Category Archives: Small Business

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 2 of 8 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…)

Business Contracts: Certificates of Insurance and Liability Limits

This entry is part 3 of 5 in the series Business Contracts

To better manage your business, you may hire outside experts or contractors to help maintain your facility or provide a service to your customers. You will enter into agreements when hiring these contractors, and you may be advised to obtain certificates of insurance. These are legal documents designed to protect your business from liability and financial harm. Let’s take a closer look. (more…)

Fire Preventive Maintenance for Deep Fryers

This entry is part 12 of 14 in the series Fire Prevention

Many restaurants utilize some form of deep fat frying in their kitchen. These deep fryers are used to cook a variety of delicious foods: doughnuts, chicken wings, tortilla/potato chips, onion rings…the list goes on. While these items are undeniably popular and well-known throughout the world, little attention is given to the equipment that produces these tasty treats. This includes regular deep fryer maintenance and annual inspections by a qualified contractor.  (more…)

Improve Work Life Balance for Your Employees

Work life balance. This is a phrase that businesses highlight and employees desire. While work life balance is valued by many, what does it really look like?

Work life balance is achieved when career is balanced with lifestyle. As an employer, you may wonder…how can I provide a better work life balance for my employees? Here are some ideas: (more…)

Insurance Cost: Understanding Premium Audits

This entry is part 4 of 6 in the series Premium Audit

There is a process involved in determining insurance cost. There is also a process after a policy period expires to ensure that the policy premium was accurate – this is a premium audit, which is designed to guarantee that business owners only pay the premium they truly owe rather than a premium based on the estimated figures provided when their insurance policy was issued. The following information will help to explain the importance of the premium audit process. (more…)