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3 weeks ago · by · 0 comments

Tip for Insuring Off-Roading Vehicles

Off-Roading Vehicle Insurance in Arizona

Tip for Insuring Off-Roading Vehicles

Whether you have a 4-wheeler, ATV, dirt bike, dune buggy or golf cart here are some tips for insuring your off-road vehicles.

Purchase separate off-road vehicle insurance coverage

You will need to purchase your off-road vehicle separate coverage from your auto or homeowners insurance. Once you take our off-road vehicle off of your property, you are no longer covered under your homeowner’s policy. That is why you are much better off purchasing a separate policy that will cover you on and off your property. Our team will go over all the insurance options we have and ensure that you receive the best coverage at the best rate.

Protect extras

If you personalize your off-road vehicle, make sure to let your insurance agent know. Oftentimes policies automatically include a limited amount of coverage for custom equipment. Depending on the custom equipment you put on your vehicle you may need to purchase additional coverage.

Take a safety course

Taking a safety course will teach you how to ride your vehicle and unload it from your truck or trailer properly without any harm to it. An added bonus is many insurance companies will offer you a discount for having completed a safety course.

Insure all of your off-road vehicles together

If you have more than one off-road vehicle you should insure them all on the same insurance policy when possible. This will help bring down the cost.

Stay on the road

If you like to haul your off-road vehicle on a trailer to different spots then make sure that your insurance policy includes reimbursement for lodging, transportation and meals should you become stranded due to a breakdown or accident. Our agents will go over all of this when you contact us.

A few additional things to consider is for off-road vehicles collision coverage is a must. It will pay out for any damage to your off-road vehicle, whether you collide with another vehicle or something like a tree or fence. Bodily inquiry and property damage liability components cover you against costs you will have to pay to other people if you or off-road vehicles are responsible for the damage. As well as, comprehensive coverage will protect you for the costs associated with the loss or damage of your vehicle if it’s stolen or damaged by weather or a natural disaster.

To learn more insurance for an off-road vehicle like an ATV, 4-wheeler, dirt bike, dune buggies, golf carts, off-road motorcycles or any other off-road vehicle, please contact us. We will help make sure to get you the coverage you need specialized to you.

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4 weeks ago · by · 0 comments

Insurance for Dog Groomers, Trainers and Daycares

Dog Groomer

Insurance for dog groomers, trainers and daycares

Every business needs insurance, but every business has its own unique needs. Dog groomers, trainers and daycares need commercial insurance. If a dog is injured on your watch, your business could face a lawsuit. This insurance will cover your business if a customer sues or a dog bites an employee.

Who needs dog grooming insurance?

  • Doggy daycares
  • Dog training businesses
  • Dog groomers
  • Pet care businesses
  • Mobile grooming companies
  • Pet grooming business
  • Pet kennels

What are the different types of insurance to consider?

  • General liability
  • Workers compensation
  • Business owners policy
  • Errors and omissions insurance

General liability insurance covers the basics such as accidental pet injury. This is best for pet injuries, customer injuries and damage to customer property.

Workers’ compensation insurance is required in every state for pet grooming businesses that have employees. This will help cover medical costs if an employee is injured on the job. This is best for employee medical expenses, misses wages and lawsuits over employee injuries.

Business owner’s policy insurance and general liability insurance will be under one plan. This is the most cost-effective type of commercial insurance for pet groomers. This is best for pet and or customer injuries and damaged business property.

Errors and omissions insurance is also referred to as professional liability insurance. It covers legal fees related to work performance such as a claim that a dog was injured during a routine nail clipping. Best for mistakes that led to pet injury, failure to deliver promised results, accusations of negligence.

How much does dog grooming insurance cost?

We know it can be stressful to run a small business. Having this insurance can give you a peace of mind and it doesn’t have to come with an expensive tag. Every business is different and the cost will vary, request a quote below and we will find the best rate for your business.

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1 month ago · by · 0 comments

Why Wedding Insurance is a Must

Wedding Insurance

Why Wedding Insurance is a Must

Professional Insurance Strategies helps couples protect their wedding day which can be a significant financial investment. In this blog we will explain the ins and outs of wedding insurance and why you should add it to your wedding budget today.

What is wedding insurance?

Wedding insurance protects a couple’s investment from circumstances beyond their control, and reimburses expenses incurred. It provides coverage for mishaps such as a venue closing, a vendor not showing up, extreme weather, damaged gifts, sickness, injury and more. Optional liability and liquor liability coverage is always available to protect your interest from unfortunate situations such as a fall or damage to property at the event. We provide wedding cancellation insurance and wedding liability insurance at all different levels so we can find you complete coverage at a reasonable price.

What does wedding insurance cover?

Cancellation or postponement Coverage: his will provide coverage for certain deposits listed in the policy in the event of a necessary cancellation or postponement of the wedding. Example: if the venue suddenly goes out of business or is inaccessible or there is a sudden illness preventing the honorees, parents, grandparents or children of the honorees from attending then this coverage can reimburse you for lost deposits. Disclosure: COVID-19 does not apply to this.

Photographer and/or Videographer Coverage: Wedding photographers and videographers can provide if your photographer’s film is defective, or negatives are lost or damaged.  For example: if your photographer fails to show up, or loses the negatives from your wedding, this coverage can reimburse you for the cost of reconvening your wedding party to take new photos or video.

Protection for Wedding Gifts: Event gifts can provide coverage if your gifts are damaged. For example: if your gifts are somehow damaged while on display at the reception, this coverage can reimburse you for repair or replacement cost. 

Special Attire Coverage: Special attire can provide coverage is a wedding gown, or tuxedo is lost or damaged. For example: if you are traveling to your destination for your wedding and the airline loses your attire, this coverage can reimburse you for the replacement of equal value.

Jewelry Coverage: Jewelry can provide coverage if an honoree’s wedding band is lost or damaged.  For example: if a member of the wedding party loses the ring(s) the night before the wedding, this coverage can reimburse you for the new rings

Coverage for Lost Deposits: Lost deposits can provide coverage if a vendor goes out of business, declares bankruptcy before your wedding or simply fails to show up. For example: if your band or your limo provider fails to show up, this coverage can reimburse your lost deposit.

Liability Insurance: Liability Insurance can provide coverage for liability for property damage and personal injuries to third parties at the location of your event. For example: if a guest slips and falls are your wedding, we can provide coverage for your liability.

Liquor Liability Coverage: This is optional wedding day coverage that can protect against on premises alcohol-related accidents that can result in your liability. Liquor liability coverage is available up to the liability limit on the policy. Liability coverage must be purchased to acquire this additional wedding coverage option.

How much do you have to spend?

