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7 months ago · by · 0 comments

Workers Compensation Claims Issues in Arizona

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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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7 months ago · by · 0 comments

Insurance Coverage for Apartment Complex Owners

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Regardless of whether you own a smaller apartment complex with a dozen units or less or you own a much larger property, the property is understandably a large investment that you want to insure. If you have a mortgage against the property, your lender typically will require you to maintain a multifamily insurance policy with specific minimum coverage types and limits. Insuring apartments in Arizona may be essential, but the type of coverage that you purchase plays a major role in how effective and protective the policy is to you.

Liability Coverage

One of the more important types of coverage to consider when insuring apartments in Arizona is liability coverage. This type of insurance pays other parties and does not provide you with any compensation. Other parties may sue you for damages, such as if they are injured on your property because of negligent property maintenance. This is only one of many types of liability situations that you may face. Coverage may pay for legal costs associated with a lawsuit, a settlement outside of the courtroom or a court-ordered judgment. Before buying this type of coverage, it is important to understand all the liability risks that you may face as a commercial property owner and the potential costs associated with those risks.

Building Repair or Replacement Coverage

In addition to liability risks, there are also financial risks associated with property damage. Building or property coverage may pay for repairs or even for a full building replacement when the property is damaged by fire, windstorm, and many other events. Keep in mind that flood insurance typically needs to be purchased as a separate coverage. This type of coverage is not usually necessary when insuring apartments in Arizona, but you should research flood plans to determine what your property’s risk is. When insuring apartments in Arizona, remember that you do not need to insure the value of the land. Insurance coverage should be in an amount required to completely replace the building in a worst-case scenario. Land is never destroyed, so it does not require coverage.
In addition to focusing on the types of coverage for apartments and their limits, you should choose an affordable deductible. A common deductible amount when insuring apartments in Arizona is one percent of the property’s value. However, this can be a small fortune when you own a larger apartment complex. Always ensure that the deductible is affordable for you to pay at a moment’s notice. Keeping an equivalent amount of money in a savings or money market account is a smart idea.

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

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7 months ago · by · 0 comments

Insurance for Apartment Buildings

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Apartment insurance for landlords and investors is invaluable for protecting against legal, financial and natural disasters. The policies and coverage types available are wide and varied. Companies typically offer coverage based on individual needs. Commercial property insurance options commonly vary from state to state. A local insurance agency can provide landlords and investors with available options based on location and the specifics of the property.

Basic Coverage

Commercial property coverage is based on several factors, which include:

  • The location, age, size, and type of the building
  • The age of the roof and HVAC systems
  • The presence of appliances in the apartments
  • The presence of a clubhouse, fitness center, laundry room, swimming pool and other outdoor buildings
  • Indoor and outdoor furnishings
  • Updated fire and security protection systems

Basic coverage protects the dwelling, other buildings, and structures along with the insured contents in the event of a fire, a storm or damages from theft or vandalism.

Coverage Options

Commercial property owners might also consider opting for additional coverage beyond the basic apartment insurance for landlords and investors. These add-ons include:

  • Rental Income Loss-In the event one or more apartments suffer damage and cannot be inhabited, the protection pays the property owner for the loss of income.
  • Personal Liability-The coverage protects property owners in case a tenant or other person should suffer an injury while on the property.
  • Debris Removal-The coverage helps pay the clean-up expenses following covered property damage.
  • Emergency Property Removal-The option pays for emergency property removal.
  • Loss Repair Coverage-Pays the expenses for repairing property that suffered additional damage after the initial incident.
  • Fire Department Fees-The coverage provides a pre-determined service charge to cover the cost of fire department fees.
  • Landscape Coverage-In the event that lawns, plants, shrubbery, or trees suffer damage due to covered incidents, the additional protection pays for the loss.

Additional Coverage

Individuals seeking apartment insurance for landlords and investors typically focus on the main structures and contents. However, there are other aspects of the property and liability to consider protecting.

