Category Archives: Small Business

Learning How to Delegate

While delegation comes naturally for some of us, others may struggle with it. Delegation is assigning responsibility to others and can consist of breaking up a large project into smaller tasks. If you manage a team or are a leader in your area, it is likely that you already delegate tasks. Some tasks may be large and some may be small, but delegating tasks of all sizes takes practice. (more…)

Ordinance or Law Insurance Coverage

Standard property insurance provides coverage for returning a building to the condition it was in prior to a covered loss. What is not covered is the increased cost due to the enforcement of ordinances or laws regulating construction and repair of damaged buildings. Ordinance or law coverage was developed to fill this gap. (more…)

7 Tips to Ensure Your Building Sprinkler System Will Protect You

This entry is part of 10 in the series Fire Prevention

If your building caught on fire today, would your sprinkler system activate and control the fire? Ninety-five percent of the time your sprinkler system will do what it is supposed to do, but there are several things that YOU can do to increase your chances even more. Below are seven tips a building owner can act on to ensure their investment doesn’t go up in flames. (more…)

Civil Authority Insurance Coverage

Even if your business has been fortunate enough to avoid a loss, it may happen that disaster strikes near your business. Although this event doesn’t directly affect your ability to conduct business, action by a civil authority – like the police or fire department – may still prohibit access, resulting in a loss of business income and extra expense. Civil authority coverage comes into play in these situations, providing protection when there is damage to property other than your insured premises due to a covered cause of loss. (more…)

24 Tips for Delivery Driver Safety

When you think about the most dangerous jobs, a non-CDL (Commercial Driver’s License) service or delivery driver does not usually come to mind. However, every year thousands of workers are injured or killed while performing a delivery. According to the National Highway and Traffic Safety Administration, there were over 100,000 injuries and 300,000 accidents involving delivery vehicles in 2012 and Time magazine ranked it number eight on its list of the 10 Most Dangerous Jobs in 2014.

Delivery driver dangers include vehicle accidents, injuries while performing the delivery such as back injuries and slips, trips and falls, or crime. Both employers and employees can take important steps to help reduce these hazards. (more…)

Hospitality Insurance: Do You Have This Unique Coverage?

Society is unique in its understanding of the hospitality business. Sometimes products of services that were ordered in advance become unavailable due to an unexpected loss or damage. That’s why we offer insurance coverage to reimburse your customers for additional expenses when prearranged products or services cannot be honored. (more…)

Electronic Submission of Workplace Injury and Illness Records to OSHA

Answers to Your Questions about New OSHA Recordkeeping Rule

Recently, you may have seen articles about a new Occupational Safety & Health Administration (OSHA) rule requiring certain employers to electronically report their prior year injury data to OSHA. You may have also wondered if this rule applies to you. This blog will answer some of your most common questions about this new rule (why, who, how and when), as well as provide direction on where to find more information. (more…)

6 Tips to Refresh Your Mind, Body and Soul with Exercise and Meditation

This entry is part of 6 in the series Health & Wellness

Sometimes it can be easy to forget to take time for yourself. Weeks fly by in the blink of an eye. But even during the busiest days, it’s important to set aside a bit of time to recharge. Below are six ways that you can incorporate exercise and meditation into your daily routine to help you refresh your mind, body and soul. (more…)

Using Contracts to Protect Your Business

This entry is part 5 of 5 in the series Business Contracts

A business should use written contracts with hold harmless and indemnification agreements to its advantage. The days of handshake agreements are disappearing; they may be gone entirely. When hiring a contractor or service provider, or renting or sharing space within a building, only do so based on a written agreement. The agreement should contain as much detail as necessary to define what work is to occur, what service is to be provided, and how or when it is to be done.

All agreements or contracts should be drafted with the help of legal counsel. While sample contracts are available online, there is often a disclaimer at the bottom — a disclaimer is another term used to deny liability — saying that the website and sample creator are not responsible for errors, omissions or damages of any kind if you use the sample. This doesn’t mean the sample can’t be used to create a draft, but the draft should always be reviewed by legal counsel before it is implemented.

When drafting a contract or agreement, use language, as well as hold harmless and indemnification agreements, designed to protect your business. (more…)

The Dangers of Hold Harmless and Indemnification Agreements

This entry is part 4 of 5 in the series Business Contracts

Hold harmless and indemnification agreements are becoming increasingly important in business contracts. They are elements or clauses within a contract or agreement that can work to your business’s advantage, or they can just as easily work against your business. Hold harmless and indemnification are terms that are used interchangeably, but do not necessarily mean the same thing. As with many things, the devil is in the details — or in this case, the wording. (more…)