Whether you’re starting a small business or exploring ways to expand an existing one, a business plan is an important tool to help guide your decisions. Think of it as a roadmap to success, providing greater clarity on all aspects of your business, from marketing and finance to operations and product/service details.
Read MoreIt’s a new year and a fresh start. A great way to stay on the track for success in the new year is to make sure you have a natural disaster emergency response plan in place for your business. While maybe not the most exciting New Year’s resolution, it is important for management to spend time considering this topic in the context of your organization.
Read MoreFor many organizations, commercial snow plowing is a big part of their business. Since snow plowing is seasonal, it is often performed by landscaping, construction, environmental or home repair contractors as a way to increase cash flow during the slower winter months.
Read MoreCompanies that use trade, assumed or fictitious names may need to file for DBAs in order to comply with the laws of the states where they’re located. DBAs have been around for generations, but they’re the perfect solution for today’s entrepreneurs who want to be nimble as they build their companies.
Read MoreFrom a deconditioned workforce and delayed claims reporting to COVID-19 long-haulers and overexertion injuries, here are key workers compensation risks to watch as businesses adapt in response to the pandemic.
Read MoreWorking in winter weather conditions can be risky for employees. Learn winter weather safety tips to implement at your small business that could lower the risk of injuries for your outdoor workers.
Read MoreBusinesses face various types of theft, including burglary and robbery by outsiders, theft by insiders and identity theft.
Read MoreThe list of common small business mistakes ranges from things as simple as not doing things you’re not good at to not mistreating suppliers and not letting customers mistreat you. Here are 20 common business mistakes with the top 10 new business owners make listed first.
Read MoreManagement liability insurance is a package of insurance policies designed to protect a business and its directors, officers, board members, managers and administrators from lawsuits alleging mismanagement. These coverages can be written as a stand-alone policy or combined in a package.
Read MoreRansomware represented the number one cause of loss in a study of almost 6,000 cyber insurance claims, with the average ransom rising to $247,000 and the average incident cost up to $352,000 in 2020. Ransomware accounted for 32% of all incidents affecting small to medium enterprises.
Read MoreFlu season is nearly upon us. This year’s flu season will be hitting us as the U.S. continues to battle with the pandemic. In a regular year, the flu, on its own, can have a significant impact on organizations in both direct costs and lost productivity. Add in COVID-19, and the cost can be detrimental to a small business.
The steps taken to follow electrical safety standards have a direct impact on your employees and customers. Find out what it takes to identify and eliminate electrical fire safety issues. Plus, learn tips to incorporate electrical safety posters around the workplace. Lastly, learn how a great team can simplify OSHA electrical safety and other insurance requirements so you can focus on running your business.
Read MoreThe Occupational Safety and Health Administration (OSHA) recently cited a company for exposing their workers to unsafe levels of airborne lead. They proposed a fine of over $319,000. This is just one example of citations and fines that OSHA can impose on a business for workplace safety violations. Do you know the other types of violations?
Read MoreWhatever your industry—operating a fleet of 18-wheelers, managing buses for a school district or transporting bobcats and tools for a landscaping company—you are probably experiencing a shortage of qualified drivers. A driver shortage affects the industries considered to be ‘driver-driven’ such as transportation companies, but it’s surprising how other industries are also hurt by this shortage.
Read MoreAn employee turns off the power to a piece of equipment and sticks their arm into the machine to clear out a jam. A co-worker, unaware the power is off , turns on the equipment, injuring the employee. We've all heard horror stories like this, but with thorough lockout/tagout procedures in place, you can reduce the chance of accidents like this happening in your workplace.
Read MoreNational Preparedness Month, celebrated every September, is a great time for small business owners across the country to revisit and adjust their own disaster recovery plans.
Read MoreDid you know that within your boring financial statements are five hidden secrets that could have a significant impact on your business?
Read MoreWorkplace injuries are not always simply the result of one-time accidents. Falling off a ladder, slipping on a wet floor, getting hit on the head by an object falling off a shelf, or slicing a hand on a sharp tool are common ways workers injure themselves while performing their daily job duties. However, long-term injuries that develop caused by repetitive, daily work activities are also common workers’ compensation claims.
Read MoreDid you know that you can view your policy online 24/7?
Read MoreJust as companies are preparing to bring remote employees back to their offices or institute a “hybrid” arrangement, a once-again spiking infection rate due to the Delta variant is driving many of them to put their announced reopenings on hold. We hope these principles will help guide your choice on this dilemma.
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