Common Medical Liability Lawsuits: Why You Should Be Insured

Written by Small Business Tips. Posted in Uncategorized

home healthcare business insuranceAny health care agency runs the risk of being sued for liability at some point during the run of their business. This is because health care workers are not only interacting with patients and clients, but they’re interacting with them on an intimate level: helping them get in and out of bed, assisting them with walking or going to the bathroom, and taking care of injuries. In the event that something goes wrong or a medical practitioner is negligent, it’s probable for a patient to sue for liability.

This is why it’s essential for a home healthcare businesses to have home healthcare business insurance of many types including home health workers compensation insurance, home health agency insurance, and home care liability insurance. This is especially the case as home health care businesses are beginning to grow in popularity. It’s important now more than ever while a home healthcare agency is still young to protect your business with home healthcare business insurance.

If you’re still questioning whether or not to get home healthcare business insurance for your business, here are some of the most common liability claims brought up against medical practitioners in the past:

  1. Falls
    When a patient is not being properly taken care of while they are having difficulty walking or standing they could very well suffer from a fall, which could lead to additional injury. In this event, a patient could sue for liability as the medical assistants or other health care workers did not have a secure grip on the patient or were being negligent in the process of transporting the patient.

    Additionally, a patient can sue for liability if a home health care worker drops a patient while they are being transported to a vehicle or are being lifted from one surface to another such as a bed. If the patient suffers from injury due to the event, the employee could be sued for negligence in the matter.
  2. Burns
    It is essential for the home health care worker to take great care in their work as they are in an unfamiliar environment and are more likely to suffer from injury on the job than they would while working in a traditional hospital or doctor’s office. However, while home health workers likely to suffer from injury, so are their patients.

    This is particularly the case with older patients who may not have a quick reaction time. Of those who have suffered from burns in economically developed countries such as the United States, geriatric burns make up 20%. This is because burn injuries are more likely to be severe in older patients as they have a diminished reaction time that results in stronger burns. While caring for geriatric patients in the home, it is essential that home health professionals pay close attention to their patients such that they do not suffer from burns while they are under the employee’s care.
  3. Incorrect treatment
    If a patient was treated incorrectly and the matter was not addressed by a medical professional, the business may be sued for liability. Therefore, when diagnosing or treating patients in a home environment it is important to take into consideration any viable cause to the illness or injury. Additionally, all allergies must be detected so the patient does not suffer from an allergic reaction while under medical care, which may be argued as the fault of the medical practitioner for not taking greater care.

Lawsuits regarding medical liability can be a long and expensive process, which is why it’s essential for a home health business to have home healthcare liability insurance in addition to home healthcare business insurance. While it is important to keep your clients safe, accidents do occur and your business may be blamed for those accidents. As a result, to keep your business safe from litigation, be sure to file for home health care liability insurance.

Water Pollution Causing Concerns Along the Great Barrier Reef

Written by Small Business Tips. Posted in Uncategorized

engineering firmsThe Great Barrier Reef has been under a microscope lately after numerous accounts of pollution have washed up. There has been coal, coal dust, and plastic pollution polluting the beaches and water along the Great Barrier Reef that has sparked major concerns within civil engineering firms and environmental consulting groups alike.

Every year, nearly 25% of the beaches along the U.S. coastline are closed at least once because of water pollution. It’s extremely important that organizations that could help, and certainly those that are accidentally contributing to the pollution, work with civil and environmental engineering firms to limit the damages.

According to Yahoo News, even the smallest particles that are ending up washing ashore near the Great Barrier Reef are causing severe damage.

“There are different ways that coal can cause harm to plants and animals,” said Kathryn Berry, a PhD candidate at James Cook University in Queensland. “The direct physic effects include smothering and abrasion of plant and animal tissues. When small coal particles are suspended in the water, light levels can be reduced, meaning there is less light reaching plants that require it to photosynthesize.”

In addition to coal showing up near the Reef and harming the wildlife, coral bleaching is also harming its health. Traditionally, aerial photos are captured while flying at 10,000 feet in the air. After an aerial survey was conducted in early March, it has been reveled that the Reef is suffering from its second major coral bleaching event in the last 12 months.

