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Four mistakes business owners need to avoid when dealing with workers compensation claims

Handling a worker’s compensation claim at your company properly is important in minimizing costs and avoiding lawsuits. If you don’t handle claims properly, you might find yourself dealing with a disgruntled employee with an injury for which you are clearly liable. As the employer.

By avoiding the following four mistakes, you should be able to avoid worker’s compensation complications:

Procrastinating about investigating a recent injury

The best time to investigate an injury report from a worker in New York, NY is immediately when the injury occurs. Don’t waste any time. The sooner you get to the site of the injury, the sooner you know exactly what is going on and what your liabilities are as the employer. 

Not adequately communicating with an injured employee

You need to really go out of your way to show your concern for an employee injury. If you don’t make the injury a priority when it happens, your employee might begin to feel suspicious that you’re not going to offer any worker’s compensation coverage to help him or her through the difficulties.

Failing to submit a claim to your worker’s compensation insurance provider right away

As the employer, you function as a sort of middleman between your employee and a worker’s compensation insurance provider like Willis Personal Lines. You need to communicate between the two and immediately notify your insurance provider of any worker reported injury. If you procrastinate, it will look badly from the perspective of both your employee and your insurance provider.

Neglecting to compile all the necessary documentation regarding the injury

Not only do you need to investigate the accident immediately, but you also need to document your investigation with written statement, photographs, and more. 

Do You Own More Than One Small Aircraft? Bundle Your Insurance

At Willis Personal Lines, we have worked with airplane owners like you for decades. If you live in New York, NY and are looking for a way to save money on your policies, please contact us to learn more about how bundling your policies can keep your insurance expenses lower.

Airplane Insurance Can Be Pricey

Due to the unique nature of airplane insurance, it can cost thousands of dollars more than a typical auto policy. People who own their own airplane can likely afford that kind of insurance. However, individuals or companies who own multiple planes may suffer from expensive individual policies that can make their flight business hard to operate. Thankfully, bundling is a useful way of saving money.

How Bundling Helps

Insurance bundling is the process of covering multiple vehicles, such as planes, under one policy. The company who offers this bundle decreases the total cost of the policy as a way of rewarding the customer for their loyalty. It also helps lower the price that you will have to pay while providing you with high-quality insurance. This is especially true if you perform a few simple steps to decrease your premium.

Other Ways To Save Money

Lowering your bundling policy cost is as simple as performing a few simple steps. For example, you can regularly train your pilots to ensure they know how to avoid accidents. You can also get your airplanes updated with new safety features and improved aviation features. Obtaining life insurance for your pilots will also decrease your insurance premium rates.

Get The Bundle You Need

Anyone in New York, NY who thinks they want a bundled policy should contact us at Willis Personal Lines. We’ll identify a bundle that works for you and helps decrease your rates exponentially.

RV insurance; Factors to Consider

Are You Properly Insured? Here is What is Considered

Recreational vehicles (RVs) are unique cars that are designed and equipped with amenities and living space. The vehicle contains all the items you may need for long distance traveling and vacations. These include bathroom, kitchen, and a sleeping area just to mention a few. They are the best for camping and vacationing.

RVs are precious, and it is wise for you to find the right insurance to protect them against risks like damage after an accident, theft and other calamities like fire and floods. RVs are prone to any risk associated with road hazards and therefore require proper protection.  Willis Personal Lines Insurance is here to provide quality coverage for New York, NY dwellers.

What is covered under RV insurance?

This policy caters for all the repairs and replacing cost for the whole vehicle after damage. It also pays for legal expenses under liability coverage in case you are at fault in an accident and causes damage to another person’s property. The insurance policy will also help you pay for medical bills. To ensure that you are adequately covered there are factors you ought to consider and they include;

How often you use the vehicle

This is the most important factor since the coverage will vary. If you use the car on a full-time basis, you will require greater coverage than a person who uses it occasionally for trips.

The items contained in the vehicle

If you are a full-time user, you will need higher coverage since you are likely to keep a lot of things in the car like laptops, a TV all of which will require protection in case of theft or damage.

Storage

Where you store your RV will also determine the kind of insurance to purchase. Consider the climate, weather hazards or other risks like theft that the vehicle might be prone to in its area of storage.

The areas you travel

The distance you travel and the places you visit should be put into consideration too. If you go for long distance and visit dangerous places, you will require a greater coverage.

Type of the car

The cars come in various classes, and Class A vehicles are most expensive to insure. The trucks campers and travel trailers are relatively less costly to insure since they hold few amenities and their replacement and repair cost is low.

