Professional Liability Insurance

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Protect yourself and your business from claims not covered by commercial general liability coverage. If you provide expert advice or services you should consider professional liability insurance. Professionals who are architects, home inspectors, lawyers, physicians, real estate brokers and accountants can benefit from this type of coverage. Read this coverage insight to learn more about what professional liability insurance covers and how it can help your company go above what general liability coverage does.

At Conrey Insurance we want to ensure that you have all the knowledge and help you need so your business is sufficiently covered. To speak with a member of the Conrey Team about professional liability insurance, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

A Comprehensive Guide to Hours of Work and Required Break Periods in California

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This Employment Law Summary provides an overview of hours of work and required break periods in California.

At Conrey Insurance Brokers and Risk Managers, we want to ensure you are informed on the topics that are important to you. That’s The Conrey Difference. Give us a call at 877-450-1872 or visit our website.

How to protect your Company When Disciplining or Terminating an Employee

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Disciplining or terminating an employee brings about unwanted stress, but it can also open your business to a list of liability exposures. It is easy to believe that once an employee has received a corrective warning or has been terminated there will no longer be a problem. This is not always the case. There are many types of claims that an employee can file against you or your company if they feel they have been wrongly disciplined or terminated. But, there are ways to help prevent a claim if you are aware of the risks.

It is essential to clearly define your company expectations and individual roles for employees in a handbook which employees should sign. Conduct periodic performance reviews. The most important strategy to help prevent a lawsuit is to keep a paper trail for every employee and include corrective actions and performance reviews. Never embarrass a terminated employee by bringing in security to escort unless they were terminated for theft or a violent offense. Institute a zero-tolerance policy against discrimination, drug abuse and harassment. Also, establish an “open door” policy in which employees can report incidents without the fear of retaliation.

Add another line of defense with Employment Practices Liability Insurance. Even if you or your company are not found guilty of wrongful termination or discipline, lawsuits can be expensive, even devastating. EPL insurance can help offset some of these costs.

To learn more about ways to protect your business before disciplining or terminating an employee, read this informative article. At Conrey Insurance we want to ensure your business is properly protected against potential risks. That’s The Conrey Difference. Give us a call at 877-450-1872 or visit our website.

Planning for Success: Are you Ready?

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As business owners, we’re always striving to grow our business and make it the best it can be. Whether you are managing sales, incoming calls, figuring out future goals, it really is always being one step ahead. What happens when you’ve reached all of your goals? You make new ones. In this article it shows you how to plan for your businesses succession, and in detail goes through how to make sure your business stays successful beyond your time. Read the article here.

Contracts can feel like a tangled mess of legal jargon, but we’re here to help you make sense of it all.

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Once you’re ready to sign a contract, it can be tempting to look right at the dotted line and ignore all of the legal jargon. However, you need to know what you’re signing and how it affects the amount of risk you’re accepting. Use this guide to understand how to transfer risk using contractual provisions and help ensure you (or your organization) won’t be caught in an unexpected dispute.

What do contracts have to do with insurance? Everything! Insurance and risk management go hand in hand. If your insurance representative is not helping you evaluate and mitigate your risk, give us a call. Conrey Insurance Brokers and Risk Managers are specialists at making sure that everything you’ve worked so hard to achieve is well preserved and protected; we’re here to help you navigate through every aspect of managing your risk. That’s The Conrey Difference. It’s easy to get started. Just call us at 877-450-1872 or visit our website. Before you sign on the dotted line.

Carbon Monoxide Poisoning: Silent, Deadly and Preventable

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While we tend to take precautions against a variety of dangers, many underestimate the dangers of carbon monoxide poisoning. Unlike many hazards, carbon monoxide is odorless, colorless, and produces symptoms similar to having a cold or flu, meaning that it is often undetected until the more severe stages of illness. Luckily, carbon monoxide poisoning is preventable; be proactive by taking the proper precautions and learn to recognize the symptoms of poisoning.

What are the symptoms?

Carbon monoxide poisoning may cause headaches, dizziness, weakness, nausea, vomiting, chest pain, confusion, and forgetfulness. In many cases, these symptoms may be mistaken as another illness or even the common cold, leading them to be dismissed. Be aware and cautious if you experience these symptoms.

What precautions should I take?

Carbon monoxide alarms are required in California homes and offices; however, it is important to periodically check to make sure the alarms are in working order in case of emergency. Be sure that appliances are properly installed to avoid gas leaks. In addition, heating systems, including vents, should be serviced annually and checked for damage. If appliances begin to work inefficiently, for example, furnaces or water heaters failing to heat, then damages may have occurred that increase the risk of a leak.

What else should I know?

Carbon monoxide poisoning affects over 50,000 in the United States and kills around 500. Business owners and landlords might be liable for injury or death from CO poisoning if found to be negligent in taking proper precautions or fixing preexisting issues. Carbon monoxide poisoning is often overlooked, so it is important to protect your family, business, or tenants.

As part of our ongoing effort to ensure proper protection, we want to make sure that your family, friends, coworkers, and you are safe no matter where you are – that’s The Conrey Difference. Take a moment to review this helpful article and video.  As always, we’d like to invite you to have a conversation with us, no matter your insurance or risk management needs; we’re here to help.

Call us at 1-877-450-1872 or contact us here, and experience The Conrey Difference for yourself.

 

How an Aging Workforce Impacts Workers’ Compensation

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As more people decide to remain in the workforce for longer periods of time, employers may find that their workers’ compensation costs are also increasing. These cost increases often come as a direct result of a greater number of employees with chronic illness and preexisting or age-related conditions. Among the most common are knee or back injuries, stress, or cumulative trauma.

Click here to download an article on the unique considerations related to workers’ compensation for both employees as well as employers.

As claim costs go up, it is prudent to check up on your coverage to make sure that your business and employees are properly covered. To schedule a workers’ compensation check-up for your business, call us at 1-877-450-1872 or contact us here, and experience the Conrey Difference for yourself.

Understanding Workers Compensation Insurance

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Understanding your insurance and how it works can be just as important as having it in the first place. Learn about what affects the price, as well as what you can do to save money on your workers compensation insurance here.                                                                                                                                                                                                                                              Want more interesting content? Check out our blog page. Have any questions? Want to check up on your business insurance?  We’re here to help no matter what your needs- to speak with a member of the Conrey Team, call (877)-450-1872 or contact us and experience the Conrey Difference for yourself.

 

 

California Minimum Wage Increase

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With a new year come new laws or updates to current ones. One of these updated laws is a minimum wage increase in the state of California. The increase impacts both large and small businesses. The uptick in wages is part of the SB 3 legislation signed in 2016. With one of the highest populations in the country and most expensive housing markets, the bill was signed to help one of the largest communities of working poor in the United States to achieve a living wage. Own or manage a business? Are you thinking about starting a business? Read all about the California minimum wage laws here.

Want more interesting content? Check out our blog page. Have any questions? Want to check up on your business insurance?  We’re here to help no matter what your needs- to speak with a member of the Conrey Team, call (877)-450-1872 or contact us and experience the Conrey Difference for yourself.