Transportation company insurance isn’t as simple as saying you want truck driver insurance. You’re responsible for providing vehicles, protecting cargo, and keeping the roads safe for one and all. That means you need to have the right kind of trucking insurance to protect your financial interests and those of the people you employ.Read More
Last year saw a record number of Americans lose their job due to the coronavirus pandemic. Perhaps you were one of them and decided to start your own business from home. Another possibility is that you already operated a business and recently decided to move your operations home. Whatever your situation, it is important to make sure that you have the right home-based business insurance from the start.Read More
Business success is something we all seek to achieve in the coming year. There are some moves you can make within your organization that will do more to generate success in the future than many others. If you adopt the following eight habits for your towing business, you are sure to enjoy greater business success in 2021 and future years as well.Read More
Employees are already the weakest link when they’re in the office; the vast majority of cybersecurity breaches occur due to the mistakes or negligence of employees. So, what happens when they’re working from home? Working from home can increase productivity and efficiency — as well as reducing costs. But it also introduces some cyber liability problems that do need to be addressed.Read More
Business owners had to scramble to adapt to a new reality in the early days of the pandemic that included having most employees work from home. Due to the sudden nature of the changes, work from home insurance may have been the last thing on their mind. Nearly a year later, some business owners are ready to rethink insurance risks for employees that work from home. If you’re one of them, we hope the information provided below about the risks of working from home will be helpful.
Cyber Risks Associated with At-Home Workers
Now that restrictions have eased and most public-facing businesses are open again, some employees who normally work at home have ventured out. With laptop in hand, they head to coffee shops, libraries, and other public places just to see other human beings. While understandable, public Wi-Fi networks expose businesses to significantly more risk than home Wi-Fi networks do. Hackers have a much easier time accessing unsecured networks to obtain private company information, including sensitive information about customers.
Employees working on their own home computers instead of a company computer also present a security risk. Although some prefer that arrangement, personal computers don’t have the same levels of security that your company computers have. You will need to decide if you will ban this practice or allow it with some strict privacy rules in place. The same is true for employees who take a company computer to a public space to work. Regardless of the policies you set, cyber liability insurance is a serious option to consider.
Safety of Employees and Clients
Employers have the obligation to ensure a safe working environment for their employees whether they work onsite, offsite, or at home. While it may be impossible to review each employee’s physical workspace, you could consider asking for a video or a remote meeting to view it that way. This gives you the chance to look for hazards the employee didn’t recognize. You also want to ensure that each employee has a comfortable workstation appropriate to their job duties and personal needs to avoid workers’ compensation claims.
Sometimes employees may meet with your company’s clients in their home. While not a common practice during the coronavirus pandemic, both you and the employee should understand liability laws if the client injures himself or herself on the property. The employee’s homeowners’ insurance policy may not cover the claim if it happened during work hours, leaving you to pick up the tab. General liability insurance for business owners can help in this case.
Other Considerations About Insurance When Employees Work From Home
Here are a few other situations that might come up with employees working from home:
- The employee gets into an accident and injures someone while driving a company vehicle.
- A child of the employee causes extensive damage to company computers, printers, cell phones, or other business equipment.
- The employee stores company inventory at home to ship to customers, and a fire breaks out destroying it all.
A customized work at home insurance policy can save you a lot of stress and money as you continue to navigate these new work arrangements.
Contact InsuranceHub for Work at Home Policy Quotes
Let’s face it: your employees are human beings, not robots. They need time to rest and relax, which means that they need a break from time to time. Maybe you offer time off to your employees, but they don’t seem to want to take it. As a boss or a manager, maybe you’re completely fine with your employees taking some time off for a vacation (or stay-cation due to COVID), but does your team know that? Here are a few of the benefits of employees taking time off and a few ways you can encourage your employees to do so.
If you are in charge of a business, you know that it’s not an easy task. It’s not easy to be the boss, and success in business can feel like something daunting. There are, however, a few habits you can develop to help you run your business and to help the business itself succeed. Sure, you might have heard the usual – work hard, be innovative, don’t give up, and so on and so forth. But here are a few other habits that you can develop for business success.
Being the leader of a business can be tough, especially when you’re fairly new to it. There are going to be times that are tough and there are going to be some struggles. You have to work hard and you have to step up your problem-solving game. Your experiences can influence the kind of leader you end up being. But the struggles you face can help you learn and grow as a leader. It can take time for those leadership to develop. Anyways, there are a few things that you should know if you’re just getting started in a leadership role.
One part of being the leader of a business that can be particularly challenging is delegating. However, it’s really beneficial for both your employees and for you. You get help tackling your to-do list and your team members get to learn and practice new skills. It can be hard to loosen your grip on your control – maybe you’re of the mindset that you need to do do everything yourself to ensure that it’s done properly. But with a little practice you can get used to delegating. Here are a few tips.
The trucking world can be complicated, particularly when it comes to violations and what they mean. There are a lot of terms that come up, and that can be frustrating. So, we’ll take the opportunity to explain a bit of how violations work. What’s a severity weight, and how is that determined? Why does it matter? And where can you, as a trucking business, find out more? Here goes.