Because of these mass bleaching events and poor overall water quality, governments have stepped up progress to actually protect the Reef.

“The Reef remains in trouble,” said Dr. Steven Miles, State Environment Minister. “We know the reef is under severe stress and it is essential we do everything in our power to support its resilience and recovery. Improving the quality of water flowing to the Reef is critical in achieving this.”

The Courier Mail reports that the coral bleaching news comes just days before an event held at the World Heritage Centre in Switzerland that will feature state and federal environmental departments, civil engineering firms, and researchers to discuss the Reef’s deteriorating health.

A legal limit on pollution entering the Reef will be set for the first time in history in order to protect it.

Packaging Like a Pro: 4 Common Types of Packaging Tape to Be Aware Of

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box shippingAt least 20 million containers are currently traveling across the oceans. When it comes to box shipping, it can be difficult to determine the best way to protect any valuable items you may be sending in the mail. Even if you thoroughly cushion the box, there’s still a chance its contents could become compromised if the tape you used isn’t strong enough and the box happens to break open. And if you don’t have packing insurance for shipping, you’ll be out of luck. If you want to learn how to package like a pro, it starts with learning about the different types of packing tape.

  • Masking Tape:
    Masking tape is commonly considered as a type of packing tape, but in reality, it’s much more suitable for other uses outside of package delivery. While it can be used for lighter boxes, it doesn’t have a lot of strength and is generally not recommended for box shipping. It does remove cleanly, however.
  • Printed ‘Fragile’ Tape:
    If you’ve order any product that’s considered to be ‘fragile’ over the Internet, you may have seen this type of tape before. It’s simply a type of secure packaging tape designed to let shippers know that the contents are fragile and should be handled with care.
  • Cross Weave Filament Tape:
    Cross weave filament tape is one of the less commonly known types of packaging tape, but it’s great for protecting the security of the items and reducing the risk of accidental damage or opening by unauthorized parties. The tape’s design allows for the filaments to make it exceedingly difficult to open by hand, so packages have an extra level of security.
  • Custom Printed Tape:
    If you happen to have your own business, you can design your own type of custom printed tape to help endorse your company. The tape can be printed with your company logo and information, or anything else you want to have on it. Not only does this type of tape provide extra security for packages, but it helps develop brand awareness by utilizing a creative marketing product.

Ultimately, you should highly consider the type of package you’re shipping before deciding on the best type of packaging tape to use. For more information about box shipping, contact Unival-Logistics.

Business Goals in RCM: A Practical Approach

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rcm asset managementFacilities for crude oil and plants that deal with wastewater and industrial production are risky environments for aspects such as employee health, environmental hazards, and profit margins. Indeed, much of this risk is simply due to old age. Many oil facilities were built in the 1960s, according to Risk Management Magazine. Half of the assets in wastewater facilities will be past the halfway points of their useful lives by 2020, according to the U.S. Environmental Protection Agency.

Reliability Centered Maintenance (RCM) is a systematic approach to determining what must be done to ensure the reliability, safety, and availability of various physical and human assets in a production setting. The following three steps speak to the process of implementing RCM:

Determine Your Business’s Goals: In order to reap the rewards of RCM, plant management must first identify core business goals. These might be concerning daily production targets and reduction of adverse health, safety, or environmental impacts. Senior management at the plant must ask themselves a number of questions about the state of their facility, even before conducting risk assessment, to determine if their business goals are in line with the state of their plant.

Conduct a Criticality Analysis: One way to get consistent answers is to conduct a criticality analysis, which can often uncover inconsistencies in assumptions or statements made by staff at the plant. This analysis can reveal how the prioritization of certain critical or noncritical tasks might be adjusted.

Develop Maintenance Strategies: When business goals are established, it is important for the maintenance strategist to come up with appropriate maintenance tasks and mitigation strategies that will support the pre-determined business goals.

Implementing RCM is an optimization of costs over time. To get started contact a reliability management firm for RCM asset management. To learn more, contact Pinnacle Advanced Reliability Technologies for asset reliability management support.

