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Insurance for Small Businesses

Insurance for Small Businesses
Making out a checklist is a great way to determine if job candidates are a good fit.
4 Factors To Help You Find The Right Hire
With the economy on the move and job sentiment improving, these guidelines can help ensure you pick the right candidate for an open position.
There are 28 million small businesses in the United States.
Paying Tribute To The 'Mom And Pop' Business Owner
March 29 is National Mom and Pop Business Owners Day, making it the perfect time to review your business owner insurance policy.
Malware is one of many cyber security threats that increase consumers' and business owners' vulnerability.
Cyber Crime May Be Even Bigger Threat Than Perceived To Be
A new study suggests that because the FBI doesn't keep tabs on cyber security incidents, breaches may be more common than experts realize.
Flooding can bring business operations to a grinding halt.
Flood Safety Awareness Week - During A Flood
The following tips should enable you to know what to do when in the midst of a flood event.
Employers who underestimate winter and don't prepare are risking their company's success.
Businesses' Winter Weather Preparations Fall Flat, Employees Say
Many employees say they were underwhelmed with how their companies prepared for winter this year, according to a recent survey.
New polling data suggests that Americans who work from home get more done than they do at the office, benefitting both employees and employers who provide the opportunity.
Remote Work Paying Dividends For Employers, Employees
More than three quarters of employees who work from home say they're productivity increases, according to a recent survey.
Data exposure is a major threat to small business owners, demanding a reliable security system.
4 Ways To Keep Your Business Protected From Cyber Attacks
Nearly three-quarters of security breaches affect small businesses. These tips can help your company avoid becoming a statistic.
Snowfall has led to more people taking advantage of telecommuting.
Crippling Snow Leading Many to Work From Home
The non-stop snowfall in New England has led to business owners encouraging workers to stay home and get their jobs done from there.
Business owners can tap into a major customer market by being mindful of the mobile shopper.
How Mobile Devices Are Changing The Landscape For Business Owners
Consumers' ability to access the Internet from anywhere is creating new opportunities for them - and entrepreneurs.
Here are three ways to help retain your best workers.
How To Retain Your Best Employees
1 in 5 workers age 55 and older have held 10 jobs more in their careers, according to a recent poll from CareerBuilder.
No matter what your business, the customer should be your top priority.
Why The Customer Experience Is So Important
If you've been a business owners for a while, you've probably noticed that the customer experience has never been more important than it is today. Of course, the customer has always been valued - after all, their spending dollar determines whether a business will succeed or fail  - but with an ever increasing number of companies entering the global economy, winning consumers' patronage is ultimately a battle of whose services leave buyers wanting more.
As a business owner, you want everything to go just as it's planned without any problems. But with the nature of life being what it is, mistakes are often made.
What is Professional Liability Coverage?
When your company is negligent for an incident that causes harm, professional liability insurance can cover your losses.
Approximately 3 million nonfatal workplace injuries and illnesses took place across the country in 2013, according to the U.S. Department of Labor.
3 Workplace Tips to Prevent Injury During the Winter
The cold and slippery conditions that are part and parcel of the winter season can increase the risk of injury and illness.
Though there are a lot of advantages to owning a small business - like being able to set your own hours - few entrepreneurs are taking time out for themselves.
Poll: Business Owners Say They Rarely Vacation
Approximately 60% of small business owners say they take just five days off per year, according to an OnDeck survey.
Approximately half of Americans say they recycle around three-quarters of all goods that are recyclable, according to a new poll from Kelton Global.
Why Business Owners May Want to Make 'Going Green' a New Year's Resolution
Half of Americans say they recycle 3 in every 4 recyclable items, suggesting that the environment is a top concern for many consumers.
 Based on a new survey, many workers are engaging in file-sharing practices that put their employers at risk of data theft or liability.
Employees Admit to 'Frequent' Risky File-sharing Behavior
More than 60% of workers say they've shared documents with someone they weren't supposed to.
In the U.S. alone, retail theft - colloquially known as "shrink," which comprises shoplifting, employee or supplier fraud as well as administrative errors - cost businesses approximately $42 billion last year, according to newly released statistics from Checkpoint Systems.