We have all different levels of insurance coverage so we can find you complete coverage at a reasonable price. Expect to spend between $150 – 600 depending on what amount of coverage you want. We will shop pricing for you to make sure you are receiving the best price.

Do you really need wedding insurance?

Before buying wedding insurance, check with each of your vendors to see what type of insurance coverage they have. Oftentimes reception venues and carters may already have their own insurance which can be a benefit to you. They do have insurance, ask for a copy of their policy and then send it to us and we can figure out where you might need additional coverage.

If a venue doesn’t have its own insurance, liability insurance is a must and most likely will be required. You want to be covered just in case any accidents happen at your wedding especially if you have alcohol. Cancellation is always a good idea in general because you never know when the least expected will happen. Especially if you are planning a destination wedding.

How soon should I get wedding insurance?

The sooner the better. If you put a deposit on a reception venue 12 months prior to your wedding date and it burns down before the big day – with the insurance, you will be able to get your deposit back.

Things to consider

Every insurance policy and wedding is different. Here at Professional Insurance Strategies we will explain the ins and outs to you so you fully understand every detail of your policy.

Get a quote today or give us a call to discuss this further at 623-463-9000. We look forward to ensuring you can enjoy your big day with peace of mind. 

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1 month ago · by · 0 comments

Ways to Save on Car Insurance

Car Insurance

Any car that you own you must have insurance on it. We know you don’t want to spend a penny more than needed on a policy and you shouldn’t have to. By knowing what affects your auto insurance rates will help you figure out how to save on your car insurance and still get great coverage. We will explain below different ways to help lower your car insurance costs.

First things first, you want to shop around. Good thing is, here at Professional Insurance Strategies we have over 50 carriers that we can shop your insurance policies through to make sure you receive the best policy at the most affordable price.

Taking advantage of car insurance discounts is another way to save. Every insurance company offers different ways to lower your car insurance premium. Our team knows of all these discounts so make sure to ask about them when they provide you with a quote. Just because an insurer offers many discounts doesn’t mean it offers the lowest price.

One of our agents will go over that with you.

Traffic tickets and accidents will increase car insurance premiums. If you get a ticket and you are offered the opportunity to do a course to get it dismissed or reduce the number of points that go on your driving record, take full advantage of this. If points are added to your driving record, your premium will in fact increase.

Increasing your deductible can lower your premium but this can also end up costing you more in the long run if you are in an accident. The average policy carries a $500 deductible meaning you will only have to pay $500 out of pocket if you are in an accident before your insurance will start to cover. If you increase your deductible to $1,000, this may reduce your monthly premium by $10-15 per month. If you are not driving as much right now due to working from home, it might be worth looking into increasing your deductible.

Combining your insurance policies may give you discounts to customers who buy multiple policies. If you bundle your home or boat together you may end up getting a lower rate for each. Our agents here at Professional Insurance Strategies will go over what companies offer these benefits and find you the best possible deal out there.

The more expensive your car is the more expensive the insurance on it will be. Insurance companies have different rating classes depending on the type of car that you drive. Those ratings classes will significantly impact how much you pay in auto insurance. Reasonably priced SUV’s and minivans are going to be the cheapest vehicles to insure compared to sports cars that will cost you a lot in monthly premiums. Keep this in mind when you are car shopping.

Our trusted agents here at Professional Insurance Strategies can help educate you on ways to save on your auto insurance. Call or email us today for a complimentary quote!

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2 months ago · by · 0 comments

Tips for Saving on General Contractors Insurance for Small Businesses

General Contractor

Everyone can use some tips for saving on their general contractor insurance for a small business. If you are insured with general contractors insurance, it is very likely that you are spending too much on your premiums. Construction projects carry a more diverse range of risks compared to other industries but there is more reason why you are over spending more than you should.

The Small Business Administration says that construction business is more likely to be responsible for general contractor insurance in addition to property and vehicle insurance for each site and job. A great way to save money on all these required policies is to bundle them. Contact us today and we will look into bundling your general contractor’s insurance with other types of insurance you need for small business.

Theft can be a huge problem on construction sites and when materials and/or equipment get stolen, you have a lot of extra work usually in short notice. At this point, you may have harmed your relationship with your client because now the job is held up longer. On top of having to replace the materials that were stolen. When this happens, your insurance premiums will have a large chance of increasing.

In the construction industry it is very common for job sites to follow poor theft-preventative measures. We are seeing that if you take a few measures to prove you are of lesser risk than most of the insurance carries clients then they will offer you a better insurance rate. If your rate doesn’t decrease, you at least cut the chances of your construction site becoming a victim of theft.

     – Have different keys for each piece of equipment
     – Have a strict lockdown protocol for your team to follow
     – Ensure that all construction buildings are locked at all times
     – You could add a sturdy fence to your job site to maintain limited access points for others to walk or drive into
     – Keep records of all items that come and go on the job site

You can also improve and update your safety requirements on your job sites which you can save hundreds of dollars on your general contractor insurance. Improving your safety requirements will save you on having medical costs since your employees will be less likely to have a bodily injury.

Requiring modern and updated scaffolding for all your contractors on your job site will help improve safety. Make safety your top priority and this will help you save on your general contractor’s insurance premiums. Contact us today to become insured and we will make sure you are not over spending more than you should be for your contractors insurance.

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2 months ago · by · 0 comments

Ways to Save on Home Insurance in Arizona

Home Insurance in Phoenix

Everyone wants to save money when they can. Professional Insurance Strategies in Arizona will help find ways to save on home insurance in Arizona. The number one way you can save on home insurance is by bundling. This doesn’t only save you money but it provides you with more convenience of only working with one insurance carrier. Below is a closer look at bundling. We will explain why this makes sense for you.

What is bundling?

First and foremost, what is bundling? Bundling insurance is when you buy multiple types of insurance policies — like your car, home, motorcycle, boat or recreational toys — from the same insurance provider. This can be an effective way to get insurance discounts. Insurers typically offer price savings when you buy multiple policies from them.

Advantages to bundling insurance

There are a number of advantages to bundling your home insurance with other insurance policies. Many of our carriers offer discounts up to 15% on your home insurance premiums compared to if you were to buy policies individually from different companies. As you can see, bundling multiple policies under one insurer can save you money.

There are multiple benefits to bundling your homeowners insurance with other insurance policies, the benefits go beyond the financial aspect of it.

Get more for your money. When you buy multiple policies from one insurer, there will be cost savings and can translate to the opportunity to add more coverage than what you had before. You can make your money go farther because you can take the money you save from purchasing multiple policies towards policies that you might not have.

