When Employees Rent Vehicles

by Taylor Agency on January 15, 2012

Your business auto policy has limitations that can result in the denial of coverage for an employee following an accident.

One such limitation deals with employees who rent a vehicle in their own name for business purposes. The standard business auto policy grants insured status to employees while operating a vehicle covered by the business for business purposes, but employees who rent vehicles in their own names may find themselves not covered by the business’ auto policy.

Here are two common methods for closing this coverage gap:
1. Use a Personal Auto Policy
Employees who rent vehicles in their own name can seek coverage for a loss under their personal auto policy, even if the vehicle is rented for business purposes.

2. Modification or Endorsement to the Business Auto Policy
Businesses may purchase an endorsement to their business auto policy to cover this exposure, but it should be added explicitly. There is no guarantee this coverage is automatically included.

Call us if you would like to find out more about endorsements that expand your business auto policy.

Source: Florida Insurance School- Continuing Education

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Playing Doctor

by Taylor Agency on December 4, 2011

When it comes to job-related illness or injury, employees and employers often believe they can determine the severity of an incident and whether treatment by a professional is needed. Making such assessments might seem, on the surface, quite straightforward, but frequently what appears to be a minor event can evolve into a series of problems. That’s when workers compensation claims arise.

Infections, allergic reactions or, in some cases, continued exposure can result in significant work loss—all of which likely could have been avoided were proper attention given immediately to the illness or injury.

Employers must understand they are responsible for directing employees in a manner consistent with state laws concerning treatment and workers compensation coverage. Employers must always be cautious of the unpredictable, long-term effects of illness and injury.

It’s not worth playing doctor, even in seemingly minor cases. Always follow your state’s workers comp reporting guidelines, and ask us if you have any questions about your coverage or carrier requirements.

Source: www.osha.gov

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Who’s Watching the Claim?

December 4, 2011

A workers comp claim can be a complicated process. At the very least, calls need to be answered promptly, similar risks at the workplace need to be addressed and interface between the injured, the employer,

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First-Aid Training Saves Lives

December 4, 2011

Immediate response to workplace accidents, injuries and medical events saves lives and minimizes future disability. On-the-scene help for chemical burns, especially to the eyes; severe cuts and amputations; crush and head-impact injuries; heart attacks; strokes;

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Football, Alcohol and the Night Shift

December 4, 2011

It’s football season, and that means that many employees come to work after watching the game with buddies. They come to stock shelves, to work late holiday hours and just to man their normal night

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Woodworking Safety

December 4, 2011

Woodworking is an age-old craft that produces commodities of high durability and beauty. Its artisans are highly skilled, but they are vulnerable to injury if safety precautions are not stringently followed. Here are some common

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Office Parties and Alcohol

December 4, 2011

The holiday office party—the age-old ritual. Relaxation, laughs, eggnog and, oh yes, alcohol. If your business is planning an office party that will include alcohol, remember to practice some risk management up front and during

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Leased Staff

December 4, 2011

Companies that lease staff from employment leasing firms are often concerned with how their insurance coverage will apply to both liability claims caused by the leased worker and injuries to the leased worker. The commercial

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Cargo Coverage

December 4, 2011

Contracts often determine who is responsible for property in transit, but senders, or those actually transporting the property, are particularly vulnerable. This is because most forms of standard property insurance significantly limit or exclude coverage

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Personal Effects and Theft

December 4, 2011

There’s no predicting what your employees will bring to work. The briefcases of today’s employees easily can contain thousands of dollars worth of electronics. It’s not hard to imagine a laptop loaded with software and

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