A Short Guide to The Basic Anatomy of a Cruise Ship

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vessel partsCruising has become a major part of the tourism industry, accounting for approximately $29.4 billion and over 19 million passengers carried in 2011 alone. Although cruise ships may seem like just another boat, their construction is actually quite different from their ocean liner relatives.

Cruise vessel parts are many and complex, but whether you’re just starting out in the industry or a seasoned sailor, it’s important to know the basic parts of vessels and their anatomy. If you need a refresher or simply want to learn more, here’s a basic guide to cruise ship anatomy.

Centerpiece of the Ship
The centerpiece of a contemporary cruise ship operating on the ocean today is the elevator that runs through the highest traffic areas of its many floors, usually as part of a central atrium. These elevators are typically decked out as a prime photo op for many passengers. While the majority of these elevators are built inside of glass tubes to allow those photo ops, several advances in safe elevator construction that have allowed for the creation of a dynamic lift that brings people to the next floor in style. A wide array of lights, brushed and etched glass, and smoother trips are the most common traits of a contemporary cruise elevator.

Promenade and Activity Decks
The promenade and activity decks are the areas of the ship that are open to all passengers on the vessel. They include pools, nightclubs, rail-side walking or running areas, lounges, on-board shops, dining areas, and restaurants. Passengers and crew on one cruise ship consume an average of 20,000 pounds of beef, 28,000 eggs, and as much as 8,000 gallons of ice cream in a single week. The rate of consumption means these decks are constantly stocked with food and merchandise for passengers.

Emergency Equipment
In case of an emergency, several measures are taken protect passengers and staff. Integrated fire extinguisher systems will address fire anywhere on the ship, and defibrillator units are on board per maritime law in case a passenger suffers from heart failure. In addition, maritime safety standards require that all passengers aboard the ship have the ability to escape in the case of an emergency from which the ship cannot recover. Modern escape cruise vessel parts and equipment are similar to submarines in that they can protect passengers from the elements.

Second to emergency equipment, these are the most important cruise vessel parts. The specialized parts and equipment in these engines is what allows for smooth sailing on a large cruise ship. The lowest decks of the cruise ship contain the engines that propel the boat, and are used at different strengths depending on the ship’s itinerary and the roll, pitch, and yaw of the water that it sails through.

Modern cruise ships, while sacrificing some qualities of seaworthiness, have added various amenities in addition to new and improved engine parts. While they’re a great spot for vacations, they’re also technological marvels worthy of praise and study.

Demand From Marijuana Industry ‘Forces’ Comic Shop Owner to Sell Commercial Warehousing Space

Written by Small Business Tips. Posted in Uncategorized

commercial warehousingThe commercial warehousing and storage business has been booming in many cities across the U.S. in the past year. Overall, the U.S. storage and warehouse leasing industry is worth an estimated $26 billion and the demand for storage space alone rises by an average annual growth rate of 7%. One of the biggest factors influencing the cost of leasing a warehouse or even finding commercial warehousing available in some cases is the growing legal marijuana industry.

In most states even where it’s legal to grow marijuana, it must be done so indoors. This has caused difficulty in even finding a warehouse to rent for the Toys 4 Tots program in one case in Colorado.

In another example of how the cannabis industry has affected prices for renting a warehouse, the owner of Mile High Comics, Chuck Rozanski, announced earlier this month he’ll be selling at least one of the commercial warehousing properties he owns, according to the comic news source

Rozanski decided to sell the commercial warehousing space in Colorado he currently uses to store comics and books after he discovered the current listing price had ballooned to almost $1.6 million.

“By pure happenstance, both of our buildings are legally zoned for commercial pot-growing operations,” Rozanski said. “Buildings with that zoning here in Colorado have exploded in value over the past 48 months, more than doubling in market value. While pot growers still cannot legally open bank accounts, they have become the most active buyers of commercial warehouse buildings in Denver, usually showing up with sacks of cash.”

The subsequent move that will be required has also given Rozanski a reason to run a new sale to help reduce the amount of product he has stockpiled up.

Although the marijuana industry has certainly contributed to the recent boom in certain warehouse value, the industry has been healthy even before Colorado legalized marijuana use and cultivation. In fact, warehouses of at least 100,000 square feet built since 1990 have never posted a quarter of negative absorption, and their total occupied space is more than 200 million square feet above prerecession levels.

