Our business is protecting your business. We have the expertise to ensure business assets are protected.

We also know that risk management doesn’t stop at insurance. Here are some to consider:

  • Safety Programs: A safe workplace is a successful workplace, and safety is everyone’s responsibility. The best businesses know that they have to make safety training a priority, and our safety program service allows you to customize safety materials that can create a safer, healthier workplace that benefits everyone.
  • OSHA Compliance: OSHA’s standards and practices can change quickly, and our compliance services help you stay on top of the must-know information to be able to prepare for and pass OSHA inspections successfully to help keep your business running with no downtime.
  • Fraud Protection: We can help you learn what policies and procedures your business needs to protect itself from fraud and walk you through the process every step of the way.
  • Communication and Connection: We offer access to extensive business databases that can help you understand and mitigate risks, shape policy and strategy, and communicate to employees with newsletters, posters and more.

As your partner in business, this is just a handful of additional ways we can help your organization beyond insurance solutions. See our other risk management solutions and value-added services here.

As the owner of a business, it’s required by law that you have adequate insurance coverage for your assets and employees. Complying with all local, state and federal guidelines helps provide peace of mind and will ensure you avoid an audit or investigation should questions about your operation arise. Confident businessman posing at desk

That being said, every business has different insurance needs, budgetary restrictions and more. This is especially true for businesses that are in unique spaces where finding insurance coverage is difficult.

At Accurate Protection, we’ve built our business around assisting business owners with unique insurance needs in a variety of industries. We aren’t your run-of-the-mill insurance company that offers a one-size-fits-all solution either. We know that insurance coverage isn’t always that cut-and-dry. That’s why we insist that all of our brokers understand our clients’ unique needs inside and out.

From your first meeting, and throughout all your interactions with us, you will see that we strive to go beyond the expected standard routine and deliver results that consistently exceed your expectations. Take action now and call us today. (404) 907-2121 x701

In addition to offering a variety of insurance options, we also:

  • Provide customized employee communications
  • Can help you implement a safety program
  • Offer you industry-specific safety manuals
  • Online OSHA reporting
  • And more!

Take the first step toward a safer, more protected business by getting in touch. We look forward to serving you!

Workers compensation is a must at every business. You need to protect your assets and your employees. But there are a few simple ways to keep the associated costs under control, no matter what industry you work in.

The most important and significant way that you can cut workers compensation claim costs is to reduce claims. Here are some ways to do just that.

Hire well: Does your HR group know what to look for besides education and experience? Are job descriptions and requirements updated regularly? Some organizations would benefit from employees with specialized certifications or safety training. If you’re hiring for a high-risk department, this can prove especially beneficial, so know which questions to ask and what extra employee skills to look for.
Create best-in-class training: When it comes to safety training, don’t just do the bare minimum. Conduct trainings as part of orientations and on-boarding and regularly hold mandatory refresher courses. Make sure an updated comprehensive safety manual – with company policies and best safety practices, as well as emergency contact information – is easily available to all employees. Print copies are helpful, but digital copies allow for easier and faster access in most cases.
Create learning opportunities: In the unfortunate event of an accident or injury, don’t try to cover it up or gloss over it. Use it as a way to openly explore with leadership and employees alike how to avoid something similar in the future. Not only will this help to create solutions and preventative policies, it will solidify safety as a top priority for your company.
Create better policies: Your company may need to turn away from traditional business practices to emphasize safety. Identify risks and revisit policies regularly.
Work Smart: Our detailed, multi-part education program gives business owners the kick-start they need to implement their own risk mitigation programs. Work Smart helps business leaders develop activities, policies and procedures that can reduce unnecessary business risks.
The best way to create a safer office starts in that very workspace, with the people involved in the day to day work. Managing workers compensation costs is a daunting task. Commercial insurance rates are based on the industry, size and location of the business in question. Knowing which categories to be proactive in can save you money in the long run. If you are looking for a way to spend less on workers compensation, let us help.

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.

Telecommuting grew in popularity during the pandemic out of necessity. And it helped limit the spread of COVID-19. But studies show that a post-pandemic, remote-only model doesn’t work all that well for many office workers — or their companies.
In fact, research suggests that telecommuting benefits employees and employers when workers spend at least 40% of their workweek in the office. Surprised?

Research shows that the 40% threshold leads to the greatest level of employee engagement. And employee engagement leads to many great things — creativity, productivity, innovation and ultimately, a more competitive and successful organization. So how does time in the office help?

