Winter has already made its return to many parts of the country. Freezing temperatures, heavy snowfall and brisk winds are the reality for the next several months in areas like the Midwest and Northeast. With inclement weather comes the increased risk for slip and fall accidents – especially in icy parking lots or along walkways not properly cleared of snow.
Read MoreOn Jan. 9, 2024, the U.S. Department of Labor released a final rule, effective March 11, 2024, revising the agency’s guidance on how to analyze who is an employee or independent contractor under the Fair Labor Standards Act. This final rule rescinds the current independent contractor rule that was published on Jan. 7, 2021, and mirrors the proposed rule.
Read MoreOSHA has announced their preliminary list of the top ten workplace violations for fiscal year 2023. Topping the list for the 13th year in a row is fall protection. The number of violations in each category increased from last year. Furthermore, the US Department of Labor increased OSHA maximum civil penalties in 2023.
Read MoreIf you’re a small business owner wondering, “How does commercial auto insurance work?” we can help. Commercial auto insurance is a type of auto liability insurance designed for businesses who own and operate company vehicles day-to-day.
Read MoreFederal Motor Carrier Safety Administration roadside inspections are examinations of commercial motor vehicles and drivers by Motor Carrier Safety Assistance Program inspectors. Inspectors conduct roadside inspections on CMVs and drivers to check that they are in compliance with the Federal Motor Carrier Safety Regulations and Hazardous Materials Regulations.
Read MoreImagine business is running smoothly and sales are strong, but suddenly a cruel turn of events occurs. How will you cover these unforeseen expenses and lost sales? This is where business interruption insurance comes into play. Business interruption coverage is included in most business owner’s insurance policies , and the premiums are tax-deductible.
Read MoreIn many parts of the country, winter weather has already arrived. Is your business ready for winter storms? Learn winter safety tips for preparing your business’s property for cold weather and preventing damage to your building from storms and freezing temperatures.
Read MoreSmall businesses are more likely to be targeted by cyber thieves, and those with 500 or fewer employees lose nearly $3 million on average in a data breach. Not only do you need to ensure your network is secure, but you also need to ensure employees are using secure connections in their home office or local coffee shops.
Read MoreA data breach report from the nonprofit Identity Theft Resource Center (ITRC) found that there were 2,116 publicly reported data compromises in the U.S. market during the first nine months of 2023. This figure represents the most in a calendar year, and there are still three months to go
Read MoreIt’s tough to face a situation that sets back your business. Fortunately, if you’re adequately insured, you can recover from these events and keep your business operating. Once you’ve responded to any immediate onsite emergency, follow these steps to file your claim so you can get your business back on track quickly.
Read MoreFires can devastate small businesses, causing property damage, loss of inventory, disruptions in operations and even endangering the lives of customers and employees. However, many of these fires can be prevented through proactive measures.
Read MoreMany contracts involving the sale or exchange of goods and services may require surety bonds. This applies beyond construction to include service contractors, manufacturers, underground utilities operations, building materials suppliers and installers, and retailers and wholesalers. Here are 10 surety contract terms that you should be familiar with.
Read MoreAn experience modification worksheet, often referred to as an experience rating worksheet or experience mod worksheet, is important in workers’ compensation insurance. Understanding the components on the experience modification worksheet is crucial for businesses to manage their workers’ compensation insurance costs effectively.
Read MoreThe National Oceanic and Atmospheric Administration (NOAA) recently announced that the United States has already seen a record number of billion-dollar weather and climate disasters in 2023. The 23 events mark the most disasters of that magnitude on record for a calendar year.
Read MoreIf you’re considering auto insurance coverage for your business, it’s important to understand the basic elements of a commercial auto policy. The more you know, the easier it is to compare coverage and make an informed choice. Commercial auto insurance provides a variety of coverages for cars, trucks, vans and other vehicles used by your business.
Read MoreCommercial excess liability insurance and umbrella insurance are secondary coverage policies that attach after primary insurance policy limits—such as general liability, employer’s liability and commercial auto insurance—have been exhausted. While excess liability and umbrella insurance are often thought of as interchangeable, they are not the same.
Read MoreFrom capital and labor to weather and the economy, many factors that affect business today affect property insurance. Declining Occupancy, Severe Weather and CAT Losses, Supply chain, Property Valuation and more.
Read MoreWhen possible flooding is forecast, keep frequent tabs on weather updates. Learn how to safely store equipment, computers, servers and important documents. Review essential systems to your building, from pumps to generators. Survey your building’s envelope for possible water intrusion: roof, windows, doors and more.
Read MoreAs a small business owner, you realize that people make mistakes; you also realize that not everyone forgives them. That’s why it’s important to have errors and omissions insurance, in the event that a client claims a financial loss for your company’s error, omission or otherwise negligent act.
Read MoreBusinesses need backup plans for emergencies. What happens to your company when a covered loss occurs that causes you to lose income? How do you pay your employees, for instance? One way to help ensure your business has stability during a covered property loss is to add loss of income insurance to your policy.
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