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How to Get Injured Employees Back to Work ASAP

Posted by David Ross on Sun, Nov 11, 2018

Strategies to lower your WC costs by getting employees back to work fasterThe majority of injured workers are back on the job within four days.

The longer an injured employee is off the job, the more it costs your company and the less likely the employee will return to work, so one crucial goal of any Workers Compensation Insurance program is to keep injured workers on the job or to get them back to work as quickly as possible.

Here are two time-tested strategies you can use to get your injured workers back to work ASAP: 

1 - Communicate

You should begin discussing your Workers’ Compensation program when an employee is hired. Most employees don’t understand how a WC program works or what is expected of them if they file a claim. Letting them know there is a process in place and that there are certain expectations from the start, can help save a lot of headaches down the road.

All new employees should be given a brochure about your Workers Compensation program including the following information:

  • How medical treatment is provided
  • How and who will pay the bills
  • Your company’s return-to-work (RTW) process

The brochure should clearly state that there will always be an investigation following an accident, that the employer wants the injured employee to return to work as soon as possible, and that they will not be punished for getting hurt.

That same brochure or an abbreviated version should be given to the employee when they are injured, so they have a step-by-step guide for the process. These brochures can help injured workers understand the process and allow them to become engaged in their recovery.

However, it isn’t enough to simply hand an injured employee a brochure. One of the most effective ways to get an injured employee back to work is through direct communication. There’s a good chance that employee is confused or overwhelmed and may feel alone in the process. You need to let them know that they are not alone and that you have their best interests at heart. 

A supervisor or manager that the injured employee knows and trusts should call the worker the day the injury occurs or the following day at the latest. Let them know that you’re sorry they were hurt and ask them how they’re doing. Let them know that they are a valued employee, and you want to get them back to work as soon as they are able. Let them know what to expect and what they need to do and answer any questions they may have.

Then there should be weekly conversations to monitor the employee’s progress. A get-well card can help too.

2 - Create a Designated List of Health Care Providers

The WC laws in each state are a little different, but in Pennsylvania, employers have the right to establish a list of designated health care providers that injured employees can use for 90 days from the date of the first visit. If an employer does not have a list of selected providers, provide written notice of the injured employee’s rights and responsibilities, and properly post the list, injured employees can go to the physician of his or her choice.

The advantage of having injured employees stay within your designated network of medical providers is that you can choose physicians who are well versed in occupational health issues. These physicians will understand that getting an injured employee back to work is not only in the best interest of the employer but also the employee. Research has shown that most people recover and heal faster if they are participating in productive activities rather than becoming a couch potato.

Here are some requirements for a designated list of health care providers from the Pennsylvania Department of Labor & Industry:

  • The list must contain at least six providers
  • Three of the six providers must be physicians
  • No more than four providers may be coordinated care organizations
  • Each provider’s name, address, telephone number and area of medical specialty must be included on the list
  • Listed providers must be geographically accessible and their specialties appropriate for the anticipated work-related medical problems of the employees

It's a Win-Win

A speedy transition from injury to return-to-work is a win-win situation and doesn’t need to be complicated. If you clearly communicate your WC and RTW processes and expectations with all employees from the start, regularly communicate with an injured employee, and show concern for the well-being of your injured worker, you’ll be able to get him or her back to work more quickly.

 

Save Big on WC Insurance - Contact Us Today! 

Save on PA Workers Comp InsuranceAmerican Insuring Group specializes in Workers Compensation Insurance and we can save you a bundle. We shop and compare so you don't have to, and we're really good at it!

So give us a call at (800) 947-1270 or (610) 775-3848, or contact us online and start saving!

Tags: workers comp costs, Workers Compensation Insurance, Business Insurance

Liquor Liability Insurance: Not just for Restaurants

Posted by David Ross on Sun, Nov 04, 2018

Do You Need Liquor Liability Insurance?It will soon be that time of year when many businesses will offer their employees a chance to celebrate the season with a holiday party. At some of these parties, alcohol will be served, and, as we all know, too much alcohol can make people do crazy things!

But how much is too much alcohol?

The answer to that question is entirely different if you’re talking about a 110-pound woman who hasn’t eaten all day and a 210-pound man who has been eating from the buffet for hours.

Be Careful - You Can Be Held Liable

What happens if one of your employees drinks too much and gets into a car accident on the way home? What if a vendor who stopped by your party drinks too much and breaks a leg falling down your steps? What if one of your managers drinks too much and gets into a physical altercation with a colleague?

The truth is that your business could be held liable or responsible because you served him or her too much alcohol. That means that you might have to pay for damages to your employee’s car and the car he hit, plus any injuries. That means that you may have to pay for your vendor’s medical expenses. And it means you could be sued for any injuries sustained in the altercation. That's where liquor liability insurance comes in, but more about that later.

