Business Insurance

If you have an Atlanta landscaping business, you’re probably pretty busy. You might not have too much time to spend fussing over landscaper insurance. And you might wonder what the most efficient way is to go about getting landscaper insurance. How can business owners make sure they get the right coverage to protect their business? We’ll explain how to get landscaper insurance.

How to get landscaper insurance.

1. Know the coverages you need.

Before you venture into getting insurance quotes, you might want to review the coverage you need for your business. There are many types of insurance that you’ll want to consider for your landscaping business. Here are a few:

General liability – GL insurance can protect you against claims that your business caused someone bodily injury or property damage. It can help you cover the costs you’re legally obligated to pay to the injured party, and it can help cover legal expenses if they sue.

Workers’ comp – Workers’ comp can help your workers if they get hurt on the job. It can cover their medical bills and it can give them a portion of their lost wages if they need to take time off because they need to recover.

Commercial auto – Commercial auto insurance can help you if you have business vehicles to protect. There are different coverages you may need for your vehicles.

Umbrella insurance – This can provide additional coverage that goes above and beyond the limits on your underlying liability policy.

These might not be the only coverages you need. You may also want to consider…

• Contractors Tools and Equipment
• Employee Dishonesty
• Goods in Transit
• Installation Floater
• Employment Practices Liability Insurance

At any rate, it’s a good idea to make sure that you have a customized insurance plan to protect your business from the risks you face. Each business ought to have its own insurance plan that’s set up to meet its coverage needs. We understand that the prospect of getting commercial insurance can seem daunting, but we like to keep the insurance process as easy as possible. There isn’t too much to it – we’ll explain.

2. Our quoting process.

1. You reach out to us.

First of all, you tell us that you’re in need of insurance for your landscaping business. If you like to talk on the phone, you can call us. If you want to fill out our quick form so we’ve got some details about your business, you can do that. And if you want to message us, that’s also fine! Whatever way you’d like to communicate is fine by us. (As we said, we want to make this as convenient as possible.)

2. One of our agents gets the necessary details.

One of our professional insurance superheroes will get the information necessary to get your insurance quotes. They’ll ask some questions so they can get to know your business and better understand the risks you face. We want to be able to get you the most accurate quotes possible and best assist you with your insurance.

3. We get your quotes.

The agent can then get to the heart of the fun – going shopping! We’ll help you get some quotes from the carriers we work with. We’re kind of like your personal shoppers – we’ll do your shopping for you!

4. We’ll present your quotes.

Next, we’ll go over your quotes with you and answer any questions you might have. We’ll explain the different options we have available for you and we’ll help finalize your coverage. Don’t worry – we’ll be here every step of the process.

5. We’re here to help.

Our job isn’t done yet, though – we won’t abandon you once your coverage is bound! Our team is always here to help. If you have any questions, concerns, or changes to your business, we’ll be here to help. We’ll make sure that your insurance still suits your business. If you’ve got any questions, we’re only an email or phone call away.

So, that’s how you can get started with getting landscaper insurance. Don’t worry about getting insurance – we strive to make insurance as stress-free as possible. Get started with quotes by filling out our online form.

If you’re a business owner, you know that there’s a lot to find out about commercial insurance. It can be overwhelming. At any rate, there are a lot of fancy words that can be confusing and technical. We’ve picked out some business insurance words that we’ll give quick, simple definitions for. (We put them in alphabetical order, because why not?)

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Employee training can be a tricky subject if your business is just now needing an extra set of hands. Hiring is a vital part of keeping your company running smoothly. Before a new employee starts, though, they have to know how to fulfill their role in your company. How do you know you’re giving your employees the tools they need? Here are 7 tips.

7 tips for employee training.

1. Think about your employees’ day-to-day.

When you’re making an employee training plan, consider what they’ll have to do every day. Write down the tasks that each position will need to do during the day or the week. Then, break those tasks into sections so it’s easier to write specific instructions on how to do them. This will form a good base for deciding how and when to teach new employees certain skills.

2. Train for your employees’ skill level

Different employees have different experience levels and may be used to different processes than your own. When training, account for these differences in skill level to make the process easier or more quickly understood.

For example, there may be a new hire who has experience with a similar computer system to yours. In this case, it’s important to remember that they have a vague knowledge of how the system works, but not the specific details. This way, you can train them to translate their existing general knowledge to your particular system instead of working from the bottom up, as you would with someone unfamiliar with the system.

3. Give people enough time to retain the information

It can be tempting to jam-pack a lot of information into a few training sessions. However, especially when it comes to safety training, this mindset can be dangerous. You’ll need to make sure they retain their training knowledge while they’re on the job. So, create a training timeline that actually allows new hires time to take in what they’ve learned.

