Workers compensation insurance can take a sizable bite out of your bottom line. However, with a little effort these costs can be controlled. Consider these 10 steps that can save you money while protecting your employees’ well being.
Many design firms have one or more &"lone workers.” These include design professionals who work solo at remote locations such as a home or satellite office, mobile workers who are often on the road, or those workers who regularly work on jobsites as a project representative. (Many sole proprietors are, of course, lone workers.) Thanks to the Internet and advancing cell-phone technology, the trend toward employing lone workers full or part time will only increase.
A basic business auto policy (BAP) covers your company's employees when they are using, with permission, an automobile owned, hired or borrowed by your company (the named insured). When you choose to add coverage for non-owned vehicles, the BAP typically provides liability coverage on an "excess" basis.
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