Should HR Understand the Workers Comp Process?

Antique Safety PostersK. 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.

Workers Comp., Future Medicals, and Medicare

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.

Workers Comp SettlementThe 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.


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.

Img via Flickr.


Insuring Your Creativity

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.

E&O Insurance for Graphic DesignersYou 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! 

Img via Flickr. 

Insurance Terms Everyone Should Know

Commercial InsuranceIf you own a car, own a home, run a small business, or have health insurance (this should cover just about all of you) you need to know these two insurance terms. They are included in almost every insurance contract and it is essential that you are educated about what they mean related to your health, home, or business. K. L. Owens and Associates LLC. shares the definitions of these terms to help you, our customers, be educated and protected.


On any insurance plan, the deductible is the amount you must pay for covered services before your insurance coverage starts to kick in. There are both comprehensive deductibles and separate deductibles. Comprehensive deductibles go towards everything on your insurance, while other items may have a separate deductible that must be paid per service. Your deductible directly effects your insurance premiums. Generally, lower deductibles have more comprehensive coverage, but come at a higher premium cost.


Co-insurance is a the percentage of the claim that the insurance company is responsible for. Typically, a percentage is determined on the Declarations page of the policy. This percentage is used in a formula to determine how much to pay in the event of a loss or claim. For example, if the policy states that there is a 30% co-insurance fee, that means the policy holder is responsible for 30% of the cost and the insurance company is responsible for the remaining 70%.

K. L. Owens and Associates LLC. feels that the best way to protect our customers is to help them stay educated about their insurance policies, exposures, and coverages. If you would like a free insurance consultation and quote for your Georgia based business, or any business in the US, just give us a call today!

Finding Insurance for Your Day Spa

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.

Day Spa MassageOur 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! 

Setting SMART Business Goals

Setting GoalsStarting 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!

3 Tips for Buying Small Business Liability Insurance

As a small business owner, every dime counts. You are trying your best to keep your business successful and make sure that your cash flow is in the positve. If you ever had an accident or claim against your business, you want to make sure that you, your family, and all of your assets are protected. K. L. Owens and Associates LLC has three tips for you to help you when you are trying to get the right coverage at the right price for your Georgia small business.

Alarm Company Insurance1. Compare Coverage

The extent of business liability coverage is going to vary from insurer to insurer. Consider not just the premiums on the policies, but how much they actually do or don’t coverage. Make sure that when it comes time to compare, you have a full understanding of the policies so that you can compare apples to apples.

2. Bundle, Bundle, Bundle

You will almost always get a better deal on your insurance if you carry multiple policies with the same carrier. Again, make sure that the package you choose contains all of the appropriate coverage that you need. K. L. Owens and Associates LLC has experience with a wide variety of industries and we know your business. We can help you make sure that nothing will fall through the cracks.

3. Find a Specialist

Working with a broker such as K. L. Owens and Associates LLC that has experience in your industry is going to make your search for the right insurance easier. Whether you need skating rink insurance, insurance for your family fun center, alarm company, restaurant, or bar, we know how to help you.

Contact us today to get a free quote on insurance for your Georgia small business!

Don’t Burn Up This Winter

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. 

Space HeaterUse 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!

Managing Insurance For Your Mid-Sized Business

Your mid-sized business has a wide variety of insurance needs. You have to make sure that all of your company vehicles are covered while also trying to ensure that you have appropriate workers compensation insurance, too. K. L. Owens and Associates LLC can help you find the solutions that you need to cover all of your exposures with our umbrella of insurance services. 

Small Business InsuranceGeneral Liability

  • Highly qualified complex claim units specializing in mass torts, business torts, products and catastrophic losses, help manage customers’ exposures and reputation.
  • Prompt and fair payments result in fewer lawsuits.


  • We can handle the most severe and sensitive claims.
  • Our Claim Accounting Services unit consists of internal forensic accountants who assist on business interruption losses.


  • Early resolution and direct settlement strategies ensure claims are closed as quickly as possible.
  • We can handle vehicle estimates, rental, and repair quickly, and efficiently.
  • We can also handle heavy equipment claims.

Workers Compensation

  • Countrywide medical and pharmacy networks provide access to credentialed occupational medicine physicians and necessary prescription medication at negotiated rates.
  • Comprehensive medical management and cost containment strategies contribute to improved medical outcomes and loss experiences.

We have all of the coverage you need to keep your company protected in all of your exposures. To get a quote on full coverage for your Georgia business, call us today! We would love to speak with you and make sure that you and your company are protected in the event of an accident.

Just Because They Claim It

Skating Rink and Family Fun Center InsuranceSkating 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!