Do I need insurance if my employees get hurt at work?

There is no doubt that your employees are the most important part of your business. They keep the place going, and contribute parts of their lives to make sure your company gets its work done. Unfortunately, there are times when your employees get injured or ill while in your employ, whether on your premises or while out on business for you. 

Because of liability laws, you are responsible for their well-being during those times. If their injuries occurred as a result of negligence, they need to be compensated for their injuries. It is important for them to receive appropriate medical care at no cost to themselves. If you do not provide this basic care, your employees can sue you in order to force you to pay for their damages.

You can explore various options for obtaining Worker’s Compensation Insurance at Nest Insurance Agency. Depending on your location and the size of your company, you may not be required to carry Worker’s Compensation Insurance. There are also special rules for contract work. However, you can still be sued to pay for any injuries or illnesses which occur while someone is in your employ. 

Your policy should cover potential injuries, lost wages, fees for temporary replacement workers, and even legal fees. Otherwise, you could end up being liable for all these damages without warning in the event of an accident. This kind of loss could seriously damage your business if you were not protected, leading to financial difficulties.

At  Nest Insurance Agency, we can help you compare various Worker’s Compensation Insurance policies so that your business is protected based on your own needs.

4 Reasons Why many Love Home Insurance

Owning a home is an important investment in life hence it should be protected at all costs. Having a quality home insurance policy from Nest Insurance Agency is therefore very essential and shows that you are a responsible homeowner. However, most homeowners are unaware of the benefits associated with this insurance policy. Below are four reasons why many residents of Lubbock and Amarillo, TX love home insurance.

1. Protection from risk of Fire

Notably, there are approximately 1.5 million cases of fire in the United States every year. This results in damage to property worth at least $14.3 billion according to National Fire Protection Association. According to research, the main cause of these fires is cooking. However, home insurance owners are always at peace of mind since this liability threat is covered by their insurance policy. As such, you should consider purchasing this policy.

2. Protection from Theft

According to FBI reports, an average of 1 million home invasions are reported every year leading to an approximate property loss of an estimated $2,296. Most of these burglaries occur between 10 a.m. and 3 p.m., a time when most people are at school or work. As such, it is tough to curb them. However, those with a home insurance policy do not have to worry about the safety of their property since all liabilities are covered.

3. Protection from things which fall from the sky

Because there is numerous plane crashes in the recent past, you will need a reliable home insurance coverage policy to help you repair the roof, and other parts of the house in case plane debris falls on your house.

4. Protection from Vandalism

Notably, acts of vandalism mostly occur at night whereby unruly crowds can throw objects at your home causing significant damage. Also, you might wake up to find graffiti drawn on your wall and therefore it would require repainting. For those residents of Lubbock and Amarillo, TX, having a quality home insurance policy from Nest Insurance Agency guarantees such liability claims will be catered for.