Insurance Insights

Many small business owners may be looking to expand their presence in some way within the online or mobile community, and in general it is believed that developing and utilizing mobile apps can be a tremendous help.

The purpose of contracts is to mitigate risks. That’s why it’s so important for small business owners to understand a few key elements before entering into a contract of any kind. A contract is only as good as the sum of its parts and its ability to be legally enforced. These elements must be present in order for a contract to be viable for the sake of your business and in the eyes of the law.

The amount of confidence small business owners exhibited through the end of May was considerable, but it seems as though those good feelings might not translate to more hiring in the near future.

According to the Occupational Safety and Health Administration (OSHA), there are thousands of employees who get eye injuries or become blind work eye injuries at work. Eye injuries cost employers over $300 million a year in loss of production from these injuries and workers’ compensation, and this doesn’t even begin to explain the danger and risk to the face in general. Eye and face protection is crucial in the workplace and starts with the protective equipment you provide your employees.

Small business owners that do part or all of their business online may want to be aware of a law that is now approaching a vote in the U.S. Senate which would impose a sales tax on purchases made online.

Wine stores not only sell a wide range of wines like cabernet, pinot noir, and merlot, but also champagne and beer. In addition, wine stores often carry accessories, such as bottle openers, wine racks, chillers, corkscrews, coasters, and more. If you are opening a wine store, you should first consider what your risks are so you can purchase the right types of wine store insurance. Wine shops are susceptible to theft from customers and employees, along with damage to your products from an unexpected event, and injuries caused to customers while they are in your store. Take these risks into consideration when choosing wine store insurance.

Restaurant owners understand the importance of providing a safe and sanitized working environment, and there are certainly risks of operating a restaurant. It’s important for their patrons as well as for the people who work for them. While safety is important, and a priority, for many restaurants, delis, and cafes throughout the country, things do occasionally fall through the cracks, get missed, or simply overlooked in the day-to-day operations.

Stores selling tea supplies carry an assortment of tea and coffee types, along with many of the supplies you need for making and displaying your tea. This includes tea cups, tea kettles, coffee mugs, sugar cubes, snacks and treats, coffee grinders, and often times other types of drinks such as juice, hot cocoa, and apple cider. Naturally, shoplifting and theft are among your biggest risks when owning a brick and mortar tea supply store. Aside from those, you’re at risk of injuries occurring in your store and damage to your delicate items. Continue reading for the best selection of tea supplies store insurance available.

Websites are increasingly important to your daily business operations. Even if you consider yourself primarily a brick and mortar type of business, your website is an important extension of your business image on the World Wide Web. Businesses today simply cannot meet their full potential without an effective website.

Hard economic realities continue to weigh on many of the nation’s small business owners, but at the same time, those difficulties aren’t keeping the majority of them from feeling good about their companies’ future prospects.