Insurance Made Simple Blog

Employee Retaliation Claims on the Rise against Non-Profit Employers

Non-profit employers are experiencing a plague of retaliation claims. In fact, 2014 statistics show that retaliation claims comprised 42.8% of all complaints filed. This is the largest number of retaliation claims in history.
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Employee Retaliation Claims on the Rise against Non-Profit Employers

Non-profit employers are experiencing a plague of retaliation claims. In fact, 2014 statistics show that retaliation claims comprised 42.8% of all complaints filed. This is the largest number of retaliation claims in history.
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Accidents & Insurance for Nonprofits

Accidents happen...  Every Day...  And in so many different ways you wouldn’t believe it! Most of our clients have the attitude that “it will never happen to me” and view their insurance program as a necessary evil to serving their mission.  However, statistics show that nonprofit organizations make a claim on their liability insurance on average of once every three years. 
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Business General Liability Insurance Claims - What About Defense?

I just got off the phone with one of my clients who was very upset because he was served with a law suit this morning.  He owns a restaurant and one of his customers claims that she became sick after eating food fried in peanut oil.  This customer is claiming my client is negligent because the server did not tell her and the menu does not state that they use peanut oil and she is allergic to […]
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Documentation is Key in Nonprofit Insurance Claims

Last week one of my non profit insurance clients called and told me that a someone was hurt at an event they had.  It turns out that a woman was a bit overzealous on the dance floor and slipped and hurt her ankle.  I can certainly relate...  high heals, a couple glasses of wine and great band makes for a good time and big donations but can be tough on anyone the least bit klutzy.
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Affordable Insurance: Understanding the Role of Deductibles

Affordable Insurance can be obtained in a a variety of ways.  Various insurance companies and products can be explored, coverage limits can be reviewed and lowered, and coverages can be eliminated altogether.  However, one often overlooked method of lowering premiums is lowing deductibles.  High deductible insurance plans can be very effective when you need to tighten your insurance budget.
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Property Insurance: Help! My Secretary & My Money Are Gone!

I got a terrible call this morning from one of my clients.  We'll call him "Gullible Gill".  Gill called and told me he showed up at his office this morning after a few days of vacation and his safe had been cleaned out and his office assistant of 10 years was no where to be found.  Gill owns a popular bar in town and often has a lot of cash on hand.  The bartenders lock up the cash at night and […]
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Insurance Claims Handling

I received a call from a client today regarding a large claim he made on an insurance policy not handled by my office.  It got me thinking about the claims process and how policy holders aren't well instructed as to how the system works and where to go for help it a claim isn't being handled to their satisfaction.
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Good Attitude = Fewer Workers' Comp. Claims

Did you know that employee attitude is one of the most important elements of workplace safety?  Studies consistently show that companies that encourage team building, a positive workplace and Workers' Comp. incentive programs have fewer claims and lower Workers Comp. premiums.
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