Amazon Logistics Commercial Insurance Requirements

When it comes to logistics companies, there is no company today that can compete with Amazon. A company that is becoming more and more of a one-stop shopping center for almost anything imaginable, the company is doing much to increase and improve its logistics capabilities. Because of this, many companies are looking to join forces with Amazon regarding delivery services. However, to do so they’ll need to meet certain commercial insurance requirements. When it comes to Amazon logistics commercial insurance requirements Arizona companies as well as those in California, Nevada, and New Mexico must meet certain requirements and guidelines.

Commercial General Liability
To do business with Amazon, a company must be fully licensed and carry a minimum of $1,000,000 worth of commercial general liability insurance. By meeting this requirement, companies in California, Nevada, and New Mexico can partner with Amazon. Along with this, when it comes to Amazon Logistics commercial insurance requirements Arizona companies also need to demonstrate they meet insurance requirements by providing documents that show driver safety policies, procedures, and training.

Business Automotive Liability
Just like the commercial general liability, the business automotive liability requirements are also $1,000,000 worth of coverage. This is especially important for fleet owners in California, New Mexico, and Nevada, since those who have DOT or MC numbers will need to have proper documentation showing they meet these requirements.

Worker’s Comp
As part of their commercial general liability coverage, Amazon Logistics commercial insurance requirements Arizona companies must meet include having worker’s comp insurance of $1,000,000, ensuring workers are covered in the event an accident occurs.

Cargo Legal Liability
For companies seeking partnerships with Amazon, cargo legal liability coverage is one of the most important aspects of commercial insurance requirements. For companies employing delivery drivers, a minimum of $25,000 coverage is required.

Professional Cargo Vehicles
In addition to having the proper insurance coverage, companies must also own professional cargo vehicles. To meet the basic requirements, companies will need to own a minimum of five cargo vans or similar vehicles that are 200 cubic feet or longer, and meet the latest DOT requirements. By doing so, not only will customers get their packages delivered in a prompt manner, but a safe one as well.

By meeting these commercial insurance requirements, companies will be able to partner with Amazon to not only help them increase their business, but also build their own brand and give customers even better service

For Quotes:

http://mylimoinsurance.com/quotes/

Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com
Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

Home Health Care Agency Insurance -AZ, NV, CA, NM

As the United States population ages in the years ahead, the need for home health care will continue to rise. Because of this, more and more people are looking to open home health care agencies in an effort to help those who will need help while staying at home. However, before opening a home health care agency, it’s important to know the various types of home health care insurance coverage in AZ, NV, NM and CA.

General Liability Insurance
To ensure you and your employees are covered in the event a claim is made against your agency, general liability insurance is a must-have. In many cases, states will have a minimum amount of coverage an agency must carry, so be sure to check with an insurance agent who specializes in home health care insurance coverage in AZ, NV, NM and CA. For most standard policies, an adequate amount of coverage is $1 million.

Automobile Coverage
Since you and your employees will be traveling to your client’s homes on a regular basis, it’s a good idea to have automobile coverage that will protect you and your employees in the event of an accident or when transporting a patient to and from a doctor’s office. In most policies where various types of coverage are packaged, both non-owned and hired car liability coverage can be included.

Employee Dishonesty Coverage
Since employees of your home health care agency will be inside a client’s home, there is always the possibility that they will be accused of stealing money or other items from the client’s home. If this happens, having employee dishonesty coverage as part of your home health care insurance coverage in AZ, NV, NM and CA can be extremely important in protecting your agency from a significant claim that may be filed by a client.

Abuse and Molestation Coverage
Unfortunately, there may be an occasion where serious accusations of abuse or molestation may be leveled against one of your employees. Needless to say, these can be extremely serious allegations, and could ultimately result in the closing of your business. However, by having abuse and molestation coverage as part of your overall general liability insurance, your business will be able to survive these serious incidents.

By taking all of the above-mentioned types of insurance coverage into consideration prior to starting your home health care agency, you and your employees can be assured of having the protection you need.

Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com
Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

Assisted Living Facility Insurance

This type of insurance is absolutely essential for all assisted living facilities. However, the nature of the coverage you will need is dependent upon a variety of factors. The following are just a few of them.

