Workers Comp Insurance Isn’t Required in Texas – Does My Business Really Need It?

Texas is the only state in our great union that doesn’t require employers in some form to carry workers comp coverage. Is this good news?

I run across many Texas businesses that choose to go bare. I hear things like, “Hey, my employees work in an office, what’s going to happen? If someone gets a vicious paper cut, I can write a check to the urgent care center. Problem solved, right?”

Educate Yourself on the Risks

Maybe. As long as you are comfortable with the risks. What else can happen to your office employees? Do they ever drive their own vehicles for business purposes? Ever drive to the bank to do a deposit or make a run to Office Depot? Ever go on a sales call? (I know after last quarter’s numbers you sometimes wonder, huh)? What happens if your employee gets in an at-fault accident and sustains serious injuries? Who pays for hospital stays, medications and lost wages if you don’t have Workers Comp? Well let’s see:

Health insurance? Nope. Automobile insurance? No again. General Liability Insurance? Excluded. You guessed it. You do!

A Risk Management Axiom

There is a risk management axiom that you should only retain the level of risk you can pay for. To throw in a little perspective on medical expenses, one of my ten year old twins recently had a little ER visit for doing a head-gravity-ground experiment while playing “touch” football. We were there for an hour and a half. The bill… Over $16,000! How much for a serious auto accident? Hundreds of thousands of dollars? More? Can you write a check for that?

Statutory Compliance

There are a couple of other issues you need to be aware of if you choose to go without workers comp coverage (this is called non-subscription). If you are a non-subscriber, then you are by law required to file a “Form 5” with Texas Department of Insurance every year. Failure to do so carries potential administrative penalties and fines. You can get a copy of a form 5 on the TDI website, or get in touch with me at Austin Insurance and I’ll be happy to send you one.

The Realistic Risk

Perhaps the most realistic exposure to non-subscription is the cost of being sued by an employee for on the job injuries. Even if you are vindicated in court, you will still incur potentially substantial legal fees. Now my attorney is a nice guy, but at $300 an hour I tend to forgo the chit chat.

Furthermore if you are sued by an employee for negligence, then you are severely hamstrung in any legal defense you employ because your attorney will not be able to use many common law defenses that are typically critical in defending negligence suits.

The Solution

The good news is that the level of workers comp fraud has diminished over the last few years and rates have come down. In fact for office workers annual rates are as low as 25 cents per $100 of payroll. Make sure you are protected!

Liability Insurance For Beginners

Liability insurance, also commonly known as public liability insurance is something that all self-employed persons should consider even as early as when writing their business plan. Liability insurance should be considered a necessity for all self employed people whether they are manual, clerical or a professional trade who wish to protect their business.

The standard benefits of a public/products liability policy are that you are insured for your legal liability for injury, illness or disease to any member of the public, loss of or damage to their property occurring during the period of insurance. For example if you are a plumber and accidentally flood a property you are working on, the cost of the damage will be covered under your liability policy.

With a public liability insurance policy you normally have three standard options for your level of cover required. The limits of indemnity are £1,000,000, £2,000,000 and £5,000,000. The limit of indemnity that you are covered for simply means that the insurance policy will cover any insured peril up to the limit required ie £1 million. When choosing the level of cover you require you should consider the value of properties that you work on. For example if you work on a school you should have a public liability level of indemnity that is sufficient to rebuild the school if required. If you work on very large properties you may require a level of indemnity in excess of £5 million. This can be arranged by purchasing an additional liability policy called an excess layer. This policy is in addition to the standard policy and can increase the level of indemnity to £10,000,000.

Employers liability insurance can be added to a public liability policy. Employer’s liability insures you for your legal liability for injury, illness, death disease or nervous shock of any employees caused during the period of insurance. If you have an employee or a labour only sub contractor you are legally required to have employers liability insurance. The minimum level of employers liability insurance is £5,000,000 by law but most insurance companies have a level of £10 million. An example of an employer’s liability claim is if your employee was on a faulty ladder and fell and injured themselves . Employer’s liability claims are normally for higher levels than public liability claims.

