Insurance News Center

With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. MountainOne Insurance is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line.

Commercial Property Insurance

In the case of a catastrophic event such as a fire, explosion, burst pipe, storm or theft, commercial property insurance compensates you for...

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Landscaping can be a competitive and rewarding field, and years of hard work can help organizations establish a strong customer base and reputation. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly.

Depending on the complexity of your landscaping company, there are a number of exposures to consider, including risks related to property, worker injuries and even the environment. The list below provides an overview...

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Nonprofit organizations provide essential social services that benefit communities and their members. These organizations cannot survive without a solid volunteer Board of Directors assigned to elect officers, adopt policies and make major financial decisions for the organization. Although the members of the board are volunteers, there is a certain amount of risk involved in holding one of these positions. Specifically, even when acting in good faith, board members are subject to personal...

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In the event that one of your staffers gets injured on the job, workers’ compensation insurance will cover his or her medical costs and wages during the recovery period.

The Basics

Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. If one of your employees is injured on the job and is medically authorized to take time off from work, he or she will be reimbursed for lost wages and all of the...

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The WC (workers' compensation) insurance system is a no-fault method of paying workers for medical expenses and wage losses due to on-the-job injuries. While the majority of WC claims are truthful, the National Insurance Crime Bureau reports that billions of dollars of false claims are submitted each year. To help you detect possible WC fraud, experience shows a claim may be fraudulent if two or more of the following factors are present:

  1. Monday Morning: The...
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For the unprepared, workers’ compensation (WC) issues can be both confusing and costly. Fortunately for employers, there are ways to actively engage WC issues to influence their outcomes.

Through management controls and active involvement in the WC process, your organization can effectively influence related costs. To do so you will have to establish a number of your own processes that guide decision making throughout your organization.

Areas requiring WC management can be...

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