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CTRP Trauma Training and Risk Information 2017-05-26T17:08:47Z http://www.ctrp.org/feed/atom/ WordPress Trauma Care Advisors <![CDATA[3 Reasons Why Your Restaurant Needs Good Insurance]]> http://www.ctrp.org/?p=1468 2017-05-25T17:11:47Z 2017-05-26T17:08:47Z These days, restaurant insurance, such as restaurant insurance in Arizona, is needed if you want to open a dining establishment. Restaurant insurance covers all the bases. Here are four reasons why it can help you keep your doors open.

1. Protect Yourself From Accidents

During a busy day at a restaurant, when people are enjoying themselves, life is still unpredictable, and you must prepare for the unexpected. Restaurant insurance will protect you from many mishaps such as injuries, property damage, fights, and more.

2. Avoid the Pains of Lawsuits

Ask anyone: lawsuits are up. Even if no real harm was done, or even if you were not at fault, there are a few people who will see even a minor incident as their opportunity. Also, depending on the size of a lawsuit, it is possible to be hit with one and have trouble recovering from legal fees and settlements. Many restaurants struggle financially as it is: why not be safe?

3. Cover Lost Business

Some coverage insures for lost business due to a variety of causes such as storms, damage to the building, etc. To avoid falling into a financial hole after lost business, such coverage is important.

Your Dream Matters

For many, running a restaurant is a difficult labor of love. When you buy coverage such as restaurant insurance in Arizona, you can better protect what you have worked to build.

Trauma Care Advisors <![CDATA[4 Traits of a Quality Worker Compensation Insurance Provider]]> http://www.ctrp.org/?p=1453 2017-05-22T16:44:04Z 2017-05-18T16:43:07Z There is a Virginia workman’s comp provider that suits your needs. But how do you identify the right carrier? Below are four traits to look for when youre shopping around.

1. Longevity

The workers comp sector has been undergoing many changes over the years. Whether its market fluctuations and state-level reforms, you need a agency with longevity. A company thats been in business at least 20 years likely has track record of success and a solid reputation.

2. Specialization

A company specializing in Virginia workmans comp provides the greatest benefits. Youll have access to the carriers market expertise, knowledge and insights. In turn, this helps you capitalize on new opportunities while staying ahead of an ever-changing marketplace.

3. Market Diversity

Workmans comp is a commercial product line that caters to a broad range of business clients. Likewise, a top-notch insurer provides risk solutions for companies of all sizes, across every sector. The coverage packages may include the following:

  • Large accounts
  • Small accounts
  • Hard-to-place risks
  • Main street accounts

4. Customer Service

A top-notch carrier offers excellent customer service. A few things you can expect are professional interactions, quick quote turnarounds, and fast submissions

Finding the right provider for Virginia workmans comp is not difficult when you know what to look for. With a bit of patience, research and comparison shopping youll find a company that suits your insurance needs.


Trauma Care Advisors <![CDATA[Top 3 Sources of Liabilities Under Common Law]]> http://www.ctrp.org/?p=1458 2017-05-22T20:15:33Z 2017-05-10T20:11:52Z All businesses face some type of risk, but a few industries, such as accounting, face unique risks that can sometimes lead to detrimental consequences. Liability in accounting comes in many forms. The following are some of the top sources of liabilities faced by accountants under common law.

Liabilities Under Common Law

This type of liability in accounting is when the responsibility is imposed on a party because of the person’s actions or negligence. Here are the three parts:

  1. Fraud: An act of deliberately deceiving in order to obtain unlawful or unfair gain over another. There are several types of fraud including internal, external, or fraud done to an individual. To prove it there must be intent and damages.
  2. Negligence: Failure to exercise and act with care, which may result in causing harm or miscalculations. Accountants should always take great care in acting legally so as not to cause intentional or unintentional harm to a client.
  3. Breach of contract: Liability occurs when there is a breach of contract and the client suffers damages. It is important for accountants to honor any and all terms of a binding contract, which will hold weight in court.

Finding Protection

As an accountant, your professional advice will affect the decisions your clients make. In order to protect yourself from these and other liabilities, it is important to insure yourself with good accountants liability insurance.

Trauma Care Advisors <![CDATA[Tips for Finding the Right Insurance for Your Business]]> http://www.ctrp.org/?p=1463 2017-05-24T20:56:30Z 2017-05-02T20:51:14Z If youre shopping around for small business insurance in Florida, you may not know what to look for to get the best coverage. To ensure you get the coverage you need to protect all youve worked for, read these tips to get you started.

Determine Your Risk

One of your very first steps in figuring out coverage should be to determine your risk. When youre working with an insurance company, theyll determine the level of risk by talking to you about your business, assets and liabilities you may have. Decide what type of deductible youre willing to take on and how much you can afford to pay out of pocket if you need to make a claim.

Get a Second Opinion

Coverage and costs can vary widely from one company to the next, so you shouldnt assume all quotes will be the same. You should get quotes from multiple insurance agencies to find the best rate.

