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CTRP Trauma Care 2015-05-26T18:00:34Z http://www.ctrp.org/feed/atom/ Trauma Care Advisors <![CDATA[Why Purchase CT Life Insurance?]]> http://www.ctrp.org/?p=546 2015-05-22T18:10:08Z 2015-05-26T18:00:34Z Recent statistics show that the average American family currently has less than $4,000 in savings. An even more staggering statistic is that 25 percent of families living in the US have accumulated no savings at all. This is in part due to the fact that many people earn a less than adequate wage and are burdened with debt. This also means that, in the event of an unexpected tragedy, they are generally ill prepared to take on the financial and emotional burden that often accompanies the loss of a loved one.

A CT life insurance policy will help provide for families who lose their primary, or sole breadwinner, especially when that loved one suddenly and unexpectedly dies, or becomes permanently disabled. That is where buying the right life insurance policy comes in, which will pay for funeral costs or provide a monetary benefit that will aid in paying medical costs.

Who is most likely to purchase CT life insurance?

Studies show that families without extensive savings and assets can benefit the most from securing the right life insurance coverage because they will likely face more financial hardship in the event of the death of the main household income provider since they can use these benefits much more than someone with enormous wealth, or substantial savings.

Choosing the right policy is important and is often dependent on your specific needs and financial situation. There are two main ways to approach life insurance; some policies operate similarly to typical personal insurance policies, while other policies incorporate various revenue generating components through investment options. The choice is yours.

Securing the right CT life insurance policy to meet you and your family’s needs is a very personal choice. It’s important to find an insurance provider that will work with you to assess your goals along with your expectations for the future. Understand that while life insurance can be a sensitive subject, protecting your family should always be foremost on your mind.

Speak to an insurance specialist willing to take the time to sit down with you and your family to craft the right life insurance strategy to fit your needs now, as well as for years to come. Individual life insurance is just one of the many insurance solutions you should consider as a vital part of your portfolio.

Trauma Care Advisors <![CDATA[Employ the Basics to Harness High-Tech Systems]]> http://www.ctrp.org/?p=543 2015-05-22T18:02:21Z 2015-05-25T16:45:30Z When it comes to insurance rating systems, they all ultimately strive to calculate the risk of offering coverage to a potential client by a thorough analysis of the related statistical, actuarial, and underwriting data for a given scenario. These sophisticated tools are employed by managing general agents, program administrators, and insurance carriers to determine the what, where, when, and how much in terms of offering coverage. They are a critical bridge in the collaboration between all the interests represented in the commercial and personal property/casualty and risk management industries. But what if access to all of that mighty technology could grind to a halt? It might, if the computers that access the software cease to be operational.

Towers and laptops have become so de rigueur that every workday, employees simply stroll into the office and think only of logging on and getting to work. It is only when something goes wrong–a program fails to launch, a laptop just won’t boot up, a document refuses to transmit–that people really consider how little they can accomplish without the use of their computer.

Just as you can jump in your car and drive off with nary a peek under the hood first, the same behavior can take place with a computer–at least, to a point, but it will get you only so far. Without periodic maintenance (not the major things the mechanic does but the basics to which the driver should attend–e.g., checking fluids, tire pressure and the like), things inevitably will go wrong.

Likewise, it’s good business practice to have each computer user be responsible for doing some basic e-housekeeping–think dusting and sweeping–frequently to eliminate the hair and dust that collects on your computer’s vents, grilles, intakes and exhaust ports, forming a blanket over delicate components that prevents deadly heat from escaping. The dust and dirt clog the system’s cooling fan, reducing its effectiveness and making it work harder. If it gets too hot–the system fries and you’re buying a new computer long before you intended to.

Inspect: If the vent holes that allow for the intake and release of air are covered or caked with dust and debris, it’s time to go into cleaning mode.

Clean: Wipe surfaces with a dust-attracting cloth, and use canned air (rather than a vacuum cleaner, which can discharge static electricity onto electrical components) to force debris and dust away.

These simple tasks save you thousands of dollars in replacement equipment and parts, downtime for repairs, and lost productivity. So, to ensure your computers are up and running and ready to take advantage of all the efficiencies afforded by today’s insurance rating systems, remember the basics–to dust is a must.

Trauma Care Advisors <![CDATA[Strays and Fights Can Result in Bites]]> http://www.ctrp.org/?p=536 2015-05-22T17:31:47Z 2015-05-24T17:00:50Z You have a furry, four-legged member of the family named Fido. What you also have are Florida dog bite liabilities, simply because if a dog-any dog, for that matter-has teeth, it has the potential to bite, say animal control experts. However, some instances are more likely to result in an injury-so be forewarned and thus ready to avoid a problem before it starts.

