Blog

At VGM Insurance, we’re passionate about providing resources to help you mitigate risk and reduce losses. Below, you’ll find a scenario – based on a true story – that highlights the importance of proper inventory management. As you read through this real-life claims scenario, you’ll take the point of view of a provider in search of a ventilator that’s gone missing after being rented to a patient for a prolonged period of time. Costing thousands of dollars, many...

VGM Insurance Services has been named one of Business Insurance magazine’s Best Places to Work for 2018. The annual Best Places to Work in Insurance program recognizes employers for their outstanding performance in establishing workplaces where employees can thrive, enjoy their work and help their companies grow. “We are humbled to be recognized among the more than 1,000 Managing General Agencies (MGAs) nationwide as a Best Places to Work,” said Mike Kloos, president of VGM...

According to the American Heart Association, there were more than 350,000 out-of-hospital or sudden cardiac arrests in 2016, and the rates of survival in those incidences were less than 12 percent. That is fewer than 42,000 survivors out of 350,000. Will one of these instances affect one of your coworkers, employees, or customers? The fact is, we don’t know. Sudden cardiac arrest can strike anyone, at any time. The only thing we do know is that the use of an automated external defibrillator,...

The 2017 and 2018 Atlantic hurricane seasons have been among the worst in history. In 2017, four hurricanes – Harvey, Irma, Maria, and Nate – were so costly in terms of death and destruction that the U.N. World Meteorological Organization, which since 1979 uses a six-year naming rotation, will no longer assign those names to hurricanes. They join the list of retired exceptional hurricane names such as Katrina, Sandy, and Isabel. The 2017 hurricane season was not only the most active...

The 2017 and 2018 Atlantic hurricane seasons have been among the worst in history. In 2017, four hurricanes – Harvey, Irma, Maria, and Nate – were so costly in terms of death and destruction that the U.N. World Meteorological Organization, which since 1979 uses a six-year naming rotation, will no longer assign those names to hurricanes. They join the list of retired exceptional hurricane names such as Katrina, Sandy, and Isabel. The 2017 hurricane season was not only the most active...

Insurance can be tricky. Ensuring the safety of your club’s property – buildings, equipment, and inventory – as well as those who frequent your facilities – employees, members, and guests – is an important consideration when reviewing your insurance coverage needs. Without adequate coverage, reimbursement for claims following major losses could fall woefully short, leaving your entire business in serious jeopardy. To help protect your business from being underinsured,...

Large practices may have the resources for a larger and more complex risk mitigation plan in regards to HIPAA, but even a small practice can effectively manage their risk in house with the following tips – and do it cost effectively. It is important to be aware that PTs and PTAs must comply with HIPAA regulations. One of the top priorities at your practice should be to assess possible data breaches at every turn. HIPAA defines “breach” as the acquisition, access, use, or disclosure...

When most people think about vehicles on a golf course, golf carts immediately come to mind. But, there’s far more four-wheeled equipment on a golf course than what your members and their guests use to traverse your track. Pickup trucks used for general maintenance and light hauling, lift trucks for landscaping and building maintenance, ATVs for service work, tractors with various attachments, and mowers are the most common types of service vehicles used on and around a golf course. Add...

As of July 13, 2018, 46 states and the District of Columbia had passed laws legalizing the use of marijuana in some form or another - and these are changing seemingly by the day. With the complexity of issues surrounding marijuana use continuing to evolve, so too, do the issues facing employers with regards to medical marijuana use, off-duty use, and workplace drug policies including drug testing. It’s more important than ever for employers across all industries to become familiar with...

According to the United States Census Bureau, there are more than 260 million vehicles in the U.S. Chances are good your employees use club vehicles for personal use, or they use their personal vehicles while performing club business. In either case, it is imperative that you as owner or manager develop and implement a vehicle use program to mitigate your club’s liability that may arise from an accident caused by an employee while operating a club or personal vehicle. Employee Use of...