Workers’ compensation insurance is one out of the several business insurance essentials a business should have for San Gabriel, California Citizens. Suppose one of your employees gets sick or injured from a work-related cause. In that case, the workers’ comp insurance helps in medical treatment, lost wages, funeral costs, disability benefits, and more. This type of insurance helps employees get back on track. 

Are you wondering how to get workers’ compensation insurance? It is easy to get one! In this article, we will discuss how to get workers’ comp insurance. Scroll down to know more.

How to get workers’ compensation insurance? 

• Private workers’ comp insurance companies

The state regulates private workers’ compensation insurance. Still, they set their own cost and control customer approval. Get better quotes and excellent customer service with private workers’ comp insurances.

• State-funded workers’ comp insurance 

There is state-funded workers’ comp insurance if you cannot afford private insurances. These programs help to get the coverage needed for your employees.

• Competitive state-funded workers’ comp insurance 

A competitive state-funded workers’ comp insurance is when your state offers private insurance and state programs to cover your protection. They are generally competing with one another. 

• Monopolistic state-funded workers’ comp insurance

In Ohio, Wyoming, Washington, and North Dakota, private insurance companies are prohibited to sell their products. These monopolistic states require business employers to directly purchase workers’ comp insurances from a government-operated insurance fund.

• Through an agent or broker 

Insurance companies often resort to agents or brokers to sell their products. The benefit of getting insurance from these individuals is discussing the product in person. An agent or broker can meet with you and help you understand the coverage you may need for your business. 

Agents and brokers are not the same. An agent sells insurance products from different insurance companies while an insurance broker represents their customers. Brokers ask for insurance quotes and costs from insurance companies on your behalf. They also select coverage limits and submit applications under your name. 

How to get the best workers’ comp insurance

Purchasing workers' compensation insurance can be a difficult task. There are numerous aspects to consider when it comes to state regulations.

That is why it's crucial to work with a workers' compensation insurance firm with a lot of experience. We are here to assist you, no matter how big or little your company is. Request a quote today to discover more about how we can help you secure your company.

Logos Insurance Services is now serving San Gabriel, California Citizens to assist you in getting workers’ compensation insurance for your business. Get a quote today! Call us at (818) 649-2267 or visit our website www.logosinsure.com to learn more about our offered insurance services.

What Does An Umbrella Insurance Cover for San Gabriel, California Citizens?

What is umbrella insurance? 

Umbrella insurance is a type of insurance that you can add over existing insurance policies such as home or auto insurances. It provides additional coverage, suppose that your current insurance policy has reached its limits. Umbrella insurance covers injuries, property damages, and personal liability cases. 

What does an umbrella insurance policy cover? 

Umbrella insurance provides coverage above the limitations of your existing insurance policies, as well as for claims that liability policies may not cover. It generally includes coverage for the following: 

• Injuries 

• Property damages

• Lawsuits 

• Personal liability cases 

While it does not cover these instances: 

• Personal belongings 

• Business losses

• International or criminal omissions 

• Written contracts 

Who needs the umbrella insurance policy?

Almost anybody can benefit from umbrella insurance. This is because high-cost incidents can happen to anyone. Other members of your household, such as your spouse, children, and other relatives who live in your home but do not have auto or property insurance in their names, are usually covered under umbrella insurance.

Excess liability insurance and umbrella insurance are similar but not identical. This insurance only covers the same risks as your underlying policy and has the same limitations and exclusions.

How can umbrella insurance protect you?

It is recommended to buy umbrella coverage if you have a lot of assets. If you are sued for something, your liability insurance from your auto and homeowners insurance plans might not be enough. Umbrella insurance, in the end, protects you from losing everything in the event of a lawsuit.

Whether or not the case is meritless, a lengthy court battle is unpleasant and can potentially destroy a person's reputation. Buying an umbrella coverage will not relieve the stress, but it can help you protect all you have worked so hard for.

Logos Insurance Services is now serving San Gabriel, California Citizens assist you in determining what type of insurance fits your small business and, if so, what types of policy coverages would be most appropriate for your budget and circumstances. Call us at (818) 649-2267 or visit our website www.logosinsure.com to learn more about our offered insurance services.

A business in San Gabriel, California, big or small, is inevitable to risks and errors. At some point in your daily operations, there will be mistakes made. Whether you run a digital marketing agency, a clothing store, or a small construction firm, there is a chance that something might go wrong. 

Some of the cases might involved a customer tripping over your broken tiles or your delivery man colliding with another vehicle. Regardless of the mistake, your small business is at stake. Hence, you should opt for protection. Small business insurances can be your fighting sword for penalties, damages, and legal fees as a result of tragic events.

But how to determine the best small business insurance? In this article, we will discuss the types of small business insurance employers can get. 

What is small business insurance? 

Small business insurance is similar to any other insurance except that it is intended for small businesses. It is recommended to buy business insurances to protect oneself or the company from legal liability. 

