Author: Student Health Care Administrator

Workers Compensation Claim

Calculating Your Workers Compensation Claim

When you’ve been injured at your job, you’ll want to know how much a worker’s comp claim is worth before you file. Not all employers have workers comp insurance coverage, so first check their policy and what it covers. Once you know that, you can begin to add up the total worth of your injury so that you know how much to ask for in a claim. Here are expenses that you can factor in your claim.

What to Claim

You should keep all medical bills related to your injury in an organized file. Since they already have monetary values, they are easy to include in a claim. You may also include wages that you’ve lost because of time away from work. Those who require temporary or permanent disability may make special claims for that. If you have lost a loved one in a work accident, you can file for funeral expense coverage.

How to Calculate a Claim

You can calculate how much to ask for in a claim in a number of different ways. There are tools you can use, like a worker’s compensation overpayment calculator online, or you can reach out to legal sources. Talking to a lawyer may help you understand state laws surrounding your claim and give you a better idea of how much your claim is worth.

Lunchtime Liabilities

What Schools Need to Know About Their Lunchtime Liabilities

Lunch release programs for high schoolers are a great way to give students a break from demanding academic subjects and long days of confinement to the classroom. However, in spite of the benefits of such a program, off-campus lunches create a number of unique liabilities and risks.

Issues of Safety

While on campus, the school generally bears the responsibility of student health and safety. This holds true for accidents in the gym and meals served in the cafeteria. A student who leaves campus is open to safety concerns that school administrators can’t control. Student drivers may get into a car accident. Horseplay or other behaviors in a restaurant or on the street could also lead to student injury. Lunchbreak may be during school hours, but in some cases, leaving campus absolves the school of responsibility for the behaviors of the students.

Concerns of Liability

When it comes to school lunch liability, students dining on campus are the responsibility of the school. For schools that want to protect their liability from student actions who are dining off-campus for lunch, having a parental permission form on file puts the legal liability back with the parents. However, schools can still be held responsible for students that leave campus freely on their lunch break and return to harm others.

With the safety of students as the first priority, schools need to work out how to reduce their own liabilities while granting students lunch freedoms.

Workplace Injury Leave and Compensation

Overlap Between Workplace Injury Leave and Compensation

When employees get injured at work, many times they wonder whether it is required that they use up any Family and Medical Act Leave while they are recovering. The allowances of FMLA are for 12 weeks of job-protected but unpaid leave each year with continued health insurance coverage. It is expressly to be used for medical and family reasons. However, serious work injuries could qualify for both worker’s compensation and FMLA coverage.

Concurrent Protection

In some cases, you can concurrent protection using workers comp and FMLA. Your workers’ comp leave could be counted toward any FMLA entitlement, but this occurs when the employer notifies a seriously injured or ill employee in writing that this overlap will take place. Whenever this overlap occurs, benefits from the workers’ comp plan will still payout but the time is counted against their 12 weeks of yearly leave. Employers are required to provide leave based on the greater benefits between the two programs.

Filing Choices

Employers that carry workers’ comp insurance don’t generally require their employees to file FMLA when the employee has been injured at work. In truth, employers are not legally allowed to force an employee to use FMLA for an absence of work instead of paying out the benefits. State laws do vary on what the requirements for carrying workers compare.


How to Tell If Cannabis Is Legal

As more states legalize the use of cannabis, dispensaries are popping up to cater to the public. Although using cannabis may be legal, there’s a chance that the product you are buying is not. When it comes to legal vs. illegal cannabis, here are the ways to know if you are making a quality purchase.


What is Your Location?

The first thing you want to think about is what type of cannabis is allowed in your state and how long the law has been in place. Some states have had recreational and medical dispensaries for a while, and they have been able to establish a different market. If laws have recently changed where you are, you’ll want to consider that when you choose a dispensary.


What Facilities Are Available?

Dispensaries must have strict guidelines to meet legal requirements. Some of the common features of legal dispensaries are:

  • Security cameras
  • Guards
  • Products locked behind cases

If you find that the facility has merchandise lying on countertops and minimal security, it may be a sign that the product is illegal or low quality.

Cannabis is a fast-changing market, and the demand outpaces the legal supply. In the case of legal vs. illegal cannabis, you want to make sure you are getting a product that is safe, tested, and legitimate.

Marina Insurance

What Is Marina Insurance and Why Do You Need It?

As a business owner, you need to protect your facility from different types of risk. Those risks vary from industry to industry, but they’re particularly challenging to protect against when you’re the owner and manager of a large marina. Only marina-specific business insurance will do the job properly, and while the coverage seems similar to standard business insurance, it has a few key differences that make it unique.

What Is Marina Insurance?

This unique coverage option is a type of business insurance designed with private marinas in mind. It provides standard protection like liability coverage, property insurance and employee coverage for any staff that provides services to your customers or their property each day. The policy also provides protection against theft, boat damage and even damage to the docks and slips.

The Policy Isn’t Optional

If your goal is to attract as many boat owners to your marina as possible, skipping coverage isn’t an option. It’s in your best interest to protect both your business from liability and your customers’ property from damage every day. Without marina insurance in place, you’ll be liable for the full cost of repairs, damage or lawsuits completely out-of-pocket.

Each policy is custom-tailored to the individual business and the risks you face at your marina. Shop around and find the best coverage for your needs and your budget before you open your marina to the public.