Dram Shop Laws Also Apply to Private Events

Pennsylvania is one of 43 states that have Dram Shop Laws. That law states that any business or individual that serves alcohol in any form – wine, beer, spirits - to a visibly intoxicated person is legally responsible for bodily injury or property damage arising out of the serving of alcoholic beverages. This law applies to not only businesses like bars and restaurants that are in the business of selling alcohol, but also to businesses that provide alcohol at private events. It can also apply to a business giving alcoholic beverages as gifts to clients, vendors, or employees.

Liquor Liability Insurance 

The good news is that there is a way to protect your business: Liquor Liability Insurance. This insurance won’t keep you from getting sued, but it will help cover the cost of your legal defense and any settlements you may be required to pay if you are sued. 

Host Liquor Liability Insurance

While businesses with a liquor license are required to have Liquor Liability Insurance as part of their restaurant insurance coverage, Host Liquor Liability Insurance protects businesses that don't manufacture, serve, or sell alcohol from liquor-related lawsuits. It helps protect companies that host social events where alcohol is served, and it is often included in your Commercial General Liability policy. 

Host Liquor Liability coverage under your general liability policy may not cover you if you are negligent in any way such as serving alcohol to a minor or violating ordinances and regulations related to the distribution of alcohol.

How to Reduce Liability Exposure

You can also reduce your liability exposure by either not allowing alcohol at business events or if alcohol is allowed, practicing responsible behaviors. Here are a few tips to reduce your liability exposure:

  • Offer non-alcoholic beverages
  • Serve food
  • Consider hosting your party at a venue – like a restaurant or bar – that has a liquor license
  • Hire a professional bartender who can recognize the signs of intoxication
  • Arrange transportation or overnight accommodations for those who shouldn’t drive
  • Stop serving alcohol well before the time the party is scheduled to end
  • DO NOT charge employees for alcoholic beverages because then you are technically in the business of selling alcohol and all the implications that go with it.

 

Get the Right Insurance Protection - Contact Us Today

Buy Liquor Liability InsuranceIf you decide to serve alcohol at your next business function, check your commercial general liability policy to make sure that it provides coverage for liquor liability.

To protect your business from liability, give the experienced agents at American Insuring Group a call at (800) 947-1270 or (610) 775-3848 or contact us online. You'll get great insurance protection at a great price. Contact us today to get started.

Tags: Liquor Liability Insurance, Restaurant Insurance, Business Insurance

Truck Driver Fatalities and How to Avoid Them

Posted by David Ross on Sun, Oct 21, 2018

Truck Insurance Costs are Impacted by the Rate of Driver FatalitiesEvery time a truck driver gets into his vehicle, he’s facing the possibility of an accident, and accidents that involve big rigs have a higher probability of causing severe injury, which of course impacts the cost of trucking insurance.

It’s no surprise that the transportation industry has the highest incidence of fatal work injuries. According to the U.S. Department of Labor (DOL), there were 1,388 transportation and material moving workers fatally injured at work in 2016. That number accounted for 40% of all reported on-the-job fatalities.

Increasing safety and minimizing accidents is one of your best defenses against rising commercial vehicle insurance costs and the ever-increasing shortage of truck drivers.

Accidents and Driver Error 

Most accidents that involve big rigs are due to driver error including lack of poor judgment, speeding, using a mobile device, not being aware of blind spots, driving under the influence, and driving while fatigued. The Federal Motor Carrier Safety Administration (FMCSA) states, “Even the most well-trained, safety-conscious commercial motor vehicle (CMV) driver is at risk of engaging in driving behaviors that could lead to a crash on today’s crowded highways.”

Understanding what causes truck accidents and how to avoid them is the first step. Providing ongoing safety training for drivers and enforcing a culture of safety is the next step. It may seem like a lot of effort up-front, but the payoff will be far-reaching and long-term.

 

Here are 3 tips for safe driving leading to lower truck insurance costs:

1 - Stay Sharp/Pay Attention

Truck drivers need to pay attention to their surroundings: unexpected road conditions, distracted drivers, and drivers who don’t understand how commercial vehicles operate. FMCSA suggests scanning ahead about a quarter of a mile on interstates and one or two blocks in cities and checking the mirrors every 8-10 seconds to be aware of vehicles entering blind spots.

There is a good reason why it is illegal for commercial drivers to text while driving. According to FMCSA, “The odds of being involved in a crash, near-crash, or unintentional lane deviation are 23.2 times greater for truck and bus drivers who are texting while driving.”

Other deadly distractions include eating, drinking, map reading, or any activity that takes your focus off the road. If you need to do something while you’re driving, get off at the next exit or pull over somewhere safe. 

And do not get behind the wheel of a truck when you are tired, too ill to focus, or on medications that can make you drowsy. According to the Large Truck Crash Causation Study (LTCCS), 13 percent of commercial motor vehicle drivers were considered to be fatigued at the time of their crash, and a recent study showed that 17% were reported as having “over-the-counter drug use” when they were in an accident.

