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CTRP http://www.ctrp.org Trauma Care Fri, 22 May 2015 18:23:33 +0000 en-US hourly 1 Mechanical Failure and Nursing Home Insurance Rates http://www.ctrp.org/insurance/mechanical-failure-and-nursing-home-insurance-rates/ http://www.ctrp.org/insurance/mechanical-failure-and-nursing-home-insurance-rates/#comments Fri, 22 May 2015 15:30:56 +0000 http://www.ctrp.org/?p=534 Being in the nursing home and assisted living business brings about many concerns for owners. Everything from property damage and personal injury, to crime and abuse claims, and the list goes on. The important thing to remember is that this business is dependent on keeping its residents happy and safe at all times. This is why brokers should urge those that provide products and services necessary to the health of organizations everywhere not to overlook boiler & machinery insurance at affordable nursing home insurance rates.

If a nursing home is forced to evacuate their residents in the dead of winter or the high hot summer months because of a failure to keep temperatures in the facility warm enough or cool enough for those living there to be comfortable then this can become a major issue. A broken HVAC system can result in the facility being shut down, anywhere from a few hours to a few days, and this could end up being extremely costly.

Keeping families satisfied that their loved ones are receiving proper care

No one wants to call and tell a loved one that there mother or father has to be moved because the facility is experiencing a mechanical failure. Sure, this kind of thing might occur from time to time, but with proper scheduled maintenance the odds of a breakdown can be greatly reduced. But accidents and malfunctions can and will occur.

The reputation of the company is of great value, and therefore, reducing the odds of a problem of this nature can provide great dividends. Safety examinations should be part of any regular maintenance program, but when an incident occurs, without the proper nursing home insurance in place, a problem could have resounding consequences. Boiler insurance protects for direct and indirect loss sustained due to a boiler incident. This insurance policy generally includes an annual boiler inspection.

The business of keeping our elderly population living comfortable lives falls upon the many owners and managers of nursing home facilities across the US. This is an area where a lack of proper insurance protection for any and all circumstances is a serious breakdown in management responsibilities. Independent agents should ensure that they provide the best nursing home insurance rates available in today’s flourishing market.

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Workers Comp Concerns and Machine Wholesalers Insurance http://www.ctrp.org/insurance/workers-comp-concerns-and-machine-wholesalers-insurance/ http://www.ctrp.org/insurance/workers-comp-concerns-and-machine-wholesalers-insurance/#comments Fri, 22 May 2015 13:30:57 +0000 http://www.ctrp.org/?p=549 Companies in the business of wholesaling equipment to restaurants, grocery stores, and laundromats, to name just a few, have considerable risks over concerns that the equipment may cause injuries to employees operating or moving heavy equipment. Purchasing machine wholesalers insurance, in the form of a workers compensation policy, will address issues of this nature.

Your business and office supplies and equipment distribution company has a lot to deal with on a daily basis. Businesses around the country, and here in the New York state area, count on companies such as yours to keep their operations well stocked and prepared for any issues that might surface. That’s why it’s so important that your business reduces its’ risks, regardless of what hazards may lie in your way.

The need for comprehensive business insurance solutions

Regardless of how safety-minded you may be, no matter how well prepared you are for the dangers associated with your type of business, there are just some things that can’t be prevented. You can help ease your concerns about everything, from property damage claims to third-party lawsuits, and accidents involving company vehicles or equipment damaged while in transit. You need an insurer that can help you manage those risks by assisting you in investing in comprehensive business insurance coverage. The businesses that can benefit most from these workers’ compensation services include:

  • Office products suppliers
  • Dealers and wholesalers of furniture and machines
  • Computer systems dealers and installers
  • Telecommunication installation companies
  • Paper distributors, and
  • Stationery retailers

Partner with an insurer that can couple you with some of the top providers and can get you competitive quotes. With all that goes on during the course of the day at your warehouse, sometimes it’s easy for employees to become forgetful or neglect using proper safety procedures.