Under a liability policy you can also have the optional extra cover of tools insurance and goods in transit cover. Tools covers are for loss or damage to hand tools and hand held portable tools owned or hired in by the insured. The level of tool cover is normally from £1,250 to £2,500 with a single article limit of £250 approximately. Tools cover can also be increased to include theft from an unattended vehicle. Goods in transit can also be included for up to £2,000 for any one occurrence.

Finally before purchasing a liability policy you should make sure the insurance company and the insurance broker are regulated by the Financial Services Authority. The Financial Service Authority (FSA) regulates all British insurers and brokers. This regulation is to protect the customer. Also due to this regulation insurers must provide what is known as key facts or a policy summary for any insurance policy they have available. These are perfect if you want a quick overview of what the policy does and does not provide cover for.

Lessons Learned About Systems

Moving Your Business to Solar Energy The majority of the scientific community agrees that global warming is a major problem for every human on this planet. This is why there are a huge amount of people that are working to combat the root causes of climate change. One of the largest contributors to global warming is carbon emissions. When fossil fuels are burned to create energy, carbon dioxide is released into the atmosphere, a molecule that traps UV rays, which causes temperatures on Earth to go up. In order for your business to run, you are going to need to have energy, but that energy does not need to come from coal. You can produce all of the energy needs your business has from solar panels. You are going to want to research selecting the right solar options for your business. The majority of the energy from the Sun that comes to Earth, bounces off the surface and is released back into space. Solar panels allow for us to capture a portion of the energy from the Sun to power batteries which are used to run electricity in buildings. There are a couple of things you need to look at when selecting the right solar options for your business. You will want to be sure you have enough solar panels installed to be able to generate the amount of energy that is used by your business. You are also going to want to compare the price that you would be charged from the local commercial solar installers. There are a few benefits that you are going to receive when you install solar panels to power your business. To start with, there are commercial solar financing options that could actually lower your monthly bill for energy consumption. You may also qualify for commercial solar incentives that would make it so your business has a much lower tax bill in the future.
Smart Ideas: Resources Revisited
You are going to want to look for information online if you are interested in selecting the right solar options for your business. This information can be used to help you determine the best local commercial solar installers to contact to do the job. You are also going to be able to learn more about the costs you will face and the benefits that you could receive.
The 10 Best Resources For Resources
Your business need energy to be able to run, but this energy does not have to come from burning fossil fuels. There are a lot of businesses that have started to install solar panels to meet their energy needs. There are a lot of benefits that you could get when you have them installed.

Top Dog Tips Launched in Response to Surging Affinity for Canine Community

FOR IMMEDIATE RELEASE

(Austin, Texas)– According to the latest reports from the American Pet Products Association, more than 54 million households in the United States now include at least one dog with the total number of dogs sharing homes with humans hovering at the 77.8 million mark. This figure shows an uptick of 7.8 million over the last five years. In light of this growing love for the canine community, Samantha Randall has launched Top Dog Tips ( a website dedicated to helping families in all aspects of their dog parenting experiences.

Said Randall, “More dogs are becoming beloved family members than ever before, which means a greater number of people are discovering the joys of canine companionship and fewer dogs are left to live on their own or find their way into shelters. Of course, it also leaves a lot more questions on the table about giving them the best care, and that’s why we’re here. We’re a community of passionate pet parents committed to sharing stories, advice from experts and unbiased reviews of pet products to help all those sharing our obsession give their dogs the best life possible.”

Topics discussed at range from preparing to adopt a new puppy to making end-of-life arrangements. Featured articles on the website offer information on the simplest breeds to train as well as training advice universal to all breeds. Articles cover house breaking and other common household discipline issues along with professional competition training and age-specific instructional guidelines.

With proper nutrition lingering at the forefront of a number of dog parents’ minds, Top Dog Tips also dedicates a portion of its website to this concern. Choosing between wet or dry food, whether or not expensive brands live up to their claims and interpreting ingredients lists are among the topics covered at length. A variety of homemade meal and treat recipes is likewise provided.

