As a business owner, you face various possible liabilities, which may result in legal claims brought against you. There are many kinds of liability insurance to protect your assets, depending on your unique risks and needs. What Do Liability Policies Cover? This type of coverage mitigates costs associated with events that cause property damage or bodily injuries….
Are There Laws Regarding Lunch Breaks at Work?
Congress has not passed any laws mandating that employers in the United States must offer breaks or lunch periods for their employees. Employers that provide these benefits, however, must follow federal and state protocols. Lunch Break Protocols for Employers Employers who allow breaks of up to 20 minutes are required to pay their employees for…
What Factors Determine Your Car Insurance Quote?
Every driver requires auto insurance. When you’re in the market for new coverage, you may seek out an insurance quote. When receiving a quote, it helps to know the different factors that determine what your insurance quote will be. Driving History Your driving history is one of the most important factors when deciding your insurance…
5 Surprising Sources of Business Pollution
What comes to mind when most people think of business pollution are chemical factories and nuclear power plants. However, many people would be shocked to learn that other businesses are subject to pollution liability because they use, produce, or simply deal with toxic substances. Medical Facilities Hospitals, surgical centers and clinics handle all sorts of…
What Is Covered in Your Condo Fees?
If you live in a condominium, you pay a monthly fee to the property owner. Each entity has its own set of rules, but most associations offer specific coverages. Typical Condo Fee Coverage The condo association fee usually covers the costs of upkeep and insurance for the common areas of the building. This includes lobbies,…
Insurance Geared Towards Manufacturers
Business owners understand how important it is to have adequate insurance to protect against any catastrophe. The manufacturing environment is especially vulnerable to a number of risks because of the nature of the operations. Working with or around heavy equipment and sharp objects increases the likelihood of injuries, property damage and liability. Insurance for Manufacturers…
Human Resources Outsourcing: A Smart Financial Business Move
Due to recent economic concerns brought about by the onset of COVID-19, businesses are seeking productive approaches to cut costs and still keep their operations running smoothly. HR outsourcing is an important choice for companies to remain competitive and identify better means to fully utilize their resources. How Companies Use HR Outsourcing to Reduce Expenses…
Types of Group Life Insurance
Group life coverage is an inexpensive way to protect your family in the event of your death. Many employers offer it as part of a benefits package, with several options from which to choose. Here is some information about the different choices you may have. Term Life Term life insurance pays a sum of money…
What Is Covered Under Hemp Harvesters Insurance
Hemp is known for its versatility. It can be turned into food, fiber or fuel. However, until recently, it was illegal in the U.S. That all changed in 2018, when the federal government passed the Farm Bill that made hemp a legal agricultural commodity. Earlier in the same year, California passed its own bill that…
Why Hired and Non-Owned Auto Coverage Is Crucial for Staffing Agencies
When a staffing agency employee drives a client’s vehicle, the worker and agency assume liability for any accidents or injuries that might occur. Contrary to what many employees and managers might believe, a traditional business vehicle insurance policy will not cover accidents involving these non-owned vehicles. If you run a staffing agency where employees regularly…