Making your website mobile friendly is critical in this day and age, as the vast majority of people conduct searches for products and services on their smartphone. The most effective websites for insurance agents leverage a responsive design that is optimized for mobile use.
A Need for Speed
When it comes to mobile use, slow and steady does not win the race. People who conduct searches on their smartphone want a website that loads quickly and is easy to navigate. After all, they are likely surfing on the go and they are working with a screen that is significantly smaller than a laptop or desktop.
So if a prospect cannot obtain the information they need – for example, a quote – within minutes or even seconds, they will likely leave your website and go elsewhere to continue shopping.
Onscreen and In Charge
Reading text on your smartphone can be challenging due to the size and the lighting of your environment. This is one reason videos on mobile websites for insurance agents have become so popular with consumers.
Videos also give you the opportunity to position yourself and your business as the authority on the type of insurance you sell, building confidence and trust in your services. Plus, a strong verbal call-to-action can be quite compelling once you have established a rapport with prospects via videos.
Building your website with a responsive design is well worth the investment, as these websites for insurance agents attract more leads and help usher them through the sales funnel.
Hospices provide a range of care which extends beyond the physical, offering emotional, mental, and sometimes spiritual support for patients and their families. But while hospice workers carry the weight of the world for their patients, who carries that weight for them? Specialty insurance for hospices can go a long way towards alleviating the pressure placed on professional caregivers, allowing them to focus on their patients, rather than liability, while they perform their important work.
Continue reading for a sample of the protections hospices can gain from having specialized insurance.
Your corner is never empty when you have a comprehensive insurance policy for your hospice. Your insurance policy can provide coverage for general liability claims, such as accidents which occur on site, professional liability claims, such as potential staff error or negligence, and automobile liability claims related to vehicles used for hospice business.
If your hospice faces lawsuits from former or current employees, including but not limited to suits related to wrongful termination, harassment, or discrimination, your insurance can provide a helping hand with legal fees and settlements.
Patient data can be costly if mishandled, even if the mishandling is through no fault of your own. Specialty insurance for hospices can provide legal and financial defense against potentially devastating lawsuits or fines which might result from accidental HIPAA violations.
As you can see, hospices can face many legal and monetary challenges, but when they’re equipped with tailored insurance, they don’t have to face them alone.
When searching for the right kind of insurance in the area, you ought to consider warehouse legal liability insurance in Orlando, Florida. Warehouses, being very large and busy buildings, carry with them the possibility of many things not going the way you would want them to. From personal property and general liability coverage to flood and workers’ compensation coverage, you want to have an insurance company that will cover you so that you can keep your business running strong. Warehouse legal liability insurance is vital to your business because it protects you in the event something happens to a customer’s product or good while in your warehouse.
Customers are the lifeblood of your warehouse operations, as they are the ones sending and receiving goods and using your warehouse in the middle of the ordering, sending, and receiving. You therefore want to always please your customers and make sure their packages make it through your warehouse unharmed and to their final destination on time. Things don’t always go so well, and sometimes products get damaged or lost while under your control. This is why you want warehouse legal liability insurance in Orlando, Florida: the insurance company will deal directly with the customers to make sure they are compensated for the damage or loss. Your customers will be happy and so will you because you picked the right plan from the right company.
Owning a nightclub can have a myriad of benefits and be both an enjoyable and rewarding occupation. Similar to other occupations, you have to consider the potential financial risks and problems you can run into with owning your own business as well as the risks of providing alcohol. It is crucial to protect both yourself and your nightclub with coverage. Fortunately, nightclubs insurance is available for you and can decrease some of the risk associated with running your nightclub.
Even a small incident at your nightclub can leave you with significant losses. Insurance can be the difference from staying in business and being forced to shut down because of a lawsuit or claim that grows out of hand. Customers may ask for outlandish amounts and when you have an insurance company working with you, you can be able to pinpoint invalid claims and reduce your financial risk. Nightclubs insurance may also reduce some of the stress that comes along with owning a nightclub. You have enough to worry about running your own business and you should not be constantly fearful of a fight or incident leaving you with significant loss. As a smart business owner, it is vital to invest in your future by getting insurance to protect your business and yourself.
Lending institutions can take on different forms, from captive financial companies to community banks. Regardless, they all require obtaining and developing the right combination of process, people and vision in order to be successful while constantly navigate an evolving and fast-moving landscape. Banks and other financial institutions face challenges in having to adapt to regulatory changes, while minimizing exposure to systemic risk and anticipating the effects of economic shifts in a global community.
These institutions are no strangers to risk, especially in a business environment featuring stiffer competition and more regulation than ever before. Yet, by adapting these institution’s operations and services to stay in compliance and remain competitive, there’s the added risk of compounding its vulnerability to a variety of financial threats.
Banks face mounting risks
With the risks and exposures you face you need an insurance carrier that understands these complex operations and can determine what type of insurance for financial institutions will best suit your needs. The choices range from directors and officers insurance to commercial general liability policy, as well as a fidelity bond, which may offer a better insurance solution for your needs. Most banks agree that cyber, professional liability coverage is now an important policy to have, as well as property/casualty coverages, and others, many of which can be purchased as standalone coverage or you may opt for a suite of coverages.
