Category Archives: Commercial Property Liability

What Home Health Services Are Covered by the Affordable Care Act?

Many people who rely on regular medical care find it difficult to venture outside the house for a variety of reasons. Ambulatory issues and lack of transportation are just two reasons why these individuals require care at home. These individuals may also rely on the affordable care act and home health care services are sometimes covered by this piece of legislation. Here are two kinds of care that these individuals can expect to receive.

Occasional Skilled Nursing Care

After a hospital visit, a person may need checkups to ensure he or she is recovering as expected. Alternatively, a person with an oxygen tank or an immune system vulnerability may require healthcare providers to come to the home. Nurses can check vital signs, monitor wounds, and recommend treatment, all in the safety of the home. The Affordable Care Act covers these visits.

Physical Therapy

After an illness, an individual may require help in regaining function of their body. A physical therapist can help him or her to move, flex, and stretch the affected area so he or she can return to normal activities or a modified form of functioning. These visits may take place once or twice or continue over the course of months. Under the Act, individuals can receive these services at home instead of the hospital.

Is Temporary Work Right for You? 3 Questions To Ask Before Deciding

Temporary work can be an attractive option for many people. It’s a good idea to ask yourself these three questions before deciding if it is right for you. 

1. How Long Can Temp Work Last?

The question of how long is temporary work can vary depending on a few factors. First, companies that hire temporary workers directly must comply with federal labor laws. These limit temporary workers to 1040 hours per year, which may be sufficient to cover a vacancy due to FMLA or an injury. However, staffing or temp agencies may be able to place their employees at a company for up to a year of full-time work. 

2. Can An Assignment Be Extended?

Despite the one-year cap, temporary workers may be able to stay on with a company for an additional year by extending their contract. This can help maintain stability for both the employee and company. 

3. What About Insurance?

If you are hired as a temporary employee directly through a company, any benefits will likely come from them. This includes things like workers’ comp insurance. However,r if you are working with a staffing company, you will likely be considered one of their employees. In that case, all benefits would flow through the agency responsible for your placement. This is a nice feature since it creates some continuity even if you frequently move between placements. 

Temporary work offers variety and convenience, but you should understand the process, including how long assignments can last and how benefits are calcualted before making a commitment. 

Understanding Driver Shortages in Supply Chain Challenges

Various factors have contributed to supply chain disruptions which are affecting a wide range of consumer markets. Manufacturing obstacles represent only a fraction of the problem, and there are formidable challenges in getting products that are ready to go to distribution facilities. A massive truck driver shortage has forced manufacturers to contend with unprecedented challenges in coordinating logistics for distribution.

Demand Increases

Growing consumer demand for certain items as well as changes in the way people are shopping have made interstate cargo needs higher than ever before. There simply aren’t enough drivers on the road to keep up with current demand levels.

Candidate Shortages

Fewer people are seeking CDL licenses and opting for less demanding job roles with comparable compensation. Many potential drivers have elected to drive local routes which have become increasingly important to large suppliers as more people have been shopping at home.

Industry Changes

Part of the general reticence that potential candidates may have about truck driving is the industry’s current mode of transition. Infrastructure is changing, autonomous vehicles’ development is accelerating, and environmental concerns about the carbon pollution of current fuel sources is heightening.

Companies who rely on truck transport in any aspect of their operations need smart and adaptive strategies to deal with the new landscape. Dynamic risk mitigation strategies can help them to withstand an array of challenges.  

What Does Active Shooter Insurance Cover

Unfortunately, there has been a steady increase in gun-related violence in the United States over the last few decades. Aside from the obvious tragedies that result, there is a variety of consequences that result from active shooters. Here are a few ways that active shooter insurance can protect you and your company.

In the aftermath of the assault, victims and their families may seek restitution from those responsible. Legally, you as the business owner are included in this category. An active shooter insurance policy can protect you from losing your business or other assets should you be taken to court.

Property Damage

Bullets can cause extensive damage to walls, furnishings, computers, windows, and other features and fixtures of your business. If the assailant used an automatic- or semi-automatic weapon, you might be facing hundreds of bullet holes throughout your property. An active shooter insurance policy can help you replace these items quickly and without additional expense.

Loss of Attraction Coverage

In the months or years after a violent attack, people may be wary of visiting your establishment for fear of future attacks or because of the traumatic memories associated with it. This is particularly true of businesses that center on entertainment, such as nightclubs, movie theaters, malls. Your policy can compensate you for revenue lost during this period.

Active shooters can have devastating effects on the people around them, but the right insurance policy can help you and your business recover from the financial consequences.

Tips for Creating a Positive Working Environment in Your Small Business

Workers are placing more importance on the quality of the environment where they spend their days over other factors when deciding whether to make a career change. This makes establishing a healthy and productive environment increasingly important, especially for small businesses hoping to compete with larger companies. These tips can help you create a great work environment to attract and retain top talent. 

