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2 years ago · by · 0 comments

Small Business Liability Insurance Tips

Small Business Liability Insurance

Based on small Business liability Insurance San Diego have some suggestions on the employing teens 

Teenagers can be great employees, as they are often quite energetic and ready to “get their hands dirty” at their first jobs. Yet, they also pose a risk to you as an employer because they have a high frequency of injury. This is due in part because they can be impulsive and they lack the experience necessary to recognize job-related hazards. 

If you are hiring teens for employment, consider the following loss control recommendations:

Provide adequate training for all employees, but especially young people. Vocalize your expectations during the first few weeks of their employment and do not overlook any small errors that they make. Instead, use these opportunities to educate them on “near-miss” accidents and how to prevent accidents in the future. And you can make risks of using small business liability insurance solved.

Support your staff with constant safety reminders and refresher training courses. 

Provide increased supervision for teens, especially when they are new to the job. 

Offer clear instructions on how to perform tasks and provide positive feedback as they are learning.

Encourage employees to ask questions when they do not understand directions and/or when they need clarification. 

Do not think of teen workers as simply temporary assistance at your organization—they need to be trained like any other employee. Time and effort spent on training will pay off in the long run when it helps you avoid expensive work injury costs and higher workers’ compensation premiums. 

Before hiring teens, consider the requirements of the position and determine if a teenager is suited to complete those tasks. Then establish how you can best teach them to be safe on the job. 

Other things to consider: Teen workers must be included in your workers’ compensation insurance coverage. In addition, there are different federal requirements for teens who are 14 and 15 years old versus 16 and 17 years old. Learn these rules as they apply to your workplace to avoid potential fines.

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2 years ago · by · 0 comments

Business Insurance Cost in San Diego

Product liability Insurance


Category: Financial Institutions and Business insurance cost

SIC CODE: 6311 Life Insurance
6321 Accident & Health Insurance
6324 Hospital and Medical Service Plans
6331 Fire, Marine, and Casualty Insurance
6351 Surety Insurance
6361 Title Insurance
6371 Pension, Health, and Welfare Funds
6399 Insurance Carriers, NEC

NAICS CODE: 524113 Direct Life Insurance Carriers
524114 Direct Health and Medical Insurance Carriers
524126 Direct Property and Casualty Insurance Carriers
524127 Direct Title Insurance Carriers
524128 Other Direct Insurance (Except Life, Health and Medical) Carriers
524130 Reinsurance Carriers

Suggested ISO General Liability Code: 61226, 61224

Suggested Workers Compensation Code: 8723, 8720

Product liability exposure

business insurance cost of product liability exposure is very low as insurance products sold to customers are intangible also There may be some minor exposure if the company sells items like tee shirts or advertising novelties to agents or customers.

Workers compensation exposures and business insurance cost

workers compensation exposures are moderate due to the wide variety of positions in an insurance company. Office employees spend most of their time on computers and are subject to eye strain, neck strain, and repetitive motion injuries such as carpal tunnel syndrome Almost all workstations should be ergonomically designed to reduce the chance of such injuries. Employees traveling outside the office encounter over-the-road exposures, particularly in high-density traffic areas. As a result, Claim representatives and inspectors are subject to a variety of unknown exposures from the operations of customers and claimants that they service. Loss sites may be particularly hazardous due to work in damaged buildings or under compromised conditions. Business insurance cost based on these values is different.

Business insurance cost in Business Insurance San Diego

Property Exposures in business are primarily from fire due to the electrical wiring for computers, printers, mail sorters, and other electronic office equipment, heating, and air conditioning systems. Based on these items business insurance cost is different Even more, all wiring must meet current codes, be well maintained and adequate for the company’s operations. Circuit breakers must not be accessible to be overridden. Circuitry for electronic equipment may be easily damaged from smoke, water, and heat, which will cause a total loss even with a small fire. Also, most insurance companies now use paperless record systems, any paper files should be kept in fireproof file cabinets. Fire suppression systems designed for the equipment and paper should be in place. Also If the company has an on-site cafeteria for employees, cooking surfaces should be protected with automatic extinguishing agents, alarms, and shut-off valves. Grease filters should be regularly cleaned. Protective equipment should be maintained and serviced on a regular basis.

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2 years ago · by · 0 comments

Aircraft Business Liability Insurance San Diego

Aircraft Liability Insurance

Business Liability Insurance San Diego

Business liability Insurance San Diego and Business Insurance California Report that: Organizations utilize aircraft owned by third-parties for a variety of business-related purposes—from chartering flights for executives to commissioning fly-overs for research. However, when accidents occur involving these aircraft, businesses could unknowingly be at risk for the resulting injuries or property damage.

Most commercial general liability policies and general liability business insurance exclude claims related to the use or operation of aircraft. What’s more, businesses may still be considered at fault, regardless of whether or not they own the aircraft involved in a claim. And Business Insurance San Diego never ignores it.

To protect themselves and to fill any gaps in coverages, businesses can turn to non-owned aircraft liability insurance.

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2 years ago · by · 0 comments

Small Business Insurance for a Careful Business.

Small Business Insurance

Small business insurance

Small business insurance keep you safe From fires to floods, earthquakes to hurricanes, disaster can strike anytime, anywhere in companies or Shops, and often with little to no advance wearing according to the Insurance Information Institute, as many as 40 percents of businesses forced to suspend operations due to a natural or human-caused disaster never reopen their doors especially in Small businesses.

Try to imagine the challenges and struggles your business would face in the wake of a natural disaster like Hurricane Katrina or Superstorm Sandy. It’s scary to even consider. Now here’s something even scarier: A relatively minor fire or flood that forces you to shut down operations carries many of the same challenges as a disaster on the scale of Katrina or Sandy.

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2072 Orchard Dr. Suite A-2
Newport Beach
CA 92660

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