Today’s job market is quickly expanding all over The United States. The workforce is expected to grow at a rate of 4.4% between the years of 2013 and 2017, while in Tucson this rate is even higher at 6.8% (America’s Job Outlook: Occupational Projections 2013-2017, 2013). While this growth in employment typically comes with advantageous side effects such as decreased unemployment rates, metropolitan economic development, and increased spending, there can also be a number of unprecedented pitfalls lurking just around the corner.
One such side effect of this growth is expected to be increased employee turnover rates. As the economy improves, today’s workforce will have a larger selection of jobs available to them making it possible for this same group to explore other employers and benefits, regardless of their current job status. In order to combat employee turnover, companies will need to not only hire right the first time and invest heavily in career development, but they will also need to consider the benefits and perks they’re currently offering. Are they competitive in the market? Are there perks available for offer that the competition isn’t taking advantage of? A simple change that can be made in an employee benefits package is the addition of a Workplace Discount Program. Employers should be proactive in reaching out to local businesses in order to arrange these, and then in turn they should vocalize these changes to their employees so they can be properly appreciated.
Most Workplace Discount Programs function by providing employees with an Employer ID- something that associates them with the business and gives them access to a pre-arranged discount at a participating vendor. While these can take a fair bit of effort to develop, they are a simple and cost-effective way to “sweeten the pie” for employees and can lead to the kind of employee satisfaction that deters job searching.
Shaner’s Suggestion: We are one of the only independent agencies in the area that offers a Workplace Discount Program for insurance coverage. As an employer, our program allows you to expand your employee benefits package at no cost to you. By partnering with the Shaner Insurance Group, your employees can enjoy a percentage discount on already established policies, or we can provide them with a free quote to determine if there is a more appropriate policy out there for them. Call us today at (520)333-6224 or stop in to our office at 1250 S. 4th Ave. for more details and to see if your business qualifies for a program like ours!
Many homeowners in Tucscon, AZ wonder if their home’s roof would be covered by their homeowner’s insurance policy in the event that the roof becomes damaged. While each policy has its own specific coverage terms and amounts, there are general guidelines which may help you determine what kind of roof damage is likely to be covered. Here we will take a look at the kinds of roof damage which is generally covered by most homeowners insurance in Tucson, but it is always advisable that you consult your policy documentation or your broker for further clarification and specifics.
Acts of God
Acts of god is a term which generally refers to natural disasters. Even though Tucson, Arizona is very unlikely to be the site of a catastrophic hurricane or earthquake, roof damage resulting from these natural disasters, as well as a storm, tornado, or other act of god, are generally covered by most homeowners insurance policies.
Tucson homeowners insurance policies usually cover acts of vandalism against your home’s roof, so long as it is deemed unpreventable. For example, if your family is out of town and your home becomes damaged in a protest or riot, this kind of damage will likely be covered. As with all of the categories here, it is best to check with your broker or insurance paperwork to verify that your policy includes this coverage and the amount of coverage provided.
Most homeowners insurance policies cover roof damage which results from fire. However, the insurance company may depreciate the value of your roof, depending on its age and the terms of your individual policy. For example, roofs over 10 years of age may not be paid for 100%. This coverage is important, and it is worth asking your broker what your options are in this respect.
Tucson AZ lies in the Sonoran Desert. Plenty of sunshine for any outdoor activity you can think of. Saguaro National Park nearby has the densest concentration of cactus making a forest. Mission San Xavier del Bac has over a 300 year history and is known for its colorful murals of faith. Old Tucson Studios sets have served as the backdrop of many Western TV shows and movies. Pima Air and Space Museum has 250 aircraft for touring. Yume Japanese Garden gets your serenity back with its cultured landscapes, bonsai, music, and dance. As fun as Tucson is, it does have a bite as anyone who has run into the cactus spines knows. Protecting the family comes high as one of those things to do so everyone can get to the fun in Tucson.
Protecting Your Assets
The home comes as one the largest financial investments a family will make. The Tucson area has plenty of water in the middle of the desert but water comes with issues for foundations. The sinking of a foundation or porch happens when the soil destabilizes underneath. Many foundations crack as a result. Expansive soil maps exist that show where the clay is. To protect your asset for this common occurrence come see me your local insurance agent even before you buy a home. I know things about an area. Most policies in the area need an additional supplement to offer the coverage for such damage. Homeowners insurance adapts to the local conditions positively and negatively. Often more than one policy or supplement exists so comparison shopping is a must. Do a search and try the query box on my webpage. After getting a cup of coffee we can look at the specifics of it and identify your needs. Call today.