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Why it’s Important to Have Food Insurance in CT

Why it’s Important to Have Food Insurance in CT
Food Insurance CT

Food Insurance CT

If you run a business in the food industry, it is important that you have food insurance in CT. Why? The answer is simple: Risks are all around you, accidents happen, and nobody can afford the financial fall of something happening. Whether you have a large chain restaurant, or if you run a small, local café, be sure that you have a specialized food insurance policy for the risks associated with the type of food business that you own.

Advantages of Food Insurance

  • A food insurance policy is completely customizable to your business.
  • Plans are comprehensive to ensure that all of your bases are covered.
  • Many insurance companies help to implement programs that decrease work-related accidents, lower costs, and increase productivity in the work place.
  • Owners, employees, and customers all receive protection through the right plan.
  • Working with a professional insurance company that has your best interest in mind will improve your bottom line over all.

Begin Today

Whether you are trying to do things differently around the restaurant, or if you have recently purchased a food joint and are just beginning to learn all the ins and outs, check out food insurance in CT. Not only will your company be protected, but you will have the individualized policy you need to safeguard the entire business, the people who work there, and essentially your future.

 

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The Process of Gaining Employment Practices Liability Insurance

The Process of Gaining Employment Practices Liability Insurance
employment practices liability

employment practices liability

If you are considering purchasing employment practices liability insurance, there are a number of steps and procedures you will need to take in order to make the most of your coverage. This type of liability insurance is generally for use in staffing agencies or companies who assist individuals in finding temporary employment. The obtainment of this insurance can help you to safeguard against lawsuits which claim unfair judgments were made in the process of hiring or letting go employees. The following steps can help you to make the most of the insurance process.

Insurance Application

Once you have selected the insurance firm through which you would like to obtain employment practices liabilitycoverage, you will want to fill out an insurance application. There will likely be many legal forms and documents to help you to be aware of what does and does not qualify as discrimination, and how to avoid discrimination in the hiring and firing process, as well as how to handle related situations, should they arise.

Copy of Employee Handbook

An employment practices liability insurer will likely require a copy of your employee manual or handbook. This copy will be used to determine if you are correctly and effectively implementing non-discrimination practices in the workplace, and among those staff members in charge of hiring and firing. Once insurance is in place, it is advisable to keep non-discrimination practices and procedures readily apparent in the workplace, and to provide proper training to employees on non-discriminatory practices.

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Insurance For Auditors

Insurance For Auditors

 

CPA professional liability insurance

CPA professional liability insurance

There’s no getting around it: Being an auditor or an accountant can be extremely risky, and you are subject to many different types of exposure. One incorrectly crunched number can result in a client losing a lot of money, your client losing their case, or costing a company a lot of capital. It’s a profession that obsesses over attention to every detail and does not jive well with complacency. Anybody in this industry should be very weary of this happening, but in case it does, you need CPA professional liability insurance to have your back. It can save your career, your job, and your reputation.

 

Coverage

 

So what does CPA professional liability insurance cover? For starters, it covers any costs that may be associated with the investigation and mitigation of a claim. It also covers an incident that may not even be the fault of the professional, such a break-in or a computer virus that results in stolen financial or confidential records. Usually the policy will also include a grace period to file your claim, free risk management advice, a reduction of the premium or deductible over time or if a potential claim is resolved by another means. This type of insurance is essential to anybody who deals with auditing or accounting, and can save countless dollars and hours spent picking up the pieces. 

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Why Should Your Employment Agency Have Non-Owned Auto Insurance?

Why Should Your Employment Agency Have Non-Owned Auto Insurance?

Non-owned auto insuranceOne of the many types of insurance that staffing and employment agencies should consider adding to their regular policy is hired or non-owned auto insurance. These special variations on auto insurance protect vehicles that clients operate throughout the course of one of their assignments for the agency. There are a variety of reasons why an employee might be called upon to operate a vehicle during his or her time working on a temporary assignment. Here are some of the major instances that non-owned auto insurance covers.

The employee’s own vehicle

Non-owned vehicle insurance policies cover damage to the employee’s vehicle that is incurred while on the clock, driving to perform a task related to work. In other words, an accident that happens on the way to work is not covered, but one that occurs while the employee is running an errand for the company is.

