Insurance Insights

Many small business owners have learned over the past several years that competition for consumer interest during the holiday shopping season is getting more cutthroat all the time.

All businesses need business insurance. There’s no way to get around it. New businesses, unfortunately, often overlook the importance of business insurance in the midst of all the other expenses required to get a business off the ground.

A topic that has grabbed a lot of headlines in the past year or so is whether the government – at either the local, state, or federal level – should mandate an increase in the minimum wage to better provide low-income workers with a livable salary.

Employee theft is an ongoing problem for small business owners, regardless of the type of business they have. However, if you have a retail business, you are at a higher risk, as employees stealing from the cash register or store goods is a very common reason for theft. Other reasons include embezzlement from your company account, credit card fraud, office supply theft, and theft in the form of giving free products or services to others without your consent.

When it comes to the ways they make their businesses successful, it seems many independent owners are now relying more and more heavily on technology all the time.

Creating a comfortable and motivating workplace, especially in an office environment, depends a lot on the lighting. Believe it or not, the lighting you have in your workplace can make a big difference in how well workers are motivated and productive. It can affect their moods and yours while at work.

These days, many small business owners are always on the lookout for ways to improve their companies and give them an edge over the competition, but this is often easier said than done.

Businesses today face new worries over information and data security. You can’t watch the news without hearing about major breaches with big brands you know, and once trusted.

When it comes to getting the word out about themselves, small businesses have many options for their owners to consider, and these days many may be increasingly turning their attentions toward putting ads online.

Transactional emails are one-time triggered responses to certain actions. They aren’t bulk emails businesses send out to their entire mailing list. In fact, these triggered emails do not require people to opt in to receive them. Examples of transactional emails include the following.