In today's digital world, commerce often crosses oceans, geographical and national borders with a simple click of the mouse. The global economy all businesses must compete in also means more and more companies are engaging in international transactions. If your business sends employees abroad or across the northern or southern borders, has an international sales office, enrolls in international trade fairs or conferences, imports or exports materials or products, or performs any services in a foreign country, you need
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While most states require virtually all employers to carry workers compensation insurance, it’s handled a bit differently in Texas. The Texas workers´ compensation system is the method by which covered workers are compensated for work-related injuries or illnesses. An employer´s insurance company or certified self-insurance plan pays scheduled benefits for work-related injuries, even if the injured worker´s negligence contributed to the accident. Although Texas law does not require workers´ compensation in most cases,
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We pride ourselves not just on selling insurance, but on sharing our expertise on the risks our clients face every day and how best to mitigate them. With business operations becoming more complicated, global and reliant on technology every day, comprehensive risk management techniques combined with tailored insurance solutions are the only way to make sure that you are protected from the wide range of exposures inherent in your day-to-day business operations. Consider the area of cyber liability. What was once a minor
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In today’s global economy, more and more U.S. based businesses have satellite offices in other countries, employees who rack up the international frequent flyer miles, or some, if not all, of their operations base abroad. The risks can be greater, but so too can the rewards. Finding a business insurance policy or package that can protect you from the plethora of risks your company and its employees may face while in a foreign country is vital to protecting your interests. Whether your company only conducts international
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Does your company manufacture or sell products or other goods to the general public? If so, you likely need product liability insurance. Product liability insurance covers a business’s financial responsibility for losses or injuries to a user, buyer or bystander caused by a defect or malfunction of the product. In some instances, product liability insurance may also cover the manufacturer or seller of the product for defective design and “failure to warn.” Claims against companies for product-related damages are
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Business owners might have many good reasons to want to insure all of their vehicles on their business auto insurance. But there are just as many reasons why you should not. Your business auto policy is designed to cover vehicles owned by or leased to your business while you or your employees are driving them for business purposes. A business auto policy may not provide adequate coverage for you or your family if you have an accident when using a vehicle for personal use. While your attorney or accountant may find
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Workforce safety must be at the top of the list when it comes to a business owner’s responsibilities. Not only does the business have a moral responsibility to ensure that its employees are safe, but the Occupational Safety And Health Administration has a wide range of federal regulations that cover policies and procedures. Let's have a look at what you are required to consider when undertaking maintenance and servicing of machines in your business, as an example. Note that above everything else you have to ensure that
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Business insurance can often be very difficult to understand. If you're not sure then it's really a good idea to discuss this with your insurance agent who is an expert in these matters. All too often the Board of Directors of a nonprofit organization finds out the hard way that this "uncertainty" was well-founded. Often, general liability insurance may not cover specific issues associated with "the people at the top." In fact, we can draw distinctions between general liability and directors and officers insurance, which
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Pollution liability insurance protects companies against liability claims stemming from damage caused by hazardous waste materials. It is needed by businesses that produce hazardous waste emissions during manufacturing. The types of companies that should purchase pollution liability coverage include: General contractors, including commercial, residential, municipal, highway/road contractors, maintenance, mechanical, demolition, industrial, excavation, grading Trade contractors, including HVAC, paving, carpentry and
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Determining the risks facing your business can be a difficult challenge, especially when you are personally invested in the process. No business owner wants to believe that their business is exposed to great risks; however, many situations may expose your company to lawsuits, liability and substantial expenses. An unfortunate number of these situations go unnoticed by many business owners until it is too late, making it important to discuss your risk management needs with an objective insurance agent. Objective Risk
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