Do not hesitate to come to Willis Personal Lines Insurance Agency if you are an RV owner in New York, NY. Come and let us assist you to get a comprehensive coverage that will suit your needs after analyzing the mentioned factors.

What Exactly Can Motorcycle Insurance Cover?

It is always smart to have motorcycle insurance even if you are not required to do so. If you are considering motorcycle insurance or already have it, then you likely have a good idea of what it can basically cover for you. However, you may not know exactly what it can cover and there are a few things that are not well known that motorcycle insurance can cover. These are just a few of those things according to Willis Personal Lines serving New York, NY. 

  • It can cover your protective gear. Beyond protecting your motorcycle, it can also protect all of your protective gear that you wear while riding. These are items such as your helmet, your leather apparel for riding, gloves, and more. These items can be expensive but if anything were to happen to your gear, your insurance policy can help you replace it. 
  • It can insure specialty bikes. Even if you think you cannot get motorcycle insurance because you had a custom bike made or it is a specialty bike, you should think again because there are even policies for that. 
  • It can cover things like an ATV, a scooter, a Segway, a golf cart, and a snowmobile. Even though these are not typically motorcycles, you can get a motorcycle insurance policy to cover these items. It will need its own policy or will need to be added to your current policy, however. It is not an automatic coverage if it is not listed. 

If you would like to learn more about your options in terms of motorcycle insurance, be sure to reach out to Willis Personal Lines serving New York, NY. They can look up a few quotes for you and make sure that you get options that meet your needs and fit within your budget. 

Damage While Moving a Boat by Trailer

Moving a boat in New York, NY is a common task when it comes to smaller vessels. Most boat owners know how to manage their vessel on a related trailer when towing it. However, different circumstances can raise additional risks. Bad drivers on the road, hiring someone else to do the transport, or a friend borrowing the boat can all contribute to problems a boat owner normally doesn’t deal with. And when the damage does occur, because the hull is often exposed, the damage can be significant even if it’s just a small hole or crack, making the boat useless until repaired.

However, insurance can get a bit confusing during transport, according to Willis Personal Lines. This is because most boat insurance policies are written for boating conditions in the water, not on land. When the boat is being moved on land, different circumstances and risks apply, which many times are not included in a boat insurance plan. In many cases, the driver’s auto insurance policy would cover what is being towed on an attached trailer if the appropriate language is included in the auto policy. However, this can be a problem if the auto policy is only for damaged caused to others.

If there is no recovery within the owner’s policy or driver’s policy, then the boat owner has to a file a claim with whoever caused the damage, assuming that party has an insurance plan to address the matter.

Because of these above nuances and questions, which a boat owner doesn’t find out until the accident happens, it’s smart to go over one’s boat insurance details with an expert agent like Willis Personal Lines before the move occurs. New York, NY can have some crazy congestion at times, so planning is smart thinking.

When Is the Best Time of Year to Purchase a Home?

With the weather warming up outside, you may be ready to start looking at homes for sale. If you are ready to buy a home, you may be tempted to jump into the waters since this is the busiest time of the year for real estate transactions. However, you want to make sure you take into account some considerations to ensure that you get the best price in New York, NY. So when is the best time to buy? According to Willis Personal Lines, you can save a lot of money in the fall and winter. 

Why Later in the Year is Better

While spring and summer may be the busiest times, you are also facing a lot of competition. This drives the prices of homes up all over the United States. Because more people are looking to make a purchase, there will be more offers made on homes. Even if you find the home of your dreams, you may realize that with other offers coming in, your offer may not be high enough and even if it is, it is more than you would pay during the slower months. If you can, you should consider purchasing later in the year when there is not as much competition in the market. One downside to this is that there may not be as many homes on the market so keep in mind that if you do find your dream home and can afford it, you should still make an offer no matter what time of year it is. 

Once you purchase your new home, you will need a great home insurance policy to protect it. Be sure to contact Willis Personal Lines, serving New York, NY, to get some quotes on policies that meet your needs. 

The Dangers of Too Little Auto Coverage in New York, NY

With so many people in New York NY, there’s never any want for excitement and life at every turn, and that’s part of what makes the city so incredible. While New Yorkers don’t have to be told that they live in a dangerous place, they may not fully consider what they need from an auto insurance policy so they don’t risk being caught in a situation that could have been easily avoided.

Taking Precautions

Willis Personal Lines has insured New York drivers for long enough to know that this city may have more dangers than anywhere else in the world. With cabs, pedestrians, and traffic everywhere, there’s a lot that can go wrong. Add in the cold winters with their slick, icy patches and snow banks, and things get even more complicated. Uninsured drivers, distracted walkers, and bikers trying to outfox basic traffic laws all make for hazards everywhere you turn. If you don’t know how you’re covered in each of these situations, you may end up getting a very unpleasant surprise should you be liable for an event that you’re not covered for. The dangers are real, and best prepared for now rather than later. 