4. Consult your seasoned employees

Of course, you don’t have to do it all yourself. If you have long-time employees, enlist their help to help you train, to consult on what knowledge has helped them, and to pass on their professionalise about the job to trainees. If your seasoned employees do volunteer to train new employees, offer incentives for their hard work – whether it’s a raise, a bonus, extra vacation days, or another great perk.

If you don’t quite have seasoned employees, consult connections in similar industries. Ask what types of knowledge were valuable in their training. Then, tailor that advice to your particular business.

5. Cross-train your workers

Cross-training employees offers more benefits than helping a short-staffed business owner. It can give your employees a broader view of how your company works. They’ll know what your company goals are and how they help execute them. Cross-training can also teach skills that translate to an employee’s primary role. You’ll be able to offer new employees new perspectives on different departments and teach others how to seamlessly work with other departments to improve the business.

6. Take stock in how effective your training is

Your work isn’t done after just the initial training. You’ll need to monitor employee progress by forming both SMART (Specific, Measurable, Achievable, Realistic, Timely) and qualitative goals for what they’ll learn. Schedule review periods to measure the effectiveness of your process or materials.

Gathering feedback from new hires about training can also be useful. Ask how practical people think the training was after being on the job. Inquire which areas they may have needed more information on. Then, use this information to adjust your training methods for the next group of hires.

7. Refresh and retrain regularly

Continuing education is a staple in most professions, and it shouldn’t stop with yours – even if you don’t need a special license for your line of work. Refreshers on policies and precautions can be an excellent way to make sure that all your employees are on the same page and consistently aware of your business’s basics.

It’s important to invest in your employee training in order to prevent hiccups in your operation, avoid dangerous accidents, and show your employees that you care about their success.

It’s also vital to invest in the right business insurance for anything that’s out of your control. our agents can help you find the best business insurance to protect you from the unexpected perils of business ownership, especially with employees. To start your free, customized quotes, give our agents a call, fill out our online form, or LiveChat with an agent today.

Source:

https://www.forbes.com/sites/mikekappel/2018/02/07/5-tips-for-successful-small-business-employee-training/#236c2d835cc9

Business insurance can be kind of confusing and complicated. There’s a lot of coverages, jargon, and policy information to learn. It’s completely understandable if insurance isn’t your favorite thing. We thought that we’d put together a list of a few things commercial insurance agents want you to know about business insurance – kind of like a cheat sheet.

8 things commercial insurance agents want you to know.

1. Your business insurance rates depend on a lot of factors.

The first thing that insurance agents want business owners to know about commercial insurance is that insurance rates are not one-size-fits-all. Every business is unique, so each business is going to have different insurance rates. Your premium can depend on things like where you’re located, the size of your business, what industry you’re in (the risk associated with your kind of work), and the coverages you need. Your loss history can also influence your rates.

What we’re trying to say is that your business’s insurance rates aren’t going to be the same as one of your competitors, even if that business looks a lot like yours. So, there’s no real “ballpark” for your commercial insurance.

2. The coverages you need are impacted by the work you do.

That one makes sense, right? Different types of businesses need different types of insurance. The type of insurance you need is influenced by the risks you face in running your business. The goal is to cover all of those risks with the proper insurance. So, be sure to evaluate your business’s coverage needs when you plan your insurance.

3. A BOP could help simplify your insurance (and potentially save you money).

A business owners’ policy, or BOP, is intended for small to medium-sized businesses. It combines general liability, property insurance, and business interruption insurance into one convenient policy. Those are three coverages that businesses commonly need, so it’s just easier to pack them into one policy. (Though, of course, it’s important to get additional coverages as needed – certain things, like workers’ comp, need to be purchased by themselves.)

4. General liability doesn’t cover your employees.

So, here’s the thing about general liability – it can cover claims of bodily injury and property damage liability if someone gets hurt on your premises. But this coverage doesn’t extend to your employees. They’re covered by workers’ comp insurance. If an employee gets hurt on the job, workers’ comp coverage can help cover their medical bills, plus a portion of the wages that the employee lost while they needed to take time off work to recover.

5. The state may require you to carry workers’ comp.

It’s important to take care of your employees! Besides, workers’ comp is great – like we said, it can pay for your employee’s medical bills if they get hurt on the job, and it can give them a portion of their lost wages if they need time off to recover. At any rate, make sure that you know the requirements for what insurance you must carry.

6. Your business needs an insurance plan that’s tailored to your business.

We talked a little bit earlier about how each business is different. It stands to reason that each business needs to have a customized, specially tailored insurance plan that’s designed to cover the risks that your business faces on a day-to-day basis.