Employee Theft Cuts into Business Owners' Profits
More than 40% of retail crime is attributable to employees stealing, according to new data from Checkpoint Systems.
Fortunately, there haven't been any major winter storms during this year's holiday sales events, but if there were, having the right business owners insurance policy can provide entrepreneurs with the revenue they would have gotten had they not been forced to close their doors during the holiday rush.
Holiday Season Reminds Business Owners to Have the Right Insurance
With about a week and half remaining before the festive holiday, small business owners are pulling out all the stops in the hopes that the busy buying season will translate into big sales, as this is typically the time of year where companies go from operating in the red to the black.
Despite the frequency with which companies have been attacked by cyber criminals and the lengths some have gone to avoid a breach, many companies aren't confident that their system will work, based on a recent poll.
Cyber Security: Business Owners Not Certain About Their Data Protection System
More than half of organizations say that they don't know if they could keep their data out of the wrong hands if their security system was compromised, according to a new SafeNet poll.
While the Internet has enabled individuals and businesses to learn, grow and stay connected, it can also be used for fraudulent or deceitful purposes.
Cyber Security: 3 Information Security Laws Everyone Should Know
Often referred to as the information superhighway, the Internet is used by 2.8 billion people throughout the world and as many as 85% of the North American population, according to statistical data.
While businesses are reacting by heightening their awareness and taking steps to prepare, many are still less than confident that their protection systems will stave off a security issue of their own.
Cyber Security: More Businesses Responding to Rise in Breach Threats
Nearly 75% of companies have a data breach response plan in place, according to a new report from Experian and the Ponemon Institute.
Business owners may be able to serve as the bridge their workers need to get and stay healthy by implementing an employee wellness program.
Keep Your Workers Healthy With a Wellness Program
More employers today are implementing wellness initiatives to improve productive and cut down and absenteeism.
If you happen to own an e-commerce company, Nov. 30 has the potential to be your biggest, most profitable day of the year.
How to Get Your Company Ready for Cyber Monday
Suggestions for how to properly prepare for what is typically the biggest Internet-based shopping day on the calendar.
Between July and September, more than 18,000 clean energy and clean transportation jobs were created in nearly half of the U.S.
Easy Ways Business Owners Can 'Go Green'
There are many policies entrepreneurs can implement that reduce their company's carbon footprint.
More than half of employers in a recent poll indicated that they have hired someone in the past who they would consider as a "job hopper."
4 Ways to Maintain a Happy Workplace
These tips can help you keep a workforce that has no desire to go anywhere else.
There's another special sales event that takes place around this time that's getting increased attention any may at some point eclipse Black Friday in popularity: Small Business Saturday.
Take Advantage of November's Small Business Saturday
In 2013, close to $6 billion was spent on Small Business Saturday, which this year falls on Nov. 29.
Among small business owners exclusively, more than $35 billion is spent annually to settle civil suits.
4 Ways to Protect Your Business from a Lawsuit
More than 15 million lawsuits are filed in the country each year, according to the National Federation of Independent Business.
There are many motivations that entrepreneurs have for launching their own business, some of them being strictly economical, while others find it to be the most practical option based on their skillset.
Passionate Business Owners Biggest Predictor of Success, Study Finds
A recent report suggests that people who are passionate about their companies tend to be the most well off financially.
If life were perfect, every employee you hire would be an upstanding individual who is honest to a fault.
3 Ways to Prevent Employee Dishonesty
Approximately 40% of occupational frauds are committed by employees, according to the Association of Certified Fraud Examiners.
Perhaps in light of the recent hacking attempts on businesses like Target, P.F. Chang's and Neiman Marcus, a majority of consumers are becoming more cognizant of the security of their online activity, according to the results of a recent survey.
Consumers More Conscious of Online Security, Survey Finds
Even though more people are aware of Internet threats, basic security measures often aren't taken, a new poll found.
A considerable number of entrepreneurs would overhaul the current system that they have in place, according to the results of a recent poll performed by the Ponemon Institute.