This is when accidents are most likely to occur. Workplace injuries can result in long term workers comp claims, which can also affect employee retention, and can even lead to litigation. For example, if a worker is injured on the job and doesn’t feel that the company is doing all it can to treat his or her injury, including providing a suitable means for their return to work, you may be responsible for paying for more than just medical expenses: the injured party could sue. Call today to find out more detailed information on the machine wholesalers insurance policies that may pertain to your business.

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Protecting Valuable Electronics and Orlando Home Insurance http://www.ctrp.org/insurance/protecting-valuable-electronics-and-orlando-home-insurance/ http://www.ctrp.org/insurance/protecting-valuable-electronics-and-orlando-home-insurance/#comments Thu, 23 Apr 2015 11:15:09 +0000 http://www.ctrp.org/?p=529 Your home is your castle, but is it the fortress that you need it to be? Like many Americans today, you treasure your valuable electronics, such as your laptop, smartphone and wireless speaker system, which enable you to work at home, as well as enhance your social life and allow you to have fun and enjoy yourself.

But these items are also easy targets for burglars and thieves who may gain access to your house while you’re away and will steal these expensive items in order to make a quick buck. That’s why you need Orlando home insurance, which will allow you to replace items stolen from your home and these helpful protective tips will help you to protect your electronic devices from possible theft.

  1. Don’t leave your electronics in plain sight – Devices you leave in plain sight, for example on counter tops or coffee tables, are easy prey for a thief “casing a joint.” You will be better off putting your laptop or DVD player under lock and key when it’s in your home. You should never leave valuables of any type in your unlocked vehicle. Hide your electronics when not home and destroy the boxes they came in, since they are a clue as to what a criminal might find inside your home.
  2. Lock your doors whenever you leave – Ensure your home is locked tight when you leave the house (and even when you’re at home). Check all doors and windows before you go to bed as well. Also, remember to lock the garage, basement and attic entrances.
  3. Install LoJack on your valuables – Protect your laptop, tablet and smartphone by installing LoJack to protect sensitive data by locking thieves out of your device. LoJack will also assist police in locating your devices even if the hard drive has been wiped clean or the device is factory reset.
  4. Use password protection – Protect your passwords and encrypt them in order to prevent anyone but you from gaining access to your devices. Never give your device permission to remember your password for you because this will allow thieves to access your sites.
  5. Keep a record of all serial numbers – Record serial numbers and other pertinent information and keep it with your sales receipts in a secure location. The will aid police in finding your stolen electronics, and also carry Orlando home insurance for those times when you need to file a claim for any loss.

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Types of New Jersey Small Business Insurance Needed http://www.ctrp.org/insurance/types-of-new-jersey-small-business-insurance-needed/ http://www.ctrp.org/insurance/types-of-new-jersey-small-business-insurance-needed/#comments Wed, 22 Apr 2015 14:00:47 +0000 http://www.ctrp.org/?p=526 Running a small business means having a lot of responsibilities, including keeping your customers and employees safe, and this is better accomplished by having the right New Jersey small business insurance coverage. While obtaining insurance can’t prevent accidents from happening, it will help you to cover the costs if and when an incident or problem occurs.

What should your small business insurance cover?

Ideally, your business insurance policy will be based on the size and function of your company. For example, if you work from home, you’ll likely need less insurance than someone operating a storefront office. Those businesses that have customers entering their facility on a regular basis will need more insurance than a business that has few employees and little or no foot traffic.

All small businesses should cover their facility from the usual concerns, including fire, flood, or other types of building or structural damage concerns. You should also be sure to cover any assets, such as computers and electronics, inventory and stock if you sell products, and any other important tools and materials that are used to run your business.

Workers compensation is must need coverage

For anyone having employees it’s important to have coverage for any sort of injury or issue that could result from the type of work they perform or the existing conditions, and if you cater to customers coming into your business it’s extremely important to have general liability coverage for any injuries or issues that they may face as well.

