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Best In-Class Business Insurance for Technology Firms & IT Consultants
Thinking about the construction of the building where your business resides may not be the highest priority for your company, but when winter starts scratching at the door, it’s important not to ignore it. Water pipes that are left out in the cold can freeze, which will block water flow at best and burst open at worst, leading to flooding damage, costly replacement fees, and other headaches a business would do better to avoid.
If you want to make sure your water pipes stay safe and sound throughout the cold months, then follow these simple tips.
This tip works for homeowners and businesses alike. If you have water pipes that you aren’t going to be using for the winter, like exterior spigots that you would normally hook up to a garden hose, then shut them off from the inside, and drain the pipe.
Leave the pipe open so that water can drain out over time, because if you close it again once you think it’s drained you can accidentally shut water in the pipe, which can freeze during the winter, and damage the pipe. Even if it isn’t going to be a gusher, there’s no sense in warping or breaking it.
An easy way to prevent water pipes from freezing during the cold months is to make sure the pipes are insulated. This might be something as simple as putting foam sleeves around them, which is the equivalent of putting a down jacket on before you head out into a blizzard, or it might involve a more permanent, spray coating to keep your water from freezing up.
Whichever method you choose, wrapping your pipes can often make the difference between running water, and a flooded crawl space.
While heating costs are a big expense for businesses, especially if they’re heating somewhere like a warehouse, it’s important to make sure that if there are water pipes in a building that you maintain at least a 40-degree internal temperature. That doesn’t sound like much, but if the temperature drops too far below that threshold and you need water (like, say, a fire breaks out), you don’t want to find out after the fact that the thermostat was simply set too low to keep everything thawed.
Most of the time, we take water pipes for granted. As long as the sink still works,and the toilets still flush, we don’t put too much thought into the veins and arteries carrying our hot and cold water from point A to point B.
However, if you’re a business owner who wants to catch any problems before they get to be big and expensive, it’s a good idea to perform regular pipe inspections. While it might be time-consuming, an issue caught while it’s a few ice chips inside the pipe is a close call when compared to what it could be.
While an expensive preventative tip, some businesses install heating specifically for their pipes. This allows them to make sure pipes are surrounded by a heating coil, and they can monitor the heat in a given area from the main control board. For businesses that are serious about preventing pipe freezes, particularly in areas with rather extreme winters, this is a preventative measure that will pay for itself in time.
If you can follow these five, simple tips, then your business’s water pipes will be safe no matter what winter throws at you!
With major provisions of healthcare reform brought about by the Affordable Care Act (ACA), there can be no doubt the landscape of small business health insurance is rapidly changing. The premiums being charged for group health coverage are outpacing inflation and most employers are feeling the pressure of rising health care costs.
It is clear that smaller employers are facing a heavier burden. Let’s look at 5 key trends in the small business group health insurance market that can affect the business landscape in 2016.
The number of small employers with less than 50 employees who offer group health insurance coverage is steadily declining. According to the Kaiser/HRET 2015 Employer Health Benefits Survey, only 54 percent of small businesses with less than 50 employees offer any type of traditional group health insurance whereas 97 percent of employers with over 100 employees offer group health insurance.
There are basically two different non-ACA compliant plans:
Grandfathered plans are those plans that were in existence prior to March 23, 1010, the date the ACA became law. These plans can stay in place as long as no significant changes that reduce benefits or increase employee costs are made.
Grandmothered plans were transitional plans intended to provide a grace period before transitioning to ACA compliant coverage. These plans can remain in force until 2017.
Many small employers are considering ways to save on group health care costs, while still protecting their workforce. These strategies include:
Most small businesses indicate that controlling costs is always a top priority and they are looking to rein in costs whenever possible.
Due to the unsustainable cost of employer-sponsored group health insurance benefits and the advantages of individual health insurance policies, many employers will eliminate employer sponsored health insurance by 2017.
Health care reform is causing small businesses to look for more cost-effective ways to offer health benefits and defined benefit plans are being replaced by defined contribution health plans. Instead of paying the direct cost of health insurance, many small businesses will shift to giving each employee a fixed annual healthcare allowance to obtain individual health insurance policies.
There’s no doubt, healthy employees are more productive, reduce insurance claims, and low group insurance costs. Many small businesses are offering gym memberships, host health screenings, and provide access to nutrition advice and meal-planning tools to keep their employees healthy. Many times these features are offered through a health insurance provider and only cost a few dollars per employee to implement.
