Posts Tagged ' commercial insurance'

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Workplace accidents occur in a fraction of a second.

It happens in less than a second. One moment an employee is on the job, working hard, smiling and looking forward to the weekend. The next moment, he is sprawled out on the floor, grabbing his knee, unable to get up, his leg bent at a peculiar angle. The receptionist picks up the phone, calls 911 and you can hear the sound of a siren in the distance. On the job/work place injuries and accidents happen in less than an instant, but can have long lasting effects and huge financial impacts. Workers' Compensation insurance is legally required in most states as long as your business has a single employee. It covers medical and disability expenses related to work-related sicknesses and on-the-job injuries.  Employers' liability coverage, which is an aspect of most worker’s comp policies, protects your company in case of litigation, by paying legal fees and any awarded settlements should an employee sue you, claiming that an illness or injury was caused by your company's negligence or failure to provide ...

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Beginning a Home-Based Business? Here is something you need to know.

Recently an article in the local newspaper featured a story about a senior citizen that teaches piano lessons out of her home. She has been doing so for over 50 years, and hundreds of students have sat at her piano, learning pieces from “Chopsticks” to Ravel’s “Gaspard de la Nuit.” After reading the piece, I decided that “Home-Based Businesses” are a good topic for my blog.  In the current economy, many single parents, senior citizens and stay at home moms are choosing to become entrepreneurs. Home-based – child care, tutors, piano teachers, pet sitters, bakers, dance instructors and hair studios are popping up all around my town. I think it is fantastic, as many great enterprises from Apple Computer to Harley-Davidson began in garages and basements. The downside, is that there is often a misconception that everything that happens under your roof is covered by Homeowners Insurance. Liability, equipment and theft are generally all covered under your H ...

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