2 - Buckle Up

Buckle up; it’s the law. You’ve seen the signs, and that doesn’t just apply to passenger vehicles. FMCSAstates, “A CMV which has a seat belt assembly installed at the driver's seat shall not be driven unless the driver has properly restrained himself/herself with the seat belt assembly.” According to the FMCSA, “a safety belt is the most important in-cab safety device that will protect an occupant in the event of a sudden stop or crash.”

No matter how good of a driver you are or how uncomfortable you may think they are, you should wear a seat belt at all times.

3 - Know When to Slow Down

According to the Large Truck Crash Causation Study, 23% of large-truck crashes occur when drivers travel too fast for conditions. Some conditions to pay attention to are wet roads, reduced visibility, uneven roads, construction zones, curves, and intersections.

Drivers should reduce their speed by 1/3 on wet roads and by ½ or more on snow packed roads. Roads can be particularly slippery when it first begins to rain. Typically, manufacturers advise against using a retarder on wet or slippery roads. 

There’s a reason there are reduced speed limits at curves: 40% of speeding-related fatalities occur on curves. Braking in a curve can cause the wheels to lock up and the vehicle to skid, and trucks entering a curve too quickly can lose control and roll over due to a truck’s high center of gravity.

Work zones present many hazards such as lane shifts, moving workers, and uneven road surfaces and are particularly dangerous areas for truckers. In 2014, 30% of fatal work zone crashes involved at least one large truck. Decrease your speed and get into the correct lane well ahead of work zones. Leave extra room between vehicles, obey all work zone signs, watch for road workers, and be prepared to slow down or stop suddenly.

More Safe Driving Tips for Truckers

Check out FMCSA’s website for more safe driving tips. It just might save a life and help you save on trucking insurance as a bonus!

 

How to Save Big On Truck Insurance 

To learn more about saving on trucking insurance, give American Insuring Group a call at (800) 947-1270 or (610) 775-3848, or contact us online. We specialize in trucking insurance, and as independent agents, we will compare the cost and coverage of multiple insurance companies to ensure that you get the best price on reliable commercial vehicle insurance. Contact us today!

Tags: Commercial Vehicle Insurance, Trucking Insurance, truck insurance, Business Insurance

4 Ways to Minimize Contractor Insurance Losses

Posted by David Ross on Sun, Oct 14, 2018

Follow these steps to reduce contractors insurance losses  in PA, DE, NJ and beyond.Murphy’s Law states that if something can go wrong, it will go wrong, and it’s a law that could have been written with the construction industry in mind! There are so many moving parts, activities, and different players all working on a location that has potential hazards around every corner.

So it’s essential that you ensure that you have proper construction and contractor insurance coverage to protect your business. Major losses can do more than just set your business back; they can put you out of business.

Here are four guidelines to minimize your contractor insurance losses:

1 - Carefully Inspect All Insurance Certificates

Every subcontractor you hire should provide certificates that prove they have the necessary insurance coverages, but it’s also important to thoroughly inspect these certificates, which provide only the bare minimum information such as the carrier and the limits of the insurance.

You should have a broker such as American Insuring Group who specializes in contractors’ insurance review all your subcontractors’ policies to ensure that there is enough coverage to protect you if that subcontractor causes an injury or damage and a claim is filed.

Subcontractors often try to save money by purchasing the least expensive insurance available, so you may want to require specific coverage limits, types of coverage, and exclusions based on the scope of work the contractor will be performing and the size of the project.

2 - Force Subcontractors to Take Some of the Responsibility

It’s always a good idea to have a contract in place that clearly states who is responsible for what before something happens including hold harmless or indemnity agreements to protect you from losses.

In addition, the written contract should state that a subcontractor is responsible for some portion of the deductible if they are in any way responsible for any losses. You can also shift some of your losses onto their insurance policies by requiring them to name your company as an additional insured on their policies.

3 - Consider Wrap-up Insurance

When you work on large-scale projects with dozens of subcontractors, it can become overwhelming to keep track of all the different insurance policies involved. This is a good time to consider purchasing General Liability Wrap-Up Insurance. This type of policy protects the owner, general contractor, and all enrolled subcontractors working on the project.

It can be purchased by either the owner or general contractor and is generally used for residential projects with construction costs starting at $10 million and commercial projects starting at $20 million. Wrap-up Insurance can provide cost savings, better control of insurance coverages, and the peace of mind that your business is appropriately protected in the event of a loss. Additional policies can be purchased for excess liability, professional liability, builder’s risk, and pollution liability.

Since the owner or general contractor covers the cost of Wrap-Up Insurance, you can help offset that cost by having subcontractors contribute to the cost of the insurance through bid deductions.

