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Kansas City, MO 64111

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Featured Insurance Blog

What is Boat Insurance And why Do You Need It?

If you are a boat owner, you already know how important it is to secure your boat. With all the investment you have put into it, it’s ideal for your boat to be adequately insured. Accidents do happen, and for your peace of mind, boat insurance comes in handy. 

What is boat insurance?

Boat/watercraft insurance is a policy that covers sailboats, motorboats, Jet Skis, and other water vessels against damage and liability in the event of an accident. Typically, when you get boat insurance from Midwest Professional Insurance, it will cover the below areas:

  • Collision damage: The policy covers any replacement or repairs in case of a collision.
  • Property damage liability: Pays for damage caused to another boat or any other third party loss.
  • Bodily injury liability: If someone else got injured by your boat in an accident, the policy covers legal charges and medical bills.
  • Comprehensive coverage: This policy covers your boat from fire, theft, vandalism, and other natural disasters stated in your policy.

Reasons why you need a boat insurance

Your boat insurance is as important as your car insurance. You are even at more risk on the water because of the many uninsured boaters. You may be careful, but you can’t protect your boat from careless and inexperienced boaters or, worse, the wrath that comes from nature.

That said, you need boat insurance to:

  • Secure your investment against damage or theft
  • Pay for injuries to others and damage to their property
  • Provide emergency assistance when stranded in the water

Even though it’s not mandatory to have boat insurance in your state, it’s important to obtain one for your peace of mind. This way, you will be at ease knowing that you, your boat, and your crew are protected. Not sure where to get boat insurance? At Midwest Professional Insurance, we delight in giving you that dependable boat insurance coverage. Call us today, and our team shall help you find a reliable boat or watercraft policy.

Read More

If you are a boat owner, you already know how important it is to secure your boat. With all the investment you have put into it, it’s ideal for your boat to be adequately insured. Accidents do happen, and for your peace of mind, boat insurance comes in handy. 

What is boat insurance?

Boat/watercraft insurance is a policy that covers sailboats, motorboats, Jet Skis, and other water vessels against damage and liability in the event of an accident. Typically, when you get boat insurance from Midwest Professional Insurance, it will cover the below areas:

  • Collision damage: The policy covers any replacement or repairs in case of a collision.
  • Property damage liability: Pays for damage caused to another boat or any other third party loss.
  • Bodily injury liability: If someone else got injured by your boat in an accident, the policy covers legal charges and medical bills.
  • Comprehensive coverage: This policy covers your boat from fire, theft, vandalism, and other natural disasters stated in your policy.

Reasons why you need a boat insurance

Your boat insurance is as important as your car insurance. You are even at more risk on the water because of the many uninsured boaters. You may be careful, but you can’t protect your boat from careless and inexperienced boaters or, worse, the wrath that comes from nature.

That said, you need boat insurance to:

  • Secure your investment against damage or theft
  • Pay for injuries to others and damage to their property
  • Provide emergency assistance when stranded in the water

Even though it’s not mandatory to have boat insurance in your state, it’s important to obtain one for your peace of mind. This way, you will be at ease knowing that you, your boat, and your crew are protected. Not sure where to get boat insurance? At Midwest Professional Insurance, we delight in giving you that dependable boat insurance coverage. Call us today, and our team shall help you find a reliable boat or watercraft policy.

A More Proactive Approach Toward COVID-19 Protection

New COVID-19 guidelines from the Occupational Safety and Health Administration (OSHA) released under President Joe Biden’s administration signal a more proactive approach toward protecting U.S. workers from COVID-19.

The new guidance seeks to protect all types of workers, not just those deemed to be at higher risk of contracting COVID-19 depending on where they work. The guidance also asks employers to shield workers from retaliation if they have concerns about unsafe work conditions. The guidance also looks to establish ways for employees to voice work-related concerns anonymously. In general, OSHA wants employers to give their staff a bigger say in developing workplace safety protocols. Such protocols already require employers to enforce 6-foot distancing and face mask wearing, both of which are carryovers from former President Donald Trump’s administration.

