.  Their property portfolio may be different from yours.  And even if they were insurance agents, don’t settle for just one quotation. Get 3 or 4, or better yet, speak to independent brokers who can suggest a couple of companies based on your requirements. They can help you answer your questions and compare the benefits you get from each company.

When considering getting high-value home insurance, you should also look into the company that you will choose to underwrite your policy.  Here are a few things to consider:

The number of years the company has been in the market.  You are purchasing homeowners insurance to ensure finances won’t be an issue should there be loss or damage due to any reason covered by the policy.  Naturally, you would want to make sure that the company with which you are entrusting your home would still be around if and when you should need their assistance in the future.

The insurance company’s ratings. Companies such as AM Best and Standard & Poor’s provide the public with some insight into how well a particular insurance company is doing by giving them ratings that correspond to certain factors such as financial strength and long-term/short-term issuer ratings.

Customer service and claims experience reviews.  There are websites out there where other people rate and leave comments about their personal experiences with a particular insurance company. You might also have family or friends you know recently made a claim—it won’t hurt to ask about their experience.

Ask About Discounts

Bundle Discounts - Most companies would offer discounts when you get both your homeowners and auto insurance with them.  Just remember that having been given a discount already means you’ve been given the best deal in the market. Shop around and compare your total out-of-pocket. For example, you can get individual policy prices and bundled policy prices, and then take the lowest individual prices and see if the total amount would be less than the bundled rates. Of course, note that you should be comparing apples to apples. Make sure that the insurance policies that you are comparing have the same coverage and limits.

Home Improvement / Renovation Credits - Some people are more particular about maintaining their home and making sure that it’s in a good condition. So, if you’ve upgraded your home’s security features or you’ve had a new roof installed since you last paid for your policy, then you should let them know of any upgrades because they might give you credits for the upgrade, which will result in a lower premium.  The same goes for having removed amenities or structures that are considered safety hazards such swimming pools or trampolines.  If at the time you got your policy you had a trampoline at home, it would have been a factor that meant a higher rate for your homeowners insurance.  Now that you’ve disposed of it, it might be worth the time and effort to let your agent know and see if would mean a lower premium for you.

Loyalty or Renewal Discounts - Every year, before renewing your policy, check if any renewal discount would be applicable.  You can let your agent know that you check market rates once a year and would like to know their best price before you shop around.  Some companies would also give long-time clients loyalty discounts.

Gated Community or Homeowners Associations - If your neighborhood recently established a homeowners association and has increased the level of security in your community, then this is worth letting your insurance company know about.  When your home is located in a more secure location, it means less risk for the insurance company and they will certainly take that into consideration when it comes to computing your premium.

Additional Safety and Security Measures - this would include high-tech sensors or smart homes, impact resistant roofing, water protection devices, thicker glass windows that would be more resistant to breakage, and the like—anything that would mean your home is at less risk of being broken into or damaged due to accidents or natural calamities such as hailstorms.

Discounts Based on Your Personal Profile - some may find this surprising, but you might actually get a discount depending on your profile—whether or not you smoke, what your occupation is, whether you’re a retiree or a senior, whether you’re single or married, or even whether you have kids or not.  If you don’t have a mortgage, then you might get a mortgage-free credit.

Not all companies would offer discounts for all the same things, but guess what?  Most of the time, you won’t know what discount you can get unless you ask.  Remember, there’s no shame in wanting to get the most value for your money.  As they say…money doesn’t grow on trees.

Maintain a Good Credit Score

Insurance is essentially risk management.  So, it wouldn’t be surprising that insurance providers take it into account and treat you favorably when you have a good credit score.  For them, it shows you are capable of handling your finances well, which makes you a potential long-term client.  To add to that, over time, data has shown a direct relation between credit score and claims incidence.  The better the credit score is, the lower the number of claims incidence is.