4 - Think Twice About Cost-Cutting Measures

The cost of liability insurance is based on the cost of the project, so it may be tempting to bring the cost of the project down by using cheaper materials. However, it’s important to remember that inferior materials can add to your losses because they’re more likely to wear out earlier, break, or malfunction in some way. You’ll want to weigh the cost savings with the risk.

Working With The Right Insurance Agency is Key - Contact Us Today! 

As you know, every project is unique. That’s why it’s so important to work with an insurance agent who specializes in contractors insurance and knows how to see that you’re adequately insured and protected. Give American Insuring Group a call at (610) 775-3848 or (800) 947-1270 or contact us online to speak with one of our contractors’ insurance specialists.

Tags: Contractor Insurance, Construction Insurance, Wrap Up Insurance, Business Insurance

Tune Up Your Workers Comp Program for Lower WC Insurance Costs

Posted by David Ross on Sun, Sep 23, 2018

Lower your workers comp insurance costs in Philadelphia, Lehigh Valley, Berks County, Lancaster County, PA and beyond with these tipsWouldn’t it be great to this the year you decrease your Workers Compensation insurance costs? Now is the perfect time to tune up your WC program to experience cost-savings.

Take some time to look at your current program to see if any areas need to be updated or can be improved.  

Here are 6 tips for tuning up your Workers Compensation program:

1- Improve Safety

Improving workplace safety will have the biggest influence on your WC costs. A safer workplace means fewer injuries, fewer claims, and lower WC costs. Here are some tips:

  • Look for ways to improve your safety training
  • Review the current members of your safety committee. Are they still the best people for the job? Are there any gaps?
  • Schedule work-site evaluations and safety inspections for the year
  • If you’ve acquired any new equipment or created new jobs, update your safety manual
  • Review all of your safety communications including posters and brochures to make sure they are up-to-date and that they’re doing the job. HINT: There are many resources online - such as OSHA and the USDA– that offer free safety materials.

2 -Report Claims

Insurance claims should be reported the same day the accident occurs to allow WC claims adjusters to investigate the accident properly and establish compensability. Quick reporting will enable adjusters to control the course of the WC claim better.

Take a look at how quickly accidents within your company were reported this past year. If you see that it took more than a day to report any claims, review your claim reporting procedures with all managers and supervisors, and explain why prompt reporting is imperative to the quick resolution of WC claims.

3 - Keep in Touch with Your Injured Employees

You might be surprised to learn how much of a difference this can make in resolving WC claims more quickly and amicably. Let your injured employees know that your company cares about their well-being and that they are an essential part of your company’s workforce.

Here’s how:

1) Contact the injured employee the day of the accident to see how they’re doing

2) Contact them two days after the accident to make sure they understand WC procedures and to answer any questions they may have

3) Invite them to all work functions, so they continue to feel like a part of the team

4) Meet with injured employees weekly to monitor their progress 

4 - Improve Your Return to Work Program

It’s impossible to deny the benefits (for both employee and employer) of getting injured employees back to work as quickly as possible, whether that means returning to regular or light duty. Your goal should be to return at least 95% of your injured employees to work within 1 to 4 days after their injury.

Take some time to determine light-duty jobs that a recuperating employee may be able to do. Then, when an employee is injured, make sure that you give the medical provider a complete job description, so they can add any added restrictions. 

5 - Stay Current on All WC Insurance Claims

We already stressed the importance of keeping in regular contact with an injured employee to monitor his or her progress, but it’s also important to stay in touch with the claims adjuster to discuss the injured employee’s recovery progress, return-to-work status, and any permanent partial disability, which will require a modification to the employee’s job description.

6 - Fight Workers Comp Insurance Fraud

Make sure your employees are aware of the consequences of WC fraud. Post anti-fraud posters throughout your facility, start a fraud hotline for other employees to report suspected fraud anonymously, consider offering a reward to anyone who provides information that leads to a criminal conviction, and always report any suspicious claim to the Special Investigations Unit of your insurer.

 

Ready to Save? Let’s Tune Up Your WC Insurance Policy!

Contact us to save on workers compensation insuranceThis is a great time to review your WC policy for potential opportunities to save while getting better coverage. American Insuring Group specializes in Workers Compensation Insurance and will help you get the right insurance at a great price.

So give one of our experienced independent agents a call at (800) 947-1270 or (610) 775-3848 or contact us online.

We’d love to help you make this the year you lower your company’s Workers Comp costs!

Tags: workers comp costs, Workers Compensation Insurance, Business Insurance

Workers Compensation Insurance in the Construction Industry

Posted by David Ross on Sun, Sep 16, 2018

Workers Comp insurance costs are high in the construction industry, but here's how to lower them in Philadelphia, Reading, Chambersburg, Allentown, Erie, Pittsburgh, PA and beyond.We’re sure it comes as no surprise that the cost of Workers Compensation insurance is higher in the construction industry than in most industries. The main reason for this is that worksites can be dangerous places.

