You may be the boss but you need workers’ compensation insurance as a form of protection for both yourself as the employer and your employees. Workers compensation insurance just might save your business. It offers financial support in the event that one of your employees gets hurt or becomes ill while performing their job-related duties. Without workers' compensation insurance, YOU can be responsible for paying for medical care, lost earnings, and other associated costs, which might have a crippling financial impact on your company.

Workers compensation claims can arise from jobs like construction that require a lot physical exertion but they can also happen in office environments. It's a policy that every company needs regardless of the work they perform.

When an employee sustains an injury or falls ill as a result of employment-related activities, workers' compensation insurance pays payments to the employee. These benefits may cover things like medical expenditures, rehab fees, and lost pay incurred while the person was unable to work. The employee agrees to give up their right to sue the employer in return for medical treatment and/or wage replacement.

It is crucial to remember that most states have laws requiring workers' compensation insurance, so not having this protection in place can have serious legal and financial repercussions. Working with an experienced insurance expert is crucial to ensuring that you have enough coverage for the specific needs of your company.

There have been reports of Tesla paint being more susceptible to chipping than other car manufacturers. This may be due to several factors, including the type of paint used, the thickness of the paint, and the way the car is designed. Some people have reported that even small pebbles or debris can cause visible paint chips on their Tesla.

If you are concerned about your Tesla's paint chipping, there are a few things you can do to try to prevent it. First, you can try to avoid driving on roads with loose gravel or debris, or at least keep a safe distance from other vehicles to avoid being hit by flying debris. Good luck on that one!

You can also consider installing a clear protective film on your car to prevent rock chips and other damage. This film can be professionally installed and is designed to absorb the impact of small rocks and other debris without damaging the paint.

Another option is to consider having your car professionally detailed and polished. This can help to remove any small scratches and imperfections in the paint, making it less likely to chip in the future. Regular washing and waxing can also help to protect the paint and keep it looking its best.

If you do notice any chips or damage to your Tesla's paint, it's important to address it as soon as possible. This can help to prevent further damage and protect the underlying metal from rusting. You can have the paint touched up or repaired by a professional auto body shop or by a Tesla service center.

Our client's at Blue Sky Insurance seem to be opting for the clear protective film but I am sure they are also washing and waxing their Tesla's too!

If you have gotten the clear coat you will want to check with your insurance agent about this upgrade. You will most likely need to add some form of customization endorsement to the insurance policy to make sure that your upgrade is fully covered in the event of an accident or claim.

Without a customization endorsement, the aftermarket or custom parts added to a vehicle may not be covered by a standard auto insurance policy. In this case the aftermarket addition is the clear coat and without the endorsement the vehicle owner would be responsible for covering the cost of repairs to the coating out of pocket.  Depending on the cost of the clear coat this could be a significant financial burden.

To wrap it up just know that a customization endorsement to an auto insurance policy can provide peace of mind for vehicle owners who have invested time and money in customizing their vehicles. It can also help to ensure that they are adequately protected in the event of damage or loss. It's typically not that expensive in relation to the potential out of pocket costs for repairs and makes the claims process much smoother when you only have to worry about covering your deductible.

Drive Safe!