What Makes a Great Insurance Agent?

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What Makes a Great Insurance Agent?

When you are shopping for any type of insurance, you are going to want the help and advice of someone who understands the insurance business and who is truly interested in helping you protect yourself rather than making the most money. Unfortunately some insurance agents are in the business for their own benefit and will not tell you when you are paying too much or are buying insurance that you simply don't need. I am a former insurance agent, and I have seen the best and worst. This blog is about noticing red flags when it comes to sneaky insurance sales people and about finding the signs of a truly good agent.


4 Tips To Protect Your Business From The Impact Of Employee Injuries

You probably value the people who work for your business, and it's probably important to you for them to stay safe and injury-free while on the job. Plus, you could be concerned about the impact that employee injuries can have on your business. For example, you could be worried about having to pay expensive medical bills or about being sued. If you would like to protect your business from the possible impact of employee injuries, these tips can help.

1. Put Employees Through Proper Safety Training

First, do not skip the step of putting your employees through adequate safety training. This helps protect them from getting hurt and helps reduce your company's liability in the event that someone does get hurt. There are a lot of safety training programs out there that can be implemented within your business, depending on the type of industry that you're involved in, the type of work that your employees do, and the equipment that is used within your place of business. Training can be handled in-house, or you can use a training company or off-site training site for this training.

2. Purchase Workers Compensation Insurance

Next, make sure that your business has workers compensation insurance. This is required by law in many places anyway, and it helps protect your business if anyone is injured while at work. If you want to avoid being on the hook to pay your employees' medical bills and other injury-related expenses in the event that someone is injured, signing up for workers compensation insurance is essential. Also, make sure that you buy from a reputable company with ample financial backing, and go with more coverage than you think you need for best results. Contact local companies like Professional Risk Organizers, Inc. to learn more. 

3. Know When to Hire an Attorney

If an employee does get hurt on the job, it is important to hire an attorney to protect yourself and your business as soon as you can. Your insurance company should have its own team of attorneys to help with this situation, but hiring your own representation is never a bad idea if you want to protect your business.

4. Make Sure Equipment Is Safe to Use

Lastly, make sure that the equipment that is in use in your business is safe to use. It should be up-to-date equipment with all of the newest and best safety features, and it should be checked and maintained as needed for safety purposes and to keep the equipment in good condition.