There’s heavy equipment being used, people working at great heights, continually changing surroundings, and too often, safety training is put off due to tight deadlines. These potential hazards often result in more frequent workers comp claims and more severe injuries, which means higher medical payments and in turn higher workers comp insurance costs for employers.

Unique WC Challenges in the Construction Industry

In addition to higher risk, construction companies face some unique workers comp safety challenges: 

  • There is usually a mix of employees and subcontractors working at the same job site, which makes it more challenging to ensure consistent safety training and the enforcement of safety procedures. Contractors should always verify that subcontractors have adequate workers' compensation coverage.
  • Falls account for an estimated 30% of all construction claim payments. Injuries from a fall are usually more severe and result in more time away from work and damage to more than one body part. Falls are also the leading cause of death for construction employees accounting for 370 of the 991 construction fatalities in 2016.
  • Skilled tradesmen usually require specialized training and undergo unique physical demands, which often means higher pay that results in indemnity benefits that are either near or at the state’s maximum level. Indemnity benefits are benefits paid to the injured employee to replace part of his or her lost income and account for about half of all the money spent on WC claims in the construction industry.
  • Finding modified duty for injured construction workers can be difficult because once a project is completed, the company moves to another location – sometimes in a different state.

How to Reduce Workers Compensation Insurance Costs in the Construction Industry

Create a Safer working Environment

It’s impossible to eliminate all hazards at a worksite, but there are steps you can take to minimize those hazards. Construct Connect offers these tips:

  • Establish a Safety Culture – A commitment to safety needs to start at the top, and it needs to be incorporated as one of the core principles of your company’s culture.
  • Create a Site-Specific Safety Plan – Each job site is different and comes with its own unique set of hazards, so a safety plan needs to be created for each site.
  • Training – Safety training should be thorough and ongoing.
  • Empower Workers to Speak Up and Hold Each Other Accountable – Everyone on a job site should feel comfortable speaking up if they observe unsafe working conditions.
  • Conduct Daily Safety Meetings – Quickly review the work being done that day and discuss the hazards involved and the safety measures and controls in place.
  • Inspect, Evaluate, and Adjust – Every day the construction site should be inspected, and as construction progresses, the safety plan should be evaluated to see if any changes need to be made.

Return-to-Work Program

Another way to reduce WC insurance costs is to have a good return-to-work program that gets injured employees back to work as quickly and safely as possible, even if that means modified duties. Research shows that there are many benefits to getting an injured employee back to work: 

  • Reduces the financial impact of the injury
  • Lowers likelihood of fraudulent claims
  • Reduces the cost of training and replacing employees
  • Promotes good morale among the injured employee and his or her co-workers
  • Can speed up the healing process

We Specialize in Insurance for the Construction Industry

American Insuring Group specializes in insurance for the construction industry in Pennsylvania and beyond. We understand your unique challenges and can help ensure that you have the right coverage. Plus, we compare pricing with competing insurance companies to make sure you get the best price on workers compensation insurance and on all other types of insurance for your construction business.

If you want to learn more about saving money on business insurance, give one of the experienced independent agents at American Insuring Group a call at (800) 947-1270 or (610) 775-3848 or click here to contact us.

Tags: workers comp costs, Workers Compensation Insurance, Business Insurance

What is Commercial Liability Insurance and Do You Need it?

Posted by David Ross on Sun, Sep 02, 2018
Business-Liability-Insurance-2018-Tips-300Every business – no matter how big or how small – faces liability, but do you need general liability insurance? Regardless of how careful you are, accidents can (and do) happen causing damage to property and/or injury to employees, customers, vendors, etc.

And a close cousin to liability is litigation. According to a 2013 poll, 43 percent of small-business owners have reported being threatened with or involved in a civil lawsuit. And the cost of those lawsuits wasn't small. Business owners who have had to pay legal damages, often say the costs nearly put them out of business.

What is Liability?

Liability is defined as "the state of being responsible for something, especially by law." If your business is responsible (or even perceived to be responsible) for an employee slipping, falling, and hurting themselves, your company is liable. If one of your business vehicles causes an accident and damage is caused, your business is liable. And when your business is liable for something it means that it is responsible for paying for injuries, damage, and possibly more.

What is General Liability Insurance?

General Liability insurance – also called Commercial General Business Liability Insurance, Commercial Liability Insurance, or Business Liability Insurance - pays for your businesses obligations if your business is responsible for an injury, accident, etc. It pays for things like medical costs and the cost of repairs. Liability Insurance also helps cover the cost of your legal defense and any settlements you may be required to pay if you are sued.

