By Shannon Butler
November 1 is National Author’s Day. It is a day to celebrate authors for sharing their stories, expanding the frontiers of our imagination – transporting us to faraway lands in days long ago or generations yet to come. Helping kids of all ages slumber soundly, or for entertaining us awake for “just one more chapter”. For giving of themselves to share their knowledge, pain, successes, struggles, expertise, or vision. Inspiring us to learn new lessons about a particular subject or about ourselves, to carry on, take action, help us to feel connected, or at least not alone.
For all of this… to the authors of the stories that entertained or taught us something in the moment, to the ones which shaped our childhoods and those which helped us navigate our present. Thank you.
Want some ideas on how to celebrate National Authors Day?
Read a book you have been meaning to start, visit your local library or bookstore, chat with a librarian or book seller to find out about new authors on a subject or in a field which interest you. Encourage your child to pick out a book and read it together. Share books with your local Little Library. Order a book online and lastly support and encourage an aspiring author you know.
Today Butler Vet Insurance, And Butler & Associates Insurance Agency are celebrating our favorite author – Bill Butler, Founder and President of Butler Vet Insurance and author of the Amazon Best Seller: ProtectingYour Veterinary Practice: Proven Insider Insurance Secrets Every Veterinarian Must Know. Thank you for sharing your knowledge to help ensurethe practices which veterinarians have worked so hard to build are protected.
#National Author’s Day #Billbutlerauthor #insurewithbutler #butlervetinsurance #billbutlerspeaker #ProtectingYourVeterinaryPractice #AppleVallyMN
September is National Preparedness Month
Creating a plan for you and your pets
By Shannon Butler
Did you know that 54% of households in Minnesota and 70% of families in the US (90.5 million families) have at least one pet? According to recent data from the ASPCA, of the 90.5 million families with a pet – 83% describe themselves as living in an area where natural disasters occur. Over 1 in 5 (18,100,000) evacuated their homes due to emergency or disaster. Of those over 18 million evacuees, half (9 million) reported having to leave at least one pet behind. Of those 9 million evacuees, almost 40% (3.6 million) didn’t return home for at least four days. These are startling figures. No one wants to think about disaster striking, or the idea of having to leave a pet behind.
One more striking statistic…90% of pet owners indicate they would not leave a pet behind, but only 46% of pet owners report having an emergency preparedness plan which includes their pet.
If you are thinking now, during National Disaster Preparedness Month, is the time to create a preparedness plan, or review your existing plan here are some tip to help you and you pet should disaster strike:
1. Create a plan. Include a trusted pet-buddy who can get your pet to safety in the event you are unable to.
2. Know where your local pet-friendly evacuation shelters are, and what requirements they may have
3. Microchip your pet, or at least make sure they have id tags and updated contact information.
4. Create a comfort-kit for your pet
Comfort kits are to provide for basic needs and help reduce the stress some pets experience when change occurs. Set a reminder to rotate or replace perishable items.
What to include in your pet’s comfort-kit:
1. Food & water, enough to last 3 days is recommended. (don’t forget a dish to put it in). Keep food in a airtight container and mind expiration dates.
2. Any medication your pet needs to take on a regular basis, & your veterinary clinic information. Place in an airtight container.
3. Pet transportation items – Crate/carrier/pet tote bag, leash, or harness
4. Sanitation items like litter & litter box, pet pads. Include a small pack of pet wipes should a clean-up be necessary.
5. Comfort items – preferred toys, small pet blanket, treats or grooming supplies to help your pet feel more comfortable.
6. In the event you and your pet get separated, a picture of you with the pet may facilitate reunion. Place in airtight container with the medication and veterinary information
Employee Driven Lawsuits & Employment Practice Liability Insurance
October 21, 2021
Written by Bill Butler CIC, CISR, CWCA
Employee Driven Lawsuits
These can come at any time even if you didn’t do anything wrong but they can also have these occur if you don’t take action like the practice in Oregon.
Settlements average $40,000 – $50,000 but if you go to court and there is a jury award those can be much much more!
Having protection in place is key to cover your practice.
Employment Practice Liability Insurance
Employment Practice Liability Insurance or EPLI can protect you from employee driven lawsuits. Sometimes this coverage can be added to your current business insurance policy but often times the coverage limits are lower and or limited. By purchasing a stand alone EPLI policy you can purchase higher limits of coverage usually starting at $1,000,000 and they go up from there.
Many stand alone EPLI policies also provide coverage for the following:
- Any actual or alleged act of “harassment”
- Any actual or alleged act of “discrimination”
- Any actual or alleged wrongful dismissal, discharge, or termination (either actual or constructive of employment)
- Any actual or alleged violations of the Fair Labor Standards Act (wage and hour)
- Employment-related misrepresentation
- Employment-related libel, slander, humiliation, defamation, or invasion of privacy
- Wrongful failure to employ or promote
- Wrongful deprivation of career opportunity, wrongful demotion, or negligent evaluation
- Wrongful discipline
- Vicarious liability for intentional acts
- Punitive damages
- Coercion or humiliation as a consequence of race, marital status, gender, age, physical and/or mental impairments, pregnancy, sexual orientation, or any other protected class or characteristic stablished by any applicable federal, state, or local statute
An added benefit of purchasing Employment Practice Liability Insurance are tools to prevent a claim from occurring and often you can access legal advice in the event of potential claim to assist you in handling the situation properly.
To protect your practice from Employee Driven Lawsuits contact the insurance agents at Butler Vet Insurance for more information on purchasing an EPLI Policy.
Workers Compensation – The Price is Right!!!!
October 20, 2021
Written by Bill Butler CIC, CISR, CWCA
Certified Work Comp Advisor
Paying too much?
We have found that most Veterinarians are overpaying on their Workers Compensation premium by 22%. There are a variety of reason for this…
- incorrect class codes
- incorrect payrolls
- working with an agency who doesn’t understand your industry
- being placed with a carrier that over charges for Vet clinics
In most cases the Veterinary Practices we work with didn’t have a clear understanding of how their workers compensation premium is calculated, what an experience modification is and how that affects the premium prior to working with us.
Your payroll multiplied the rate per $100 of payroll is how the base premium is calculated and in Minnesota every insurance carrier charges a different rate per $100. Working with a agency that understands your industry is the first step in making sure you are getting the best value for your Work Comp policy.
How do you Know if You Are Paying Too Much?
If your rate of remuneration is more that $1.40 you are paying more that you should for Workers Compensation. If you are claims free or have lower claims in the last 3 years you shouldn’t pay more that $1.20 per $100 of payroll.
To see what you could be paying for Workers Compensation use our Quick Quote Tool and in less than 3 minutes you can get a Workers Compensation quote. We can work with you to finalize it once submitted to see if we can save you 22% with one of our preferred carriers.
The insurance professionals at Butler Vet Insurance would love to assist you in making sure you are paying the right price for your Workers Compensation Insurance.. For more information Contact Us.
For information on other Workers Compensation Topics