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Selecting A Business Insurance Broker: 5 Questions to Consider

Business insurance is a complicated matter. To make sure you’re getting the best coverage, rates and services, you need to enlist the help of the right business insurance broker. To find that perfect match, consider these issues.

Independent or Captive?

Once you have a policy, your insurance carrier will provide your coverage and pay out any claims. To get a policy, you typically need to go through an agent, also called a broker. There are different types of agents, but they’ll generally be classified as either captive or independent.

A captive agent works for one carrier. This means that the agent will only be able to offer you policies from a single carrier, even if other carriers may be a better fit for you. 
An independent agent, on the other hand, is contracted with multiple carriers. This means that the agent can select from a much wider range of policy options in order to find that coverage and rates that best fit your needs. 
More Questions to consider : Here

I will locate the best coverage at the best rates 
Just contact me. 

Brant Watson
Practice Leader
D: 925.295.2506
C: 925.330.1151
brantw@heffins.com

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Forward-Thinking Business Insurance for 21st Century Exposures

Heffernan’s claim, loss control, HR consulting and risk assessment services add value to your commercial insurance coverage program in both traditional insurance placements and as an integral part of an alternative risk transfer program, including self- insurance, jumbo deductibles , and captive insurance arrangements.

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Running a business is no easy task. In addition to the everyday challenges of keeping customers and employees satisfied, you have to contend with the extraordinary challenges of operating in a tech savvy, litigious and rapidly-changing world. When you open for business each morning, you never know if you might encounter a data breach, an employment practices liability lawsuit, or a new health reform compliance requirement.

Heffernan’s claim, loss control, HR consulting and risk assessment services add value to your commercial insurance coverage program in both traditional insurance placements and as an integral part of an alternative risk transfer program, including self- insurance, jumbo deductibles , and captive insurance arrangements.
With the cost of traditional insurance on the rise on some lines of insurance, 2019 may be a good year to explore your options.
To find out what Heffernan can do for your business, please just contact me, today.

M…

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Insurance renewal creates an excellent opportunity

When your commercial insurance renewals comes due keep us in mind.  Heffernan’s access and service platforms are exceptionally unique.   This creates an excellent opportunity for you  to explore multiple coverage, cost and service options in the changing marketplace,  especially If you have not shopped outside your current brokerage relationship recently.  

Contact me today to learn more about the best possible insurance for your needs.
Best Regards,

M. Brant Watson
Senior VP
D: 
925.295.2506
C: 925.330.1151
Contact brantw@heffins.com

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Managing Employment-Related Exposures in the Home Health Industry

The home health care industry is booming. With massive job growth expected over the next decade, this is an exciting time for home health care companies. However, hidden in all this opportunity, there is risk. Owners must be aware of changing labor laws and current best practices to manage the risk of lawsuits and to control the cost of workers’ compensation claims.

Employment-Related Exposures

As you know, home care workers have been entitled to minimum wage and overtime pay since 2015. The Department of Labor has set clear guidelines for when workers must be paid, and this may include some travel time and time spent waiting to be called on.

Numerous lawsuits have been filed against the home health industry since the law changed. Some of these lawsuits have come from the Department of Labor. According to Bloomberg, the Department of Labor sued at least five home care companies in separate cases during a three-week period in spring of 2018. The lawsuits claim wage and hour violations related to the 2015 law.

Other lawsuits have originated with the employees. For example, CBS 4 News reports that former employees have sued a home care agency in McAllen for failure to pay overtime between 2015 and 2017.

Work Comp Exposures Read More

brant sig

M. Brant Watson
Senior Vice President
Heffernan Insurance Brokers
D:  (925) 295-2506
M:  (925) 330-1151
Email brantw@heffins.com

Featured

Could You Benefit from Joining a Captive Insurance Program?

Risk management comes in many forms. In traditional insurance, you pay a premium to an insurance company, and that company handles your claims. It’s simple and effective – but it’s not the only model out there. Captive insurance is an alternative way to manage your exposures. Keep reading to learn more about benefits and risks – and whether it could be right for you.

What Is Captive Insurance?

A captive insurer is owned by the insureds. It can be thought of as a type of self-insurance, but it resembles a traditional insurer in many ways, with the essential difference being that it’s owned and controlled by the participating businesses (the policyholders).  

