Let’s face it: Insurance is a vital part of running a successful business. But it’s definitely complicated and often frustrating. An insurance policy is a complex contract with difficult-to-understand fine print, including coverage limitations and exclusions. As a result, many companies are underinsured — leaving the future of their organizations to chance — or overinsured and wasting precious money that could be used elsewhere in the business.

That’s why your business needs a trusted advisor and not just a commercial insurance salesperson. You need a trusted partner who can guide you through the process of making the best business insurance decisions and controlling costs: someone who can help with risk management; an advisor who can provide sound advice about business decisions that could affect your insurance program; an expert who can help you manage risks and avoid unnecessary risks while growing your company.

At Accurate Protection, we’re all those things and more. We’re here to help you identify and analyze your company’s unique business risks; develop an appropriate risk mitigation/management plan and design (this is a fee based service,) implement and monitor a comprehensive insurance program to address any exposures. The typical insurance broker can sell you insurance and handle renewals and claims, but many provide no additional resources or guidance to help with risk management.

Our team can help your business better manage its workers’ compensation program, resulting in lower costs and better outcomes for injured workers. We also offer Work Smart, an incredible education program that helps business owners create and implement risk mitigation programs covering more than two dozen topics, from hiring to pre-incident planning, Our customers have access to a library of over 1,000 downloadable articles in both English and Spanish, 24/7 online claims reporting, legislative updates, an online OSHA reporting system, tools to create a customized safety manual and more. We’ll talk to you about which risks you need insurance for, and which you may want to handle by self-insuring.

Another way we’re different: We take the time and ask the right questions to get to know you and your business, which helps us to identify risks that you or a traditional insurance broker may otherwise not notice. Then we can help your organization address them in a best-in-class way. This approach allows us to communicate with underwriters about your business and its risk management strategies, controls and processes, which can result in the best coverage and pricing. Get to know more about us! Give us a call: (404) 907-2121 x701.

If you own a business, it’s important to be clear about what type of behavior is expected of your employees when they get behind the wheel.
At the very least, you’ll want employees to be aware of the need to follow any federal and state driving laws, such as buckling up. Beyond that, you may want to spell out not only safe driving behaviors but what you definitely don’t want them doing while driving. Once you’ve put together a plan, provide each employee with your driving rules and consider having them sign the document to indicate that they understand what’s expected of them behind the wheel. Here are some suggestions:

Wear seat belts. All drivers and passengers must use them. Seat belts reduce the risk of death by 45% and cut the risk of serious injury by 50% for front-seat passengers,

Limit cell phone use on the road. This is a no-brainer, but it’s so important if your employees are driving to customers or work sites. To be safe, you may want to make it clear to employees that they are not to talk on a cell phone or text while they are driving on business. If they need to use the phone, they should safely pull of the road or if your company permits it, use a ‘hands-free’ device. Know that studies show that even a hands-free call can slow your reaction time while driving.

Let voicemail do its work. Let employees know you do not want them to initiate calls while they are driving or answer any incoming calls. Let them know that all incoming calls – even from the boss – go to voicemail while driving.

Ban distracted driving. We all know that texting while driving is dangerous. But distracted driving – from talking on a cell phone to eating or drinking behind the wheel – causes thousands of injuries and deaths each year as well. So does shaving, putting on makeup and combing your hair from behind the wheel.

Promote courteous driving. Aggressive driving can lead to accidents. If your employees drive cars with your company’s name on them, make sure they know that rude driving can also cost your company business.

Risk management is one of the greatest challenges for any business. Yet due to its complexity and the enormous job of running a company, many business owners don’t effectively manage a wide array of risks. That’s where Accurate Protection steps in. We work directly with our clients, helping to identify business risks and providing the resources and insurance coverage needed to mitigate those risks. We don’t only offer commercial insurance, such as auto coverage. We help you integrate the right types of insurance into an effective overall risk management plan.