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Does Your Small Business Need Cyber Insurance?

Tue, 20 Mar 2018 00:00:00 GMT

When even big hitters like Experian are hacked, it makes the news. If a small business suffers a cyber attack we don’t necessarily hear about it, but it happens. Stolen data can cost a company a lot of money, no matter their size. A small bu...




How to Handle Sexual Harassment in Your Small Business

Fri, 23 Feb 2018 00:00:00 GMT

With sexual harassment in the spotlight, the hope is that employees and the companies they work for will be more sensitive to the problem and behave accordingly. The recent attention given to the subject makes it more clear than ever that serious...




How to Hire the Right People for Your Small Business

Mon, 22 Jan 2018 00:00:00 GMT

When you’re trying to attract good employees for your small business, you may feel as if big employers have the advantage. After all, they usually pay more, offer the best benefits and demonstrate staying power more easily. But that doesn&rs...




8 Ways to Be a Better Boss

Thu, 21 Dec 2017 00:00:00 GMT

Hiring employees, managing the business, paying the bills, monitoring customer service, motivating the staff… The to-do list seems to go on forever. Running a business is not for the faint of heart, but there are some steps you can take to...




Insurance Options for Your At-Home Business

Tue, 21 Nov 2017 00:00:00 GMT

If you work out of your home, there’s a good chance you need specific business insurance coverage. Even if you have homeowners or renters insurance, your policy may not do enough to meet your needs. Depending on the kind of business you have...




How to Create a Wellness Program for Your Small Business

Tue, 31 Oct 2017 00:00:00 GMT

Workplace wellness programs have been helpful for larger companies in efforts to boost morale and enhance productivity, but what about small businesses? Even if you don’t have the budget for expensive solutions like an at-work gym, there are...




How to Reduce Your Costs for Workers Compensation

Wed, 27 Sep 2017 00:00:00 GMT

Chances are good your business is located in a state where Workers Compensation insurance is required. No matter how small your business is, and whether or not Workers Comp is required, coverage is good for you, your employees and your business....




A Guide to Finding the Right Accounting Software for Your Small Business

Wed, 16 Aug 2017 00:00:00 GMT

Accounting software has simplified the accounting process for business and personal finances. Today, many software options are available, helping users avoid the one-size-fits-all dilemma. With a little bit of research you can find the accounting...




How to Keep Your Millennial Employees Happy at Work

Thu, 20 Jul 2017 00:00:00 GMT

A lot of generalizations have been made about millennials, considered anyone reaching young adulthood in the early 21st century. A lot of what is said about them isn’t particularly flattering: they’re privileged, entitled, spoiled and,...




Small Business? You’re at Risk for Employee Fraud

Wed, 21 Jun 2017 00:00:00 GMT

If you think your company is too small to worry about employee fraud, consider this: A small business with fewer than 100 employees had 28% higher losses from fraud than larger companies, according to a report by the Association of Certified Fraud...




Should Your Business Allow Employees to Bring Pets to Work?

Wed, 17 May 2017 00:00:00 GMT

Many companies are finding out that letting employees bring pets to work can actually improve business. In fact, the Society of Human Resource Management found that seven percent of employers let employees bring their pets to work. It’s beco...




What You Need to Know About Small Business Health Insurance

Wed, 17 May 2017 00:00:00 GMT

As if the health care scene isn’t confusing enough, small business owners must sift through a number of options to find the employee health insurance program that makes sense for them. Business with fewer than 50 employees are not required t...




Understanding Business Insurance for Veterinarians and Animal Service

Mon, 17 Apr 2017 00:00:00 GMT

Businesses that involve working with animals deal with something others don’t: pets that belong to other people. That distinction comes with particular considerations that aren’t covered in other business insurance plans. Pet-relat...




Can a Company Retreat Improve Your Small Business?

Sun, 26 Mar 2017 00:00:00 GMT

After several years of waning popularity, the corporate retreat has been making a comeback. Interest dropped almost 90 percent from 2005 to 2013, but since coming out of the Great Recession, more and more companies are carving out time for busines...