When you bundle your insurance with one insurer, you only have to manage your policies through one agent rather than multiple if you use multiple companies. Billing is easier because you make your payments at one time. Also, when it comes to filing a claim, you can work directly with someone on our team who understands your coverage information fully

How we can help

Here at Professional Insurance Strategies we want our customers to have peace of mind. Nobody expects an accident to happen but when it does you want to get back to life as fast as possible. You will find that when you have bundled your insurance, it doesn’t only make your life easier but also your insurance agents. You will have one point of contact that will manage your situation and ensure forms and documents are handled smoothly. We are committed to the best customer service. Contact us today and we will look to find you the best insurance bundle deal out there!

 

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2 months ago · by · 0 comments

Ins and Outs of RV Insurance

RV Insurance in Arizona
Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind and that is why insurance is a must. Before considering purchasing an RV make sure you look at insurance options. Some people are surprised how expensive RV insurance is compared to a car. Adding an RV to your existing car insurance policy may be an option but for better financial protection consider RV specific insurance.

What does basic RV insurance cover?

Basic RV insurance policies may include slightly different coverage types depending on what insurer you go with, but our team will make sure you know exactly what is covered on your policy.

You can expect the following to be required in your quote:
Collision and comprehensive coverage: Just like car insurance collision coverage helps pay for repairs to your RV if you cause a crash or you run into a tree or street sign.

Comprehensive covers a variety of things such as theft of your RV, vandalism, animal collision, falling objects and more. Just like your car insurance collision and comprehensive coverage will come with a deductible which one of our agents will go over with you.

Uninsured/underinsured motorist coverage: This will cover you if you and your passengers injury treatment if you are hit by a driver who doesn’t have insurance or has insurance but not enough to cover your bills.

Liability insurance: To legally operate your RV, you will need at least the same amount of liability coverage that your state requires for car insurance. One of our agents will inform you of your state requirements. If you cause a crash, liability insurance covers those injured and the property damage costs.

Medical payment coverage: If you crash your RV, this coverage pays for injury treatment for you and your passengers, no matter who is at fault.

What are other RV insurance options?

Other RV insurance options can not be added through your car insurance policy. If are looking to add additional coverage, ask your agent about RV insurance.

Full replacement cost: If you choose this for your RV insurance, if your RV is stolen or totaled, you will get back what you paid for the RV.

Vacation liability coverage: When your RV is at a campsite or in a park, it is considered a temporary vacation residence.

Personal property and attachments coverage: RV’s are loaded with items and attachments that a traditional auto policy will not won’t cover, such as camping supplies, furniture, cooking appliances, awning and much more. If any of it is stolen or damaged you need separate RV insurance to repair or replace it.

Roadside assistance: RV insurance can provide coverage for towing and servicing RV’s.

Travel expenses coverage: If you are in an accident or your RV breaks down, this coverage will help pay for lodging and transportation while the vehicle is fixed. There are some restrictions on this depending on your insurer and our agent will be sure to inform ahead of time.

Full-time RV coverage: If your RV is your primary residence, you need this type of insurance. This can provide high-limit personal liability insurance similar to what you would find in a home insurance policy, medical payments for injured visitors and coverage for belongings to keep in storage while you are on the road. There are many different options for you if you are using your RV as a full time residence and our agents will make sure you have the best coverage at the most affordable cost.It

What is not included RV insurance

Depending on the insurer you choose, your trailer, campers and other non-motorized units might not fall under RV insurance. They would need their own policies, which we will explain to you in greater detail.

We have found that most RV insurance carriers in the US will not cover you in Mexico, so if you are planning to head south of the border, make sure to give us a call so we can connect you with an insurance carrier in Mexico. Typically you are covered in Canada but make sure to double check with us prior to traveling north of the border.

Who needs RV insurance?

If your RV is your primary residence, RV insurance is a must. If you use your RV sporadically for vacations and road trips, you will need at the very least liability insurance. If you have an RV loan, your lender most likely will require insurance.

Many people ask for a guesstimate of what their insurance rate will be but RV’s are hard to estimate given all the ways you can customize the insurance options. Contact us today and we will explain the ins and outs of RV insurance in further detail and find you the best insurance options for your unique situation. We will ensure that you have the best coverage at the best price.

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4 months ago · by · 0 comments

Finding the Right Arizona Insurance Agency for You

Finding the right Arizona Insurance Agency

Every driver needs automobile insurance and finding the right Arizona Insurance agency for you is important. Auto insurance is one of those fixed costs that go along with the privilege of driving a car and having the right agent is important. Should an accident occur, automobile insurance helps all parties involved. In fact, drivers are required to show proof of financial responsibility when registering a vehicle and at any law enforcement officer’s request at the scene of an accident or at a traffic stop – that proof of financial responsibility is none other than your insurance policy. Hefty penalties can apply if a driver can’t produce this proof.

You need it – that is understood. But that does not mean you have to pay exorbitant prices for automobile insurance.

The Arizona independent automobile insurance industry is booming. With so many options to choose from, consumers have many venues to compare. Some people routinely rely upon larger corporations for the insurance needs, justifying the higher premiums and fees based on industry experience. But you do not have to pay higher fees to get a package that is suitable to your needs.

Arizona independent automobile insurance practitioners offer the ability to craft your insurance package to suit your individual needs, giving you more than the pre-packaged plans that most traditional insurers offer. Due diligence is required during this search, as is the case with every product you buy, but rarely are there so many options.

Here are some things to look for when choosing to go with an Arizona independent automobile insurance practitioner:

Know What’s Required of the State

It is important that you know what is required by law when looking for auto insurance. State coverage mandates are different, so do your research to determine what amount Arizona is required to insure you for in an accident where you have been deemed at fault.

Know Where You Stand

Do you have insurance and want a lower rate? Are you currently uninsured? Do you have multiple traffic violations on your record? These are questions you should know the answers to when looking for an automobile insurer. Many Arizona independent automobile insurance plans can suit your needs… you just must know what those needs are.

Know What You Want

There are several coverage types to choose from, including Full, Collision, and Medical Payments Coverage. While Liability coverage is mandatory in Arizona, there are other options that can be added to that base plan to suit your needs. Understand your needs and budget when entering a discussion with an agent.
Researching companies to find the right fit for you may seem daunting, but it does not have to be. Invest the time and avoid paying for something you don’t need or not getting the coverage you want because it isn’t available outside of the package that traditional insurers offer.

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4 months ago · by · 0 comments

How can an Insurance Agent Help you?

How can an insurance agent help you

The auto insurance industry is overly complicated. It means a lot of research, analysis evaluation, and a lot of meeting and negotiating need, if you want to get the most suitable and best auto insurance for you.

Today there are so many ways to get auto insurance immediately.

  1. With the Internet facility or through online
  2. You can even go direct to insurance companies to get your policy
  3. Through Insurance agents. (There are still auto insurance agents around and there is still value in getting one.)

