It’s hard to have a conversation about auto insurance without at least one person complaining that their rates are too high. What most people don’t understand is that their rate is not some magical amount they are required to pay, but rather a precise calculation that takes into account personal…
Monthly Archives: December 2015
Most businesses are required by law to provide workers’ compensation insurance. It protects employees, providing income and medical care if they’re injured on the job. It also protects employers; the liability portion provides coverage for lawsuits filed as a result of a work-related injury. As an employer, the amount you…
Homeowners always seem to have a ballpark estimate of their home’s worth, but when it comes down to the real value, they can be a little off target. People tend to view their home through rose-colored glasses as they calculate its value, remembering all of the tender moments that happened…
Have you ever sent an employee out to pick up needed supplies? Offered to buy lunch for the crew and asked an employee to pick it up? Unless you only send employees who are insured to drive your company vehicles, you may be putting your business at risk. Your business…
It’s hard to tell exactly how they do it. Maybe you threw away some papers with your account number on them, somebody watched you put in your PIN number, or maybe you fell victim to an email phishing scam. Identity thieves don’t care where they get your information, they are…
The International Association of Industrial Accident Boards and Commissions (IAIABC) discovered that not only are highway vehicles the biggest risk of serious injury to employees, but they are also associated with some of the most costly workers’ compensation claims. The researchers analyzed injury data from the National Council on Compensation…
Car accidents take their toll physically, mentally, and financially on those involved. Take the time now to learn about how insurance companies determine the value of your vehicle and you will have one less thing to worry about if your vehicle is ever “totaled” in an accident. According to the…
“Respondeat superior” is a Latin phrase that translates “let the master answer.” This is legal jargon relating to the breadth of the employer’s responsibility for the actions of his employees. Literally, and in basic terms, any injurious or wrongful act of an employee within the course and scope of his…
In our high-tech world, there are more and more instances of driver distractions that contribute to car accidents, some of them fatal. According to the National Highway Traffic Safety Administration, in 2008, there were an estimated 6,000 deaths and 500,000 injuries attributable to distracted driving. If anything, the actual…
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