The most expensive healthcare costs are emergency room and urgent care visits. By implementing a nurse hotline program, employees with only minor medical issues can speak to a nurse 24 hours a day. These nurses won’t take the place of a primary care physician but can be helpful in determining the most appropriate level of care. Nurses will assess the situation to help decide if a trip to the emergency room is necessary.
We are in the middle of a major transformation in how businesses and employees purchase health insurance to protect themselves and their families. Small businesses are taking the lead by transitioning to individual health insurance and premium reimbursement programs.
But that doesn’t necessarily mean that is the solution for your company. Talk to one of our business insurance experts today to determine a group health insurance option for your employees that won’t break your bank.
You may wonder what you need to know and what information to prepare before buying business insurance. Preparing for this important decision is easy, if you take simple steps, like assessing the risks you face for your particular business, working with a reputable agent who knows your industry, and making sure you get enough coverage.
Your need affordable insurance that covers risks your business can’t afford. One comparison would be a homeowner buying coverage to protect his home from fire.
If you are just starting a business, you will need a reputable insurance agent, a quality accountant, and a good attorney. It often is beneficial to have one insurance agent who can handle all of your needs. Insurance policies are available to cover small businesses in one package that meets most needs.
Here is some of the information needed before buying coverage:
Certain businesses need specialized coverage that others do not. As one example, IT professionals often need professional liability coverage or errors and omissions coverage to protect if advice given hurts a client, or if all a client’s information were lost because of a faulty backup.
Types of coverage that all businesses need might include:
Your agent will determine how much risk his or her company will accept when you buy your policies. He or she will review your application and determine whether the company will provide all or a portion of the coverage you request.
Your policy will have a premium and a deductible. The premium is what you pay for coverage; this can vary because of location, local fire protection services, building type, and the kind of coverage. A deductible is the share you pay when making a claim. Higher deductibles mean lower premiums, but a greater out-of-pocket expense. It pays to know your risks before shopping.
A business owners’ policy (BOP) might save you money. Different types of coverage are purchased separately, or as part of a business owners’ policy. This can combine various types of coverage, such as covering general liability, vehicles, property, and business interruption, into one policy and lower your premiums. A BOP does not include all kinds of insurance, and if your business has special risks, it pays to ask a reputable agent his or her opinion.
Assess your risks annually, because your liabilities can grow as your business grows. It would not be good to not have enough coverage in case of disaster. Be prepared to contact your broker if you replace equipment or expand operations.
Such insurance will protect your company above your other liability coverage. This often covers companies in case of expensive claims that are more than their auto or liability coverage protects against. There are also umbrella coverages that protect above the covered limits for Employment Practices Liability Insurance and Directors and Officers Liability.
If you’re unsure about the aforementioned points and considerations, don’t hesitate to reach out and schedule a free insurance assessment with one of our insurance experts. During a 30-minute call, we can help you determine your needs, risks, and the best custom business insurance policy for your company!
The state of New Jersey does not require a business to be insured under a commercial general liability policy. But it must also be understood that New Jersey has a reputation for lawsuit abuse, and the state’s liability laws make it less attractive for starting a new business.
If you own commercial property or other valuable assets, you would be wise to invest in sufficient commercial general liability insurance for your New Jersey business, limit your risk exposure, and prevent a possible financial disaster.
Most business owners who are searching for general liability insurance frequently ask some of the same questions, so we’ve whipped up some answers to save you the trouble:
Commercial general liability insurance protects business assets from claims for bodily injury or property damage. You should consider general liability coverage if you or your employees:
It is very important to understand that general liability insurance will not protect you from everything. It will not cover you against claims of negligence, even if it isn’t your fault. Many professional businesses purchase other business liability, like professional liability insurance, along with general liability.
Each business operation is different and each situation is unique, but the type of New Jersey business you operate or the products you manufacture should determine how much commercial general liability insurance you will require. A high-risk business or one that has a high degree of interaction with the general public should consider increased coverage.
A good rule of thumb for many small businesses is between $500,000 and $1 million. An exact dollar figure could more easily be reached in your discussion with a local commercial insurance agent. It is important to note that if you operate your business out of your home, your homeowner’s or renter’s insurance has limited business liability coverage and probably won’t be adequate.