The Biden administration is also pushing for some federal emergency standards that could carry more legal weight— something labor advocates have been wanting. OSHA has until March 15 to decide if it will issue those standards. OSHA also announced that it is resuming public announcements on workplace fines for unsafe conditions.

It is important that businesses remain vigilant during these unprecedented times, providing safe and healthy workplaces for all employees. This new guidance from the Biden administration may help workers in high-risk sectors maintain their unemployment benefits and avoid unsafe work, even if doing so puts added pressure on business owners.

For additional safety guidance and insurance information, contact Midwest Professional Insurance.

Workers’ Compensation Premium Audit Tips

At the end of every workers’ compensation policy period, insurance carriers conduct audits to ensure that paid premiums accurately reflected a business’s operations over the duration of the policy period. This is necessary because premiums paid at the beginning of the policy period are only estimates based on projected payroll and assigned employee classification codes.

These audits can be done by phone, mail, or in-person, depending on the assigned auditor. Workers’ compensation premium audits are very common and, once completed, can indicate if any additional premium is owed, or if any credits need to be returned or applied to the next policy. Some business owners select “pay as you go” workers’ compensation policies to help reduce their exposure to large audit balances. Premiums for these types of policies are based on actual payroll and are reported/paid in real-time, contrary to that of traditional estimated programs.

However, the COVID-19 pandemic has complicated the audit process, thus affecting workers’ compensation premiums. It is important to know that there is no guarantee of the return of workers’ compensation premium credits due to the pandemic. To give your company the best chance of receiving a returned premium credit, it is critical to maintaining proper recordkeeping.

Other important items to note include:

  1. Payments to paid furloughed employees—If you have continued paying employees to stay home and not work while your business operations have been suspended because of a federal, state, or local emergency order, you need to identify the wages your company has paid to furloughed employees and provide them to your auditor during your audit.
  2. Temporary changes in your business operations—If you temporarily change your operations because of a federal, state or local emergency order, you must identify these changes. Such operational adjustments may affect the rating and classifications of your policy.
  3. Employees working from home or being assigned different job duties—If your employees are temporarily being paid to work from home or have been assigned different job duties, you must note this on your payroll records and provide these new duties to your auditor.

It is in your best interest to know your workers’ compensation classification codes, payroll, and subcontractor payments prior to any audit. For more information on how to prepare for workers’ compensation audits, contact us today.

Audit Tip

Have all Independent Contractors provide a certificate of insurance stating that they purchased workers’ compensation insurance.

Read More

New COVID-19 guidelines from the Occupational Safety and Health Administration (OSHA) released under President Joe Biden’s administration signal a more proactive approach toward protecting U.S. workers from COVID-19.

The new guidance seeks to protect all types of workers, not just those deemed to be at higher risk of contracting COVID-19 depending on where they work. The guidance also asks employers to shield workers from retaliation if they have concerns about unsafe work conditions. The guidance also looks to establish ways for employees to voice work-related concerns anonymously. In general, OSHA wants employers to give their staff a bigger say in developing workplace safety protocols. Such protocols already require employers to enforce 6-foot distancing and face mask wearing, both of which are carryovers from former President Donald Trump’s administration.

The Biden administration is also pushing for some federal emergency standards that could carry more legal weight— something labor advocates have been wanting. OSHA has until March 15 to decide if it will issue those standards. OSHA also announced that it is resuming public announcements on workplace fines for unsafe conditions.

It is important that businesses remain vigilant during these unprecedented times, providing safe and healthy workplaces for all employees. This new guidance from the Biden administration may help workers in high-risk sectors maintain their unemployment benefits and avoid unsafe work, even if doing so puts added pressure on business owners.

For additional safety guidance and insurance information, contact Midwest Professional Insurance.

Workers’ Compensation Premium Audit Tips

At the end of every workers’ compensation policy period, insurance carriers conduct audits to ensure that paid premiums accurately reflected a business’s operations over the duration of the policy period. This is necessary because premiums paid at the beginning of the policy period are only estimates based on projected payroll and assigned employee classification codes.