Raise Your Deductible

What are deductibles?  A deductible, in simple terms, is the amount you would be paying out-of-pocket in the event of a claim before the company starts paying you for a covered loss.  Note that homeowners deductibles are on a “per claim” basis.  This means that if you’d ever have to file a claim three times in a year (yes, that would be very unfortunate but not exactly impossible), then you’d have to pay the deductible three times that year.

How does raising my deductible help?  The higher your deductible, the lower your premium—this is how it goes.  So, if you live in a relatively safe neighborhood, for example, and history tells you that your area isn’t prone to natural calamities, then it would seem that the risk of having to make a claim is rather small, and the savings you get from the lower premium, could be set aside to add to your emergency funds.   However, if you live in an area where there’s at least 1 earthquake or flood in a year, or robbery is common, it might not be worth the risk.  If you could, ask for your new home’s claims history, if any.  Bottom line is, whatever you decide, it’s important that you would be able to afford your deductible should the time come that you’d need to make a claim.

When do I get paid by the insurance company?  Your claim will be paid after you’ve paid for the deductible first.  So, in a scenario where your policy states that you are covered for upto $5,000,000 for damage to your home, your deductible is $10,000, and you have a claim for $1,000,000, you will have to pay the first $10,000 in expenses and then your company will pay you $990,000 (coverage minus the deductible).

If I’d have to pay for the deductible each time I file a claim, wouldn’t that put me in a bad situation if I couldn’t afford the deductible?  Yes, it would.  In effect, your claim won’t move forward unless you can afford to pay the deductible.  This is why it’s very important to make sure that the amount you choose for your deductible is an amount that is readily available at all times.

Maintain Your Home and Improve Your Home’s Safety and Security

Home and property maintenance can go a long way.  If you were to gauge the risk of a claim, wouldn’t you say that the risk of a claim is greater where the home was built 15 years ago and its plumbing and electrical system have been the same since, as compared to a house that was built 25 years ago but had recently upgraded its plumbing and electrical system (i.e., pipes and electrical wires checked and replaced with new ones)?  The same goes for upgrading safety and security measures.  Aside from providing a higher level of safety for yourself and the members of your household, insurance companies will view proper maintenance and improvements in your home’s safety and security as a lower risk of having to pay a claim.  This then translates into lower premiums.

Review Your Policy Coverage, Limits, and Exclusions Once a Year

If you are now looking at ways to pay less for high-value home insurance, for certain, you have been around long enough to know for a fact that a lot of things can happen in a year—even in just a month.  And some things, you might not even remember unless you intentionally try to recall or do something that would make you remember.  So, what are we talking about here when it comes to your high-end homeowners insurance?

Your homeowners insurance has many different aspects to it—the items covered, how much those items are valued at when it comes to replacement cost, the coverage limit which comes in when it’s time to make a claim, and your deductible, to name a few. 

In terms of the changes that can happen within 365 days that might affect your coverage and how much you pay for your homeowners insurance policy, let’s go ahead and get into a few examples:

It can be as trivial (or so it might seem) as getting rid of your trampoline because you realized no one’s using it and it had become a clutter in your home.  This affects your policy in two ways—you have one less item to cover and since that item is considered a safety hazard, your home is now considered to be less of a safety risk that it was when it was last evaluated.

It can involve having sold a million-dollar painting or a twenty-five-thousand-dollar piece of jewelry.  You might have given your favorite nephew a bottle or two of vintage wines from your collection as a wedding gift.  Doing so would have automatically reduced your personal property coverage requirement.

You might have upgraded your security cameras or replaced your 20-year-old roof—which would gain you leverage in asking for a discount from you agent.

If you’ve had your home remodeled and decided to add special features that would lessen the risk of damage or loss, or your neighborhood had since established a homeowners association and have implemented safety and security measures, you might be eligible for a discount.

Perhaps you’ve set aside additional funds that will allow you to raise your deductibles, then that might also lower your monthly premium or even allow you additional discount if you can make a one-off payment for the annual premium instead of paying monthly installments.

