Waitte's Insurance Agency
Serving the area for over 100 years
Waitte's Insurance Agency
Serving the area for over 100 years
Waitte's Insurance Agency
Serving the area for over 100 years
Waitte's Insurance Agency
Serving the area for over 100 years

Workers’ Compensation & Employer Liability: Differences You Must Know

Employer Liability

Many businesses and many employees get confused about the differences between Worker’s Compensation Insurance and Employers’ Liability Insurance.  For a business, it’s important to not only know the difference between these two policies but also understand that they go hand-in-hand and are sold together to effectively protect the business and its employees.

Workers’ Compensation Insurance:

If an employee is injured on the job or if the employee becomes ill from a work-related illness, they will need Workers’ Compensation Insurance. This will require their insurance company to compensate those who are injured or stricken ill based on the insurance policy that they have in place at the time of the incident. The employee, however, must provide proof that the injury occurred while performing job-related duties, but it is not necessary for them to prove that the employer was at fault in any way due to negligence.

There are five types of Workers’ Compensation benefits:

–  Medical Care
–  Temporary disability benefits
–  Permanent disability benefits
–  Vocational rehabilitation services
–  Death Benefits

Pain and suffering is not covered with this insurance.

Employers’ Liability Insurance:

This insurance is a protection for a business against lawsuits due to employment-related injuries or illnesses. A lawsuit can be filed by an employee, family members, or third parties.  Employers’ liability insurance is additional coverage above what is covered in Workers’ Compensation Insurance.

A workers’ compensation claim does not require a proof of negligence, but employer liability claims do.  The employee is required to prove that the injury they suffered was caused in some way due to negligence from their employer.  This can be as simple as not providing protective eyewear or earplugs in work environments where those safety devices might have prevented loss of sight or hearing.

There are four elements to this proof:

–  The employer has a duty by law to protect their employees from undue harm or injury.
–  The employer must have committed some action or omission of action that did not prevent the harm or the injury.
–  The employee was injured as a result directly due to the employer’s failure to prevent the harm or injury.
–  There must be evidence that the injured employee suffered some sort of provable damages that resulted from the accident.  This could be medical bills, lost wages, pain and suffering, or other problems and issues resulting from negligence.

Both Employer Liability and Workers’ Compensation Insurance offer protection of the assets for a business and protection for employees. For additional questions regarding workers’ compensation laws in Connecticut, click here. 

Our Warming World: How YOU Can Help Reverse Climate Change

Climate Change

Climate change is an issue that often seems far away. We always hear about melting ice caps and rising sea levels, but few people realize that it is a pressing issue around the entire world. The winter of 2015-2016 tied as the hottest year on record for Connecticut, with an average temperature of 35.2 degrees Fahrenheit – and the three warmest winters in the state’s history have all occurred within the last 15 years. These changes show that climate change is a real threat and it is becoming stronger every day. However, that doesn’t mean that it’s too late to do your part to help slow the gradual warming of the earth. Here are several tips for fighting climate change on an individual level.

Replace your light bulbs: Compact fluorescent (CFL) bulbs use 60 percent less energy than regular incandescent bulbs, and as a result can save up to 300 pounds of carbon dioxide per year. Carbon dioxide released into the atmosphere helps contribute to global warming.

Change your thermostat: Try raising your thermostat just two degrees in the summer and lowering it two degrees in the winter. This can save 2,000 pounds of carbon dioxide per year; alternatively, you can install a programmable thermostat to automatically raise and lower temperatures for you.

Use energy-efficient appliances: Refrigerators, washers, dryers, and other appliances that have Energy Star labels are the best choice for your home.

Turn off and unplug your appliances: A TV set uses 40 percent of its energy in standby mode, which means that by turning it off completely, you can save energy in the long run.

Use renewable energy: Install solar panels on your home, which can ultimately prove to be a worthwhile long-term investment (as well as a sustainable energy source) because of the decrease in energy costs over time.

Watch what you eat: Consuming food grown locally doesn’t just support local farmers; it also saves tons of carbon dioxide every year that is used in transporting food from around the country.

Reduce, reuse, recycle: Garbage in landfills releases methane, which means that you should try to reduce your waste as much as possible. Compost food scraps, and recycle glass, paper and metal.

Green your commute: Walk, bike or take public transit to work instead of driving, which releases greenhouse gases such as carbon dioxide as well as other harmful exhaust such as sulfur dioxide and carbon monoxide.

It may not seem like we are able to make much of a difference on a solo basis, but with everyone doing their part, our beautiful planet earth can once again blossom for future generations. For more articles like this one, day-to-day living tips, insurance information and a whole lot more, check us out on Facebook!

Online Safety: Identity Theft Protection With 8 Simple Tips

Identity Theft

In the technological world we live in today, the dangers of identity theft are all too real. As it becomes easier to purchase items and services online, as well as check bank accounts, conduct business, and pay taxes, it also becomes easier for hackers to steal your identity and use it for their own benefit. However, there are steps you can take to protect yourself from identity theft. Here are eight ways to help keep your personal information and identity safe while surfing or shopping online:

1. Maintain privacy on social media:

Although you have the option to show your email and phone number on accounts such as Facebook and Twitter, don’t – you don’t know who will be able to find that information and use it to eventually gain access to your other accounts online. Furthermore, check your social media privacy settings and make sure that your information is visible to “friends only”.

2. Strengthen online passwords:

Make sure to use a different password for each site you create an account for. You should also make your passwords complex or difficult to guess, using numbers, symbols and letters together.

3. Use a secure network:

Check that your Wi-Fi network is password protected, so that any hackers in your area can’t connect and use your internet connection to gain access to your computer.

4. Look out for scams:

One of the most common types of online scams is “phishing,” in which a cybercriminal sends an email that looks authentic but is actually a trap. You may think the email is from your bank or your insurance company, but once you click on the link, it sends you to a landing page that may require you to enter your username and password. The person that sent the email will then know your information and use it for malicious purposes.

5. Make sure you’re on a secure website:

When a web address has “https” before the URL, you know it’s a secure connection and can feel free to enter payment information. However, if it’s just “http,” be aware that the site may not be secured and thus you don’t know that your information will be protected.

6. Use security software:

Have antivirus, anti-phishing, and anti-malware installed on your computer and your phone for added security.

7. Keep track of your bank statements:

Make sure that you spot any suspicious activity immediately so you can report a case of identity theft as it’s happening. Also, keep an eye on your credit score.

8. Always use a firewall:

If your computer doesn’t come with one installed, you can find free and professional versions online, both of which deter hackers.

With these eight tips, you can significantly decrease your chances of having your identity stolen online. However, even with the proper precautions, identity theft can occur to just about anyone. Have you or someone you know fallen victim to identity theft and wish to share your experiences and provide further tips on how it could have been prevented? We would love to hear from you! Please feel free to share your thoughts in the comment box below so that we can collectively abolish as much of this threat as possible.