Category Archives: business insurance

Tennessee Workers’ Compensation Laws Keep Changing

Tennessee Workers' Compensation Laws Keep ChangingTennessee Workers’ Compensation laws might be changing once again as legislators introduced the new Employee Injury Benefit Alternative measure last month. The bill is designed to allow private employers to opt-out of the state’s workers’ compensation program by designing their own individual plans. Independent plans would have to meet the minimum requirements by providing injury benefit plans that are less comprehensive than state-mandated workers comp insurance.

Current Tennessee Workers’ Compensation regulations require employers provide:

  • Temporary Benefits – The maximum weekly benefit rate for injuries occurring July 1, 2014 through June 30, 2015 is $932.80 or 110% of the state’s average
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Chattanooga Business Insurance Basics for Entrepreneurs

Chattanooga Business Insurance Basics for Entrepreneurs Chattanooga Business Insurance Basics for Entrepreneurs

It’s a new year and for many Americans 2015 represents a fresh opportunity to embark on new adventures and pursuits in both their personal and professional lives. For some that means making life changes, career changes and even starting their own business. But starting a new business is no easy task; it takes time, resources, research and planning in order to be successful. There are many reasons why small business success rates are low, one of the most prominent is a lack of preparation and risk management. More specifically, many small businesses forget …

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Breaking Down Sevierville Management Liability Insurance

Breaking Down Sevierville Management Liability Insurance Breaking Down Sevierville Management Liability Insurance

While most Sevierville businesses owner realize the insurance is a necessary and beneficial part of any risk management strategy, often times it can be hard to fully understand all the risk and loss exposures you and your operation may face. Some operations attain property and general liability coverage thinking that such coverage will protect them from the majority of their day to day loss exposures. However the truth is that there are many Sevierville business needs that surpass the scope of basic coverage, particularly when it comes to liability concerns.

General liability is a …

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Davidson County TN Hotel Insurance: Utilizing Ergonomics

Davidson County TN Hotel Insurance:  Utilizing Ergonomics Davidson County TN Hotel Insurance  Utilizing Ergonomics

While it may not seem like the most risky of all industries, the hospitality industry actually has one of the highest worker place injury and accident rates. For example, the hospitality industry has some of the highest reports of slips, falls and tips in the workplace according to the U.S. Occupational Safety and Health Administration. Bodily stress, strains, and musculoskeletal injuries are also extremely common workers compensation claims from hospitality workers and can pose serious complications for Davidson County hotel operations.

Many fundamental job functions performed by hotel staff member involve routine lifting, …

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Chattanooga Educational Liability Insurance: Altering Policies

Chattanooga Educational Liability Insurance: Altering Policies Chattanooga Educational Liability Insurance Altering Policies

The Williamson County School District (WCSD) recently came under fire from the American Civil Liberties Union (ACLU) regarding the district’s current policy governing student’s use of social media and electronic devices.  The current policy is designed to monitor and curb student’s usages of social media by allowing school officials to search through any electronic devices utilized on school property, including students’ personal devices. Students and parents at WCSD institutions have been asked to sign and comply with the district’s “Acceptable Use, Media Release and Internet Safety” guidelines contract as part of the “Bring Your …

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