Read Reviews

Before signing on the dotted line of a policy, do a little research into the company youre interested in doing business with to ensure they have a good reputation and are experienced at handling your type of needs. Look online, ask friends for their opinions and recommendations and ask the company for references.

When it comes to finding the right small business insurance in Florida, you should be thorough in your search to be sure youre getting the best deal and quality coverage. Your business is likely your livelihood, and its important to protect it with great insurance.

Trauma Care Advisors <![CDATA[Vendor Management Services Aiding Temp Agencies]]> http://www.ctrp.org/?p=1414 2017-04-13T15:50:49Z 2017-04-30T15:50:23Z Vendor management services will allow your temp agency to build a relationship with suppliers and service providers that will help to strengthen both businesses. Realize that the vendor is in business to make money too. By negotiating to cut their costs, the quality of their services may suffer or they may simply op out. Part of vendor management is to contribute knowledge or resources that may help to better serve your company. Asking pertinent questions of vendors will help in understanding how their side of the business works and build a better relationship.


Sharing information and priorities


The most important success factor of any business arrangement is to share information and priorities with each another. That does not mean giving service providers user IDs and passwords to your company systems. As it is appropriate, you should provide the necessary information that will allow a vendor to better service your particular needs. This may include several aspects of the business, such as limited forecast information, new product launches, changes in design, and expansion or relocation changes.


One of the goals in vendor management is to gain the commitment of vendors to assist and support the current business operations. This does not mean blindly accepting the prices they provide. You should always get competitive bids for services.


If a vendor supplies a key service, invite that vendor to strategic meetings that involve the product they are currently working with. If they are the experts in that area they can hopefully help give the company a competitive advantage.


The purpose of vendor management services is to seek long-term relationships over short-term gains and marginal cost savings. The benefits of this relationship include trust, preferential treatment and access to insider or expert knowledge. Good vendor management dictates that negotiations are completed in good faith. Look for negotiation points that can help both sides accomplish their goals.


Vendor management is about more than just getting the lowest price. Most often the lowest price also brings with it the lowest quality. Vendor management services will focus on providing quality for the money that is paid for this service. If you are willing to pay more in order to receive better quality, this is a great benefit to your organization.


Trauma Care Advisors <![CDATA[Common Accidents in a Typical Office Setting]]> http://www.ctrp.org/?p=1435 2017-05-02T14:30:16Z 2017-04-26T14:29:20Z When you think of workplace accidents, you likely think of them occurring on construction sites, in warehouses and other work environments where theres dangerous equipment. That being said, youll want to get workers compensation insurance in Los Angeles even if yours is a typical office. Here are a few of the most common accidents in modern offices:


Even the most graceful individual can suffer from a fall. Such falls are often the result of:

  • Tripping
  • Slipping
  • Poor lighting
  • Reaching while seated in an unstable chair

Such falls can be prevented by cleaning up spills, paying close attention while walking and closing drawers when done with them.


Computer monitors, stacks of paper and files all require lifting, which can result in injuries and the need for workers compensation insurance in Los Angeles. Employees should squat down when lifting objects from the floor and ask for help with especially heavy objects.

Musculoskeletal Problems

A poorly laid out workstation can lead to repetitive motion injuries and general discomfort that can worsen over time. Chairs should have adequate support, and computer screens should be positioned at eye level. Employees should be sure they take breaks from looking at their computer screens every 20 minutes.

While the above advice wont prevent every office place injury, it can help avoid the need to file an unnecessary insurance claim.

Trauma Care Advisors <![CDATA[4 Traits of a Good Insurance Broker]]> http://www.ctrp.org/?p=1431 2017-05-02T13:56:07Z 2017-04-22T13:53:48Z Insurance coverage is an essential part of the yacht building business. The greatest challenge is finding the right policy. This is where yacht builders insurance brokers come in handy. Below are a few traits to look for when shopping around for a provider.


The recreational marine industry has unique needs. A broker who knows the ins and outs of the industry is a plus. An agency specializing in this sector will likely know whats best for your business from an insurance standpoint.

Insider Knowledge

The marine industry is always undergoing changes. Insurers who belong to relevant organizations and associations know the current trends. As a result, youll get an effective, up-to-date coverage strategy.

Market Access

The insurer you need may be local or across country. Yacht builders insurance brokers with worldwide connections can serve you well. A broker with access to a large network of insurers has a better chance of getting you the best policy.

Quality Customer Service

A good reputation is important for yacht builders insurance brokers. So, look for a broker with award-winning customer service. Also take note of how quickly and thoroughly your questions and concerns are addressed.

As a yacht builder, your company has unique needs and risks. The criteria listed above will aid you in selecting an insurance broker who can give you the proper coverage.