Liability coverage for your facility
This forms the bedrock of your insurance needs. Although you will need general liability coverage as any other business would, there are also insurance needs that are more specific to an assisted living facility. Professional liability is at the top of the list of importance. All of the staff that provides care to your tenants is open to a potential lawsuit, and therefore, your facility is vulnerable. This includes claims of abuse by the staff. The exact amount of coverage required will be dependent upon the size of your facility as well as any legal requirements for Assisted Living Facility Insurance in Arizona, New Mexico, Nevada or any other state you operate in.

Property damage for your facility
This type of coverage is to protect your facility in case of fire or other types of damage from such things as weather. Many companies will extend the coverage to include damage from earthquakes. In this sense, it is the same type of policy as any other business would have for their building, but there are a couple of things you need to add for an assisted living facility. You will need insurance for relocation of your tenants in case of major damage to the property. You will also want coverage for damage to prescription medication that is refrigerated but spoils due to a loss of electricity.

Custom coverage for your facility
Although there are common attributes to most facilities, there are also likely special liability needs you have, so an agent should analyze your particular facility to determine what, if any, they are. A risk management assessment can be done to help reduce your liability, and the amount of coverage you require. This can include recommendations for the installation of safety features for your tenants, and updating staff procedures to reduce the chances of accidents.

Ultimately, finding Assisted Living Facility Insurance in Arizona, New Mexico, Nevada or other areas of the country can be complex, so you should always consult with an agent to make sure you are getting all of the coverage your facility needs. In addition, if you have more than one facility and they are located in two or more states, you should seek the expertise of an agent who specializes in Assisted Living Facility Insurance in Arizona, New Mexico, Nevada and other states.

Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com
Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

Assisted Living Center Liability Insurance, Arizona, New Mexico, Nevada, Texas, CA

Running an assisted living facility. One of the many challenges that comes along with running an assisted living facility is making sure that you have the proper insurance. There are several types of insurance that you will need to get.

Insurance For Assisted Living Centers

General Liability Insurance

This is one of the most important types of insurance for assisted living centers. This type of insurance protects you and your business if someone suffers bodily injury while they are at your assisted living facility. The person’s claim and medical expenses can be covered by your general liability insurance policy. This form of insurance can also cover claims that are related to slander and defamation of character.

Professional Liability Insurance

Professional liability insurance is also referred to as errors and omissions insurance. This form of insurance covers you if you or one of your staff members makes a mistake and unintentionally harms a client while providing them services. Negligence and defense costs are things that are covered by professional liability insurance.

Workers Compensation Insurance

Workers compensation is another important type of insurance for assisted living centers. One of the key responsibilities that you have is making sure that you provide a safe working environment for your employees. However, even if you work hard to provide a safe working environment, things still can go wrong. That is why workers compensation is essential.

If one of your employees is out of work due to an injury that is sustained on the job, then workers compensation can cover the lost wages. It also covers medical treatments and services that focus on helping the employee return to work.

Commercial Auto Insurance

Commercial auto insurance covers your facility’s vehicles. This type of insurance is important because company vehicles are not covered by your own insurance policy. Commercial auto insurance helps protect your company’s assets if someone gets into an accident while driving a company vehicle. If you have collision insurance, then the cost of repairing the vehicle will also be covered by the policy. Comprehensive insurance covers a vehicle if it was damaged by something other than an accident, such as theft, falling debris and vandalism.

Property Insurance

Property insurance covers the building itself. Fires, storm damage and water damage are examples of some of the damages that can be covered by property insurance. Not only does property insurance cover the building, but it can also cover the furniture and other items in the building.

Cost Of Contractors Liability Insurance Phoenix Az

Cost Of Contractors Liability Insurance Phoenix Az

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The cost of contractors liability insurance Phoenix AZ will be determined by a range of factors, but it is critical for every company and project to have proper and quality protection. Having such not only safeguards you financially, it also earns your business top quality talent and clients that appreciate the safety and comfort liability insurance provides.

What Contractor Needs Liability Insurance?