Employee Wellness Programs: What You Should Know

Tue, 14 Feb 2017 00:00:00 GMT

Employee wellness programs, which vary in scope, are changing the workplace environment for the better, even for small businesses. They offer a perk that can help a company attract and retain employees. But wellness programs have also been found t...




6 Must-Haves For Your Small Business Website

Tue, 24 Jan 2017 00:00:00 GMT

Think of your business website as your living room, where you greet visitors and make them feel welcome. It’s where first impressions are made. Treat visitors right, and they’ll come back again and again. Every small business needs...




EINSURANCE’s Top 10 Articles of All-Time

Tue, 24 Jan 2017 00:00:00 GMT

We have been posting articles for over 20 years to ensure you, our customers, are informed when buying insurance. Our commitment has been, and will always be, to keep you up-to-date on coverage options, policy terms, and all you need to know about...




Avoid These Common Mistakes When Buying Business Insurance

Fri, 09 Dec 2016 00:00:00 GMT

If you’re like a lot of business owners, you might make mistakes when it comes to purchasing business insurance. Protect yourself from costly errors, review the details of your business and insurance to avoid making costly errors. Here a...




Errors and Omissions Insurance Can Save Your Business a Lot of Money

Tue, 22 Nov 2016 00:00:00 GMT

  Being human, we all make mistakes from time to time. Since errors are inevitable, there’s an insurance that specifically covers professional mistakes and oversights: Errors and Omissions Insurance. Errors and omissions (E&...




Fun Halloween Ideas for Your Small Business

Tue, 25 Oct 2016 00:00:00 GMT

Owning a small business doesn’t always have to be about putting out fires, containing costs and managing everyday things that can feel more like chores—although these are all important to your success. But, with Halloween on its way, have s...




Risk Management: A Reality for Small Business

Wed, 28 Sep 2016 00:00:00 GMT

When you have a small business, you have a lot of hats to wear. Here’s another one: Risk Manager. Risk management is a process that identifies, assesses and provides a plan to mitigate risks that affect a business. Despite its importance...




How to Save Money with Your Small Business Insurance

Wed, 31 Aug 2016 00:00:00 GMT

Insurance is a fact of life for business. When you own a small business, choosing the best kinds of business insurance policies and then paying the premiums can seem overwhelming, especially considering all your other daily concerns. There are som...




Cyber Liability Insurance: What It Is, What It Covers and Why You Need It

Wed, 29 Jun 2016 00:00:00 GMT

As the headlines have reflected lately, cyber security is a huge issue for businesses of all sizes. In fact, say the experts, your company will probably be hit with such a breach – and may have been already without your knowledge. Data s...




Be Prepared for a Disaster with Business Interruption Insurance

Fri, 20 May 2016 00:00:00 GMT

Maybe you had a hunch from watching the evening news: economic damage due to natural disasters is on the rise. According to AccuWeather, natural disasters experienced from 2000 to 2009 were three times more frequent than they were between 1980 and...




Common Lawsuits Business Owners Should Know About

Fri, 29 Apr 2016 00:00:00 GMT

While businesses are hit with suits of all kinds every day, certain core lawsuits rank as the most common. Most of these are covered by business insurance. As a business owner, you should be familiar with the possible suits you need protection for...




What Types of Insurance Does Your Business Need?

Tue, 15 Mar 2016 00:00:00 GMT

Insurance protection is a reality for today’s entrepreneur and small business owners, just as it is for large corporations. There is coverage for just about any issue that could arise in your business. The policies you need depend on a numbe...




Does Your Business Need Cyber Insurance?

Mon, 29 Feb 2016 00:00:00 GMT

Cyber attacks are here to stay, and companies large and small stand to lose a lot of money if not properly insured against wrongdoing. Whether it’s internal or an attack from outside, tech breaches pose a very real threat and you need to be...




Is Your Small Business at Risk of Workers Compensation Fraud?

