If personnel placed by your employment agency engage in illegal behavior in the workplace or fail to meet a contract’s conditions, you may be held accountable. Professional liability insurance for staffing agencies protects you from expenses associated with legal claims filed against you.
Does Your Staffing Agency Need Liability Insurance?
All staffing firms need professional liability coverage. The three main types of exposure your agency might face are the following:
- Failure to provide proper, skilled workers to the client
- Financial loss to the client resulting from work performed by an employee you placed
- Professional negligence occurring within additional services supplied by your staffing company
What Does Professional Liability Insurance Cover?
This type of insurance provides essential protection if an employee or business sues your company for professional mistakes. It can be quite costly to defend yourself from legal actions, even if your business is not at fault.
Professional liability insurance for staffing agencies covers court costs and attorney fees. It will also likely cover lost income and any client’s settlements you are required to pay.
The services that staffing agencies offer leave them vulnerable to some significant liability risks.
An employment service business works with employers and employees and therefore has an obligation to both parties. Professional liability insurance can keep your company running while addressing unexpected legal matters.
Independent insurance agents have to make a concerted effort to stand out from competitors and generate traffic to their websites. Pay-per-click advertising provides an affordable and effective way to grab the attention of people who are interested in their services.
The Dynamics of PPC-Driven Website Traffic
Results from a search engine can trigger an advertisement based on the query’s keywords. The query reflects that the searcher would like to learn more about the subject or site being advertised, so there’s a considerable probability that he or she will click on the advertised link. PPC marketing for independent insurance agents enables them to reach a targeted audience and avoid unnecessary advertising costs.
How PPC Marketing Provides a Cost-Effective Marketing Vehicle
By paying only for the advertisements that successfully prompt a user to click on the link to their site, insurance agents can be sure that the money they put towards marketing produces results. Rather than paying to advertise to a wide audience that may not be receptive, they’ll pay only to advertise to the individuals who actually go to their website to find out more about their services.
Ultimately, PPC marketing can provide you with an affordable way to reach prospective clients. You can choose a marketing plan that closely fits your budget and marketing goals.
When you bought your boat, you likely invested in a boat insurance policy to help cover the cost of repairs should anything happen while you’re out on the water. Though no boat owner ever wants to use their insurance policy, accidents happen. When they do, you need to know how to file a claim to get the money you need for the repairs.
Speak to Your Insurance Agent
The first thing you need to do when filing a boat claim is to speak with your insurance agent. Let them know what happened so they can start the claim for you. When you speak with them, they’ll tell you what types of documentation they’ll need to process your claim and can answer any questions you might have about the process.
As soon as thy open the claim, your insurance provider will be able to send out an inspector to assess the damage and estimate an insurance payout to cover the damage. Keep in mind that you’re always free to get a second opinion if you feel that the settlement is too low.
Get the Damage Fixed
Once the insurance adjuster makes an estimate and you accept the check, you’re ready to take care of the repairs. Use the money given to you by the insurance company to get the damage fixed and you’ll be back on the water in no time.
The value of watercraft goes beyond just the price tag. Think about the enjoyment you can get from using a watercraft with your family or coworkers during a long, hot summer. In addition, with fuel, maintenance, and up-front costs, watercraft are too valuable to risk leaving uninsured
Are Watercraft Covered Under General Insurance?
Unfortunately, most general insurance policies are lacking when it comes to vehicles such as air or watercraft. Making sure all your watercraft is covered is of utmost importance in the summer months. As waterways grow crowded with boaters and you are spending more time on the water, it becomes vital to protect your vehicles from amateur boaters and random damage.
If you use your craft during the colder months, coverage remains important as poor water conditions pose another risk, especially to smaller and lighter watercraft.
What Kind of Insurance Do You Need?
If you or your business operate any waterborne vehicles, then it may be wise to get your watercraft liability coverage via a specialized company. Such companies use endorsements to have your vehicles added to your general insurance policy. If your watercraft operations are extensive, you might also consider purchasing marine liability insurance in order to offset or eliminate the cost of wreckage removal, fuel spill liability, and towing.
Marine liability plans are available for house, sail, and pontoon boats as well as various other watercraft. Having insurance will help give you peace of mind so you can enjoy your summer on the water.
The cannabis industry is very diverse, so there are a lot of individual insurance options that are only needed by specific businesses. For example, a transportation company specializing in delivery from the manufacturer to the retail dispensary will need commercial vehicle coverages that most retail operations just don’t have to carry. Similarly, growers and other manufacturers need specific agricultural and food manufacturing insurance options that they share with businesses that have similar operations in non-cannabis industries like snack foods. They do have some common coverage options they share, though.
Understanding the Needs of Cannabis Businesses
General liability and public liability policies look a little different for some cannabis businesses than they do for many other operations, in part because many businesses in this sector need additional coverage related to the industry’s access to financial resources and the risk of interference with the operation by federal officials or other sources. They also sometimes need additional coverage against crime and employee theft that are uncommon in related industries that work with less restricted substances. The best way to make sure you have the right mix of cannabis industry insurance options is to work with a provider who can build a custom policy around the needs of your company. That gives you exactly the right insurance, no matter what part of the cannabis industry you participate in.