Survey: Business Owners Dubious of Their Cyber Security Framework
If given the opportunity to makeover their Internet protection, many company owners would take it, according to a new poll.
Businesses Need to Place Importance on Cyber Security
Businesses Need to Place Importance on Cyber Security
Less than half of company leaders don't prioritize cyber security, according to new statistics from PricewaterhouseCoopers.
A substantial number of Americans today believe it's permissible for employers to reprimand their workers for tweeting or posting something that they shouldn't have.
How to Develop a Social Media Policy for Your Business
Many workers believe companies have the right to discipline workers for inappropriate social media content postings, according to a YouGov survey. offers some strategies to business owners in need of a sound data protection plan.
Protecting Company Data from Hackers offers suggestions for business owners and entrepreneurs can fend off a data breach.
If you plan on hosting a pool party, it's important to be aware of the potential issues that may come up if someone is seriously hurt.
End-of-Season Pool Party Planned? Make Safety a Priority
The Insurance Information Institute reminds homeowners about the insurance implications resulting from pool-related accidents.
If you ask a small business owner about their career satisfaction, there's a good chance they'll be thrilled with their current position.
Most Small Business Owners Pleased with Career Choice
A new Gallup poll finds that most people who run a small business would not change their profession if they had the ability to.
Business owners confirm email is still one of the most important functions in the office
Business Owners Point to Email as Most Effective Means of Communication
Nearly 85% of managers say email is the best way to keep customers engaged.
A new poll shows that texting hasn't fallen by the wayside completely, and calls are still the norm.
People Still Call More Than Text, Poll Suggests
When in-person conversations can't be had, consumers say they'd rather call than text.
When it comes to more time or more money, most Americans would take a bigger check over more personal time.
Pay Raise vs. Vacation Time?
An overwhelming majority of Americans say that they'd rather be compensated more robustly than additional time to themselves.
For those who are number savvy, a career as a mathematician is looking like a good choice.
2014's Best Job Is…
Mathematician has been declared 2014's best job. The growth rate for math teachers is expected to surge 23% by 2022, according to a new CareerCast report.
One of the biggest deterrents to more recycling could be a lack of appropriate bins.
Convenience an Important Factor in Recycling, Poll Finds
A new poll says that Americans might recycle more if they had a bin in every room.
Consumers are still uncertain whether businesses are keeping their information safe online.
Poll: Businesses aren't sufficiently protecting consumers' identity
Nearly 90% of consumers cited online security as a leading issue of worry for them, according to Radius Global Market Research.
Restaurants around the country could be missing out on long-term customers due to a lack of loyalty programs.
Few restaurants offer loyalty programs to customers
A new Deloitte survey suggests that dining establishment owners may have a new way of drumming up business.
Workers compensation insurance for business owners can help provide entrepreneurs with the funds needed should an employee be out of work for an extended period of time due to injury.
Most employees say they've worked while being ill
An OfficeTeam poll indicates that approximately 70% of Americans have put in an eight-hour day on the job even though they were sick.
Restaurant sales dipped marginally in 2013 as competing in the industry becomes more challenging.
Restaurant sales ease in 2013
A new study finds that overall restaurant sales slowed last year, although not by much.
They also stressed that business owners should better examine the failures that occur when injuries happen at the workplace and what potential solutions might fix the problem.
Entrepreneurs to delve deeper into injury reports
The American Society of Safety Engineers indicates that businesses should be more analytical when drawing up on-the-job injury accounts.
More than 6 in 10 business executives recently indicated that they work on the weekends, whether at their workplace or home.
Most business executives work the weekends
Many entrepreneurs say that they put six to seven days of work in on a regular basis, according to a survey by The Creative Group.
While recent predictions show the 2014 hurricane season to be fairly calm, experts still urge consumers to be prepared.
Expected hurricane forecast for 2014
NOAA predicts a mild to normal hurricane season this year.
The National Safety Council’s latest fact sheet uncovers the most common injuries Americans suffer.
NSC releases latest injury report
The National Safety Council published its 2014 edition of 'Injury Facts,' which delves into what types of injuries there have been nationwide.