Small business insurance is required by law. As a business owner, it is essential that you buy business insurance like unemployment insurance, disability insurance, and of course, worker’s compensation. These vary from state to state. 

The best small business insurance for you 

Not all small business insurance is considered the same. It depends on the type of small business you run. Determining the right coverage for your small business is a complex process. You will need to consider factors like your assets, state laws, liabilities you need to be protected against, and more. 

Here is a list of essential insurance every small business owner must have. It may or may not be what your business will need. 

• General Business Liability Insurance

This type of business insurance protects you from claims relating to personal injuries, product-related liabilities, and property damage.

• Professional Liability Insurance

This type of business insurance protects you from negligence claims.

• Worker’s Compensation Insurance

This type of insurance protects your rights as an employee in case of injury or sickness.

• Commercial Auto Insurance 

This protects your vehicles that are used in business. 

Be insured now! 

Logos Insure handles your insurance needs with professionalism and knowledge in the field. Get help from genuine people who understand your industry and can respond to your inquiries quickly.  

Be insured now! We offer a range of business insurances to protect you and your small business.

Logos Insurance Services is now serving San Gabriel, California Citizens to assist you in determining what type of insurance fits your small business and, if so, what types of policy coverages would be most appropriate for your budget and circumstances. Call us at (818) 649-2267 or visit our website www.logosinsure.com to learn more about our offered insurance services.

Professional liability insurance (PLI) covers practitioners such as accountants, attorneys, and doctors from lawsuits brought by their clients for negligence or other reasons. Since general liability insurance plans do not cover liabilities resulting from business, this form of insurance is required for professionals who have specialized knowledge in a particular field for San Gabriel, California Residents.

Personal injury, property harm, and advertising injury incurred by the company's business practices, goods, or employees are all covered under commercial general liability insurance for San Gabriel, California Residents. Many companies need commercial general liability insurance to protect themselves against financial losses caused by negligence.

If you use your car or truck for business, you'll need commercial auto insurance to protect you when you're on the road. Your car or truck is covered by commercial auto insurance, and it can be expanded to cover your employees, even though they drive their own cars for San Gabriel, California Residents.

What is Worker’s Compensation Insurance Policy for San Gabriel, California Residents? 

Injuries are inevitable to happen, especially on workplaces and when these unfortunate events happen, it can be costly. On top of this, employees affected may be incapacitated to work over a period of time or even permanently. If an employee is killed on the job, their dependents lose their wages and other benefits to the family for the rest of their lives.

This is why nearly every state in the United States requires employers to carry out a Worker’s Compensation Insurance. This type of insurance covers medical-related expenses sustained from injuries happening within the workplace premises. 

To be more specific, these are the entitlements bound by the worker’s compensation insurance: 

• Medical coverage: Health visits, hospitalization, prescription drugs, physical therapy, and other medical treatments are all covered.
• Disabilities: When employees are unable to work due to an on-the-job accident, policies include a partial replacement of lost wages. If the disability is temporary or permanent, partial or complete, determines the number and length of benefits.
• Rehabilitation: Jobs who are unable to return to their previous career will now acquire a new ability based on their existing skills.
• Death benefits: The spouse and minor children of a worker killed on the job are entitled to benefits.

State Laws 

Each state has their own distinct laws and regulations. Except in Texas, all states require companies of more than a few employees to provide workers' compensation insurance. The premium amounts and benefits depend on the location and nature of the business. 

As of the moment, Alaska holds the highest average premiums in the country as they are prominent in the lumberjack business which is known to be a high-risk occupation. Under each state, there are different agencies that carry out worker’s compensation policies. It may be state-led agencies, private insurance companies, or the state itself. 

In California, every person and apprentice working for an employer must be covered by a worker’s compensation insurance. It must be in legal writing and oral agreements. It also includes employees who are working legally or illegally. While children and partners are not required to have insurance in California. 

What type of injuries fall under the Worker’s Compensation? 

For instance, if an employee gets injured while performing regular job responsibilities, worker’s compensation may help. The insurance also covers illnesses like getting sick from chemicals inhaled at work.  

Records stated that about 30% of worker’s compensation cases are sprains and strains caused by lifting heavily. Employees experiencing this type of injury takes about 12 days before they can go back to work. 

On the other hand, the insurance does not cover the following injury or illness: 

• Involved in a fight caused by the employee 
• The occurrence is intentionally caused by employee
• When the employee is intoxicated 
• When the effect if emotional and with no physical trauma 
• When the occurrence happened during the employee’s travel

But this is subject to the state laws that your area follows. It is best to consult with your insurance company. Logos Insurance Services offer an all-inclusive insurance brokerage firm for all your concerns. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving San Gabriel, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

If you think you have the best insurance policy, try to think again and secure your business even more for San Gabriel, California Residents.

