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Knight-Dik Insurance Agency, Inc. Blog: business insurance

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Anyone could get hurt on the job. If you are an employee, you often have a right to apply for workers’ compensation. If you are the employer, you have a responsibility to ensure the employee receives the funds owed. How does this coverage protect both parties? How must both parties work together to achieve the appropriate results? READ MORE >>

Today, business owners work with independent contractors to handle many of their specific needs. Yet, many also still use employees to handle tasks such as courier work or product delivery. When you have employees doing the work, you need to have insurance to protect those drivers and your assets. READ MORE >>

As a small company, you may not think much about lawsuits or claims from customers. You work to provide a service or product to your customer and do your best at it. Yet, risk follows every company. Without general liability insurance, a small business is vulnerable to financial loss. READ MORE >>

For business owners, workers' compensation insurance is a necessity. By learning how the system works, however, you can lower your costs. You can also make sure you’re getting what you’ve paid for. Once you’ve identified a few key components, you can also plan for unexpected events. READ MORE >>

The goal of any insurance platform is to protect its beneficiary. To take care of your employees, you need to support them with high-quality health and safety solutions. While your business’s workers' comp insurance policy might be good, it could be better. What are some of the ways your policy can provide better benefits? READ MORE >>

Many employers will face instances in which an employee cannot return to work. This may be due to an on-the-job injury. When this occurs, it can be a primary goal to get those individuals back to work. The longer they cannot work, the longer you will pay for their lost time. This becomes costly. READ MORE >>

Workers’ compensation is a valuable form of supplementary income. It can help those who get hurt and cannot work still have money in their pockets. Still, you’re likely going to have to look at local law to see if you qualify for this protection. Different states govern their workers’ compensation systems differently. READ MORE >>

The Insurance Journal covered a recent insurance summit. One panel discussed ways to lower workers' compensation insurance costs.  Of course, businesses also want to offer their employees the best care. They just want to offer that care in a cost-effective way. READ MORE >>

Employers must provide safe working conditions for employees. When an employee suffers an injury on the job, he or she might have the right to obtain compensation from the employer. Such compensation comes in the form of workers' compensation. This type of claim can be expensive. READ MORE >>

Some small businesses believe they do not need to have workers compensation insurance. They are small. Their employees are “friends” of the company so it’s thought that they’re less likely to sue. The problem is, they could become hurt—or even worse—while on the job, and that could place a significant amount of financial risk on the organization. READ MORE >>

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Knight-Dik Insurance Agency | Mercantile Center, 120 Front Street, First Floor, Worcester, MA 01608 | Ph: 508.753.6353 | Fx: 508.752.1764
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