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Are you planning to open a cannabis dispensary in Fairbanks, AK? If so, there are a number of very important matters that you will need to attend to. One of them will be to contact an insurance agency in Fairbanks AK in order to make sure that your business has the full level of protection that it deserves.
What Can Fairbanks AK Insurance Brokers Help You With?
A team of expert Fairbanks AK insurance brokers can help you in a number of ways, including the following:
- Providing insurance for your dispensary inventory
- Insuring your business
- Providing insurance for the building that you own and operate your business out of
- Providing insurance protection for your assets related to your business
- Insuring your outdoor property, such as the signs and fencing that you may own
- Protecting against theft by customers, burglars, or your own employees
Contact the Firm of Hale & Associates for More Information
Hale & Associates are the leading insurance agency in Fairbanks AK. Our agency can help you get the insurance that you need to give your cannabis dispensary.
Get in touch with us to learn about what we can do to make sure that your cannabis dispensary in Fairbanks, AK is fully protected.
Are you the head of a non-profit organization in Alaska? One of the first things you need to be concerned about is making sure that you have the right level of insurance protection. There may be several forms of insurance that you will need to procure. Your best bet is to hire the services of an expert insurance provider to give you valuable aid and counsel in this area.
What Forms of Insurance Does a Non-Profit Require?
A policy of general insurance will protect you against slip
and fall incidents. It will enable you to get the coverage you need to handle
any damages you are ordered to pay out in this event.
You may also wish to consider buying a policy of property insurance. This will
cover all of the classic “Act of God” scenarios, including fire. It
will also give you coverage against theft and vandalism.
If you or your employees use company vehicles in the course of your non-profit
work, you will need to have a full policy of auto insurance. This will give you
coverage in the event of an automobile accident.
Another important policy to consider getting will be Directors and Officers
insurance. This will give you valuable coverage in case you or any member of
your nonprofit’s board of directors are named in a lawsuit.
Contact Hale & Associates for More Information
The firm of Hale & Associates is a leading broker of non-profit insurance in Alaska. If you need to insure your new non-profit with the right level of continuous protection, we’re here to help. We can make sure that you get the very best deal on all of the policies that you need to protect your venture. Get in touch with us today to learn more about non-profit insurance in Alaska.
If you are an electrician, plumber, carpenter, or other person skilled in a trade, you have put much time and effort into building up your business. However, like with any other business, you can find yourself suddenly facing many unpleasant surprises. Whether this involves a legal complaint from a customer or an injury that forces you off the job for an extended period of time, it is these and other situations where having various types of insurance can be beneficial. To get the coverage needed for yourself, turn to Fairbanks AK insurance brokers at Hale & Associates.
General Liability
For any business owner, general liability insurance is very important to protect their business. It will also help in cases involving slander and libel.
Commercial Property
With this type of insurance, you will be providing protection to the place where you do business. Our Fairbanks AZ insurance brokers can go over these details with you, as well as help you determine your best options moving forward.
Business Income Insurance
While chances are you will be able to perform your duties for many years without incident, the fact is accidents can and do happen. Because of this, always carry business income insurance. By doing so, your policy will cover loss of income should you not be able to run your business due to various types of property damage, such as from a natural disaster or other event.
If you need to purchase new policies or perhaps have your current policies updated, schedule an appointment as soon as possible with Fairbanks AK insurance brokers at Hale & Associates.
WHY WE LOVE OUR COMMUNITY
Based in Fairbanks, Alaska, the Hale & Associates Insurance Bonding and Consulting firm serves as a premium commercial insurance agency in this scenic region. We want customers to know why we love our community! Although we maintain a license in every state in the United States, we draw daily inspiration and joy from our roots in Alaska.
TEN EXCELLENT REASONS TO LOVE FAIRBANKS
Why does our commercial Alaska insurance company celebrate The Last Frontier? Just consider ten great reasons to savor daily life here:
1. Warm, friendly people live in Fairbanks!
2. Fairbanks hosts an important campus of the acclaimed University of Alaska.
3. This lovely city maintains a close association with aviation: it produced the state’s first commercial airline company back in 1923.(1)
4. Residents of this hardy northern location adjust to extreme variations in daylight over the course of any given year.
5. The diverse local population includes people of virtually every ethnicity, age, and background; you’ll meet many fascinating individuals here!
6. We watch the Northern Lights illuminating the night sky nearly 200 days during the year.
7. Our city’s population maintains a vigorous outdoor lifestyle, close to the beauty of Alaska’s lovely wilderness.
8. This location supplies one of the best venues on Earth for the fine art of ice carving!
9. Our lovely city serves as a gateway to more northerly locations in our state, offering a welcoming hub for visitors, tourists, and other travelers.
