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Three Concerns for the Manufacturing Industry

Orlando insurance for manufacturers

While manufacturing companies continue to provide foundational support for all manner of industries and services, there are several risks inherent to operations that incite safety and financial concerns. Fortunately, by looking into Orlando insurance for manufacturers, you can help address these three concerns in the industry.

Serious equipment failures. Not only does a malfunction in equipment increase the potential for a safety incident, but the inability to produce or offer a service can also result in financial loss. Outsourcing repairs can be costly, just as trying to operate it without full use.

Inexperienced talent. It takes a working knowledge of both the physical equipment and the control processes of the industry to run an efficient but productive operation. Securing the talent necessary to maximize services and production will require comprehensive employee benefits packages that address workers’ compensation.

Property and location. Having the right location, in that, you have the size and expanse necessary to carry out your responsibilities, is important to customer awareness, improving safety measures and establishing growth opportunities. However, owning or renting property comes with additional risks and concerns for both safety and security.

Many agents specializing in Orlando insurance for manufactures will have experience addressing these potential liabilities with comprehensive insurance policies. Their expertise can share the benefits of coverage for everything from equipment to property.

Insurance That Works Hard as You Do

northstar insurance company

You have worked hard to achieve all that you have. Unfortunately, incidents and emergencies can happen that can leave you stranded. Thankfully, the NorthStar Insurance Company is here to help you through whatever comes your way.

NorthStar is proud to offer an array of services for you. We serve your community by creating business or personal insurance packages, surety bonding, employee benefits and risk management services.

Affordable Business Insurance

Over our two decades of history, we have served a variety of industries. We are qualified to cover real estate, manufacturers, tech, hospitality, healthcare, construction, landscapers, contractors and many more.

We can work with you to build a package that suits your industry’s needs. For example we provide:

  • Property
  • Auto/Fleet
  • Inland Marine
  • Pollution Liability
  • Errors & Omissions
  • Product Liability
  • General Liability
  • Employment Practices Liability

NorthStar Insurance Company also offers professional liability, environmental, surety bonds and other relevant coverages for businesses.

Reliable Personal Insurance

We also work to protect you and your family. Our company is happy to offer homeowners, auto, life, disability, watercraft, personal property and personal umbrella insurance.

Our knowledgeable agents know the ins and outs of the industry. They are eager to help you succeed in your personal and financial goals. Be sure to contact our agency today to start building a package that works with your budget.

Why Custom Staffing Firm Insurance is Crucial

Medical staffing firms employ highly trained staff and provide healthcare facilities with them. The medical staff may specialize in a variety of occupations. Physical therapists, medical technicians, nurses and other staff are employed on a temporary or permanent basis. As a medical staffing firm, you still need insurance.

In fact, it’s crucial to have customizable medical staffing firm insurance.

Liability Claims

If a member of your staff is in the middle of a negligence suit, this usually will impact your company, rather than the facility. If there are any claims of malpractice or negligence, you have to be ready to deal with it. Depending on the type of medical staff you employ, you need to consider liability coverage.

Property Damage

Whether it’s your property that is damaged or equipment that travels with your staff, you aren’t always going to have the money to make repairs or cover damages. Customizing your insurance to fit the equipment and property you own is imperative to ensuring that you don’t break your business replacing any damaged or lost property.

Keep in mind that no matter what type of business you run, insurance is always crucial. It protects you and your staff. Medical staffing firm insurance is particularly important because there are very specific risks involved. Tailoring your insurance to your business is crucial.

The Best Practices for Vendors from Employment Agencies

vendor management services

A vendor is categorized as anybody who provides services or goods. For an employment agency, vendors are the backbone of the agency providing qualified individuals to clients looking to fill a vacant spot on their teams. The types of skills sought after by these businesses vary, but thanks to vendor management services, businesses can more easily find individuals with the talents needed to help them succeed.

Staying Organized

With careful planning, organized business operations and the help of modern-day technological aids, employment agencies have many tools to succeed. Using these strategies can help ensure that as soon as a client needs a vacancy filled, they are able to easily contact the agency, who then finds the best match, contacts that individual and gets all necessary contracts squared away. These are key practices that can help lead to an agency’s success. Some of these tools include:

  • Up-to-date skills assessment programs for candidates
  • Efficient programs that can store, retrieve and relay information between agents, clients and employee candidates
  • Advertising tools that recruit new talent and attract potential clients

Protections for all Parties

Vendor management services can be a tricky field to navigate. Because employees and contractors move back and forth between agency and the client’s location, having insurance tailored especially to a business’s special needs and exposures can help provide confidence that parties involved are covered during the multiple steps of the recruitment and hiring process. Discuss options with an insurance agent specializing in employment services to explore your options.

3 Insurance Needs for Interstate Truckers

interstate trucking liability program

Transporting goods across state lines is regulated by the Federal Motor Carrier Safety Administration (FMCSA). The FMCSA requires truckers to carry certain insurance when driving between different states. To ensure you have the coverage you need, look into an interstate trucking liability program.

Physical Damage

Accidents often cause physical damage to the truck that needs to be repaired or replaced. Most finance companies require physical damage insurance. Even if you own the truck outright, the insurance is a good idea to maintain.

Cargo

Many limits for cargo hover around $100,000 but can change depending on what you haul. The FMCSA doesn’t require it, but damaged goods in your possession due to an accident can be expensive to replace. This insurance helps carry the burden of that cost.

Bobtail

Bobtail insurance may not be needed if you have primary auto liability insurance and are an owner-operator. However, if you lease the truck, bobtail insurance may be required by the lease company. Check the lease agreement for your specific liabilities.