At an annual cost of $750-$2,000, Commercial Liability Insurance is a good investment for any business when you consider the alternative. Lawsuits can cost thousands if not millions of dollars, or worse – the loss of your business. The actual cost of your premiums will vary depending on how much coverage you need, the perceived risk of your business (i.e., contractors will pay higher premiums than bookstore owners), and where your business is located (some states are known to award more damages to plaintiffs claiming personal injury).

If your business faces excessive risk, you can choose excess or umbrella insurance, which will increase your coverage limits.

You may be able to save on Liability Insurance by bundling it with other insurance policies into what is known as a Business Owner's Policy (BOP), but liability coverage with a BOP can sometimes be quite low, so make sure that you have enough coverage.

Other Types of Liability Insurance


Sometimes businesses face unique types of liability that aren't generally covered under General Liability Insurance. Here are five different types of Liability Insurance:

Professional Liability Insurance

Also known as Errors & Omissions (E&O) or Professional Indemnity Insurance, Professional Liability Insurance addresses negligence claims due to harm that results from mistakes or failure to perform. This insurance is pretty standard for doctors, lawyers, architects, etc.

Workers' Compensation Insurance

This insurance covers medical costs and lost pay for an employee who is injured on the job. It also helps cover legal fees if the employee sues. WC is required for most businesses that have employees in Pennsylvania.

Product Liability Insurance

If a product that you manufacture causes damage or injury Product Liability Insurance can help pay for repairs, medical costs, and/or litigation fees. 

Automobile Insurance

You may not think of this as liability insurance, but if a vehicle that is owned by your company causes an accident, you are liable for any damage or injuries caused. Automobile Insurance can help cover these costs.

3 Simple Steps to Buying Liability Insurance

• Assess your risks
• Find a reputable licensed independent agent
• Re-assess every year

Our Experienced Independent Agents Can Help!

Tip: Contact us to save on Business Insurance in Berks County, Philadelphia, Lancaster, Harrisburg, Lehigh Valley PA and beyond!What type of liability insurance and how much coverage you need to protect your business is very unique. But you don't have to go it alone!

The experienced agents at American Insuring Group can help determine the best insurance to fit your needs, and as independent agents, we're able to shop among many competing insurance carriers. We're relentless in seeking the best insurance to meet your specific needs, and to get it at a great price. 

So give us a call at (800) 947-1270 or (610) 775-3848 or find us online.

Tags: Commercial Liability Insurance, Business Insurance, Small Business Insurance

A Crash Course on Business Insurance

Posted by David Ross on Sun, Aug 19, 2018

Business insurance comes in many types. Contact us for the best business insurance at a great price.Whether you’re the owner of a one-person home-based handcrafted jewelry business or a large manufacturing plant with 300 employees, you face risk every day. You could lose your entire inventory to a fire, cause an injury while driving to a client meeting, or face a lawsuit for any number of reasons.

It is true that larger companies usually face more risk, but smaller companies typically don’t have the resources to recover from an injury, damage, or loss. One nasty lawsuit can put a small company that doesn’t have the proper protection out of business!

Business insurance acts as a safety net and helps protect your business from unforeseen circumstances such as theft or accidents, but not every company needs every type of insurance. Here’s a crash course in business insurance, but remember that an experienced, independent insurance agent can help determine what risks your business may face and the best insurance to cover those risks.

The Most Common Types of Business Insurance

There are many different types of insurance, and most businesses aren’t prone to every one of the risks these insurances address, but it’s good to know what is available to you.

Commercial Liability Insurance

This is a big one that most businesses need. Liability insurance protects you from lawsuits filed by customers, clients, or anyone else who decides to sue you. The three most common types of commercial liability insurance include general liability, umbrella liability, and errors and omissions liability.

  • General Liability Insurance protects your businesses from lawsuits for bodily injury or property damage.
  • Umbrella Liability Insurance goes above and beyond general liability insurance with broader coverage. Plus, if you’re on the wrong end of a huge lawsuit, umbrella liability picks up when your general liability is tapped out.
  • Errors and Omissions (E&O) Liability Insurance (A.k.a. Professional Liability Insurance) covers you if you’re sued for negligent acts or failure to provide the level of advice or service expected by a customer. Some of the businesses that typically carry this insurance are engineers, lawyers, and consultants.

Commercial Auto Insurance

Personal auto policies are meant to cover individuals and their family members and may contain exclusions for certain types of business activities. If you use any vehicle – car, truck, van, etc. - to conduct business, you’ll want to look into a commercial auto policy to cover both liability and physical damage in the event of an accident.

Workers’ Compensation (WC) Insurance

WC covers the cost of medical care and lost wages for employees who are injured on the job and litigation fees for businesses that are sued by an injured worker. In Pennsylvania, It is required for most businesses with employees.

Other Types of Business Insurance

Other types of coverage may be specific to a business or an industry. For example, if a company depends on one person to continue operating, they may want to purchase Key Person Insurance to protect them if that person becomes disabled or dies. If a business serves alcohol, they should look at Liquor Liability Insurance because most General Liability Insurance policies don’t cover incidents caused by serving alcohol.

