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MT Politics http://www.mtpolitics.net Your Resource For Political Insurance News Fri, 30 Dec 2016 14:12:25 +0000 en-US hourly 1 https://wordpress.org/?v=4.7.1 General Liability Insurance Should Be Reviewed Periodically http://www.mtpolitics.net/general-liability-insurance-reviewed-periodically/ http://www.mtpolitics.net/general-liability-insurance-reviewed-periodically/#respond Thu, 29 Dec 2016 15:43:28 +0000 http://www.mtpolitics.net/?p=959 If you have an existing business with general liability insurance in New Mexico, you may be thinking that you are covered in the event of any personal injury or property damage. It is important, however, to have your policy reviewed periodically to be sure that nothing has changed such as the following: New Acquisitions If...

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If you have an existing business with general liability insurance in New Mexico, you may be thinking that you are covered in the event of any personal injury or property damage. It is important, however, to have your policy reviewed periodically to be sure that nothing has changed such as the following:

New Acquisitions

If your company has expanded, you may need additional coverage to ensure that you are still protected adequately. New acquisitions or changes in your operations can create greater risk as well as a greater potential for loss.

Product Liability

If your company manufactures and sells products, your policy needs to cover injury or damages that could stem from those products not performing as expected. This is another area where your potential risk could change along with new products.

Liability as a Result of Contracts

The contracts that your businesses hold can also result in you being exposed to liability. These should also be reviewed by a professional to ensure that any potential risks are accounted for.

Liability Due to Pollution

Some businesses are exposed to liability as a result of pollution. This area can affect many types of businesses in surprising ways, not just manufacturing plants.

As your business grows and changes, and as the world of general liability insurance in New Mexico liability also shifts, your exposure to risk does not stay static. Therefore, it is smart to have an insurance expert review your operations, your liability and your insurance policies on a periodic basis to ensure that you still have the proper level of coverage.

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4 Kinds of Coverage Every Car Insurance Policy Should Include http://www.mtpolitics.net/4-kinds-coverage-every-car-insurance-policy-include/ http://www.mtpolitics.net/4-kinds-coverage-every-car-insurance-policy-include/#respond Wed, 28 Dec 2016 16:29:57 +0000 http://www.mtpolitics.net/?p=949 When it comes to Connecticut auto insurance policies, there are some forms of coverage that come standard: liability coverage, medical payments coverage and collision coverage. With these three things, you have the basics covered, but you are still left with a lot of exposure. Here are four kinds of coverage that you might not have...

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When it comes to Connecticut auto insurance policies, there are some forms of coverage that come standard: liability coverage, medical payments coverage and collision coverage. With these three things, you have the basics covered, but you are still left with a lot of exposure. Here are four kinds of coverage that you might not have thought to include in your policy, but could save you loads if an accident does happen:

  • Uninsured/Underinsured Motorist Coverage

It’s great that you are a responsible person and made sure that you are fully insured. Unfortunately, the world is full of irresponsible people, and they all seem to have driver’s licenses. This coverage will take care of you if you get into an accident caused by a motorist who is uninsured or doesn’t have adequate insurance to cover the damages.

  • No-Fault Coverage

Like the name suggests, this covers you for personal injury no matter who’s to blame. This can be extremely handy in situations where blame is difficult to determine.

  • Comprehensive Coverage

Traffic accidents aren’t the only danger to your car. This coverage reimburses you for things like fire, theft, etc.

  • Extras

Adding extras like rental car insurance, full glass coverage and towing to your insurance ensures you’re completely taken care of.

These often overlooked forms of coverage can mean big savings in the event of an accident. Speak to a Connecticut auto insurance company about your options.

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How Liability Insurance Keeps Insurance Agents Safe http://www.mtpolitics.net/liability-insurance-keeps-insurance-agents-safe/ http://www.mtpolitics.net/liability-insurance-keeps-insurance-agents-safe/#respond Sat, 24 Dec 2016 19:53:00 +0000 http://www.mtpolitics.net/?p=942 As an insurance agent, it’s your job to protect the average human being from a variety of threats. However, who’s there to protect you in the line of duty? Austin insurance agents liability insurance is the main source of protection for workers in your field and offers a wide variety of protection options that keep you...