If you are someone who likes the personal touch, familiar with your area, an agent is the way to go. There is a lot to be said for talking to the same person about your auto policy. He or she can be available to offer options, answer questions, and advice to you. An auto insurance agent should also know your local area well so he or she may have more industry information relevant to a more suitable and less expensive auto insurance policy.

Now what can you expect from your agent:

 

 

  1. Total policy information
  2. Premium reduction
  3. New policy process
  4. Yearly premium collection and renew your policy
  5. After any accident process your claim.

 

 

 

Professional Insurance Strategies is a perfect example for that. Professional Insurance Strategies have a trained staff that will provide the highest quality customer service as well as offer solutions for the limousine insurance needs of our clients. As an independent insurance agency, they have access to most of the major insurance companies writing insurance for the transportation industry. They are constantly developing new programs and services to provide better protection for our clients. They specialize in limo insurance, taxi insurance, and many other transportation type risks. They offer (livery) limo insurance in Arizona, Nevada, and New Mexico. They also write taxi insurance in Arizona, Nevada, and New Mexico.

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4 months ago · by · 0 comments

Liability Insurance for Construction in Arizona

Construction Owner

Who Should Have Liability Insurance?

Anyone involved with residential or commercial building projects should protect themselves financially with adequate insurance coverage from a quality company with knowledgeable agents. Liability insurance for construction in Arizona is necessary for people working in different careers, including

  • Architects
  • Electricians
  • Plumbers
  • Forklift Drivers
  • Carpenter

Individuals who construct bridges, buildings or highways should never assume that they have sufficient insurance coverage from an employer. In most cases, liability insurance for construction in Arizona is the responsibility of each contractor. Failure to protect your business and personal assets from lawsuits concerning charges of negligence can lead to financial ruin for professionals.

What is the purpose of Liability Insurance?

Liability insurance for construction in Arizona has several purposes such as preventing a loss of a business due to a lawsuit. In addition, in many geographic locations failure to have the proper types of insurance coverage can lead to fines for contractors. This is because many contractors hire employees who need financial protection if an injury occurs while on-the-job. At the same time, someone passing by a construction project can incur an injury, leading to a lawsuit for damages to pay for medical bills and lost wages. A lawsuit for injuries can happen because of negligence due to using equipment the wrong way or making an error during the construction process.

How much Liability Insurance does someone need?

The amount of liability insurance needed for construction in Arizona varies for each contractor depending on several factors such as the size and cost of the project. Important things to consider are how many employers are working on a project, leading to more chances of someone incurring an injury. While an architect typically spends less time on-site at a building they have designed, they are still culpable for damages in many cases. Liability lawsuits against architects can occur when they made a mistake in a blueprint that leads to an injury of a construction worker or a building’s occupant. Lawsuits against a contractor are possible while a project is in the process of being built or several years later due to an injury. A knowledgeable insurance agent is the best person to analyze the amount of liability insurance for construction in Arizona that you need.

Where Can a Contractor Get Insurance Coverage?

There are numerous insurance companies that provide specialized liability insurance for construction in Arizona. An agent will carefully consider the risks involved by the contractor’s type of work to determine the best plan. A contractor with employees working at high levels such as roofs must pay more for a policy than an architect. Having financial coverage of millions of dollars is quite common, but the cost of a policy is divided with monthly installments over an entire year. An insurance carrier will customize a policy to include the coverage required by a region or occupation. Policies can include coverage for fire, smoke, or water damage in addition to paying for medical bills.

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4 months ago · by · 0 comments

Arizona General Contractor Required Liability Insurance

General Contractor

All the safety measures in the world won’t negate the need for Arizona general contractor required liability insurance. 

By the very nature of their work, a contractor cannot function without protection. It not only shields the company in the unfortunate event of an accident or other unforeseen circumstance, it helps employees, clients and customers feel safer working with you. They appreciate the idea that in case of property damage or injury, you are prepared.

Safeguarding Your Business with Arizona General
Contractor Required Liability Insurance

A contractor’s site can have any number of electricians, plumbers, carpenters and other professionals. There can be heavy equipment, power tools, complex construction structures and materials, as well as any number of pedestrians who may not adhere to safety measures. Accidents occur, regardless of what we do to prevent them. A slip and fall, faulty equipment, fallen debris, all potential hazards no matter how conscientious the contractor and his operators are.
Arizona general contractor required liability insurance is the best way to protect the business’ future. Without it, many a business owner has seen not just financial ruin, but their future prospects hindered by the damage to their reputation.

Types of Arizona General Contractor Required Liability Insurance

Proper insurance minimizes risk. But not having the right type can hurt. General liability covers a range of claims. A major one is accusations of negligence on the part of the company or a staff member. It is not uncommon. A piece of equipment hits a parked automobile. Someone falls on-site because an employee stretched a cord across a path. General liability coverage defends the company against accusations, the suit, and any costs agreed upon or implemented by the court.
Builder’s risk insurance- covers any contractor’s loss. Contractors enter projects that may become victim of natural disaster, fires, vandalism and more. Though no fault of their own, this loss can fall on the general contractor’s shoulders. Builder’s risk insurance covers this possibility.
There is also a unique package for covering any equipment and material on-site. This is not uncommon as relocating certain tools and heavy equipment can be counterproductive. The Contractor’s Tool Floater-protects equipment when it’s not at the primary address in case of theft, fire or another unforeseen incident.

Arizona general contractor required liability insurance is engineered to respond when unexpected occurrences threaten a contractor’s operations and reputation. The expense will more than cover the impact a catastrophic effect can have on the company.

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4 months ago · by · 0 comments

Arizona Assigned Risk Pool

Risk

Providing adequate coverage to your employees for workers’ compensation may be a requirement, but it is a requirement that is unfortunately difficult for some businesses to comply with. You do have the option of purchasing your coverage through a voluntary insurance company, and this may provide you with the ability to have better control over the costs, coverage and even level of service that you receive. However, some businesses will not qualify for this type of coverage, and they may need to obtain coverage through the Arizona assigned risk pool.

What May Dictate the Need to Be in the Pool:

If you are having trouble obtaining workers’ compensation coverage on your own through a voluntary insurance company, you may indeed need to be in the Arizona assigned risk pool. There are several reasons why you may not be able to obtain insurance on your own. For example, if your company participates in hazardous activities, some voluntary insurance companies may not insure you. When you are denied coverage or are unable to find coverage that is required by law, essentially the state will find it for you. When you are in the assigned risk pool, an insurer will be assigned to provide you with the required coverage.