Prevention really is worth a pound of cure

To further help to protect your business, you’ll need to take precautions to ensure that your property remains safe at all times. Ways to accomplish this include regular maintenance and taking precautions, including:

  • Cleaning up spills and slick spots
  • Marking steps and tripping hazards clearly
  • Repairing or removing broken objects to protect employees and others, and
  • Using proper quality control on products being provided to consumers

One of the best preventative measures, with regards to running a small business, is to always carry adequate amounts of New Jersey small business insurance coverage. Your insurance agent can help you with important decisions on just what kind of coverage is necessary to protect you from any liability issues now and in the future.

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Why Professionals Need Errors and Omissions Insurance http://www.ctrp.org/insurance/why-professionals-need-errors-and-omissions-insurance/ http://www.ctrp.org/insurance/why-professionals-need-errors-and-omissions-insurance/#comments Mon, 20 Apr 2015 16:00:51 +0000 http://www.ctrp.org/?p=523 While many professionals require some type of liability coverage, errors and omissions insurance specifically covers real estate agents, among others, for most mistakes made while acting in a professional capacity on behalf of a client. This coverage is essential for anyone who, during the course of a normal business day, assists clients, makes suggestions or recommendations, provides designs solutions or represents the needs of others in any other similar way.

This includes consultants, telecommunication carriers, software developers, web designers, ad copywriters, placement services, and, a host of others. For example, any time a real estate agent acts on behalf of a client and is later accused of making a mistake, or negligent misrepresentation, such as failing to disclose a known material fact he or she was aware of, they run the risk of being sued.

Regardless of the outcome, there is the likelihood of the burden of paying legal defense costs. Fortunately E&O policies are designed to cover many of these defense costs, as well as the final judgment to the plaintiff, in the event that the licensee doesn’t win their case.

General Liability insurance doesn’t cover professional liability

General liability insurance absolutely will not cover individuals for claims associated with errors and omissions (E&O). Most liability policies either cover only accidents, as opposed to actual claims of professional errors, or have explicit exclusions stating that no E&O claims will be covered.

The different types of E&O policies available

In the early days, E&O insurance policies provided “occurrence” coverage. These types of policies covered all acts made during the coverage term, with little or no regard to when claims were actually made. Referred to as a “long tail” policy, they permitted the filing of claims up to twenty years after the covered mistake.

In the early 1980s, “claims made” policies were created, which only cover claims made while the policy is in effect, including a short “tail” period (usually around 60 days). There is an option available to an insured to cover acts prior to the start of the policy, using a “retroactive date”, and some policies can also provide “tail endorsements” if an insured wants a longer time period after the policy ends.

The “claims made” form of policy dramatically reduced coverage costs for errors and omissions insurance carriers, while providing a more stable and more manageable risk calculation. For specific questions regarding coverage options speak to a local insurer.

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Insuring Restaurants in California http://www.ctrp.org/insurance/insuring-restaurants-in-california/ http://www.ctrp.org/insurance/insuring-restaurants-in-california/#comments Mon, 20 Apr 2015 10:45:14 +0000 http://www.ctrp.org/?p=519 Restaurants are complicated, potentially dangerous enterprises. With so much happening, nearly anything that can happen will happen. Providing your clients with restaurant insurance in California is rewarding for you and your clients because it does so much good. There are many different areas that are covered under this type of insurance.

Standard Coverage

There are standard coverage areas provided by nearly every typical restaurant insurance policy. These areas include, but are not limited to, property, general liability and crime. These standard coverage areas provide a type of base-line coverage to make sure that all the main features of a restaurant are compensated for.

Additional Coverage Available

There are also additional coverage areas that can be added in order to provide more complete policies. These can include liquor liability, employee benefits, and employee/non-owned vehicle liability. These additional coverage areas make it easier for certain businesses to be completely covered by their insurance, but are not necessary for all restaurants. There are also some providers that offer even more selective coverage, including food contamination business interruption coverage and pollutant clean-up and removal, in order to more completely cover the restaurant industry.

When you offer restaurant insurance in California, you are offering every fine dining and table service establishment a chance at success. Through the standard and additional coverage areas, nearly everything is covered in order to allow your clients to do their best work in a safe environment.

