Insurance Insights

As a graphic designer, your job is to keep your customers happy by publishing high-quality designs on budget and on schedule. In this business, word of mouth is a big thing. Not everything can go as planned, however, and can delays and accidents can occur that could put your graphic design business at risk. Because of this, it’s important to have an insurance policy in place to protect your business.  But which one is right for you?

Microbreweries, sometimes called craft breweries, offer much smaller batches of brew than larger, more traditional breweries. Most of these are specialty brews made to highlight specific ingredients, proportions, or fermenting procedures.

If you currently own or you are thinking about opening a shoe store, there are a lot of things that need to be taken into consideration. The inventory you offer is, of course, one of the most important things that determine the success of your establishment; however, there’s more that needs to be addressed.

Most buildings use appliances of some type or another.  Apartments and homes use stoves, refrigerators, air conditioners and washers and dryers. Churches and government buildings use furnaces and air conditioners (even kitchen appliances in some cases). Then, you have commercial buildings that also use various types of electronics and appliances.

Small business owners sometimes wonder if they really need to purchase special event business insurance, and if so, how much they need and what they should insure. Whether you are throwing an outdoor or indoor event, dinner party or a black-tie benefit, things can still get out of your control costing you.

Employers might deny workers’ compensation claims for various reasons. In some cases, innocent and honest employees end up having to hire an attorney in order to enforce their rights and obtain workers’ comp. However, in others, the claims might not be legitimate and end up being denied.

IT project managers oversee the processes involved in meeting the information technology (IT) goals and pursuits of an organization. They plan, execute, and delegate the required tasks. Since the IT project manager’s team is often spread out in different locations, it’s their job to ensure all projects are handled and delivered on-time, on-budget and that all requirements are met. Essentially, IT project managers help companies operate more efficiently. They help their clients with IT and coding implementation

During the winter season things like black ice and whiteouts make it difficult for your fleet drivers to drive safely. Road salt helps with this. However, when it comes to your company vehicles, there are some downsides to road salt.

You have probably heard of email phishing, but what you may have never heard of before is “spear phishing”. This is a scam where small businesses like yours are the target. This scam comes in the form of an email that looks as if it came from a business or individual you know, but actually comes from criminal hackers who are looking for your sensitive company data like passwords, credit card information, and other financial information.

Residents and small businesses are urged by the NOAA’s National Weather Service to stay on tops of local warnings and forecasts and get educated on the different types of weather terminology. Below are definitions of some of the main winter weather alerts that as a small business owner you should know about — and what to expect if one happens to be issued in your area.