When an employee gets hurt on the job, the top priority is making sure that they’re okay and that they get the care that they need. So it’s important for employers to have sufficient workers’ compensation coverage to make sure that their employees and their families are provided for if an accident happens on the job. However, there are still a few things that you can do to manage the cost of your workers’ compensation premium. We’ve put together a list of six tips that will help you understand what goes into determining your workers’ compensation premium and explain how you can lower it.
Okay, we get it. Taking a home inventory is hardly an exciting way to spend a weekend. Walking around, writing things down on a clipboard…yeah, maybe not the most fun thing to do on a Saturday. But it is very important when it comes to your insurance. A home inventory is basically a list of all the items in your house. No one wants or asks for their home to be destroyed, but if the unthinkable happens and a fire or burglary strikes your house, you’ll be better off if you have a detailed list of everything you own.
You decide to stop at the grocery store for some milk and eggs on your way home from work. You’re gone for maybe ten minutes, but by the time you wander out of the store and into the parking lot something terrible has happened. You squint as you approach your car—something looks funny about that window…
And just like that, your day, which has been great so far, isn’t very great anymore. Your car has been broken into. And you’re not alone, either. According to the Insurance Information Institute, almost 710,000 vehicles were reported stolen in 2015, and CNN reports that 1.85 million car thefts (break-ins) occur every year.
If this ever happens to you, there are a few things that you can do that will help the police and your insurance company help you. We’ve created a list of seven tips.
No two businesses are the same. This is especially true when it comes to tow trucks. Your business, whether it’s a tow-truck company or an auto shop, has its own fingerprint, and this fingerprint plays a large part in deciding what kind of insurance you need. And once you find the right coverage for you, there are lots of different factors that go into determining the cost of your insurance premium.
To take some of the mystery out of your insurance rates, here are some details about your business that will impact your premium:
Ah, what would we do without our cars? They’re faithful. Reliable (usually). An extension of ourselves. We spend hours upon hours in our cars—stuck in traffic, commuting to work, going grocery shopping, running errands, meeting friends. The amount of time we spend with our cars makes them become part of our personal space. We care about our cars.
So if someone were to ever break into your car, you’d feel violated. Betrayed. Unsafe. That car is your space. It belongs to you and it’s one of your best friends. It just happens to be a best friend that you’re required to leave unattended for hours at a time since you can’t exactly bring your car into the office or house with you. Someone breaking into your car and rifling through your belongings is as personal as if they broke into your home. It would be a nightmare.
Cars break down—it’s a known fact and one of the fundamental truths of Murphy’s law (anything that can go wrong, will go wrong.) And when things go wrong with a car, who ya gonna call? A tow truck, of course. Whether it’s a collision or a breakdown, tow trucks are an essential part of making an extremely stressful day less stressful. If your business offers tow truck services, your trucks have been tasked with the important job of rescuing stranded cars and getting them to the shop safely.
We at InsuranceHub are honored to have been awarded the Best of Gwinnett Award from Gwinnett Magazine in three categories: Best Insurance Firm, Best Auto Insurance, and Best Homeowners Insurance.
We’re absolutely delighted that we’re considered one of the best in these categories!
Gwinnett Magazine is a business and lifestyle magazine that covers the happenings of Gwinnett County, where our main campus is located. The Best of Gwinnett Awards, sponsored by the publication, are based on nomination and votes. The first step is receiving a nomination in any of the categories—and there are a lot of categories! Once the nominations have concluded, the voting begins (the voters being readers of Gwinnett Magazine.) There are fifteen finalists for each category. The top five are awarded ‘Best of’ status, the next five are given ‘Among the Best’ status, and the final five are given honorable mentions.
We are so glad to have received this award! We take pride in offering excellent service and in getting our customers the right coverage for them. Our mission is to provide you with a variety of honest choices while also providing competitive rates when it comes to your insurance. We value each one of our customers, so here’s a big thank you, Gwinnett County, for voting for us as the Best of Gwinnett in the Insurance Firm, Auto Insurance, and Homeowners Insurance categories! We’re thrilled to have been recognized as one of “the best.”
Child care is full of challenges. There’s a lot that goes into running a daycare or childcare facility, and one of those things is getting the children where they need to go. It might be a bus bringing them from school to your center, or it might be taking them on a field trip to have some fun. Getting kids from Point A to Point B can be quite the ordeal—there are lots of potential risks associated with childcare transportation. Whatever the need for transportation or buses might be, there are a few important things to keep in mind to make the process as safe as possible. Just a few simple steps can significantly reduce the chances of something catastrophic happening. We’ve put together six transportation safety tips for daycare providers.
We don’t need to tell you how large a responsibility rests on your shoulders when it comes to taking care of other people’s children. Parents trust you with their kids, so it’s absolutely vital that your daycare or childcare facility is top notch and as safe as possible. This is where Bright from the Start, the Georgia agency that oversees early childhood education and childcare facilities, comes in.
Kids run on unbelievable stores of energy. They love to run and play outside, thus the invention of the playground. Playgrounds are supposed to be a fun way for kids to get exercise, but they also present plenty of ways for kids to get hurt. If you run a daycare that has a playground, it’s important to make sure that the structures are as safe as possible—the kids’ parents are relying on you to keep their little ones out of harm’s way, and their concerns about outdoor play time aren’t unfounded. According to kidshealth.org, more than 200,000 children per year are taken to the ER because they got hurt on a playground. That number seems really big and scary, but we’ve put together seven playground safety tips to reduce the chances of bumps, bruises, cuts, and even broken bones.