The following blog posts have the category Business interruption
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Spring brings warmer weather, blooming landscapes, and–unfortunately–a higher risk of storms. From heavy rain and strong winds to hail and tornadoes, spring weather can pose serious threats to your business. While you can't control the forecast, you can take steps to help protect your operations, property, and people.
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In many cases, the reasons for letting someone go are quite obvious and difficult for employers to ignore. This includes things that can be measured, like a decline in performance made clear by shrinking sales numbers and frequent absences. Then there are the ones that are witnessed or reported from other workers, such as poor team dynamics and low overall morale.
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Business is a great way to supplement your income, pursue your passions, or build a foundation for a future full-time venture. However, it's important to be aware of the risks involved before you take the plunge.
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Both business owners and employees have likely heard of OSHA, which stands for the Occupational Safety and Health Administration, a federal agency that sets and enforces safety regulations to ensure a safe and healthy working environment for employees.
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No matter what part of the country you live in, summertime is when service industry businesses are in full swing. The nice weather brings people out, it's when many try to tackle home improvement projects, kids are out of school, and families tend to travel more it's an action-packed time of year.
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Now that the tax deadline for 2022 has passed, as a business owner, you might be left thinking about ways to make it easier when the next one rolls around. Since many are busy enough actually running the business, it's easy to push the accounting work to the side, which is fine... until tax season approaches. By then, you have a mammoth job ahead of you.
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As a business owner in Florida, you have the option of hiring contract or permanent employees – and many more businesses are using contract workers while sorting out the uncertainty in the economy. A contract employee is essentially a freelancer who has agreed to work for you for a mutually-agreed upon period of time, which may be extended if you see fit. A permanent employee has been hired with the understanding that he or she will go on working for you until a termination or a resignation. Both types of employees have their advantages and disadvantages. Some of the advantages of contract employees, however, are illusory.
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Successful small businesses are often the result of the proverbial blood, sweat, and tears of the owner. They require no small measure of risk, sacrifice, and commitment. Long hours, unpredictability, increased responsibility, financial insecurity, and a host of other factors all make running a small business a challenging and taxing endeavor.
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With the rising cost of homeowners' insurance, it is important to try to find ways to help reduce premiums. One of those ways could be through the use of technology. The advancement of technology has resulted in the creation of "Smart Homes" to handle various functions throughout a residence. These functions can provide another layer of of automated protections that could lower claims, and thus lower rates.
There are many online sites today where you can purchase insurance. While the rates may seem to be low and the convenience of a quick purchase is available, you could be making a serious mistake missing out the coverage you truly need. In a study conducted by InsightExpress and The Hanover Insurance Company, 60% of consumers who purchased insurance directly online within the last 10 years have switched back to using an Independent Agent to help them obtain their insurance coverage.
When we have elderly family members to look after, we tend to spend a good amount of time helping them deal with their health insurance and health care coverage. But it is also important not to overlook their property and casualty insurance coverage. In most cases, their biggest liabilities are with their home and automobile
In today's business environment when competition for employees is very tough, you need every tool possible to attract candidates. And while most employers believe that high salaries are the answer, in reality, employee benefits have become a huge factor in the selection of a job, especially among millennials.
Through the everyday operations of a company, small businesses face a variety of potential risks, including liability lawsuits which can catch a business owner by surprise. Even if the lawsuit is frivolous or you are not at fault, you could still be subject to costly litigation.
When operating a small business, most business owners realize they need to protect their company's assets with a general liability insurance policy. But if your business is paid for recommendations, advice, guidance, professional services or manufactured goods, then you may need the additional protection of a professional liability policy, better known as Errors & Omissions insurance.
Both small and large businesses can have numerous insurance needs. And even though most standard lines of business insurance policies cover most risks, those companies that have unusual or high-risk endeavors involved in their business operations may need even more protection with specialty insurance.
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Around this time of year, many people start making New Year's resolutions. These include eating healthier, losing weight, paying off debt, setting new salary goals or starting up a new business. But one area of your life, your financial well being, is where it makes sense to create some resolutions for the New Year with your insurance coverage.
Whether you're a business owner, contractor, or employee, most likely you take job safety and on-the-job injuries seriously. But many people have incomplete or incorrect information about Workers Compensation Insurance, which is designed to support both employers and workers when an injury does occur. The following are five major myths about Workers' Compensation:
For a small business owner, having to let go of employees is never easy. When employees have become like friends or even family, it can be especially tough to make a decision to do what's right for your business. So how do you know when it's time to let people go, and how do you downsize in the most humane way possible? Here are some things you should consider before downsizing, and some tips for going through the process.
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If you're a small business owner, chances are the pandemic has been especially tough on you and your family. You may have had to change your business model, lay off employees or worse, close up shop indefinitely. But what about your employees? If you're a small business owner looking to support your staff through the pandemic, here's what you need to know.
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In theory, as a small business owner, you hire some employees because of their skills and expertise, and others for their labor and ability to learn. But there's no getting around the fact that both types of staff will need at least some training, and both will benefit from clear expectations and guidance.
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Deciding to sell your small business is no small decision. Whether you're moving on to a new opportunity, shifting your professional focus, or just handing over the reins to an owner with fresh enthusiasm, it's always bittersweet to let go of something that you undoubtedly poured yourself into. Here are some things you can do to ease the transition and leave on a positive note:
Whether you use a single vehicle or an entire fleet for your business, keeping them running smoothly is critical to fulfilling your business goals. And if employees are using those vehicles, that adds in another layer of complexity. Here's what you need to know about how to keep your business vehicles well maintained, and keep your employees safe on the job while using them.
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Although the idea for Inland Marine Insurance was inspired by Ocean Marine Insurance, which protects cargo and equipment while in transit on the ocean, it doesn't actually have anything to do with the sea. Inland Marine Insurance is a specialized coverage that can cover equipment, tools, project materials and other items while they are being transported on land, or while they are off your property. This type of insurance can benefit a wide variety of business and provide protection in some common situations that wouldn't normally be covered by insurance. So does your business need Inland Marine Insurance?
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Owning a business means that you're responsible and often liable for the welfare of your staff and clients. Winter can bring extra hazards and increase the possibility of accidents and injury.
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Some small business owners in Florida can hardly keep apace with the holiday rush; other businesses slow down to a near crawl during this time of the year. So how do you make the most of the season, regardless of which end of the spectrum you're on?
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For small business owners, hiring and managing employees can be a rewarding but stressful part of the job. During uncertain times, maybe you need extra help but are thinking twice about committing to an official employee. So when should you hire, and when might an independent contractor or outsourcing company be a better fit? Here are some tips to guide that decision.
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Business Interruption Insurance (BII) is an often overlooked insurance coverage that protects against exposures to loss every bit is vital as fire or litigation.If your business is forced to close your risk is not limited to temporary loss of income, which can be devastating in and of itself.You also run the risk of losing customers who turn elsewhere for their product or service needs.You may have difficulty paying key suppliers during an income interruption causing further long term loss as those suppliers sever their business relationship with your company.
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