Temporary Employees and Staffing Agency Insurance

Staffing agency insurance is vital because it protects the agency and its employees from issues pertaining to liability concerns. These agencies utilize the services of temp employees, who often move from job to job and employer to employer. There is not a set time frame for how long an employer may retain a temporary employee, however, the longer a temporary employee is retained, the more likely it is a court will consider the temporary employee a regular employee, changing their employment status.


Family and Medical Leave Act (FMLA)


To qualify for coverage, an employee must have worked for the employer for 1,250 or more hours during the past 12 months. A joint employer relationship exists for purposes of FMLA when a company has sufficient control over the work or working conditions of the temporary employee. When such a relationship exists under the FMLA:


  • The temporary agency and the client company must count the individual as an employee to determine whether the employee is eligible for FMLA leave


  • The primary employer is responsible for giving notices concerning FMLA leave


  • The primary employer is responsible for providing the leave, and maintaining health benefits, and


  • A joint employer will be viewed as the primary employer if it has the authority and responsibility to hire or fire, assign or place the employee, and provide pay and benefits


The primary employer is responsible for job restoration, and the secondary employer is responsible for accepting an employee returning from leave if the secondary employer continues its relationship with the placement agency and the agency chooses to return the employee to that job.


The Americans with Disabilities Act (ADA)


Where a joint-employer relationship exists, both the temporary agency and the client company are obligated to provide a qualified individual with reasonable accommodations on the job. Employer must have notice of such need, and providing the accommodation must not present an undue hardship.


ADA prohibits a client company from requesting only employees without a disability from a temporary agency. However, where a reasonable accommodation would involve significant expenses for both employers, despite the combined resources of the two entities, both entities can show undue hardship.


A temporary agency or client company that refuses to contribute to the cost of a reasonable accommodation may be liable for a failure to provide an accommodation, even if the other entity provides it. This clearly illustrates the importance of staffing agency insurance for these types of concerns.


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Nursing Home Workers Compensation Underwriters Look to Reduce Exposures

Insurers applaud nursing homes that have implemented injury prevention efforts focusing on resident lifting and repositioning methods since it can greatly reduce the number of claims filed by workers injured in the execution of their duties. Workers compensation underwriters can provide lower rates to those having achieved considerable success in reducing work-related injuries and associated workers’ compensation costs.


There are other additional benefits for some facilities that are able to provide a safer and more comfortable work environment, including the following:



  • Associated training and administrative cost reduction


  • Reduced absenteeism


  • Increased productivity


  • Improved employee morale, and


  • Increased resident comfort


These guidelines provide recommendations for employers that can aid them in reducing the number, as well as severity of work-related musculoskeletal disorders in their facilities, using methods found to have been successful in other nursing home environments.


After all, providing care to nursing home residents can be physically demanding work. Nursing home residents often require assistance in performing ordinary tasks such as walking, bathing, or other normal daily activities. In some instances, residents are totally dependent upon caregivers for mobility. Manual lifting and other tasks involving the repositioning of residents are associated with an increased risk of pain and injury to caregivers, particularly to the lower back.


These tasks often result in high physical demands due to the large amount of weight involved, awkward postures that may be a result of leaning over beds or working in confined areas, and the shifting of weight that may occur if a resident loses balance or strength while moving patients is another serious factor. The risk factors that workers in nursing homes face include the amount of physical effort required to perform a task, performing the same motion or series of motions continually or frequently, and assuming positions that place stress on the body, such as reaching above shoulder height, kneeling, squatting, leaning over a bed, or twisting the torso while lifting.


The number and severity of injuries resulting from physical demands in nursing homes and associated costs are something that workers compensation underwriters look at, and those can be substantially reduced by practicing safer work procedures and methods.


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New Jersey Home Insurance and Occupant Changes

With so many adult children moving back in with their parents while they save money or search for better employment opportunities, it might be a good idea to look at how this may affect current New Jersey home insurance policies. Add to this the fact that rising costs in the nursing home industry has also caused many elderly people to move in with their children, simply because it is the only affordable solution.


Pew Research Center reports that in 2012, nearly 23 percent of adults’ ages 85 and older lived in a multigenerational household, and overall, 57 million US citizens (nearly a fifth of the country) lived this way as well. These “multigenerational households” may find that this arrangement affects their current homeowners policy and really need to consider the implications of this sort of living arrangement.


Speak to an agent to see what ramifications this may cause


Any changes to the number of people inhabiting a dwelling should be discussed with an insurer to make sure the needed financial protection is in place. When one or more relatives moves in, the first call to make would be to the agent who can help determine if a change in coverage is required.

