K. L. Owens and Associates LLC works with businesses all over the country to make sure they have the appropriate workers compensation insurance. But, even if your business has the right insurance coverage and they don’t know how to properly file a claim or help and injured employee walk through the process of receiving their benefits, the insurance does little to no good. That is why we believe that the HR department should understand how to help file claims. 

Workers compensation is a benefit to employees and it’s a part of the hiring process. This is why it is so important for your HR department to understand your company’s workers compensation benefits and filing process.

When your employee gets hurt, they will not only be entitled to the workers comp benefit, but they may also have protection from related laws such as the ADA, FMLA, Collective Bargaining Agreements, or Pregnancy Discrimination. The part of your business that understands these best is your HR team. They should be equipped to manage risk. HR cannot be excluded from the workers comp discussion because they are ultimately responsible for the employee’s benefit management.

Human Resources must understand the basis for workers compensation benefits. Make sure that your HR team has been trained in how to navigate workers compensation claims and how they can affect their HR policies.

A question that is often asked by injured employees, “Will Medicare cover my future medical expenses for my workers’ compensation injury if I settle my case?” Unfortunately, the answer to that question is less than straightforward, K. L. Owens and Associates LLC is going to try to shed some light on the possible answers for you.

The Legal Ramifications of a Settlement

When you settle your workers comp case, you should expect it to be final. Settlements almost always come with a binding contract, and you need to be fully versed in the fine print so that you fully understand the impact. Before agreeing on your settlement, it is essential to take a full inventory of any possible future medical expenses, including over the counter medications.

Medicare

If you are already collecting Medicare benefits, it’s likely that you’ll need to delegate a portion of your settlement for future medical expenses. If not, Medicare may refuse to pay for medical coverage relating to your injuries. Determining just how much you should set aside can be a complicated process, and often third parties are hired to help determine an exact figure.

Future medical expenses can go much beyond your original estimations. Keep in mind services that Medicare might not pay for, such as in home care or the coinsurance amount on covered services. When you are working through a settlement on your workers comp claim, it is essential that you carefully plan for all future expenses and possibilities.

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You’re a creative, an artist, a designer and conceptualizer of beautiful, unique works of art. K. L. Owens and Associates LLC understands that dealing with the nitty gritty, hard numbers, facts, and paper work is not high on your list of fun things to do. We’re here to help. K. L. Owens and Associates LLC provides insurance for graphic designers and creatives like you across the country.

You are under tight deadlines with clients that can be overbearing and hard to please. While you try your best to complete every job on time as specified, sometimes your timelines get overbooked and a project gets delivered late, or even worse, one of your designers did not properly spell check their latest design. These are only a few of the things that graphic designers have to worry about. The other common concern that designers are constantly fighting against is copyright infringement. To keep you and your agency protected, you need to have an Errors and Omissions insurance policy.

Errors and Omissions policies help protect your service oriented business from any damages that may occur if you do not deliver exactly as promised, or if one of your products leads to injury or fiscal damage to your client. In addition to covering these kinds of potential claims, your Errors and Omissions policy may have a business interruption cover that will safeguard your business against anything that could potentially halt your production such as fire, flood, or other natural disaster, until you can again get your offices up and running.

For a free quote on Errors and Omissions insurance for your graphic design company or agency in Georgia, or across the US, just give us a call at K. L. Owens and Associates LLC! 

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K. L. Owens and Associates LLC. has a history of working with business that are high-risk and have a difficult time finding appropriate insurance. We specialize in working with clients who have previously had a claim against them and are finding it difficult to find coverage at an affordable price. The day spa business has been a historically difficult market for businesses to find appropriate insurance coverage, at an affordable price. K. L. Owens offers competitive pricing on virtually all services offered by your Day Spa.

Day Spa insurance is available for an individual technician or the entire facility.

Our Day Spa insurance program offers the following coverage:

• Facial & Peel Insurance
• Microdermabrasion Insurance
• Wax Removal Insurance
• Massage Insurance
• Body Wrap Insurance
• Eyelash Enhancement Insurance
• Eyebrow Enhancement Insurance
• Airbrush Tanning Insurance
• Hair & Nail Insurance
• LED/Microcurrent Insurance
• Electrolysis Insurance
• Products Lability Insurance
• Foot Detoxification Insurance
• Permanent Makeup Insurance

If your Day Spa offers a service that is not on this list, please do not hesitate to contact us. We are able to keep current with new trends and offer coverage for services that other carriers may not, including Brazilian waxing insurance and infrared sauna insurance. K. L. Owens and Associates LLC. looks forward to working with you and your Day Spa in Georgia, or anywhere in the United States! Give us a call today to get a free quote! 