What to Expect From This Coverage:

While the state may do its part to help you find coverage when you are unable to do so, it is important to note that this is rarely the best option for you. The Arizona assigned risk pool is generally not the most cost-effective solution for businesses. You will first need to apply for coverage by filling out paperwork and submitting it to the state. Then, you will receive notice of the insurance provider who has been assigned to provide you with coverage. The cost is not negotiable, and you will be required to have the coverage in place until you find a voluntary insurance provider who is willing to give you a private policy.
Failing to comply with the state’s requirements to provide workers’ compensation for your employees is simply not an option, but there are instances when coverage is not able to be found. Through the Arizona assigned risk pool, even businesses that cannot obtain coverage on their own will be able to provide their employees with the required coverage. You can learn more about the Arizona assigned risk pool if you are having trouble finding a provider to approve you for a voluntary policy.

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4 months ago · by · 0 comments

Arizona Assigned Risk Trucker Pool

Truck Driver

Employers are required to obtain certain types of coverage for their employees, and self-employed individuals may also be subject to similar requirements. If your business has any work vehicles that you or your employees use, you will be required to obtain automotive coverage with limits established by the state. In some cases, the individual driver, or the entire group of drivers in the business will not qualify for coverage. In a business environment, this is often since the business participates in a high-risk activity. For example, drivers may be placed in the Arizona assigned risk trucker pool when the company hauls hazardous materials. The drivers may also be placed in the pool when they have too many moving violations or accidents.

What is the Trucker Pool?

When truckers are not able to obtain private coverage, they are placed in the Arizona assigned risk trucker pool. Essentially, the state will assign a provider to provide insurance to these drivers so that they meet the requirements for coverage. It should be noted that the rates offered through the pool are generally higher than those that would be available through private insurance. Because of this, many self-employed individuals who have been assigned to this pool as well as many business owners with employees in this pool are trying to find a way to get out of the pool and to find coverage with a private insurer.

How to Overcome the Challenges

Before you can learn how you can get out of the Arizona assigned risk trucker pool, you must determine why you or your employees have been placed in this pool. If the challenge relates to the type of activity that your business does, it may not be possible to find private insurance coverage unless you adjust your business activities. If placement into the pool relates to the driving records of the individuals, steps should be taken to improve their driving history. Moving violations, accidents and other blemishes on a driving record will be removed over time, so the driver simply must drive more safely and to avoid any violations or accidents. As the driver’s record improves, he or she may qualify for private insurance.
The Arizona assigned risk trucker pool is beneficial because it provides those who are unable to obtain required coverage on their own with a means to do so. However, it is more expensive than private insurance. Therefore, those who have been placed in the pool may consider learning more about what steps they will need to take to get out of the pool and to save money on their required coverage.

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4 months ago · by · 0 comments

Insurance for Contractors in Phoenix, Arizona

Contractors

Almost everyone nowadays has some type of insurance, and this is especially true for businesses. Insurance helps business owners protect themselves in the event of negative occurrences, and when it comes to independent contractors and insurance, being covered is just as important. Not only should contractors consider investing in insurance for their own protection, but many employers will not even accept bids for jobs unless they know that the contractors and insurance companies have something worked out.

General Liability Coverage

General liability coverage provides contractors with coverage if something goes wrong on the job. On-the-job injuries and equipment breakage are examples of the types of instances covered under general liability coverage insurance policies. This type of liability coverage covers not only the contractor, but the hiring entity as well.

Commercial Auto Coverage

Contractors and insurance companies can also work together to come up with a comprehensive commercial auto coverage package for contractors who have commercial vehicles as part of their business services. This type of coverage protects both the contractor and the client if an accident occurs while the contractor is driving as part of the assigned job being completed for the hiring entity. For instance, if the contractor gets involved in an auto accident on his or her way to pick up supplies for the job being completed for the hiring entity, then the commercial auto coverage will take care of the costs of the accident rather than the contractor or client being held liable.

Workers Compensation Insurance

Workers compensation insurance provides business owners with protection if one of their subcontractors gets hurt while on the job. This is one of the most essential types of insurance for contractors to make sure that they invest in since it provides them with a safety net if someone becomes injured while on the job. Without workers compensation insurance, contractors could find themselves subject to lawsuits that could end up crippling or even demolishing their businesses.

Performance Bonds

Another type of insurance that contractors can invest in is a performance bond. Performance bonds guarantee that a contractor’s work will be completed satisfactorily. If the job is not completed according to the set standards, then the bond is released for completing or repairing the project. 

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4 months ago · by · 0 comments

Arizona Workers Comp Assigned Risk Pool

Workers Compensation

Many businesses in Arizona are required to provide workers’ compensation coverage to their employees per the law. This is coverage that may pay for medical expenses, time away from the job and more in the event of an injury accident or another similar event on the job. While most businesses will be able to provide their employees with the coverage that is required by law, others will not qualify for coverage through a typical plan due to a number of potential reasons, and they may be placed in an Arizona workers comp assigned risk pool.

What Is the Assigned Risk Pool?

If your business is unable to qualify for a private workers compensation insurance plan and you are unable to provide the required coverage for your employees, you will be placed in an Arizona workers comp assigned risk pool. This essentially means that you will be required to pay for the coverage offered to the pool rather than get more competitive rates and better plan options by shopping around. Generally, the rates offered to the assigned risk pool are less attractive, but this does give you the ability to comply with the legal requirement for coverage.

What Are Your Options in the Assigned Risk Pool?

When your business is placed in the assigned risk pool, this may be because your business participates in a high-risk activity or for another reason. There is always the option to identify why your business has been denied coverage through other insurers, and you may consider ways that you can improve the situation so that you do qualify for coverage. When you qualify for coverage through other insurers, you can get out of the assigned risk pool, and you will have the opportunity to take advantage of better plans and more competitive rates. Some, however, will need to remain in the assigned risk pool due to the on-going nature of risky work activities.

Workers’ compensation can be a costly expense for all businesses, but it is required by law for many. When you are required by law to obtain this type of coverage but are unable to find the coverage you need, you can get coverage through the Arizona workers comp assigned risk pool. Whether you use this is a temporary or permanent solution to meet this legal requirement, you will be pleased to know that this coverage is available to help you comply with the law.

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4 months ago · by · 0 comments

High Net Worth Insurance, Arizona

High Net Worth Investments

While people who have achieved a high level of income can rest assured that their basic needs (and more) are well covered, great wealth also brings with it other concerns that must be addressed. One of the concerns of the wealthy (besides concerns about the volatility of the stock market) is whether they have the right level of insurance to protect their property. For individuals in Arizona, those concerns go to the specifics of the kind of insurance that can be obtained. For high net worth individuals looking for insurance in AZ, there are several issues that must be entertained.

Types of Insurance Available for Wealthier Clients

Arizona has a high number of citizens who have a higher net worth. Many individuals with high net worth and property holdings choose Arizona as a place to retire, as the state has a welcoming feel for these types of people. What this means for insurers in Arizona, however, is that their client’s needs should be addressed, as far as asset management goes.