(That’s where we can help – our team can help you with creating that insurance plan! Fill out our online form, give us a call, or messaging us on LiveChat.)

By having a customized plan, you can ensure that there are no gaps in your coverage. (Which is really important.)

7. It’s important to do an annual review of your business insurance and mitigate your risk.

Insurance agents also want business owners to know that you should review your insurance coverage periodically to make sure that your coverage still fits your business. Your business probably doesn’t look the same as it did a year ago, right? Maybe you’ve hired more employees, or maybe you’ve expanded. At any rate, it’s important to check that your limits of coverage – not to mention the coverages themselves – are still appropriate.

It’s also crucial that you take the time to mitigate your risk. This can help you put your business into a better insurance situation. Risk management is essential for any business.

8. Umbrella insurance can provide you with additional coverage.

The insurance you have definitely protects your business, but there is a way to get coverage that goes above and beyond the limits on your underlying liability policy – and that’s umbrella insurance.

Umbrella insurance sits on top of your underlying policy (like an umbrella). If you have a claim that exhausts the limits on your underlying policy, your umbrella insurance can kick in to start covering you. To illustrate, let’s say you have a $1 million general liability policy. That’s a lot of coverage, but you also have a $1 million umbrella policy. Let’s say you have a huge claim, like $1.5 million. The claim is a covered loss, so, fortunately, your general liability kicks in to cover its $1 million. Then your umbrella can cover the remaining $500,000. At any rate, it’s worth considering umbrella insurance as a way to add in-case-of-emergency coverage for your business.

The world of commercial insurance can be complicated, but our team can help. We have agents who are business insurance pros, and they’d be happy to help you get some business insurance quotes and answer any questions you might have about your coverage. Get started with your quotes by filling out our online form, giving us a call, or messaging us on LiveChat.

If you have a small business, it’s important to keep track of your insurance. Every year, you need to get an “insurance” check-up. It’s kind of like going to a doctor for your annual wellness checkup. Those checkups are to make sure that everything’s good and that you’re healthy. The same thing applies to your insurance – you have to make sure that it’s still a good fit for your business. Here are a few reasons why it’s crucial to do an annual business insurance review.

6 reasons to do an annual business insurance review.

1. Businesses change and grow.

The goal of having a business is to see it grow and thrive, right? But if you’re growing your business, you’re also going to need to make some adjustments to your insurance coverage. Maybe you’ve added some more employees. Maybe your payroll has increased. Maybe you’ve gotten new equipment, or maybe you’ve expanded the type of work you do and thus added some liability risks. These changes matter when it comes to your insurance, so you can’t overlook them.

2. Your coverage needs might change.

With all of the potential changes your business might go through from year to year, your coverage needs might change. It might be time to increase your limits of coverage or even add different coverages to close potential gaps. Doing an annual review of your coverage can help you make sure that your insurance is still fully protecting your business. The goal is to ensure that there are no gaps or holes in your coverage that could leave your business vulnerable to a major loss.

3. Your annual review can help you see potential areas of vulnerability.

On a related note, an annual business insurance review gives you the chance to evaluate the changes to your business to see if these changes have resulted in any vulnerabilities for your business. Do you need to adjust your insurance? You can also take the opportunity to do some risk management. How can you improve safety at your business to reduce the chance of a loss? What things leave you open to a possible loss – in other words, what risks do you face, and how can you mitigate those risks?

You can also go over any claims that you’ve had in the last year, be they property insurance, workers’ comp, or general liability claims. Is there anything you can do to lower the risk of that particular thing happening again? Some things are out of our control, but other things we can make safer or take steps to manage.

4. It gives you the chance to read through your policy.

Doing an annual business insurance review can also give you the chance to actually read through your policies all the way. There’s a lot of important information in there, so it’s a good idea to go through the policies carefully. You can see what losses are covered, what losses are not covered, and find out what your obligations are as the insured. Understanding the ins and outs of your insurance is crucial. And you never know – maybe you’ll discover a few questions about your coverage that you want to ask your agent. At any rate, knowing what your insurance policy says is probably a good thing. Nasty surprises when it comes to insurance really are not fun.

5. Insurance isn’t a one-time thing.

Insurance isn’t something that you can just buy once and then forget about it. It’s something that’s more of an ongoing process, really. In that regard, it’s sort of like taking care of your physical health. You don’t just go to the doctor once and then never go again. You go every year even if you don’t think there’s anything “wrong” per se because you want to monitor and keep an eye on things. Catching problems early is better than finding out later on, and the same idea applies to your business insurance. It’s best to find and correct a problem before it turns into a disaster.