These audits can be done by phone, mail, or in-person, depending on the assigned auditor. Workers’ compensation premium audits are very common and, once completed, can indicate if any additional premium is owed, or if any credits need to be returned or applied to the next policy. Some business owners select “pay as you go” workers’ compensation policies to help reduce their exposure to large audit balances. Premiums for these types of policies are based on actual payroll and are reported/paid in real-time, contrary to that of traditional estimated programs.

However, the COVID-19 pandemic has complicated the audit process, thus affecting workers’ compensation premiums. It is important to know that there is no guarantee of the return of workers’ compensation premium credits due to the pandemic. To give your company the best chance of receiving a returned premium credit, it is critical to maintaining proper recordkeeping.

Other important items to note include:

  1. Payments to paid furloughed employees—If you have continued paying employees to stay home and not work while your business operations have been suspended because of a federal, state, or local emergency order, you need to identify the wages your company has paid to furloughed employees and provide them to your auditor during your audit.
  2. Temporary changes in your business operations—If you temporarily change your operations because of a federal, state or local emergency order, you must identify these changes. Such operational adjustments may affect the rating and classifications of your policy.
  3. Employees working from home or being assigned different job duties—If your employees are temporarily being paid to work from home or have been assigned different job duties, you must note this on your payroll records and provide these new duties to your auditor.

It is in your best interest to know your workers’ compensation classification codes, payroll, and subcontractor payments prior to any audit. For more information on how to prepare for workers’ compensation audits, contact us today.

Audit Tip

Have all Independent Contractors provide a certificate of insurance stating that they purchased workers’ compensation insurance.

Making Every Bite Count

The foods and beverages you consume have a significant impact on your health. In fact, 60% of adults have one or more diet-related chronic diseases. The newly released Dietary Guidelines for Americans (2020-2025) offers science-based nutrition advice to develop healthy eating habits and reduce chronic disease risk. For the first time, this edition provides recommendations by life stage, from birth through older adulthood.

The latest guidance provides four overarching guidelines that encourage healthy eating patterns and recognize that individuals will need to make shifts in their food and beverage choices to achieve a healthy pattern. Make every bite count and consider the following:

  1. Follow a healthy dietary pattern at every life stage. Dietary needs and recommendations vary based on your age, sex and stage of life. Review the guidelines to ensure that you and your loved ones—whether they’re infants, children, teens, adults or elderly—are following a healthy diet.
  2. Customize your foods and beverages to reflect personal preferences, cultural traditions and budgets. A healthy dietary pattern can benefit all people regardless of age, race, ethnicity or current health status.
  3. Focus on meeting food group needs with nutrient dense foods and beverages, while staying within calorie limits. Nutrient-dense foods are rich in vitamins and minerals, without too much added sugars, saturated fats an sodium.
  4. Limit foods and beverages high in added sugars, saturated fats and sodium. Be mindful of the nutritional facts of the foods and beverages you consume—including alcohol. Men should limit alcohol to two drinks a day and women should consume no more than one drink per day.

Everyone can benefit from a healthy eating pattern, so start simple with modest changes each day. For healthy recipes or to learn more about the current guidelines, visit MyPlate.gov.

Prioritize Your Sleep

Sleep is just as important as nutrition and exercise to help you function at your best. But when you’re juggling work, kids and everyday life, a good night’s sleep may seem unattainable. In fact, 35% of people feel they don’t get enough sleep. Adults need seven to nine hours of quality sleep each night. In honor of World Sleep Day on March 19, consider the following tips to prioritize your sleep:

  1. Avoid drinking caffeine within six hours of bedtime.
  2. Stop watching television and using your phone and other electronic devices for at least 30 minutes before bedtime.
  3. Create a relaxing bedtime routine to help your brain unwind and recognize that it’s time to sleep.
  4. Keep your bedroom cool, dark and quiet.

If you’re regularly feeling tired upon waking up, or throughout the day, you may be experiencing some underlying issues. Talk to your doctor about any concerns.

Properly Cleaning Your Earbuds

Listen up! Earbud use can lead to health issues such as excessive earwax, ear pain, ringing in the ears or infections. Dirt, debris and sweat can build up over time, so it’s important to clean earbuds after each use. Cleaning can also maintain sound quality and extend the life of your earbuds.

