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Common Insurance Mistakes to Avoid

Buying insurance? Here's what to avoid.  In this day and age, insurance is essential. Policies protect us when we’re out on the road, at work, and are with us for years and years. Personal insurance is always coverage worth investing time and money into as the protection can be endless. Even so, many people often don’t take the time to learn their policy or choose the wrong one altogether. Insurance mistakes can cost you big, so it’s important to know what obvious mistakes to avoid! Under-Buying It’s easy to go online and purchase the first policy that you see. In doing so, you could be buying the wrong coverage and limited protection. For example, if you purchase the state’s minimum requirements for auto insurance, you could be leaving your brand new car exposed. Not only would your liability limits be lower, but you could end up exceeding your coverage – leaving you to foot ... Read more

How to: Lower Your Workers’ Compensation Costs

Most injuries can be prevented before they occur. Most business owners take the necessary precautions to protect the employees and visitors. Even so, accidents happen. Insurance coverage doesn’t have to drain your funds for the sake of protection. If you’re looking for ways to save on workers’ compensation insurance, you’ve come to the right place! Many injuries that occur on the worksite are entirely preventable. Whether you’ve been hit with a workers’ compensation claim, or are simply looking to reduce the risk of injury in your work environment, read on! Set up a safety program. Many injuries can be prevented before they occur. Having a safety program helps you to identify and eliminate workplace hazards that may cause accidents. California requires employers to have a written safety program in place. Moreover, putting standards and procedures on paper shoes that your company is committed to safety. If you have a plan already in place, ... Read more

Five Ways to Bring Zen into the Workplace

Reduce stress and anxiety in your office with a few simple tips. Walking into the office on a Monday morning doesn’t typically evoke feelings of relaxation. The projects and deadlines for the week loom ahead, and more often than not, stress can be in the air even before the first pot of coffee is done brewing. Even though work can be stressful, your office needn’t be! Creating a calm environment in your immediate workspace will make your whole life healthier as well as increasing productivity among employees. Set aside a happy place Designate a room just for relaxation for your employees. Deck it out in comfy furniture, muted colors, muted lighting, and Yoga mats. Having a space like this for employees is a small addition, but with huge benefits. Let the light in Allow natural light to fill your office space for instant cheerfulness. Also, encourage your team to take a few minutes to go ... Read more

Business Insurance Your Startup Needs

The world of business insurance can be tricky for startup companies. Here’s what you need to know. Between generating loyal customers, correcting the revenue model, and landing your team a stellar supervisor, insurance falls way down the list of important to-dos. However, proper business insurance coverage can be critical to, and is often a requirement for, a startup’s success. Here is a breakdown of the main types of business insurance startups need and why you’ll need them! General Liability Insurance: Otherwise known as “slip and fall” insurance, this coverage goes way beyond office mishaps. Coverage ranges from all kinds of bodily injury and property damage caused by your company. Additionally, it includes the actions of your team members outside of the office as well as the use of your products by your customers. Workers’ Compensation: Workers’ Comp covers injuries to your own employees while on the job. Even if you only have one ... Read more

Affordable Perks for Your Employees

If your company needs to tighten its belt, don’t force out your top talent in the process. Whether you’re a new business or one that has reached rocky waves, you’re likely looking for good and, more importantly, affordable perks to retain your top talent and attract strong workers. If your top talent is getting offers from better-financed rivals, your company could suffer a rapid loss of staff. The ultimate way to keep employees from bolting is to hire people who believe in your company’s mission, all the while rewarding them without breaking the bank. Here are a few low-cost perks you can offer. Let your employees work from home. Give employees the option to work from home one day a week. Employees who telecommute reported improvements in their stress, morale, and productivity. Encourage breaks. Set up a designated quiet room for employees to take 10-minute relaxation breaks. Employees will come back to their ... Read more
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