The simple answer is: not necessarily. If your business is a small low-risk business, the liability coverage provided in a BOP may be adequate. It is important to understand that even though a BOP provides some liability coverage, it is often at a small limit and not really sufficient to cover the cost of possible claims or lawsuits. It is important to discuss the individual needs of your particular business in order to arrive at the proper amount of liability coverage needed.
A standard home insurance policy will normally not provide liability coverage to protect your business from claims made by business visitors who are injured on your property. The type and amount of liability coverage needed will depend on several factors, including the number and frequency of visitors to your home office. Keep in mind that business visitors could include couriers and other delivery people, as well as customers.
A general liability policy sets maximum limits that an insurer will pay in the event of a covered claim, usually on a per occurrence basis. The business will be responsible for any amount that exceeds this maximum limit stated in the policy.
In today’s society, where lawsuits are on the rise, it is very important to understand the amount of coverage needed by your business, as well as, be familiar with actions the business can take to reduce liability exposure.
InsureYourCompany.com is proud to serve the insurance needs of New Jersey. Let us help you find the right insurance to meet the needs of your company and your employees. To become fully informed regarding your options, request a quote so we can find the best policies to meet your needs.
Winter is one of the harshest times for businesses, and not just because people don’t want to go out and shop when it’s freezing outside. We’ve been lucky to have unseasonably warm weather here on the east coast this winter, but that doesn’t mean there isn’t cold weather coming for us eventually!
If you’re a business owner, dipping temperatures offer unique challenges that you have to be ready to meet head-on. Of course, having the right tools on hand will help you make it through to spring relatively unscathed, and it never hurts to take a few winter weather precautions so you’re always prepared.
While one of the most common precautions taken by businesses and homeowners, it’s also one of the most important. Frozen water pipes can lead to stalled water service at best, and exploded pipes and flooding at worst.
That’s why it’s important for a business to know where the pipes are, and to make sure they’re properly insulated, and that the area around them is kept at a minimum of 40 degrees to prevent freezing. Exterior faucets should also be shut off, drained, and left open to prevent damage during the winter season.
Too often a business thinks of the snow and ice outside as someone else’s problem. However, if your sidewalk has six inches of snow on it, along with an inch or more of ice, then it is going to keep customers and clients from coming inside.
It’s important to make sure your entrances are properly cleaned, and that you make the area around your business as safe as humanly possible. That means shoveling, breaking up ice if necessary, and putting down salt or other de-icing chemicals to be sure that your walkway doesn’t turn into a skating rink. Customers appreciate that kind of effort, but it also helps prevent injuries, which could lead to lawsuits.
Most businesses think far enough ahead to put down runners in order to catch rain water as it drips off of customers’ shoes. Those kinds of precautions should be doubled during the winter months because customers will be tracking in water, snow, ice, salt, and other attendant substances that wind up on their outerwear during the winter season.
Giving customers a place to stamp their feet and shake off the worst of the weather prevents the mess from reaching too far inside your doors, which saves you a huge amount of effort in cleaning up.
An ice dam is difficult to miss, given that it’s a huge chunk of ice sitting right on your roof line. What happens is that heat rises from inside a building, melting snow on the roof, and then the melted snow begins to run off. Sometimes it re-freezes, though, creating a dam at the edge of the roof.
This dam prevents further water from draining, and worse, can lead to the water leaking into the roof. That’s why if you notice fat chunks of ice at the edge of the roof it’s best to pull them down with a roof rake, or to report them to maintenance so they can be removed immediately.
The weather isn’t just a burden on your customers and clients; it’s also a burden on you. Sometimes you simply have to come into the office, but it’s important to remember that not every job requires people to be on-hand. If you or your employees can work from home and avoid dangerous highways or inclement weather, then you should provide that kind of flexibility to ensure things keep running smoothly.
Of course, many fears associated with the winter months can be assuaged by making sure that you have the right insurance to cover any unfortunate mishaps. That includes commercial property insurance, which is a must-have for anyone who owns the property on which their business operates. If you’re not sure if you have the proper coverage, schedule an assessment with one of our business insurance experts to find out!
As an IT professional, you may wonder why you need computer programmer insurance. In actuality, you still need the same kind of protection any business would in case of damage to your assets,or injuries that might occur on your business property (or in your home, if you work on a freelance basis). You also need workers’ compensation.
You also face risks that other businesses don’t, which calls for a special kind of insurance.
