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https://completemarkets.com/company/ReyesFinancialArchitecture

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https://completemarkets.com/company/CarltonArchitecture/business-insurance/
Types of business insurance Bodily Injury Property Damage Harassment Discrimination Directors & Officers Liability Errors and Omissions (E&O) Advertising Injury Personal Injury Workers Compensation A comprehensive general liability insurance policy should help keep you in business with - Legal expenses Medical expenses Settlement expenses Our business insurance experts have helped many businesses in the New York, NY and surrounding areas. Get in touch, we can help you too. How do you pay for the policy? Three options depending on your circumstances – Paid Up front – usually for new businesses, or businesses that don’t have strong financials. Monthly Installment (financed) Quarterly or twice a year payments (not necessarily financed, but because you have a history with the carrier they give you this payment plan) How business (liability) insurance works. The general liability coverage of a business insurance policy outlines the maximum amount the insurance company will pay against a liability claim. For example, if your business gets sued for $250,000 for medical costs associated with an injury plus an additional $100,000 in legal fees, but your coverage amount is maxed at $300,000, then you would be responsible for paying the difference of $50,000. Now, if you are on the higher end of the risk scale, and already have general liability insurance, you can also opt for excess insurance or business umbrella insurance that increases your coverage limits. This will cover you in situations in which you’re worried that your existing coverage won’t cover all your costs should someone file and win a claim against you. Our agents have helped many businesses in the New York, NY and surrounding areas. Get in touch, we can help you too.

https://completemarkets.com/Article/article-post/1545/LANDSCAPING-FIRM-IMPLEMENTS-DRUG-TESTING/
Landscaping Firm Implements Drug Testing
LANDSCAPING FIRM IMPLEMENTS DRUG TESTING WORKING PARTNERS Architectural Landscaping, Inc., in Tucson, Arizona, creates 'outdoor living environments' by installing pools, masonry, and retaining walls, as well as plants. The firm employs 32 people, most of whom are in their early 20s. Twelve of these employees are administrative and clerical workers. Several years ago, employee in-field performance and attendance were unsatisfactory. Workers began exhibiting symptoms that kept them from performing their jobs in a safe and timely manner. After numerous complaints from clients, it became apparent that there was a problem. The firm immediately contacted colleagues in similar businesses to ask for information regarding substance abuse and to get their suggestions for potential solutions to the problem. The other companies warned that for the first few months, Architectural Landscaping would regret installing a substance abuse policy because of the turmoil it would create. It was a price worth paying; today, the company realizes that implementing a substance abuse policy was the best thing it ever did. A meeting was held for all employees to outline a zero-tolerance substance abuse policy and to inform them that the policy was effective immediately for all new hires and would go into effect in 90 days for all current employees. Drug testing is conducted after industrial and vehicle accidents. Copies of the policy, including consent to be tested randomly at any time, are signed by all employees and kept in the personnel records. If an employee fails the initial test, he must pay for it. All new hires are screened for drug use at company expense. They may start work, but on condition of a clean screen within six days. This procedure allows a reasonable opportunity for alcohol to pass through the system. Employees who test positive a second time are terminated. The cost of the program is minimal. An independent, off-site clinic administers the screening test, which is done on the worker's time at a cost of $18. While cost savings are difficult to document, Architectural Landscaping feels its program ensures safe working conditions and that it has experienced improved morale-proof that some rewards go beyond the financial.

https://completemarkets.com/Article/article-post/1466/LANDSCAPING-FIRM-IMPLEMENTS-DRUG-TESTING/
Landscaping Firm Implements Drug Testing
LANDSCAPING FIRM IMPLEMENTS DRUG TESTING WORKING PARTNERS Architectural Landscaping, Inc., in Tucson, Arizona, creates 'outdoor living environments' by installing pools, masonry, and retaining walls, as well as plants. The firm employs 32 people, most of whom are in their early 20s. Twelve of these employees are administrative and clerical workers. Several years ago, employee in-field performance and attendance were unsatisfactory. Workers began exhibiting symptoms that kept them from performing their jobs in a safe and timely manner. After numerous complaints from clients, it became apparent that there was a problem. The firm immediately contacted colleagues in similar businesses to ask for information regarding substance abuse and to get their suggestions for potential solutions to the problem. The other companies warned that for the first few months, Architectural Landscaping would regret installing a substance abuse policy because of the turmoil it would create. It was a price worth paying; today, the company realizes that implementing a substance abuse policy was the best thing it ever did. A meeting was held for all employees to outline a zero-tolerance substance abuse policy and to inform them that the policy was effective immediately for all new hires and would go into effect in 90 days for all current employees. Drug testing is conducted after industrial and vehicle accidents. Copies of the policy, including consent to be tested randomly at any time, are signed by all employees and kept in the personnel records. If an employee fails the initial test, he must pay for it. All new hires are screened for drug use at company expense. They may start work, but on condition of a clean screen within six days. This procedure allows a reasonable opportunity for alcohol to pass through the system. Employees who test positive a second time are terminated. The cost of the program is minimal. An independent, off-site clinic administers the screening test, which is done on the worker's time at a cost of $18. While cost savings are difficult to document, Architectural Landscaping feels its program ensures safe working conditions and that it has experienced improved morale-proof that some rewards go beyond the financial.