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CTRP http://www.ctrp.org Trauma Care Mon, 26 Jan 2015 17:15:19 +0000 en-US hourly 1 What Does E & O Insurance Cover? http://www.ctrp.org/insurance/e-o-insurance-cover/ http://www.ctrp.org/insurance/e-o-insurance-cover/#comments Mon, 26 Jan 2015 17:15:19 +0000 http://www.ctrp.org/?p=375 Insurance is a key part of any business. An insurance policy covers you in the event of an accident, error, or unforeseen circumstance. Errors and omissions insurance for real estate agents is an important part of the real estate business for those very reasons. There are a few different things that E & O insurance covers.

Legal Defense Costs

Lawsuits are always expensive. Whether they are legitimate or unfounded, there is always a high price to pay. Lawyers don’t come cheap, after all. E & O insurance covers all legal fees including, but not limited to, lawyer fees, court fees, administrative costs, and expert witness testimony.


In the event that your company is found liable of negligence, oversight, or errors, E & O insurance can help cover the damages you will have to pay to the accuser. Much like malpractice insurance for doctors, this policy is designed to help make sure that your company will continue to operate after a lawsuit. Losing your business over one mistake would be a severe and terrible punishment. Covering yourself in the event of being sued is your best bet to ensure your continued success.

Having errors and omissions insurance for real estate agents can be crucial to your business. Making sure your company can survive any lawsuits it may incur will save you a lot of stress, headaches, and possible heartbreak.


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Making Certain Your Insurance Needs Are Met http://www.ctrp.org/insurance/making-certain-insurance-needs-met/ http://www.ctrp.org/insurance/making-certain-insurance-needs-met/#comments Thu, 15 Jan 2015 18:30:28 +0000 http://www.ctrp.org/?p=369 People in charge of specialized healthcare facilities and treatment centers know a lot about helping people live healthier lives; on the other hand, they may not be familiar with all their insurance options. Making informed decisions about insurance coverage is very important. This is why working with companies that offer the best addiction treatment insurance programs is an advantage to you and your organization. The agents representing these companies know all about very particular lines of coverage and will be able to explain exactly how these programs benefit your organization.

Be Certain About Your Coverage

Many insurance customers are not entirely confident that their coverage needs are being met by existing policies. This can be especially true of customers who have had the same addiction treatment insurance programs in place for several years. A periodic examination of your needs may be called for, especially if your clinic provides any of these services:

  • Detox facilities
  • Needle-exchange program
  • Methadone treatment
  • Residential treatment
  • Sober living programs
  • Crisis stabilization
  • Psychiatric treatment

Speak With an Insurance Agent Today

Your insurance agent is a guide that you can count on to point the way to comprehensive and relevant addiction treatment insurance programs. Get your questions answered and discover new programs at the same time. The agent you work with can make informed recommendations about your coverage needs.


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How to Lower the Cost of Homeowners Insurance http://www.ctrp.org/insurance/lower-cost-homeowners-insurance/ http://www.ctrp.org/insurance/lower-cost-homeowners-insurance/#comments Wed, 14 Jan 2015 20:45:26 +0000 http://www.ctrp.org/?p=364 Each house is different and so is each homeowner’s insurance policy. There are many factors that influence NJ homeowners insurance quotes and knowing what can help keep costs down is important.

Make Your Home Safer

If your home has features that provide increased protection and make it safer, including smoke detectors and fire alarms, your rate should be lower. At the other end of the spectrum are home features classified as risk factors, and they can increase the cost of your policy. Some examples include swimming pools, hot tubs and trampolines.

Limit Claims

Your insurance claims history is also part of the equation when your homeowner’s insurance premium is calculated. The more claims you have had the higher NJ homeowners insurance quotes will be. If something minor needs to be fixed, doing it yourself can help keep your insurance costs down.

Pay Attention to Your Credit

The better your credit score, the lower the risk you are to an insurance company. Statistically speaking, people with good credit file fewer insurance claims than ones with bad credit, and they are rewarded with lower cost homeowner’s insurance premiums.

