DRIVING WHILE SLEEPY IS HUGE RISK Ever keep driving even though you know you’re getting far too sleepy? In many surveys, large numbers of American drivers admit doing just that. And according to the AAA, that’s a very bad idea….
Your Immunity Might Be Compromised Under workers compensation law, employees receive complete coverage for on-the-job injuries, without regard to fault, and employers receive immunity from lawsuits over such injuries, regardless of fault. This “exclusive immunity” provision protects employers who provide…
Be a Wise Driver Did you know that if you’re the unlucky victim of a hit-and-run accident, you’re responsible for all the expenses? Many insured drivers lack the coverage necessary to handle the costs of being the victim in such…
Shopping for Your Teen’s First Car: Your teenage daughter wants some new wheels and has been hammering down your defenses with some wonderfully crafted arguments. If you do decide to purchase her first automobile, you should probably heed some advice…
Make Sure You Have Access to Your Excess Many employers supplement the basic employer’s liability coverage in their workers compensation policy with additional limits provided under an umbrella or excess liability policy. While this is a great idea, keep…
Maintain Control of Premium Audits Exercise better control over your insurance audit process and prevent auditor errors and misunderstandings by being present at the audit and keeping and reviewing a copy of the auditor’s worksheet. No one would have a…
Changes in the Rules of Your Business From state law and regulatory modifications to changes in rating bureau (NCCI) rules and regulations, workers comp changes can affect your rates, discounts, classifications, experience modification calculations, and audits. Keep your premiums accurate…
WHO IS EXEMPT FROM COMP COVERAGE? Every state workers compensation law provides certain individuals are exempt, or may elect to be exempt, from being covered by workers compensation insurance. These individuals vary by state, but often include domestic servants, sole…
Home Reconstruction Costs As the Housing market continues to be depressed, some home owners consider reducing their homeowner policy coverage based on falling market value. In order to promote better understanding of home reconstruction costs, Allied Insurance offers the following…
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