Every business and every situation is unique as the people involved in running it, we are going to explore just a few areas of coverage that are frequently needed in many Social Services organizations. This is in no way a proposal of insurance or direction of coverage, since every business is different a one on one review would be neccessary to determine needs and risks and a portfolio proposal will be constructed and built according to your individual needs.
Areas of Coverage:
Professional Liability Insurance
Sexual Abuse & Molestation Coverage
Employees Practices Insurance
General Liability Insurance
Workers Compensation
Directors & Officers
Business Auto
Property Insurance
Professional Liability is normally written on a claims made basis and will include a retro active date of coverage, this is an essential part of any professional organization and should not be taken lightly when a lapse of coverage or necessity is in question. This product is design to protect you as the business owner and professional employees in the event a claim or suit is filed against you. With every situation involving the certification and daily care of clients comes an opportunity for incidents, and unfortunately not all can be prevented. The good news is that most state agencies involved in licensing and certifying your business are also a great resource for prevention. Sometimes the inspections and requirements of a particular agency can seem grueling but in the end they are there to protect you and your clients. Your insurance agent should also strive to guide and direct you in claims prevention as well as professional practices for your business.
For more information or to set an appointment for review contact:
Adam@jaknappagency.com or
John@Jaknappagency.com
Sexual Abuse and Molestation Coverage is a neccessary evil for any and all business involved in social services care. The likelihood of claims may seem insignificant or improbable but the reality of it is your professional liability does not include this coverage and murphy doesn't take vacations. As a business owner we all take great pride and responsibility in our work and our services, but we have no control over the employees we hire and their response to our training and practices. Do not allow yourself to become a victim of circumstances, learn the proper responses to an allegation as well as the signs and procedures in prevention and possible occurrances so that you can protect yourself from this kind of debilitating incident.
For more information on coverage, prevention and training contact:
Adam@jaknappagency.com or
John@jaknappagency.com
Employee practices liability is an evergrowing area of claims and suits and unfortunately in todays world we understand something are out of your hands. Proper hiring and firing procedures are a must in any business looking to survive as well as handling employee reprimands and write ups. The last place you want to show intiative is in a he said she said court battle. Ask your agent today about coverage comparisons and prevention programs. Social services and care have a higher turnover than a standard business, we understand the possibilities of allegations and are here to help. JA KNAPP has partnered with our underwriters to provide resources and techniques to help you be better prepared.
For information on EPLI (Employee Practices Liability Insurance) contact:
Adam@jaknappagency.com or
John@Jaknappagency.com
General liability is a key coverage any and every business should have, as businesses we expect to be busy and that requires a lot of hard work. Unfortunately with the growth of a business comes more opportunities for claims and law suits. As a business owner we all wish we could clone ourselves, we know ourselves and our habits as well as our work ethics but unfortunately we have to rely on help. Everyone makes mistakes and in the world of today, we are working harder than ever. An overlooked piece of media or a forgotten office task can lead to incidences of injury and may or may not result in a filed claim. Negligence is an everchanging definition in the eyes of the law, let's make sure you are protected.
To discuss you general liability visit:
http://www.jaknapp.com/ or contact us:
Adam@jaknappagency.com or
John@jaknappagency.com
In our next post we will discuss the needs involved in Workers Compensation, Directors & Officers Coverage, Business Auto Insurance and Property coverage. What they mean to you and how you can protect yourself.
For more information on other programs and products visit:
http://www.jaknapp.com/
Sincerely,
Adam Griggs
VP - JA KNAPP
Celeritas et Veritas - Promptness & Truth
