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Insuring Your College Student – What You Need to Know

What every parent should know

Sending a child off to college is a significant milestone that represents the culmination of years of planning and hard work. As you prepare for the start of the semester, you should consider how your insurance needs may change with your son or daughter away at school.

Protecting Your Student’s Belongings

It is crucial that you contact Warren G. Bender Co about the rules and limitations of your coverage when it comes to your son or daughter’s dorm room. Many homeowners policies consider a dorm room as an extension of your home, so items your child keeps there may be covered to some extent. However, if your child has lots of expensive electronic equipment or furniture, you may want to consider purchasing additional coverage.

If your child lives off campus, his or her possessions may not be covered by your homeowners’ policy. In that case, you may want to consider renter’s insurance, which the National Association of Insurance Commissioners says ranges from $15 to $30 per month. Renter’s Insurance will cover possessions in the student’s off-campus apartment or house as well as provide liability coverage if anyone is injured in the residence.

 Changing Auto Coverage

If your son or daughter moves more than 100 miles away from home to attend school and does not keep a vehicle there, your car insurance premiums could decrease by as much as 30 percent. Inform Warren G. Bender Co, and you could save money while still maintaining coverage for your child when he or she is home for vacation.

Keeping Your Child Healthy While On Campus

Many students can stay on their parents’ health plans during college, but usually they must be full-time students, taking 12 hours or more in a semester. However, these restrictions vary greatly by state, and coverage could become even more complicated if your child is attending an out-of-state school.

For example, if you have a managed care plan, you probably have geographical limits and should consider whether your child will be able to access an in-network health care provider nearby. Your student also may not be covered if injured while playing intercollegiate athletics, so be sure to check your policy and the school’s policy on coverage for athletes.

If you find your child does not have coverage under your plan for any reason, you have a few options. Most universities have their own health plans, but some policies have high deductibles and low coverage maximums. A few do not offer any coverage for any conditions present before entering the university, so purchase carefully. Otherwise, you may consider an individual policy for your student.

Count on Us

If you are sending a child off to college and have not yet looked at adjusting your coverage, contact Warren G. Bender Co at (916) 380-5300 to learn more. You could save money on your policies and protect your child from expensive incidents while away from home.


Filed under: Uncategorized — Jillian Bender-Cormier @ 6:22 pm September 22, 2014

Is Your Business Continuity Plan Missing Key Elements?

When a disaster strikes and interrupts your business operations, you need to take action quickly. Having a business continuity plan in place will help you do just that. But often, continuity plans are missing key elements which could potentially cause problems when you try to get your business back up and running.

The following are a few key elements to check for when reviewing or creating your business continuity plan:
• Vendors—When choosing third-party vendors, thoroughly vet their business continuity plan. Their resilience after a business interruption can affect your company’s operations just as much as theirs, and if business continuity is a priority of theirs, you can confidently do business with them.
• Alternate locations—If the building your business is in experiences a gas leak or flood, can your operations continue in alternate locations? Whether you have an arrangement for a backup office space or allow employees to work remotely, plans for alternate working arrangements need to be in place.
• Situation-specific plans—Your business continuity plan should have one solution: To restore your operations. However, the steps you take to reach that solution are unique to each possible scenario and your continuity plan should reflect that.
• Testing—Practice your plan often, using scenario-based exercises or live walk-throughs. If your backup database administrator can’t remember how to properly recover the database, it is better to discover this in a practice session instead of a real situation.

Filed under: Uncategorized — Jillian Bender-Cormier @ 6:09 pm

Avoiding Ergonomic Mistakes

DID YOU KNOW? Ergonomic injuries account for 34 percent of workplace injuries and illnesses requiring days away from work, according to the Bureau of Labor Statistics.

Improving the ergonomics at your workplace can help decrease the amount and severity of musculoskeletal disorders. But if you want to work towards better ergonomics, be sure you are doing it the right way by avoiding these common mistakes:

  • Focusing on injuries rather than exposures—To prevent injuries from occurring, you need to be proactive and identify risk factors before a worker is injured.
  • Having a narrow view—Ergonomics is not just about preventing injuries. Successful ergonomics can increase productivity and improve employee engagement.
  • Measuring with ineffective tools—Avoid using subjective measuring tools and look for tools with valid data that are based on risk factors and exposure rather than workplace conditions.
  • Failing to check—After implementing changes in your workplace to improve ergonomics, conduct a follow-up assessment to verify that the changes you made were effective in eliminating injury risk factors. This is a major step in your continuous improvement process.
  • Using an unsustainable approach—Instead of making ergonomics about a list of technical requirements, see it as a continuous improvement in which all your employees can participate.
Filed under: Workers' Compensation — Jillian Bender-Cormier @ 4:39 pm