What Does Workers Compensation Insurance Cover?

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…

What Is Commercial Insurance?

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…

Surprising Facts about the World Cup

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…

5 pasos para proteger tu negocio de una catástrofe natural

¿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…

7 Tips to Choose the Perfect Commercial Insurance for New Business Owners

Commercial insurance is a necessary expense for any small business. As important as it is, many business owners know very little about insurance policies for businesses and just how much coverage is enough. With other major decisions, like your location or who you hire, you’ll be able to see pretty quickly if you’ve made the right decision. If you get the wrong insurance, it might not come back to bite you until years down the line—and often in the midst…

Halloween Insurance Tips! Not Tricks!

Ghost and goblins and ghouls! OH MY! With Halloween coming up next week, be sure you are ready for some of the possible scares that can come with the holiday.  Jack is cute, but also a hazard. If you carve a jack o’lantern this year for your front porch, consider replacing the fire-lit candle with a battery-operated one. Fire hazards are a real scare for this holiday. In fact, according to the National Fire Protection Association, U.S. fire departments respond…

Commercial Auto Insurance, Explained

What is commercial auto insurance? Commercial auto insurance, also known as commercial vehicle insurance or business auto insurance, provides coverage for vehicles such as cars, trucks, vans, and trailers used for business purposes. Any vehicle that is used to transport materials, tools and equipment, packaged goods or people should have a commercial auto policy. Why do you need commercial auto insurance? Independent contractors and small business owners need to safeguard themselves from third-party liability and property damages that may occur…

5 tips to avoid a business insurance horror story this Halloween

Is your business insurance a trick or a treat? As a business owner, you probably know insurance and risk management should be top priority to ensure smooth operation of your company. However, insurance is a complex area and, as such, there are mistakes or oversights that might prove costly for your business. We’ve made a list based on the most common omissions our experts regularly come across when reviewing the insurance of small or medium enterprises. So, say “no” to…

Hurricane Damage: What Businesses Should Do After the Storm

In addition to tragic human suffering, hurricanes pose a real threat to the economy. Unless business owners know what to do to return to normalcy, residents may not feel the storm’s true impact until months later, as they face still-closed businesses and unexpected price inflation. Mental health professionals also recommend a quick reopening of businesses to bring a sense of normalcy to affected areas. Businesses can help by being prepared for emergencies, and returning to “business as normal” as quickly…

Fun Facts about Workers Comp Insurance

Labor Day was created to celebrate the important fiscal and societal role that the workers had in making the US of A the leading country it is today. Back in the late 1800s and early 1900s it was very difficult for a worker injured on the job to get fair compensation. How far we’ve come! Today’s workers comp regulations bring much more reasonable terms of reparations to the injured worker – and in a rapid manner! One more thing to…