What to look for when shopping for renters insurance If you rent a house or apartment and experience a fire or other disaster, your landlord’s insurance will only cover the costs of repairing the building. To financially protect yourself you will need to buy renters or tenants insurance. Renters insurance protections Like homeowners insurance, renters insurance…
Lowering your Experience Modification Rate is a long process that starts with a safety plan, actionable steps to improve safety, and training to ensure that employees are safe on the job. You will need to set realistic goals and work tirelessly alongside employees and managers to lower the frequency and severity of injuries. Contractors have…
Dear Valued Customer, In this issue of the “————–” we focus on the subject of fire in a home, what to do before, during and after one; and how to prevent a fire. Every day Americans experience the horror of fire but most people don’t understand how dangerous it can be. Fire is fast, so…
Every day Americans experience the horror of fire but most people don’t understand fire. Fire is FAST! There is little time! In less than 30 seconds a small flame can get completely out of control and turn into a major fire. It only takes minutes for thick black smoke to fill a house or for…
Create and Practice a Fire Escape Plan In the event of a fire, remember that every second counts, so you and your family must always be prepared. Escape plans help you get out of your home quickly. Twice each year, practice your home fire escape plan. Some tips to consider when preparing this plan include:…
Most home fires occur in the kitchen while cooking and are the leading cause of injuries from fire. Common causes of fires at night are carelessly discarded cigarettes, sparks from fireplaces without spark screens or glass doors, and heating appliances left too close to furniture or other combustibles. These fires can be particularly dangerous because…
An EMR or experience modification rating (also called a XMOD rating or factor) is used to price workers’ compensation insurance premiums. Think of it like your credit score or car driving history, where third parties consider your history as an indication of future risk. In construction, insurance companies use an organization’s EMR to gauge the…
Whether you are a small, medium or large-size company, one of the most basic costs of doing business is insuring your employees against injury on the job. Almost every business in the U.S. that has employees is required to have a workers’ compensation insurance policy. How are workers’ comp premiums calculated? Workers’ comp insurance premiums…
Dear Valued Customer, Workers’ Compensation insurance is available in all 50 states, and a legal requirement in 49 of them, with Texas being the exception. Workers’ Compensation insurance provides wage replacement and medical benefits to employees injured on the job. A Workers’ Comp premium can also become one of the highest costs on your company’s…
Reduce Their Risk In the United States, motor vehicle crashes are a leading cause of death among children. In 2017, 675 children 12 years old and younger died in motor vehicle crashes, and nearly 116,000 were injured. Of the children 12 years old and younger who died in a crash in 2017 (for which restraint…
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Landscape Contractors Insurance Services, Inc.
A Division of World
1835 N. Fine Ave, Fresno CA 93727
Tel (800) 628-8735 Fax (559) 650-3558
CA LIC # 0755906