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An Insurance Company in the Protection Business

An Insurance Company in the Protection Business

An Insurance Company in the Protection Business

When you need an insurance policy, you want to work with an agent that has your best interest at heart. Owens Group Insurance is in the business of protecting people’s professional and personal lives, making it an ideal choice for business professionals and individuals.

Protecting Your Personal Life

Each person’s individual risks may be different depending on lifestyle, which is why your policy should be created especially for you. That is why an agent conducts a risk assessment to determine your coverage. You can keep many areas of your personal life secure with coverage options including:

Auto insurance

Homeowners insurance

Travel insurance

Watercraft insurance

Kidnapping and ransom

Cyber security

Personal umbrella

Safeguarding Your Business

A business should be covered in case of a disaster or lawsuit. However, each industry is different and requires various levels of coverage. For example, an IT company may need more cyber liability than a construction company. After an assessment, an insurance agent can build a policy around some of the following coverage areas:

Executive liability

General liability

Professional liability

Cyber liability

Intellectual property

Workers’ compensation

Earthquake and flood coverage

Commercial property

Since 1957, Owens Group Insurance has been protecting individuals and businesses. To mitigate disasters in both your personal and professional lives, you should choose an insurance company you can trust and rely on in stressful situations.


How to Be Competitive in the Insurance Industry

How to Be Competitive in the Insurance Industry

How to Be Competitive in the Insurance Industry

Anyone in the insurance business likely understands why it can be a profitable venture. Insurance is needed for virtually every facet of home and work life, especially in more areas that are more litigious or carry a higher risk. While the demand for insurance may be consistent, it can be a very competitive industry. If your company specializes in insurance, digital marketing can give you the edge you need to make your company stand out.

How Digital Marketing Works

Having a digital marketing campaign can be very useful especially if your client base includes people that prefer electronic communication. In a world where it is relatively common for people to have access to multiple devices, this can be imperative for the success of your business. Digital marketing can include the following types of strategies:

Using effective website design viewable across multiple platforms and devices

Reaching your social media audience

Utilizing research on search engine optimization

Using engaging content to attract potential clients

Documenting website traffic

Managing website and keeping it regularly updated

While there may be years of collective research on traditional marketing methods, digital marketing is constantly changing based on many variables. If you work in insurance, digital marketing experts can be a major asset to your business’s success. By contacting a professional that keeps up with the latest in this type of approach while understanding the fine details involved in the insurance industry, you can feel confident that you will be in good hands.


The Value of Insurance for Your Cargo

The Value of Insurance for Your Cargo

The Value of Insurance for Your Cargo

It can be complicated to ascertain what types of insurance coverage to use to properly protect your business, especially when it comes to cargo transportation. Motor truck cargo insurance can be especially important since many insurance carriers will not cover a transportation company if they do not have this type of insurance. To make sure your business is not left vulnerable, keep these tips in mind.

1. Establish Needs

Take a look at the type of cargo your company usually transports, as well as how much is carried and the distance your trucks travel. This way, you can make sure you are getting the correct motor truck cargo insurance that you need.

2. Understand Limitations

Some types of cargo are usually excluded from coverage by insurance companies. This category can include items like alcohol, electrical units and clothing. Other carriers might not exclude this kind of cargo, but rather assign it a higher deductible. It can be worth it to ask the insurance company if they have any limitations that may affect your business.

3. Explore Additional Options

Your company may benefit from extra motor truck cargo insurance options. These can include coverage for unattended vehicles and theft, which are two scenarios often faced in the cargo transportation field.

It is crucial to find an insurance plan that adequately handles your needs in order to avoid potentially costly incidents in the future. By protecting your cargo and company today, you protect your future as well.


Protecting the House While on Vacation

Protecting the House While on Vacation

Now that the sun is coming out and the gloominess of winter is leaving, wanderlust is taking its place. The arrival of spring is a great time to take a much-deserved vacation. Before packing a suitcase, start planning how to manage the day-to-day care of the house. If it is going to be empty, how protected are the valuables in the home? Enjoy a stress-free vacation by taking a couple of precautions before leaving home.