A vehicle owned by the client

Sometimes temporary employees are asked to drive a vehicle owned and maintained by the client they are working for. If an accident occurs while the employee is driving that causes damage to the client’s vehicle, non-owned vehicle insurance helps cover the costs no matter who was at fault for the crash.

If employees at your staffing agency regularly drive throughout the course of assignment, then non-owned auto insurance may be a good choice for you.

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he Importance Of Connecticut Auto Detailing Insurance

he Importance Of Connecticut Auto Detailing Insurance

connecticut auto detailing insuranceBusinesses that specialize in auto detailing encounter many unique risks on a daily basis.  Not only do they work with expensive equipment, but they also work with other people’s valuable property.  If you work in the auto detailing industry, you ought to consider investing in Connecticut auto detailing insurance.  Proper insurance coverage can protect you from the many “what ifs” that could happen in this type of industry.

 

What Kinds Of Coverage Are Available?

 

A large variety of auto detailing insurance components are available to protect your business, including the following:

  • General Liability Insurance covers your business form a variety of general mishaps that occur on your property.  It can even include injuries sustained by customers if they happen to trip over a cord. You can choose from a variety of coverage plans to cover the most unlikely of events.
  • Garage Keepers Legal Liability Insurance protects against damage to your customers’ vehicles while they are in your possession.  It can also protect against fire, theft, and movement of the vehicles.
  • Business Interruption Insurance helps to sustain your business due to a loss of income after a flood, fire, or other disaster that keeps you from working out of your insured location.
  • Workman’s Compensation Insurance is a form of insurance that provides medical benefits and wage replacement to employees that were injured on the job.  An insurance agent can help you decide on the appropriate amount of coverage for your type of business.

 

Don’t put off getting Connecticut auto detailing insurance until it’s too late.  Contact an insurance agent today.

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Choosing the Right Ocean Marine Insurance in Massachusetts

Massachusetts is one of many cities along the eastern shoreline. For any business that works over waterways or transports cargo from one place to another via ocean, seaways, etc., there is a need for a specific type of insurance that covers property, crew and even customers. Ocean Marine insurance in Massachusetts is a necessary and vital form of coverage for businesses operating in this manner.

 

For many businesses, from yachting and boating clubs, to cargo hauling vessels, the unique exposures and risks associated with doing business on the water, there are independent insurance agencies that serve enterprises of this type throughout Massachusetts and are available to help you develop a complete and comprehensive insurance program.

 

Marine insurance policies are offered based on the type of boat you own as well as what sort of business you use it for. For example, a boat hauling cargo has different insurance needs than a boat used for pleasure cruises. Before buying insurance you should do some research into what different types of policies are available.

 

Depending on the type of business, one or more of the following policies might be required or necessary, including marine liability, marine general liability, commercial umbrella/excess marine liability, ocean cargo, luxury yacht, custom cargo, commercial hull, protection and indemnity (P&I), builders risk for vessel construction, shipwright, marine property and casualty, and overseas coverage for U.S. companies with global exposures.

 

Buying ocean marine insurance in Massachusetts requires a little time and research. Ideally, you should try to get quotes from two or three different companies to help in making such an important business decision. Base any final decision on both price and coverage, as a cheaper priced policy may be significantly lacking in coverage. Also, be sure you speak to a specialist that understands the exposures involved in your business.

 

 

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Access to Facilities and Breaks to Use Them Are Part of Employee Safety

Regardless of the type of business you are in—from health care to construction, financial or food, energy or electronics—there are some basic facts of nature that everyone has in common: the call of nature, in fact. The manner in which your business facilitates workers using the facilities is a matter of occupational safety and health, and as such can be considered an aspect of risk management in Connecticut.

Easy access to facilities is a must

The Division of Occupational Safety and Health has set standards for employers to follow in providing toilet facilities to prevent employees from suffering adverse health effects that can arise when facilities are not available in time of need.

Medical studies indicate that employees who cannot use the restroom when they have the urge (either because none are available or the employees are not allowed to leave their post) are in danger of developing several problems from moderate to severe, such as: painful urinary tract infections, constipation, abdominal pain, hemorrhoids, bladder obstruction, inflammation of the intestinal tract, and even kidney damage in extreme cases.

