Starting a business is no small endeavor and needless to say, you probably have a sizeable investment in your new company. Before launching, it is vital to understand that no one is going to be there to protect you against losses, so all the right insurance coverages should be in place from day one. However, as important as it is, money is just the beginning of the losses you … [Read more...]
It’s important that new business owners take protecting their company seriously. There are plenty of people in the world that take great strides in trying to disable new businesses. It’s your responsibility, as a new business owner, to protect yourself, your company, and your employees from potential harm. Here are four ways you can start working to protect your … [Read more...]
So you just accepted an exciting project from a new client, and you can’t wait to get started. But they required a copy of your certificate of insurance before you can begin work. You ask yourself, “What is a Certificate of Insurance? Why do I need one?” A certificate of insurances is a business tool that provides proof of your small business insurance. Make sure to be ready … [Read more...]
Before you open the doors of your new construction company, it’s important to understand the scope of preparation and work involved in running a construction business. Establishing any business, for that matter is far from easy, and there are always things that slip out of mind, even with experienced entrepreneurs. If you feel ready to launch your construction startup, here are … [Read more...]
With the changing tides occurring online, more and more businesses are preparing for the 21st century by adding an online presence to their marketing campaign. The growth of the internet has made it easier for business owners to expand their presence in their nearby communities as well as around the globe. For many, this transition into tech has been the beginning to a success … [Read more...]
Having an employee get injured at work is no laughing matter. Whatever the severity of the injury in question, it can and will throw a substantial monkey wrench in both the employee’s and employer’s lives. Apart from the obvious medical issues, the amount of paperwork that can come about from these incidents can be daunting. It is imperative that, despite any inconvenience to … [Read more...]
Business insurance is unlike any other form of coverage, and your current policy could have some major gaps. A single lapse in your insurance policy might end up costing your company thousands in medical bills, repairs, and legal expenses. If you haven’t reviewed your policy in the last few months, then it might be time to reevaluate your risks. Injuries on Vacant … [Read more...]
The Kaiser Family Foundation reports that, in 2015 approximately 147 million people (63 percent) were covered by employer-sponsored health insurance, costing business owners roughly $12,591 per employee for family coverage for the year. This amount is up from $8,167 in 2005, highlighting the fact that employee healthcare is costing small business owners more money than … [Read more...]
Under the Affordable Care Act’s Employer Shared Responsibility Provisions, employers with at least 50 full-time employees (including full-time-equivalent employees) during the preceding calendar year must offer “minimum essential coverage that is ‘affordable’ and that provides ‘minimum value’ to their full-time employees (and their dependents).” However, a number of small … [Read more...]
You can’t turn on the news or check your favorite media app nowadays without hearing news of some natural disaster that has devastated an area and all of its residents. There’s raging wildfires, flash floods, tornadoes, mudslides, and more all threatening to take people’s homes and livelihoods in various parts of the world. The question is: Have you done what you can to … [Read more...]
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