Workers Compensation Archives - Harry Levine Insurance

Insurance for Contractors (What It Is & Why You Need It)

Carrying the right insurance for contractors is just as important as having the right drill bit: it can keep you in business for years to come.

Construction projects are, by their very nature, filled with risk: heavy tools, sharp objects, demolition…need we say more? So when your customers trust you with their homes or businesses, it’s vital to earn and keep their trust; you can do this best by providing top-notch work and protecting them (and yourself) from that risk.

How can you do that? It’s all about having the right insurance policy.

In this article we’ll talk about the different types of insurance for contractors and how to use your coverage to increase your clients’ trust.

11 Myths About Florida Workers Comp Insurance (That You Probably Believe)

Posted on August 7, 2017 by Jason Levine in Workers Compensation with Comments Disabled

You’ve heard of workers compensation. You (hopefully) have it. You may even have had employees who needed it when they were injured on the job. But there are also many myths and misinformation about Florida workers comp insurance that you might believe. Misinformation that could prevent you from protecting your business the way you need to.

As insurance brokers, our goal is to see everyone receiving the right amount of coverage for their property, person, and business. And—whether you work for or own a business—you need to know the truth about Florida workers comp insurance.
Read more →

9 Types of Restaurant Insurance You Needed Yesterday

Posted on July 11, 2017 by Jason Levine in Commercial Insurance, Coverages, Employment Practices Liability Insurance, ID Theft, Power Outage, Spoilage, Workers Compensation with No comments

Owning a restaurant is a dream you’ve held for years and now it’s coming true! You’ve thought about your menu, seating options, even your logo, but have you thought about restaurant insurance?

Between your inventory, customers, and the business itself, restaurants carry a large amount of risk. But your pizza parlor, bakery, or cafe is also your livelihood. Is that a risk you’re willing to take? Having the right restaurant insurance policy can prevent you from having to kiss your dream goodbye.

So let’s take a look at 9 essential types of restaurant insurance that will keep you in business for years to come.

E-Commerce vs. Brick and Mortar Insurance

Posted on April 4, 2017 by Jason Levine in Commercial Insurance, Coverages, Cyber Liability, Data Breach, Workers Compensation with No comments

Let’s say that your e-commerce business has been doing so well that you’ve decided to scale things up and open a storefront or office. Do your insurance options need to change? How is brick and mortar insurance different from the coverage you had with your online business?
Read more →

Does Your Business Need Insurance?

Posted on March 1, 2017 by Jason Levine in Commercial Insurance, Professional Insurance, Workers Compensation with No comments

Let’s say you run a small business from your home. You don’t have employees; customers don’t come into your store (so no risk of them slipping on a wet floor and suing you); and your custom-designed hair bows aren’t going to injure anyone. Does your business need insurance?

In short, yes.

No matter how safe your business is—or how careful you are—there’s no such thing as a “risk-free” business.
Read more →

Workers Compensation – The Pitfalls of Trying to Cut Costs

Posted on August 26, 2016 by Kathy Barton in Workers Compensation with No comments

As Workers Compensation rates in Florida soar, with more potential double digit rate increases looming, small businesses are trying to find creative ways to cut their costs on workers compensation coverage. The end result can be very costly for the business owner. Some people are trying a new, creative way to cut costs and that is to report lower than actual payroll, so that the initial cost will be lower. There are agents out there that will allow this, and will sometimes encourage it to get your business in the door. Don’t do it. It is a trap!
Read more →

What is Worker’s Compensation Insurance?

Posted on July 29, 2014 by Jason Levine in Commercial Insurance, Coverages, Workers Compensation with No comments

I don’t safety standards allow this anymore!

Here is a brief introduction into Worker’s Compensation Insurance

Q. What is Worker’s Compensation Insurance?

A. Everyone who owns a business with even a single part-time employee needs Worker’s Comp! Worker’s Comp is an amazing product that essentially voids an employee’s ability to sue an employer for negligence/liability in the event of a workplace injury. It provides a stated limit of liability for employer negligence and unlimited coverage for covered workplace injury treatment. If an employer doesn’t have Worker’s Comp they are risking their business. Absent coverage employees may directly sue their employer. Everything from keyboard induced Carpel Tunnel Syndrome to catastrophic accidents are covered.
Read more →

What is Umbrella Insurance and Do I Need it?

Posted on July 23, 2014 by Jason Levine in Auto Insurance, Boat Insurance, Commercial Insurance, Coverages, Homeowners Insurance, Personal Lines, Workers Compensation with No comments

Julie and Jason have an umbrella!

Q. What is Umbrella Insurance and do I need it?

A. Liability Umbrella policies are incredibly valuable and affordable protection needed by individuals and business, alike. Your primary policies – home/car/boat/business owner’s/worker’s compensation/commercial automobile/etc. – provide an initial layer of liability protection. This primary coverage is often maxed out at $300,000 – $500,000 for individuals and $1,000,000 for businesses. Umbrellas can come with many different coverage limits, but the most common limits are $1 million, $2 million and $5 million. Insurance is designed not only protect your current assets, but it also aims to protect your future earning potential against wage garnishments and judgments that a major claim may give rise to. Umbrellas extend your liability protection beyond your primary coverage. Simply put, someone with $500,000 primary liability and a $1 million umbrella effectively has $1.5 million in protection (within the bounds the policies involved). Umbrellas can sometimes even provide additional coverage that your primary insurance does not.

Whether or not you buy an umbrella policy is up to you, but for guidance call your agent!