To avoid problems stemming from unreasonable restrictions to use of facilities, make sure flushing bathrooms are maintained within or on the premises of your business. Make sure you have the correct number of toilets required for the number and gender of employees, and that supplies (toilet paper, and soap and water for handwashing) are available.

Don’t attempt to evaluate someone’s needs

Denying employees the opportunity to use the facilities as needed can put the employee at risk from a health standpoint, and the employer at risk from a potential liability standpoint should the employee become injured. Makes sure you allow sufficient breaks for employees to use the facilities, and arrange for other employees to take someone’s place if the person should need to use the restroom during his or her shift. Requiring the employee to continue working if he or she has expressed a need to go is counter to best practices of risk management in Connecticut. Talk to a professional insurance agent to learn more.

 

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Risks Abound for Workers Who Provide Home-based Services

The fastest-growing sector within the health care industry treats patients where they live—literally. With workers serving an estimated 7 million patients and growth projected at a whopping 66% over the next 10 years, home health care risk management has never been more important. The huge growth rate, combined with the dangers that are present in the myriad premises where workers help their patients, unfortunately results in challenges for the caretakers. Workers who travel to homes have reported encountering many potentially irritating, harmful, or truly dangerous substances and situations, such as:
• Cigarette smoke
• Roaches
• Rats or mice
• Caustic, irritating chemicals
• Peeling paint, which could be lead-based
• Extreme temperatures
• Unsanitary or unsafe conditions in the premises
• Extreme clutter
• Aggressive dogs or cats
• Firearms on the premises
• Crime or violence in the neighborhood where the house is located
The presence of toxic substances, such as cigarette smoke, peeling lead paint, asbestos, mold, etc., even poor air quality (all of which can be present in older homes that may not be well vented or cleaned regularly) is a situation that occurs far too frequently with elderly patients who are not able to perform upkeep the way they used to. Workers who must provide services in such settings could find themselves suffering from a variety of negative health effects, such as nasal infections, skin conditions, and development of resistant organisms. Exposure to pets can lead to bites and scratches, or disease if those pets are infected. Excessive clutter can result in a deluge of heavy objects suddenly shifting, injuring or even trapping a worker.
Home health care risk management is challenging because every house is, in a sense, its own workplace—yet the typical workplace protections and supervision are normally not in place. Documenting risks and hazards to your own health as you work in someone’s house is the first step in addressing these problems and reducing their future occurrences. Talk to a professional insurance agent about coverage that will help provide a comprehensive protection package as you perform the vital work that your patients depend on.

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PA Business Insurance and Loss Control

Claims and loss control are areas of concern for any company in Pennsylvania. Here are some important steps that you, as a business owner, can take to mitigate risk and control loss through workplace safety, while keeping in mind that PA Business insurance is vital to any business entity.

Hazard identification and mitigation

The first step is to identify and list potential hazards, and then following up by making the list widely recognized throughout your company in order to promote safe behavior.

Hand & finger safety programs

Hands are the number one part of the body to be injured at work. The hand is also high on the list of body parts that result in OSHA recordable injuries. You need to identify pinch points, hot spots, rotating equipment, automated machinery and similar hazards. Most people think they know how to protect their hands, but fight complacency and provide proper safety training.

Eye injury also high on the list

Eye injuries are very common as well. Many eye injuries are easily preventable, and most are due to either failure to wear, or selecting the wrong type of eye protection. Your company needs to identify the heat, chemicals, dust/airborne particles, radiation and impact areas where eye protection is needed.

Slips, trips and falls can be prevented

These incidents are often more difficult to foresee, therefore inspections before performing work are one way to recognize fall hazards. This is where hazard communication and process safety management come in handy. Following OSHA’s standards will help provide the roadmap.

Emergency action plans are a useful tool

Your company needs to specify the roles each employee will play in an emergency. One of the most important things to plan: where everyone should meet and how to safely get to the evacuation area. Having maps of your facility readily available is essential to the safety of employees and customers alike. The maps should list all evacuation routes.

Effective communication with contract workforce

Make your safety requirements readily available to contractors and their employees.
Effective contractor screening will help prevent those who are unknowledgeable about your business and its operations by providing them with information about areas of concern, and possible hazards. Having PA Business insurance will provide the necessary coverage when incidents do occur.

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