10. Business leaders in this community have accepted our company with open arms; over time, many enterprises have come to rely upon us as their trusted source for Alaska insurance services.(2)
AVAILABLE TO SERVE YOUR BUSINESS
Whenever your company requires commercial insurance, surety bonding or consulting services, contact Hale & Associates insurance agency at (907) 456-6671. We look forward to assisting you!
You would only want to place your most valued belongings with someone you trust. Your belongings may be personal, or perhaps you run a business that you need to protect. Hale & Associates is an insurance brokerage that has been working hard since 2007 to build a reputable company Which has clients coming back again and again. An insurance brokerage is a company that shops different insurance companies for you, looking for the coverage you need, comparing prices, and finding you the best deal.
Hale & Associates is a locally owned and operated insurance brokerage in Fairbanks, Alaska, but they are also licensed in all 50 states to meet your needs no matter where you are. Their professional and dedicated staff work with each client to ensure satisfaction. Some insurance brokers only work with select insurance types, and may be limited to plans with only 50 companies, but this company offers comprehensive service offering a variety of insurance options including: commercial insurance needs such as general liability, workman’s compensation, medical malpractice, cargo coverage, and professional liability; and plans for employers, such as employee short and long term disability, and health insurance: and personal insurance needs. By maintaining relationships with over 700 insurance companies, they are sure to find exactly what you need.
In 2016, the Alaska based insurance company, Umilalik, named Hale & Associates as a Circle of Excellence Agency again. To achieve this impressive award, a company must demonstrate a high level of professional excellence and integrity, as well as demonstrating growth as a company. This places the company in the 90th percentile compared to all other Umialik partners from 2010-2015.
While there may be many insurance brokers for you to choose from, you can feel secure choosing this company that is well-established with numerous insurance options, and recognized in the community, while providing honest, professional, and friendly customer service.
What Is Workers Compensation?
Workers compensation is a form of insurance designed to cover people when they are injured at work. Workers comp can cover lost time at work, recovery costs and medical bills. If a person dies as the result of their injuries, then workers compensation can also cover their funeral costs.
Workers compensation was designed to do the following things:
- Pay for replacement wages and medical bills
- Pay for vocational rehabilitation
- Abide by all of the worker’s compensation laws in the state
All states require companies purchase worker’s compensation insurance as soon as they hire their first employee. Even if an employer is not required to have worker’s compensation, it is still a good idea to get it. The cost of a workplace injury can be substantial.
Employees are responsible for doing whatever they can to keep themselves safe. However, even if an employee is negligent, they may still be able to get workers compensation insurance.
Who is Eligible For Workers Compensation?
People who are full-time employees are eligible for workers compensation. Volunteers, independent contractors, business owners and casual workers are typically not covered by worker’s compensation. An employee can sue an employee if their negligence contributed to their injuries. However, filing for workers compensation prevents an employee from suing.
Employers cannot fire an employee for filing for workers compensation because is against the law. There are limits placed on the amount of worker’s compensation that one can receive. This limit can vary from state to state.
Contact Hale and Associates
Call Hale and Associates if you are in need of insurance! Their experienced insurance brokerage will help you select the benefits that fit your needs best. Their insurance brokerage can also answer questions you have about worker’s compensation insurance.
The experts at Hale & Associates, an insurance brokerage, can show you the four most important things you need to know about Commercial Auto insurance. Nearly everyone is aware of the necessity for insurance on your personal vehicle, but these main differences must be addressed when you are considering insurance for your business.
1. If you own a business and use a vehicle for any part of that business, such as delivery of products or to pull equipment, then a personal insurance policy probably will not cover your liability in the event of an incident. Using your business vehicle for personal runs to the store or to pick up the kids at school does not relegate it to a personal vehicle. The vehicle is still part of the business and must be insured as such to guarantee coverage.
2. Talk to the insurance agents at Hale & Associates to find the coverage you need for your business. How you use your vehicle in your business determines your commercial insurance needs. There is a vast difference between using your vehicle to deliver pizzas and for towing heavy equipment.
3. Unlike personal auto insurance, Commercial insurance is tax deductible as a business expense. If you use your vehicle as a method to deliver newspapers, then your commercial insurance premium is deductible.
4. Commercial insurance tailors to your needs. Coverages are not consistent. While the coverage of whatever cargo you may be carrying is a consistent part of a commercial insurance policy, the reimbursement for renting another vehicle while your business vehicle is being repaired or serviced is not. Businesses that rent vehicles from other businesses to carry out business, such as moving companies that rent form trucking firms, need a non-owned vehicle coverage. On the other hand, businesses that rent out vehicles to other businesses still need commercial insurance coverage on that vehicle.
Workers compensation costs are pressing business challenges. The prices are associated with employee injuries incurred while on the job. These expenses include payment for loss of time or permanence inability to work, or even medical bills. Workers compensation is a growing expense in the industries and should not be assumed. Employees can consider the following tips to prevent workers compensation claims.