You all do. As a contractor, the cost of contractors liability insurance Phoenix AZ will prepare you for the worst. There are contractors that work directly with government agencies or specific businesses. Their employers may be responsible for liability insurance. Most contractors, though, contract their services to third parties. Whether these are businesses or individuals, these contractors are required to have sufficient insurance to operate.

It doesn’t matter if your business is general, artisan or subcontractor, an accident can ruin your reputation and, in many cases, destroy the business. There are specific policies for the mason, electrician, plumber, roofer, framer or tiler. The cost of contractors liability insurance Phoenix AZ will be impacted by the types of equipment and machinery on site, type of project, number of employees and location. There can be discounts or other incentives if safety standards and precautions are in place, and if employees have been trained, but there is no getting around adequate coverage.

The smart contractor wants liability insurance.

What is the Cost of Contractors Liability Insurance Phoenix AZ?

Regardless of the cost of liability insurance, the moment you find yourself needing it, the policy becomes invaluable. Consider the repercussions if you didn’t have coverage. An accident that’s not your fault could have a dynamic impact on your business. Imagine a distracted driver watching your crane and absently hitting one of your employees. An electrician falls off a scaffold and is seriously injured. Your machinery creates unintentional damage to someone’s residence. Without coverage, you end up carrying any and all expenses related to the incident. You could land on the defendant’s side of a legal dispute. Word gets out your business is in trouble, making it difficult to get new projects and clients.

Those are the costs to consider.

Conclusion

If you’re looking at the cost of contractors liability insurance Phoenix AZ, do not look solely at dollars coming out of your budget. Look at what you need to safely manage your operations, protect anyone and everyone who could potentially be hurt and how you want your reputation to be viewed.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
2822 W. Northern Ave
Phoenix, AZ 85051
Mailing
3655 W. Anthem Way A109-283
Anthem, AZ 85086
ghanson@proinsgroup.com
602-481-0161
623-463-9001 Fax


Wrap Up Insurance, Arizona, Nevada, New Mexico

Wrap Up and owner controlled insurance policies are provided by an insurance company through an owner or developer. That policy covers the contractors working on a construction site under one policy.

The Benefits of Having Contractors Under One Policy
Many contractors working on buildings like townhouses, subdivisions and multi-family residences don’t have their own insurance coverage. This can leave the developer with a serious liability for injuries incurred on the job. With one policy to cover everyone on the job site, it reduces the litigation in case a claim is filed by a worker or by the future owner of the property over the construction.

Control of the Coverage Details for Workers
When one insurance company covers all the workers, there’s never a problem with policy exclusions or canceled coverage. The developer has the control over the type of coverage provided to all his workers on the job site. When each contractor has their own coverage, there’s the potential for issues regarding the limits of the coverage provided. Claims are handled more efficiently with one insurance plan covering the entire work site.

Basic Insurance Coverage

  • General Liability
  • Umbrella Liability
  • Builder’s Risk
  • Workers Compensation
  • Commercial Vehicles
  • Property Damage

Safety Programs for All Workers
A primary feature of the Wrap Up Program is one enforceable safety program that will ensure that all workers follow a certain protocol to avoid accidents and damages. All contractors might not have their own safety programs, which can result in injuries. A safe workplace where everyone follows safety procedures results in a construction that is finished on time without injury and delays.

Contractors Who are Eligible
When developers use Wrap Up and owner controlled insurance policies, they expect that contractors will bid on the job without the costs of insurance included. They will be charged for the insurance used by the developer, but the contractor’s insurance can cover the operations outside of the Wrap Up coverage.

Add-On Coverage

  • Pollution Liability
  • Contractors Professional Liability
  • Railroad Protective Liability
  • Builder’s Risk
  • Installation and Contractor’s Equipment Floater

Wrap up and owner controlled insurance policies protect everyone working on the construction site. They’re a great way to ensure that everyone has the same protection too. If there’s ever a claim made against the workers, it can be handled with one policy, and there’s no finger pointing or delayed action.