Changes in personal property coverage can be an issue


Having more people living beneath one roof often means more contents to insure. In case of a fire, or other claim, make sure there is enough coverage for the additional items now located in the house. What often happens is that, after a claim is filed, it is discovered that among the items claimed are many that belonged to someone that has moved back into the home, and the additional contents in the home were more than what an average policy supports.


What many homeowners fail to realize is that there is a cap on the contents coverage on any standard insurance policy. Many insurers require an appraisal for items such as art work or jewelry that are considered high-valued items, as well as any collection of antiques or heirloom jewelry that grandparents may own and bring with them when they move in. Keep in mind that these items may be subject to an even lower policy cap, even if the total coverage is higher. Speak to an agent about New Jersey home insurance concerns whenever changes in the household occur.


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Three Vital Coverage Areas for Private and Charter Schools

Private and charter institutions face a number of unique challenges when it comes to choosing insurance providers that are both comprehensive and flexible. In addition to general liability insurance for schools, today such organizations may choose from a wide variety of specific coverage options. The following are three of the most important types of coverage that these institutions should consider:


General Liability Insurance


All school districts require charter and private schools to carry some form of general liability insurance, though specific requirements vary with each district and state. Additionally, many districts require that they be included as additional insureds in order to protect their own institutions.


Professional Liability Insurance


Professional liability insurance for schools provides a safeguard against suits brought against educators, including volunteers, tutors, and employees, regarding their work performance. Examples of exposures covered by professional liability insurance include:


  • Hiring unqualified persons
  • Improper instructional methods
  • Failure to grant a student credit or promotion
  • Student civil rights violations


Employment Liability Insurance


This type of insurance provides crucial protection against employment malpractice allegations overseen by the Equal Employment Opportunity Commission (EEOC), including claims such as:


  • Sexual harassment
  • Discrimination
  • Wrongful termination


The Advantage of Specialized Providers


Today many insurance groups with non-profit and social service experience are able to offer excellent, industry-specific insurance programs. After researching potential providers, make sure to meet with a reliable agent to discuss your specific coverage options.


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What Happens Without Homeowners Insurance?

Owning your own home is very exciting, and it can also be quite overwhelming when you start to understand the many different costs involved with it. Part of the many decisions that you will have to make involves whether or not to invest in a homeowners insurance PA policy. What happens if you choose to go without a policy? You need to understand the differences between losses and recovery.




If you choose to forego a homeowners insurance policy, you run some big risks. If anything should happen to your home or possessions, you are left with the bill and the losses. Damage and losses caused by theft, fire, floods and more are left entirely up to you. If you happen to live in an area where any of these things are likely to happen, you will want to consider how much it will cost you to cover your losses.




On the other hand, if you do have a homeowners insurance policy in place, if something untoward should happen to your home or possessions, you may be able to recover those losses through your policy. Much depends on the specific coverage you have, but you are more likely to take less of a financial loss if you have a good policy in place.


Understand the Risks


Going without a homeowners insurance PA policy is a risky game to play. Some people might think they are saving themselves the expense, but the expense of something happening to your home is much more devastating. Talk to an agent about customizing coverage for your home today.


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Safeguard Your Vintage Vehicle With the Ideal Insurance Coverage

Now that you have found the vintage car you have been searching for, the next step is protecting its value. As you consider purchasing vintage car insurance, it is vital to find an insurance company that understands how to provide coverage for these automobiles.


Agreed Value


One of the main differences between a standard auto insurance policy and a policy for a vintage auto is how the value of the vehicle is determined. Your local insurance provider may look up the worth of your vehicle and offer inexpensive rates. But if you get into an accident, the automobile will be assessed as an old car and your loss will be considerable. However, if you have vintage car insurance, you will receive what it is currently worth.


The key is finding an insurance provider that will give you coverage based on an agreed value. You will be allowed to specify an amount that the car is worth, and the company might also require an appraisal of its market price.


How Often Is It Driven?


Perhaps you drive your car occasionally, such as to a show or on a weekend. If so, you can opt for short term insurance that covers several days a year. If you plan to drive it more often, then ask your agent to tailor the policy to your driving needs.


Your vintage car is a treasured possession, and by purchasing vintage car insurance you can be assured that it is covered and protected for years to come.


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Insurance Agencies and Marketing

It can be difficult for insurance agencies to stand apart from their peers in today’s market. Using the Internet, consumers can easily browse through dozens of options. Targeted marketing for insurance agent visibility is necessary for anyone hoping to increase their customer base and make more money.