Starting up a new business is fun, exciting, and scary at the same time. Even being an established business can be scary at times if you don’t know what direction you are heading in, much less how to get there. K. L. Owens and Associates LLC has seen many businesses get through their beginning stages to become a true success story, but they went through the process of setting goals. Using these 5 easy steps is a great way to make goals for your company that are achievable.

Specific: The number one rule of a great goal is that it is well defined, and specific. Specifically challenging yourself to “generate $5,000 more revenue next month” is must more driven and directive than simply “make more money.”

Measurable: How will you ever know if you’ve achieved your goal if you can’t measure it. Attaching a solid number to your goal will help you measure its success, and how much further you have to go.

Attainable: Becoming a billion dollar business in only a year is not something attainable by the majority of businesses out there. When you make your goals, don’t go by low standards, but make sure your goals are actually within your company’s reach – or just beyond them to make you strive to keep going and surprise yourself when you get there.

Relevant: Keep in mind the outside influences that your business has to cope with. Is there currently an economic recession and you’ve just lost your best sales person due to retirement? Keep these things in mind when setting your goals and realize that there are always outside factors to contend with.

Time-Based: Give all of your goals a time frame. The open ended goal of “becoming rich one day” is rarely achievable unless you put a mark to “become a self-proclaimed millionaire by 35.”

And a last piece of advice from K. L. Owens and Associates – especially if you are starting your own business – just go for it! You’ll never get to the top without trying, but making calculated risks is the key to huge success.

While you are increasing your business, month-to-month, year-to-year make sure that you are staying on top of your insurance needs. As your assets increase and your exposures change – and you become a bigger competitor in your market – you need to be sure that you are covered from any potential professional liability or other claims. We’d love to help you assess where you are at, and help you reach your goals. Call us today for a free insurance quote to meet all of your Georgia business needs!

The cooler weather has already started to creep in here in Georgia in the early morning hours and depending on where you are located across the country, you could be really starting to feel Fall blow in. This is the time of year when the occurrence of house fires increases dramatically due to the use of heaters, electric blankets, and fireplaces so K. L. Owens and Associates LLC has some tips to help you avoid house fires. 

Use Products Only As Intended

Most house hold products have been marked with a “UL” sticker. That sticker means that the product has been tested and certified by the Underwriters Laboratories – a non-profit company that ensures that household products are safe for use. When choosing products to use in your house, make sure that you only select those that have been tested and approved by the UL.

Every product comes with some kind of warning label or directions for use. Before plugging in your new space heater or electric blanket, make sure that you read these directions thoroughly and note how far away you should position heaters from curtains and furniture and how long you can leave a heating blanket on before it becomes unsafe. If you are using an old product that you have had for many years, each time you pull it out of storage for another season of use, check all of the wiring and casing and make sure that nothing is frayed or broken that might make for a safety hazard.

Specific Safety Tips

• Do not use extension cords with space heaters unless absolutely necessary
• Replace any heating blankets that are worn or torn, specifically if the electric cord is frayed or the temperature control is damaged.
• Place candles out of reach of children and pets.
• Place space heaters away from drapes, furniture, and any other flammable objects.

These are just a few of the things that you should keep in mind when trying to keep warm this winter. K. L. Owens and Associates LLC wants to make sure that your family is safe!

Skating rinks and family fun centers carry insurance so that they will be protected in the event of an accident by one of their employees or customers. It is essential to have the right amount of coverage so that you are protected in the event that a claim is filed and you are responsible for damages. Without insurance, how would you expect to pay for your lawyer fees, the fees of the claimant ‘s layer, their lost salary due to injury, etc? Many times, if a skating rink is operating without insurance and a claim is successfully filed against them, it almost ensures bankruptcy. K. L. Owens and Associates LLC does not want to see you and your skating rink or family fun center in that kind of situation! That is why we are here to help make sure you have the right amount of coverage to suit all of your properties and exposures. But, did you know that often times, a claim is dropped because it was not considered valid?

What Happens When a Customer Files a Claim

When a customer is injured on your property, they have the right to file a claim against your insurance. Your insurance company will investigate the circumstances of the accident and determine whether or not the business is liable for the accident. You will only be responsible for the damages if your skating rink or family fun center was directly responsible for the accident because of negligence. If a customer simply gets hurt because they fell while roller skating, the skating rink is not responsible.

If you have questions about the insurance for your roller skating rink, ice skating rink, or family fun center, give us a call at K. L. Owens and Associates. We have been writing roller skating rink insurance for over 15 years and have great relationships with our underwriters to help you get the best coverage at a great rate!