Life Insurance

High net worth individuals looking for insurance in AZ should consider having a financial planner review their life insurance policy, to ensure that it meets all their family’s current needs. As life and one’s net worth change, it’s important to assess a policy so that it can be counted on to protect one’s family, one’s lifestyle and one’s assets. A solid policy can also help to offset payments on estate taxes, which may be a serious issue for high net worth individuals looking for insurance in AZ. An individualized approach to putting together the right coverage for a wealthy family is the best bet, and this can only be done with guidance from an insurance agent who specializes in financial management.

Priorities to Consider for Higher Wealth Individuals

Many wealthy individuals in Arizona and elsewhere are putting more and more of their money into tangible assets, like jewelry, art, and collectible pieces, as these items can hold their value even as the financial markets become volatile. The issue in having wealth in these kinds of assets, however, is that they must be documented and protected with the right types of insurance for the owner to capitalize on their value.

For high net worth individuals looking for insurance in AZ, again, finding an insurer with experience in wealth management and in protecting tangible assets is a smart idea. A good insurer will know that to protect a tangible asset, its value and authenticity must be documented by a reputable appraiser. These assets must be appraised on an ongoing basis, too, as markets change. This type of documentation will also protect a wealthy owner from fraud and from unforeseen taxes as pieces are handed down through generations.
Having great wealth in Arizona does bring with it certain responsibilities. What really matters, ultimately, is that high net worth individuals looking for insurance in AZ take the time to do solid research and find the right insurance experts to guide them into plans that will protect their assets for themselves and for their families.

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4 months ago · by · 0 comments

Municipality and County Insurance, Arizona

Municipality and County Insurance

As society changes, municipalities and counties within the United States face new challenges each day. This is particularly true in Arizona, where many towns and cities find themselves with increasing populations and an ever-changing socioeconomic picture. Just like individuals, towns and cities in the state need to have various forms of insurance protection in the event something happens, and a claim is filed against them. Whether it is Flagstaff, Show Low, Alpine, Prescott, or many other locations in the state, there are many kinds of insurance for municipalities in Arizona.

Law Enforcement Liability

Police departments are some of the most important parts of local government and are also vulnerable to a variety of situations where insurance protection may be necessary. Law enforcement liability insurance gives police department’s protection in the event a claim is filed against them regarding their actions during the line of duty and helps to protect the town or city against litigation.

Workers Compensation

One of the most important types of insurance for municipalities in Arizona, workers compensation allows employees who are injured on the job to be compensated for their injuries, while also helping pay for medical treatment and other related expenses. While helping injured employees, it also benefits the town or city by helping to limit the amount of damages they are obligated to pay out for an injury sustained on the job.

Employment Practices Liability

When an employee claims they were treated unfairly on the job, employment practices liability insurance can help protect a city or town if litigation is brought against it by the employee. This type of insurance for municipalities in Arizona can provide funds in the event an employee successfully shows unfair employment practices were committed against them while employed by a city or town such as Payson, Jerome, Wickenburg, or others within the state.

Equipment Breakdown

Towns and cities have millions of dollars invested in equipment used to repair streets, build, and maintain facilities, and fix other problems that may happen over the course of their work. Equipment breakdown insurance can help protect the investments made in this equipment, giving the localities protection in the event the machinery breaks down and needs costly repairs or must be replaced.
While insurance is something that few people ever want to use, having it can bring tremendous peace of mind. This applies not only to individuals, but towns and cities as well. Through these various types of insurance for municipalities in Arizona, the necessary safeguards can be in place if they are ever needed.

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4 months ago · by · 0 comments

Wrap Up Insurance, Arizona, Nevada and New Mexico

Wrap Up insurance

Wrap Up and owner-controlled insurance policies are provided by an insurance company through an owner or developer. That policy covers the contractors working on a construction site under one policy.

The Benefits of Having Contractors Under One Policy

Many contractors working on buildings like townhouses, subdivisions and multi-family residences don’t have their own insurance coverage. This can leave the developer with a serious liability for injuries incurred on the job. With one policy to cover everyone on the job site, it reduces the litigation in case a claim is filed by a worker or by the future owner of the property over the construction.

Control of the Coverage Details for Workers

When one insurance company covers all the workers, there is never a problem with policy exclusions or canceled coverage. The developer has the control over the type of coverage provided to all his workers on the job site. When each contractor has their own coverage, there is the potential for issues regarding the limits of the coverage provided. Claims are handled more efficiently with one insurance plan covering the entire work site.

Basic Insurance Coverage:

  • General Liability
  • Umbrella Liability
  • Builder’s Risk
  • Workers Compensation
  • Commercial Vehicles
  • Property Damage

Safety Programs for All Workers

A primary feature of the Wrap Up Program is one enforceable safety program that will ensure that all workers follow a certain protocol to avoid accidents and damages. All contractors might not have their own safety programs, which can result in injuries. A safe workplace where everyone follows safety procedures results in a construction that is finished on time without injury and delays.

Contractors Who are Eligible

When developers use Wrap Up and owner-controlled insurance policies, they expect that contractors will bid on the job without the costs of insurance included. They will be charged for the insurance used by the developer, but the contractor’s insurance can cover the operations outside of the Wrap Up coverage.

Add-On Coverage:

  • Pollution Liability
  • Contractors Professional Liability
  • Railroad Protective Liability
  • Builder’s Risk
  • Installation and Contractor’s Equipment Floater

Wrap up and owner-controlled insurance policies protect everyone working on the construction site. They are a great way to ensure that everyone has the same protection too. If there is ever a claim made against the workers, it can be handled with one policy, and there’s no finger pointing or delayed action.

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4 months ago · by · 0 comments

Cost of Contractors Liability Insurance Phoenix Az

Contractors Liability Insurance

The cost of contractor’s liability insurance Phoenix AZ will be determined by a range of factors, but it is critical for every company and project to have proper and quality protection. Having such not only safeguards you financially, but it also earns your business top quality talent and clients that appreciate the safety and comfort
liability insurance provides.

What Contractor Needs Liability Insurance?

You all do. As a contractor, the cost of contractor’s liability insurance Phoenix Arizona will prepare you for the worst. There are contractors that work directly with government agencies or specific businesses. Their employers may be responsible for liability insurance. Most contractors, though, contract their services to third parties. Whether these are businesses or individuals, these contractors are required to have sufficient insurance to operate.

It does not matter if your business is general, artisan or subcontractor, an accident can ruin your reputation and, in many cases, destroy the business. There are specific policies for the mason, electrician, plumber, roofer, framer, or tiler. The cost of contractor’s liability insurance Phoenix AZ will be impacted by the types of equipment and machinery on site, type of project, number of employees and location. There can be discounts or other incentives if safety standards and precautions are in place, and if employees have been trained, but there is no getting around adequate coverage.
The smart contractor wants liability insurance.

