Insurance Insights

If you run a business or your personal computer has personal, confidential, and important files, you want to protect them. Any number of unexpected events can occur that may destroy your hardware as well as your data. A fire, virus on your computer, cell phone drop, or other events can cause major mishap. However, you can avoid losing your files, documents, and sentimental pictures by choosing either data recovery or data backup. Each of these helps you regain your files, though in different ways.

Sporting goods stores at the retail level offer a wide range of sporting equipment, ranging from fitness equipment and protective gear to camping supplies and baseball bats. It can be a fun business, especially for individuals with a passion for outdoor activities and sports in general. After investing time and money into your business, the last thing you want to do is end up in financial turmoil over an unexpected event. Risks such as employee injuries, property damage, theft, and fire exist in a sporting goods store. Sporting goods stores insurance policies can protect these risks and more.
Types of Sporting Goods Stores Insurance
As the owner of a sporting goods store, you have a wide range of business insurance policies available that will offer your company the best coverage possible.
Sporting Goods Stores General Liability Insurance

Credit fraud is on the rise and the impact it’s having on small businesses is significant. According to a recent survey by Javelin Strategy, 8.8 percent of small business ownersexperienced fraud incidents in 2011 while only 4.7 percent of those surveyed who were not business owners were the victims of fraud.

The ESIGN Act of 2000 was signed into law by President Clinton making electronic signatures legal and ushering American businesses into a new age in the world of business. Today, small and large businesses alike are making the move to a paperless way of doing things. This new way of accepting signatures is becoming more widely accepted around the world and is part of a sweeping push to make workplaces around the world greener. But, it’s important to be aware of the potential risks and rewards these changes are leaving businesses open to.
Rewards of Using Digital Signatures

Owning and operating a wholesale candy distributor business can be a very sweet business to run –literally and figuratively — but also one that includes various risks. As the owner of a wholesale candy distributor business, you will be in charge of distributing an assortment of candies, including milk and dark chocolate, sugar-free candies, hard candy, taffy, caramels, and holiday candy varieties like candy corn at Halloween or peanut butter eggs at Easter. Aside from candy, you might also distribute other snack foods such as nuts, popcorn, or marshmallows. Items are distributed as bulk, wholesale items, as well as individually packaged products in smaller quantities. You will provide your candies and snacks to various retailers around the country. Because of all these functions, risks with your business include products liability, such as illness from your candies, along with work-related accidents, damage to your warehouse from unforeseen events, and other risks. Wholesale candy distributor insurance is essential for protecting your business from these exposed risks.

Security, particularly in today’s business climate, is so much more than a simple buzz word. It’s something that any business owner, small or large, needs to take to heart. It’s something you cannot afford to overlook as you plan your budgets and establish your business goals for the year ahead. One way that you’ve managed to cut costs is by investing in VOIP phone systems for business rather than costly landline phones. But these savings carry a price of their own.

A bath shop sells a luxurious bath and body products including lotion, soaps, bubble bath, bath salts, aromatherapy candles, fragrances, bath and shower gel, and more. Many bath shops also sell accessories for a bathroom like shower curtains, rugs or mats, storage containers, toothbrush holders, decorative items, trash cans, bath towels and other similar items. Owning and operating a bath shop can be a gainful and worthwhile profession, but you are also open to a variety of risks. Due to the nature of your products, injuries can occur in your store, such as a bottle of bubble bath that spills causing a customer to slip and fall. This type of accident could result in a lawsuit for damages. These and other risks should always be covered by bath shop insurance.

Workplace wellness programs are important tools for making small businesses today more profitable. Surprisingly enough, it’s the younger businesses that are leading the charge in adopting these wellness programs.

Mobile payments may have taken a little while to catch on. Now that they have, however, they are spreading like wildflower to mobile devices around the world. According to Gartner.com, mobile transaction payments globally are set to surpass $171.5 billion, which is a nearly 62 percent increase over 2011 values that were only $105.9 billion. These payments are expected to continue rising over the next several years. But, how do small businesses reap the rewards of mobile payment systems while limiting the risks that go along with those additional profits? Take a look at these mobile payment systems risks and benefits.

The holidays are approaching quickly and thoughts are turning from quarterly reports and budgets to thoughts of reindeer and fruitcake (well, maybe not fruitcake). It happens in the best of offices and there are plenty of holidays to be enjoyed this time of year to make for one great big celebration.