Employees are what keep businesses running, but what would happen if one of your employees brought an employment-related claim against your business – allegations of discrimination, harassment, or wrongful termination? Would you have the resources to legally defend your business against a claim or lawsuit of that sort? It’s important to consider employment practices liability insurance, or EPLI, to protect your business from this often-overlooked risk. We’ll go over what EPLI does and how it can help your small business.
You may be familiar with the rumor that filing a home insurance claim will raise your insurance rates. This is an unsettling idea – isn’t home insurance supposed to protect you against losses? Well, yes, it is. And it will. But that doesn’t mean it’s a great idea to file claims for every little bump and scrape that your home endures. The answer to the question of will making a homeowners insurance claim raise rates is complicated – and, in essence, the answer is “it depends.” Let’s take a look at what you need to know about how a home insurance claim can impact your home insurance rates.
Winter is rapidly approaching, and that means flu season is upon us. Usually, flu season is considered as being October through about February, which means that we’re cruising right into the flu danger zone. The flu, aside from just being downright unpleasant and exhausting for the person who’s sick, is also problematic for the workplace. With coworkers dropping like flies to illness, it can be a scramble to get the work done that needs to get done. So, before everyone starts getting sick and calling out from work, we’ve got some tips to help you prevent the spread of flu at your workplace.
It’s that time of year again! Time to fire up the oven and get to eating some Thanksgiving turkey, mashed potatoes, green beans, maybe a winter soup, and, of course, pumpkin pie! Thanksgiving is a time for family and friends, but it’s important not to forget your four-legged family members in all the excitement. Thanksgiving presents numerous safety hazards to cats and dogs – all it takes is turning your back for a second and catastrophe can strike. Check out our tips below to make sure that your furry friends have a happy Thanksgiving.
We all know what it feels like to get stressed out about something, and it doesn’t feel good. People get stressed out for a lot of reasons, but the workplace or a job is a common trigger. Stress isn’t just a mental or emotional issue, either – it can cause physical symptoms like headaches and stomach pain. Anxiety can get so overwhelming that it becomes debilitating, and as an employer, you don’t want to see your employees suffer. Reducing stress can help your business lower your employee turnover rate, plus make everyone happier. To help combat the everyday stress of the workplace, we’ve got a few tips.
Have you ever thought about just how many hours you spend in the car every week? You might log quite a few miles, which makes it very important to keep up with car maintenance. One part of the car that needs to be properly tended to are the tires. Taking good care of your tires can help you stay safer on the road. We’ll go over why tire tread depth, tire alignment and balance, tire rotation, and pressure are so crucial to the health of your vehicle.
We’ve all heard the expression “communication is key.” This is especially true in the workplace, where you’ve got a lot of people with different personalities spending hours upon hours in each other’s company. Having poor communication can be a recipe for disaster. For businesses to succeed, everyone needs to feel comfortable talking to everyone. Good communication can also help build up company culture, which is a great way to retain your valuable employees. If you’re looking to add some peace and harmony to your workplace, we’ve got some tips for better communication so that your office isn’t a discordant cacophony of noise (or worse, dead silent.)
How much car insurance is enough? That’s the question when you’re looking for auto insurance – particularly if you’re searching for auto insurance that won’t empty your bank account. Plenty of people assume that if they have enough insurance to legally get on the road, they’re good to go. Having insurance is required to be able to operate a vehicle on the road and each state has its own minimum limits for car insurance (the minimum limit meaning the smallest amount of insurance you can have to legally drive a vehicle.) But are those minimum levels really enough to protect you if you have a serious accident? Let’s discuss.
It’s that time of year again – time to set the clocks back one hour and get some extra time to sleep! Daylight Savings Time ends at 2 am on November 05 (Sunday morning), so don’t forget to “fall back” and put your clocks back an hour before going to bed Saturday night. But Daylight Savings Time means there’s something else you shouldn’t forget to do – it’s time to change the batteries in your smoke detectors. You should do this every six months, which is why it’s convenient to do at Daylights Savings when you set your clocks forward or back. It makes it easy to remember. Yes, it might seem tedious to buy new batteries and dig out the toolbox to change all the batteries in all the smoke alarms in your home, but we have a number of good reasons to do so. Home insurance might replace your home and your belongings, but obviously, it can’t replace lives.
If you have a small business, your employees might have to use their own personal cars in the course of their jobs. They might meet with clients, pick up supplies, run errands for your business, or attend conferences. Even though your employee is driving their own car with their own auto policy, they’re only driving because they’re conducting business for you. If you have commercial auto insurance, you might think you’re covered.
But there’s a catch – commercial auto policies only protect you when employees are driving a work-owned vehicle for company business. It doesn’t apply to an employee’s personal vehicle. This is where another kind of auto insurance – hired and non-owned auto coverage – comes in to protect your business if you’re found to be at all accountable. Let’s take a look at hired and non-owned auto insurance.