Commercial Insurance - How to Cut Your Insurance Premiums

KEEP YOUR LOSSES DOWN!

MAKE YOUR PREMISES SAFE FOR YOUR CLIENTS: The most common Commercial Liability claim is the basic "Slip & Fall". Restaurants see these more often than most other type of businesses, but, if you have clients coming to your place of business, it can happen in your business too,

MAKE YOUR WORKPLACE SAFE FOR EMPLOYEES: Worker's Compensation cost is sky-rocketing! Be aware of the work environment to which you subject your employees. The more claims you have, the higher your premiums will be -- whether we're talking Liability, Property, or Worker's Compensation.

MAKE SURE YOUR PROPERTY HAS HAD RECENT UPDATES: Property policy premiums are typically based on the type of construction and condition of the premises. Make sure you do your best to keep everything up to code, and keep in mind that you will most likely be visited by an Insurance Inspector.

KNOW YOUR PREMIUM RATE BASIS!

Look over your policies and pay special attention to your "Declaration" pages. If you don't know which pages these are, ask your Insurance Agent flag your "dec" pages for you. These pages spell out exactly how your premiums are calculated. For instance, on General Liability policies, it can be based on one or more factors: Cost (of goods sold or Cost of Subcontractors), Number of Employees, Payroll, Square Footage (of leased premises), Gross Receipts, etc.. Worker's Compensation, on the other hand is based solely on "Payroll". (See my website for an article defining the difference between and "Employee" and a "Independent Contractor"). Make sure you know what you are paying for, and when it is time to adjust the figures.

HAVE INFORMED KEY EMPLOYEES!

YOUR BOOKKEEPER must have a basic understanding of how your policies are rated, and when, or if, Certificates of Insurance should be obtained from any Sub-contractors. Worker's Compensation policies are ALWAYS audited, and General Liability policies are now being audited more frequently than ever. Unless you have an informed Accounting staff, get help in this area! QuickBooks is an excellent software program for both small and large size businesses.

YOUR SUPERVISORS should be your eyes and ears. They should make sure your work areas are always ready for an inspection by your Insurance Company and/or OSHA (Occupational Safety and Health Administration).

SHOP AROUND!

Most Commercial Insurance is sold by Independent Insurance Agents, who represent several Insurance Companies. Many times your current agent will simply offer the renewal offer they receive from your current carrier, without shopping for better rates. It pays to shop around with other Independent Agents and get at least three quotes before binding coverage on your policies. When shopping for different quotes, make sure you are comparing "apples to apples" on the rating factors, such as Gross Receipts, # of Employees, Payroll, etc.. Keep in mind that if you wait until after your policies are bound, you will pay a Cancellation Penalty if you want to re-write them.

DON'T HAVE A LAPSE IN COVERAGE!

Many Commercial Insurance policies are financed, or on a payment plan. If you don't make payments in a timely fashion, your policies will be cancelled! Any lapse in coverage will be looked at closely by company underwriters, when determining your premiums. All Commercial Insurance Applications ask if there has been a lapse in coverage, and you must sign the application indicating that all the information contained on it is correct. It is a reflection, in the Insurance Company's eyes, of being a responsible business owner.

In summary, the longer you are in business, the better chance you have of getting preferred rates IF you stay on top of things. Do everything you can to avoid claim situations. Keeping a safe work environment makes for happy employees, and therefore, happy clients. Pay your bills on time, and always feel free to pick up the phone and call your agent with any questions or concerns you may have. Running a tight ship really does pay off!

This author has been a Commercial Insurance Agent for the past fifteen years, and currently holds a Resident Agent License in SC, and a Non-Resident Agent License in NC. For more information on Commercial Insurance, please visit my web site: http://www.insurancesmartone.com

I offer Policy Review and Audit Services for a small fee, but all other information on the site is yours to view at will. My goal is to educate you in Business Insurance, so that you can be more comfortable in this area, therefore more pro-active -- which ultimately will affect your bottom line!

