Protecting your business with an insurance policy is a key part of the safety of your staff and your assets. But insurance is really a backup safety method; the primary method of true protection is empowering 41402371 - businesswoman presenting to colleagues at a meetingyour employees with the information and education they need to prevent injuries, accidents and losses in the first place. Here are some of the key areas in which to focus your employee safety training.

  1. Harassment training: Harassment is a real threat to your business. Not only can any inappropriate workplace behavior reduce morale and productivity among your team members, it can also lead to potential legal liability and other business risks. Harassment training gives all employees clear guidelines about acceptable conduct
  2. Data safety training: Data privacy is a concern of every business. Training employees how to recognize and avoid malicious emails and other communications can help avoid data leaks and theft. This greatly reduces the potential for any damage done by theft or loss of critical information.
  3. Workplace safety training: Every workplace contains the possibility of physical injury — even if you don’t work in a hazardous or high-risk industry. Even if there’s no need for hardhats, it’s important to train employees to recognize job hazards. This includes awareness of cleaning chemicals, how to avoid falls, and how to keep equipment safe and secured. Human ergonomics also can be essential parts of keeping your employees safe and healthy and protecting your business from liability threats.

Establishing good training procedures is the first step in protecting your people and your business. It’s equally important to ensure that training is ongoing. Training at employee orientation as well as annual training opportunities for a knowledge refresh can keep everyone on the same page about expectations.

If you have questions about insurance or want to learn more about incident prevention, give our office a call today.

Casual business people shaking handsWhen it comes to business insurance, there’s a lot to know. Just like your business itself, there are a lot of pieces. That’s why it pays to partner with an expert insurance firm to answer your questions and make sure all your insurance coverage needs are met.

Here are some of the most common business insurance questions to help get you started on what you should know.

  • Is there a difference between hired and non-owned auto liability insurance? The short answer is yes. With certain exceptions, the term “hired autos” refers to autos the named insured leases, hires, rents, or borrows. The term does not include any auto the named insured leases, hires, rents, or borrows from any of its employees, partners, limited liability members, or members of their households. As respects the motor carrier, the exception applies to private passenger type autos only. By contrast, the term “non-owned auto” applies to vehicles owned by employees and used for company business. It applies only if such autos are private passenger vehicles.
  • What is the difference between general liability and professional liability? General liability protects against any financial loss as the result of bodily injury, property damage, medical expenses, libel, slander, defending lawsuits, and settlement bonds or judgments. For instance, this coverage would apply to someone suing your business for medical damage after walking into your store and slipping on a recently mopped floor. Professional liability is meant to protect your business against bad advice or guidance. If someone acts on your professional business opinion and it results in something harmful or negative, this insurance will protect your company from professional liability claims.
  • Why does it take longer to get a business insurance proposal than a personal insurance quote? We work hard to make sure that your proposal is delivered to you as quickly as possible, but there are a lot of considerations that have to be taken into account, including business type, location, and the number of employees. When an expert insurance broker is reviewing your information, it takes some time to compile all the relevant details and create your unique policy. This not only ensures that you get the best rate, but also that you have accurate coverage.

Still have questions? We can help. Give us a call today so we can start the process of helping you build your best policy and get the protection your business needs.