What is the Cost of Contractors Liability Insurance Phoenix Arizona?

Regardless of the cost of liability insurance, the moment you find yourself needing it, the policy becomes invaluable. Consider the repercussions if you did not have coverage. An accident that is not your fault could have a dynamic impact on your business. Imagine a distracted driver watching your crane and absently hitting one of your employees. An electrician falls off a scaffold and is seriously injured. Your machinery creates unintentional damage to someone’s residence. Without coverage, you end up carrying all expenses related to the incident. You could land on the defendant’s side of a legal dispute. Word gets out your business is in trouble, making it difficult to get new projects and clients.

Those are the costs to consider.

If you’re looking at the cost of contractor’s liability insurance Phoenix AZ, do not look solely at dollars coming out of your budget. Look at what you need to safely manage your operations, protect anyone and everyone who could potentially be hurt and how you want your reputation to be viewed.

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4 months ago · by · 0 comments

Assisted Living Center Insurance, Arizona, New Mexico, Nevada, Texas, CA

Assisted Living Center Liability Insurance

Running an assisted living facility. One of the many challenges that comes along with running an assisted living facility is making sure that you have the proper insurance. There are several types of insurance that you will need to get.

Insurance for Assisted Living Centers

General Liability Insurance

This is one of the most important types of insurance for assisted living centers. This type of insurance protects you and your business if someone suffers bodily injury while they are at your assisted living facility. The person’s claim and medical expenses can be covered by your general liability insurance policy. This form of insurance can also cover claims that are related to slander and defamation of character.

Professional Liability Insurance

Professional liability insurance is also referred to as errors and omissions insurance. This form of insurance covers you if you or one of your staff members makes a mistake and unintentionally harms a client while providing them services. Negligence and defense costs are covered by professional liability insurance.

Workers Compensation Insurance

Workers compensation is another important type of insurance for assisted living centers. One of the key responsibilities that you have is making sure that you provide a safe working environment for your employees. However, even if you work hard to provide a safe working environment, things still can go wrong. That is why workers compensation is essential.
If one of your employees is out of work due to an injury that is sustained on the job, then workers compensation can cover the lost wages. It also covers medical treatments and services that focus on helping the employee return to work.

Commercial Auto Insurance

Commercial auto insurance covers your facility’s vehicles. This type of insurance is important because company vehicles are not covered by your own insurance policy. Commercial auto insurance helps protect your company’s assets if someone gets into an accident while driving a company vehicle. If you have collision insurance, then the cost of repairing the vehicle will also be covered by the policy. Comprehensive insurance covers a vehicle if it was damaged by something other than an accident, such as theft, falling debris and vandalism.

Property Insurance

Property insurance covers the building itself. Fires, storm damage and water damage are examples of some of the damages that can be covered by property insurance. Not only does property insurance cover the building, but it can also cover the furniture and other items in the building.

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4 months ago · by · 0 comments

Assisted Living Facility Insurance

Assisted Living Facility Insurance

This type of insurance is essential for all assisted living facilities. However, the nature of the coverage you will need is dependent upon a variety of factors. The following are just a few of them.

Liability coverage for your facility

This forms the bedrock of your insurance needs. Although you will need general liability coverage as any other business would, there are also insurance needs that are more specific to an assisted living facility. Professional liability is at the top of the list of importance. All the staff that provides care to your tenants is open to a potential lawsuit, and therefore, your facility is vulnerable. This includes claims of abuse by the staff. The exact amount of coverage required will be dependent upon the size of your facility as well as any legal requirements for Assisted Living Facility Insurance in Arizona, New Mexico, Nevada or any other state you operate in.

Property damage for your facility

This type of coverage is to protect your facility in case of fire or other types of damage from such things as weather. Many companies will extend the coverage to include damage from earthquakes. In this sense, it is the same type of policy as any other business would have for their building, but there are a couple of things you need to add for an assisted living facility. You will need insurance for relocation of your tenants in case of major damage to the property. You will also want coverage for damage to prescription medication that is refrigerated but spoils due to a loss of electricity.

Custom coverage for your facility

Although there are common attributes to most facilities, there are also likely special liability needs you have, so an agent should analyze your facility to determine what, if any, they are. A risk management assessment can be done to help reduce your liability, and the amount of coverage you require. This can include recommendations for the installation of safety features for your tenants and updating staff procedures to reduce the chances of accidents.
Ultimately, finding Assisted Living Facility Insurance in Arizona, New Mexico, Nevada or other areas of the country can be complex, so you should always consult with an agent to make sure you are getting all of the coverage your facility needs. In addition, if you have more than one facility and they are located in two or more states, you should seek the expertise of an agent who specializes in Assisted Living Facility Insurance in Arizona, New Mexico, Nevada and other states.

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4 months ago · by · 0 comments

Home Health Care Agency Insurance in Arizona, Nevada, New Mexico, and California

Home health care

As the United States population ages in the years ahead, the need for home health care will continue to rise. Because of this, more and more people are looking to open home health care agencies to help those who will need help while staying at home. However, before opening a home health care agency, it is important to know the various types of home health care insurance coverage in Arizona, Nevada, New Mexico, and California.

General Liability Insurance

To ensure you and your employees are covered in the event a claim is made against your agency, general liability insurance is a must-have. In many cases, states will have a minimum amount of coverage an agency must carry, so be sure to check with an insurance agent who specializes in home health care insurance coverage in Arizona, Nevada, New Mexico, and California. For most standard policies, an adequate amount of coverage is $1 million.

Automobile Coverage

Since you and your employees will be traveling to your client’s homes on a regular basis, it’s a good idea to have automobile coverage that will protect you and your employees in the event of an accident or when transporting a patient to and from a doctor’s office. In most policies where various types of coverage are packaged, both non-owned and hired car liability coverage can be included.

Employee Dishonesty Coverage

Since employees of your home health care agency will be inside a client’s home, there is always the possibility that they will be accused of stealing money or other items from the client’s home. If this happens, having employee dishonesty coverage as part of your home health care insurance coverage in Arizona, Nevada, New Mexico and California can be extremely important in protecting your agency from a significant claim that may be filed by a client.

Abuse and Molestation Coverage

Unfortunately, there may be an occasion where serious accusations of abuse or molestation may be leveled against one of your employees. These can be extremely serious allegations and could ultimately result in the closing of your business. However, by having abuse and molestation coverage as part of your overall general liability insurance, your business will be able to survive these serious incidents.
By taking all the above-mentioned types of insurance coverage into consideration prior to starting your home health care agency, you and your employees can be assured of having the protection you need.