Coverage Policies

Coverage Policies That Extend Insurance Claims Filings

Liability policies are divided into two categories. They are either an occurrence or claims made policy. When you have an occurrence policy, the claim stems from an event that had occurred during the contract period of the policy term. Eligibility for coverage depends on when the event occurred. However, with a claims-made filing, eligibility depends on the time period when the claim was made, regardless of when the event took place.

Underwriting With Business Policies

Commercial general liability policies are where you will most often find underwriting that includes claims made. General liability covers the damages that the named insured face when property damage or bodily injury occurs on the insured’s property or during business operations. The coverage areas are identified before the policy begins, but for an incident to be covered under a traditional occurrence policy, it cannot already be known about. In a claims-made scenario, the occurrence must have happened within the coverage territory.

Claims-Made Characteristics

For a claim to be addressed, it must be filed during the policy period. It is common for the claim to be made as soon as the insured becomes aware of it. However, these policies may contain a retroactive date, which excludes claims that might be filed for an incident that occurred prior to a specified date. The retroactive date is often established according to the date the claims made policy become effective.

Cyber Liability

Understanding Cyber Liability

It’s almost impossible to find a business that doesn’t have some kind of online operation these days, even if it’s just a web and social media presence for marketing. More and more companies are going significantly further than that, though, providing platforms where customers can maintain profile information and place orders for goods and services, call for support for previous purchases, or request custom work. As these platforms develop, businesses that uses them to streamline the customer experience wind up facing liability for situations where their data is compromised by cybercrime in a way that results in damage to customers or even the business itself.

How To Buy Cyber Liability Insurance

Whenever you’re considering insurance options for online risks, it’s important to remember that most businesses incur both first and third party liability. That means you need insurance that addresses both risks realistically, and the balance of coverage needs between the two can differ widely from company to company, based on their actual online activities. That’s why it’s important you work with an insurer who understands first party vs. third party cyber insurance, one who can build a custom policy with coverage levels that suit your needs, without forcing you to over-insure one form of liability to get ample coverage on another front.

Public Liability Insurance

What Is Public Liability Insurance?

While you do everything you can to make sure your business premises and operations are safe for clients, customers and members of the general public, accidents and mistakes can easily occur. These can lead to costly lawsuits. Public liability insurance is designed to protect your company from third party claims of injury, loss and property damage that occurs on your organization’s property or as a result of the work it carries out.

Who Needs It?

Public liability insurance is essential for businesses that work with members of the public, or who have customers and clients that frequent their premises. This includes companies in the following industries:

  • Retail
  • Hospitality
  • Home repair and construction
  • Healthcare
  • Real estate
  • Nongovernmental organizations

Even businesses that organize off-site events, like conferences and concerts, should consider acquiring this type of plan.

What Does It Cover?

The policy covers all expenses incurred by litigation. This includes legal defense costs and settlements or awards. Plans can also offer coverage for the medical costs associated with any third party injuries.

You and your employees work hard to make your business a success. Expensive lawsuits brought by third parties can put your organization in jeopardy. Public liability insurance will mitigate this risk and ensure that your company can continue to serve the community for years to come.

Boat Rental Insurance

Does Your Business Need Boat Rental Insurance?

Sometimes clients don’t understand that a type of insurance is meant for their business. One big example in the marine industry is boat rental insurance. It’s obvious to most companies that rent out vessels like fishing boats, speed boats, fishing boats, canoes, and kayaks that they are boat rental services and need some form of rental liability that is specifically tailored to watercraft. What’s less obvious is that other watercraft is also usually covered by boat insurance. That means rental companies that offer jet skis, water bikes, and other personal watercraft that are not commonly thought of as boats probably need the same coverage as those renting out jet boats, just not necessarily with all the same coverage choices.

Rental Equipment Liability vs. Boat Rental Liability

What about existing equipment policies for rental companies? Can they be used to cover personal watercraft instead of boat rental coverage options? Often, the answer is no. Many jurisdictions place additional insurance requirements on boats and watercraft that rental equipment liability policies, in general, do not cover. To make sure you have insurance that truly reflects the liabilities your business needs to manage, you have to work with people who provide the insurance that most specifically reflects the work you do. For watercraft of all kinds, that generally means boat rental insurance.

commercial cleaning contractors

Insuring Commercial Cleaning Contractors Against Liability and Loss

Commercial cleaners need a broad spectrum of policy lines when they build an insurance package because they face many different kinds of liability exposure in the course of their operations. Careful policy development, thorough staff training, and comprehensive policy endorsements are integral parts of a comprehensive risk management plan that can protect cleaning contractors from liability and loss.

Liability Coverage

Coverage for cleaning contractors needs to address the possibility of property damage that can occur as a result of working on someone else’s property. Coverage needs to include other individuals’ personal and real property, medical expenses, workmanship, and also any potential defense costs associated with a claim against the company.

Business Protection

Commercial cleaning contractors need to protect their equipment, business premises, and employees. They may be required to carry workers’ compensation coverage to cover medical costs for injuries that employees sustain while working.

Auto Insurance

Cleaning contractors may need to carry auto insurance above state minimum to ensure that it will be protected in the event of an accident. It’s essential that they be able to repair or replace vehicles as soon as possible in order to continue serving their clients.

Commercial cleaning contractors need to seek out help from insurance carriers that offer programs specifically designed to serve their industry. Expert guidance can help a company make well-informed policy elections to safeguard their operations.