Concluded Randall, “Dogs give their humans a level of love, devotion and joy beyond words, but they also present quite a few challenges along the way. We work with vets, trainers, nutrition specialists and a broad range of other experts to bring our readers the most reliable information available, and we test numerous products on the market in an effort to provide reviews based on our own experiences. We’ll continue to update our website regularly and invite pet parents everywhere to subscribe to our website to get tips, ebooks and exclusive special offers sent directly to their emails.”

Further details about pet parenting and the Top Dog Tips team are available at

About Top Dog Tips:

With a holistic approach to canine and human cohabitation, Top Dog Tips offers a wealth of resources surrounding the intricacies and uncertainties of caring for dogs of all ages, breeds, personalities and preferences.

Obtaining Insurance For Cars Is Not A Daunting Task

For many people, obtaining insurance for cars is a daunting subject. With so many different   insurance  providers and  insurance  products to choose from, finding the  perfect   solution  for your needs and requirements can border on the impossible… Luckily, insurance companies are going out of their way to make the process as quick and painless as possible, which is a welcome change from a couple of years ago.

While the many different insurance providers can certainly add to the confusion, we actually need to be thankful of the wide variety that we can pick and choose from! The insurance industry is a very competitive industry and this certainly plays to the advantage of the client wanting to obtain car insurance quotes. Each insurance provider is trying to offer a better, more appealing deal than the next, which means that insurance quotes are not only very competitive, but the associated benefits and features are equally impressive!

Obtaining insurance for cars quotes online is one of the easiest ways of getting the job done! By logging onto the internet and visiting one of the many insurance portals, you can quickly and effortlessly obtain anything between 5 and 10 insurance quotes, depending on the particular insurance portal. Once you’ve collected the quotes you can then work through all the offerings from the comfort of your own home or office, before choosing your top 2 or 3 quotes. From there you can then even visit the individual websites of the companies you are interested in, and investigate further details such as the company’s history, customer feedback, claim history etc.

One thing that you have to keep in mind is that most car insurance companies will have no problem negotiating their offer. Therefore, if you receive a quote that you find a little bit steep, but you are satisfied with the company and the rest of the offerings, you should consider making an appointment with an insurance agent at the company and discussing the options with them. If you can show them quotes from other insurance companies with a better offer, even better! As already mentioned, the competition between insurance providers is fierce and such providers will generally do whatever is necessary to hook the client.

Another way to take the best advantage of the competition in the industry, is by making use of a professional insurance broker. These individuals have extensive knowledge of the insurance industry – if there is a special offer or fantastic deal, they know about it! Brokers are generally able to offer you a wide range of products and solutions from different service providers. They are also trained to structure the best package for an individual’s specific needs and requirements, which is of course vitally important! Therefore, when obtaining insurance for cars, do not frown at the number of providers trying to lure you in as a client, rather embrace the opportunity and make sure that you choose the best package for your needs and requirements. Make sure that you have your insurance in place as soon as possible – it is the responsible thing to do!

