Insurance Insights

Small businesses have a lot to worry about in 2013. With the economy struggling to get back up on its feet and hiring moving at a improved pace in so many sectors, it’s more important than ever to know where your business stands, what progress needs to be made, and where your business is actually exceeding expectations for the year – and what you can do to continue the trend.

These days, many small business owners likely wonder about how they’ll be able to secure financing when they need it, because this is often the lifeblood of any successful independent enterprise. However, experts within the credit industry now say that when owners seek small business loans, they may make a number of mistakes that can endanger their abilities to obtain approval.

A pub, which is short for public house, is a neighborhood bar that serves alcoholic drinks and meals on occasion. The term pub originated in the UK where they were known as being open to the public — as opposed to private bars. In the United States, pubs are similar to bars and taverns in how they operate and what they serve. Operating a pub can be a successful business, but it also poses its share of risks. Common risks for pubs include damage to your pub from unforeseen events like fire, especially since alcohol is flammable, liabilities if a customer is injured while in your pub, and injuries caused by intoxicated patrons. To protect these risks, you should get various pub insurance policies for comprehensive coverage.

The federal government generally has goals in place related to the amount of money for which it is supposed to contract with small businesses, but it seems as though it failed to meet them in the 2012 fiscal year.

Despite your best efforts, as a business owner, to protect your vehicles and equipment, they sometimes get stolen. Automobile theft is so problematic that police often have little more to offer than to take your information and hope something shakes out. However, if you have a GPS theft recovery system for your small business vehicle, then you have something more to give police to aid them in tracking and recovery of your vehicle. However, the benefits of GPS tracking go beyond the obvious. Here are a few reasons all businesses need to carefully consider a GPS theft recovery system for their vehicles.

Small business owners have been getting a lot of mixed signals in recent months about their ability to improve the reach of their companies, and now the ups and downs seem to finally be creating something of a drag on optimism that they’ll be able to make certain decisions in the future.

Fishing equipment stores sell plenty of equipment, supplies and bait an avid angler needs. This includes different types of bait, fishing rods, tackle, nets, and a variety of sporting goods. Many fishing equipment stores also provide repair services on things like fishing rods. Risks of a fishing equipment store include goods being stolen, theft of money, other types of fraudulent activity, and additional liabilities. Protect these risks with fishing equipment store business insurance.

The improving economy has been a boon to many people and companies alike nationwide in the past few years, and this could be especially true of small businesses in particular. Owner sentiment about the state of their enterprises is now at the highest point observed in the last three years.

Millions of small businesses nationwide may operate on fairly narrow margins in order to turn a profit, and that means every dollar spent typically carries considerable weight. For this reason, many owners across the country are turning to “green” ways to save money, and often finding significant success with doing so.

The ways in which businesses of all sizes will be required to give their employees access to health insurance was supposed to change dramatically next year, but the Obama administration pushed back implementation of the business coverage mandate until 2015. However, that has not stopped the states running their own exchanges from potentially putting similar rules into place for 2014.