Insure Valuables

Family heirlooms like jewelry and fine art are irreplaceable treasures. It is important to take an inventory of specific items and have them appraised. Once you know the value, it is time to shop for insurance. Northstar Insurance Company is a great place to start when insuring valuables. You’ll breathe easy knowing that these precious items are protected.

In Case of Emergency

Expect the unexpected while vacationing and prepare in case something happens. Being away from home does not mean that all is lost. Northstar Insurance Company offers other types of coverage so that peace of mind can come in one package deal including:

  • Homeowners
  • Motorcycle and auto
  • Yacht and boat

When you have planned ahead and protected your investments and prized possessions, you can rest easy.

While on vacation, worrying about the safety of the home and valuables shouldn’t be on the to-do list. Enjoy the time away and leave the stress at home.


Filling the Gap: Accident Coverage for Independent Truckers

Filling the Gap: Accident Coverage for Independent Truckers

For most employers, the risk of a work-related injury or death of an employee is mitigated somewhat by the workers compensation coverage that most states require companies to carry. Such coverage, however, extends only to salaried employees.

Who Is Responsible?

Companies that utilize 1099 contract workers like owner-operated truck drivers face a conundrum. It is a given that accidents can and do happen in the trucking industry. It is also a given that independent drivers are not covered by a workers comp policy. So, who pays in the event of a serious accident involving an owner-operated truck?

Ultimately, the employer & the company employing the driver on a contract basis & is responsible. Left uninsured, a business is exposed to tremendous financial and legal consequences. Occupational insurance is one way to fill this gap in coverage.

What Does It Cover?

Accident insurance for truckers varies depending on a company’s needs, and policies can be tailored as such. Still, most policies include the following:

  • Accidental death and/or dismemberment benefits that are normally determined by a formula that factors in a contractor’s annual earnings
  • Payment of medical claims arising from a single incident
  • Disability benefits that pay a portion of the employee’s salary for a prescribed amount of time

Provisions can also be added to occupational insurance policies to cover legal fees should a 1099 worker sue the company. Consider your needs and budget and consult an experienced insurance agent or broker today. Don’t count on that accident not happening to you.


How Non-Profits Benefit from a Workers Compensation Insurance Policy

How Non-Profits Benefit from a Workers Compensation Insurance Policy

Your non profit organization is offering vital social services to your community. Though the business does not profit from their work, there still is risks and liabilities in providing valuable services. Make sure you are protecting your business and your staff with non profit workers compensation in California.

Your Team

Your team works hard to deliver quality services and support for the surrounding community. They keep the organization running smoothly. Accidents happen to even the most careful teammate. They happen at unpredictable moments impacting both the organization and the person.

Insurance Benefits

Non profit workers compensation in California helps your team get the medical help they need after a fall or injury sustained on the job. The insurance policy covers those costs your organization would otherwise be liable for including medical bills and legal costs. California does not require non profit organizations to have a workers comp plan, but the benefits often outweigh the costs.

Even if the accident never results in a lawsuit, it could. Maintaining a non profit workers compensation in California policy ensures that your organization is not left holding the bill when accidents arise. The peace of mind that comes with that can help you focus on the good your organization continues to do in the community.


Employment Practices Liability: Which Violations Are Covered?

Employment Practices Liability: Which Violations Are Covered?

Many professional employment organizations deal with an increased risk of claims due to the ever-rising multitude of wrongful termination and employment discrimination laws. The Employment Practices Liability (EPL) coverage in a peo insurance policy gives employers protection against a wide range of violations.

Federal or State Employment Laws

Following a claim made by an employee, EPL coverage will pay for any fines or legal fees created due to a violation of a state or federal-passed law. Below is a complete list of the laws which are covered in this type of policy.

  • Genetic Information Nondiscrimination Act-Immigration Reform and Control Act
  • Equal Pay Act-Civil Rights Act
  • Age Discrimination in Employment Act
  • Pregnancy Discrimination Act
  • Family Medical Leave Act
  • Americans With Disabilities Act

Which Exceptions Apply?