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Rating Systems for MGAs Offer Customization http://www.ctrp.org/insurance/rating-systems-for-mgas-offer-customization/ http://www.ctrp.org/insurance/rating-systems-for-mgas-offer-customization/#comments Sun, 19 Apr 2015 12:00:17 +0000 http://www.ctrp.org/?p=517 There are certain features and benefits MGAs, Program Administrations, and insurance carriers look for in the way of an insurance rating system package. Insurance rating systems for MGAs have come a along way and continue to develop and improve. Once integrated with policy admin systems, these insurance specialists no longer have to rely on the use of different carrier rating systems. Now, there are commercial insurance rating systems available that are fully integrated with a policy admin system that makes customization by the MGA or Program Administrator a much simpler task.

Companies that provide software to support all ISO-based commercial insurance lines offered are vital for those looking to streamline their operations, which is a viable way to save in both human and financial resources. This is an advantage for the agencies that work with MGAs with a turnkey rating program. Agents are able to get quotes faster and focus more time on other aspects of their business, including generating sales and building more and better customer relationships.

Not all rating systems are equal

For example, an insurance rating system designed for agencies will not really work effectively for an MGA, Program Administrator or insurance company that is solely interested in providing solutions for their niche markets. This requires a commercial lines rating system that is designed to provide specific product solutions and once integrated with an MGA administration and policy issuance system, will save lots of valuable time and money, as well as eliminating duplication of any work performed.

MGAs utilize rating systems to “lighten the load”

Insurance and brokerage duties for Program Administrators and MGAs can be vastly different from one agency to another. MGAs are often faced with unique challenges within their industry due to having a wide range of customers and clients, and often dealing with specialized claims. An insurance rating system may help to provide more accurate online ratings and quotes to customers.

It’s pretty clear that, with the help of rating systems for MGAs, many specialized agents, brokers, and underwriters are constantly improving their level of performance. With insurance rating systems for MGAs, MGAs get a system designed for the markets they serve, along with features for customization for clients’ to allow the agency to see and experience the company brand.

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Useful Insurance Sales Marketing Strategies http://www.ctrp.org/insurance/useful-insurance-sales-marketing-strategies/ http://www.ctrp.org/insurance/useful-insurance-sales-marketing-strategies/#comments Sat, 18 Apr 2015 19:00:44 +0000 http://www.ctrp.org/?p=514 With the insurance industry being so highly competitive, insurance agents are trying everything, often using a lot of the same methods, in order to win over new customers. This means that agencies need to continually stay on top of their marketing game by applying effective and more innovative insurance sales marketing techniques to win over customers. Fortunately, there are some tried and true ways to accomplish this in a professional manner that won’t cost an arm and a leg.

The importance of selling yourself

Those looking to purchase insurance often find the process to be a very emotional and personally taxing experience. After all, purchasing the wrong product, or inefficient amounts can be disastrous. As the person who is selling insurance, you need to understand that your customers are looking to purchase the best products and services, but they’re also looking for an agent they feel comfortable working with, and one they can trust.

This is where your personality, along with your picture on the website or in marketing materials, comes into play. It’s an added value that customers and prospects can identify with you. By getting customers to make that special connection to you, they’re much more likely to want to do business with you.

Making good use of a newsletter

Having a newsletter, either an email version or a printed hard copy, can help you to share important industry information, tips and advice with your customers. This process of sharing information with prospects and customers that they can apply to real-life situations helps you to build credibility with your audience, and credibility leads to customers wanting to do business with you as you’re being perceived as one who is very knowledgeable about insurance products.

Taking the time to do customer check-ups

Make a habit of at least once or twice a year sending a direct mail postcard or letter to your customers. This simple task keeps you in your clients’ minds while showing your interest and concern in their current status. You can suggest they come in to review their insurance policies, and also remind them to inform you if their situation has changed so you can both work together to make any necessary changes in coverage.

This is an indirect form of insurance sales marketing because, while you’re not trying to sell them on a specific insurance product or service, you are showing thoughtfulness, which may lead to a sale if the customer has a need for a new or changed policy, or they may give you a referral leading to new business.