As temperatures slowly but surely climb, people can expect thunderstorm activity to increase.
New system to improve storm detection
The National Oceanic and Atmospheric Administration will soon unveil its latest technology for storm trackers.
Ride-sharing programs are more popular than ever.
Ride-sharing programs cause confusion for motorist liability
Illinois and Colorado are among the states implementing legislation that addresses what coverage applies for ride-sharing.
For more than half a century, America has been officially celebrating entrepreneurs through the annual Small Business Week.
SBA launches 2014 National Small Business Week
The Small Business Administration kicks off the 51st annual event that pays tribute to the U.S. Entrepreneur.
In a recent survey, more than two-thirds of the 1,400 retail business owners who responded to the poll said that they weren't worried about credit card security at their companies.
Business owners not so worried about credit card security
The highly publicized Target data breach hasn't phased many entrepreneurs, according to a new survey.
Many company managers may make volunteer opportunities available for their workers.
Volunteering a focus for millions of Americans
More than one-quarter of adults in the U.S. made their services available in 2012 without being compensated, according to a recent report.
Information security experts say that these attempts will continue to be made, something that business owners can't afford to have happen to them.
Despite concern, few working to prevent data breach
The Target breach hasn't resulted in people being more conscientious about their financial dealings, according to an AP-GfK poll.
Approximately 50% of respondents to a survey performed by staffing service firm OfficeTeam indicated that their "lunch hour" is more often than not 30 minutes in overall length.
Most Americans lunch at work for 30 minutes or less
Only 38% of workers say their lunch hour is in reality 60 minutes, according to an OfficeTeam poll.
Roughly two months into the study, the vast majority of workers had little to no pain symptoms stemming from typing.
Ergonomic keyboards no better than standard
A University of Pittsburgh professor finds that keyboards meant to be easier on the joints aren't much better than the normal kind.
Though it may come as a surprise, the U.S. is one of the few high income countries where paid vacation time is not a requirement.
Few doctors get four weeks of vacation
Radiologists and anesthesiologists are the only doctors where at least half get to enjoy four weeks of time off from work, according to a new survey.
According to the Association of Certified Fraud Examiners, roughly 5% of revenues that organizations lose each year stems from fraud, including occupational fraud.
Business owners rarely report employee crime to police
A new University of Cincinnati study finds that only 16% of small business owners utilize law enforcement when a worker steals from the company.
The report also indicated that roughly 50% of the chicken breasts that were sampled had one or more strands of bacterium that were resistant to multiple types of antibiotics.
Consumer Reports indicates food-borne illness found on nearly all chicken breasts
More than nine in 10 of the chicken breasts analyzed by Consumer Reports tested positive for bacteria late last year, all of which were purchased at grocery stores.
More Americans will likely head to fast casual dining hotspots in 2014.
Fast casual dining experience proved to be popular
Mintel recently released its take on what foodservice trends will emerge in 2014.
Potential consequences that they believed could take place included being fired, being teased or harassed by their fellow co-workers, as well as not receiving a promotion.
One in 10 Americans hesitant to report job related injuries
A new survey from says that 10% of adults have not informed their workplace after being hurt, worried as to what might happen if they did.
For example, in the northern city of Elyria, more than a dozen water mains broke inside of two weeks.
Ohio businesses feel effects of damaging cold
The subzero temperatures in January forced many Ohio-based companies to close their doors temporarily in order to thaw out frozen water pipes.
As the DOJ defines it, identity theft is the misuse or attempted misuse of an existing account for underhanded purposes.
Report: Identity theft pervasive threat in 2012
Nearly 10% of Americans over the age of 16 had their identities stolen two years ago, according to newly released government data.
At the state level, 49 of the 50 witnessed growth in hiring activity within the retail sector, establishing net job losses at minus-1%.
Holiday help increased in 2013
Human resources and professional employer organization TriNet indicates hiring for seasonal work rose by nearly 30% in 2013 compared to the previous year.
The poll also revealed that there's something consumers find to be special about buying local.