Purchase Auto Insurance From the Same Company

Insurance companies will frequently give customers a more attractive rate on their homeowners insurance if they purchase their auto insurance from them as well.
These three criteria are important factors when you purchase homeowners insurance. Contact your agent to learn more about what you can do to get the best rate possible.


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Enhance Your Staffing Business with 3 Easy Steps http://www.ctrp.org/insurance/enhance-staffing-business-3-easy-steps/ http://www.ctrp.org/insurance/enhance-staffing-business-3-easy-steps/#comments Wed, 14 Jan 2015 14:30:36 +0000 http://www.ctrp.org/?p=360 When your job is to secure jobs for others, it is extremely important that you have stability within your company. As the job market continues to shift, you must shift with it to ensure your success. Make sure that you stay ahead of the curve with 3 easy steps.

1. Constant Communication

It is imperative that you constantly communicate with both your client companies as well as your staffers. This helps to ensure that both parties are happy, and allows you to get ahead of any possible issues before they become major problems.

2. Proper Marketing

In the day of social media, it is essential that you utilize every possible medium to reach potential client businesses and staffers. This will not only make your company reachable, but also current which will draw in higher traffic.

3. Employ Proper Protection

In the case of fire, theft, a lawsuit or other negative occurrences, it is important that you have the proper protection in place. An employment agency insurance policy helps to protect your business and keep you flourishing.

In order to enhance your business, being ahead of the curve is key. You can do just that by staying in constant communication with your companies and staff, by being accessible through all possible mediums, and by employing the right employment agency insurance coverage. By implementing these things, your business will continue to thrive and help many individuals and companies alike.


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What is Workers’ Comp? http://www.ctrp.org/insurance/workers-comp/ http://www.ctrp.org/insurance/workers-comp/#comments Thu, 08 Jan 2015 22:00:32 +0000 http://www.ctrp.org/?p=357 Workers compensation, also known as “workers’ comp”, is designed to protect individuals who become injured while on the job. The intent is to provide the worker with monetary awards to cover the loss of wages caused by the accident that occurred. It typically provides at least partial wage replacement and medical benefits to the employee while he or she is away. In some cases, it may also compensate the worker for any permanent physical problems that he or she has suffered from as a result of being injured. In exchange, the employee gives up the right to sue the employer for negligence or pain and suffering. This system therefore benefits both the worker and the company, minimizing legal liability while still providing needed financial assistance to the employee during his or her time of need.

Workers’ Comp: Critical for Every Business

As it relates to insurance, workers compensation is a state-mandated program; that is, you as a business owner must provide your employees with workers’ comp coverage. Some industries have a greater risk for employee injuries, like construction or other physically exerting types of work. However, the chance of injury exists in every workplace, so it is critically important that you choose your insurance carrier carefully. The right insurance carrier can help you not only process claims faster and more efficiently, but also give you advice on how to minimize your chances of having accidents occur in the first place.


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Review Your Homeowners Insurance Annually http://www.ctrp.org/insurance/review-homeowners-insurance-annually/ http://www.ctrp.org/insurance/review-homeowners-insurance-annually/#comments Wed, 07 Jan 2015 21:00:46 +0000 http://www.ctrp.org/?p=352 Over time, your income and assets increase. You probably don’t think about protecting those assets through your homeowners insurance in PA until you have a claim and find out you’re underinsured. When you get your annual statement, take time to review your assets and insurance. Then check with your agent to make sure you are covered.

Did you make any home improvements in the last year? This could be a remodeled kitchen, an electronics sound system built into your home, or even an expensive HVAC system. If your home’s value has increased, you could be underinsured. Don’t wait to find out. Talk to your agent.

Have you made any high dollar purchases this past year? Think about the Christmas presents you gave, maybe a gorgeous diamond necklace or valuable artwork. Maybe your parents bequeathed you treasured antiques. Make sure your homeowners insurance in PA covers the value of the antiques. An appraisal will ensure you get the full value of the item in case of a disaster. Keep receipts and pictures for your purchases in a safe place to validate the belongings in your home.