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What is Workers Compensation Insurance? http://www.ctrp.org/insurance/what-is-workers-compensation-insurance/ http://www.ctrp.org/insurance/what-is-workers-compensation-insurance/#comments Fri, 17 Apr 2015 08:45:08 +0000 http://www.ctrp.org/?p=511 Due to the type of duties they regularly perform, there are a lot of dangers pertaining to workers in the health care industry, putting it in line with construction, trucking, and meatpacking, as far as nonfatal injury rates are concerned. With our fast-growing elderly population, nursing homes have risen to become major care providers to the elderly within the health care industry. The number of elderly and disabled Americans residing in nursing homes is approximately 1.5 million, and nurse’s aides provide the majority of their care.

Owners of nursing homes have never had to ask the question, “What is workers compensation insurance?” Nursing homes rank among the top 10 industries for workers’ compensation claims as a result of musculoskeletal problems, which is one of the major causes of worker absenteeism and worker injury. Reported rates of musculoskeletal injury among workers in other occupations have not been nearly as high as those among nursing home workers.

What triggers injuries in health care workers?

Nursing home employees perform many physically taxing activities, such as transferring residents to and from their beds, lifting heavy loads, and oftentimes working in awkward postures. In addition to this they are constantly manipulating the technology that supports patient care, which can also be physically straining. The increased worker injury rates can be directly linked to increased exposure to dangerous working conditions along with diminished recovery time between these exposures.

Worker injuries in health care facilities associated with staffing numbers and the skill levels of those employees have been previously examined, but because health care institutions have been required to perform more efficiently, the resultant changes are lower staffing levels and, with an increase in patients, the number of work related injuries have increased as well.

A review of the impact of staffing on health care by the Institute of Medicine noted that there is empirical evidence that shows back injuries among nurses are directly associated with staffing levels. What is workers compensation insurance? It’s the best line of defense for getting medical attention to workers requiring assistance, as well as financial support for workers who must miss work as a result of those injuries.

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Spring Cleaning Tips and Orlando Insurance http://www.ctrp.org/insurance/spring-cleaning-tips-and-orlando-insurance/ http://www.ctrp.org/insurance/spring-cleaning-tips-and-orlando-insurance/#comments Tue, 14 Apr 2015 18:00:42 +0000 http://www.ctrp.org/?p=495 Now that the days are beginning to get longer and the weather starting to get a little warmer for some, it’s time to start thinking about spring and what we need to do around the house (at least we hope that this is the case). And whether or not spring arrives on time, here are a few tips for you homeowners intended to help you to get ready for the warmer months ahead.

Getting the house ready for spring

Although everyone thinks of cleaning when it comes to spring, some houses may be in need of repair, and while the weather here in Orlando has been anything but fierce, we know that there are a number of things you can do to make sure your home is ready when the weather in Florida changes, however slightly. This is also a good time to review your Orlando insurance for your home and make any necessary changes to your policy. Below is a selection of maintenance tasks from the National Center for Healthy Housing:

  • Check to make sure your roof’s shingles are in good condition
  • Check your attic for any possible roof leaks that should be repaired
  • Look for signs of peeling paint and do the necessary repair and/or touch up as needed
  • Check for signs of leaks at window and doorsills and use caulking or weather stripping to properly seal
  • Clean your dryer vent and make sure exhaust ducts are clear of lint
  • Make sure there are no puddles or wet spots in your basement or crawlspace
  • Look for signs of infestation (rodents, roaches, termites, etc.) and call an exterminator if you notice animal droppings
  • Clean your gutters and downspouts and replace any that are broken or damaged
  • Clean air conditioner coils and drain pans and replace filters in your air conditioner and dehumidifier
  • Check and replace the batteries your home’s smoke and carbon monoxide alarms, and
  • Store winter heaters, ensuring that liquid-fuel heaters are completely emptied

Your home is likely one of the most valued possessions you own and you owe it to yourself to keep it in tiptop condition. If your home requires any major repairs this is the time to contact your Orlando insurance agent and get the problem properly addressed.


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