One important factor is the out-of-sight-out-of-mind issue. When an employee is in the same office as their manager and the rest of their teammates, it’s easier for the manager and colleagues to see and recognize achievements and for employees to engage with not only management but their colleagues, according to Gallup. However, fewer opportunities for recognition and collaboration occur when the manager and employees are in different locations. That can leave telecommuting workers feeling undervalued and less engaged. Collaboration, of course, is easier in an office setting as well.

Another reason why a 100 percent telecommuting plan is not the best option for workers is that fully remote workers do not get the opportunity to connect with their coworkers, which can lead to feelings of isolation. It’s a fact: Human beings crave connection with others. Offices are social anchors. Employees form bonds with other employees in office break rooms, lunchrooms and at the water cooler and coffee pot. A regular dose of face time with coworkers and managers can help increase the odds that an employee’s telecommuting efforts are successful for everyone involved. Post-pandemic, many workplaces recognize the value of offering both in-office work and time to work at home. And that can mean a different look, feel and design of commercial offices to maximize the time employees spend in the office.

It can also mean different risk management practices and insurance coverage. Hybrid offices often work more in the cloud, which requires different cyber security protocols and many times, different insurance coverage. Companies working under a hybrid office model should re-evaluate their risk management practices for cloud-based work and devices that leave the office and must be kept secure.

At Accurate Protection, we’re here to help you adapt and thrive in changing times. We’re more than an insurance broker. We’re your source of accurate protection for your business.

Effectively managing your company’s risks is a complex yet critical part of operating a successful business today. At Accurate Protection, we help companies solve the risk management puzzle. We work directly with our clients to help identify risks and develop a smart approach to reducing or eliminating their exposures. In addition, our detailed, multi-part education program, Work Smart, gives business owners additional tools to implement or expand their own risk mitigation programs. With more than 30 documented smart business practices in every area. Work Smart helps business leaders develop activities, policies and procedures that can reduce unnecessary business risks.

It’s estimated that two-thirds of all small businesses aren’t effectively managing risks, which can result in devastating circumstances. According to a report from the Federal Emergency Management Agency (FEMA), 40% of businesses do not reopen following an unexpected event and another 25% fail within one year after one occurs. Not being prepared could mean the end of your business.

On the other hand, a solid preparedness and risk management plan can dramatically increase the likelihood that your business will survive a major setback. Some risks are difficult or even impossible to plan for, of course. The global pandemic, for example, took much of the global business world by surprise — it’s one of those risks that few of us could have anticipated. But business owners can plan for so many other unpredictable events, such as major Internet or power outages, weather disasters, flooding, wildfires and other location or industry-specific threats.

A quality preparedness plan includes details such as a list of alternative suppliers should something happen to your existing supplier or supplier base and how your company would operate in a disaster. Here are some important questions to ask yourself: Are you following best practices to manage your company’s internal and external risks effectively? Do you have alternative work sites so that you can keep operating if your building is flooded or destroyed by fire? Do you have a way to keep employees informed of a major business problem? Do you have a backup of all important files and documents stored off-site? Is your insurance plan adequate? Are you doing everything you can to reduce unnecessary risks?

We can help you determine the greatest risks to your organization and help you find the most cost-effective ways to mitigate those threats. We don’t sell insurance, we get your business the accurate protection it needs.

Does your company have an effective plan to reduce on-the-job injuries and workers compensation costs, promote workplace safety and manage a wide variety of operational risks?

It should. Accidents and incidents happen in all types of companies — not just those that have employees operating heavy machinery or working in construction. Nationwide, an estimated 4 million workers are injured each year, and a significant portion of those injuries and accidents happen in or around offices. Injuries can be financially devastating for a small company, and they represent just a portion of the wide array of risks companies face each day.

That’s why effective risk management is vital. Any business — regardless of size or industry, needs to have a plan in place designed to protect the health and welfare of their employees and to reduce operational risk. In addition to accidents and injuries, there are a variety of risks companies face when hiring and terminating employees and in the day-to-day tasks of running a business. At Accurate Protection, we work directly with our clients, helping them to identify a wide variety of risks unique to their industry and business and guiding them to take a smart approach for reducing or even eliminating exposure.

Each company faces a variety of different kinds of risks and has some that are unique to their business and industry, so a customized approach is important. Our detailed, multi-part education program, Work Smart, gives business owners the information they need to start developing their own quality risk mitigation programs and better manage their workers compensation program and costs. Filled with nearly three dozen documented smart business practices in every area, from hiring to pre-incident planning, Work Smart helps business leaders develop activities, policies and procedures that can reduce unnecessary business risks. We make it easy to get the information you need and offer a library of over 1,000 downloadable articles in both English and Spanish that can help with all aspects of risk management.

