As a civil contractor, it goes without saying that you need civil contracting insurance. The coverage helps you limit financial risks that may occur as a result of job site injuries, loss of equipment and other unforeseen complications that may arise in the course of duty. However, even with insurance, you never look forward to anything going wrong while working on a civil project. Unfortunately, the unexpected happens, and you may find yourself filing a claim with your insurance company after the occurrence of an insurable risk.
If you have been injured at work and your employer is refusing to provide you with worker's compensation, that be be scary and frustrating. However, you have rights in this situation, and it's important to understand what them. Here's what you should do.
1. Lodge a Worker's Compensation Claim
Under state legislation and the federal Fair Work Act, employees have a right to worker's compensation if they are injured on the job.
When you own or operate a commercial truck of any sort, you want to ensure you have the right insurance. This isn't like having insurance for your own private car or even for a fleet vehicle, as there may be different types of liability involved with a heavy-duty truck. This is why it's important to ask the right questions about getting commercial truck insurance for your business. Note a few of those questions here and discuss these with your truck insurance agent.
Many owners of small businesses confess that they find the cost of insuring their business very high and yet they can't do without it. Here are some ways through which you can manage the cost of insuring your small business.
Bundle Your Coverage
Many small business owners may find themselves buying business insurance coverage piecemeal due to resource constraints. Another possible reason for this disjointed approach may be that they only pay for coverage once they realize they need it.