Figuring Out Animals

Methods of Controlling Ticks in Dogs and Cats. A parasite is a living organism that benefits from another organism. There are many kinds of parasites. Examples are flea, tick, mosquito, intestinal worms, and tsetse fly. Malaria is brought by a mosquito parasite. The malaria parasite mainly attacks the red blood cells of the body. The female mosquito mostly resides in wet environments. They lay and hatch their eggs in stagnant water. The method of removing this parasite is by use of oil and totally draining the stagnant water. Expect intestinal worms to attack both cattle and humans. It is possible to control intestinal worms through deworming. It has been known for a tsetse fly to attack both humans and cattle. This insect resides near bushes. This parasite causes sleeping sleekness through blood. It has been noted for ticks to attack pets and cattle. Lyme disease in cattle is spread through blood. It has been known for a flea to attack pets and humans. Fleas cause skin irritation and itching. Parasites attack hosts for shelter, food, and protection. There are many harmful effects apart from diseases that are brought by parasites. Yield in cattle is declined by parasite infestation. Emaciation in cattle is mostly caused by parasite infestation. Parasites can cause death on pets. Let us talk about ticks in dogs and cats.
Smart Ideas: Dogs Revisited
A tick belongs to a family of arthropods. It has eight legs with three body parts. Expect a tick to have three life cycles. Expect a female mosquito to first lay its eggs on the ground. A tick larvae is a hatched egg that grows to become an adult tick. Adults must depend on a suitable host for it to grow. The cycle thereafter repeats itself.
The 9 Most Unanswered Questions about Treatments
Expect ticks to be picked by pets from various avenues. Examples of attachment objects for ticks are fences, grass, and beddings. It is likely for cats and dogs to pick ticks while playing or leaning on attachment objects. It is possible to control ticks from pets by use of various methods. The first method is by physically identifying and removing them. This is possible by removing hair on the infested part and slowly detaching it from the skin of the pet. It is worthy to throw ticks into a pit latrine after carefully detaching them from the skin of a dog or cat. Expect use of insecticides to be an effective method of controlling ticks in dogs and cats. Spraying the inside and outside of a pet’s house can be much effective in tick’s control. Pet’s bedding can also be boiled with hot water to physically kill the parasite. It can also work by hiring industrial pest control services in case of a heavy tick infestation.

The Beginner’s Guide to Resources

How Can You Benefit From Ultrasonic Cleaning? As the world progresses, you also need to make change on the services you offer for you to earn better. The cleaning service business industry is booming because as the years go by, people are becoming more and more busy with their jobs that they no longer have the time to clean after themselves. The ultrasonic cleaning services is the most high-tech type of cleaning service available today that would definitely bring in more income since it will meet the needs of the people. So what exactly is the ultrasonic cleaning service? This involves an ultrasonic tank full of water wherein the item that needs to be cleanses is dipped into. You cannot clean anything with water alone so the liquid substance in the tank is actually a mixture of water and cleaning agent. High frequency sounds is essential on this procedure because it causes the object to agitate which is a significant part of the cleaning process. Once that is all done, the item gets removed from the tank and into another tank with a mixture of rinsing agent and water before it is dried up. Once an object is dipped into a liquid solution, bubbles will always be created and some are far too small for the naked eyes to notice. Once the agitation process begins, the bubbles die out at a certain point. The agitation process will give birth to at least 200,00 pounds of shock waves per square inch. The mechanism here is that the shock waves are far to strong for the dirt on the object that it will eventually loosen up and get displaced. This whole phenomenon is said to be called cavitation. If you are still not convinced about this type of cleaning process, let us give you a few of the advantages you can reap from this cleaning service 1. this is considered to be a high-tech cleaning service because it uses state of the art technology that you cannot find anywhere else.
Where To Start with Products and More
2. the force used in this process does not include physical contact with anything that causes scratches and marks so you can rest assure that your item will come back looking good as new.
Where To Start with Products and More
3. the entire object is submerged in liquid so you can bet that the entire surface comes in contact with the cleaning agent and gets cleaned, even the hard to reach parts of the item. 4. several people are opting for this kind of cleaning service because it is the fastest way to get things done and they no longer have to waste time they could have used in doing more productive things. 3. there is no need for this process to use so much chemicals because the agitation does majority of the work so this is the healthiest procedure out there since no health risks are being posted due to the use of harmful chemicals.

