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.
Insurance Tips
Everyone can agree that a good tip is beneficial. On the InsuranceHub blog, we’ve created several to assist you with the insurance quoting and purchasing experience. Sometimes when you don’t know where to start or what to do a good tip can point you in the right direction. We love getting some great tips about insurance, safety, and life in general. What we really enjoy doing is passing those tips along so that they can help other people. Life is complicated, but hopefully some of our “tips” will help to simplify things for you.
From pro tips, such as how to file an insurance claim, to tips on how to get the best and cheapest home insurance, InsuranceHub has great information for you. Our goal is to help make the insurance process as easy as possible on you.
What to do if someone breaks into your car
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.
How can you prevent a car break-in?
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.
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.
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.
Preventing Frozen Pipes
The need to prevent the pipes in your home from freezing has more to do with the aftermath than the actual freezing of the water in the pipes. We’ve compiled some great tips below to help you to avoid not only the mess and damage of pipe-related issues, but also the expensive issues that follow.
Why are frozen pipes a problem?
Let’s start with the science of water. What happens when you combine water and freezing temperatures? Water freezes. But, water also expands as it freezes. In the case of the pipes in your home, freezing temperatures force the existing water to expand, even if it means breaking the pipe. Regardless of the strength of the pipe or container, you can’t beat science.
When you’re looking around your own home to diagnose which areas are susceptible to frozen pipes, notice the locations exposed to the cold, like outdoor lines, sprinkler lines, unheated areas inside the home, like garages, basements, crawl spaces, kitchen cabinets & attics.
Save on Energy Costs This Winter
Winter officially begins in just over a month, but winter weather is already here! With temperates in the 40s the last few days, you’ve probably already started turning on the heater, pulling out the blankets and dreading the increase in your upcoming energy bills.
By reducing your energy use this winter, you can, in turn, lower your energy bills
Tips to prevent restaurant break-ins and robberies
Will you learn from these restaurant robbery lessons?
We did a quick search on the internet for restaurants that were robbed and broken into.
When we Googled this, here is what we found:
- NASHVILLE — East Nashville restaurant Hunan Express was burglarized early Thursday morning.
- ATLANTA – Police are investigating a violent ambush robbery at a popular Inman Park restaurant.
- CHARLESTON — Police are investigating a reported break-in at a restaurant on the West Side of Charleston.
Generator safety tips to protect your family
Let’s discuss the dark side of home generators…
If you are intrigued by the idea of having a backup generator in case the power goes out, or from a tree falling on a power line, then you are not alone. Backup generators have become very popular since they have become more affordable for homeowners.
However, they do have a DARK side. In this article, we’ll discuss the following:
- What is a generator?
- Which one should I get?
- What are the common dangers associated with generators?
Fireworks safety tips
Fireworks look fun, don’t they? But are fireworks safe?
Yellow, green, red explosions in the sky captivate the minds and hearts of millions each holiday weekend. As fun as they are to watch, fireworks can pose a great danger to you, your children, and your home. In what way? Let’s talk about that.