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Nonprofit Insurance – What is a Management Liability Policy

By Business Insurance, Insurance

Whether they are protecting the environment, feeding the hungry, or even funding critical research projects, Nonprofit Organizations aim to assist their communities in any way possible. Because these Nonprofits are working with such unique risks, it is imperative that they have the correct insurance coverages in place. Unfortunately, it is possible for one large claim to lead to end of these organizations. Because of that, we want to ensure that your Nonprofit has all the necessary insurance policies. Below you will find the types of insurance that Nonprofits should consider: General Liability Commercial Property Professional Liability Automobile Directors and Officers…

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Work Comp Wednesdays – The North Carolina 1.50 Ex Mod Rule: How to Navigate the Safety and Health Programs and Committees Act

By Insurance, Insurance People of North Carolina, Workers Compensation

  Work Comp Wednesdays – The North Carolina 1.50 Ex Mod Rule: How to Navigate the Safety and Health Programs and Committees Act Welcome to Work Comp Wednesdays! Insurance People is the industry-leader in North Carolina workers’ compensation insurance. Each week, our team takes a frequently asked question and expands on the issue for our clients, prospective clients, and community members to better understand the confusing nature of Work Comp. Background: The Ex Mod (Experience Modification Rating) in Workers’ Compensation insurance has the ability to cripple an organization that has issues actively mitigating their workplace injuries. Few people understand the…

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Work Comp Wednesdays – March 2nd OSHA Recordkeeping Requirement

By Insurance, Workers Compensation

Welcome to Work Comp Wednesdays! Insurance People is the industry-leader in North Carolina workers’ compensation insurance. Each week, our team takes a frequently asked question and expands on the issue for our clients, prospective clients, and community members to better understand the confusing nature of Work Comp.     This article is from our friends at EmergeApps: OSHA Recordkeeping Background: Each year, millions of workers get hurt on the job. In order to help prevent work-related injuries and illnesses, OSHA has for decades required employers to keep track of these incidents by recording them in what is often called an…

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Meet Bennett – Insurance People’s Newest Team Member

By Business Insurance, Insurance People of North Carolina, Personal Insurance

Name: Bennett Sterling Age: 25 Hometown: Durham, NC Fun Fact: The only type of seafood that Bennett eats is fried shrimp! Bennett is a Durham-native and is a licensed Property and Casualty Insurance agent. He joined Insurance People in early 2020, only three days prior to the initial Covid-19 stay-at-home order. Bennett has a background in Sales and Customer Service Relations, stemming from his passion to serve others. He received an academic scholarship to attend High Point University, his freshman year, where his focus was Business Administration. Bennett enjoys the industry because it is continuously evolving and there is something…

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Consider Safety Before Taking Your Restaurant Outdoors

By Business Insurance, Insurance

Restaurants across the country are taking the necessary steps to ensure that their businesses remain operational during the winter. Because so many restaurants are unable to support indoor-dining, procedures have been put in place to provide outdoor-dining to their customers. Whether it is a plastic-pod or a tent, outdoor-dining options provide these businessowners a chance to serve their customers while limiting exposure to Covid-19. However, these outdoor-dining solutions are not free of liability concerns. These outdoor structures are valuable in the sense that they provide restaurants an opportunity to serve their patrons; however, there are procedures that should be followed…

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Work Comp Wednesdays – How to Make Workers’ Comp Employee Friendly

By Insurance, Workers Compensation

This article is from our friends at the Institute of WorkComp Professionals: Both in the media and in general conversation, we often hear people refer to the workers’ compensation laws in various states as being very “employee friendly” because they feel that it’s easy for injured employees to get more than they “deserve” from the workers’ comp system. This may be true; as certainly there is little or no question that there are laws in some states that are more business friendly as opposed to employee friendly. But employers would do well to ignore this debate because in reality when…

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How to Protect Vacant Commercial Buildings

By Business Insurance, Insurance

Now, more than ever, commercial buildings are being left vacant because businesses are working remotely. Although the vacancy may be temporary, commercial property owners should still take the time to ensure that their vacant building is protected. These buildings face a variety of risks, including: Crime, Water, Fire, Pests, and Contamination. Whether businesses are closing for the holidays or due to Covid-19, there are eight steps property owners can take to secure their vacant commercial building. Below, you will find those eight steps: Secure the Building – alarm system, security cameras, motion-activated lights, etc. Tell the Local Authorities – Let…

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9 Key Elements of a Data Security Policy

By Business Insurance, Insurance

In an increasingly virtual world, data security has never been more important. Regardless of where they are working, employees must understand their obligation to protect company information. It is crucial that everyone works together to avoid a date breach as well a cyber related claim. Travelers Insurance believes there are nine essential elements of a data security policy. Below, you will find the nine elements. For more information on each element, please follow the link to Travelers Insurance. Safeguard Data Privacy Establish Password Management Govern Internet Usage Manage Email Usage Govern and Manage Company-Owned Mobile Devices Establish an Approval Process…

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Insurance People Mails Out Dividend Checks

By Insurance People of North Carolina, Specialty Insurance

Insurance People is thrilled to announce that Utica National Insurance Group has declared a dividend for the Charter School Safety Program. As a result of low claims in 2018, Utica has declared an 8% dividend for charter schools as a result of claim activity between April 2018 – April 2019.  On Monday, Insurance People mailed out over $100,000 to 65 schools in North Carolina, South Carolina and Georgia. Members of Utica’s dividend program are committed to keeping school’s safe. Insurance People partners with Utica for this very reason, they provide unmatched resources to ensure their schools are leaders in risk…

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NC Workplace Injury & Illness Rate Below National Average

By Insurance, Insurance People of North Carolina

North Carolina continues to impress with their historically low workplace injury and illness rates. North Carolina, with a rate of 2.3 cases per 100 employees, is below the national average of 2.8. NC’s Labor Commissioner, Cherie Berry, credits the two decades of success to a safety culture commitment. When speaking specifically in regards to the private construction industry, Berry states, “We are especially pleased that private industry construction saw a significant decrease in its total recordable rate from 2.5 to 1.6 and is significantly below the national rate of 2.8 per 100 full-time workers.” North Carolina has gone above and…

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