Target Your Client


When devising your marketing strategy, it is important to know who your ideal customer is and what websites they might often visit. If you sell homeowner’s insurance, DIY websites are a good bet. If you sell insurance for marine cargo, international business blogs might make more sense. The Internet is a big, big place. Focus you attention where it counts the most.


Use Every Resource


A strong digital marketing strategy considers all fronts. This means devising a strong strategy for raising an agency’s search engine rankings, but it also means looking carefully at their website’s landing page. Taking the time to make your company’s website as clean and comprehensive as possible is as important as any outside advertising.


Ask For Help


Managing accounts and staying abreast of the insurance industry’s constantly changing rules and regulations can be enough for any agency to manage. Finding time to devise and implement a marketing strategy is often impossible. Marketing for insurance agent business is the exclusive focus for some marketing firms. Working with one of these firms can make increasing your business less stressful and more profitable.


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What Type of Insurance Do Machine Dealers Need?

Machine dealers have unique risks that they deal with on a daily basis, including the possibility that their equipment could end up causing harm to the renter or buyer. Whether you rent, repair, lease, sell, or install large machinery, you should always make sure you have machine dealer insurance to protect you financially from any lawsuits brought against you.


Machine Dealer Coverage Options


Many insurance companies offer machine dealer insurance policies that can be custom-designed to meet your specific needs and to cover your greatest risks. Available coverage options for machine dealers include:


  • General Liability
  • Property Coverage
  • Management liability
  • Workers Compensation


General Liability Coverage


General liability coverage typically includes protection against a wide variety of errors and omissions claims, including prior damage disclosure E&O, insurance sales E&O, leasing statutory E&O, Odometer statutory E&O, and lending E&O.


Property Coverage


Property coverage is designed to offer protection for equipment that is rented or leased to a third party, loss of property, newly-acquired premises, and false pretense.


Management Liability


Management liability insurance covers the actions of directors and officers in the company.


Workers Compensation


Workers compensation is a very important type of coverage for machine dealers to have, because it offers financial protection in the event that an employee is injured while on the job, or while performing duties related to their job.


In order to keep themselves properly protected, it is important for machine dealers to purchase machine dealer insurance.


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Special Needs in Insurance for the Service Industry

The unique needs of business insurance in the service industry call for specialized coverage. With the range of exposure that is typical in the field, and the number of employees performing various tasks, finding the right country clubs workers comp coverage is one of the most important tasks in the business operation. As an ongoing expense that bears a direct relationship to the record of safety and security, workers compensation coverage is a legal requirement that affects various businesses in different ways.


Employees Working as Guests are Relaxing


Country clubs are a unique type of business, providing a range of services from dining and hosting gatherings, to sports activities recreation, and more for their guests. The employees who serve the guests, maintain the facilities, and provide other services at the club each fill unique roles in the operation and face very different risks in performing their work. The country clubs workers comp insurance must be unique and be specifically tailored to the particular business and its needs. Working with insurance specialists, the risk management officer at the club can find ways to reduce premiums while maintaining optimal coverage. Insurance experts can help find opportunities to reduce risk and improve training for employees so that they can do their jobs better and safer for everyone, leading to reduced claims, lower premiums, and legal compliance that makes everyone’s job easier and safer.


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A Website Made for Marketing

Though traditional forms of marketing and promotion are not likely to go away soon, an insurance agency’s online presence has become a primary form of advertisement. This means that savvy agencies are going to think carefully about how Insurance Marketing Strategies can be integrated into their existing web presence. These marketing strategies cannot weigh a website down with irrelevant information; after all, an agency’s website needs to be informative and engaging to customers.


Adding Marketing Value to Existing Websites


Content currently on an agency’s website can be easily updated and elaborated by a firm that is experienced with creating Insurance Marketing Strategies. There are many benefits to improving content with the help of a marketing team, such as:


  • Well-written, relevant content is created expressly for each agency
  • Geographic ally specific terms can be used to reflect the cities and communities an agency serves
  • New content reflective of available policies can educate prospective customers
  • Current policy holders can discover more about their coverage options


These are just some of the helpful benefits that come from content created with marketing in mind.


How a Marketing Team Can Help


A marketing team can boost a website’s value through well-written content. This content gives customers the opportunity to access additional information while also meeting the goals of an agency’s Insurance Marketing Strategies. A marketing firm familiar with the insurance industry will help create a more effective website.


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