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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

How Do I Choose the Right Home Insurance Deductible?

When selecting your deductible, be sure to know what you’re signing yourself up to. Homeowners know that their insurance policy is designed to protect their house and belongings throughout perils and lengthy lawsuits. However, when deciding on a policy, it’s important to understand what the deductible means for you policy. What is a deductible? Within your homeowners' insurance is a deductible. This is the total amount “deducted” from an insured loss. When filing a claim to repair your home or replace your personal belongings, the deductible would come out of your pocket. There are typically two choices of deductible types: Dollar-amount: For example, $500 “dollar deductible”. If your claim was for $10,000, your insurance company would take care of $9,500 while you paid the remaining $500. Percentage based: This is based on a percentage of your home’s insured value. If your home is insured for $100,000 and your insurance policy has a 2 percent deductible, $2,000 ... Read more

Check Engine Light Come on Your Car? Here’s How to Handle It

The solution to this warning light may be simpler than you think. It happens to the best of us. We’re driving along and everything is fine and dandy. Then you see it… The orange-red glow of the Check Engine light. Suddenly, your heart sinks and you wonder how much repairs are going to cost you. Before panic sets in and you stop your car in the middle of the road to check plugs, here’s what you need to do if your car’s check engine light comes on. It could just be your gas cap. A loose, cracked, or faulty gas cap can cause fuel to evaporate, therefore prompting your check engine indicator to light up. Pull over when you can, safely, and make sure that your gas cap is on tight. Your spark plugs or plug wires need to be replaced. Your spark plugs ignite the air and fuel mixture in the combustion ... Read more

Affordable Upgrades to Your Car’s Performance

Take your vehicle to the next level with these low-cost performance updates. Every motorist wants to get the most out of their vehicle. By upgrading your vehicle, you can improve your car’s performance. Performance can be measured in a few ways including fuel consumption, emissions output and maximizing the kinetic energy your car can produce. Fortunately, car tuning is not as complex as it sounds. Even if you aren’t quite the motorhead that you’d like to be under the hood, you can still go ahead with these tuning ideas: Reduce your junk. This one is easy – and free! It’s amazing how quickly the rubbish in your backseat and trunk can add up. The effect can be significant on mileage, handling, braking distance, and more. Remove items that you won't need before you begin every journey. Why are you still carrying around your beach chair and umbrella in September? Replace your old spark plugs and ... 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
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