Strays on the loose

One animal control professional says that oftentimes, these painful situations occur when stray animals break loose after being tied up in a yard. Often these pets are confined regularly for days or longer, and are thus isolated from normal interactions with other people. If so, experts say these dogs are three times more likely to bite than their counterparts that are socialized to mix with and accept people and other animals.

When a fight breaks out

Owners who witness their pets fighting with other animals understandably want to halt the conflict; in some cases, they rush right into the fray (acting with their heart more than their head). Of course, this tactic is very likely to end up badly for the human, if not the dog-as one woman named Krista found out. She saw her cocker spaniel, George, being attacked by a large dog owned by a neighbor a few doors down and immediately rushed to its aid; in the process, she was bitten on the hand and needed 10 stitches to close the gaping wound, and may have lasting nerve damage as well. In this case, experts say the neighbor’s dog simply redirected its aggression from its opponent to the person or object that is interceding. Now the aggression has been redirected yet again-this time, to the owner of the dog that attacked Krista’s pet. She’s suing for damages, having sustained extensive veterinary bills and thousands of dollars in medical fees for her own care.

Trauma Care Advisors <![CDATA[Tips on Successful Insurance Internet Marketing]]> http://www.ctrp.org/?p=539 2015-05-22T17:50:03Z 2015-05-24T11:30:25Z Insurance Internet marketing is now the primary way to do business and stay competitive, because consumers make the majority of their purchases online and also use the Web to get the majority of information about products and services before they buy. For agents, it’s much easier to monitor their online marketing campaigns and determine their rate of success.

Online marketing is often more cost effective than many of the traditional offline marketing tactics still in use, like print advertising or direct mail. The trick is maintaining a successful online presence. Here are a few tips on how to market your insurance agency online without overextending your budget.

  1. Know your audience and set specific goals – For any marketing campaign to be successful you need to know your audience. Generally you should target a specific geographic area, and a particular group of people, perhaps new families or retirees, depending on the products and services you sell.

    Setting goals makes it is easier to track success. Are you trying to build more awareness of your brand in order to get more leads and sales? You should always expand and modify your goals, which will then enable your agency to strive for improvement.

  2. Establish a budget – Marketing requires continuous attention and effort by everyone on your team. Set a marketing budget and identify how much you want to spend monthly on a website, search engine optimization, email marketing and social media. If you have a limited budget, handle everything that you can in-house and hire experts to help you with the more complicated, high-end marketing tactics.
  3. Identify your brand – Your brand is what may ultimately make a difference in how many people you reach and maintain as clients. Ask yourself what makes your agency different and why someone would choose your agency over the competition. This can go a long ways towards helping to direct you in your branding, including how your website looks and what you share with your audience on social media. Remember, once your brand is established all you’ll need to worry about is maintaining consistency and sticking to your brand values.
  4. Optimize for the search engines – Search engine optimization (SEO) can be a complicated, time-consuming process. However, it is an essential step to getting your website on the map. It’s one thing to have a beautifully designed website, but people have to be able to find you, and this is accomplished through SEO. Take the necessary steps in order to make your insurance Internet marketing plan work wonders for you!


Trauma Care Advisors <![CDATA[Mechanical Failure and Nursing Home Insurance Rates]]> http://www.ctrp.org/?p=534 2015-05-22T17:19:32Z 2015-05-22T15:30:56Z 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.

Trauma Care Advisors <![CDATA[Workers Comp Concerns and Machine Wholesalers Insurance]]> http://www.ctrp.org/?p=549 2015-05-22T18:23:33Z 2015-05-22T13:30:57Z 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.

Trauma Care Advisors <![CDATA[Protecting Valuable Electronics and Orlando Home Insurance]]> http://www.ctrp.org/?p=529 2015-04-20T17:21:53Z 2015-04-23T11:15:09Z 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.

Trauma Care Advisors <![CDATA[Types of New Jersey Small Business Insurance Needed]]> http://www.ctrp.org/?p=526 2015-04-20T17:17:00Z 2015-04-22T14:00:47Z 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.

Trauma Care Advisors <![CDATA[Why Professionals Need Errors and Omissions Insurance]]> http://www.ctrp.org/?p=523 2015-04-20T17:10:37Z 2015-04-20T16:00:51Z 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.

Trauma Care Advisors <![CDATA[Insuring Restaurants in California]]> http://www.ctrp.org/?p=519 2015-04-17T15:09:11Z 2015-04-20T10:45:14Z 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.