Keep your business safe from employee theft. A good business environment is built upon trust and mutual respect between the employer and their employees. However, employee theft can pose a serious threat to your business. Here is how you can protect your assets. Crime Coverage Protecting your business from employee crime is imperative. Read More
How to Secure Your Business from the Threat of Employee Theft
What Impacts Your Commercial Auto Insurance Policy Premium?
Business owners, here’s what affects the rate of your commercial auto insurance. California business owners may wonder why their insurance rates for commercial auto coverage have increased each year. For this reason, it’s important to know what impacts rates. Check out why your premium may be higher than you thought. Increased Read More
What Is an IIPP and How Does It Work?
As a business owner, it's up to you to create your own IIPP to not only protect your employees but to protect your business. The Injury and Illness Prevention Program (IIPP) is a simple written workplace safety program that is meant to protect your employees and your business. Referring to Title 8 of the California Code of Regulations (T8CCR) Read More
Earthquake Safety Tips
Recent geological evidence suggests there is a 60 percent chance that an earthquake of magnitude 6.7 or higher will strike California in the next 30 years. An earthquake is the result of tectonic plates shifting across the surface of the Earth. These movements register at no more than a few centimeters per year, but their incredible mass is able Read More
New Overtime Rules and Regulations: Your Questions, Answers, and Concerns
New overtime rules have placed into law, which may affect your business and its employees. Back in mid-May, the Department of Labor (DOL) finalized a rule that will have an enormous impact on agencies and their business clients. The DOL rule updates antiquated regulations that exempt certain employees from overtime and minimum wage Read More
How to Protect Your Commercial Property From Pranksters & Vandalism
Even if pranks don’t physically hurt anyone, they can still be quite costly. Several years ago in Nebraska, a prank caller phoned a national brand name hotel and caused them more than $100,000 in damages. The caller, acting as a hotel employee, convinced a guest to set off the sprinkler system after having said that a gas pipe had broken and the Read More
Independent Contractor vs. Employee
What is the real difference between hiring an independent contractor versus hiring an employee? There seems to be a trend moving away from hiring employees to hiring independent contractors and with this comes some confusion and questions. Generally speaking, if the person requires training, adheres to a dress code, takes a designated lunch, Read More
Terrorism Insurance for Small Businesses: Q&A
What is Terrorism insurance? Terrorism insurance is not covered by your general insurance policy, so it must be added separately by an endorsement. The Terrorism Risk Insurance Act (TRIA) ensures that adequate coverage is available for businesses that have to recover or rebuild after a terrorist attack. Before you waive terrorism insurance Read More
Has Your Business Changed?
To Stay Protected, Ask Yourself: Has Your Business Changed? As a business owner, you have invested countless hours and tireless energy into growing your business. At this point, you eat, sleep, and breathe your business. That means that some changes in your business might be difficult for you to notice without taking a step back. Unfortunately, Read More
Critical Coverage Gaps To Close
Seeking Full Coverage? Consider These Critical Coverage Gaps You have put a lot of hard work into building up your business. Consequently, you have taken out insurance policies to protect it, knowing that your coverage will ensure that unforeseen events down the road never hinder your business’s progress or ruin its financial future. But do you Read More