Information for business owners.

Investing In Your Business Means Investing In Your Employees

You have gone through so many resumes and job applications; conducted countless interviews over the phone and face to face.  You think you have the perfect candidate and offer them their starting salary and benefits package.  As you sit and watch them look it over, you start to think to yourself, “this is a great offer.  Why would they decline it?” This leads to you thinking of different things.  What are employees looking for?  Which benefits will keep them happy and make them want to stay with your company for years to come?  [...]

2019-03-05T18:41:24+00:00March 5th, 2019|

Importance of a Culture of Safety

When it comes to your company, safety should be a top priority. Safety is more than just a set of activities focused on accident prevention. It is a way of thinking and it should be at the heart of any successful company. When you address unsafe conditions or actions before they become issues, you are building your safety culture. Having a culture of safety is vital to your company, it improves employee morale, empowers employees, and can even boost your bottom line. According to Nationwide, the average cost of a minor workplace [...]

2019-02-15T09:51:56+00:00February 15th, 2019|

10 Quick Tips for Car Care for Cold Winter Weather

With this incoming cold weather, one of our staff members, Amanda Alexander, who worked in the car industry for 15 years, shares her top 10 advice tips that vehicle service advisors give to their customers: Get your battery checked. The number one symptom we see with cold weather is vehicles not starting in the morning. Car manufacturers recommend changing a car battery every 3 years, so if your battery is older than that, make a quick trip to a local auto parts store or your garage to have your battery checked. When [...]

2019-01-30T16:20:54+00:00January 30th, 2019|

Cyber Insurance Checklist

Cybercrimes are a serious issue when it comes to commercial companies and it is getting worse by the day. The cost of cybercrime is expected to reach $21 trillion by 2021. Cybercrime represents a threat for companies no matter what their size or industry and no company is immune. This means that every company should develop a method to prevent attacks as well as protect themselves from losses in the event an attack happens. The first step for any company would be to develop a comprehensive strategy to combat cybercrime. This would [...]

2019-01-22T08:53:00+00:00January 19th, 2019|

Misconceptions About Worker’s Compensation

Workers’ compensation insurance is a federally mandated, state-regulated insurance program that protects your business if an employee gets injured or becomes ill as a result of work-related activities. Workers’ compensation insurance is intended to help workers get back on their feet and back to work by providing benefits to employees. These benefits include paying medical bills, covering lost wages, rehabilitation, and retraining. However, because of the complex nature of worker’s compensation insurance business owners often have misconceptions regarding their coverage and what their capabilities are. The following are general answers to some [...]

2018-12-12T08:25:25+00:00December 8th, 2018|

Cyber Insurance: Expectations vs. Reality

In today’s ever-changing world it is becoming easier to fall victim to a cyber-attack on your business. According to a study conducted by the Online Trust Alliance (OTA), there were an estimated 160,000 cyber attacks in 2017. This is nearly double the amount from the prior year and is expected to grow in the coming years. The average cost of each data breach in 2017 was $3.62 million which is 10 percent more than prior years. What can a business do to prepare and protect themselves from cyber-attacks? Cyber liability insurance can [...]

2018-12-12T08:59:13+00:00December 1st, 2018|

Where Does Worker’s Compensation Insurance Come From?

Workers compensation insurance is a federally mandated, state-regulated insurance program that protects your business if an employee gets injured or becomes ill as a result of work-related activities. It is intended to help workers get back on their feet and back to work by providing benefits to employees including paying medical bills, covering lost wages, rehabilitation, retraining, and more. But where did it come from? Who started the idea of having workers compensation and why has it become such a necessity in the American workplace? Workers compensation actually began way back in [...]

2018-12-10T14:51:47+00:00November 24th, 2018|

15 Answers to Health Insurance

What are ancillary benefits? Ancillary benefits, also called supplemental benefits, are benefits that are not part of your core health insurance. Benefits like dental, vision, disability, life, accident, critical illness and others. These benefits are dental, vision, disability, life, accident, critical illness and others. These benefits can be contributory or voluntary. Who pays for ancillary benefits? There are two versions of ancillary benefits – voluntary and contributory. Voluntary benefits are offered by an employer and paid for entirely by the employee. With contributory benefits, the costs are shared between employee and employer. [...]

2018-12-10T14:51:21+00:00November 6th, 2018|

Life Insurance & Business Owners?

When you think about life insurance you probably think about life insurance to cover your debt, income, children’s education, or funeral costs. However there is another aspect to life insurance that most people do not consider, that is how life insurance comes into play as a business owner and why it is so important for business owners to have life insurance. Whether you built your business from the ground up or inherited it from previous generations, you work hard to maintain the dream that is your business. You likely have employees, family [...]

2018-12-10T14:54:09+00:00September 25th, 2018|

2018 Health Insurance Open Enrollment

OPEN ENROLLMENT It is that time of year again. Open enrollment is right around the corner and you may be starting to think about health insurance coverage and what that means for you, your business and your employees. Value of Offering Benefits to Your Employees Health insurance plans can be expensive, so why should you offer these benefits to your employees? Here are some important reasons. Offering health insurance benefits to your staff can help ensure a stable and motivated workforce and lower turnover rates. By investing in your employees and offering [...]

2018-12-10T14:59:17+00:00September 24th, 2018|