You just created a great website for your insurance company, and that is it, right? Unfortunately, no. Luckily, though, you can learn a lot from the next step.

After you launch your homepage, the next thing to do is to start tracking your insurance website analytics. To do that, Google will be your new best friend.

Easily Install By Following Instructions

If you have never used Google Analytics before, it may be a little intimidating to start, but not to worry. Just as the search engine giant has become a pro at making searching easy, so, too, are the company analytics tools. To set up your account, all you need to do is use your existing Google account information. Then, simply follow the on-screen instructions. It really is as easy as that.

Note the Five Reporting Options

Next is the good stuff. To take advantage of everything that Google Analytics has to offer your insurance website by noting all five reporting options at your disposal. First, there are the “ABC” reports that include Audience, Behavior and Conversion data. The remaining reports are Real-Time and Acquisition. Together, all of this information provides a detailed picture of your website’s visitors and engagement.

At the end of the day, no insurance company website is complete without a Google Analytics evaluation. Use this information to help you set up an account today.

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Running a company in a niche industry can bring about some unique challenges. If you want to properly protect yourself against any possible threats, you need to first understand the risks that you face. Once you know what problems are most likely to occur, you can take necessary action and find insurance that will cover all your bases. Review these points and see what angles to consider when seeking insurance for your company.

The Way To Get Started

One main point to consider is temporary staffing firm D&O insurance. If you have directors or officers representing your establishment in any official capacity, these people likely don’t fall under typical coverage when it comes to insurance. Should one of these individuals make an error that leads to massive legal or financial complications for your company, you could be put in a dangerous position. Having D&O coverage, however, shields you from whatever blowback may take place. Other options you may want to consider include:


  • Workers’ compensation for contractors
  • Coverage in the event of contract errors
  • Policy options for fiduciary liability

The Best Fit

The more you understand about your policy options, the easier it becomes to find coverage that appropriately reflects your risks. Take time to look at the most common problems you’re likely to face down the road and take out a policy that you can feel confident in.

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The list of risks at sea is long, and costs in the maritime business tend to be high. Among the long list of potential hazards is the possibility of a bunker fuel spill. Severe storms, natural disasters, human error, and other causes can all produce a bunker fuel spill — which can be financially costly, extremely dangerous to crew, and highly hazardous to ocean ecology. For these reasons, bunker insurance is absolutely essential.

What Does Bunker Insurance Cover?

Bunker insurance exists to help ensure that there is sufficient financial compensation to address any pollution caused by a bunker fuel spill. The cost of a cleanup can be costly, and it should be undertaken as quickly as possible — to minimize hazards to ocean life and the possibility of a spill spreading.

While the International Convention on Civil Liability for Bunker Oil Pollution Damage requires vessels over 1000 gross tons to carry relevant insurance, maritime companies are advised to consult with a lawyer and insurer to discuss specific oil insurance needs. Ultimately, an experienced insurer can help design a maritime insurance policy, including relevant bunker insurance, that fiscally protects your company if any incident occurs, while working to ensure the safety of your crew and cargo, and the health of the surrounding ocean.

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If your home is in an area prone to flooding or heat rains, it pays to take steps to prevent damage from flooding. In addition to protecting your home and personal belongings, it is also a sound financial investment. Use these tips to get started toward developing a comprehensive flood damage prevention plan.

1. Assess Your Risks

Inspecting your home’s foundation, landscape and drainage systems is the first step in implementing a flood damage control plan. Start by checking for cracks, water that pools around the foundation, and clogged gutters. Look for obvious signs of trouble, such as grading that slopes toward the house, as well as more subtle things like mulch that touches the foundation.

2. Address Weaknesses

Once you have identified potential trouble spots, take steps to fix them. While there are numerous steps you can take depending on your unique situation, a few common examples of mitigation strategies include:

  • Sealing any cracks in the foundation
  • Installing window wells
  • Cleaning and repairing gutters
  • Improving drainage systems
  • Installing valves in sewer lines

3. Add Protection

Flood insurance is often an optional coverage for many homeowners. However, skipping it can be costly. Review your existing coverage to see if it includes flood damage protection and, if it doesn’t, consider adding supplemental coverage.

Your home is one of the most valuable assets you will ever own. Take steps to protect it from flood damage by performing inspections and making adjustments as needed.


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The Value of Motor Truck Cargo Insurance

For-hire cargo carriers are legally responsible for the freight and commodities they transport. Carriers assume liability for cargo at the time of possession and sustain this liability until delivery is made. While carrier liability insurance offers broad coverage and protects against property damage and personal injury to others, it does not typically cover cargo that is in transit. Motor Truck Cargo insurance is designed to offer specific coverage to protect cargo in transit against perils related to loss, damage and theft. This coverage can also be extended to instances of storage-in-transit for cargo requiring warehouse storage at the carrier’s facility.

Covered Risks and Custom Policies

Companies can purchase Motor Truck Cargo policies with a variety of covered risks. An all-risk policy offers the most comprehensive coverage and is the most expensive, while named-perils policies limit the covered risks to those specifically identified in the policy. Some common perils include:

  • Nature – wind, lightning, other
  • Fire and water damage
  • Explosions
  • Collision damage from other vehicles or aircraft
  • Theft and vandalism
  • Vehicle equipment and refrigeration malfunction
  • Striking/damaging cargo with carrier’s vehicle

Carriers can tailor policies to their changing needs by selecting specific peril coverages and by adding endorsement options for additional coverage.

A Motor Truck Cargo insurance specialist will assess your operations, fleet size, cargo types and risks to help you get the best coverage for your business.