Finding a Policy 

Willis Personal Lines serves the people of New York NY, and we invite you to find out more about our rates and policies. Whether you choose to update your coverage or not, it’s important that you at least understand how it all works. While accidents can and do happen anywhere, your chances are simply higher in a city that relies on congestion to get everything done. Call us if you’re looking for better coverage or if you just want to see how your policy fares against the most common (and least common) scenarios. 

Hit a Deer? Do These 3 Things Next

At Willis Personal Lines Insurance in New York NY, they have seen many insurance claims due to a car colliding with a deer on an open road. The results can be tragic, and it’s always a good idea to use extreme caution when on a road where deer are often seen. However, it’s important to know what steps to take when you hit a deer as well. 

1. Move to the Side of the Road 

If it’s possible, move your car to the side of the road in a safe place. Turn on your hazard lights. If you have to leave your car for any reason, be careful to stay out of oncoming traffic. Remember, that most accidents involving deer and cars happen right at dusk or before dawn, during a time when you or your car will not be easy to see for passing motorists. 

2. Alert the Police

Once you are off the road and safe, call the police so that they can come assist you and take a report. Let the authorities know if the deer is blocking the road and a danger to motorists. This report will help you to file your insurance claim later if your car is damaged. 

3. Never Go Near the Deer

While it may be tempting to go see if you can help the deer, it’s not a good idea to approach a wounded animal. It is possible that the deer is wounded and frightened. If it uses its powerful legs and hooves on you, it could be dangerous and fatal. 

These are just a few of the steps you need to follow if you have hit a deer on the highway or back roads. Contact Willis Personal Lines for help with your claim and to answer your questions.  

How to Buy a Home Insurance Policy That Works for You

Your home insurance policy should be a dynamic presence in your life, but getting started can be an overwhelming process. Not only can it feel like an expense you can’t afford, but it may also be difficult to think about the things that can go wrong. If you live in New York, NY, keep these tips in mind from Willis Personal Lines. 

Thinking Ahead 

Finding a policy for you should be about home values in the future as much as it is about what’s valuable to you today. Whether it’s the inside of your home (e.g., clothes, jewelry, etc.) or the home itself, the more thought you put into it, the more you’ll get out of it. Coverage that doesn’t ignore that destructive events can and do happen is a must to getting a policy that can actually work for you. This may mean getting comprehensive coverage or add-on clauses for your home. 

Talking to Someone 

The best way to find a policy for you is to chat with someone who has the answers. Willis Personal Lines helps homeowners who live in New York, NY who aren’t sure if they’re doing everything possible to protect themselves that they could be. With us, you have a chance to tell us about where you live, what you do, and the types of events that happen in your neighborhood. We do it all to give you the facts before you make any final decisions. 

Because your home changes constantly, so too does the coverage you need to keep it safe. When you consider the best home insurance policy, keep in mind that what you need today may be very different than what you need tomorrow. Call our agency today for a better idea of how it all works. 

Is It Beneficial for Newlyweds to Combine Car Insurance Policies?

It is likely that you weren’t thinking about car insurance after the marriage proposal. However, once the decorations have been cleared and the honeymoon journey has subsided, you may want to investigate combining car insurance policies in New York, NY. Car insurance is typically less expensive for married couples, with a few caveats.

Saving without Combining

Even without combining policies, you will likely save money for just being married. This is because insurers have found that married couple are less likely to file a claim when compared to single drivers with a comparable profile. Therefore, they are generally less risky to insure.

When to Combine

To gain a better discount, combine your and your spouse’s policy into one. This is a good course of action even with a spotless driving record and no gaps in insurance coverage. In addition to the lower rates, two cars on a single policy provide multi-car discounts. Even with a single vehicle in the household, you can earn discounts. Furthermore, combining the policy with a renters’ or homeowners’ policy from the same company will likely provide larger discounts.

When not to Combine

If one of you has a terrible driving record then it’s best to separate policies. Even living under the same roof as the poor driver can negatively impact your policy. However, by using driver exclusion, you can keep costs low when your spouse is a high-risk driver. This defers them to their own insurance policy.

Give it a Try

The first step is to request a quote from Willis Personal Lines with the addition of your spouse to the policy. This does not obligate you to follow-through on the change. Also, place the person with the best credit score and the better driving record as the primary on the policy. This will lower costs due to risk levels.