Umbrella Insurance is a form of insurance designed to cover a wide area of business that is not normally covered by your primary insurance. Some overlook this insurance since they think that its implication and use are farfetched and are downright trivial. However, policymakers argue that Umbrella Insurance is heavily useful depending on your primary insurance. In which case, most primary insurance tends to have lapses which make Umbrella Insurance a must-have for any business.

Here are three quick reasons why you should get Umbrella Insurance.

Policy Holes

Some insurance policies are so good on their own that you’ll get hooked into purchasing. They have very promising coverage that you think fits perfectly into your needs. That’s good. But what you may have missed out, is what the policy DOESN’ T cover. This is where Umbrella Insurance comes into the picture. You may have your workers, premises, and vehicles secure, but some of your assets remain in the open air. When the time comes, you won’t have any insurance to support you - which brings us to the second reason.

Unpredictability 

You’ll never know what will happen. Let’s say one day, one of your high-ranking officers got into a fight with an employee, and the latter decides to file a lawsuit against you and your officer. Under your already purchased policy, your employee is entitled to receive compensation for work-related injuries. But what if, in this case, the employee still decided to file a lawsuit arguing that what happened is not an accident but a deliberate act of violence. You may have the money to compensate your employee but not the money for all the lawsuit processes. Umbrella Insurance can help you with that.

Lesser Hassle

Concerning the two factors mentioned above, availing Umbrella Insurance will save you from future and sudden stress. Managing to get all your paperwork and allotting monetary funds for all the lawyering involved is stressful to do upfront. Doing so might compromise all your other tasks inside your business. Having insurance to save you at the most unpredictable times will serve its purpose; to ensure you of the uncertain.

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving San Gabriel, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

The main reason why most companies avail insurance for their workers is for health benefits. And you should really be getting one for San Gabriel, California Residents. But, which health insurance should you get?

Ensuring your health is the primary concern of pretty much every human on earth. And every worker, employee, and employer should get the benefit of securing their health while working in the workplace.

Some business owners, however, pick individual health insurance for their team. This is not only ineffective, but it is also very costly. Group Health Insurance is the best type of insurance for businesses. It is availed in the package and covers the general benefits of health insurance.

Here are some models of Group Health Insurance that you can avail of.

Preferred Provider Organizations (PPO)

This Group Health Insurance model is somewhat cheaper since it is built on a network of healthcare providers, doctors, and hospitals. If a worker is insured under a PPO Group Health Insurance, he gets discounted fees on partnered facilities depending on the insurance policy. This insurance requires a co-payment from the employee.

Health Maintenance Organization (HMO)

Just like the PPO, HMO Insurance works on networks. This time, an employee gets health maintenance services from partnered healthcare providers without a co-payment. This model is probably the most preferred model of Group Health Insurance by employees.

Health Savings Account (HSA)

This model is the most prominent and is widely used. HSA coverage is usually activated after the tax-advantaged savings account reached its quota. This type of insurance pretty much works well for employees and insurance providers.

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving San Gabriel, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.

Everybody knows that the internet is not a safe space. With its faux wall privacy, you’ll get a one-sided curtain of protection with you blind on one side and malicious users fully seeing on the other.

That is why you should also be ensured online for San Gabriel, California Residents.

Businesses that are integrated on digital platforms are prone to cyber-attacks and can lose all their essential data. These data can come from personal demographics, important information like bank account numbers, and digital currency like your online bank account balance. Most businesses sometimes miss out on these types of fraudulent activities on the internet. They can’t be blamed since not all can protect their digital data quite easily. 

That’s why ensuring your businesses on every online platform is a must. Availing a Cyber Liability Insurance will protect your business from any loss done in cyberspace. 

For reference purposes, here are two main cybercrimes and issues that you need to watch out for.

Phishing

Phishing is a cybercrime where a fraudulent user tries to “fish” for something valuable. This activity usually comes in the form of malicious emails. Phishing victims say that they receive several emails that seem to be from a legitimate establishment like a bank. The email will ask the user to fill out a fake form for some counterfeit reasons. And when they get the information they needed like passwords or bank accounts, they will pop out of thin air. 

Malware

Malware is a shortened term for malicious software. They come in different forms like viruses, spyware, ransomware, etc. Unlike Phishing, where the user voluntarily gives their information since they were fooled, malware attacks the database of the user without him having a chance. This usually happens when a download or clicks a random link that contains the malware, and once he does precisely that, the hacker will have all the access to your device and everything connected to it.

The main reason for these attacks is to get information and use them to get money. While money can be an easy factor to tick out, having your personal information will allow them to use them for future cyber attacks. That’s why you need to protect your business, money, and identity online. 

At Logos Insurance Services, we specialize in assisting you in locating the best insurance coverage for your specific needs are now serving San Gabriel, California Residents. We continuously assess the company's or business's needs and find tailored insurance solutions to meet them while providing exceptional customer support to ensure a smooth and hassle-free experience. Contact us right away to assess the business risks and determine how to protect yourself best. You can also call us on our hotline (818) 860-4400 for more details.