A professional can help you decide what coverage you need. But in the meantime, here are some of the kinds of computer programmer insurance and other coverage you might need:
Cyber crimes and accidents might be the most serious risk you will face in your business. You might be held liable for data breaches, hacking, data tampering, invasion of privacy, malware, regulatory action, and more.
Large technology firms have had to pay settlements because of data breaches of up to millions of dollars. Smaller businesses, especially, have limited resources to protect themselves if sued. Having the proper cyber liability insurance coverage can help prevent a total loss.
This might be your most important insurance. If a client is unhappy with your performance and sues, your professional liability insurance will cover your legal defense and provide money for some, or even all, of the judgment or settlement amount.
Another way this could help would be to cover the revenue loss for a client for not being able to use a database for a period of time because of an error.
You are responsible for any advice you give, work you do, and anything you forget to do for a particular client. As an example, if you recommend a new software program and the software causes the client’s system to crash, you could be sued for damages for the time when the system was down. Errors and omissions insurance will pay for the legal costs if your client suffers a financial loss.
This can protect a freelance programmer, just as it would any brick-and-mortar store, for damage or loss of physical assets, including equipment and supplies. It can also protect you against claims for customers or client injuries because of accidents or negligence.
As an example, if a delivery man trips over a power cord or a client slips on your sidewalk, you could be sued for medical expenses. If you are a freelance programmer, you should know most homeowner’s or renter’s policies won’t cover property damage or liability to business property, even if you work from home.
As a freelance programmer, you probably qualify for a Business Owner’s Policy (BOP). This bundles general liability and property insurance together. You will pay a single, discounted premium.
If you have employees working for you, you need workers’ compensation to protect against work-related injuries and illnesses. It also protects against lost wages and provides for rehabilitation and medical expenses.
Keep in mind that most states (for example, New Jersey) require workers’ comp insurance if you have any employees.
Your business could be at risk if you travel to a client’s work site. It doesn’t matter if you use your truck, van, or car to transport computer equipment, products or accessories. You need commercial auto coverage to protect against damage caused by a car accident, vandalism, or weather damage, such as hail. It is also required by law.
Remember: All businesses need insurance coverage at some point or another, whether it’s overall coverage or specific to a work contract’s requirements. By making sure you have the proper policies to cover all of your bases, you can worry less about the risks and pitfalls of your industry and focus on growing your computer programming business.
During the holiday season, your employees are distracted. It’s understandable. They’re worried about selecting the perfect Christmas or Hanukah gift for everyone on their list, accomplishing all those important holiday tasks like decorating, and juggling all the responsibilities of home and family throughout the holiday season.
Even in the office, you’re probably struggling to get things done with all of the holiday fun going on. If you’re wondering how to keep your office productive over the holidays, you’re not alone!
Remember, this is a great time to increase employee engagement in the workplace, get to know your employees better, and develop their dedication to your business. Ask about holiday plans, discuss parties and gifts, and offer holiday events at work like Secret Santa, office parties, and group volunteer opportunities. Learn who makes the best Christmas cookies in the office by holding a holiday bake-off.
While overall productivity may slide in the weeks leading up to the holidays, after the new year, your staff will be refreshed and ready to dive right back in.
At this time of year, everyone could use a little extra shopping money or a bit more time off to handle holiday tasks. Offer increased bonuses or other incentives for employees who meet certain goals throughout the holiday season.
A cash bonus is always appreciated, but so is an extra hour off at the beginning or end of the workday, an extra hour at lunch, or a catered lunch so that they don’t have to worry about packing one for the day.
Now, as at no other time of the year, distraction is taking over the office. When you encourage your employees to work together, however, you create increased effort and collaboration that will keep everyone better focused and on task. Put employees together to work on key projects and watch productivity soar.
Take steps to minimize illness, especially as cold and flu season joins the holiday wonder. Remind workers about hand-washing procedures, clean the office regularly, and try to keep the cookies and treats to a minimum to keep everyone healthier.
When employees are sick, encourage them to stay home: working from home if they’re well enough or simply recovering if not. A single employee missing for a day or two, even if their productivity is lost, is better than a cold or flu bug that spreads like wildfire through the office, leaving everyone miserable for days or weeks.
Ask your tech team to crack down on holiday shopping at work. It sounds innocent enough: a quick trip online to order a special item for a child or spouse before it’s no longer available. Unfortunately, that “quick trip” can quickly turn into a long browsing session, especially if stores are offering big sales, free shipping after a certain dollar amount, or other promotions that keep their shoppers digging for more.