Develop a Formal Onboarding Process

Don’t leave new workers to falter on their own. A formal onboarding process can ensure they have the training, knowledge, and tools necessary for success on the job. It is also helpful to offer training updates as needed. 

Encourage Open Communication

Open lines of communication can help eliminate more problems than you might expect. Instead of letting frustrations or concerns build, encourage employees to share them right away. When management listens and responds appropriately to these, employees feel valued. 

Be Flexible

Employees are looking for more flexible work options, such as the option to work remotely or on non-traditional schedules. Be willing to consider these suggestions to help create a positive environment. If you do manage a remote workforce, having regular small business team building sessions can help create cohesion. 

Creating open lines of communication, offering comprehensive training, and being willing to adjust as needed are important steps that can make a big difference in making employees feel valued and respected. 

Tips for Developing Warehouse Maintenance Plans

Managing a warehouse requires good preventative maintenance policies. Taking steps to keep warehouses in clean and well-organized condition will help to enhance productivity while also keeping workers safe. Having a solid warehouse maintenance plan in place will enable companies to avoid serious liability and loss.

Equipment Maintenance

Warehouse equipment has to be kept in good working condition. A sudden equipment failure could significantly delay a site’s operations or even cause injury. Managers need to implement maintenance protocols to prevent equipment from malfunctioning.

Pest Control

Warehouses may be a very attractive environment for many different types of pests. Preventative extermination can proactively address infestations that could damage a warehouse’s inventory.

HVAC Service

Keeping a warehouse at the right temperature may be critical to its operations. In addition to being able to control the temperature with ease, warehouse owners must assure that the quality of the air is not making workers sick. A preventative maintenance plan from a reputable HVAC contractor can keep systems operating efficiently and safely.

Storage Optimization

Warehouses need to make the most of their available space. They should perform periodic inspections to assure that they are using space well and that all storage structures are functional.

Smart maintenance policies will make warehouses as profitable as possible. They can also safeguard owners against considerable liability exposure.

Pests in The Library

Keeping Pests Out of the Library

Libraries can be sanctuaries for local communities, but the intrusion of harmful pests can disrupt the calming atmosphere. When the stacks are overwhelmed with an infestation, there are many library pest control tips that can be used to restore peace to the library. 

Identifying an Infestation

Pests are not always visible, but they often leave signs of their presence. One of the most common signs is droppings, which are small in size and can appear anywhere in the stacks. For libraries, another sign is damage to books and shelves. For example, termites chew through wood and paper, so they can wreak havoc on a library’s holdings. Once you’ve identified that there is a problem, then you can work on eliminating it for good.

Strategies for Managing an Infestation 

Some effective measures for handling a library infestation include: 

  • Isolating infected items in a separate space 
  • Using heat to eradicate an infestation
  • Lowering temperatures to freeze pests 
  • Placing bait to attract pests 

All of these strategies can take care of an infestation in a short time so there is minimal disruption to the library and its patrons. With the library offering comfort and solitude for many people, it is important to manage infestations before they get out of hand and overwhelm the space. 

Day Care

What You Can Expect From Adult Day Care Liability Coverage

An adult day care provides a valuable service to the community. You offer a place where families can trust that their aging loved ones will be safe. To protect your business and your staff, you need solid liability coverage.

General Liability

No matter how careful you are or how safe your center is, accidents sometimes happen. Your general liability policy covers accidents that are not specifically related to the services you provide. It can pay the legal fees and settlements associated with a visitor’s injury or property damage that occurs on your grounds.

Specialized Liability

Every industry has specific risks associated with the services it provides, and adult day care is no exception. There are several adult day care liabilities that your staff may be accused of:

  • Medical malpractice
  • Negligence
  • Poor advice
  • Bodily injury
  • Accounting errors

Even if your staff is not guilty of these errors, clients can still sue for damages they believe they are owed. Whether they are awarded said damages or not, you want to make sure the cost of the lawsuit itself is covered by your insurance provider.

Your adult day care staff is committed to giving clients the best care possible. Protect your staff with good liability coverage that specifically addresses the risks of running an adult day care facility.

Thayer Innes

Tips to Protect Your Business from Liability

If you own a small business, you probably know that even a single lawsuit can mean having to close your doors. While this is true, there are steps you can take to prevent issues and liability, which are found here.

Purchase the Right Insurance

According to Thayer Innes, having the right insurance is the best way to protect your business from liability lawsuits. While each business’s insurance needs are unique, purchasing products, commercial property liability, and general liability coverage are recommended.

Maintain High Standards

Know your business practices down to the very last detail and work with your employees to create high standards for each step of your service or product. When you know how things should be done, you can begin enforcing these standards at every turn.

Test Your Guidelines

Once you establish your standards, you need to test people and processes to ensure they are living up to them. If not, you need to figure out what has gone wrong and what you can do to fix the issue. Failure to do this may result in a liability lawsuit down the road.

Protecting your business takes time and effort. However, when you use the right steps and put the right processes in place, you can reduce the likelihood of a liability lawsuit being filed against your business.