Optimism is the fuel that drives the entrepreneurial spirit, so it isn’t surprising that most small business owners consider themselves optimists. Too much optimism, however, can get a small business owner into trouble. A business plan built solely on the “best case scenario” is like a house of cards, one gust of wind—or fire or […]

The cost of workers’ compensation (WC) insurance is likely to be one of your highest expenses for your business insurance. Yet, business owners are unfortunately unaware that they have a certain amount of control in managing the cost. It is like dieting without exercise…focusing on numbers and not on results. So how are premiums calculated? […]