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As an insurance agent, it’s your job to protect the average human being from a variety of threats. However, who’s there to protect you in the line of duty? Austin insurance agents liability insurance is the main source of protection for workers in your field and offers a wide variety of protection options that keep you covered from a variety of different angles. When it comes to selling insurance, there are more threats than you might initially consider, and your liability insurance should protect you from them all. Some of the main issues your insurance covers includes:

  • Miscommunications between yourself and your clients that might lead to a loss later on.
  • Instances in which a client opts to ignore your sound advice and experienced loss as a result, and then claims they were never made aware of the policy in question.
  • Coverage of a certain amount of the legal costs associated with being accused of any misdirection, regardless of whether you’re actually liable or not.

Any one of these issues can be expensive and can put you in a huge deal of hot water with employers and customers down the line. That’s why it’s a must to have Austin insurance agents liability insurance on your side when you’re on the job.

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Managing Your Insurance Costs http://www.mtpolitics.net/managing-insurance-costs/ http://www.mtpolitics.net/managing-insurance-costs/#respond Tue, 20 Dec 2016 14:05:28 +0000 http://www.mtpolitics.net/?p=1043 One of the best trends in the last few years is the decline in the costs of worker’s compensation insurance. This has raised questions about whether workers have adequate protection on the job, especially the approximately 40 percent of contingent or temporary workers. Although there are a lot of factors which go into calculating PEO...

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One of the best trends in the last few years is the decline in the costs of worker’s compensation insurance. This has raised questions about whether workers have adequate protection on the job, especially the approximately 40 percent of contingent or temporary workers. Although there are a lot of factors which go into calculating PEO insurance costs, you can manage your costs more effectively by taking a proactive stance and preventing claims by ensuring safety on the job.

How you classify employees determines the risk. An accountant has much less risk of an injury than an electrician does. Don’t misclassify employees to get around this modifier. Make sure each employee is classified appropriately. The employers experience modifier (MOD) is your company’s claim experience. The more claims you have, the higher your premiums will be due to this number.

Good employee training and communication will often help reduce injuries on the job. Keep records of all injuries. Not only does this mitigate your liability if there is a lawsuit, it helps you track problem areas. Make sure you have adequate PEO insurance to cover the risks of your business. You’ll have peace of mind in case the worst does happen and someone is injured on the job on your watch. Your staff will thank you for having their back. It’s a win-win situation.

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What Is Workers Compensation Insurance http://www.mtpolitics.net/workers-compensation-insurance/ http://www.mtpolitics.net/workers-compensation-insurance/#respond Fri, 16 Dec 2016 17:15:57 +0000 http://www.mtpolitics.net/?p=937 Every business knows that it is important to have comprehensive coverage for its employees, but what is workers compensation insurance, as far as what it covers? There are a wide variety of features a package can include, specialized for individual risks. However, there are some common coverages included in most programs. For an Injury If...

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Every business knows that it is important to have comprehensive coverage for its employees, but what is workers compensation insurance, as far as what it covers? There are a wide variety of features a package can include, specialized for individual risks. However, there are some common coverages included in most programs.

For an Injury

If an employee is injured on the job, workers comp covers aspects of their recovery including:

  • Income lost while on medical leave
  • Medical bills related to the injury
  • Compensation if a long-term condition prevents future performance
  • Rehabilitation after medical procedures to restore ability to work

Injured employees do not receive compensation for their pain and suffering under these programs. Typically, wage replacement involves two thirds of the employee’s salary, though the amount is untaxed.

For a Death

If an employee suffers a fatal injury on the job, insurance covers the wages his or her survivors must go without. The amount and extent of this compensation varies depending on the program.

In nearly all cases, workers comp is required by law for businesses that have one or more employee. So if your business is wondering “what is workers compensation insurance,” it’s time to talk to an experienced insurance provider that can explain your benefits and provide you with a package suited to your needs.

