Tom Molloy Insurance

Distinctive Insurance Provider in Southwest

admin — Tue, 20 Mar 2012 17:13:51 +0000

What makes Tom Molloy Insuance distinctive in the field of insurance agencys?

The Tom Molloy Agency is dedicated to finding the best fit for your needs in the personal and/or commercial arenas.

Located in Las Vegas Tom Molloy services Utah, Nevada, California, and Arizona.

Tom Molloy is family owned and operated.

Tom Molloy is coming up on 30 years of licensure having been established in 1983.

Tom Molloy offers a wide range of products in order to precisely nail your need for coverage.

Tom Molloy keeps fiscal matters in mind finding you an affordable fit.

But the biggest distinction between Tom Molloy and the other guys….no cookie cutter solutions, considered care is used when crafting each coverage solution.

TEXTING REGULATIONS ACROSS THE NATION

admin — Tue, 13 Mar 2012 23:16:31 +0000

Recently an 18 year old coed lost her life heading away from campus for a home visit. It was reported that she was traveling at 80 mph and texting on average every 90 seconds. One of her last messages is a haunting indication of her awareness of the safety implications of her actions as she told a friend she had to continue their conversation later because she was driving.

A tragic loss for her friends and family, but one that has her parents adding their voices to the growing call for nationwide laws regarding texting and driving. Across the nation 35 states, D.C. and Guam have bans regarding texting for all drivers. An additional 7 states prohibit text messaging by novice drivers. Three states restrict school bus drivers from texting while driving.

In the four states serviced by the Tom Molloy Insurance Agency three of them have bans on text messaging while driving, Nevada, California and Utah.

The following link has a state by state chart of regulations regarding not only texting but also the use of cell phones and hand held phones. Regulations regarding school bus drivers and novice drivers are also detailed. Some states have distracted driver laws that regulate many of the same behaviors.

Review the information and become familiar with those laws that exist where you live and travel. Safe practice is critical to the best protection.

http://www.ghsa.org/html/stateinfo/laws/cellphone_laws.html

SUMMER IS COMING TIME TO REVIEW YOUR RECREATIONAL COVERAGE

admin — Sun, 11 Mar 2012 23:12:26 +0000

Spring is almost here and the highway is calling….recreational vehicles are coming out of hiding, motorcyclists are taking advantage of milder weather, boat enthusiast are looking forward to hitting the high seas and hidden inner passages.

In the Tom Molloy Insurance service area, adventure seekers and those just out for a relaxing drive are prepping for a fun filled summer throughout California, Arizona, Utah and Nevada. Highway 12 in Utah is just one of the many routes offering amazing vistas and stunning scenery.

Starting to plan for a ride of fresh air and freedom this summer…this link gives you great information about 17 rides in Utah including rides in the Rocky Mountain, Colorado Plateau and Great Basin areas. http://www.motorcycleroads.com/Routes/Utah_120.html

Before you ride make sure you are fully covered, compare your current plan with one from us…you may be surprised. Happy Trails!

Workers Compensation Protects Employers

admin — Tue, 07 Feb 2012 00:28:50 +0000

In this economic climate many employers are looking for ways to trim expenses. The expense of providing Workers Compensation Insurance is one area that some employers may choose to take a risk, especially those businesses with few employees, who generally use contracted services, depend on family members to conduct business, or feel that they somehow fit into a category that might excuse them from providing this protection.

The consequences of taking this risk are high. Failing to have Workers Compensation Insurance is a criminal offense. The penalties imposed by different states vary but can include fees of up to and exceeding $100,000 and stop orders. In some cases imprisonment is possible. Protect your employees and yourself with adequate coverage.

In all of the states that the Tom Molloy Insurance Agency provides coverage each state mandates Workers Compensation Insurance to all employers with one or more employees. Nevada, Utah, California and Arizona, all have the provision that employees are not to pay or offset the cost of the policy. Additionally, in Arizona Workers Compensation is a no-fault system. This means benefits are available no matter what caused the job related accident, regardless of if the employee was at fault or partially at fault in causing the injury.

Establishing and requiring compliance with a workplace safety program is one way to help insure a safe workplace in which to conduct your business. Workplace safety programs should include:

1. A safety manual for each employee, including rules and procedures.

2. Regular inspections of the workplace to identify potential risks and create a plan for correction.

3. Work stations that adjust to reduce stress injuries and education regarding safe body mechanics including safe lifting for employees.

4. A plan that allows for staying in touch with employees who are off work due to injury. Return to work provisions with reduced workloads or light duty assignments to help employees return to the work place.

5. On the road safety procedures for all employees who drive a vehicle for the business, whether the vehicle is owned by the business or the employee.

6. Keep records of all injuries and accidents along with action steps and goals toward making improvements and eliminating or reducing risk.

7. ‘Notice’ is a word that can be a strong motivator. Communicate the expectation to have a safe workplace and recognize compliance with safe practices.

The information provided here does not cover every aspect of workers’ compensation law. There are often exceptions to general rules, unsettled areas of law, and recent changes in the system. When shopping for Workers Compensation policies keep in mind the needs of your business. Consider cost, but also ease of access to claims adjusters and the doctors in the network.

Independent contractor, small business, LLC, sole-proprietorship, or seasonal….whatever your business model protect your investment by securing and maintaining a Workers Compensation policy that fits.

Las Vegas Insurance Company new Mobile Ready Site

admin — Thu, 20 Oct 2011 10:05:07 +0000

With over 25 years in the industry and licensed in Nevada, Utah, Arizona and California, Tom Molloy Agency is a family owned and operated agency established in 1983. No “silver bullet” solution, we make balanced recommendations based on your core values and long-term objectives .

Through this website our clients will find the tools needed to gain information, request quotes, contact agents, customer services and claim numbers, and more tools needed to review, revamp and secure quality coverage for their families and businesses.

Review our website and if you have questions, need further information or just want to discuss your needs contact us today. We are dedicated to finding you the best fit.