Gary Hanson
Professional Insurance Strategies, LLC
2822 W. Northern Ave
Phoenix, AZ 85051
Mailing
3655 W. Anthem Way A109-283
Anthem, AZ 85086
ghanson@proinsgroup.com
602-481-0161
623-463-9001 Fax


Municipality and County Insurance, Arizona

As society changes, municipalities and counties within the United States face new challenges each and every day. This is particularly true in Arizona, where many towns and cities find themselves with increasing populations and an ever-changing socioeconomic picture. Just like individuals, towns and cities in the state need to have various forms of insurance protection in the event something happens and a claim is filed against them. Whether it’s Flagstaff, Show Low, Alpine, Prescott, or many other locations in the state, there are many kinds of insurance for municipalities in Arizona.

Law Enforcement Liability
Police departments are some of the most important parts of local government, and are also vulnerable to a variety of situations where insurance protection may be necessary. Law enforcement liability insurance gives police department’s protection in the event a claim is filed against them regarding their actions during the line of duty, and also helps to protect the town or city against litigation.

Workers Compensation
One of the most important types of insurance for municipalities in Arizona, workers compensation allows employees who are injured on the job to be compensated for their injuries, while also helping pay for medical treatment and other related expenses. While helping injured employees, it also benefits the town or city by helping to limit the amount of damages they are obligated to pay out for an injury sustained on the job.

Employment Practices Liability
If and when an employee claims they were treated unfairly on the job, employment practices liability insurance can help protect a city or town if litigation is brought against it by the employee. This type of insurance for municipalities in Arizona can provide funds in the event an employee successfully shows unfair employment practices were committed against them while employed by a city or town such as Payson, Jerome, Wickenburg, or others within the state.

Equipment Breakdown
Towns and cities have millions of dollars invested in equipment used to repair streets, build and maintain facilities, and fix other problems that may happen over the course of their work. Equipment breakdown insurance can help protect the investments made in this equipment, giving the localities protection in the event the machinery breaks down and needs costly repairs or must be replaced.

While insurance is something that few people ever want to use, having it can bring tremendous peace of mind. This applies not only to individuals, but towns and cities as well. Through these various types of insurance for municipalities in Arizona, the necessary safeguards can be in place if they are ever needed.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
6708 W. Bethany Home Rd
Glendale, AZ 85301

ghanson@proinsgroup.com
602-481-0161
623-551-6716 Fax

High Net Worth Insurance, Arizona

While people who have achieved a high level of income can rest assured that their basic needs (and more) are well covered, great wealth also brings with it other concerns that must be addressed. One of the concerns of the wealthy (besides concerns about the volatility of the stock market) is whether or not they have the right level of insurance to protect their property. For individuals in Arizona, those concerns go to the specifics of the kind of insurance that can be obtained. For high net worth individuals looking for insurance in AZ, there are several issues that must be entertained.

Types of Insurance Available for Wealthier Clients

Arizona has a high number of citizens who have a higher net worth. Many individuals with high net worth and property holdings choose Arizona as a place to retire, as the state has a welcoming feel for these types of people. What this means for insurers in Arizona, however, is that their client’s needs should be addressed, as far as asset management goes.

Life Insurance

High net worth individuals looking for insurance in AZ should consider having a financial planner review their life insurance policy, to ensure that it meets all of their family’s current needs. As life and ones net worth change, it’s important to assess a policy so that it can be counted on to protect one’s family, one’s lifestyle and one’s assets. A solid policy can also help to offset payments on estate taxes, which may be a serious issue for high net worth individuals looking for insurance in AZ. An individualized approach to putting together the right coverage for a wealthy family is the best bet, and this can only be done with guidance from an insurance agent who specializes in financial management.

Priorities to Consider for Higher Wealth Individuals

Many wealthy individuals in Arizona and elsewhere are putting more and more of their money into tangible assets, like jewelry, art and collectible pieces, as these items can hold their value even as the financial markets become volatile. The issue in having wealth in these kinds of assets, however, is that they must be documented and protected with the right types of insurance in order for the owner to capitalize on their value.

For high net worth individuals looking for insurance in AZ, again, finding an insurer with experience in wealth management and in protecting tangible assets is a smart idea. A good insurer will know that in order to protect a tangible asset, its value and authenticity must be documented by a reputable appraiser. These assets must be appraised on an ongoing basis, too, as markets change. This type of documentation will also protect a wealthy owner from fraud and from unforeseen taxes as pieces are handed down through generations.
Having great wealth in Arizona does bring with it certain responsibilities. What really matters, ultimately, is that high net worth individuals looking for insurance in AZ take the time to do solid research and find the right insurance experts to guide them into plans that will protect their assets for themselves and for their families.

