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 […]

Top 10 Threats to Small Businesses

July 9, 2020

Elizabeth Johnson

Top 10 Threats to Small Businesses

According to the U.S. Census Bureau, there are more than 240 million registered motor vehicles in the United States, and an estimated one-fourth of those are used for business in some way. If you have employees who use personal vehicles for business use, you could be exposing your business to a significant liability risk. Even […]

Personal Automobiles for Business Use

June 3, 2020

Matt Weber

Personal Automobiles for Business Use

Each year, the Occupational Safety and Health Administration (OSHA) tracks and shares its most frequently cited OSHA standards. OSHA hopes that by releasing this enforcement data, businesses will take steps to identify and address potential safety issues.  For the 2019 fiscal year, the 10 most frequently cited standards from 2018 all remained on the list, although their order […]

2019 Most Frequently Cited OSHA Standards

May 19, 2020

David Gately

2019 Most Frequently Cited OSHA Standards

We live in a world where modern technology has given us the opportunity to find anything we need with the click of a button. Whether you’re planning a trip to an exotic location, making a reservation for dinner with friends, or finding a parking spot, odds are you’re booking and paying for these things through […]

How Cyber Threats Put the Hospitality Industry at Risk

May 13, 2020

Nicole Van Duyn

How Cyber Threats Put the Hospitality Industry at Risk

Continuity is critical in business, and there are few things more important than continuous revenue and cash flow, particularly for small to medium-sized organizations. In fact, just one brief business interruption due to a catastrophic loss can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. If you think […]

Would Your Business Survive a Catastrophic Loss

April 2, 2020

Alison Williams

Would Your Business Survive a Catastrophic Loss?

Cyber security threats and trends can change year over year as technology continues to advance at alarming speeds. As such, it’s critical for organizations to reassess their data protection practices when planning for the year to come and make achievable cyber security resolutions to help protect themselves from costly breaches. Cyber Security Resolutions The following […]

10 Cyber Security Resolutions to Reduce Your Data Exposures

October 24, 2019

Kathy Henrich

10 Cyber Security Resolutions to Reduce Your Data Exposures

Cyber liability insurance is essential for any business that stores information on a network. And in today’s digital age, that would include practically all businesses, both large and small. At one time, this type of insurance policy was only used by companies involved in the technology industry, such as those that offered network security. Today, […]

All You Need to Know About Cyber Liability Insurance

June 18, 2019

Kathy Henrich

All You Need to Know About Cyber Liability Insurance

If your insurance renewal process does not involve a true analysis of your changing needs, you might be a great candidate for a formal risk assessment—a four-step process that helps companies better identify and implement effective risk management strategies.  While it may be easy and familiar to simply retain the coverages you have in place […]

Is Your Business Ready for Risk Resource

April 30, 2019

David Gately

Is Your Business Ready for Risk Resource®?

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? […]

Be Proactive in Managing the Cost of Workers Compensation

March 19, 2019

Elizabeth Johnson

Be Proactive in Managing the Cost of Workers’ Compensation

Hiring an independent contractor offers employers many advantages. Unlike for traditional employees, employers do not pay taxes on independent contractors’ wages, and are not expected to provide benefits. Employers often save 30 to 40 percent on labor costs by using independent contractors. In addition, as independent contractors are generally hired for a specific period or […]

Employee or Independent Contractor

March 13, 2019

Alison Williams

Employee or Independent Contractor?