These, and many more, could all affect your total coverage, replacement cost, required limits, etc.   As with any financial matter that involves so many variables, it is always best to keep things current and up-to-date.  Not going through the details of your policy each year and not taking into context anything you may have acquired or disposed of after your last policy renewal, could literally cost you thousands in premium payments. Worse, you might already be underinsured without realizing it.

At the end of the day, when it comes to your high-value home insurance, it is best practice to be diligent about things.  After all, we are not talking about just a few dollars here and there.  Add your policy’s maturity date to your calendar and plan on talking to your agent two to three months ahead so you can also get things well-organized.  Otherwise, putting off things might mean being stuck with the same policy for another year, either paying so much more than you have to or being underinsured.

#homeowners #homeowner #insurance #homeownersinsurance #homeownerinsurance #highend #luxuryhomes #luxuryrealeastate #luxuryproperty

[yourteamais]

Good morning 😃 Instagram Family Have a great day #Home #Dental #Vision #Ohio #risk #Training #american #Community #Family #twins #insurance #black #white #latino #asian #teamjtai #ghana #love #happy #georgia #atlanta #benefits #coverage #health #Medicare #Medicaid #Life #africans #Ellenwood #TheCIOSGroup (at Youngstown, Ohio) https://www.instagram.com/p/CE4Cviwn_7_/?igshid=9s91fbrfz9jm

#inspiring #reblog

[yourteamais]

How to Protect Yourself against Workplace Harassment

Workplace harassment is not a new thing to hear because it is something that has been making headlines across the world. Some of the claims are true, others are not, but at the end of the day, it will affect you as an individual or is a business. This is especially when it comes to sexual harassment and as an employee and employer, it can affect you and what you need to do is protect yourself against such claims in case they come. This is because the moment you start dealing with such lawsuits, you can be very sure that it will be very damaging to your name but most importantly it will cost you a lot when it comes to financial implications. That is why you need to take the appropriate measures to protect yourself against such claims and the best way you can do that is by ensuring yourself. It is classified in the employment practices EPLI Insurance which is some of the states is mandatory and others. It is not.

The good thing is that there are very many insurance companies that offer you this product so that you can be protected against any workplace harassment, including wrongful terminations, discrimination, sexual misconduct and many more. You need, however, to focus on buying the right policy and also on choosing the right insurance company that you can work with for this policy. The good thing is that there are very many companies that you can work with in Colorado when it comes to employment practices liability insurance that is very necessary to cover yourself against such issues in the future, which might be even tomorrow. Look for more facts about laws at https://www.youtube.com/watch?v=6oz_kzOQR0M

Anytime you are buying this policy, you need to ask yourself about the employment-related lawsuits pricing because it can vary from one company to another. You need to be fully informed because you need to work within your budget. Considering that you also don’t want to overspend when you can find a policy that is very affordable to save you a lot of money. Therefore, get different quotations and compare them so that you can find where you fit in very well without having to strain financially even as you protect yourself.

The other most important thing is to work with an insurance company that is reputable and also a company that is financially stable. This is because at the end of the day you want to work with the company that you are confident will come to your aid when you need them and more so a company that will be there in the future.

#insurance #workplace harassment #workplace safety #bullying

[yourteamais]

What to Know When Choosing the Right Insurance Company

When you are choosing an insurance company, you will need to know that you will be trusting your insurer with the hard-earned money. In case you have no social security card, then the insurance company you will select will play a huge role in securing a financial future for your family or business. It will, therefore, be very important that you consider making an informed decision when you are choosing an insurer. There are multiple insurance products offered in the market today and they are all different. Insurers also differ and they provide different products. Knowing how to select the best insurance company will not be an easy task but you must understand that when you take your time, you will make a decision that you won’t regret in the future. When it comes to choosing an insurance company, there are a number of factors that you will need to check on. Always keep in mind that not every insurance firm you find out there will be perfect for you and thus a lot of research and background checks will be necessary to ensure that you make the right decision. When you are aware of what you are looking for, it will become much easier for you to find what you are looking for. The following are some of the tips that one will need to check on when choosing sexual harassment training company.