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4 months ago · by · 0 comments

Amazon Logistics Commercial Insurance Requirements

Logistic commercial insurance

When it comes to logistics companies, there is no company today that can compete with Amazon. A company that is becoming more and more of a one-stop shopping center for almost anything imaginable, the company is doing much to increase and improve its logistics capabilities. Because of this, many companies are looking to join forces with Amazon regarding delivery services. However, to do so they’ll need to meet certain commercial insurance requirements. When it comes to Amazon logistics commercial insurance requirements Arizona companies as well as those in California, Nevada, and New Mexico must meet certain requirements and guidelines.

Commercial General Liability

To do business with Amazon, a company must be fully licensed and carry a minimum of $1,000,000 worth of commercial general liability insurance. By meeting this requirement, companies in California, Nevada, and New Mexico can partner with Amazon. Along with this, when it comes to Amazon logistics commercial insurance requirements Arizona companies also need to demonstrate they meet insurance requirements by providing documents that show driver safety policies, procedures, and training.

Business Automotive Liability

Just like the commercial general liability, the business automotive liability requirements are also $1,000,000 worth of coverage. This is especially important for fleet owners in California, New Mexico, and Nevada, since those who have DOT or MC numbers will need to have proper documentation showing they meet these requirements.

Worker’s Comp

As part of their commercial general liability coverage, Amazon logistics commercial insurance requirements Arizona companies must meet include having worker’s comp insurance of $1,000,000, ensuring workers are covered in the event an accident occurs.

Cargo Legal Liability

For companies seeking partnerships with Amazon, cargo legal liability coverage is one of the most important aspects of commercial insurance requirements. For companies employing delivery drivers, a minimum of $25,000 coverage is required.

Professional Cargo Vehicles

In addition to having the proper insurance coverage, companies must also own professional cargo vehicles. To meet the basic requirements, companies will need to own a minimum of five cargo vans or similar vehicles that are 200 cubic feet or longer and meet the latest DOT requirements. By doing so, not only will customers get their packages delivered in a prompt manner, but a safe one as well.
By meeting these commercial insurance requirements, companies will be able to partner with Amazon to not only help them increase their business, but also build their own brand and give customers even better service.

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4 months ago · by · 0 comments

Cost of Contractors Liability Insurance in Phoenix, Arizona

Cost of contractor liability insurance

Insurance is a basic part of every businessperson’s life. It can make the difference between a mishap being a minor speed bump or a devastating loss. There are some basics every contractor must know which may influence the cost of contractor’s liability insurance Phoenix, AZ and aid the contractor being able to help his/her business stay in the game.
The types of coverage make up the base cost of contractor’s liability insurance Phoenix, AZ. Those types of coverage can include those discussed below but certainly are not limited to only these.
General liability insurance is the term used for the insurance to cover the basic accidents that could occur on a job site on a day to day operations. This would cover the things generally incurred when running a business as well as job site accidents.
Course of Construction insurance (a.k.a. Builders Risk Insurance) cover physical damage to a property under construction. Financial institutions require this type of coverage, at times, prior to lending the money to start a construction project. This includes remodeling projects, as well.
Workers’ Compensation insurance is a coverage that most everyone is familiar with. This covers the business owner in the event an employee is injured while going about his or her job on the site and during employment hours.
Tools and equipment may also be insured. Generally, insurance coverage on these tools and equipment requires that each piece not exceed $500 in value but can insure replacement costs in the event of theft.
Business auto insurance is a standard operating expense for vehicles used and operated for the business needs. Private policies sometimes may exclude coverage during business tasks. It is important the contractor have the proper coverage on all vehicles used for business purposes.
The cost of contractor’s liability insurance phoenix Arizona can vary from other locations in the country and even the state. Location plays a big factor in the pricing of these types of coverage. Local insurance companies can offer pricing quotes for all the available types of coverage for each individual contractor’s needs and location. These representatives are educated in assisting contractors to choose the coverage types and amount right for each individual contracting business. What is right in Tempe, may not be what is right in Phoenix and vice versa. Those insurance representatives are available online and in person to help their customers, including contractors, choose the most timely, efficient policies to cover everything, should the need arise.

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4 months ago · by · 0 comments

Workers Compensation Claims Issues in Arizona

Worker Compensation Claim Insurance image

Workers’ Compensation in Arizona provides critical benefits to people who are injured or disabled while working. An injury can lead to a partial or full disability that is temporary or permanent. Despite the law that lays out details like the time limits on filing claims and caps on benefits, a variety of work comp claims issues can arise, like miscalculated benefits or denied claims that must be appealed.

No-Fault Workers’ Compensation System

Arizona has a no-fault workers’ compensation system that allows injured workers to receive benefits no matter how the work-related injury or disability was incurred. That makes it sound as if receiving compensation and benefits is a straight-forward process. Unfortunately, it can be a very complicated process, from obtaining claims approvals to appealing denials.

Arizona employees who are approved for claims may be eligible for:

  • Payment of a portion of lost wages
  • Medical care reimbursement
  • Supportive care
  • Job retraining

Work comp claims issues can involve something as simple as requesting a change of physician or as complicated as an employee believing unfair claims processing practices are in play. The Claims Division of the Industrial Commission of Arizona says it makes more than 30,000 workers’ compensation claims determinations each year. The odds of a mistake being made or a claim being slow walked through the system are high.

Many Possible Claims Issues

There are many reasons that work comp claims issues develop. They include but are not limited to:

Employer claims the injuries were caused by disobeying reasonable workplace rules and the employee disagrees
An injury proves over time that it caused more severe medical problems than previously determined so the claim needs reopening
A claim is denied because case reviewers decided it was a mental injury only, or some portion of an approved claim is not paid due to a mental health component
Claimant gets an unfavorable decision from an Administrative Law Judge (ALJ) who has reviewed a denied claim per appeal
Benefits end before the employee is physically ready to return to work
A condition due to a workplace incident develops over a period of time, making it more difficult to prove cause-and-effect, i.e. exposure to a chemical
Disagreement over what should be included in the employee’s earnings amount used for determining the value of the claim
Questions as to whether the employee was really traveling to a jobsite when an accident occurred
Employee’s chosen physician does not agree with the physician the employer required the employee to see for the first medical examination
Insurance company requires an Independent Medical Examination (IME) that appears to be for the purpose of limiting benefit amounts
This is just a short list of the types of work comp claims issues that an employee may experience.

Get Legal Help to Settle Issues

Thousands of work comp claims issues in Arizona lead to the need to consult with an attorney. When temporarily injured or permanently disabled, it is stressful to have to deal with the workers’ compensation claims process. This is especially true when the state or employer creates a risk of being unable to continue paying bills or support a family. For people who are injured on the job, consulting an attorney can mean getting the full benefits allowed by law.

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