Tuesday, March 31, 2015

2015 Wildfire Community Preparedness Day Virtual Workshop

Join NFPA and special guests for the 2015 Wildfire Community Preparedness Day Virtual Workshop Thursday, March 12 at 10am MT. Learn how you can accomplish something great on May 2!

Get ideas on how to organize friends of all ages, neighbors, or a community group and work together on a project that reduces your local wildfire risk. We’ll share access to free promotional resources and get you motivated with success stories from past events. Discover how you can easily implement activities where you live. Project ideas range from a couple of hours to an entire day and come in all shapes and sizes.

Saturday, March 28, 2015

Scheduling Mandate Bill a ‘Job Killer’ for Employers

(March 24, 2015) Legislation imposing a one-size-fits-all scheduling mandate on retailers has been identified by the California Chamber of Commerce as a “job killer.”

Wednesday, March 25, 2015

Informed Citizen: Renters Insurance

The premier episode of the Informed Citizen series! Justin explains the important of renters insurance and how it can save you lots of money and headache.

Sunday, March 22, 2015

Teens and Prom Drunk Driving

More teenagers die in alcohol related crashes during Prom season than any other time of the year. Etta Stewart lost her son Ryan on the night of his senior prom. She's now an active member of Mothers Against Drunk Driving. Mike Brownlee of the National Highway Traffic Safety Administration says teens are responsible for more fatal accidents than any other age group and that the numbers peak during prom season.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Thursday, March 19, 2015

2015 Minimum Wage Changes and Your Business | NFIB Legal Ease

A slew of states across the country raised minimum wage rates for 2015. Beth Milito of NFIB's Small Business Legal Center covers the changes and how they affect your business. She also discusses exemptions from the minimum wage, such as tipped employees, and what to do if your state's laws differ from federal wage and hour laws. Watch more in this series: http://www.NFIB.com/LegalEase

Monday, March 16, 2015

Time Management and the Small Business Owner

Small business owners put a lot of time into their jobs. See where all that hard work goes. Learn more: nfib.com/time

Tuesday, March 10, 2015

General Contractors Insurance Policies

In the construction business, General Contractors operate as the traffic director on a project. With this responsibility comes some liabilities to help protect your business. General Contractors need certain types of insurance policies which will protect them from accidents that can happen on the job.
As a general contractor some of the insurance responsibilities of independent contractors fall under your control. Everyone knows it is hard to be everywhere all the time, so accidents do happen even if you are keeping a close eye on everything.
You have worked hard to build your business it would be bad if it all came crashing down because of an accident. With the rising costs of medical bills and the rising number of lawsuits it is important to have an insurance policy that can cover you completely.
Below you will find the top 2 insurance policies ever General Contractor should have.
Important General Contractor Insurance Policies:
General Contractor Liability Insurance
Liability insurance was designed to help pay for costs in case bodily injury or property damage happens to a third party. The insurance company will pay for the medical costs and all litigation costs associated with the claim.
General Contractors Liability Insurance Protects Your Company From:
Bodily Injury
Bodily injury is physical damage to someone that doesn't work for you. It can be a client that is on the job site, or it can be someone in the public if one of your employees causes an injury while during company operations
Property Damage
Property damage works a lot like Bodily Injury except it is to someone's property instead of to themselves. As a General Contractor you have electricians working for you, if they happen to cause a fire that damages the house you are working on plus the house next door, liability insurance will pay for the cost of the damage.
Personal Injury
Personal injury occurs from slander, copyright infringement, invasion of privacy, wrongful eviction, or false arrest. It is anything that can damage someone's reputation.
Advertising Injury
Financial loss to another company because of your advertising.
Contractors Workers Compensation Insurance
The Workers Compensation Insurance system was designed to help both employees and employers. Workers Comp acts as a no fault system, which means the fault of the accident is neither on the employee nor the employer. This is a great system to help claims move a long and stop from frivolous claims.
Workers Compensation insurance will pay benefits to employees if they are injured on the job. This could include immediate injury or a long term illness gain at work. The benefits that Workers Comp pays for is medical benefits and wage benefits to employees.
Workers compensation is not required in every state. Even though you may not be required to have Workers Compensation Coverage it is an important policy to have in the protection of your business. If you don't have Coverage you are still liable to pay for the medical and wage benefits for the injured employee..
Regardless of the industry that you work in, it is important to have the right insurance coverage to protect your company. Liability Insurance and Workers Compensation laws and regulations change frequently, it is important to team with a knowledgeable Florida broker to make sure you are getting the right coverage.

