W3 Insurance

Flu Season

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September starts the season of flu vaccines. In preparation to prevent this year’s flu epidemic from affecting your workplace, now is the time to start promoting the flu vaccine. Whether your company decides to host an on-site flu clinic or to educate employees on where they can find participating retail pharmacies to get their vaccines, now is the time to start planning.

Many insurance carriers will authorize on-site clinics with a few regulations. You use their participating on-site provider and you must meet specific minimum participation requirements for the event. For workplaces that have multiple locations or remote employees, it may be difficult to plan an on-site clinic but you can still be instrumental in promoting the importance of prevention. Other simple strategies should be communicated to your employees to help them stay healthy and minimize the risk of spreading the flu.

Please feel free to contact me for assistance during this flu season (Trish Blocker, 727-522-7777 ext. 173 tblocker@w3ins.com). Together we can fight the flu one shot at a time.

Business Income Insurance: Disaster Protection

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75% of businesses that suffer major property damage close within three years. These businesses lacked a contingency plan and/or proper financing to aid in recovery.

So many possibilities exist for a business interruption to occur that it’s hard to imagine not preparing for one of them. Here in Florida, floods abound. Hurricanes and tropical storms shift course on a moment’s notice, offering little time for people to brace for impact. Is your business prepared for such an occurrence? Will a business interruption present a roadblock that permanently damages your organization, or will proper planning reveal a stepping stone that leads to future success?

Business Interruption Insurance

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Builder’s Risk Insurance: Who Needs It and Why?

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What do a nearly completed state-of-the-art resort, your neighbor’s extensive residential renovation, and your city’s new mall construction have in common? Before a single nail is hammered, all these projects were likely protected by builders risk insurance. That means those who are fiscally responsible for these projects are likely not losing sleep over perceived risks.

Builder's Risk Insurance

That peace of mind is more than a luxury – it’s a necessity. Many elements can impact the successful completion of a structure. Consider natural disasters like a fire that can incinerate a structural shell. Whether it’s 99% complete or barely visible, fire knows no boundaries. A hailstorm can damage building materials beyond repair. Earthquakes may unmoor an entire foundation. Builders risk insurance protects subcontractors, lenders or project owners’ investment from the drastic financial implications of such losses.

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Telemedicine Services: Travel with a Doctor

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Summer is the popular time for vacations. Your employees will be making their plans and packing their suitcases with all the essentials but they are probably forgetting something that could make or break their trip; the information for their telemedicine provider.

Time to Sign Your Employees Up for Telemedicine Services

This is a great time to remind your employees to bring a doctor with them on their trip or to be more specific, digital access to a doctor.   Promoting telehealth to your employees now can reduce the unnecessary Emergency Room visit claims while they are away.  Employee engagement in these types of programs is a win- win for all parties involved. [Read more…]

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