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Do You Need Liability Insurance for Your Dog? http://www.mtpolitics.net/need-liability-insurance-dog/ http://www.mtpolitics.net/need-liability-insurance-dog/#respond Mon, 12 Dec 2016 21:29:09 +0000 http://www.mtpolitics.net/?p=955 Liability insurance for your dog? Yes. No matter how gentle your Muffin is, it’s a good idea to have insurance that will cover this type of claim. Person liability insurance is also known as errors and omissions (EO) insurance, because it covers contracts made in various industries, such as insurance. EO insurance in New Jersey...

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Liability insurance for your dog? Yes. No matter how gentle your Muffin is, it’s a good idea to have insurance that will cover this type of claim. Person liability insurance is also known as errors and omissions (EO) insurance, because it covers contracts made in various industries, such as insurance. EO insurance in New Jersey is available from many agencies.

Dog Bite Occurrences

Every year, about 4.7 million people are bitten by dogs in the U.S. Of that number, 386,000 require emergency treatment, with the remaining 414,000 also seeking medical attention for their injuries. In 2015, 34 people died from injuries related to a dog bite. According to the Insurance Information Institution, payouts for dog bites made up more than one-third of homeowners’ insurance payments in 2015, with the average payout just over $30,000.

Are You Protected?

You should know that some companies have become a little wary of dog-bite claims. They may charge more to cover breeds such as Rottweilers and pit bulls or have you sign a liability waiver or limit payout amounts.

In today’s litigious world, you may want the added protection of liability insurance that will cover what homeowners’ insurance won’t. When shopping for EO insurance in New Jersey, don’t forget to discuss dog bites as part of your coverage.

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Types of Malpractice Insurance http://www.mtpolitics.net/types-malpractice-insurance/ http://www.mtpolitics.net/types-malpractice-insurance/#respond Thu, 08 Dec 2016 21:41:10 +0000 http://www.mtpolitics.net/?p=927 For professionals such as lawyers which are exposed to a high level of risk, law malpractice insurance is an absolute necessity. Here are the two insurance elements that make up a complete malpractice insurance package for lawyers. Errors and Omissions Errors and omissions insurance covers professionals that provide services and advice to clients. If a...

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For professionals such as lawyers which are exposed to a high level of risk, law malpractice insurance is an absolute necessity. Here are the two insurance elements that make up a complete malpractice insurance package for lawyers.

Errors and Omissions

Errors and omissions insurance covers professionals that provide services and advice to clients. If a client files a negligence claim alleging that the actions of the lawyer caused the client to lose money, errors and omissions coverage will cover the costs to defend the case. This insurance also cover if a client alleges that you failed to perform your duties correctly. Whether the claims are groundless or not, errors and omissions insurance has you and your practice covered, including paying any settlement costs.

Prior Acts

Insurance coverage for prior acts extends your liability coverage to before the start of the policy. This type of coverage is necessary to protect you from claims made based on professional services delivered prior to the policy’s inception. Prior acts insurance fills in the gap between the time of service and the actual claim.

Both errors and omissions and prior acts work together to form a solid malpractice insurance policy. Whether your law firm is small, medium, or large, your law malpractice insurance should include these two elements.

 

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Does Your Homeowner Insurance Cover Dog Bites? http://www.mtpolitics.net/homeowner-insurance-cover-dog-bites/ http://www.mtpolitics.net/homeowner-insurance-cover-dog-bites/#respond Sun, 04 Dec 2016 22:21:28 +0000 http://www.mtpolitics.net/?p=933 You likely view your dog as an integral loving part of your family. However, even the friendliest dogs can end up in situations when they feel threatened or cornered, and these instances can frequently lead to unintended injuries to your guests or neighbors. This is why every dog owner needs to make sure that they...

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You likely view your dog as an integral loving part of your family. However, even the friendliest dogs can end up in situations when they feel threatened or cornered, and these instances can frequently lead to unintended injuries to your guests or neighbors. This is why every dog owner needs to make sure that they have dog bite insurance.

