Insurance Insights

Millions of Americans saw their retirement savings efforts take significant hits during and immediately following the recent recession for a number of reasons, and one group that may be having particular issues with this fact is small business owners. Many seem to now be altogether ignoring their savings efforts in an effort to keep their companies afloat.

With identity theft and other digital crimes on the rise, it’s more important than ever that small business owners take the necessary steps, now, to protect their digital security. This is the Information Age. As such, information is king in all circles these days. With so many businesses operating on wireless networks, via mobile devices, and even on home networks, businesses are vulnerable when it comes to digital security.

A title agency provides title insurance services in the form of helping to find and prepare titles for property, as well as liens against property, leases and collateral issues, exchange and sign titles for lender purposes and other title concerns. Title agency business owners and employees requires extensive research and knowledge of various title laws. Risks of a title agency include liabilities, mistakes made during the title process that you could be liable for, and everyday business risks such as damage to your property, fire or flood that could cause damage to original titles in your possession and general liabilities.

Many small business owners may see the improving economy as a positive sign as they look to potentially expand their companies’ operations, and when it comes to obtaining the funds that are often necessary to such actions, it seems smaller banks were more willing to accommodate their needs.

Operating a bar, whether it’s a small pub or combined restaurant and bar, is a great way to run a business you enjoy. It can be a lucrative business as well, but it takes planning, preparing the legalities, insuring your business, hiring experienced employees, and choosing a prime location.

Picture and framing stores sell items for framing, such as picture frames, wall hooks and other hardware, matting, and even craft supplies to decorate frames. They also provide framing services for large, oddly shaped, and professional pictures and artwork. Owning a picture and framing store can be a rewarding business, but also one that poses a variety of risk. You risk customers not paying for framing if you charge after the work is done, shoplifting, and theft, as are injuries to customers and employees while in the store. Business insurance for picture and framing stores is available for these and other risks.

Millions of small business owners nationwide may now be trying to properly harness the power that social media can certainly provide them if they use it correctly, but the problem is that many simply don’t know the best practices for doing so. As such, it may be wise for these entrepreneurs to at least brush up on the basics so they can get their online social media presence moving in the right direction.

The Affordable Care Act mandates that at the start of next year, all companies with 50 or more employees working 30-plus hours per week must provide those workers with health insurance coverage.

Nursery and garden centers are often expansive and carry a wide assortment of gardening items. This could include potted plants, perennial and annual flowers, shrubs, container gardens, seeds, trees, potting mix, soil, fertilizer, gardening tools, fountains, pots, mulch, and many more items. Your risks are also varied and include injury in your garden center from the dangerous and often sharp tools you carry, as well as other types of liabilities. To protect your risks, get the right kinds of nursery and garden center business insurance.

If your business has been robbed once before, there is no reason it won’t be robbed again. It is a common misconception that once it has happened once the likelihood it will happen again is next to none. But this couldn’t be further from the truth. Not only does word get around that robbing your business is possible, but criminals are smart and know you may be thinking this very thing. The best way to handle it is to protect your business from repeat robberies with the following useful tips.