Special Risk Insurance Definition
Covers unusual or unique risks.
One of the programs offered by ProgramBusiness.com Storefront Owner, The Brownyard Group http://www.programbusiness.com/tracking/sftracker.asp?SFid=195 is The Hairdressers Agency – which quite obviously is a program for hair salons. This article, provided by The Brownyard Group, is suitable for sending to hair salons as a value-added benefit.
Record Keeping, Insurance Claims and Your Business
Sound Advice from The Hairdressers Agency
Sometimes, we human beings fail to "do the obvious" in our lives, eschewing the simple, logical but annoying procedures to protect our businesses, our employees and ourselves. Record keeping and maintaining complete files are two things, which frequently suffer benign neglect in our daily lives. That can be disastrous when you face an insurance claim. Here are some reminders.
Risk Management Fort myersGood record keeping starts with your Appointment Book. Your book should have a complete record of the date and time as well as the name of the operator who rendered services. Moreover, you should keep your book for a minimum of 2 years should you need to access historical data to answer an inquiry. Be sure you receive a copy of the operator’s license when you hire an operator. You may wish to physically post a copy of the license at the operator’s station. Be sure your operators are properly (and, currently) licensed to perform the services you offer. Maintain the address and telephone information for each operator, especially if he or she is no longer employed by you. Maintain a copy of the current license even for those operators with whom you maintain "friendly arrangements". If the operator is a lessee, be sure you are named as an Additional Insured on his or her policy.
staffing insurance In the Appointment Book, record a brief description of the products and services for each of your clients. Also, record the time in and the time out.
Record any comments made by your client at the time of service. Did she or he voice any displeasure during the service? Did they call after the fact to register dissatisfaction with the services provided? Details recorded on the spot are much more helpful than recollections dimmed by time.
Auto Repair Insurance Be sure you have a complete record of the charges for services and of any gratuity received by an operator. Record keeping, especially via the Appointment Book, can be essential sources of information should you have a claim made against you or the operator: Report the dissatisfaction, notice of claim or lawsuit to your insurance agent or broker immediately. Do not ignore it, in hopes it just ‘goes away’. Do not try to handle the problem on your own. Your record keeping immediately becomes important, especially the Appointment Book, which in addition to the information suggested above, also tells your insurance carrier who else was in the salon at the same time (witnesses). Be open and candid with the Adjusters and the carrier. Their goal is the same as yours: A satisfactory conclusion to an irksome situation. Your assistance and co-operation will help your public image in your community. It’s your business and your good name. Remember this famous adage: "An ounce of protection is worth a pound of cure." For more information about programs provided by The Brownyard Group, including Hairdressers Agency, visit their storefront at: http://www.programbusiness.com/tracking/sftracker.asp?SFid=195