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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.




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.



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.


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.


Tips for Purchasing Central Florida Homeowners Insurance

Florida is America’s fourth largest state, and if you are one of those people who lives in Central Florida and owns a home you will need to buy Central Florida homeowners insurance. Here are a few things to consider when choosing the right policy.


Take the time to shop around


Be sure you speak with an independent agent who has access to many insurers that can provide Homeowners insurance. Additionally, if you have the need for personal auto, business and umbrella coverages, you may be eligible for a discount by securing all the policies with one company. Your insurance agent will be able to advise you properly.


Your current policy may be full of surprises


In Florida, you’re aware that typical homeowners’ policies contain a special hurricane deductible, typically 2 percent or 5 percent of your home’s value. This can add up to a significant amount of money in the event of a loss. Also, as you look through your policy you might find that:


  1. You’re not covered for wind-blown water


Rain blown through roof vents, windows and cracks doesn’t count as windstorm damage to some insurers, who consider it flooding. The same goes for storm surge. The only way to know is to ask your insurance agent.


  1. Your insurers may “hold back” depreciation


Whatever you lose, adjusters can knock down its value as depreciation, based on its age and condition. After you make repairs, most insurers will send you money for the difference in value between, say, an old roof and a new roof. But you may end up not having that cash up front to pay a contractor, and it can add up to thousands of dollars.


Make use of this valuable information to determine how Central Florida homeowners insurance will best serve you, and be sure to speak with an independent insurance agency about the specific details about your policy and what is and isn’t covered.



Personal Umbrella Enhances Condo Insurance for Massachusetts

As a condo owner, you have exposures beyond the coverage provided by the condominium or co-op association. While the association will normally cover liability for accidents affecting your guests while they are on common property (pool area, walkways), and your own condo policy provides liability insurance for accidents occurring in your residence, the amount you have may not be enough, especially in today’s litigious environment.


If you want extended liability limits, a personal umbrella insurance policy will offer you the ability to add to the amount of coverage you have. Not only will an umbrella policy extend the limits on your condo policy, but it will also extend coverage of your other liability policies, such as automobile and boat.


Some examples of why you could be sued and the need for additional liability insurance
There are instances when you might need additional liability coverage, including the fact that multi-million dollar judgments are commonplace and attorney fees can be significant and your standard policy may simply not be enough. Moreover, many of the risks aren’t immediately apparent, but now is the time to consider this important coverage, since it needs to be in place in order for you to take advantage of the benefits the added coverage provides. Following are some incidents that can occur you should consider:


  • You may be involved in a car accident with someone who gets severely injured and you are sued and found responsible; the limits on your auto policy will fall short in a million-dollar lawsuit


  • Someone could accidentally fall or get injured on your property – inside your condo – and sue you for bodily injury


  • While playing golf you might hit another player with a stray ball who ends up with a severe head injury


These are all occurrences that could take a toll on your personal finances without the added protection of a personal umbrella that serves to enhance your Massachusetts condo insurance.



Buying a Better Business Insurance Policy

Obtaining quality Florida business insurance is an important part of running a successful business that provides sufficient protection from the many risks that you and your company face every day you open your doors to the public (and even when the “closed” sign is in the window). If you are wondering how to obtain the best, most comprehensive policy at a reasonable price, just know that your search becomes much easier when you turn to a professional insurance agent to guide you. Here are just a few of the things your agent will want to discuss with you:

What Affects Your Premium Amounts?

The amount of exposure your business will face. The amount of your policy premiums will also in part be determined on the location of your business, the type of building in which your business operates, the proximity and ability of the local fire department, the coverage amount you select, your track record—(have you filed many claims in the past?) and the deductible amount you are comfortable with assuming—that is, the out-of-pocket amount you will pay in the event of a claim. Higher deductibles generally result in lower premiums, but in exchange for that price discount you are taking on an additional element of financial risk; your agent will go through the pros and cons of each choice to arrive at the best decision for your circumstances.

Of course, prices for coverage will also vary from one insurer to another, as does the specifics of what is covered and what is excluded from the policy. Coverage can be purchased separately on an a la carte basis or in a combined package with typical coverage options that together form a business owners policy, or BOP. If your business has unique, very specific exposures, it may be a good idea to purchase additional coverage for those risks.

Talk to your agent for recommendations on a Florida business insurance program. That way, you can focus on profits while your agent focuses on protection.


Planning Ahead Prevents Potential Problems

Planning Ahead Prevents Potential Problems

Every state has a dog bite law in place to protect the victims of dog bites. However, this law is just part of a safety net that you can build on and strengthen. By identifying potentially hazardous dog situations before engaging and by having extra insurance, you can be better covered in a worst case scenario.

Dog bite law Measuring The Risks Of A Dog Bite

There are several factors that can contribute to a potential dog bite or attack, which can range from the mental state of the dog to the circumstances that the dog is in. These can include:

  • The dog in question being male
  • Agitation, fear, or pain
  • Dogs traveling in packs
  • Breed type
  • Tethered or chained dog
  • Newness (either of the dog to a home, or a new person entering a home that a dog is already part of)

Any of these can up the risk factor of a dog becoming willing to bite a person. If two or more are present, the dog should be avoided to prevent bites from happening.

Protecting Yourself As A Dog Owner

Under nearly every dog bite law, the owner is responsible for the dog that does the biting and therefore has to cover any costs that could come from a bite. To further protect yourself in the case of a bite, you should look into getting insurance that will cover bites, allowing your

In eliminating some of the risks and hazards involved in dog bite or potential dog bite cases, you will be able to save yourself much concern.


Get The Right Commercial Insurance For Your Auto Dealing Business

Get The Right Commercial Insurance For Your Auto Dealing Business

In some ways, the types of coverage that you will obtain when looking for your Connecticut auto dealing insurance will sound very similar to the types of coverage you have for your own personal automotive insurance. Bodily injury, comprehensive, collision and more are all common components of the final business insurance package you will need but there are very specific and criticl differences in the type of protection you will need and be getting. That is why it is imperative that you work with the right agency who will take the time to fully understand how your business operates in order to recommend the right limits and coverage for you.

Connecticut Auto Dealing Insurance  One example of a key difference in your commercial Connecticut auto dealing insurance is that you may have what is known as business interruption coverage. This guards you in situations where one of your employees has been injured by reimbursing you for lost income during the employee’s recovery time. Certainly it is important to get the basic protection but, in the end, it can be coverages such as business interruption that will make the most difference to your business operations in the end.

Before you sign up for a Connecticut auto dealing insurance by simply answering some questions online and submitting your payment information, think twice. Remember that your business is at stake. Take the time to meet and talk with an experienced commercial insurance agent who understands the auto dealing world and who will learn your unique situation and needs. This is the way that you will end up with the right protection for your business to put your mind as ease.