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Companies and employees often find some form of protection in short- and long-term insurance plans, and perhaps none are more worthy than disability programs, which are designed to replace some of the wages lost by people who cannot work because of a disabling injury or illness.
According to an online survey produced by LevelFunded Health, a national health insurance agency, 87 percent of small businesses that offer group health care saw health insurance premiums rise by 25 percent since 2014, with 12 percent experiencing premium increases of 50 percent or higher.
Life is full of surprises and not all are happy. Injuries, car accidents, theft, and even natural disasters happen and can destroy office space and property. That’s why insurance is an absolute necessity for HVAC contractors.
XL Catlin and Financial Risk Solutions Inc. have entered an exclusive underwriting agreement to offer Chill-Pro® contractual liability insurance coverage for HVAC contractors in the U.S. Chill-Pro is a national insurance program that provides service agreement coverage for chillers.
Designing proper coverage and having a complete awareness of the direct costs associated with each of these objectives can go a long way toward improving a company’s bottom line.