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La recompensa de ser propietario de un pequeño negocio puede traer sus riesgos. Algunos accidentes o robos, por ejemplo, pueden derivar en ingresos perdidos, responsabilidades legales y grandes dolores de cabeza. Afortunadamente, puedes proteger a tu empresa identificando posibles riesgos y tomando pasos de preparación ante ellos. Aquí hay cinco riesgos empresariales y cómo puedes ayudar a minimizar las consecuencias. Riesgo n.º1: Daño a tu empresa o a sus contenidos ¿Qué pasaría si los bienes de tu negocio, su ubicación…

Most small business owners carry standard business insurance policies such as property, liability, and business interruption to protect them from loss. But every small business is unique, which means many of its risks are too. To help you understand potential business exposures and their insurance solutions, here are six small business insurance facts that owners and managers need to know. Before we dive in: every small business needs business insurance. It can be a lifeline in difficult times. You may also…

Many insurance options are available to small business owners, and knowing which ones are essential can be challenging. This guide will discuss the four types of insurance that every small business should have: property insurance, liability insurance, workers’ compensation insurance, and health insurance. Let’s take a closer look at each one! What Is Small Business Insurance? Small business insurance is insurance coverage designed to protect businesses from risks. It can cover everything from property damage to liability claims and can…

It’s Spring Cleaning season!  The frigid air of winter is fading away and being replaced by the chirps of birds, the heat of the sun, and luscious green grass.  Not only is this the perfect time to clean out your home, but it’s the perfect time to clean up your insurance! Auto Insurance Do you still need all the coverage you had in the winter?  Perhaps you need more coverage now?  Speak to an insurance agent about your current policies. …

You’ve probably noticed that gas prices are coming down. According to GasBuddy, North Carolina’s average dropped 40 cents from last month, and South Carolina’s almost 44 cents. But Action 9 investigator Jason Stoogenke says drivers should plan to pay about $10 more on car insurance per month next year. The group Insurify says the average driver has been paying $1,777 for car insurance this year. The group expects that to go up to $1,895 next year, which is a 7%…

Follow these steps to prepare your small business for winter As your small business gears up for the holidays and year-end reporting, don’t forget to have a plan in place for severe winter weather. Last year we saw extreme winter weather hit such southern locales as Miami, so now’s the time to begin to prepare your small business for winter.   Winter energy-saving tips Lower your thermostat during off hours. Why pay to heat your building when no one’s there?…

Workers compensation insurance has a dual role. It protects your business as well as all of its employees. States require businesses to purchase the insurance, so business owners in the pool and spa industry need to know what, specifically, it covers. Workers Comp Protects Your Business If an employee is injured at work, your business has no obligation to pay a worker who is absent and accepting weekly compensation payments. The employee who accepts workers comp payments relinquishes the right…

If you’re going to do business, insurance is a fact of life. Insurance is the means by which you protect yourself both from disaster and from liability while you do business. Pretty much everyone knows what insurance is — after all, if you want to drive a car, you’ve got car insurance. If you need to go to the doctor, you’ll need health insurance. Everyone who owns property has homeowner’s insurance, and many who lease have renter’s insurance. Commercial insurance…

22 Surprising Facts About the World Cup We all enjoy our football, and rightfully so. We’ve been playing “gridiron,” as it’s known in other countries, since 1869. If you’ve been fortunate enough to travel abroad, and I hope that you have, you’ve no doubt discovered that “football” in other countries isn’t football at all. Rather, it is what we call soccer, and if you think we’re passionate about our football, you haven’t been to a “football” game abroad! Just like…

¿Tu propiedad comercial está protegida? Sigue estos pasos para que ninguna catástrofe natural te tome por sorpresa y sepas cómo protegerlo. En cuestión de minutos, una catástrofe natural puede ocurrir, y en muchas ocasiones, sin advertencia. Esto implica grandes preocupaciones y posibles pérdidas para pequeñas y medianas empresas. Proteger tu propiedad comercial es algo que debes hacer para estar preparado en todo momento. A continuación, te compartimos cinco pasos claves para cuidar tu propiedad comercial ante cualquier evento atmosférico. Paso…