How the Cost of Business Insurance is Determined

Many factors determine your insurance premiums (the amount you pay for insurance). Here are a few:

  • Type of business: If you’re in an industry that is notoriously dangerous like construction you’ll pay more than a shop that sells kitchen gadgets.
  • Age of Business: If you’ve been in business for a while, you may see some of your insurance premiums decrease.
  • Claim History: If your company has a history of making a lot of claims, you’ll probably pay more than one that doesn’t.
  • Your deductible: Usually the higher the deductible (the amount you pay out of pocket when a claim is made), the lower your premiums.

How to Purchase Business Insurance

First, you’ll want to select an agent who is licensed to sell property/casualty insurance. Also, an agent who is familiar with your business is better suited to determine your risks and your insurance needs.

Purchasing business insurance online is probably not a good idea especially if you’re unfamiliar with insurance. Having an agent that you can talk to and ask questions, is well worth any savings you may or may not find online.

 

Are You Ready to Save on Great Insurance For Your Business?

As a broker, American Insuring Group represents several insurance companies, which means that we can compare prices among lots of competing providers, and take advantage of available discounts. The result? You get the best price on your insurance!

For a free business insurance quote, give us a call at (800) 947-1270 or (610) 775-3848 or contact us online.

Tags: Business Insurance, Commercial Liability Insurance, Commercial Vehicle Insurance, Commercial Auto Insurance, Workers Compensation Insurance

Restaurant Workers Comp Insurance: The Good, Bad and Ugly

Posted by David Ross on Sun, Aug 12, 2018

Restaurants come in all shapes and sizes from national fast-food chains to family-run diners with a single location. A safe restaurant can lower your workers compensation insurance costs in Allentown, Philadelphia, Reading, Lancaster, Pittsburgh, Erie, PA and beyond. it’s a mixed bag.

On one hand, the cost of workers comp insurance for servers, cashiers, busboys, dishwashers, and management is lower than average for all occupations. On the other hand, the cost for WC insurance for cooks is above average. 

Most Workers Comp Insurance Claims are Small

Thankfully, most injuries that occur within a restaurant are relatively minor. This translates to lower medical benefits costs, lower temporary total indemnity benefits costs, and infrequent permanent partial disability benefits.

The restaurant industry has a high turnover rate, which often means that safety training is limited, which can lead to more injuries.

Returning to Work

Getting employees back to work quickly and safety after a workplace injury is always a priority of a good workers compensation program. With the restaurant industry, the bad news is that the high number of employees who speak English as a second language can make placement in alternative duty positions challenging; the good news is that there are plenty of modified duties available. Here are just a few examples:

  • A waiter or waitress can fill in as host or hostess.
  • Some injured employees can do side work like setting up the tables or filling water glasses, salt and pepper shakers, ketchup bottles., etc.
  • A dishwasher can ask another employee to carry heavy tubs of dirty dishes so he or she can wash them.

How to Lower Your Workers Compensation Insurance Costs

Workers compensation insurance rates often come down to safety. More injuries mean higher workers comp costs, and of course fewer injuries mean lower insurance costs. It may not be easy, but it is worth it. For every one dollar spent on safety programs, businesses can save $4 to $6 from costs associated with injuries and fatalities, according to Occupational Safety and Health Administration (OSHA).

Here are a few tips to help reduce the number of injuries at your restaurant:

  • Create a safety program for your restaurant and provide safety and first aid training

  • Require that all injuries – no matter how small - be reported so you can identify patterns or potential problems before something big happens

  • Offer employees incentives such as safety awards and other prizes for employees who follow your safety program.

Common Restaurant Injuries

In and out of the kitchen, injuries from falls and disability from repetitive motion injuries occur more frequently in restaurants than in most industries. While most injuries are minor, severe injuries, can and do occur in restaurants, especially in the kitchen. Here are three of the most common injuries in restaurant kitchens according to QSR magazine:

Burns

More than 5,000 restaurant fires are reported in the U.S. every year resulting in about 100 injuries, about $116 million in property damage, and fewer than five deaths. It’s no surprise that FEMA reports cooking as the leading cause of restaurant fires accounting for 64 percent of all restaurant fires. Other causes include unintentional careless actions (4 percent), appliances (4 percent), and other heat (3 percent). Deep-fat fryers are the top cause of burns in restaurant kitchens, according to OSHA.

The National Restaurant Association recommends these burn prevention tips:

  • Use trays, hot pads, oven mitts, or dry waiter’s cloths to help carry and serve hot dishes.

  • Be careful when removing plates from heat lamps and heat strips to avoid contact with hot surfaces.

  • With deep-fat fryers, use the correct grease level, cook at the manufacturers recommended temperatures, and don’t over fill fryer baskets.

