You hope to not have to use it, but your employee liability plan can be very useful in certain situations. However, if not handled properly you could miss out on some benefits. Below are a few tips to get the most from your liability plan.
Know Your Policy
It is your responsibility to read and understand your policy. When you examine your plan there are a few key things that you should look for, including:
- Key benefits
- Scope of benefits
- Benefit caps
Stay Up to Date
Periodically your insurer may make changes to your policy. Though they will inform you in such instances, it is a good practice to take time to periodically examine your policy for any new changes. This can also help you to stay familiar with the different aspects of your policy.
Utilize Your Agent
Your agent is there as a resource and you should take advantage of that factor. In the case that you need to file a claim, ask the agent any questions you may have and have them review your paperwork to make sure that you have everything in line. This can help to ensure an expedient process.
Being that you are paying for your employee liability insurance service, you should get the most that you can out of it. By heeding the aforementioned tips you can do just that.