  • Loss assessments
  • Computers and other on-site office equipment
  • Personal effects
  • Off-site coverage
  • Transportation
  • Automatic indoor and landscape sprinkler systems
  • Wind damage incurred by landscape
  • Earthquake damages
  • Marina structures
  • Comprehensive personal liability
  • Construction risk or theft
  • Automatic coverage on newly constructed structures
  • Miscellaneous expenses
  • Wrongful eviction
  • Privacy invasion

first and foremost, property owners want to protect their investment. Adequate coverage ensures that landlords and investors have enough protection of pay for replacement costs.

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7 months ago · by · 0 comments

Cannabis Business & Liability Insurance

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As marijuana has been legalized in more parts of the United States, numerous cannabis businesses have emerged in an attempt to cash in on what many experts believe will be a multi-million-dollar industry in the years ahead. But just like any other type of business, these companies need various types of insurance to protect them from liability and other issues. To learn more about this, here is some additional information regarding cannabis business & liability insurance.

General Liability

With this coverage, the policy will pay out if the business becomes liable for bodily injuries and property damages occurring on the premises or due to the product or operations. Along with this, medical payments and expenses will be covered, no matter who is at fault.

Crop Insurance

An extremely important aspect of cannabis business & liability insurance, crop insurance covers a crop through the growing cycle. While it offers protection against such indoor and outdoor hazards as fire, temperatures, soot, and water, there are certain areas in which protection does not apply.

 With most policies, these areas will include:

  • Mold
  • Rot
  • Disease
  • Fertilization Issues
  • In most cases, these areas where coverage does not apply are found in policies for traditional agricultural crops as well.


This part of cannabis business & liability insurance covers losses to such things as buildings, machinery, personal property, and business income due to fire, theft, vandalism, and water. With most businesses this is especially important coverage to have since they often have to use vehicles to transport finished stock. Unfortunately, many of these vehicles become targets for theft. If this happens, property insurance will cover any losses.

Workers Compensation

As with any business, workers compensation is a crucial aspect of insurance coverage. By having this as part of a company’s cannabis business & liability insurance, three primary areas are covered in the event employees are injured on the job, which include:
Medical expenses
Lost wages
Accidental death or dismemberment

By having this insurance coverage, an employee who receives workers compensation is often not allowed to pursue a lawsuit against their employer, which can ultimately save a company from potential financial ruin.

Cyber Liability

A relatively new aspect of cannabis business & liability insurance, cyber liability coverage protects a company against cyber threats and data breach events. In doing so, it will cover such aspects as business interruption, funds transfer loss, cyber extortion, and losses resulting from identity theft.

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7 months ago · by · 0 comments

Insuring your home correctly

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Of all the assets you own, it is likely your home is the most valuable and the one you cherish the most. Because of this, you want to make sure you have home insurance that adequately covers all necessary expenses and other items associated with your home. Yet when starting the process of buying insurance for your home, you may not know everything you need to make the best decision. To help with this, here are several key points you should always keep in mind during your search.

Rebuilding Costs

When purchasing home insurance, always make sure you consider the costs that would be associated with rebuilding your home. Should the unthinkable happen such as a fire or a tree falling on your home, you’ll need to have insurance coverage that will provide you the funding needed for the rebuilding effort.

Your Home’s Contents

While you may not think about it very often, the fact is you have plenty of items in your home. Once you start doing a room-to-room inventory, you’ll quickly discover your kitchen, living room, dining room, bedrooms, and other rooms in your home have lots of furniture and other items whose value can quickly add up. Therefore, before purchasing your home insurance, have a general idea of the value of your home’s contents and how much it would cost to replace everything if necessary.


In almost any home, there will be various types of valuables. Whether this includes antique furniture, valuable jewelry handed down from generation to generation, artwork, or more current valuables such as watches, cameras, or sports equipment, these should always be given careful consideration when buying home insurance. If possible, it is usually a good idea to have these items appraised before buying your insurance. By doing so, you will have a much better idea as to how much coverage you will need.

Accidental Damages

No matter how careful you are in and around your home, there is always the chance an accident will take place. Whether this involves a motorist crashing into your property or pipes that burst and cause water damage to your basement, these situations need to be fixed immediately and often require significant amounts of money.
By taking these and other aspects into account, you will be able to purchase your home insurance while making sure you will have enough money to cover whatever comes your way.

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