Consumers prefer in-person shopping to web-based
Approximately 70% of shoppers say they would rather buy merchandise at a brick-and-mortar store than via the Internet.
Food labels and front of package claims are there to help consumers make informed choices.
Consumers perplexed by product health claims
Survey data commissioned by The Sugar Association indicates that health-conscious Americans can't help but feel misled by some labeling practices.
Another issue for entrepreneurs, the study found, is malware, which is damaging software that's embedded stealthily in seemingly innocuous links that can cause serious problems for a network or personal computer.
Mobile device popularity increasing security risks for businesses
A new study conducted by the Ponemon Institute finds that cyber security is becoming more difficult to control due to increased Internet access on the go.
In the meantime, almost nothing advances at quite the kind of speed that technology does.
Good help is hard to find
A survey performed by the Technology Council of North America finds that IT professionals are having a hard time finding quality talent.
In 2012, more than half of small businesses had to deal with a cyber threat of some kind, many of which attacked companies’ sensitive organizational data.
Cyber Security Awareness Month a success, but was it enough?
Hundreds of business owners joined the anti-cybercrime movement this past October, but concerns about Target's recent security breach emphasize the need for cyber protection.
Approximately 10 million firms in the U.S. are operated by women, overseeing more than 13 million employees and contributing about $2 trillion in sales to the U.S. economy.
Job positions filled by women at record levels
The Institute for Women's Policy Research says that women surpassed their previous employment peak in November.
More than 96% of those polled said that they like to receive some type of information about sales at the stores they frequent.
Survey: Sales events bring greater loyalty
The vast majority of consumers say that when they're informed about markdowns on regularly purchased products, they're more likely to go back.
While retailers in previous years have opened their doors on Thanksgiving, this was done to a greater extent this past holiday season - a move which proved to be a financially successful one.
Sales soared during 'Black Weekend'
Door-buster discounts had their intended effect for Christmas 2013, evidenced by consumers spending more.
The poll, which questioned approximately 900 executives from companies that had an international presence, discovered that 93% of respondents intended to change their business profile in 2014 so that it was noticeably different compared to all the previous years in which they were established.
2014 to bring rejuvenated business models
New polling data suggests than nine in 10 business owners want to makeover their business objectives and functions.
For much of the year, there's been an inverse relationship, meaning that when gas prices go down, sentiment goes up and vice versa.
Survey finds link between gas prices and consumer sentiment
Polling data from the National Association of Convenience Stores reveals what effect the cost of fuel has on buyer attitudes.
Job applicants are resorting to unique ways to land positions.
Unique interview styles
From crafting a cover letter to resemble a wedding invitation, to performing a musical number, a CareerBuilder survey reveals some unique interview styles.
Millenials are most likely to inform hotel staff members if their wishes aren't being accommodated to their satisfaction.
New generation of business travelers speak up
New study shows what 18-to-30-year-olds are like when traveling for business or pleasure purposes.
Despite alcohol's availability, respondents pointed out that it is a one-of-a-kind product that not just anyone should be able to access.
Survey: Consumers respect liquor laws
A poll performed by the Center for Alcohol Policy finds that Americans think the regulations on alcohol are appropriate.
Shoppers are searching for more options from internet companies.
Consumers expect strong service from e-retailers
As e-commerce spending increases, shoppers demand a higher standard from internet companies.
Nursing home facilities tend to see the highest number of accidents and injuries among workers.
Healthcare industry struggles with employee injuries
New research says that the healthcare sector saw a high prevalence of accidents in 2011 among workers.
Iowa, Illinois, Arkansas, Oregon, Kentucky and Washington rounded out the 10 states where recycling centers were the most abundant in recyclables.
Study: Northeast recycling centers most productive
Environmental sustainability is a standard many Northeasterners are living up to, as many recycling businesses there are operating at full capacity.
Cyber Monday traffic in 2012 peaked right around 11:30 in the morning, followed by another strong surge of sales activity just after 9:00 p.m.
Effectively preparing for Cyber Monday
The most important component of the event for online retailers is ensuring that the website will be able to handle added volume.
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