Jaye Thurston
http://www.insurancesmartone.com

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Low Income Health Insurance

An increasing number of our young people are suffering from a multitude of ailments that result from the modern environmental pressures like lack of exercise, lifestyles or stress. The medical profession has also progressed some and is usually able to address most of these resultant disorders. However, for people in the low-income brackets, the steady rise in health insurance expenses means that they are now finding it difficult to get medical help on time.

For most people medical health insurance seems to be unaffordable. Health insurance is there to offer succor for the unexpected medical problem. There is a dearth of health insurance service providers in California resulting in a very competitive market.

The laws in California require that every person has access to some medical cover. The state provides health insurance programs for people in low-income brackets to afford insurance.

Low income individuals in California can use the services of the Medicaid program. The federal government set up this program to permit as many people as possible to be able to some form of insurance cover. The funding for this program comes from the federal and state funds.

Individuals get the application forms from an office in the Division of Family services. Some form of documentation is required of each applicant to be able to qualify for the program.

The individual and their family have their various health needs catered for. For the individuals whose employees to not cover the rest of the family, the Medicaid program provides a feasible option for them.

The MRMIB (California Managed Risk Medical Insurance Board takes pains to provide a quality health insurance that is also affordable. For low-income groups, through their HFP (Healthy Family Program), MRMIB cover for vision, dental and health, at fairly inexpensive rates for children.

Another MRMIB program, AIM (Access for Infants and Mothers) provides low cost insurance to pregnant women in low income groups. The infants also get cover under the program.

Before picking health insurance service provider, take some time to research the options available that suit your needs and your budget.

For more information about Low cost california health insurance please go to Low cost health insurance guide.

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Four Benefits of Blogging

A blog is a journal that is accessible on the Internet. The process of blog updating is blogging and individuals who maintain them are bloggers. Typically updated daily using various software programs that allow people with little or no technical background to update and maintain them. Also, postings on a blog are set up in chronological order featuring current postings prominently.

The name blog is an abbreviated form of weblog or web log. To write, maintain or to post an article on available blogs is also termed as blogging. They may consist of text, hypertext, pictures and links.

Blogs posted by individuals undergo modifications regularly. These can consist of various topics. In fact, there are blogs for every topic that a human brain can imagine. The topics can range from politics, business, sports, culture, and entertainment to every human-interest story that takes place everyday.

How to get started?

Layout
Web surfers judge the effectiveness of blogs by the type of layout the show. The only difference between a common blog and a professional blog is the layout. Even if it is not high in content, people will think that it is of high quality because of the layout. Moreover, even before they read the content, they will assume the content in it as good, because they are already impressed with the layout. Hence, to get started prepare an impressive layout for your blog.

Promote your blog
People come to know about blogs only when they see them. Therefore, to start promoting your's, you can include signatures between forums, social networking sites, mailing lists, and other online communities.

Content is your ruler
If individuals perceive blog as a realm, content will be the ruler and bloggers are the king. Content controls every aspect of blogging. People look up for information on the Internet. For that, content to satisfy visitors need is essential. If your's satisfies their requirements, they might visit it more regularly.

Regular blogging
Make fresh post at regular intervals considering time. It is necessary to post relevant information constantly to keep your blogs updated.

Benefits of Blogging:

1. Video clippings of sport events like football or soccer games, basketball, field and track events are included in blogs by schools to raise school spirit and encourage students' involvement.

2. Further, events like dance recitals, science fairs, and awards can also be encouraged via blogs.

3. There are some blogs for publishers that are free of charge or are either available at very low-cost. On the other hand, some web sites allow online marketers to post blogs and place a link on their sites.

4. There is a huge potential to market on the Internet through blogging. Out of the estimated 100,000, if it is not possible to grab the attention of every reader, it is certainly feasible to catch the attentions of at least, say 100 readers.

This article was written for Find This Online an online resource guide that offers a variety of articles written on different subjects. Offering you relevant information that you are looking for. Browse through plenty of useful articles, information, content and resources on the subject. Visit us Here for more articles on blogging.

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