Does your business have a safety manual? We’ll help you develop that important risk-reducing tool, too. At Accurate Protection, we’ll help your business identify its unique risks, develop risk mitigation strategies, address exposures through the right insurance coverages and monitor plans/strategies on an ongoing basis. We’ll also help your business make adjustments to your plans/strategies as needed. We’re much more than simply an insurance provider and here to help your company operate more effectively and efficiently.

Our company helps yours get the accurate protection it deserves.

Despite the growing awareness about cyber threats, many myths about cyber security still persist. Ready to separate fact from fiction? Here are some of the most common cybersecurity myths.

Myth #1 — Too much security diminishes productivity.

Some business owners worry that increased cyber security protocols will make it difficult for employees to access what they need to do their job. However, in reality, not having adequate cyber security protocols may have long-term and catastrophic consequences for your business. Many preventive measures require little hassle on the part of employees.

Myth #2 — Cyberattacks are only executed by external perpetrators.

Wrong! Insider threats are on the rise and should be a cause for concern for all businesses. Insider threats can include employees, vendors, contractors and business partners and be either a simple case of negligence or can be malicious in nature. A recent survey revealed that insider threats are responsible for more than half of all data breaches. All companies need to have plans in place to help prevent these types of attacks.

Myth #3 — Cybercriminals only attack large businesses.

Small and medium-sized businesses may wrongly assume that their data isn’t attractive to hackers. But these operations are among the most susceptible to cyberattacks. An Accenture survey revealed that hackers went after small businesses nearly half of the time. Unfortunately, only about 14% of these businesses were prepared to act defensively in such a situation.

The lesson: No matter the size no business is immune from hacking attempts and malicious attacks. Hackers don’t discriminate when it comes to their victims. So, don’t let the size of your business determine how valuable your data is or how secure your assets are.

Myth #4 — Cybersecurity and cyber insurance is too expensive

Even though the headlines paint grim stories, some companies still wonder if cybersecurity programs are worth the cost. Data security is frequently overlooked and many organizations respond reactively when they have no other option.

Just how expensive is such a mistake? Consider the fact that the average cost of a data breach in 2021 is $4.24 million, the highest in the last 17 years. This statistic doesn’t even take into account reputational losses and customer losses from a breach. One thing is for certain: The cost of a good cybersecurity plan and coverage is far less than dealing with the consequences of an attack.

There’s a lot of room for improvement when it comes to educating employees about cybersecurity. Case in point: the cybersecurity awareness training firm KnowBe4′s State of Privacy and Security Awareness Report. This report details the state of employee awareness and practices — and it’s not good news for most organizations.

The report is based on feedback from 1,000 employees in small, midsize and large companies in the United States. The purpose is to determine how much cybersecurity training workers have received and how that information translates into cyber security awareness. The report brings some alarming findings to the surface. For instance, employees surveyed could not identify some common and potentially devastating types of cyber risks and how those risks could adversely affect their employers.

According to the report, nearly one-quarter of employees believe that clicking on suspicious links or attachments presented little or no cyber risk. In reality, it’s one of the most common and effective strategies for cybercriminals. Similarly, less than a third of respondents said that allowing family members and friends to use work devices outside of work hours is risky or presents serious risks. In reality, this practice breaks the human firewall chain and has led to breaches.

What’s perhaps the most unsettling is that many employees who work in vulnerable sectors are not savvy when it comes to these matters. The survey found that only 14% of government employees and 22% of healthcare employees can confidently describe to senior management the negative effects of cybersecurity risks. This compares with 47% and 50% in technology and finance, respectively.

At the same time, the bad actors seem to be tuned into this reality. Due to the pandemic, cybercriminals have been taking advantage of industries that have been hit the hardest, such as healthcare, municipalities, and educational facilities. These hackers also see the pandemic as an opportunity to take advantage of employees that are now working remotely on their personal devices.

According to the report, employees in government and healthcare had the least amount of knowledge of social engineering attacks. Per the report, only 15% of government employees “very well” understood the five types of social engineering threats. Think phishing, spear phishing, business email compromise, vishing, and smishing. Workers in health care and education reported only slightly more awareness of these risks, at 16% and 17%, respectively.

This report and others like it underscore the need for regular employee training on cyber security risks and best practices; company-wide cyber policies outlining expectations for employees; the right preventive tools and the right type and amount of cyber insurance coverage.