Archives February 2018

The Importance of Home Healthcare Insurance

home healthcare agency insurance

home healthcare agency insurance

 

If you’re a home healthcare provider then you may already know how important home healthcare agency insurance is to you and your employees. Insurance for home healthcare providers not only helps protect you in the event of an accident, but it can help protect your clients as well.

Liability insurance is important because it can help in the event of an accident or injury to a client. General liability coverage oven takes care of expenses related to treatment or care for an injury, but it may also help to cover lawyer fees as well as any settlements of a claim. Excess liability can help extend coverage beyond the basic package offered by your insurance company.

Similarly a workers compensation package is there to help any employee that may get injured on the job. Compensation can help with medical cost as well as cover lost wages due to the injury. If needed it can also cover a return to work program to get the employee back on the job once they’ve recovered.

As you can see home healthcare agency insurance is important for a variety of reasons. Not only can it cover treatments costs for a client, but this insurance can cover the additional costs that come with a claim. Workers compensation is also an important policy to have in order to help take care of your employees if they are the one injured.

Behind Successful Agent Sites

Insurance Agent Websites 

If you’re looking into insurance agent websites, chances are that you’re only scratching the surface of what a site needs to be successful. It’s completely natural that concepts such as search engine optimization, visitor analytics and cyber security would be relatively foreign to you— unless you’re a web developer as well as an insurance agent. Here is some of the hidden work that goes into web design and how it benefits you directly as an agent.

The Importance of Robots

One of the most important aspects of good insurance agent websites is how good the site looks— to computers. Search engines are responsible for ranking pages and showing them to people who are interested in a specific subject. This ranking is done mostly by computer programs, so sites that look better to robots get more views by humans. Getting your site up to the first results page is the goal of a multidisciplinary marketing process called search engine optimization. These higher positions get you more views, enabling your site to generate more leads.

Data for Success

Another aspect of sites that you probably don’t see very often is the analytics page. This is an information portal available only to the owner of a website. You might also need extra security, as sites are randomly targeted and hacked every day. Suffice to say that the best insurance agent websites are often much more than they appear to a casual visitor.

3 Tips for a Website Redesign

best insurance agency websites

For many agencies, once they have a website up, it’s left alone. However, website design, trends and best practices evolve. Having an out of date website can be almost as detrimental as having no site. The best insurance agency websites generate leads and have engaging content. If your agency has a site, but it doesn’t seem to be doing anything for you, here are a few tips to help your website work as hard as you do.

Keep it Simple

Keep the web design simple by eliminating unnecessary information. Navigation tabs should be clear and the home page minimalist. Relevant content, high-quality images and a call to action can focus a visitor’s attention and let you guide them where you want them to go.

Keep it Short

Visitors to websites typically scan the content. Blog posts, informative articles, descriptions of who you are and the services you offer should consist of short paragraphs with headers, sub-headers and bullet points. This breaks up the content and makes it easier to digest.

Keep it Responsive

More than 25 percent of Americans use mobile devices almost exclusively to access the Web. For sites that have been operating for more than two years, they may be mobile friendly, but not necessarily responsive. If yours has limited usability on a smartphone or tablet, it’s time for an update.

The best insurance agency websites have a contemporary design and relevant content. Experienced marketing professionals can help with a website redesign, including SEO and social.

How to Choose an Insurance Agency

insurance agency in Martinsville, VA

Choosing an insurance agency shouldn’t be something you dread. If you do your research ahead of time, then you can save some unwanted headaches. Here are several tips to help you choose the right insurance agency in Martinsville, VA that best meets your needs.

Research the Company History

One of the first things you should when you are looking for insurance agencies is research the companies you are interested in. This can give you an idea of how long each company has been in business and how successful they are.

Check the Agency’s Ratings

A way you can check the company’s ratings is by looking at financial reports online that are usually conducted by private companies. It is important to note that not all insurance agencies use the same rating system, so you shouldn’t make your decision solely based of off the rating you see.

Coverage Matters

Before you decide to go with a particular insurance agency, you want to be sure that they offer the type of coverage you are looking for. Certain insurance companies specialize in different types of insurance such as commercial or personal insurance.

As you can see, these are just several things to look for as you search for an insurance agency in Martinsville, VA that will give you access to the type of coverage you are looking for.

Insurance Coverage for Your Classic Car and Why You Need It

antique classic car insurance

Classic cars are powerful, beautiful machines from another time, but they can also be incredibly delicate, and most require regular maintenance and proper insurance coverage. Here is a guide to understanding why and how you should find the right antique classic car insurance for your fine automobile.

What’s the Difference?