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

 

Arizona Workers Comp Assigned Risk Pool

Many businesses in Arizona are required to provide workers’ compensation coverage to their employees per the law. This is coverage that may pay for medical expenses, time away from the job and more in the event of an injury accident or another similar event on the job. While most businesses will be able to provide their employees with the coverage that is required by law, others will not qualify for coverage through a typical plan due to a number of potential reasons, and they may be placed in an Arizona workers comp assigned risk pool.

What Is the Assigned Risk Pool?
If your business is unable to qualify for a private workers compensation insurance plan and you are unable to provide the required coverage for your employees, you will be placed in an Arizona workers comp assigned risk pool. This essentially means that you will be required to pay for the coverage offered to the pool rather than get more competitive rates and better plan options by shopping around. Generally, the rates offered to the assigned risk pool are less attractive, but this does give you the ability to comply with the legal requirement for coverage.

What Are Your Options in the Assigned Risk Pool?
When your business is placed in the assigned risk pool, this may be because your business participates in a high-risk activity or for another reason. There is always the option to identify why your business has been denied coverage through other insurers, and you may consider ways that you can improve the situation so that you do qualify for coverage. When you qualify for coverage through other insurers, you can get out of the assigned risk pool, and you will have the opportunity to take advantage of better plans and more competitive rates. Some, however, will need to remain in the assigned risk pool due to the on-going nature of risky work activities.

Workers’ compensation can be a costly expense for all businesses, but it is required by law for many. When you are required by law to obtain this type of coverage but are unable to find the coverage you need, you can get coverage through the Arizona workers comp assigned risk pool. Whether you use this is a temporary or permanent solution to meet this legal requirement, you will be pleased to know that this coverage is available to help you comply with the law.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
6708 W. Bethany Home Rd
Glendale, AZ 85301

ghanson@proinsgroup.com
602-481-0161
623-551-6716 Fax

Insurance for Contractors in Phoenix, Arizona

Almost everyone nowadays has some type of insurance, and this is especially true for businesses. Insurance helps business owners protect themselves in the event of negative occurrences, and when it comes to independent contractors and insurance, being covered is just as important. Not only should contractors consider investing in insurance for their own protection, but many employers won’t even accept bids for jobs unless they know that the contractors and insurance companies have something worked out.

General Liability Coverage

General liability coverage provides contractors with coverage in the event that something goes wrong on the job. On-the-job injuries and equipment breakage are examples of the types of instances covered under general liability coverage insurance policies. This type of liability coverage covers not only the contractor, but the hiring entity as well.

Commercial Auto Coverage

Contractors and insurance companies can also work together to come up with a comprehensive commercial auto coverage package for contractors who have commercial vehicles as part of their business services. This type of coverage protects both the contractor and the client in the event that an accident occurs while the contractor is driving as part of the assigned job being completed for the hiring entity. For instance, if the contractor gets involved in an auto accident on his or her way to pick up supplies for the job being completed for the hiring entity, then the commercial auto coverage will take care of the costs of the accident rather than the contractor or client being held liable.

Workers Compensation Insurance

Workers compensation insurance provides business owners with protection if one of their subcontractors gets hurt while on the job. This is one of the most essential types of insurance for contractors to make sure that they invest in since it provides them with a safety net in the event that someone becomes injured while on the job. Without workers compensation insurance, contractors could find themselves subject to lawsuits that could end up crippling or even demolishing their businesses.

Performance Bonds

Another type of insurance that contractors can invest in is a performance bond. Performance bonds guarantee that a contractor’s work will be completed satisfactorily. If the job isn’t completed according to the set standards, then the bond is released for completing or repairing the project. Performance bonds protect contractors in the event that they become disabled and can’t continue to complete a project. This protects not only the hiring entity but the contractor as well.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
6708 W. Bethany Home Rd
Glendale, AZ 85301

ghanson@proinsgroup.com
602-481-0161
623-551-6716 Fax