When the trucker is at fault, you need the right interstate trucking liability program to help you sort out the mess. Not having the insurance can be a costly expense in the event of an accident. Liability insurance protects you and your truck while keeping you in compliance with FMCSA.

Protecting Your Cargo

Protecting Your Cargo

Those in the business of operating motor trucks or any of processes involved with transporting goods from one place to another, provide a much-needed service. Oftentimes, these goods are time-sensitive, costly and vital to the business of the client. With these valuables in your possession, you may be wondering how to get cargo insurance to protect against any unforeseen circumstances. Luckily, with customized plans available, you can get the right coverage for your needs.

Put Your Worries at Ease

Even for the most experienced professional, it is still possible for mishaps to occur at the multiple stages of transport. Having cargo insurance is a practical investment in the following scenarios:

  • The value of the cargo is higher than the limits on a typical plan
  • The type of freight being transferred needs specialized coverage
  • The cargo needs coverage while being in stored or warehoused

Customized Options

You may find that the type of cargo insurance available and their costs will vary on a variety of factors. To avoid any potential disputes among the shipper, transporter and the receiver of goods, it is important to be aware of what contract terms cover and what might need to be supplemented with additional insurance. Speak to an agent today to discuss options on how to get cargo insurance that fits your needs.

Basic Insurance Coverage For Medical Staffing Firms

Medical staffing firms operate in a high-risk environment. With the possibility of facing a lawsuit lurking at every turn, having the right amount of insurance coverage is of utmost importance. As you search the internet for various insurance programs for medical staffing, here are the most important coverages that you’ll want to include in your policy.

Professional Liability Insurance

Also known as malpractice insurance, professional liability insurance is required in the medical field. It protects your firm in case a lawsuit is brought against one of your contractors claiming improper treatment of some sort. Claims covered by professional liability can range from improperly administering a patient’s medication to not reporting bed sores.

General Liability Insurance

General liability is the broadest form of liability insurance. It protects your firm in case a third party suffers bodily injury or property damage because of your business. One of the more likely scenarios for medical staffing firms is someone slipping and falling on your premises. General liability coverage can also be used to respond to allegations of libel and slander.

Workers’ Compensation Insurance

Workers’ compensation is required in 49 states and it’s used to cover expenses related to on-the-job injuries to employees and contractors. All legitimate insurance programs for medical staffing firms are going to include workers’ compensation because facilities aren’t going to accept your employees without the staffing firm having such coverage.

Other coverages can be added to your policy depending on your needs. An experienced agent can help you customize your policy to appropriately cover all your bases.

What Insurance Should You Get for Your Temporary Staff Members?

temporary staffing insurance

Insuring your company and its employees is an important part of caring for a business. Things can go wrong and accidents happen, so having an insurance program that has been carefully tailored to your business’s needs can save you and your company from trouble and financial loss.

In the case of coverage for employees, there are many basic types of policies made to protect them and anything that may poorly affect your business. However, when you have an agency to hire out temporary employees to different clients, some specified temporary staffing insurance is required to cover more than what’s standard.

Why Do You Need Special Insurance?

Most general liability policies that cover qualities such as property, professional acts, crime, etc. often are made to be limited to a specific are. That is, general liability often covers anything that happens within the premises of your business, meaning your company building. However, once an employee is hired out to a client and does work for them, basic insurance does not reach the client’s workplace or company. The temporary employee will not be covered by the client’s insurance, so any harm done or caused by them will have to be paid by your business. Temporary staffing insurance, however, extends coverage to wherever your employee goes to work. It’s safe to consider this type of coverage so that anything going wrong with your employee doesn’t create financial loss for your business.

Benefits of Using an Insurance Wholesaler for Your Marine Business

Boat builders insurance wholesalers

Business owners shop around for a variety of insurance needs regardless of niche or industry. Marine businesses have additional risks they must address. Rather than doing all the legwork yourself, consider using an insurance wholesaler. Boat builders insurance wholesalers offer services not available with traditional insurance agencies.

Featured Benefits

Business owners are constantly looking for ways to save both time and money while still getting the best deal. Enter the insurance wholesaler. Some of the best reasons to use boat builders insurance wholesalers for your insurance needs include but are not limited to:

  • Years of experience working in the marine industry
  • Offer risk management services
  • Competitive pricing and flexible, comprehensive coverage options

Time Savers

Marine businesses often need more than one policy to effectively cover all exposures. Since an insurance wholesaler handles the majority of the market research, they can save your company a significant amount of time. They know where the best deals are and the coverage options your business needs.

Whether you build, sell, repair or otherwise cater to the marine industry, boat builders insurance wholesalers can help you find the right insurance for your business at the best cost. Comprehensive coverage that meets your needs can save you money and hassle. In business, time is money. Save both with an insurance wholesaler.

“Guesstimating” Your Coverage Cost

quick insurance estimate

If you are shopping for a new insurance policy, you might find you don’t even have to talk to an agent in order to get a rough estimate. Even in areas of industry specialization, the use of internet technology offers opportunities for a quick insurance estimate. There are several things you will need to have in order to make use of this great service.

Know What You Need

There are many different types of insurance policies available for a small business. By understanding the needs of your business and the most comprehensive coverage option, you will be in a better position to complete a form generating a quick estimate.

Have Your Information Ready

Once you have determined the best type of policy for your business, you can generally find a quick quote form on a company website. You will be asked to provide the details important to generate a substantial quote. This will range in specifics from location, revenue, number of employees and potentially any past claims you may have filed. Being prepared allows you to complete the form in a timely but accurate manner.

Even though you may provide the best information, keep in mind that a quick insurance estimate is still just an estimate. More than likely, you will receive a follow-up call from an agent to discuss a potential policy.