Archives August 2016

Solutions for Risk Exposure

Assisted living insurance programs

Any assisted living facility is something different to the staff, the residents, and the owners. Considering the unique exposure to risk that each of these groups represents helps identify the assisted living insurance programs right for your facility.

Workplace

The assisted living facility is a workplace with diverse types of staff. As a workplace, workers’ compensation insurance is a must. If any staff drives to perform work tasks, you will need auto liability. In addition to general liability, professional liability protects your facility against staff errors. Digital transmission of data has made cyber liability insurance a necessity for many facilities. Employment practices liability covers the risk of human resources errors or lack of compliance with prevailing employment laws.

Home and Property

The assisted living facility is home for all of the residents, and is where they get their care. The general and professional liability coverage protects residents against the risk of injury at the facility or employee error. Crime insurance protects both the residents and staff in the event of criminal activity on the premises. The property of the facility needs to be insured against damage and loss. Property insurance and general liability are key for protection of property value.

There are many potential liabilities in this industry. Assisted living insurance programs can protect you from the various risks of operating an assisted living facility.

 

The Importance of Professional Liability Insurance

Insurance Agent in New Mexico

No matter how skilled you are in your professional trade, there are unexpected catalysts that can bring about unwanted legal proceedings. No industry is safe from claims that a practitioner has done wrong by a client, and that’s why you have no choice but to find an insurance agent in New Mexico who can provide the liability coverage that you need to keep your company safe. Owning a business is a huge responsibility, and investing in the right type of coverage for your enterprise is the most responsible thing you can do.

Every industry is different, and the coverage provided by your insurance agent in New Mexico needs to reflect that. Any blanket policy that supposedly covers any and all situations likely won’t address issues that are specific to your company. For example, a legal malpractice suit is handled differently than a contract dispute between a rental company and a customer. Your insurance policy should be chosen with your business in mind so that you aren’t left in a bad position when something unexpected arises. The right insurance agent will listen to your needs and address them, which is as it should be. Stop hoping that your general policy is sufficient and find an insurance provider who can offer what you actually need.

Why Diabetics Need Regular Dental Visits

Laguna Hills Dentist

Almost 30 million people in America suffer from diabetes. In addition to the many health complications associated with this condition, researchers have noticed a higher prevalence of gum disease among diabetics. More precisely, they’ve discovered a link between the two conditions. If you’re a diabetic, maintaining regular visits with a Laguna Hills dentist is critical to your overall health.

High-Risk

Poorly controlled blood sugar levels make people living with diabetes more susceptible to gum disease, which is also called periodontal disease. In turn, infected gums make controlling blood sugar more difficult. This is an unhealthy cycle resulting in a decreased ability to fend of infections and to prevent bacteria from attacking the gums.

The Role of Your Dentist

It’s recommended that you visit your Laguna Hills dentist every six months. Researchers have found that blood sugar is better controlled when gum disease is properly treated. Your doctor can perform cleanings that will decrease you HbA1c. This is a lab test that shows how well your diabetes is being controlled over a three month period.

If you’re living with diabetes, work closely with you Laguna Hills dentist. Keep the doctor informed about the medication you’re taking as well as any changes to your condition. Having this open communication helps the doctor and staff provide you with the best dental care for your unique needs.

How Vendor Management Services Can Improve Your Business

vendor management services

If you find that you are distracted from the running of your business with hiring and on boarding new staff, you can save time with vendor management services that can provide a steady flow of staff to do the work you need. There is a rapid turnover in employment nowadays, and people often do not stay in the same place of employment. This keeps human resources departments quite busy a lot of the time. In addition, as people switch jobs frequently, applicants can be unknown quantities, and may require extra screening if they are moved from one position to another.

Vendor management services can take the hassle and the headache out of staffing concerns with a streamlined hiring process to ensure temporary workers and long-term employees are qualified and experienced. Your vendor service provider will carry out background checks and validate credentials to make sure that they are genuine. Complex contracts can be simplified with the help of vendor management. In addition, on boarding new employees is simpler with the help of an outside firm that is fully focused on all aspects of hiring and training.

Finding new employees and getting them to learn the ropes can create significant business interruption which can hamper productivity. Vendor management services can help your business become more efficient and allow you to focus on growth.

Take the Stress Out of the Car Insurance Hunt

VA auto insurance

When you’re shopping for VA auto insurance, the search can get overwhelming. How do you tell one insurance company from another? Don’t they all offer the same thing? Upon first glance, you might think so, but knowing what to look for will help you find the best coverage for your car.

Speaking of your car, do you have a family car or a sporty ride? Make sure the company you hire insures all kinds of vehicles. Additionally, check its policy to see if it offers simple collision insurance or a more comprehensive plan that includes underinsured coverage. This will help if you’re hit by someone who doesn’t carry enough insurance to pay for your vehicle’s damage.

Unfortunately, damage doesn’t just come from accidents. A solid insurance policy works when your car gets flooded, vandalized or stolen, too. This is called other than collision insurance and reaches beyond what a basic plan can do. While not a necessity, it can certainly save you lots of headaches and money.

Finding a company that specializes in VA auto insurance plans not only protects you from expensive liabilities, but it also gives you peace of mind. Whether it’s hail damage or a fender bender, knowing you’re protected will make the situation much less intimidating.

3 Surety Bonds You Should Know About

When you’re approaching a major project of any sort, getting surety bonds in NJ to cover the guarantees you’re counting on throughout the process is always a good idea, and may be critical to getting the job done on time. However, there are many different types of bonds out there, and not all of them may be what you really need. Therefore, it’s best to familiarize yourself with some of the most popular before undergoing this process.

  • Performance bonds are bonds that ensure that you’re protected from financial loss in the event that your contractor fails to complete the work you’ve paid for according the terms and conditions both parties have agreed upon.
  • Payment bonds ensure that the contractor you’re using for your project will pay subcontractors and other specified party that play a part in the process.
  • Labor and materials bonds serves a payment for all of the materials and labor needed for the project you’re beginning work on, and will serve as an assurance in the event that your contractor fails to pay up.

There are several other types of bonds out there which your next project may benefit from in the near future, but these are some of the most common and beneficial ones. Do a little more research on available surety bonds in NJ to ensure you’re covering all of your bases.