Experts: 10 Mistakes that Most People Make

How To Identify The Best Local Law Firms. The best thing about getting legal advice from experienced professionals is that they will really know the ins and outs to the scenario and they will help you out with it. Having the best local law firm will assure you that you will have an easier way of getting the best legal advice you will need, may it be about business or a law suit, they will have the knowledge and skill set to help you anyway that you want legally. A person who needs legal and reliable advice should think about going to the best local law firm around their place so that he or she will have great advice. In any legal matter, may it be some legal advice for your business or in cases that you need to sue someone, going to a professional law firm can really help you with this type of situation. In situations, wherein you will need legal advice about some business matters or even about suing someone, a professional law firm will have what it takes to help you.
How I Became An Expert on Services
Having a law firm is one thing but you have to make sure that the lawyers in this firm are well experienced and has exemplary know-how on the situation so that the client will have peace of mind. This will state that the lawyers that have been representing a lot of clients in the past are more recommended compared to lawyers who are still new to the business. This is not a rule but it is quite common.
Doing Attorneys The Right Way
It is important that you ask for a certificate from them, acknowledging them as certified professional lawyers. Even if they are skilled, it is still very important to know whether they are legit or not. This means that if the law firm has accreditation, there is no reason for you to doubt their skills and purpose. Accreditation will really help a law firm get clients. It is important that the client and the lawyer will get along because it is important that they will be able to speak about the situation easily. This means that the lawyers must understand the situation, he or she must never judge the case of the client and it is needed to have mutual understanding because this will really be helpful. The lawyer must always at all cost, give legal and objective advice. If you are in constant look out for the best local law firm, you should really think about follow certain tips so that it would be easier for you to choose the best one. Choosing the best local law firm will be much easier when you have already done your research. It is really important that you understand the ins and outs to this situation so that you will also be able to help out in a small way. Having information about the needed guidelines will also be good. Having the best local law firm at your side will be very advantageous and it will really help you out in a lot of ways.

Learning The Secrets About Renovations

Should you Hire an Architect? to have a home that looks the best is for sure what you would want to provide for yourself. There is a need for you to make sure that you have the best architect with you so that you can make sure of this. You will need qualified architect if you have a building project. There are as a matter of fact various sizes and types of construction companies out there. In order to be able to make the right decision it is very important that your final decision will be based on the preferences and building needs. The specific features is what you also need to look into aside from the preferences and building needs. These are all important factors so that you will be able to have a successful project. In order for you not to be able to make the wrong choice in choosing the construction company you should make use of this as your guide. The project needs that you have should be something that your architect already has experience in – this is very important. If a new facility is what you need at hand then choose an architect that already has an experience in building and design and architectural background. A senior architect and his contact number is what you need to have. It is for the bets that you will hire a construction company that has various kinds of experiences. You are not aware of what requirements and issues will arise. At the start of the project you need to make sure that you will be able to establish a good communication with your architect. A two way street between the two of you is what you need to make sure of and is the important part here. For you to be at the project site every morning is important so that you will be updated with the progress. The issues and the developments of the project is what you should discuss even just for a few minutes. For sure you have feedbacks about the project so make sure that you will be able to let the architect know of this. You should not forget the fact that your architect is not capable of reading your mind. It is important that you will tell him of any problems if there is any. In case you have questions you can just text or call him so it would be for the best that you will get his phone number.
Renovations – My Most Valuable Tips
Definitely consider an architect that has been able to handle in the past a similar project like yours. What will happen is that at the end of the day, it will be you that will benefit from this. Another thing that you need to make sure of is for your architect to give you all of the needed information. It is very important that you will be able to know what goes on in the construction.Case Study: My Experience With Designs

Condo Dog Potty – Owner Invents the Perfect Solution

A Condo Dog Potty is almost a “must have” when you have a dog. It makes it so convenient for both you and your dog. This is really true for dog owners who live in a high rise or condo where it is not easy to get access to a grassy area. That plus trying to get you dog outside quick enough before he has an accident.

One particular dog owner who lived in a condo realized that necessity was definitely the “mother of inventions.” He was dealing with the same frustrations that many dog owners have. He was living in a condo and had just gotten a new puppy. He did not have an accessible place for his new puppy to “go”. And after a “few” trips up and down stairs, the Porch Potty was birthed.

He named it the “Porch Potty” and the rest was history. It’s been the perfect condo dog potty solution for so many condo owners. It’s quite an innovation and its even been endorsed by Tillman the famous skateboarding Bulldog.

Tillman’s owner was very impressed with this dog potty. It’s portable, can hold real or synthetic grass, and with the automatic sprinkler system and drain on it, very little maintenance.

So if you’re looking for a condo dog potty, you might want to take a closer look at the Porch Potty. There are a lot of dog owners singing its praises and I can certainly see why. It shows you that necessity really is the “mother of invention”!