You never want to see someone get injured while working for your small business, but workplace injuries do occur. That is why workers' compensation insurance exists. It not only protects your business, but can provide employees with compensation if they were to become injured while working for you. When an injury occurs, be sure to follow these 4 things.
Get All The Facts Right Away
You'll want to make sure that you have all of the information regarding the injury, and it's best to do that immediately after it happened while the incident is fresh in everyone's mind.
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When you're traveling for the summer, the last thing you want to experience is an automobile accident that puts a damper on your fun. While your auto insurance agent will still be able to handle the claim for you over the phone, it's best to do everything you can to avoid putting yourself in this situation. While accidents can certainly happen, some smart preparation ahead of time will reduce your chance of finding yourself in a collision -- and having to spend part of your vacation dealing with the insurance claim.
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You love your vehicle, but life is busy, so when you get a ding or two in the parking lot, you may choose to ignore them. After all, your insurance policy has a deductible, and you may think repair is not worth the effort and expense. Even when you have a larger dent, you may choose to do nothing. In reality, you should probably have this damage repaired for several reasons.
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Just when you think you have everything covered-home, auto, boat, life, etc., someone starts talking about casualty insurance. You may start to panic, and may even think, "What now? What does that kind of insurance cover?" Slow down, take a breath, and read the following information on what casualty insurance is and what it actually covers.
Casualty Insurance Is the Broader Category
Casualty insurance is typically the broader category of all of the types of insurance you already have or should have to protect your assets and investments.
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Hurricanes regularly hit the gulf coast states and cause a tremendous amount of damage each year to the hulls on commercial boats (used for things like fishing, sightseeing, and sea diving activities). This is one reason why hull liability insurance can be so expensive for some commercial boat owners. One way to control the cost of these policies is to institute a "Hurricane Preparedness Plan" that you will use to protect your boat in case a hurricane hits your region.
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