Category: Insurance Agent

Can Workers’ Comp Cover Injuries Developed Over Many Years?

Not all work-related injuries are caused by sudden accidents. Occupational diseases and cumulative trauma injuries can develop over time. Repetitive Stress Injuries If an employee is covered by workers’ compensation insurance, he or she should be entitled to receive compensation for repetitive stress injuries cause by overuse over a long period of time. Back pain and carpal tunnel syndrome are examples of this type of... Read Article

Safe Driving In Major Cities

While driving in a major city, you are likely to encounter traffic jams, bumper-to-bumper traffic, and large numbers of pedestrians and bicyclists. The following are safe driving tips to help smooth the way and reduce your risk of an accident. Avoid Driving During Rush Hour Peak rush hour traffic typically occurs from 7:00 a.m. to 9:00 a.m. and from 4:00 p.m. to 6:00 p.m. Stay... Read Article

Nontraditional Beneficiary Options

Choosing a beneficiary is one of the most important decisions you can make regarding your life insurance policy. While most individuals choose a close relative or friend, you may find yourself considering other options, or even multiple beneficiaries, for a variety of reasons. What is a Beneficiary? A beneficiary is the person or entity who receives the death benefits from your life insurance policy after... Read Article

Will Workers’ Comp Cover Employee Negligence?

Workers’ compensation insurance is designed to provide benefits to injured workers and to protect employers from injury lawsuits brought by employees. It pays for medical care, partially replaces lost wages during recovery from work-related injuries, and covers vocational rehabilitation for workers when needed. Generally, workers’ compensation is a no-fault system that provides benefits for workers injured on the job, regardless of who was at fault.... Read Article

Protecting Your Home Through The Seasons

Blazing sun, sub-zero temperatures, or any extreme weather conditions can wreak havoc on your home. Seasonal maintenance can go a long way toward preserving the condition of your home. The following are home maintenance checklists for winter, spring, summer, and fall. Winter Home Maintenance Vacuum HVAC registers to remove dust and debris. Flush out water heater to remove built-up sediment. Clean refrigerator coils. Check caulking... Read Article