Article Source: http://EzineArticles.com/6914425

Saturday, March 7, 2015


Highly trained dogs as well as sophisticated forensics labs have allowed investigators to pinpoint the cause of fires much more accurately in the past. Arson investigator, Sgt. Wayne Shaw says his dog can tell us if there is a liquid accelerant in the fire, which is an indication that the fire was deliberately set. Almost half of all arson fires are started by young people under the age of 18 and almost 7 percent of them are set by children under the age of ten. Psychologist Jude Setian-Marston says children set fires either because of curiosity or experimentation, or as a cry for help. The Insurance Information Institute says there are steps that you can take to decrease the likelihood that vandals will start a fire near your house. Keep firewood and other flammable items out of sight and away from the house, and support neighborhood watch groups because they prevent all types of crime including arson.

Wednesday, March 4, 2015

Hidden Hazards in Your Home

The Coalition for Consumer Health and Safety says many household injuries can be prevented. Steve Brobeck of the Consumer Federation of America says by taking some simple steps, you can protect yourself and your family from serious injuries. Falls are one of the most frequent causes of serious injury. Use double sided tape to secure loose rugs and place rubber mats in bath tubs and showers. Use step stools with hand rails, and be sure your child's crib is safe. Discard old cribs which might not meet current safety standards. The Insurance Information Institute says a few simple steps can prevent thousands of serious injuries from occurring.

Sunday, March 1, 2015

4 Things Contractors Should Know About Contractors Insurance

Any company involved in construction work, building maintenance or installation and repair services is in need of contractors insurance. Contractors will be ill-advised to forego contractor insurance in a climate of high crime statistics, unpredictable weather conditions, negligent workers, faulty equipment, defective materials and a million and one other thing that can go wrong in the contracting business.
There is also an ever-growing propensity to be held responsible and accountable for damages caused to third parties. Think about it this way: Insurance premiums cost a mere fraction of stolen materials, damaged projects or compensating clients or third parties for losses incurred through the negligence of workers or the forces of nature beyond anyone's control. By having the prudence and foresight to take out builders' insurance, contracting businesses are safeguarding themselves against possible losses and lawsuits that could end up by severely crippling the company financially or, in the worst case scenario, even bankrupting it. A contractor's policy actually costs very little in terms of premiums and is worth its weight in gold.
The basics of builder's insurance
1. Builders' Risk Coverage (also known as construction coverage)
Builders' risk insurance indemnifies the contractor for losses or damages to a building while the building is under construction. Insurance usually covers the building for a specific time period and applies only while the building is under construction. This type of insurance usually covers fire damage and vandalism. The policy may also include materials in transit to the building site as well as materials and equipment stored on site. Tools, equipment, vehicles, materials and any other assets used on site may also be covered. For the amount of protection it affords (and the peace of mind that goes with it) builder's risk insurance is relatively inexpensive (as against general liability insurance).
2. Insuring Materials on site and in transit
Given the cost of modern building materials, it is common practice for constructors to insure their materials either on site or while in transit. However, the onus is on builders to make sure that all reasonable precautions are in place to protect materials from theft or storm damage as much as possible. This coverage can also include materials stolen in transit due to the vehicle being hijacked while en route to the building site.
3. The most common insurance claims made by contractors
The most frequent claims made by contractors entail materials theft, damaged materials while in transit, storm damage, or surrounding properties being damaged while construction is in progress.
4. Most expensive Claims
The most costly claims most commonly filed by contractor are usually damages incurred by third parties and their properties due to the contractor's "negligence" for example, materials being blown off structures in storms or high winds and landing on nearby cars or buildings. Also damage caused to existing underground pipes or cables. Other high claims are damages caused by fire, rainwater damage to structures, lightning damage or severe storm damage. All these liabilities can be covered by an All Risks contractor's policy.

Article Source: http://EzineArticles.com/5030108