As an informed car owner, you should do some research before choosing a plan. Insurance for an antique is often on another level than standard plans. Standard coverage usually only covers the cost of the replacement of the vehicle. For a classic, you may be guaranteed an amount that is decided upon by the insurance company and the vehicle owner.

What Is Your Vehicle Worth?

You may do well to learn about the value of your automobile. There are a few ways to do this:

  • Get an appraisal by a professional.
  • Look up the make and model in Kelley Blue Book.

Once you have this information, you can negotiate coverage with your insurance provider.

Are You a Risk Taker?

If you prefer your automobile to be safe in your garage, behind a glass plate, hidden behind lock and key, you may benefit from a plan that differs from someone who drives that machine on the open road every day. Every driver is different and so is every insurance plan. Make sure you get antique classic car insurance for your lifestyle by talking to a professional insurer.

3 Terms to Help You Understand Business Interruption Insurance

Orange insurance

Whether because of a fire, an earthquake or another problem altogether, sometimes you find you need to unexpectedly close your company’s doors. Of course, a closed business makes no money, which is why you should have business interruption as part of your Orange insurance policy. Understanding these terms will help you understand your policy.

Actual Loss Sustained

Actual loss sustained means that your insurance company only needs to pay out if you truly need to close your doors during your typical business hours. The insurer is only obligated to pay for loss sustained and does not need to exceed the policy limit, even if your business lost more than the limit.

Period of Restoration

Insurers only need to cover losses during the period of restoration, which is typically considered to be the time it takes to replace, repair or rebuild damaged property. The period begins when the loss occurs and ends when the property is ready to re-open. Insurers do expect reasonable speed.

Business Income

For the purpose of insurance policies, business income is defined as net income that a business would have earned. This includes the normal operating expenses and payroll.

Business interruption is especially important if you own a storefront, restaurant or another business dependent upon customers coming through the door regularly. Consider adding it to your Orange insurance policy if you haven’t already.

Helpful Marketing Strategies for Agencies

Insurance Agency Website

One of the best and primary ways to drive visitors to your Insurance Agency Website is through content marketing, which is highly effective, with practically every type of business making use of it. By utilizing good content you’ll get many more visitors to your site and through search engine optimization (SEO) you’ll be able to outrank your competition in search engine listings.

This can have very positive and rewarding results, so independent agents should be using content as a core part of their insurance marketing strategies. Remember that creating content doesn’t have to be expensive, but it will require time and some dedication.

Understanding the needs of your customers

Having knowledge of customers’ problems, such as difficulty with accessing the services being provided, will help you avoid the pitfalls that others have undergone. By addressing these areas, your agency can gain the confidence of many of these visitors and that can help to create a relationship where they feel their opinion is valued and will in turn help turn those same visitors into customers.

It’s important to understand that topics like SEO don’t mean much to the average website visitor, but implementing them will help to draw ideal customers to Internet sites that they might be interested in learning more about certain products or services.

Also, a lot of marketers will write about general topics in hopes that it will boost their backlinks, which may prove somewhat successful, but won’t necessarily be effective. Another reason why using content marketing ideas that are relevant to the types of insurance being sold is often key to getting the best results.

Some of the most successful pieces of content that can be created are info-graphics showing data rich stats in a visual format that is easy to understand and will often generate a plethora of visitors and added links over time. Being able to collect useful data and share it with others will help to gain traction over time.

People really enjoy reading blogs, and the key to writing blog posts that generate traffic is to create evergreen content. Making interesting and useful lists and including “How To” guides will have longevity and often get you lots of referrals. This illustrates how a well-structured Insurance Agency Website, one utilizing content marketing, can help bolster interest in products and increase your sales.

 

Top Reasons to Have Warehouse Insurance

Warehouse liability

Warehouse liability insurance can seem complex, but at the heart of it is protecting cargo as it is transported, processed and warehoused. As the cargo passes from one transporter to another, bailment attaches. Bailment is a legal relationship where a person or entity is in possession, and therefore legal responsibility for, another person or entity’s property. When a company or individual is responsible for another’s property, liability attaches.

Unforeseen Events Happen

One of the biggest reasons to have warehouse liability coverage is that the unforeseen happens. Even though warehouse operators can do everything in their power to keep the goods and cargo safe, there are still events that are completely outside of their control. Whether it is fires, theft or damage, if the cargo is in a warehouse operator’s possession, they are liable for what happens to that property.

Different Exposures Create Unique Insurance Needs

It may be tempting to think that acting in good faith and providing reasonable care are enough to stave off legal claims. Unfortunately, the possibility of legal action against a warehouse operator still exists. When warehouse operators create a bailment situation, the US Uniform Commercial Code (UCC) holds that the bailee assumes legal liabilities. A comprehensive warehouse liability insurance plan can help your company regardless of what the exposures to risk your company faces.