Any client companies or worksite employees that are directly affected by a violation of any of these laws are covered by the insured’s peo insurance coverage. Violations made prior to the start date of the insurance policy or non-employee related liabilities are not covered by EPL insurance.

Which Additional Coverages Are Recommended?

A complete peo insurance package should include general liability, errors and omissions, owned, hired or non-owned auto, employee benefits liability, directors and officers liability and employer’s liability coverages. The types of coverages, as well as their total coverage amounts, can be tailored to the company’s requirements.


Prepare for Everything and Prepare for the Future

Prepare for Everything and Prepare for the Future

The right type of commercial insurance can make a huge difference in your business’s long-term success. Certain types of policies are standard such as commercial property, fire, commercial auto and general liability. However, have you researched employment practices liability? If you haven’t you are in luck. Here is an easy guide so you can be better prepared while shopping for coverage.

Employment Practices 101

For those who are just starting out as business owners, this type of liability may not seem necessary. If you are following the law, what could a go wrong with your employees, right? Unfortunately there a number of different scenarios where you can find yourself at the end of a lawsuit.

If one of your employees claims discrimination, harassment or wrongful termination, you may likely have to go through a long and expensive legal process regardless of whether or not their claims are substantiated. What employment practices liability does is cover the expenses involved with this process.

A claim can even occur from applicant to your company. The moment they send in their work application they can claim discrimination against their hiring.

With so many possible lawsuits, it is better to be prepared against the worst. Acquire employment practices liability and be better prepared for the future.


What Employee Benefits are Required?

What Employee Benefits are Required?

What Employee Benefits are Required?

The federal government has mandated certain allowances and requirements for businesses who offer employee benefits. At times, these regulations may create confusion when viewed in accordance with local and state policies. When considering New Jersey workers comp plans, there are times when an employee is faced with several options concerning their rights and protections. Here is how you navigate those waters.

Primarily the Family and Medical Leave Act offers employees protected job-related leave for a variety of reasons. Many commonly regard this as applicable to expectant mothers and fathers, critical illness and things that are not job-related injuries. However, a workplace injury that might have long-term, recovery needs of multiple weekly appointments or treatment that creates numerous absences causes some concern and questions.

Although FMLA doesn’t include compensation, it does offer protected leave. With New Jersey workers comp, compensation and healthcare are required, but job protection does not have to be guaranteed. With the above-mentioned scenario, both protections are applicable unless the employee refuses light duty replacement employment with the company, and therefore is only entitled to FMLA and not necessarily full compensation according to their workers comp benefits.

It is always helpful to consult with your insurance carried concerning the liabilities that your company is responsible for, just as an individual should fully understand their entitlements when experiencing long-term illness or injury that may or may not be work-related.


Fight Against Potential Emergencies With Premium Insurance

Fight Against Potential Emergencies With Premium Insurance

As a Delaware business owner, you have likely prepared for opening day for a long time. You have applied for the right permits, planned out your marketing strategy and started looking for employees. However, what you may have not planned for is potential disasters, theft and emergencies. Any experienced business manager can tell you that planning for your commercial future involves getting the right insurance protection. Thankfully, there are many agencies that provide superior business insurance in DE.

Guide To Commercial Coverage

You may be confused with the different types of policies agencies can offer. Here are just a few that you may benefit from:

Employment Practices: Employment practices insurance handles lawsuits from your employees that involve potential wrongful termination, discrimination, and harassment.

Commercial Auto: Commercial auto coverage can be molded to handle the damages you or your employees undergo while driving on a work-related assignment. This can also take care of damages you cause to other drivers.

Workers’ Compensation: If one of your employees gets hurt or sick while on the job, workers’ compensation can take care of the medical payments and lost wages.

Other common coverages consist of commercial liability, crime, employee dishonesty, commercial property and business interruption.

Business insurance in DE is accessible to all those who wish to invest in the financial future of their business. Start building your business coverage today!