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Good Questions to Ask Your Insurance Agent
Owning or managing a fleet is hard work. Keeping the fleet running smoothly is even harder work. But we know you, we know you want to provide the best service to your customers, while also operating an efficient, safe, and profitable fleet. But your insurance premiums are super costly. And they keep rising, according to…
The Importance of Worker’s Compensation Insurance for Small Businesses
Insurance is a great way to protect your business. For small businesses, it can also be a great way to protect your personal assets. However, you do not want to have too much insurance, because then you waste money in premiums. So, many small businesses wonder if they should have worker’s compensation insurance. The answer…
Understanding Workers’ Compensation Insurance: What It Is and Who Needs It
Wondering if you need workers’ compensation insurance? It can be a great benefit for business owners looking to protect their workers and minimize their own liability. It is even required in some states. However, workers’ compensation insurance is not for every employer. Read on to find out what it is and who needs it. What…
Transportation Insurance Services For Emerging Industries
The world is on the cusp of change. There are whispers of another industrial revolution. Whatever it may be, and whenever it may come, industries as we know it will likely change magnificently. You already know some of the things that come to mind, electronics and data processing of all kinds, artificial intelligence, green energy…
The Importance Of Transportation Insurance For Commercial Fleets
Commercial trucking is the most valuable form of transporting goods in America, by a long shot. The total value of goods shipped by truck in 2017 was 12 trillion dollars, according to the Bureau of Transportation Statistics. That was over 60% of the total value of goods shipped. As you can see, commercial trucking is…
Workers Compensation Audits
Workers’ Compensation Insurance Audit Services When you have workers’ compensation coverage, you should know that you can be audited. Insurance companies want to ensure that you are operating your workers’ compensation program fairly. If you are facing an audit, here are some things you can do to make it run more smoothly. Unlike other types…
Workers Compensation Benefits and Their Categories
Workers’ compensation insurance is insurance that employers get to cover employees in the event of injury or illness on the job. Some states require businesses to carry workers’ compensation benefits for their employees. However, even in states that do not require it, it can be financially beneficial for employers to have the coverage. It protects…
Medical Expenses
If you are looking at workers’ compensation coverage for your employees, you are probably interested in medical expense coverage. While it is true that workers’ compensation covers medical expenses for your employees who experience covered work-related injuries, it is not blanket coverage for all medical expenses. Understanding what type of medical expenses are covered can…
Experience Modification Rate for Workers’ Compensation Insurance
Worried about the cost of workers’ compensation insurance? Make sure and ask about the experience modification rate (EMR). The EMR is a way for safe workplaces to get a discount on their workers’ compensation coverage. The EMR is a multiplying factor that reflects a company’s claim history. The safer your workplace, and the fewer workers’…
Capstone Comprehensive Insurance Coverage
Insurance is not a one-size-fits-all product. That is why you need an insurance company that treats each customer as an individual. At Capstone Insurance Services, we take the time to assess your individual insurance needs. Then, we help you find the products you need to protect yourself. Whether you need personal insurance or business insurance,…