You must also be protected from the types of things that can result in an injury just walking through the doors, like common slip-and-fall claims. Then there are the far more complex, evolving, and perhaps unknown perils that may lurk over the horizon. Bank robberies, while glamorized in films, are far more frightening in real-life, where tensions run high and life and death scenarios can put customers and employees at risk. In times like these, it’s critical to have a stable, experienced insurer that understands all of the ins and outs of your institution’s operations and can help with the many options available.
Speak to an insurer that really understands insurance for financial institutions and make sure to get the right coverage for all of your needs.
Every business owner knows that the right insurance policy is absolutely essential for your company. Those who provide insurance themselves probably understand this better than anyone. When it comes to insurance company professional liability coverage, your agency needs to have protection against an assortment of potential claims. You know how coverage works, so don’t take chances by agreeing to a policy that leaves your company open to avoidable liability issues. There is an appropriate plan that will work for your company and cover your specific policies, you just have to make sure you find the right insurer and ask the right questions.
The policy that works best for you will depend not only on the size of your business, but also the companies for which you provide. Insurance company professional liability is a specific type of coverage that should be adjusted for each policyholder. If you insure small businesses, your liability coverage might be different from another agency that works primarily with large firms. In either case, you need liability insurance that caters to the actual services you provide.
When it comes to professional liability, there isn’t an umbrella policy that works for every company. To make sure your agency gets the right type of coverage, find a provider that understands your industry and how your company operates.
People trust bankers to handle their money and assets regardless of whether they are an individual, corporation or government. In spite of this trust, the simple fact is that handling all that money carries with it a great deal of risk that can be mitigated with the proper banker’s professional liability coverage.
Liability Insurance Is Extra Protection
This kind of insurance policy serves as extra protection for banking professionals and their employees from any legal action against them stemming from alleged errors or omissions. These claims of errors or omissions can come in many different shapes and sizes. Some alleged actions that might lead to a lawsuit include,
An advisor might have suggested a product that was unsuitable for a particular investor.
Financial products might have been wrongfully sold for an investor.
The risks of a given financial product might not have been properly disclosed.
Regardless of whether the lawsuit has merit or not, it’s going to takes money to defend against it. With the proper banker’s professional liability coverage in place, the cost of fighting the suit is covered by the policy. This is just one of the reasons that the smart banking professional is going to want a liability policy covering them.
Architects and engineers professional liability insurance is some of the most important insurance available today. It is critical to have the right insurance for any major project, but architecture is particularly complex and has high standards to insure public safety. There are many ways in which this is an essential part of any proposed architectural plan. Potential liabilities are numerous because of the intricacies involved and litigation does occur. Understanding how to navigate the insurance world as architectural and engineering firms or employees goes a long way toward simplifying the process for all involved. Knowing what is at stake is half the battle.
In terms of architects and engineers professional liability insurance, the truth is that corners cannot be cut. So it is right to look around at options and consider the best move forward for a firm looking to insure against litigations that could arise. Though planning around them takes some time, there is an overall payoff for any firm doing the right homework and finding the right policy for their work..
Remember that any legal matters that can be mitigated through proper insurance will have an almost immeasurable payoff. It is not worth the risk to go without and find your firm in the middle of a legal battle.
To reach the biggest pool of customers, manufacturers often must ship their goods across oceans. When they put a product onto a ship, it encounters many potential hazards. Without the right contingent cargo coverage, manufacturers risk significant financial loss during the shipment chain. To ship with confidence, diligent business owners take a three-pronged approach.
Before manufacturers can purchase coverage, they must understand the unique risks associated with shipping goods over the sea. While no manufacturer can plan for every eventuality, the most common risks associated with shipping cargo are the following:
Work With the Right Provider
State law does not regulate contingent cargo coverage. Therefore, policies vary widely in what they cover. Because manufacturers aren’t insurance experts, they often cannot select the right policy without working with an experienced provider. By relying on the expertise of a knowledgeable insurer, manufacturers purchase independent cargo policies to allow them to ship without worry.
Purchase Insurance Coverage
Depending on business needs, manufacturers purchase independent coverage to protect their goods during oceanic transit. While every policy is different, many include the following types of coverage:
International and Domestic Coverage
Total Loss Insurance
Instead of leaving protection of goods up to the carrier’s insurance provider, smart manufacturers opt for purchasing their own coverage. By tackling the task with a three-pronged approach, business owners get the coverage they need to ship with peace of mind.
Employment practices liability claims have been on the upswing for a long time and even the best of companies can end up being sued for issues such as wrongful termination, discrimination, or sexual harassment. Over the past 20 years, employment-related claims have risen 400%, with wrongful termination suits comprising over half. These types of lawsuits have become so common that most businesses will face one or more at some point in time, with the only questions relating to when, how much will it cost, and how much damage will it do to the company’s reputation.
Reasons for Increase in Lawsuits
In part, due to federal and state legislative efforts to ensure a more diverse workplace, the three original classes of employment lawsuits have expanded to include the following:
Failure to hire
According to industry experts, the four most common types of employment practices claims are:
Pregnancy discrimination claims
Claims related to unpaid interns – are they employees or not?
Allegations of illegal background checks
Using or requesting genetic information from employees or applicants
The size of awards has escalated over time, too, along with the increase in the number of claims.
How You Can Protect Your Company
To reduce costs, smaller or private companies will sometimes forego purchasing insurance. This decision could lead to devastating consequences. Your single biggest line of defense is to carry adequate employment practices liability insurance.