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Keeping your insurance customer database current can be a frustrating job, especially if you have amassed thousands of names and email addresses. You may have built that database through a combination of resources, with information coming not only from your email marketing efforts and the monthly newsletter you put out, but also from links to your social media platforms. Accuracy is vital and the best way to go about ensuring that your insurance email lists have correct addresses is to use the email append service offered by experienced professionals.
Accuracy and Quality Control
The company you choose to handle the updating of your customer database should gather together your contact names, company names and postal addresses. These will then be matched against a master database of some 30 million business records. Finally, every email will undergo verification and the updated database returned to you in the original file format. Handling the entire process in-house ensures excellent quality control.
Reduce the Risk of Losing Customers
Insurance email lists are extremely valuable. They help you increase business, allow you to cross market and ensure that you retain valuable business relationships. Depending on a reliable email append service will help you make the most of your database. Keeping it in good working condition will go a long way toward helping you grow your business and avoid the risk of losing customers.
Are you looking for an insurance agency in New Mexico that can meet all your needs? Whether you are a contractor, healthcare professional, electrician or manager of a public entity, you have certain risks associated with your industry. You need protection from an insurance policy that will cover all the bases. The following are three qualities to look for in your insurance agency to make certain you’ll receive the best coverage.
- Vast Knowledge You may want to look for an insurance agency with a vast knowledge about multiple industries. There are different products that each different client will have, and its important your agent knows what products will be required for your specific business. Technical knowledge about legal aspects of those products is also helpful.
- Customer Service Skills When you’re dealing with insurance, the way your agent interacts with you is important. Working with someone who puts your needs ahead of their own is a great way to ensure your policy is the very best for your situation. If your agent can answer the questions you have in a timely manner, its even more impressive.
- Honesty Your insurance agency should employ agents who are willing to stay honest no matter the outcome. If you feel you can trust your agent, you have probably found a great agency to work with.
As you can see, there are certain qualities you should look for in an insurance agency in New Mexico in order to ensure superior service. Contact an agent today to learn more about what they can do for you.
When it comes to insurance, you purchase a policy to protect your assets and valuable items. In a business, there’s no other resource that is more valuable than your employees. But as a small business owner, you also want to ensure that you stay within your budget while finding solutions to potential risks. When you need Connecticut small business workers compensation insurance, work with an agency that understands insurance.
Make sure you get more out of your workers compensation insurance by asking your representative about:
- Workplace safety
- Loss control expertise
- Responsive claims handling and settlement
Connecticut small business workers compensation insurance gives you peace of mind for your business and it’s a benefit you provide your employees, even if the state mandates that you have to have this policy. Every business is different and faces different risks. Your insurance coverage should match the needs of your business and get workers back on the job just as quickly as possible.
Trust an insurance agency with a longstanding reputation in the business community. Maintain a relationship with your agent and get more out of your insurance to find solutions for the risks your employees face when they’re on the job. You’ll retain employees and reduce costs overall when you’re proactive.
Workers comp insurance is a tricky field to navigate, especially if you are a small business owner. A workers compensation insurance broker will be able to inform you of what you need so that you do not pay too much or lose out on essential coverages.
Figuring Out State Laws
Every state differs on what it requires concerning workers comp insurance. While it is always good to have, some states will financially penalize you if it is discovered you are operating without it. Some states may not require you to have it based on the number of workers you employ, so when you meet with a broker, you will need to know how many full-time employees you have.
Figuring Out Premiums
Your broker will also assist you in determining how much you will end up paying on the premium. The amount you need to pay will depend on your payroll and your industry classification code. The type of industry you are in also plays a role. Businesses that are viewed as high-risk usually need to pay more.
These are the basics you need to familiarize yourself with before meeting with your workers compensation insurance broker. The professional will be able to go over all these with you in greater detail.
In order to run a successful business, staffing agencies rely on their talented team of staff and temporary employees to showcase their expertise and dependability. But they are also quite aware that circumstances often develop where a job candidate or temp staffer may decide to sue the business over what they might perceive as unfair treatment, even going so far as to allege that the reason they weren’t offered, or were terminated from a position was due to a stance of a discriminatory nature.
For example, let’s say that a former employee makes claim that he or she was wrongfully terminated from their employment, and brings litigation against the staffing firm. Having employment practices liability insurance can help the staffing firm with defense costs as well as pay any court costs and settlements that often accompany this sort of accusation.
Why purchase employment liability insurance?