Captive insurance is appealing for a number of reasons: Reads More

brant sig

Regards,


M. Brant Watson
Senior Vice President
Heffernan Insurance Brokers
D:  (925) 295-2506
M:  (925) 330-1151
Email brantw@heffins.com

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Insurance for Senior Living Communities

As an administrator of a senior care and living community, you are part of a rapidly changing industry that is expanding services and capabilities in order to meet evolving market demands. You are deploying new offerings for patients such as expanded recreational therapies and additional home-like amenities.

Outside influences, such as healthcare laws and insurance regulations, make providing these specialized services subject to more scrutiny and risk than ever before.

As a result, your residential care business is taking on more risks every day.

Heffernan Assisted Senior Living Business Insurance experts serve:

  • Senior living communities
  • Assisted living facilities
  • Assisted living for developmental disabilities
  • Adult day care
  • Continuing care retirement center (CCRC)
  • Convalescent homes
  • Individual living centers
  • Nursing homes
  • Residential care facilities
  • Retirement apartments(not licensed by the state)
  • Skilled nursing
  • Any “out-of-home” care community

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Upcoming Webinars

Below are the upcoming webinars. The full year calendar:
Attached is our full calendar for your reference. Upcoming webinars:   To Register just click on the desired Webinar. 
Tuesday, June 4 HR and Payroll Record Retention
Tuesday, June 25 HR and Payroll Record Retention

Just Contact me if you have questions.

M. Brant Watson
Senior Vice President
Heffernan Insurance Brokers
Email brantw@heffins.com
Office  800-234-6787
Mobile   925-330-1151 

Featured

Insurance Renewal Creates An Excellent Opportunity

When your commercial insurance renewals comes due keep us in mind.  Heffernan’s access and service platforms are exceptionally unique.   This creates an excellent opportunity for you  to explore multiple coverage, cost and service options in the changing marketplace,  especially If you have not shopped outside your current brokerage relationship recently.  

Contact me today to learn more about the best possible insurance for your needs.
Best Regards,

M. Brant Watson
Senior VP
D: 
925.295.2506
C: 925.330.1151
Contact brantw@heffins.com

‘Manage risk to lower cost + webinar calendar.

Progressive Insurance Ideas
Heffernan’s reputation and success was built through niche practice business such as nonprofit, construction, healthcare, transportation, hospitality, food industry, real estate and technology.
With ten branch offices coast-to-coast and approximately 450 staff, Heffernan’s reach spans virtually every industry.Heffernan will evaluate your current plan, your unique community and emerging trends in the industry and consult with you to develop a customized risk management solution. 
Think like a risk manager to protect your small business profits
For many small business owners, “risk management” means buying insurance. But while insurance coverage is a crucial part of any risk management strategy, it’s only one piece of the bigger picture
Capabilities Overview

Walking for Exercise has Many Benefits for Seniors

MorningStar Senior Living

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Experts agree that walking is beneficial to seniors’ health as it can stop bone mass loss, strengthen leg and abdominal muscles, and improve circulation by helping to lower blood pressure and reduce the risk for heart disease.  Walking can also lead to weight loss or maintain your weight, help you sleep better, increase your mental sharpness, and improve balance and stability.  It can even increase your lifespan.  However if you have not exercised in a while, doctors recommend you start slowly and only gradually increase your distance and pace.

If you let your health care provider know you are going to start walking, they can help you determine a safe starting point.  From the onset you may only be able to walk a short distance, but over time, you will be able to go farer and should start noticing benefits fairly quickly.  Additionally experts say even if you need a…

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Progressive Business Insurance for the Modern World

Heffernan’s reputation and success was built through niche practice business such as nonprofit, construction, healthcare, transportation, hospitality, food industry, real estate and technology.
With ten branch offices coast-to-coast and approximately 450 staff, Heffernan’s reach spans virtually every industry.Heffernan will evaluate your current plan, your unique community and emerging trends in the industry and consult with you to develop a customized risk management solution. 

https://conta.cc/2UAJXxP

Need to Downsize Before Moving to a Senior Community?

Assisted Living that Creates a True "Home"

morningstar general 14

If you are ready to move from your family home into independent or assisted living, we have some helpful suggestions to help you organize and downsize your life’s possessions.  Organizing experts caution that while the task may seem overwhelming, you need to create a plan, take it one step at a time, and give yourself plenty of time.  If you are unable to do the work due to your health, there are professionals you can hire that specialize in helping seniors move.

It is recommended you start in one room and work from there.  Recruit as much help as you can from family and friends and set up piles of items you will keep, stuff to donate or sell at a yard sale, and things you want to gift to people.

Always keep in mind that your new space is most likely going to be smaller so get rid…

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