Review Your Homeowner Insurance Policy

While many insurance providers cover canine liability in their policies, this is not always the case. First, you want to make sure that you have specifically included this coverage in your original policy. Secondly, many companies have extensive restrictions on the pets that they cover, and some only provide coverage for certain breeds.

Finding Additional Coverage

If you find that your policy does not include adequate dog bite insurance, there are some easy steps you can take. First, look into additions that can be made to your existing policy. If this is not an option, there are many new companies that focus on canine coverage that meets both your needs and guidelines. You will want to make sure that harm to your dog or other parties is included.

Your dog will always be an important part of your family, but things can happen that might leave you liable. Make sure that you have the dog bite insurance coverage you need to protect your assets.

 

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Common Criminal Threats to Your Business http://www.mtpolitics.net/common-criminal-threats-business/ http://www.mtpolitics.net/common-criminal-threats-business/#respond Wed, 30 Nov 2016 21:26:16 +0000 http://www.mtpolitics.net/?p=918 You run your business like a well-oiled machine, and pour all of your time and energy into ensuring that your endeavor is a success. Unfortunately, not everyone is as invested in your business’s success as you are. Criminals are likely to target your business over the years and wreak havoc with your finances if left...

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You run your business like a well-oiled machine, and pour all of your time and energy into ensuring that your endeavor is a success. Unfortunately, not everyone is as invested in your business’s success as you are. Criminals are likely to target your business over the years and wreak havoc with your finances if left unchecked for long enough. This is why crime insurance cover is imperative for businesses of all sizes in all industries. These services can provide your business with much-needed security in several distinct areas, and help to protect your business and finances from threats such as:

 

  • Embezzlement
  • Employee dishonesty
  • Wire transfer fraud
  • Computer fraud
  • Robbery
  • Safe burglary
  • CounterfeitingThese are some of the most common threats to your business’s security, but by no means a comprehensive list of all the challenges you face each and every day. Crime insurance coverage covers these common threats among several other more specialized issues in your industry to ensure you’re able to run your business professionally and with confidence in the coming years. Speaking with a professional can help you decide whether or not this is the right step to take for your business and your finances, and can help you get started with selecting the perfect policy to keep your company safe from harm.

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Ways to Reduce Your Risk of Alcohol Service Claims http://www.mtpolitics.net/ways-reduce-risk-alcohol-service-claims/ http://www.mtpolitics.net/ways-reduce-risk-alcohol-service-claims/#respond Mon, 28 Nov 2016 15:50:39 +0000 http://www.mtpolitics.net/?p=909 Having adequate liquor liability insurance for bars is a good start for business owners, but it is not the only way to limit any potential claims. People who own any company that serves alcohol, including restaurants, night clubs, and pubs, should take steps to prevent any injury or incident as a result of that service....

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Having adequate liquor liability insurance for bars is a good start for business owners, but it is not the only way to limit any potential claims. People who own any company that serves alcohol, including restaurants, night clubs, and pubs, should take steps to prevent any injury or incident as a result of that service. Here are a few tips that can help you and your staff limit the potential for alcohol-related claims.

Effective Training

You cannot be at your establish every minute to make sure your staff is serving alcohol responsibly. Take the time to train your staff and include pointers about refusal of service if a patron is intoxicated. Inexperienced or young workers need tools to address inebriated costumers with confidence and authority.

Hypervigilance

Underage drinking is not only a serious social issue; it can also cause you to lose your business. Be sure your staff understands the importance of checking identification according to the law.

Mixology

When your workers prepare mixed drinks, they should measure alcohol strictly. If the drinks are too strong, you may be losing product while serving more liquor than necessary.

Safe Travels

Encourage responsible drinking, but also have a clear policy about designated drivers or taxi service for patrons who have one too many. Keeping drunk drivers off the road is important for more than just maintaining liquor liability insurance for bars.

These practices can reduce your liability risk as a business owner. Your entire staff should work together to stay professional and keep your clients safe both at your establishment and after they leave.

 

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