6. You can look into different options.

By shopping for your rates every year, you might uncover different options for your insurance. You might be able to get a better price for your insurance. (Insurance is probably a big chunk of your business’s budget, after all.) Of course, it’s important that you don’t sacrifice coverage for the price – be sure to compare apples to apples when you’re looking at insurance.

Our team of business insurance agents can help you with your insurance review, and we can also help you compare business insurance quotes so you get great coverage at a great rate. Get started with quotes by filling out our online form, giving us a call, or messaging us.

If you have an auto body shop, the days are busy. You’ve got a revolving door of cars and clients, and maybe it feels like there’s barely organized chaos going on at any given time. It’s understandable. However, you’ve got to make sure that your shop is a safe place for your employees to work. Not only is this for their health and wellbeing, but it’s also a way to lower your workers’ comp risk. We’ll go over what you need to know about workers’ comp insurance for auto body shops.

Wait – what’s workers’ comp?

Workers’ comp is the coverage that protects your employees if they get hurt on the job. Unfortunately, auto shops aren’t always the safest places to work. Working with cars means working around some potentially dangerous equipment, so this is an important coverage for auto shops.

Anyways, workers’ comp protects your employees by providing a portion of their lost wages if they get hurt on the job and have to take some time to rest and recover. It can also cover their medical bills so they won’t have to stress about paying for the medical care they need. That way the only thing your employee has to worry about is getting better. (Take note that Georgia law may require you to carry workers’ comp insurance if you have three or more employees.)

To give an example, let’s say that one of your mechanics is on the shop floor when they accidentally slip and fall. They not only hit their head and need stitches, but they also break a leg while they’re at it. They need some pretty extensive medical care and physical therapy, not to mention they need some time off from work. Workers’ comp could swoop in to save the day. Kind of like a superhero.

Tips for auto shops to lower workers’ comp risk.

There are a few things that you can do to lower your workers’ comp risk – meaning lowering your chances of having a workers’ comp insurance claim. (Basically, how can you prevent your employees from getting injured on the job?)

Provide proper safety equipment and make sure your employees are using it.

You’ve got to make sure that your employees have access to the safety equipment they need, and that they’re using the Personal Protective Equipment (PPE) properly. Have eye protection and hearing protection available for your employees to use. If your employees will be using paint, make sure they have breathing protection. Have dust masks if employees will be sanding or grinding things.

Make sure hoists and jacks are well maintained.

It’s really important to make sure that all the hoists and jacks that are used to lift the vehicles are well maintained. Crawling around under cars can be dangerous, so make sure that all the equipment is functioning properly to avoid accidents. Also, ensure that all of your employees know what a properly supported vehicle looks like so they know not to work underneath one that isn’t.

Prevent slips and falls.

You also need to look out for the more mundane dangers out there. Your employees should keep the workspace tidy and clear of anything that could cause someone to trip or slip. When you’re rushing around trying to get work done, it’s easy to fail to notice something on the floor that could send you flying. Head that off by making sure that walkways are clear.

Train employees on proper lifting.

It’s really important to train employees on proper lifting to avoid back injuries and strain. You don’t want anyone throwing their back out because they tried to lift something. Back injuries are no fun.

Train, train, train.

You’ve also got to commit to spending some time on safety training. Make sure that your employees know how to properly use every piece of equipment and tool that they’ll be expected to use in the course of their jobs, and make sure that they know they can ask questions if needed. There are some simple things that your employees should know, such as…

• Keeping sparks away from car batteries, which can explode.
• Being careful of any moving parts, such as belts, pulleys, and fans.
• Not touching/opening the radiator when the car is still hot.
• Not unplugging electrical parts when the engine is still running.
• Taking care when opening fuel lines.
• Disconnecting one of the battery cables when doing electrical work to avoid shorting anything or starting a fire.
• Not smoking around flammable things.
• Not wearing loose-fitting clothing that could get caught in something.
• Tying back long hair.

Yes, these may seem like very simplistic things, but it’s important that your employees understand basic safety around the shop. If your employees feel that they’re unable to perform a task safely, make sure they feel comfortable telling you or their supervisor about it.

How to get workers’ comp quotes.

One way you can save money on your workers’ comp insurance is by comparing quotes. How do you do that? It’s easy!

• Let us know you’re looking for insurance by filling out our online form, giving us a call, or messaging us on LiveChat.
• Chat with one of our agents so that they get to know you and your business. They just need to ask a few questions so they can best assist you with your insurance needs.
• We’ll gather some quotes for you.
• The agent will go over your quotes with you and present your options.
• We’re here to help with any of your insurance needs or questions.

So that’s the scoop about workers’ comp insurance and auto shops. If you want to see if you can save money on your business insurance, let us know. Our team of insurance professionals would be happy to help.