Don’t forget to review your high-risk assets like a trampoline, a swimming pool, or your new dog. Some breeds are considered more dangerous. Protect your liability risk with a rider policy. Your agent who provides your homeowners insurance in PA will put together the right plan for you and your assets for complete coverage when you review your policy.


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Manassas, VA Auto Insurance and Winter Driving Concerns http://www.ctrp.org/insurance/manassas-va-auto-insurance-winter-driving-concerns/ http://www.ctrp.org/insurance/manassas-va-auto-insurance-winter-driving-concerns/#comments Wed, 31 Dec 2014 08:45:07 +0000 http://www.ctrp.org/?p=327 While the beautiful state of Virginia usually sees rather mild winters, with little snow and ice, it is still very important for Virginians and visitors to stay safe and cautious during winter months and to also understand how to drive during winter-weather conditions. There are occasions when the state is struck by an unexpected winter storm that may close highways and interstates, as well as cause dozens of preventable accidents and injuries.

Residents in this area are best served by having Manassas, VA auto insurance coverage. Here are some winter weather safety tips that can help keep families’ safe in Virginia’s rare but very hazardous winter weather conditions:

  1. Don’t drive unless it’s absolutely necessary

The best way to stay out of a snow or ice related driving accident is to stay home and wait out the storm. Unless it’s an emergency, it’s not worth the risk of an accident or injury.

  1. Be prepared if travel is required

Stock the vehicle with warm blankets, a small shovel, and sand or kitty litter (in the event the car gets stuck in snow or ice), and food and water. Keep the gas tank fairly full if running the car in order to keep warm.

  1. Don’t tailgate

Leave plenty of following room between cars. It is likely to take much longer to stop in snow and icy conditions.

  1. Drive more slowly

This will lessen the potential for accidents, or swerving or loss of control of the vehicle. If driving significantly slower than other cars, turn on hazard lights.

  1. Turn on headlights

This helps to increase both, visibility, and so that other drivers will be aware of other cars on the road. Keep windshield clear and defrosted at all times.

  1. Proceed with caution over bridges

Understand that bridges freeze before other parts of the road and are susceptible to black ice.

  1. Be extremely careful when passing

Be safe and never pass snowplows or sanding trucks. Driving behind these vehicles is also safer, as they will clear unwanted snow and ice from the road.

Don’t be afraid to pull over if caught in a storm. Stopping for a meal or a cup of coffee will give snowplows and sand trucks a chance to clear the roads. It may be a bit inconvenient, but it could also save a life. Better safe than sorry, and always carry Manassas, VA auto insurance in case an unfortunate incident occurs.


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Food Contamination and Fine Dining Insurance in Texas http://www.ctrp.org/insurance/food-contamination-fine-dining-insurance-texas/ http://www.ctrp.org/insurance/food-contamination-fine-dining-insurance-texas/#comments Tue, 30 Dec 2014 11:30:05 +0000 http://www.ctrp.org/?p=324 Anyone working in the food industry knows that it’s all about the quality of food, the service and the experience being offered that keeps patrons returning time and again to any fine-dining establishment. But there are always concerns as to just how well the evening may go.

Every day is a different challenge, and there are so many exposures that the manager and staff face — from slips and falls on the premises, to fire and other incidents that can cause property damage, to supply chain issues and business interruption risks, to food contamination, data breaches and reputational damage, all of which can potentially close down a restaurant.

While all can be equally troubling, food contamination is perhaps the most serious concern. Fine dining insurance in Texas can aid those businesses with concerns regarding the high risk of food borne illness, according to Sarah Klein, senior staff attorney of the Center for Science in the Public Interest (CSPI), who also says the organization felt the significant number of outbreaks from restaurants was important for consumers to know.

“It has been clear to us for some time that restaurants do pose an unusually high risk of food borne illness but this was the first year that we chose to make this a key finding from our outbreak database,” says Klein. “You aren’t just more likely to get sick from a restaurant than at home but you are twice as likely.”

