Taking your fun off road ratchets up the fun quotient considerably. There is nothing quite like the thrill of hitting the rugged trails and backwoods roads in your ATV or dirt bike. Keep the fun flowing all year round by making sure that you have the right insurance before you head out on your favorite recreational vehicle.
Don’t Make Insurance Assumptions
The last thing you want to do is assume that your current insurance will cover any mishaps that might occur involving your ATV or dirt bike. The reality is that this is not likely to be the case. In nearly all instances, your homeowners’ insurance and auto insurance will not cover any damages incurred by or to your off road recreational vehicles. For example, if you wreck your ATV on your own property, it is not likely that your homeowners insurance will pay for it.
Taking Your Recreational Vehicles out in Public
California is blessed with a gorgeous climate and many different types of terrain. Taking your dirt bike or ATV to one of the many recreational areas that exists within the state adds variety to your hobby time while also giving you much needed space to test your speed and agility. Before you make plans to do so, though, you need to make sure that you have the necessary insurance as required by California.
Specialized Insurance for Specialized Equipment
Speaking with your insurance company about your ATVs and dirt bikes can help them craft a unique insurance plan for you. This plan will provide you with the liability, collusion and comprehensive insurance that covers any issue that might arise while you are enjoying your hobby.
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One of the scariest moments of a parent’s life is when they hand a teen the car keys and watch one of their most precious possessions, their own flesh and blood, roll out of the driveway. Most parents wonder at this moment whether their kids are really ready for the massive responsibility of driving a car. Will their teen follow the rules of the road? Will she take unnecessary chances in the vehicle? Do their kids really understand how quickly a car can spin out of control or how it takes just a moment’s inattention to cause a serious accident?
Many parents find that driving adds a whole new set of issues to argue about with their teens. Some parents find that creating a safe driving contract helps everyone in the family get on the same page with regards to driving. This contract outlines what parents expect of teens when they are on the road. Use the following ideas to craft a safe driving contract for your own kids.
Passengers
Do you want to allow your teen driver to transport friends across town? If so, you should specify how many passengers are permitted in the car. Remember that having other teens in the car can cause the driver to become distracted and possibly cause an accident.
Late Nights
With the busy schedules that most teens keep, you may want to discuss what time you need your teen to be home. Emphasize that this is a safety issue, rather than a control issue, since sleepy driving can cause accidents.
No Drinking and Driving
Many teens know this already, but don’t be afraid to write it down to emphasize how very foolish the choice to drink and drive is. Tell them that they can always call you to get a ride home, even if they are ashamed of where they are and who they are with.
Tickets and Accidents
Spell out the consequences of moving violations and accidents. You may want your teen to pay for his own tickets and pay for repairs to the car if the accident is his fault.
No Texting and Driving
Tell your teen that the cell phone should be on silent and out of his reach while driving. Even reading an incoming text can be dangerous while driving.
After you have written down your thoughts about safe driving, discuss the points of the contract with your teen. Be sure to keep the conversation positive and affirming, and remind your teen that driving is a privilege. If he wants to keep this privilege, he has to play by your rules, even if he thinks they are overprotective and silly.
If you need advice about your teen’s auto insurance, contact Scurich Insurance Services today!
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11 years ago
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by
Shawna Kreis ·
Comments Off on Employee Advocacy: How to target and recruit the right employees
Employees are more than just a warm body in your office. Being able to target and recruit the right ones not only makes your life run more smoothly, they actively bring your company closer to the goals you have set for it. There are three top priorities you need to keep in mind when you need to find an employee to fit your next job vacancy.
1. Position Criteria
The first step to finding the right employee is to know exactly what skills and knowledge you want them to bring to your organization. You also need to determine if this criteria can be obtained with experience, schooling or both. Consider the culture of your company and those attributes that successful employees must have to fit in there.
2. Recruitment Methods
These days, in order to obtain a diverse pool of applicants, you will likely need to advertise utilizing a variety of methods. While newspaper ads have fallen out of favor somewhat due to the rise in popularity of the internet, consider posting your job opening in a variety of different media outlets to capture the attention of as many qualified job seekers as possible.