First, disconnect your earbuds. Then consider the following cleaning options:

  1. Soft cloth—If you have single-piece earbuds, slightly dampen a cloth with fresh water and wipe clean.
  2. Alcohol wipes—To clean and disinfect earbuds, use an alcohol wipe.
  3. Soap and water—A simple solution of antibacterial soap and warm water paired with a soft cloth work well. If you need something more potent, use rubbing alcohol.
  4. Small brush—A clean toothbrush or cotton swab can clean mesh grilles and other small grooves.

After cleaning your earbuds, allow them to dry completely before placing in a storage bag or case. If you’re experiencing ear pain, talk to your doctor.

Read More

The foods and beverages you consume have a significant impact on your health. In fact, 60% of adults have one or more diet-related chronic diseases. The newly released Dietary Guidelines for Americans (2020-2025) offers science-based nutrition advice to develop healthy eating habits and reduce chronic disease risk. For the first time, this edition provides recommendations by life stage, from birth through older adulthood.

The latest guidance provides four overarching guidelines that encourage healthy eating patterns and recognize that individuals will need to make shifts in their food and beverage choices to achieve a healthy pattern. Make every bite count and consider the following:

  1. Follow a healthy dietary pattern at every life stage. Dietary needs and recommendations vary based on your age, sex and stage of life. Review the guidelines to ensure that you and your loved ones—whether they’re infants, children, teens, adults or elderly—are following a healthy diet.
  2. Customize your foods and beverages to reflect personal preferences, cultural traditions and budgets. A healthy dietary pattern can benefit all people regardless of age, race, ethnicity or current health status.
  3. Focus on meeting food group needs with nutrient dense foods and beverages, while staying within calorie limits. Nutrient-dense foods are rich in vitamins and minerals, without too much added sugars, saturated fats an sodium.
  4. Limit foods and beverages high in added sugars, saturated fats and sodium. Be mindful of the nutritional facts of the foods and beverages you consume—including alcohol. Men should limit alcohol to two drinks a day and women should consume no more than one drink per day.

Everyone can benefit from a healthy eating pattern, so start simple with modest changes each day. For healthy recipes or to learn more about the current guidelines, visit MyPlate.gov.

Prioritize Your Sleep

Sleep is just as important as nutrition and exercise to help you function at your best. But when you’re juggling work, kids and everyday life, a good night’s sleep may seem unattainable. In fact, 35% of people feel they don’t get enough sleep. Adults need seven to nine hours of quality sleep each night. In honor of World Sleep Day on March 19, consider the following tips to prioritize your sleep:

  1. Avoid drinking caffeine within six hours of bedtime.
  2. Stop watching television and using your phone and other electronic devices for at least 30 minutes before bedtime.
  3. Create a relaxing bedtime routine to help your brain unwind and recognize that it’s time to sleep.
  4. Keep your bedroom cool, dark and quiet.

If you’re regularly feeling tired upon waking up, or throughout the day, you may be experiencing some underlying issues. Talk to your doctor about any concerns.

Properly Cleaning Your Earbuds

Listen up! Earbud use can lead to health issues such as excessive earwax, ear pain, ringing in the ears or infections. Dirt, debris and sweat can build up over time, so it’s important to clean earbuds after each use. Cleaning can also maintain sound quality and extend the life of your earbuds.

First, disconnect your earbuds. Then consider the following cleaning options:

  1. Soft cloth—If you have single-piece earbuds, slightly dampen a cloth with fresh water and wipe clean.
  2. Alcohol wipes—To clean and disinfect earbuds, use an alcohol wipe.
  3. Soap and water—A simple solution of antibacterial soap and warm water paired with a soft cloth work well. If you need something more potent, use rubbing alcohol.
  4. Small brush—A clean toothbrush or cotton swab can clean mesh grilles and other small grooves.

After cleaning your earbuds, allow them to dry completely before placing in a storage bag or case. If you’re experiencing ear pain, talk to your doctor.

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