While all business owners want their enterprises to be both productive and profitable, you may not have considered the costs associated with a business interruption. Business interruption coverage can be added to your property insurance; this form of insurance is critical in keeping your business fully protected. It is impossible to predict every eventuality, particularly the damage incurred when a heavy storm or other disaster damages your...
Business owners are responsible for keeping the workplace safe and OSHA (Occupational Safety and Health Administration) compliant. But accidents still happen. When a worker, customer, or client is injured, it is upsetting and there are often long term consequences. All business owners can reduce risk and maintain a safer, healthier workplace by taking the following seven steps: Ongoing training. Every new employee must be trained...
Vandalism may not be the first issue that comes to mind when you think about your commercial insurance. Unfortunately, this concern is very real and can lead to serious destruction of your property. It is often expensive to repair, and acts such as graffiti can have far-reaching consequences for your business. Why Commercial Property Insurance is Crucial Even a single act of vandalism can directly impact your...
Need a few tips to keep your employees happier over the next few months? We have gathered together a few simple tips that are designed to keep employees productive and happy at the work place. Here are a few tips to get you started: Give yourself and your employees permission to be happy. Make employees feel like they don’t have to act serious or try to be “professional"...
Building and Business Personal Property Commonly covers the structure in which a business is housed; equipment used to service or maintain the premises such as forklifts and appliances; exterior signage; glass; and personal property stored on the premises (such as customers’ clothing housed at a dry cleaner). Mechanical and Electrical Breakdown Also referred to as equipment breakdown insurance, this covers the cost to repair or...