3. Make Your Job Posting Count
Your job posting is the critical bridge that helps you connect with the right applicants. Partly an advertisement for your business and partly a laundry list of attributes you want the perfect job applicant to possess, your job posting needs to include key information. This includes items such as the opportunities that are available for applicants, what you expect from the person who fills the job opening and a synopsis of your company’s goals.
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As parents, sometimes we never want our kids to grow up. It is no secret that adding a teen driver to your California auto insurance is a costly choice. In some cases, you might see your insurance premium double almost overnight when you add your teen. There is good reason for this jump in price as the Centers for Disease Controls (CDC) notes that car crashes are the top cause of death for people ages 15 to 19. There are ways you can save money though.
Take a Safe Driving Course
With accident rates disproportionately higher for teen drivers than for other segment of the population, more education can help tip the balance. Taking a safe driving course can give your teen valuable skills while teaching them to be a more defensive driver. Many insurance companies provide discounts for the successful completion of such a course.
Purchase an Older Car
While every teen wants a brand new sports car as their first set of wheels, the insurance on such a vehicle will be quite high — especially when combined with the hit your premium will take for having your teen on your insurance plan in the first place. Consider getting your freshly-minted teen driver an older set of wheels. While new cars tend to have safety features that many older cars lack, buying a used car that is a few years old can provide you with a good compromise.
Be a Good Student
Many insurance companies want to reward teens that are also good students. While the criteria can vary depending on the insurance company, if your student is on the honor roll or dean’s list, is in the top 20 percent of standardized tests or maintains a B average or above, they could be eligible for a significant discount on their insurance.
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11 years ago
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by
Shawna Kreis ·
Comments Off on Employee Advocacy: Key elements of employee advocacy that successful programs share
Using your employees as ambassadors for your brand is a fantastic method for getting your name recognition to reach further than you ever thought possible. That being said, there are certain key elements that successful employee advocacy programs share. Learn more about them below.
Formulate a Plan
While it can be tempting to let your employees loose on their favorite social media platform to talk it up about your business. it is not an efficient way of going about this. Instead, decide which social media outlet would be the best place to focus your energies and have your employees stick with it. Using only one platform will make judging the results of your employee advocacy program much easier as well.
Create Training Materials
Before you set your employees loose on your chosen social media outlet to talk up the many virtues of your company, develop training materials that explicitly outline your goals and objectives. While some of your employees will want to use their existing social media accounts, there are others might want to create new ones. In addition to providing resources on how to do so, this training can designate a person as the guru of the employee advocacy program as well as identify ways for employees to determine how effective their efforts are.
Make a Social Media Policy
Even though most employees are not malicious and would not purposely tarnish the reputation of your business, there are behaviors that can reflect badly upon it — and even put its future at risk. Outline some common scenarios such as how to handle complaints, who should talk to reporters and how to determine the difference between undertaking an expert’s stance and simply being a bystander in the conversation.
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11 years ago
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by
Shawna Kreis ·
Comments Off on Employee Advocacy: Strategies to boost employee participation
It is no secret that your employees are you most valuable asset, but do they know that? As the lines between professional and personal life become even blurrier with each passing day — thanks in large part to social media — it is crucial to your business’s success to harness the power and knowledge of your happy employees. Here are some ideas to get them more involved in the process.
1. Encourage your employees to own your company. Employees who feel like they are part of the success of a business are more likely to engage in positive social media interactions about that company. Position your employees as thought leaders within your business as well as the industry.
2. Trust your employees. When you use your employees to engage on social media platforms about your business, you are handing over a certain amount of trust to them. While that can be difficult to do — and, yes, sometimes it does backfire — because they are your employees, encouraging them to be advocates for your brand brings an increase in respectability as well as trust from those who are reading their postings.
3. Allow employees to have free reign. When people post about a company, it has a different feel than when the owners do so. There is a more intimate feeling involved when one of your employees posts to their friend’s timeline, for example, about how her employer — your business — offers the exact services he finds himself in need of. This casual and friendly interaction helps your business name and brand reach a larger audience, a methodology that has proven to increase sales and profits.
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