Can Workers’ Comp Cover Injuries Developed Over Many Years?
Posted: February 20, 2019
Not all work-related injuries are caused by sudden accidents. Occupational diseases and cumulative trauma injuries can develop over time. Repetitive Stress Injuries If an employee is covered by workers' compensation insurance, he or she should be entitled to receive compensation for repetitive stress injuries caused by overuse across a long period of time. Back pain and carpal tunnel syndrome are examples of this type of...
In-Home Business? Here are some exposure concerns...
Posted: June 21, 2018
IN-HOME BUSINESS: The U.S. has experienced rapid growth in home-based businesses in the last decade; there are over 11 million home-based business in the country. The question is, do they have proper insurance? Most home-based business owners assume that their “homeowner policy” provides coverage for their business. That policy specifically excludes business liability exposures and offers only limited coverage for business personal property (BPP). If...
Risks of Buying Cheap Insurance...
Posted: May 4, 2018
Everyone wants value for their money. Everyone wants the best price. At what point does inexpensive become “cheap”? Why does The Nicolaysen Agency seem to come up with prices that might not be the cheapest? When you’re dealing with a commodity, where one item is the same as another, cheapest price works. However, most of the things we buy are associated, in some way, with...