Insurance Insights

HR departments today have plenty on their collective plates. From hiring the right staff members for the company to administering benefits to avoiding employee litigation claims, HR professionals are as busy as worker bees.  Many times these busy HR professionals have hard times finding time for a proper coffee break. However, by taking the time to avoid a few potentially costly HR blunders, you can save a lot of time for yourself while saving your company a lot of money.

Small business owners are always trying to take advantage of any method they can find to increase their reach within their communities, and social media platforms give them an affordable, easy way to do so. However, many may not be doing all they can to tap these potentially rich veins of local interest, and those looking to expand may want to review their social media practices as a consequence.

Toy stores sell a wide range of toys for kids of all ages. This includes board games, handheld electronic and console video games, antiques and collectibles, modern toys, handmade toys, stuffed animals, building blocks, action figures, educational games, train sets and many more options. The biggest risk for toy stores owners is that of theft or shoplifting. Next is potential damage to the building or merchandise that could destroy everything in the store. Other risks include vandalism, general liabilities, and injury caused by the toys themselves. Protect all of your probably risks by getting toy store business insurance.

T-shirt stores sells many different t-shirts for adults and children, varying in their sizes, styles, colors, and designs. Some stores selling t-shirts will be catered to men, women, or children while others carry an equal amount of shirts for everyone. Many t-shirt stores also sell other apparel in the store such as hoodies, sweatshirts, jackets, sweatpants, lounge pants, socks, shoes, and hats. As a retail store, your biggest business risk may be that of crimes like theft or shoplifting. You also run the risk of a customer tripping or falling in your store and business property damage that could result in a loss of product. To protect these risks, you would get t-shirt store insurance.

The improving national economy has likely helped a number of small business owners improve their outlooks in recent months, and that in turn seems to have led to yet another uptick in hiring by these companies last month.

Pet supply stores carry everything you could possibly need for your pets, including food and treats, food and water bowls, litter boxes, cat and dog beds, crates, collars, leashes, clothing, aquariums and fish accessories, bird cages, and much more. If you are operating a pet supply or pet shop store, you also need to be aware of your risks. This includes accidents in your store that could cause harm to your customers and employees, as well as increased risks if you offer services like obedience training for dogs. Protect your risks with business insurance policies specifically designed to cover those risks.

If you are running a business, you no doubt shred important or sensitive documents. This can be anything from bank statements to customer or client files. Most people are aware of the general implications of not shredding certain documents, such as a data breach, but don’t realize there is an alternative. Indeed, shredding large amounts of paperwork takes time, but with mobile shredding you save time and money, while still keeping your business safe.

One of the perks that many small business owners and workers may enjoy is that they don’t necessarily have to go into the office every day, avoiding the difficulties of fighting traffic and dealing with all the other headaches of office life at larger employers. A new survey shows just how beneficial they can find this experience to be. However, it might also open them up to a number of threats, and can increase companies’ need for tech insurance.

Motels can be large or small, but either way, they need to provide clean and safe rooms for their guests. It is the responsibility of the motel owner or manager to make their guests comfortable. If you own a motel, you are in the business of hospitality, therefore your guests are your first priority. However, you should also be aware of the various risks associated with your type of business and obtain the right kind of insurance protection for each risk. Some of the common risks you will contend with include fire or flood that could damage rooms, liabilities involving injuries to your guests, employee and other forms of theft, losing the master keys to rooms and similar risks. Motel insurance will ensure these and other risks are covered.

Occupational Safety and Health Administration, otherwise known as OSHA, visits can be intimidating for many small business owners. They do not have to be though. Knowing what to expect makes all the difference in the world. It also helps you properly prepare for the visit so your small business passes inspection with flying colors.