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Due to their size and power, dump trucks can cause serious damage. Thus, dump truck insurance requires a specialty policy, which can be customized to reflect the hauling or construction company’s needs.

Liability Coverage for Dump Trucks

Primary liability coverage is always required. If a dump truck driver causes an accident, this insurance will pay for bodily injury, property damage, and legal defense.

The policy limits needed will vary from state to state. Generally, the limits are determined based on the gross vehicle weight, how far the truck will be driven, and what the cargo will be. If the truck crosses state lines, federal requirements must also be fulfilled.

More Insurance Options for Dump Trucks

In addition to liability insurance, options for dump trucks include:

  • General liability covers non-employee damages, both bodily injury and property damage, which are not related to driving accidents.
  • Collision covers repair of the dump truck after an accident.
  • Comprehensive covers damage caused by theft, vandalism, or fire.
  • Debris removal covers the costs of cleaning up after an accident.
  • Business interruption covers damage to a company’s bottom line when the dump truck is damaged and unusable.

When a dump truck gets into trouble, good insurance ensures that anyone injured is fairly compensated. In many cases, it can also prevent the company from being devastated by the misfortune.

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The modern water treatment system is, in some ways, a true marvel of engineering. Not long in the past, it would have been unthinkable to have such a steady, reliable source of clean water, in so much of the world. But that does not mean the system of water treatment plants providing regular clean water is simple. Rather, there is a long process behind effective water treatment, and many operations must function well for the system to work.

What Goes Into the Water Treatment Process?

In most municipalities, the water treatment process involves several stages:

  • First is collection of water, generally either from an underground aquifer or a reservoir
  • The next set of steps involves filtering out larger particles, through pre-sedimentation, coagulation, flocculation, and sedimentation
  • The final step is disinfection, which is frequently done with chlorine

Of course, an error in any stage can lead to disastrous results for a town or city’s water supply — and it is essential for the process to proceed smoothly. For this reason and others, insurance for water treatment plants is also paramount. A comprehensive policy will help cover any damages that occur due to natural disasters or other forces, as well as provide sufficient liability protection in the event of any problem in the water treatment process.

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If your company works with a lot of volunteers on a regular basis, it’s important to establish clear-cut volunteer boundries and to keep an eye on certain warning signs in order to prevent burnout. If you suspect your volunteers are becoming exhausted, here’s what you need to do.

Keep an Eye Out for Frequent Burnout Warning Signs and Symptoms

Identifying signs of burnout is the first step to helping your volunteers take it easier, rest and recover. Remain vigilant and check in on volunteers who seem to be exhibiting signs such as:

  • Constant exhaustion
  • Physical weakness
  • Difficulty connecting with others at work
  • Absences from volunteer sessions
  • Poor levels of motivation
  • Weak efforts and input

Support Your Volunteers and Set Up Clear Professional Boundaries

When it comes to volunteer relationships, offering support while drawing strict professional boundaries is key. Make sure you:

  • Reach out to volunteers regularly to let them know their efforts are always appreciated
  • Ensure volunteers can communicate their feelings to higher-ups in a secure and comfortable manner
  • Avoid favoritism and respect volunteers’ personal time
  • Avoid connecting with volunteers on social media or in personal contexts to maintain a clear professional boundary

To keep your company’s volunteers healthy and avoid extreme exhaustion or burnout on the work site, make sure to set up clear volunteer boundries and keep an eye out for the most common warning symptoms. Equipped with this information, you can watch out for your company’s volunteer

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Running a golf course can be a great way to make a living. People playing golf tend to be laid back and easy to deal with, that is, unless alcohol gets involved. If your golf course offers alcoholic beverages to people using your course, you could potentially run into problems without the proper safeguards. This is where golf course liquor liability insurance can come in to help.

What Is Liquor Liability Insurance?

Liquor liability insurance is a type of insurance coverage that is designed to protect against the liability risks that come with serving alcohol to customers. Without it, you could end up paying hefty costs out of pocket.

What Is Covered By Liquor Liability Insurance?

Liquor liability insurance can cover a variety of incidents that can occur with intoxicated customers. If someone gets overly intoxicated and damages someone else’s property, liquor liability can pick up the bill. Additionally, if someone gets drunk and gets into a fight where they ultimately end up injuring someone, liquor liability can cover any related costs such as medical bills. Without liquor liability insurance, you would be liable for these costs since you provided the alcohol that led to the incident in the first place.

Serving alcohol to customers is inherently risky. Liquor liability insurance can make all the difference.

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For years, employers have conducted post-accident drug testing as protection against Workers’ Compensation claims that may be rooted in worker impairment. Two things have changed how that policy is carried out. The first is the legalization of medicinal and recreational marijuana in many states The other is the guidance by OSHA issued in 2016 which deemed post-accident testing as potentially retaliatory. Although that was rescinded it has had a chilling effect on testing.

How To Test

Because of the legalization of marijuana, when running drug testing for workers comp claims use a swab test. Unlike a urine panel which will pick up marijuana use within 30 days, a swab only picks up the last 24 hours.

When To Test

A swab test will give you usable results regardless of the suspected substance. To make sure that you don’t leave yourself open to a potential retaliatory workplace lawsuit, make sure to test after every workplace accident, not just the ones you think may result in a claim. Practicing impartiality protects your workers and your business finances.

Work with your insurance company on your testing protocol, and ensure that all testing results are forwarded to your provider regardless of outcome. When they know what you’ve been doing, they are better able to protect your interests.

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