  • Because oil and water don’t mix make sure that fryer and fryer baskets are dry after washing and don’t allow excess ice crystals from frozen foods to get into the cooking oil.

  • Keep grill and stove surfaces clean to prevent grease flare-ups.

  • Use proper cooking tools such as tongs to prevent contact with hot surfaces and foods.

Lacerations and Puncture Wounds

Most cooks have had their share of scrapes and small cuts, but serious lacerations and even amputated fingers can happen. Your kitchen staff should be trained on how to use knives properly and sharp tools should always be returned to their proper location when workers are done using them. A knife left on a counter could easily fall on someone’s foot causing injury. When a laceration or puncture wound does occur, immediately treat and disinfect the wound to help prevent infection.

Sprains and Strains

Restaurant workers can suffer from strains if they’re using improper lifting techniques, and reaching for hard-to-reach items can cause injury.

Misplaced or hard-to-reach items can cause worker injury due to overreaching or trips. Restaurant workers can also suffer from strains due to improper lifting. When these injuries occur, analgesic heat rubs, muscle ointments, and aspirin can help reduce pain and maintain productivity.

 

Get a Free Workers Compensation Insurance Quote and Start Saving!

For a free workers comp insurance quote for your restaurant or other business, call American Insuring Group at (800) 947-1270 or (610) 775-3848 or contact us online.

Our dedicated independent agents will carefully shop the market, leaving no stone unturned to help you find great protection at the best price!

Tags: Restaurant Insurance, Workers Compensation Insurance, workers comp costs, Business Insurance

3 Restaurant Insurance Tips to Protect Your Business

Posted by David Ross on Sun, Jul 08, 2018

Restaurant Insurance Tips and advice for restaurant, bar, and nightclub owners in Philadelphia, Allentown, Pittsburgh, Erie, Harrisburg, Reading, Lancaster PA and more.As a restaurant owner, you know there are certain types of restaurant insurance that you need to protect your business.

What if a customer is injured on your property and sues you? How will you repair the damages if there’s a fire in your kitchen? There are so many “what-ifs” in any business, especially if you’re in the food industry.

While you may have perfected your Béarnaise sauce and learned how to create a soufflé that stands tall, what do you really know about insurance? How well do you know each type of insurance and how much coverage you need? Let’s face it; insurance can be complicated!

That’s why your best bet is to work with an independent insurance broker who specializes in restaurant insurance and can help ensure that you have the right coverage at the best price.

 

Here are 3 Things to Consider Before Signing on the Dotted Line

#1. Assess your Risks and Insurance Needs

Play the “what if” game to determine what kind of risks your business may be susceptible to and then consider what assets are essential to running your business – the ones you can’t do business without. An underwriter from your insurance company will determine the level of risk it is willing to take and how much coverage it is ready to provide to determine your insurance premiums.

However, it’s still good to know what protection you need. And things change – maybe your business is growing, or you sold a piece of equipment – so you’ll want to have a yearly insurance checkup with your insurance agent to make sure you still have the right coverage to protect your business.

#2. Realize that Cheaper May Not Be Better

It’s true that you don’t want to pay more for insurance than you have to, but if you purchase the cheapest insurance, and it doesn’t cover you when something happens, that isn’t protecting your business. 

Many restaurant owners increase the deductible to save money on their premiums. That’s often a good idea, but make sure you have enough available cash to cover that deductible if something happens. Before raising that deductible, ask yourself, what financial resources do I have available and what level of risk am I willing to take.

The best way to save money is to work with a broker who can get you the best price on the coverage you need by comparing prices from several insurance agencies.

#3. Understand What You’re Signing Before You Sign

Insurance policies can be complicated, but it’s essential that you understand the terms of your policy and the exact coverage that it provides. Make sure that you understand the exclusions and look for gaps where additional coverages may be needed.

For example, if you have a liquor license, general liability usually doesn’t cover that, but liquor liability insurance does. Talk to your insurance broker and ask questions - that’s what we’re here for.

Remember, the purpose of business insurance is to protect your business. To make sure that you’re covered if you get sued or if there’s a fire in your kitchen, or if any number of unforeseen incidents occur. You want to be certain that an accident cannot put you out of business.
 

Get Help. Contact the Restaurant Insurance Specialists!

Get the best restaurant insurance at an affordable price. Serving Philadelphia, Berks County, the Lehigh Valley, Allegheny County and more.Don't go it alone. Give American Insuring Group a call at (800) 947-1270 or (610) 775-3848 or contact us online.

We specialize in quality restaurant insurance at affordable pricing, and provide prompt service not only when you’re purchasing your insurance, but also if you have a claim.

We have access to multiple insurance companies and will shop and compare both coverage and cost to ensure that you have the right insurance to protect your business at the best possible price.

Tags: Restaurant Insurance, Bar Insurance, Nightclub Insurance, Business Insurance