The future is now, and if you want your business to compete over the next few years you may want to pay attention to the following topics. There are a number of factors that will affect the business of insurance in the near future.
Our world has gone digital. Technology has changed the way you relate with your customers. Have you invested in the right technology, and do you have it insured? Cyber Liability
With the growth of technology, we can now access and store data from our cars, homes and while on the go. This creates a real need to have effective data security, the most up to date protection, and policies and procedures for use and storage. Part of cyber management includes having a cyber-liability policy for your business. The Next Generation of Leaders
Millennials will lead the next generation in the workforce. Is your business prepared? Millennials like to live and work in the same community, use public transportation and work from home. Energy Prices
As the price of oil drops it has become more economical to deliver goods and services. However, there are more auto accidents as a result. COVID
Every business should have COVID-19 safety procedures in place. Helping your employees return to work safely and confidently during the coronavirus (COVID-19) pandemic is no easy task.
Employers must ensure social distancing for employees and customers, frequent and adequate employee hand-washing, and that sick employees stay home. Employers must also provide basic workplace hazard education about coronavirus and how to prevent transmission in languages best understood by employees. Your workers’ compensation insurer can offer tools and advice in this area.
If you have employees, you are exposed to potential employment liability claims. Employees know their rights, and it is time for all employers to become more informed about how to protect their companies. An EPLI policy covers claims made against directors, officers, employees, the company and its subsidiaries.
If you're lucky enough to have a lawn with a good topsoil base, much of the hard work of keeping a lawn beautiful is already done for you. But many of us do not have this luxury, and besides, even with a good topsoil base, you still have to work hard to keep a beautiful lawn and garden.
1. The best time to mow a lawn is when it is cool and dry. Wait for the morning dew to dry off, and before the afternoon, heat takes hold. Alternatively, late afternoon or early evening following a watering in the morning is also a good time.
2. A hedge is a much better boundary divider than a fence. It will provide better privacy and keep pets and children in or out. It will attract birds to its shelter and provide a great backdrop for plants and flowers.
3. Bring the beauty of your garden to you; plant hyacinths near walkways and doors. Their magnificent perfume will swamp the spring air and make your garden really come alive.
4. Add your garden to non-garden items, such as lampposts and mailboxes. Surround these items with flowers planted to take advantage of the earliest to the latest flowerings. You could have white snowdrops, purple and gold crocus, blue hyacinths, and various colored tulips. You could also surround the posts with rocks to provide added interest.
5. Simple but effective weed control can be achieved on your lawn by often mowing during spring. This will prevent dandelions from spreading by eliminating the yellow blossoms and preventing seed formation. Mow high during late spring and early summer. This will allow grass blades to shade the ground and will help prevent crabgrass from sprouting.
Your lawn and garden should be a source of pride and beauty.
You don't need to spend lots of money on expensive fertilizers and herbicides or fancy lawn furniture and ornaments. A little commonsense and thought can go a long way to making your lawn and garden a much better place.
As always, all of us at Great Falls Insurance Center appreciate your business, and If you would like us to do a 'spring cleaning' of your accounts please don't hesitate to email or call us.
You buy auto insurance to protect yourself when you have an accident or claim. When something bad happens you want your auto insurance company to respond. When it comes to auto insurance, knowledge is power. Here are some facts to help educate you about auto insurance.
Auto Insurance Facts
1.Your personal items are not covered if damaged or stolen out of your auto.
2.The kind of vehicle you own helps determine your auto insurance premiums. Some vehicles are less expensive to insure. Call us today to find out more information.
3.As your independent agent we will help you manage your policy, and more importantly guide you through any claim you might have.
4.It is very important to review your auto insurance policy to make sure all the information is correct. Vehicle age, garage location and even VIN number can affect premiums.
5.If your car is stolen your liability coverage will still apply.
6.When you allow your uncle to use your car and he gets into an accident, your insurance will apply. You will be responsible for deductibles on your policy.
7.Auto liability insurance is required in every state.
8.If you add expensive after-market products (alarm, TV, stereo, custom interior) let us know so we can make sure you have the proper auto insurance coverage.
9.Many classic cars need special auto coverage, call us today.
If you own an ATV, motorcycle or boat, combining these with your auto insurance can save you money.
Protect what matters most to you with Great Falls, MT. Car, Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Great Falls.
Do you want to start a home-based business? Having a home business of your own is a good way to make a living. Keep in mind that it there are risks involved. Most home-based businesses do not have the same risks as other businesses, including buildings, employees, production machinery, and a fleet of vehicles.
However, home-based businesses do have many risks that need to be considered. Do Some Pre Planning
Check with your local zoning to see if home-based businesses are allowed
If you are planning on having customers visit your home, you may need special permits.
Home Based Business Risks Can Include
Injury or damage to customers
Property loss and damage
Crime and dishonesty
Web page copyright liability
Employees or contractor’s issues
The key is to understand what these risks are so you can take the necessary actions to make sure that your business is protected. It’s important to carry the right commercial insurance to protect your business in case of an unforeseen event. Hire a reputable insurance provider to help you assess the potential risks and determine which types of policies meet your business needs.
As an independent insurance agency, we are affiliated with multiple industry-leading companies. It is these partnerships that allow us to provide our clients with better coverage at a competitive price. Our staff is knowledgeable and committed to providing a quality customer service experience to our valued clients.
Employees are a critical part of every business operation. Managing the employer-employee relation is important in keeping your business up and running. Unfortunately, these relationships create issues that may lead to litigation. Many of these lawsuits involve current or past employees who believe they have some “dirty laundry” on the business or think they can turn a minor grievance into a major payday.
Here are some of the reasons employers get into trouble.
Lack of training. It is important that all managers have effective training on how to manage their employees. It is also vital that you understand all statutes and laws that govern the employee-employer relationship.
Not Following the Company's Own Policies and Procedures. It is important to make sure all managers and employees follow the procedures you have established.
Ignoring Employment Laws. Failure to follow basic, relevant employment laws could be much worse than just a lawsuit. You could face fines and other penalties.
Documentation. Documentation is a must for a business owner. It will protect you against lawsuits as long as you do the due process and you’re treating your employees fairly. Every action you take should have corresponding documents.
Not Using Employment Agreements. Written employment agreements, as long as they’re professionally drafted, can eliminate any doubts about what is expected in the employee/employer relationship.
A normal commercial insurance policy may not cover this risk, so it pays to have us complete a review of your insurance coverage. An Employment Practice Liability Insurance policy offers insurance protection against claims and lawsuits brought against a business, its officers or directors, or its employees and managers.