The workers can make a difference, based on experience and professionalism

The first thing an owner wants to have in place is an experienced chef running the kitchen. Having someone who isn’t well trained and doesn’t understand issues with food preparation and food safety could add to the problem. A restaurant that is committed to food safety is one that fully understands the risks involved.

A lot of restaurants think in terms of liability and not the property exposures, so it is important for an insurer to help in assessing exposures and how to best mitigate risks, and also to go over any concerns with the business owner as to what would happen if their restaurant were closed down for a week or more. This involves securing the right fine dining insurance in Texas and implementing sound risk management solutions to stem losses and help improve profitability.


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Understanding and Adhering to the Florida Dog Bite Law http://www.ctrp.org/insurance/understanding-adhering-florida-dog-bite-law/ http://www.ctrp.org/insurance/understanding-adhering-florida-dog-bite-law/#comments Mon, 29 Dec 2014 17:45:03 +0000 http://www.ctrp.org/?p=319 Any victim of a dog bite in the state of Florida can recover compensation under a special statute, known as the Florida dog bite law. Different states have different ordinances related to the ownership and care of animals, as well as the rights of the victim when a dog bites them. Dog owners should be aware of these laws in order to protect themselves and their pets.

There are homeowner insurance policies that contain coverage for people who have pets living in their homes. This coverage may or may not be sufficient for all concerns related to injuries sustained or caused by pets. Purchasing dog bite insurance is advisable for pet owners who are worried that their pet has a propensity for biting people, especially those owners of the breeds of dogs that are more difficult to insure.

Negligence is a primary ground for liability in Florida

Negligence is considered the lack of ordinary care; that is, the absence of the kind of care a reasonably prudent and careful person would exercise in similar circumstances. For example, if a person’s conduct in a given circumstance doesn’t measure up to the conduct one might expect given the situation, then that person could be deemed negligent. For example, letting dog run around without a leash that has a history of biting is being negligent.

Negligence per se” is a doctrine that can help a victim recover compensation if the bite happened because the dog owner violated a statute, ordinance or regulation that has been enacted for people’s safety. Examples include a violation of a leash law, a law prohibiting dogs from being at large, or a law prohibiting dogs from trespassing. The owner will be held liable in each instance if the animal, provoked or not, attacks, resulting in the victim being bitten.

Dog owners have a responsibility for ensuring the safety of anyone who might come into contact with their pets. Statistics show that small children and elderly people are more often the targets of dog attacks. Florida is a statutory strict liability state. The Florida dog bite law will compensate anyone who is a dog bite victim, which means that they can recover damages pursuant to the dog bite statute.


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Workers Compensation Claims Management for Businesses http://www.ctrp.org/insurance/workers-compensation-claims-management-businesses/ http://www.ctrp.org/insurance/workers-compensation-claims-management-businesses/#comments Thu, 27 Nov 2014 09:00:25 +0000 http://www.ctrp.org/?p=313 If you maintain the workers compensation of your business, an excellent way to reduce the stress and hassle of your claims is by hiring a specialized Workers Compensation Claims Management team. These professionals are able to help handle renewals, auditors, and payment information while keeping your paperwork to a minimum. By maintaining excellent relationships with agents, dedicated Risk Management Specialists are able to provide the best prices for their customers.


Providing Comprehensive Claims Management Services


As part of their services, Workers Compensation Claims Management specialists are able to:


  • Decide on medical care that is suitable for the injury.
  • Pinpoint potential problem claims.
  • Look into and report all claims quickly and efficiently.
  • Maintain effective communication with business owners, insurance companies, and injured workers.
  • Help process contested claims
  • Propose an effective return-to-work program for your employees
  • Handle all questions and paperwork required by your TPA or insurance carrier.


Personalized Service for Your Business


Whether you operate a large corporation or small family business, claims management services can be tailored to the needs of your company. By sharing common goals and learning what kind of assistance your establishment would benefit from most, program managers are able to custom fit a plan to help your growing business.


When it comes to workers compensation costs, wise business owners understand the consequences of what can happen when costs get out of control. When you hire an excellent Workers Compensation Claims Management group, you can rest assured knowing that your claims being supervised proficiently.

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