Sure, it’s great for their business, but it’s not so great for yours!
Instead, do your best to discourage online shopping during business hours, at least until the holidays are over.
What are the projects that absolutely have to be done by the end of the year? What tasks are most critical? You should try to avoid forcing employees to work overtime during the already-busy holidays, but at the same time, they need to know what projects need to be completed.
If they aren’t working during business hours, they’re going to end up having to work more—and that’s enough incentive to propel most of your employees into action.
The busy holiday season is a difficult time for many offices to stay productive and on track. Allowing a little bit of leeway can significantly impact employee commitment, but you’re running a business, not a party: there are some things that simply have to get done!
Commercial auto insurance is an insurance policy consisting of physical damage, liability, and other optional coverage to protect a business from loss while operating a vehicle in the course of conducting business.
It is important for business owners to understand the difference between a personal auto policy and a commercial auto policy. It stands to reason that your business will involve some kind of transportation, whether it involves traveling to a work site or simply commuting to and from the office, but it’s easy to confuse where the line is.
Of course, rented or hired vehicles are a completely different story. But if your company owns one or more vehicles, or if your employees use their own vehicles to conduct business, read on.
There are some misconceptions surrounding commercial auto insurance, including:
TRUTH: Your personal auto policy provides insurance protection while you are driving for leisure, commuting to and from work, or other personal reasons. Personal auto insurance does not protect you if you are self-employed and using your personal vehicle for business purposes.
If your vehicle is involved in an accident while making a delivery, your personal insurance company will most likely deny the claim. Some auto insurance companies allow you to include business-use coverage, but more than likely, you will need a commercial auto policy.
The best way to understand auto insurance is to determine how a vehicle is primarily used. If you use your car primarily for business purposes like hauling supplies or meeting with clients and only occasionally for personal use, it will likely require commercial auto insurance. If you use it mostly for personal use and only occasionally for a business errand, personal auto insurance could be enough.
TRUTH: There are two reasons for not canceling your commercial auto policy during temporary downtime. The first reason is that by not canceling the policy, your insurance premium will probably be lower than if you cancel and start up again later. Secondly, by canceling the policy, you will have absolutely no insurance coverage on your stored vehicles.
It is best to consider a comprehensive-only policy during downtime to continue to protect your business vehicles against theft, vandalism, or fire.
TRUTH: This isn’t always true, since some insurance companies require any drivers of commercial vehicles to be named in the policy. If your commercial auto policy includes coverage for “permissive use”, drivers will be covered if they have your permission to operate the vehicle. It is very important to understand this provision of your commercial auto policy, so get in touch with your agent to make sure.
TRUTH: Equipment permanently attached to the vehicle will usually be covered. Loose tools, toolboxes, equipment, and supplies will not be covered unless specific coverage for items in transit has been added.
TRUTH: Probably not. If you use your vehicle for any purpose other than personal use, you either need to extend your auto coverage to include business use of your vehicle or you should purchase a commercial auto policy.
TRUTH: The location of your business operations really doesn’t matter. If you drive your vehicle for business-related reasons, your personal auto policy will not cover losses due to business use, unless business-use coverage has been added to your policy. If this additional coverage isn’t available, you need to purchase a commercial auto policy.
InsureYourCompany.com is proud to serve the insurance needs of New Jersey. Let us help you find the right insurance to meet the needs of your company and your employees. Contact us now for a quick, competitive quote.
Many make the mistake of believing that a disability is caused by an accident or by being reckless. This isn’t always the case.
A disability can definitely be caused by an accident, sure, but it can also be caused by an illness or medical condition that the individual develops. Unfortunately, neither an employee or an employer can plan for an individual to become disabled.
This is one reason that offering long-term disability insurance to your employees is so important.
When an employee becomes disabled, they are likely faced with quite a bit of financial strain. This is because they are no longer able to complete their typical, day-to-day tasks at work. An employer will also face strain when an employee becomes disabled, however. For example, they will miss out on the work that the employee normally completes and may struggle to find a replacement for the employee.
When referring to the work environment, a long-term disability usually means that the person is no longer able to work for an extended period of time. Usually this timeframe is longer than 6 months. Many times, a long-term disability could result in the individual permanently being unable to work.
If you are looking for a way to help your employee prepare for a time when they may become disabled, one of the best things you can do is offer long-term disability insurance. There are several ways you can offer this benefit to your employees.
