Posts

What Keeps You up at Night?

 

Every one of us has certain things that occasionally prevent us from getting a good night’s sleep.  These concerns might be a job, kids, an illness, or other problems in life.  Our goal is to make sure that protecting your family with the right insurance is one thing that does not keep you up at night.

Here is how we help you get a good night’s sleep:

  1. We never just sell you a policy.  We ask questions and educate you so that the coverage you select is the right fit for you.
  2. Insurance is a complex transaction, so we work hard to make sure you understand how insurance works before you make a decision.
  3. Our team is licensed, and we have years of experience which helps us better educate and guide you in your insurance needs.
  4. We are here to answer any questions you may have regarding your insurance decisions.

According to an Insurance Journal article, here are the top issues that keep people up at night:

  • Floods and other natural disasters
  • Identity theft
  • End of life issues
  • Eldercare

We can provide valuable information regarding each of these concerns so that you can make the right decision for you and your family.  Our team will never push you into a hasty decision.  That is because we will only offer you an insurance solution after we fully understand your needs.

Connect with us and let us show you how we do it—and help you get a good night’s sleep.

 

COVID-19 And Your Business

COVID-19 And Your Business

Most of us are doing our best to comply with the COVID-19 stay at home order.  However, there are also many of us who still must go to our place of work.  Here are some things you can do to help maintain safety and financial health for your business, employees, and clients in the workplace during this time of uncertainty.

We recommend you check with your City, County, State, OSHA, Department of Health, and other agencies for provided employer guidelines, as during this COVID-19 event, policies can change daily.

COVID-19 Workplace Safety Tips

  • Do not leave any valuables clearly visible or accessible.
  • Mandate all employees wash hands frequently and provide antibacterial supplies.
  • Develop an Infectious Disease Preparedness and Response Plan.
  • Restaurants that offer takeout services should remove all tables and chairs.
  • Provide gloves for staff to use when cleaning, and frequently clean rooms and any areas to which people have access.
  • Limit food sharing.
  • Disinfect surfaces like doorknobs, tables, desks, and handrails regularly.
  • Use videoconferencing for meetings when possible. When not possible, hold meetings in open,       well-ventilated spaces.
  • Add COVID-19 information and updates on your webpage and social media sites.
  • Consider regular health checks including temperature and respiratory symptom screening, of staff and visitors entering buildings (if feasible).
  • Require workers who are ill to stay home.
  • Consider posting “NO TRESPASSING” signage.

Oakwood operates as an independent insurance agency, selling an extensive spectrum of insurance to businesses, families, and individuals.  Our competitive advantage comes from the objective and professional service that we provide our access to a wide range of carriers and our extensive knowledge of the insurance marketplace.

 

Small Business Insurance

As a small business owner, you wear many hats, including owner, manager, human resource manager, sales manager—and even window washer.  Because there is so much to do, you may not spend time thinking about your business insurance, but you should.  Recent studies by the Insurance Information Institute found that over 50% of small businesses never reopen after a severe loss.

Commercial General Liability & Auto Insurance covers claims from accidents, injuries, or negligence when the business is at fault.  Small businesses can face a wide array of  damage charges like personal injury, property damage, libel, and slander.

Cyber Liability Insurance covers the risk posed by conducting business over the Internet, over other networks, or using electronic storage technology.  It covers third party losses from hackers, theft, and loss of information including sensitive client or individual personal information.

Directors and Officers Liability covers costs, damages, and defense protection for directors and officers of a company for lawsuits and judgments arising out of poor management decisions, employee dismissals,    shareholder grievances, and other such acts committed in good faith.

Employment Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees.  It can cover discrimination (age, sex, race, disability, etc.),  wrongful termination of employment, sexual harassment, and other employment-related allegations.

Professional Liability Insurance is designed to cover third party claims and damages arising out of providing professional advice.

Workers’ compensation insurance is usually required by law for small businesses with employees.  This insurance provides benefits for employees who are injured or die from job-related causes.

Oakwood operates as an independent insurance agency, selling an extensive spectrum of insurance to businesses, families, and individuals.  Our competitive advantage comes from the objective and professional service that we provide our access to a wide range of carriers and our extensive knowledge of the insurance marketplace.

 

Business Insurance Planing

Is Your Business Ready For 2020?

The world is changing, and we understand the issues your business faces every day. There is constant competition for your customers, there are challenges in attracting and retaining top employees, and your cost of goods keeps going up. Part of your planning should include an annual commercial insurance review. Your business changes, and so do your exposures. Here are some of the major kinds of coverage found in most commercial insurance programs.

Commercial Insurance for Businesses

Liability Insurance– Covers your business against claims of negligence that resulted in loss or injury to a customer or visitor to your business.

Worker’s Compensation– Protects your business when an employee becomes injured on the job. It is required by law.

Commercial Auto– Covers against loss for your business vehicles and any liability your business incurs as a result of an accident.

Property– Insures against loss for your buildings and equipment.

Employment Liability– Covers your business and managers from claims of harassment, discrimination and other civil rights as afforded under state and federal laws.

Cyber Liability– Protects your liability interests when data or sensitive client information is stolen or accidentally lost by your business.

Professional Liability-Protects your business when a third party accuses your business of being negligent or making a mistake in providing professional services.

An Independent Agent Who Understands Commercial Insurance

When you purchase business insurance through an independent agent you are working with a licensed professional who specializes in the products and services you need. We have access to many insurance companies and know which ones are designed just for your business. Independent agents are local business owners who employee your neighbors to serve your needs.