When you are finding Sexual Harassment Insurance company, it will be necessary that you check on their area of specialization. Make sure that you know what are you are looking to insure and know your needs. make sure that the insurance firm you are hiring is the one that specializes in providing insurance coverage for what you want to insure. You must ask the relevant questions to the insurer to ensure that you understand more about them. In case you are in need of unique or even specific coverage, it will be important that you check on whether the insurance company will cover your specific needs.

The second thing that you will also need to check on when choosing an insurance company is checking on their experience as well as reputation. You want to be assured that the insurance firm you are hiring has been insuring individuals as well as businesses for long. You want to know if they meet their obligation when claims are raised. To know more about laws, visit this website at http://www.dictionary.com/browse/legal

#insurance #Auto Insurance #business insurance #dental insurance #sexual harassment #workplace safety

[yourteamais]

How to Protect Yourself against Workplace Harassment

Workplace harassment is not a new thing to hear because it is something that has been making headlines across the world. Some of the claims are true, others are not, but at the end of the day, it will affect you as an individual or is a business. This is especially when it comes to sexual harassment and as an employee and employer, it can affect you and what you need to do is protect yourself against such claims in case they come. This is because the moment you start dealing with such lawsuits, you can be very sure that it will be very damaging to your name but most importantly it will cost you a lot when it comes to financial implications. That is why you need to take the appropriate measures to protect yourself against such claims and the best way you can do that is by ensuring yourself. It is classified in the employment practices EPLI Insurance which is some of the states is mandatory and others. It is not.

The good thing is that there are very many insurance companies that offer you this product so that you can be protected against any workplace harassment, including wrongful terminations, discrimination, sexual misconduct and many more. You need, however, to focus on buying the right policy and also on choosing the right insurance company that you can work with for this policy. The good thing is that there are very many companies that you can work with in Colorado when it comes to employment practices liability insurance that is very necessary to cover yourself against such issues in the future, which might be even tomorrow. Look for more facts about laws at https://www.youtube.com/watch?v=6oz_kzOQR0M

Anytime you are buying this policy, you need to ask yourself about the employment-related lawsuits pricing because it can vary from one company to another. You need to be fully informed because you need to work within your budget. Considering that you also don’t want to overspend when you can find a policy that is very affordable to save you a lot of money. Therefore, get different quotations and compare them so that you can find where you fit in very well without having to strain financially even as you protect yourself.

The other most important thing is to work with an insurance company that is reputable and also a company that is financially stable. This is because at the end of the day you want to work with the company that you are confident will come to your aid when you need them and more so a company that will be there in the future.

#workplace harassment #EPLI #advantage insurance solutions #insurance

[yourteamais]

California Harassment Laws | Advantage Insurance Solutions

When you run a business, it's particularly important that you get to know all about your potential liabilities and how you can address them.  In this regard, civil cases are always a possibility. Harassment happens to be one of the most common forms of workplace civil litigation. Business aside, it pays to understand harassment in all of its forms if you ever run into a personal issue. Watch the video to learn more!

#workplacesafety sexualharrassment preventionworks

[yourteamais]

Keeping the peace inside the workplace is one of the main goals of all companies. And receiving a claim regarding sexual harassment can cause not only commotion but also questions about the safety of the work environment. Owning a business and keeping healthy surroundings is but a challenge indeed. Hence, as an owner, you must be prepared in any kind of situation. No matter how ugly things can get; learn to manage it. Be cautious about how the management will handle the situation. Remember, it is your duty to prevent any further damage.

#sexualharassment sexual harassment business liability

[yourteamais]

WHAT YOU NEED TO KNOW ABOUT DENTAL MALPRACTICE AND TAIL COVERAGE

Here is a list of the more common reasons for patients to file a malpractice lawsuit against a dental health professional: 

Complications from bridges and crowns

Infections 

Death resulting from negligence 

Injuries from a root canal procedure 

Problems arising from tooth extractions 

Injuries to oral nerves 

Failure to diagnose oral cancers or other oral diseases 

Anaesthesia complications

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