Purchasing a worker's compensation insurance policy for your business requires careful research and deliberation to make sure you have the coverage you need. Every business has its own unique needs and challenges when it comes to picking the right policy. The following tips can help you avoid some errors so you can make sure you have the necessary coverage.
Tip #1: Make sure you are covered in all jurisdictions
If you have employees in states other than your home state, you will need an insurance agency that has both the licensing and the knowledge to offer policies that meet the requirements of everywhere you do business.
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If you are suffering from an on-the-job injury, you are likely grateful for your workers' comp coverage. This valuable perk provides claimants with a portion of their usual wages while they recuperate at home as well as free medical care for related conditions. When it comes to workers' comp, you may have heard the term "maximum medical improvement" (MMI) and panicked. This term is easily misunderstood; it doesn't really mean that your medical coverage is about to end, but is instead a turning point in your claim process.
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What is meant to be a fun celebration for children who are dressed in costumes and out trick-or-treating generally sees an increase in motor vehicle accidents involving pedestrians. Reports show that more pedestrian injuries and deaths occur among children during Halloween than on other evenings of the year.
The same as being involved in a collision with another vehicle, pedestrian-related accidents can lead to an increase in your auto insurance rate.
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They say information is power, and nowhere is this saying more appropriate than the auto insurance industry. Without relevant information, you can miss out on discounts, fail to understand your policy's terms and conditions, and even fail to detect fraud. Here are four great sources of information for learning more about auto insurance:
Your Insurer
If you already have auto insurance, then your insurer should be one of the primary sources of your research.
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Your teen may be looking forward to the day when they finally get their driver's license, but of you are like most parents, this is one milestone that you are not so thrilled about. Having a new teen driver in the house is bound to bring on a lot more stress and worry as a parent, but t will also bring along concerns of your current insurance rates being raised dramatically.
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