Obtaining employment practices liability insurance (EPLI) safeguards a business against the high costs associated with lawsuits as a result of charges of discrimination, harassment, wrongful termination, and other similar claims associated with unfair business practices.
A company would find it difficult to defend against any claim stating that they violated a person’s civil rights, or failed to provide a fair, acceptable environment for certain people to work in, without this coverage on hand. Temp staffing agencies often find they have a greater exposure since they, for the most part, do not have control & custody of their employees.
EPLI can cover your business when accused of anything from mismanaging employee benefits or wrongfully terminating employment, as well as claims that they wrongfully disciplined or demoted an employee, sexual harassment, damaging an employee’s reputation due to slander or libel, discrimination, based on age, gender, religion and race, or other such factors.
This also includes breaching an employment contract, invading an employee’s privacy, causing emotional or mental distress, or making negligent decisions related to hiring, promotions, or compensation.
If anyone in a management position violates legal protocols in the workplace, whether intentionally or not, the company could end up facing a lawsuit. Given that the nature of these claims often comes down to one person’s word against another, most companies would prefer to avoid being embroiled in a lawsuit, and purchasing employment practices liability insurance coverage is the right solution to what has become a very common workplace concern.
Kidnap insurance in PA may not be at the top of your business priorities, but it is necessary for the safety of your employees. If you send employees on business trips overseas, there is a heightened risk of political tensions that create dangerous situations for Americans.
What Is Covered
If an employee is taken hostage while conducting business in a tumultuous region, you need insurance to cover the expenses that typically accumulate. Expenses covered by kidnap insurance in PA include the following:
- Legal advice
- Travel expenses in the event someone must go to the area to manage the situation
- Lost income
- Expenses related to training temporary employees
- Public relations expenses related to managing company image
- Ransom/reward money for those with information
- Medical and/or psychological bills for the victim
- Lawsuits by the victim against the company
- Funeral costs
What Kidnap Insurance Does Not Cover
Kidnap insurance in PA will not provide coverage for a kidnap situation that occurs in a country against which the United States has sanctions. Your business should consult with experts prior to sending an employee overseas to find out if travel is allowed and learn how to be safe while there.
While a hostage and kidnap situation is the worst-case scenario when your business sends an employee overseas, it must be considered and protected against. Research the best options for your company when it comes to kidnap insurance.
Many small business owners have a difficult time purchasing workers comp insurance coverage per their states regulations. For some, it’s just too expensive; for others, the job to be insured is too dangerous. As an insurance agent, it’s your responsibility to match the policy to the client, so work with a wholesaler that has the ability to handle small accounts just as effectively as large ones.
Small Account Issues
Some reasons why small business owners find getting workers compensation coverage tough is because many insurance companies are only interested in larger clients. Corporations mean money, and the small enterprise might find itself being rejected due to its lesser needs.
Another issue is your client’s niche. If you’re looking to secure workers comp insurance for a business office, you probably wont have too much trouble. If your client specializes in demolition, well, you’re going to be more hard-pressed to find a suitable carrier willing to take on the risk.
Variety Is the Spice of Insurance
In order to cater to the specialized needs of small business owners, you should work with a wholesaler that has a strong presence in the insurance industry. Even if your client does work in demolition, a wholesaler that knows several workers comp insurance markets can secure the policy you need, alongside educating your clients in OSHA regulations and safety.
As an insurance agent, you hear stories of workers compensation fraud all the time. You know the fear employers feel and how fiercely they protect their insurance policies, or do you? The Coalition Against Insurance Fraud provides some interesting facts.
Just the Facts, Maam
According to the ACIF:
- 1 out of 10 small business owners think an employee will fake an injury/illness to get benefits
- 1 in 4 owners install CCTV systems to monitor their employees
- 1 in 5 business owners don’t know how to identify workers compensation fraud
- 58 percent of business owners fear employees who have a history workers comp claims
Those numbers are huge. Your clients don’t trust their workers, and what length will they go to protect themselves?
The ACIF provided another distressing discussion. In order to avoid having to secure workers compensation insurance or paying a claim, business owners have been known to:
- Lie about the number of employees on their payroll
- Pay employees under the table
- Classify an employee in a high-risk job as working a low-risk job
- Misclassify employees as independent contractors
Your clients don’t have to do this if you find an insurance wholesaler that specializes in workers compensation coverage for small businesses. Don’t let your clients become a statistic in workers compensation fraud. Match them with the perfect policy provider today.