The Best Coverage for You

worldwide insurance services

If you run a small business and have employees under you, be mindful when choosing which liability insurance plan to go with. Your company is your baby, and you want to be sure that you are making the best choice possible for it. Employees and coworkers can become great friends and a step away from family. Ensure that everybody is protected by choosing a plan that makes sense for your business.

What Kind of Company?

Worldwide Insurance Services covers a wide variety of business types. Look into what kind of company you run and its specific needs. Are you an engineering company? Information technology? Accounting? Whatever blanket your company falls under, look at what you need to be covered for in your field. Look into specifics and find out what kinds of coverage is best for your needs.

For example, if you are in the medical field, are you covered for a malpractice suit? Think about what you as an employer are liable for, and what you and your employees need protection from. The professionals at Worldwide Insurance Services can help answer some of those questions.

Part of your responsibility as a business owner is to ensure the continued protection of yourself and your employees. Being prepared and knowing what to expect are two hallmarks that make a good entrepreneur a great one!

Little Known Things You Need To Know About Workers Compensation

Little Known Things You Need To Know About Workers Compensation

Most business owners know the basics about workers compensation insurance such as injured or ill employees can receive the insurance to cover their medical bills. Covering your business with Ascendant Insurance protects your business and your employee. Here are other things to know about workers compensation.

State Laws Differ

Depending on what state you live in, the industry you operate in can affect whether you need workers compensation or not. Some states differ on costs whether they are a monopolistic state or not.

Lost Wages

In addition to being compensated for medical bills, employees also receive a portion of their regular income while on leave for a workers comp case. Benefits range from temporary total disability to temporary partial disability. The employee’s doctor determines on the time needed for the employee to heal.

Common Claims

Implementing a safety protocol can help reduce the number of workers comp cases. The most common cases result from machinery accidents, overexertion, falls and slips.

Employees Cannot Sue

An employee who uses workers comp for their medical bills and wage replacement cannot then go sue the company for the same injury or illness. However, intentional action and recklessness by the employer are separate issues legally.

The additional financial asset protection of a workers comp policy with Ascendant Insurance helps mitigate the company’s risks. Workers comp benefits both employees and employers.

Keep Yourself Safe With the Right Insurance

accountants professional liability insurance

Money is a delicate priority for most people. That is why clients come to you to help manage their finances in the best way possible. They trust that you have the expertise and care to do this correctly every time. However, what do you do if a client feels that you have mismanaged their money and decides to file a claim against you? Without the right accountants professional liability insurance, you can find yourself stranded and penniless.

What Is This Coverage All About?

This liability coverage is designed to help you when a client claims you performed a negligent act or made an error while providing them with a service. Many times a client will feel inclined to sue because they feel that your mistake cost them money.

How Can It Help?

Depending on your agency, this liability policy can help you with anything from attorney costs to court fees to settlement payments.

Is It Worth It?

As an accountant, you understand the importance of spending each penny in the right location. Accountants professional liability insurance is vital because you can never really foresee when a client is unhappy with their service. Investing in this coverage can save you thousands down the road.

If you are interested in learning more about his crucial coverage, contact a local insurer to learn how they can build the right policy for you.

Top Alternative Treatments for Rheumatoid Arthritis

rheumatoid arthritis treatment

When it comes to rheumatoid arthritis, it’s a painful and sometimes debilitating disease. There are a lot of treatment options available, but what you may not know about are some of the options in available alternative rheumatoid arthritis treatment.


SAM-e is a pain reliever with anti-inflammatory properties. In addition, it may be able to stimulate cartilage growth and can affect serotonin production, which reduces pain perception. Rheumatoid arthritis symptoms may be helped by SAM-e.


CBD and THC help stop the transmission of pain. Likewise, CBD oil may help with inflammation. Rheumatoid arthritis is an autoimmune condition. CBD affects your immune system. Arthritis patients tend to have CB2 receptors in unusually high levels. Those receptors are particularly sensitive to CBD.

Omega-3 Fatty Acids

Whether you eat cold-water fish like salmon and tuna or use fish oil, omega-3 fatty acids are crucial to health. Likewise, they contain anti-inflammatory properties. To help with the symptoms of arthritis, it helps to eat foods rich in omega-3s.

Rheumatoid arthritis is a difficult condition to live with. It can be extremely painful for patients to have to handle. Fortunately, there are options when it comes to rheumatoid arthritis treatment. In some cases, you may want to look into supplements and alternative methods to pain relief.

The Insurance Your Business Needs

commercial insurance orlando fl

The Insurance Your Business Needs

Do you own and operate a business in Florida? Then you need the right commercial insurance in Orlando, FL to help protect you from the risks associated with your industry.

Commercial Insurance Programs

There are risks related with businesses across every industry. The right insurance program can help you mitigate those risks and manage them in the event of an insurance claim or other disaster. Some services available for you to choose from include those listed here:

General liability

Employment practices liability

Workers compensation

Professional liability

Inland marine

Property insurance

Cyber liability

The above list is not comprehensive, which is why it is important to speak with an insurance agent to make sure you receive the plan that sufficiently covers your business. Then, the plan and coverage limits can be set to appropriately match your business and your industry. That way, you can build the commercial insurance coverage you need.

Florida Insurance Coverage

Your business needs proper risk management and protection no matter which industry you work in. If you’re ready to protect your business, then work with a specialist to find the commercial insurance in Orlando, FL that’s right for you. Once that’s done, you can have peace of mind knowing you are covered against risks and damages in your industry.

