The job of a travel agent is to provide guidance and advice to his or her clients. As a result, these individuals typically work together to solve problems, create plans, and make purchases. All travel agents need to have a solid business insurance to cover all risks they face as a business owner. Because of  the nature of their business, these professionals may need specific coverage. Take a look at common types of business insurance for agents. General Liability Insurance As a travel ag...

Workers compensation is a tool to protect you when an employee suffers an injury at work. Most of the time, these are straightforward claims. Most companies do not object to this. Yet, there may be situations when a claim does not seem authentic. It can be hard to prove. What happens if you have to pay for those losses? Most times, your insurance helps you. Here’s a look at this tough situation. What Happened? Perhaps you do not believe an employee actually suffered an injury. Maybe ...

Workers compensation insurance will generally cover any injury an employee has suffered in the course of performing their work duties, if they were following proper safety guidelines and company policy at the time. There is some flexibility here and its often handled on a case-by-case basis. But there are also some factors that may instantly invalidate any workers compensation claim. These include: Self-inflicted injury. This covers certain acts of negligence and recklessness. But i...

When your employee drivers get behind the wheel, they are engaging in a high-risk activity. Like any other driver, they could be susceptible to accident risks, and when these occur, the driver might sustain significant injuries. It’s at this point that they might need help during their recovery, and their employer can provide this assistance through workers’ compensation benefits.  Let’s take a closer look at how workers’ compensation works within the context of c...

One of the most essential business insurance products is workers compensation insurance. Modern workers comp insurance carries layers of federal, state and local regulations. These regulations protect both the injured worker and the employer.   Although rare, those who seek to defraud the system cast a disparaging net over those that workers comp helps. The good news is, workers compensation insurance fraud has three general characteristics. With the right attention, you can help re...