Some employers choose to pay for the entire premium for their employees. However, others prefer to share the cost of the premium or require their employees to pay for the entire amount. Choosing the right option depends on the specific company and employees in question.
Each plan works a little differently. On average, these types of insurance plans will pay between 50 and 70% of the individual’s monthly salary. This payment will continue for an extended period of time, depending on the plan itself. Some plans cover the employee for a certain timeframe, usually between 5 and 10 years, and others pay until the person reaches the age of 65.
As with other types of insurance, there are certain terms regarding when an individual qualifies for long-term disability. For example, it is common for a requirement to be in place that he or she be a full-time employee. This means they will need to work more than 30 hours a week.
It is also common for the terms to require the employee to have worked with the employer for a certain period of time. For example, you may not allow your employees to qualify for long-term disability if they haven’t been with the company for a year or more.
Long-term disability is one of those benefits that will be extremely attractive to potential employees. While no one really wants to prepare to be disabled, it is a necessity. Almost a quarter of individuals who are currently in their 20s will become disabled before they retire. Having long-term disability insurance can help them feel secure with their health.
Employers have many options when it comes to long-term disability insurance. Even if you are not able to pay for a portion of the insurance for your employees, they will still be able to see a benefit. Since they will be participating in a group plan, they will be able to save money with a lower premium.
In the end, choosing to offer a long-term disability plan to your employees can help you to retain your key employees and protect your business in the future. Having it in place is one of the best ways to offer a comprehensive employee benefits package to your employees.
Do you offer your current and prospective employees benefits such as group health insurance? If not, you might want to start considering it. Even if the premiums seem high, the benefits you get back are more profitable than you’d think. Much of it has to do with how insurance affects your employees from the hiring process on to when they become full-time employees.
From a basic financial standpoint, keep in mind that when you obtain a health insurance policy for your employees, it’s considered tax deductible. Health Coverage Guide notes how health insurance is a full business expense, thus automatically saving you money on taxes.
Employees can also save tax money when you deduct the cost of the insurance premium off an employee’s paycheck. By doing so, you increase an employee’s monthly pay, plus help them pay less income tax later. And don’t forget about the tax benefits you get back from the Affordable Care Act.
Those are just a few ways health insurance helps you in working with your employees. So how does it help in the recruiting process, plus in maintaining employees for the long-term?
According to statistics from the aforementioned Health Coverage Guide, 75% of small businesses said having health insurance helped in employee recruitment. One reason is due to the same studies showing 62% of employees expect some form of health insurance from a prospective employer.
For your business, these are the best positive signs you need to obtain a health insurance policy. Consider the cost of training employees—you don’t want to lose them just because they figure it’s too risky or costly to stay on without health insurance.
Even more important is finding employees with the best talent. Locating talented employees is already hard enough, and losing them just because you think you can’t afford insurance can end up hurting how your business operates in the long run.
Your employees already realize any type of injury could occur, no matter what type of industry you’re in. Yet it’s easy to get complacent if you think your company is safe. Once someone gets injured, it could place you and an employee in financial jeopardy due to medical bills and endless litigation fees. Good health insurance, plus a solid workers’ comp policy, can help.
When your employees know they have good health insurance to back them up, they won’t take risks with their health. If you don’t have insurance, employees may wait too long to seek medical treatment if an injury occurs on the job or if they get very sick. This can lead to serious complications that only brings the risk of more lost work time.
Health incentives are better put in place when you have health insurance so employees have better focus on maintaining their health. By that same token, employees can perform their jobs better knowing they have full coverage if something unfortunate does happen.
Along with employees performing their jobs better above, health insurance provides a better retention rate with employees due to improved morale. You may discover some employees are willing to accept slightly lower wages just to have good health insurance. This proves how valuable health insurance is to most employees, especially those working in high-risk jobs.
When you have a better work atmosphere, you ultimately bring better productivity along the way. Without insurance, some employees may avoid certain work tasks because of injury fears, which can slow productivity to a crawl. They may also be more likely to defect to another company that is willing to offer them health insurance coverage.
In today’s more competitive business climate, such risks should be avoided—and taken care of with the right insurance coverage.
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If you are in the IT industry InsureYourCompany.com is the insurance agent you want to work with, we are technology insurance experts and have changed the way you do business. See below a list of professionals who we help today.
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