Why your workers’ comp claim needs to be reported quickly (and how to make that happen)

No employer wants to see an employee get hurt. An injury is a traumatic experience not only for the victim but also for the supervisor and fellow employees. A workplace injury might leave everyone in shock, but it’s crucial that the proper reports and paperwork (including the workers’ compensation claim) are filled out as quickly as possible.

Making sure the employee gets the medical attention they need is the priority, of course, but the next tasks that need to be done are the claim paperwork and the report. There are several reasons why it’s important to file your claim as soon as you can, which we’ll explain, and we’ll also give you some tips that will help you speed up the process of filing the claim and the report.

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When you're operating a dump truck, safety is key.

Ten tips to stay safe while working with a dump truck

Dump trucks come in a variety of styles and sizes, but one thing that should remain the same across the board is safety. Dump trucks are dangerous at the best of times. Whether you’re the driver or someone helping at the job site, it’s important that you make safety a priority whenever you’re working around a dump truck.

To help keep you safe while working with your dump truck, we’ve come up with ten tips that will keep everyone out of harm’s way.

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Your tow truck business faces lots of risks every day.

What are the main risks for my tow truck business?

There are lots of potential risks that people who work with tow trucks face every day. Risks, or exposures, are why people get tow truck insurance in the first place—so that they’re protected from whatever life might throw at them.

As someone who works in the tow truck industry, it’s important that you understand what you’re up against. There are several types of risks that your business faces every day, so we’ve outlined the kinds of exposures that you need to be aware of when thinking about getting your insurance coverage. The exposures and risks depend on what kind of tow truck business you have (mainly whether you’re strictly towing or you have a body shop), but these are the main ones to think about.

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Safety can help you save money on your workers' compensation premium.

How to lower workers’ comp premiums

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.

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What affects my tow truck insurance premium?

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:

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tow truck hauling a car

What Kind of Insurance Do I Need for a Tow Truck?

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). 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.

But who’s protecting your trucks and drivers while they’re doing that? That’s where InsuranceHub can help with tow truck coverage.

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Transportation safety for daycare

Transportation safety tips for daycare and childcare providers

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.

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How can Bright from the Start reviews affect your daycare coverage?

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.

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Playground safety tips for daycares

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.  

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