Don’t Forget to Protect Your Non Profit

non-profit insurance NY

Sometimes, non-profit organizations believe that they need less insurance than a typical business. Sadly, this isn’t the case. Not-for-profit organizations are still vulnerable to risk. When it comes to non-profit insurance NY non-profits should consider, there are quite a few.

Cyber Liability Insurance

Nowadays, cyber liability is becoming more popular among businesses. A non profit can suffer from cyber theft too. In fact, non profits are often at a greater risk than they recognize. Employee data, donor data and other confidential information is at risk for theft.

General Liability Insurance

General liability tends to include three different kinds of coverage. These include:

  • Professional liability
  • General liability
  • Abuse and molestation liability

General liability addresses property damage and bodily injury. It also includes a defense for advertising or personal injury claims.

Directors and Officers Insurance

D&O coverage is the most common non-profit insurance coverage. This is because it is essentially a management liability coverage. It protects leaders of the organization against claims of wrongful acts. Most companies will have different D&O policies. It’s important to know your exclusions.

When it comes to non profit insurance NY not-for-profit organizations should invest in, you need to consider what risks could tie up your investments or employees. A lot of human services non profit organizations deal with confidential data that you wouldn’t want to get into the wrong hands. It’s important to invest in insurance that protects.

Finding the Right Coverage for Your Management

management liability insurance specialist

When running a business, you often put your business in the care of executives such as directors, officers and other managers that will need to handle quite a bit in terms of company action and decision making. These people will have control over parts of your business that can directly affect others, including employees, stockholders, customers and other third parties. If something happens, whether through direct actions or simply poor luck, which could be blamed on one of these executive’s decisions, they can be held personally responsible. This leads to lawsuits, which result in legal fees that either have to come from the director or officer, or from the company itself (and if not immediately from the company, the costs are typically indemnified). However, searching for a management liability insurance specialist can help you get the coverage you need in order to avoid these financial losses.

What to Look For in Management Liability Policies

Typically, management insurance coverage is Directors and Officers (D&O) liability, perhaps as a part of professional liability. When comparing policies and locating a management liability insurance specialist, keep in mind a few different qualities you’ll likely want:

  • Program flexibility for the policy to adjust to your industry and needs
  • Coverage for individuals, the company itself and indemnifying
  • All legal fees are included, such as attorney fees, fines, settlement, penalties, damages and punitive damages
  • There is still coverage for innocent defendants in cases of crime

4 Reasons To Use an Insurance Agency for Your Business

Agencies like North Star

Running a business comes with many risks, but those can vary depending on the size of the company and industry the business operates in. Agencies like North Star use independent agents to offer you exceptional customer service and knowledge that can benefit your business.

Licensed Experts

Insurance can be complicated. Having a licensed expert in your corner can help you easily determine if a policy works for you and find what you didn’t know you needed. They are there to answer your questions, so you fully understand the policies you are purchasing.

One-Stop Shopping

Businesses often need more than one type of policy. Independent agents with an agency can analyze your business risks to determine the types of policies you need and then offer you options to choose from.

More Choices

Agencies like North Star offer independent agents that offer more variety in coverage options. They can offer multiple quotes from different companies and search for the best deal available.

Your Advocate

If you have a claim or something goes wrong, the agent works with your business. They advocate for you with the insurance agency.

Save money and time by using agencies like North Star when shopping for business insurance. The benefits of using independent agents save you time researching and help your business every step of the way for the life of the policy.

Tips for Relocating to Hartford, Connecticut

hartford connecticut insurance

Relocating to Hartford can be a very exciting move. Whether you are moving for leisure, to be closer to family or for work reasons, there are many things that you can do beforehand to ensure that your transition to the capital of the “Nutmeg State” is a smooth one. Before diving head first to enjoy the historical sites offered by Hartford, Connecticut, insurance and other paperwork should be taken care of first to avoid any unnecessary misunderstandings or costly fines.

Take Care of Business First

Before you even get to Hartford, it can be helpful to do as much as possible before even arriving. For example. Some items that you may need to add to your checklist include:

  • Research employment opportunities and the housing market
  • Find and Establishing a place of residence
  • Notify the post office
  • Getting quotes from moving companies
  • Schedule a day to turn off utilities
  • Stopping at the Connecticut DMV to convert your out-of-state driver’s license and vehicle registration
  • Enrolling any children in school
  • Research Hartford, Connecticut Insurance companies for your coverage needs

Before you know it, your affairs will fall into place and you will have a new routine established in this new city. With a little preparation, you can settle in as quickly as possible into your new home and enjoy the sites of this historic area.

Key Concerns with Hackers

cyber insurance

Cyber crime has become a significant threat to every industry. Fortunately, the brunt of the financial fallout doesn’t have to be faced alone. Many top-rated carriers and brokers are now offering cyber insurance, which can help recoup some of your losses when faced with a claim issued against your cybersecurity. Understanding the types of threats is one way to improve your security measures against them.

Types of Attacks

There are several ways that criminals attack computers or networks.

  • Malware
  • Phishing
  • Denial of service
  • Man in the middle
  • Cryptojacking
  • SQL injection
  • Zero-day exploits

The severity of each attack will depend on the ultimate goal of the perpetrator. Sometimes the intent is simply to disable a hosting computer or network, while the other is a plan to steal data from the company or individuals associated with it.

Prevention is Key

In addition to carrying cyber insurance, major corporations have entire departments and large budgets dedicated to fighting cyber threats. Small businesses can take measures as well. Be sure to set up secure networks for all transaction, and rely on encrypted data with financial and sensitive information. Maintain a strong firewall and continually assess your network and set-up for threats. If you aren’t familiar with these terms, hire a professional to give you and your customer peace of mind with digital transactions.