Trauma Care Advisors <![CDATA[Regattas, Events, and Yacht Club Liability Coverage]]> http://www.ctrp.org/?p=1402 2017-04-12T19:29:48Z 2017-04-18T19:27:06Z Every year, many clubs and associations look forward to hosting a championship or regatta at their facility. These events are enjoyed by throngs of people and demonstrate just how popular boating and yachting events are in many parts of the Country. But there are particular concerns and risks surrounding any shows that take place on the water and involve yachts and other vessels. This is why you are required to carry adequate yacht club liability coverage.

It’s vital, not only to have coverage for the event but also to maintain policies that cover a plethora of risks and exposures year round. At a minimum, clubs or associations need a regatta liability policy to be in effect. While liability insurance is the minimum requirement, US Sailing recommends that clubs or associations consider a more comprehensive insurance solution since damages that may occur could exceed any standard policy that is in place.

Water sports offer extra concerns

Yacht clubs, community sailing programs, and class associations are best aided by obtaining the protection of a comprehensive insurance program that’s designed to protect, not only the club and its assets, but also the board members, flag officers, volunteers, members, and employees.

In addition to providing coverage for assets and people, the insurance program should also include protection for the wide range of activities common to most sailing clubs and organizations running regattas, borrowing boats, teaching sailing, teaching swimming, holding social events, and serving food and alcohol. No one wants to think about third party bodily injury or the possible loss of life, but these tragic occurrences are a real concern and coverage is needed for the on-water part of any general insurance program.

You can only benefit from a policy that covers your organization, its officers, directors, judges, sponsors, and the race management team, in the course of their duties on the water for any legal liability to third parties. This policy also pays for legal expenses to defend associated lawsuits. The coverage begins when the boats leave their mooring or anchorage and continue throughout the race until all have returned to their mooring or anchorage upon completion of the race. It’s a wise move to sit down with a reputable agent and discuss your needs for yacht club liability coverage before a serious issue arises.

Trauma Care Advisors <![CDATA[Prioritizing Insurance Agency Website Design]]> http://www.ctrp.org/?p=1408 2017-04-12T20:19:50Z 2017-04-14T20:14:05Z Having a professional looking insurance agency website design will attract more visitors actively searching for products and services online. In order to be successful in todays competitive marketplace agencies must maintain their website by updating information on a regular basis. After all, there is plenty of competition in the insurance industry with everyone vying for the same audience. For this reason, it will take a dynamic approach, which means offering information and services that will set this company apart from the others.


This is how to build consumer confidence that your organization is the most knowledgeable and has what they are looking for. Having an excellent website design can put any agency in a position of authority in the industry.


What to include on your website


Your insurance agency website design is crucial to your success. Use professional headshots instead of generic stock photos easily found online. Be reachable and available to visitors, which means your contact information has to be current. Offer a true, genuine narrative that people will connect with. You can even use real testimonials from satisfied customers.


Despite the type of insurance being sold, one thing will never change, and that is that consumers use the Internet as a way to find and compare policies. With that in mind, youre odds of succeeding increase by positioning yourself to achieve a higher level of success. Remember, your strength is in conversions. When people visit the website theyll hopefully submit their contact information, thereby putting your agents in a position to make a sale.


When a new insurance customer or prospect visits the website, theyll expect to see a bio page or the About Us section in order to learn more about the people behind the company. This page is extremely important as it holds the power to convert a prospect into a life-long client. The vital thing is that you want to make a lasting, genuine impression.

Talk like a human, and dont use industry terms that only other insurance agents understand.


It may seem simple, but websites are often an area undervalued by many insurance professionals. By making things like the contact information easily accessible for visitors to the site an agency can greatly improve their chances for success.

Trauma Care Advisors <![CDATA[One Size Doesnt Always Fit All]]> http://www.ctrp.org/?p=1426 2017-05-01T21:09:46Z 2017-04-10T21:07:20Z When shopping for commercial insurance, the options can be overwhelming, especially if you own a unique or unusual business. A standard insurance policy may be easier to find, but if disaster strikes, it may not cover every aspect of your business. Keep your entire investment safe with unique business coverage from companies like Lionheart Insurance.

Every Business is Different

When you run a unique business, why would you settle for a one-size-fits-all policy? Your insurance should be just as personal as your business. Talk to your agent about working with an insurance company that specializes in businesses of your type. Lionheart Insurance, for example, boasts coverage of hard-to-place risks for businesses such as:

  • Night clubs
  • Vape shops
  • Sports bars
  • Restaurants
  • Nutraceuticals
  • Construction wrap-ups
  • Gentlemans clubs

A standard insurance policy may not account for all possible situations, so you want to look for a policy that covers events even you might not have thought of. You may not realize just how many things can go wrong, so be sure to talk to your insurance agent about unusual areas of coverage you might need to seek. Vape shops, for example, might need coverage in the event of an exploding vape battery. Restaurants and bars may require coverage if a fight breaks out on your property. Nutraceutical companies may require separate coverage for each category of product offered.

Dont let a one-size insurance policy keep you from getting full protection. Talk to your insurance agent about companies like Lionheart Insurance to ensure you find the most complete coverage for your business.