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Planning for the new year

2010 goals It’s hard to believe that it is a new year.

This is the time of year when we think about getting organized and start our new year's resolution. We all want a fresh start for 2010, don’t we?

Well the best way to get organized is to start by writing down your goals.

It is statistically proven that when we write down our goals, we are more likely to achieve them. Just like your success in business, as Drew McLellan mentioned in his recent blog  - most marketers will enter 2010 with a huge disadvantage - no written plan.

You might be wondering what this has to do with insurance and is there a discount involved? Unfortunately, there are no discounts on insurance premiums for having a written marketing plan. However, there are advantages for having written Employee Handbooks and Safety Plans.

Employee Handbooks can be one of the most important documents that you share with a new employee, as it outlines the expectations of the employee and the employer. From an insurance perspective, it is written documentation that should outline your insurance benefits, provide information regarding your policies and procedures for reporting injuries and an acknowledgment from your employees of the policies and procedures of the company.

Safety Plans – I am sure many of you business owners are aware of the OSHA guidelines. However, some hazardous/ high risk industries can receive significant insurance benefits from having a solid written safety plan in place.  Some of these benefits include, safer work environment, healthier employees and less work related injuries. Less work related injuries can mean lower claims and lower claims can mean lower insurance premiums! Sounds like a win/win situation to me.

If you are not sure how your safety plan measures up or perhaps you don’t have one, there are a number of free services available through insurance companies and the United State Department of Labor – Occupational Safety & Health Administration.

Regardless of what type of business you own or what size you are, having written procedures in place can be beneficial for your business operation. So if you want to start out the new year differently this year – you can do so by just having a plan.

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