Carpet Cleaner Insurance Myths

| Business Insurance, General Liability Insurance, Workers Compensation Insurance.

Finding the right carpet cleaner insurance should not be a difficult process.  For 20 years, the team at Safeguard Insurance has worked with dozens of carpet cleaners small and large to provide affordable business insurance solutions. Our mission is to provide your business with the appropriate insurance coverage at the best possible price. To help… Read more »

Types of Contractor Insurance

| Agency Customers, Contractor insurance, General Liability Insurance, Insurance education, Risk Management, Umbrella Liability, Workers Compensation Insurance.

Contractors face a myriad of risks and require a customized business insurance program. There are many types of contractor insurance that should be considered. Fortunately, the professional agents at Safeguard Insurance have been working with contractors, large and small, for nearly 20 years. We can help contractors find the right insurance coverage, at the right… Read more »

Manufacturing Insurance

| Business Income, Business Insurance, Commercial Auto Insurance, Commercial Property Insurance, Products Liability, Workers Compensation Insurance.

Any business that makes products intended for use by others needs manufacturing insurance. This is not one policy, but rather a tailored portfolio of coverage that addresses the insurance needs of manufacturing. The team at Safeguard Insurance has been providing manufacturing insurance coverage for nearly 20 years.  We have the markets and experience to provide… Read more »

Business Insurance Tips

| Business Income, Business Insurance, Commercial Auto Insurance, Commercial Property Insurance, Workers Compensation Insurance.

Many business owners want to buy an insurance policy and never think about again. We understand you have better things to focus your time on, so here are some business insurance tips to make sure you have the right coverage to protect your operation. Buy adequate property insurance coverage. Many property insurance policies contain a co-insurance… Read more »

Workers Compensation Policy Audits

| Workers Compensation Insurance.

No one likes the word “audit”. Even when it relates to an insurance policy instead of the IRS, an audit is not an enjoyable experience. Not every type of business insurance policy is auditable and not every insurance company performs audits consistently. However, workers compensation insurance will be audited every year almost without exception.  Here… Read more »

The History of Workers Compensation in Nevada

| Agency Customers, Business Insurance, Workers Compensation Insurance.

One of the first widespread social insurance programs developed in the United States was workers compensation. Workers compensation is specialized insurance coverage purchased by employers to provide for medical care, rehabilitation expenses and indemnity payments (disability) for employees that are injured in the course of employment. The first workers compensation laws were developed by Maryland,… Read more »

Nevada construction insurance for all types of contractors

| Bonding, Business Insurance, Commercial Auto Insurance, Commercial Property Insurance, Commercial Umbrella, Contract Surety, General Liability Insurance, Surety Bonds, Workers Compensation Insurance, Workers Compensation Rating.

Construction work in a is showing signs of life in Nevada.   A quick drive around Las Vegas shows that residential construction is picking up, with new developments popping up in nearly all parts of the valley.  Even commercial construction, which has been stagnant for several years, is slowly showing signs of recovery.  With all that… Read more »

Affordable Nevada Business Insurance

| Blog, Business Insurance, General Liability Insurance, Workers Compensation Insurance, Workers Compensation Rating.

Nevada has a well deserved reputation for being business friendly.  We have relatively low taxes, especially compared to California.   Our regulatory environment is very pro-business.  And, finding affordable business insurance in Nevada is easy.   We have among the lowest workers compensation rates in the country.  Plus, the lack of natural disasters in Nevada makes our commercial… Read more »

Tips to keep workers compensation premiums low

| Uncategorized, Workers Compensation Insurance, Workers Compensation Rating, Workplace Safety.

Workers compensation premiums can quickly become the single largest insurance policy for many types of business.   Companies in the service trades, construction or manufacturing pay relatively high rates for workers compensation insurance.   At Safeguard Insurance, we want to help you control the cost of your insurance.  Here are some tips to keep your workers compensation… Read more »

Nevada Workers Compensation Laws

| Business Insurance, Insurance education, Workers Compensation Insurance, Workers Compensation Rating.

If you have a business that operates in Nevada and has workers that meet the definition of employees, you are required to purchase workers compensation insurance. Nevada is not unique in this regard. In fact, all 50 states have industrial insurance requirements to protect workers from injuries while on-the-job. The various rules, regulations, and statutes… Read more »

Understanding the Certificate of Insurance

| Additional Insured, Business Insurance, Contractor insurance, General Liability Insurance, Insurance education, Workers Compensation Insurance.

Business insurance policyholders are commonly asked to provide a certificate of insurance to a 3rd party. Typical requestors include a landlord, finance or leasing company, government entity, or as part of a construction agreement. While commonly requested, the purpose of insurance certificates is often a mystery to policyholders. What is a certificate of insurance? A… Read more »

Employee Injuries and the Course and Scope Rule

| Business Insurance, Insurance Claims, Insurance education, Risk Management, Workers Compensation Insurance.

At some point, nearly every employer will have an employee report an injury and seek treatment under a workers compensation policy. Every US state has “industrial insurance” or workers compensation laws that define the benefits payable to the injured worker (NRS 616 in Nevada). While the benefits afforded to an injured worker can vary between jurisdictions, there is… Read more »