- Register for Insurance PoliciesAccidents are prone to happen in any working environment. Workers compensation insurance covers employee’s medical benefits and wage replacement for injuries experienced while on the job.The policy makes sure that the employee relinquishes any intentions to sue the employer for negligence. There are several categories of insurance covers that work to the benefit of both the employer and employee. It is advisable to consult insurance brokers with a vast knowledge of policies when choosing a cover that suits your environment as an employer.
- Report All Claims to the Insurer PromptlyReporting workers compensation claim on time results to effective incident management. Make sure to report any employee’s injuries immediately for ease and smooth claim process. Also, avoid delays in attaining medical reports and reaching a settlement decision. It is advisable for employers to make sure the plaintiff signs a medical relief at the time of injury to hasten the compensation.
- Communicate with all Parties FrequentlyThe employer should keep in touch with the claimant. It is essential to keep them updated on the compensation process. Where it is applicable make sure to stay in communication with their healthcare provider.Frequently follow up with the claim representatives to manage the application and arrive at proper resolutions in any involved issue. The agreement with the employer should be able to cater for the return to light duty, medical benefits, and regular duty covers.
For employers to manage workers claims better, they should make sure they are familiar with relevant regulations and process. It is advisable to consult insurance brokers like Hale & Associates to find out the insurance policies that will enable you to have peace of mind.
Try insurance policy cover that works best for your employees and ease claim worries.
Workplace accidents occur regardless of any stringent measures set in place. Fortunately, that’s where workplace compensation insurance comes in. It’s no longer an option to have workers’ compensation. It’s a necessity.
WHAT IS WORKERS COMPENSATION?
Workers’ compensation is a type of insurance purchased by a business owner and its meant to cover employment-related injuries. The employee receives the benefits in the event of an injury on the job. In exchange, the employee gives up their right to sue your company for the tort of negligence.
Getting workers’ compensation from an insurance brokerage is considered mutually beneficial. The employer is protected from damages that could bankrupt them, and the employee gets compensated for their injury without an uncertain and lengthy legal battle.
WHAT THE WORKERS COMPENSATION COVERS
Workers compensation covers any accidental workplace injuries. The employees receive the payout regardless of who made a mistake. While this type of coverage includes most injuries, there are exemptions.
In some states, employees have to undergo alcohol and drug testing, and if found under the influence, the benefits can be revoked. Also, benefits can be denied if the employee was not on the job at the time of the injury, the injury occurred as a result of a violation of company policy, or if the injury was self-inflicted.
Payments provided by Hale & Associates help to cover the cost of wage replacement and medical care for employees unable to work for a long time as a result of the injury. The wage replacement payments are entirely untaxed even though they amount to a percentage of the employee’s average income.
BENEFITS OF WORKERS’ COMPENSATION
Getting a cover from workers compensation insurance brokers has various benefits:
Financial Stability
Businesses have set budgets, and unforeseen expenses such as payment of medical bills and loss of wages can result in bankruptcy.
Professional Access
With the right coverage, you have access to professionals who will help you through the claims process.
Workers’ compensation is a critical element of any liability and risk management plan.
Accidents are becoming common as a result of reckless driving. With driver policy, reckless-driving associated cases are reduced as drivers become more responsible reducing road accidents.
Employees driving company vehicles must observe safety, traffic, and criminal laws of the state. The purpose of the driver policy is to ensure the safety of the individuals driving the company vehicle as well as providing guidance on proper use of an organization vehicle. Road accidents are costly and may injure you and other people. With driver policy, it is the responsibility of the driver to operate the vehicle reliably and drive defensively to prevent damages and personal injuries.
Importance
Driver policy is one of the wise risk management tools that are at your disposal. Remember, you are entrusting your employees with multi-ton trucks bearing your company’s name. Driver policy shows your insurer and drivers that you are serious and keen on protecting your property.
Reduced Claims
Driver policy helps reduce claims as well as keeping safety in the minds of your employees. The risk management plans that you put in place will be helpful in controlling claims and premiums. Today, exposure to catastrophic events is on the rise. At the same time, accidents are occurring at a more frequent rate and the value of compensation is increasing. With a driver policy, the driver is careful, and such accidents are reduced.
Reduced Fuel Costs
Petrol and diesel prices have been increasing for the last couple of years. Drivers signed on a driver policy are careful and drive within the set speed limits, thus keeping consumption on manageable levels. Hale & Associates Inc. to get all your driver policy requirements handled.
Attitude Change
The attitude you take when you are behind the wheel is an essential factor in ensuring safe driving. Drivers who are signed to a driver policy are always careful and cannot consume alcohol or illegal drugs while driving the company vehicle, or before their shift if such consumptions would affect their judgment while on the job.
Do you need an insurance brokerage firm that will offer your company a proper driver policy, do not hesitate to visit Hale & Associates Inc.