Don’t Sign Your Warehouse Lease Until You’ve Checked These Things

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determining warehouse space needsAs the U.S. economy continues to improve, more businesses are looking for commercial warehousing locations to store their products. Both online and offline retailers will need a combined 25 million square meters of additional warehousing and distribution space in order to handle all the products they sell. As a result, the demand for storage space has an average annual growth rate exceeding 7%.

With the commercial warehouse industry on the rise, business owners now have more flexibility when determining warehouse space needs. However, business owners must remember that each property still has its own requirements or obligations, and not all warehouses are built the same. Here are a few things that a savvy business owner should check when finding a warehouse to rent.

When looking at commercial warehouses, make sure to check whether or not the facilities have sufficient access to electrical power according to your company needs. If the building doesn’t have the right amperage and power, it can lead to blown transformers, or under powered machinery. Pay particular attention to the warehouse’s lighting, as electric lighting devours almost 40% of energy consumed by industry. Also, make sure the building is properly equipped with the right plumbing, heating, and cooling systems to ensure your employees can work comfortably.

Maintenance and Other Expenses
Just like a regular home lease, maintenance of the property needs to be worked out between the landlord and tenant. In most cases, tenants are responsible for taxes, insurance, and most repair costs. Talk to the owner of each building to get an idea of who takes care of what, and what kind of maintenance costs you should expect. That way you can get a better picture of what the location will end up costing you.

While it can be hard to think of expansion when you haven’t even signed the lease, every good business owner knows you have to factor in your company growth when determining warehouse space needs. Ask the landlord at each location if there are any adjacent tenants to see what kind of expansion options are available to you.

The Top Four Tasks to Prioritize When Licensing a Marijuana Business

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licensing a marijuana business

Within the next five years, the national legal cannabis market will have a worth of at least $10.2 billion — perhaps more, if more states join in legalizing cannabis. It’s no wonder then that so many entrepreneurs have sought to make their mark in the cannabis industry, leading not only to profits but to job creation and ties to community interests. In Colorado alone, for instance, the industry created between 7,500 and 10,000 jobs just in 2014, and more are on the way.

If you are thinking of starting a medical marijuana business, cultivating cannabis, or joining any other part of this rapidly expanding industry, you’ll need to prioritize the following four tasks before licensing a marijuana business.

Prepare for the Application’s Submission
Before you even think about licensing, you’ll need to fill out an application first. In 23 states and the District of Columbia, these applications are primarily for medical marijuana licenses. Just four states (Alaska, Colorado, Oregon, and Washington) have fully legalized cannabis to allow for recreational use, as well. In those four states, there are separate applications for medical and recreational cannabis business licenses.

Familiarize Yourself with the Request for Proposal Format
One of the most important tasks you’ll complete when licensing a marijuana business is writing up your business proposal. This proposal needs to be strong and comprehensive in order to get an approval from the state. If writing isn’t your strong suit, or if you are unsure about the format for the request for proposal (RFP), make sure to work with a cannabis consultant to get some sound advice.

Work with Industry and Out of Industry Experts
If you are filling out your application and developing your cannabis business proposal yourself, you may begin to feel burnt out by these daunting tasks. This, however, is the best time to look into hiring a cannabis consulting firm to help you make sense of the proposals and regulations for licensing a marijuana business. Whether you’re focused on cultivation or wholesale or you’re looking at marketing a retail space, a cannabis consultant can work with you every step of the way. In addition to industry experts, you might also reach out to others in your community who can help with branding, building clientele, and other common business practices.

Develop an Ongoing Plan for Working with Employees, Patients, and the Community
While some communities welcome the opportunity for new businesses to bring revenue to the town or city, others are a bit more resistant to change. You may need to attend town board hearings or work with cannabis consultants to determine where your business would best fit. In addition to working with the community and building a client base, you will also need to hire employees and make sure that they are fully trained. Having reputable and responsible workers means that your business will be less likely to draw scrutiny in your community.

Have more questions about getting a license for your cannabis business? Ask a consultant about what you need to do. The more advice you seek from industry experts, the better chance you’ll have at avoiding some of the pitfalls of the licensing process.