Fri, 22 Jan 2016 00:00:00 GMT

Workers comp fraud costs Americans billions of dollars every year--as much as $5 billion annually according to the National Insurance Crime Bureau. False claims drive up the cost of premiums to employers, and it isn’t just giant conglomerati...




Six Ways to Protect Your Small Business from Cyber Attacks

Fri, 22 Jan 2016 00:00:00 GMT

Think the cyber crooks only go after big businesses? Think again. Small businesses are especially vulnerable because they they’re too penny-ante for hackers to bother with. The truth is cyber criminals see your small business as a target in...




Small Business End-of-Year Insurance Checklist

Wed, 02 Dec 2015 00:00:00 GMT

If 2015 has been good to you and your business, that’s great. But you can’t count on the past to predict the future. Before you get caught up in holiday plans, take a few minutes to review some important small business insurance items....




8 Tips to Cut Your Workers Comp Costs

Thu, 12 Nov 2015 00:00:00 GMT

You are required by law to carry workers compensation insurance if you have at least one employee besides yourself. It can run over $2.00 per work hour per employee. That makes finding cheaper workers comp coverage for your small business a major...




Four Coverage Options If You Work Out of Your Home

Thu, 12 Nov 2015 00:00:00 GMT

Being your own boss is part of the American Dream. Working from home makes it even better. But the dream has some downsides. What would happen to your business if you were injured or hospitalized? What if a delivery guy trips bringing you your off...




Is Your Smartphone a Cyber Liability Risk for Your Small Business?

Wed, 21 Oct 2015 00:00:00 GMT

Think cyber liability only affects giant corporations? Wrong!  Your small business is equally exposed. The fact is, 25% of data breaches happen at firm with fewer than 50 employees and, according to a recent survey, you’re at greater ri...




3 Reasons to Buy Commercial Auto Insurance for Your Small Business

Wed, 30 Sep 2015 00:00:00 GMT

When you own a small business you’re always looking for ways to cut costs, which may lead you to ask a couple of good questions like “who needs commercial auto insurance anyway?” and “can I use my personal car insurance for...




7 Insurance Policies Your Small Business Needs

Wed, 30 Sep 2015 00:00:00 GMT

Buying small business insurance coverage online for your small business has never been easier, and going without has never been riskier and could put you on the fast track to going out of business. Even if you’re running a one-man operation...




Top Tips to File a Small Business Claim

Thu, 06 Aug 2015 00:00:00 GMT

In an analysis of its small business claims, insurance provider The Hartford projected that four out of 10 small businesses in American are likely to file a property or general liability claim in the next decade. They’ll run the gamut from t...




Is Your Small Business Underinsured?

Thu, 16 Jul 2015 00:00:00 GMT

Any of these arguments sound familiar? “I run my business from my home. My homeowners insurance policy will cover any claims.” “The nature of my business doesn’t really expose me to law suits.” “I don&rsquo...




8 Ways Small Businesses Can Save on Workers Compensation

Thu, 18 Jun 2015 00:00:00 GMT

If you own a small business and have at least one employee besides yourself, by law you have to carry workers compensation insurance. The going average cost in the private sector right now is around $2.30 for every hour worked, times the number of...




Smartphones Cyber Liability Risks

Thu, 14 May 2015 00:00:00 GMT

Do you know anyone who doesn’t have a smartphone? In just a few short years, they’ve gone from nowhere to near ubiquity. By the end of 2014, Comscore.com reported that 182 million people in the U.S. owned smartphones equal to nearly 75...




Insurance Options for Home-Based Businesses

Thu, 16 Apr 2015 00:00:00 GMT

If you’re operating a small business out of your home, you’re not alone. According to Small Business Administration (SBA) data, 52% of all U.S. small businesses are home-based.[1] Chances are you’re also one of the 75% of all U.S. bus...




Ridesharing Business Insurance Basics

Thu, 12 Mar 2015 00:00:00 GMT

Tired of the 9-to-5 grind? Or just want to earn a little honest money on the side? Running a ridesharing business could be just the ticket. As of December 2014, Uber, the best known of the ridesharing companies, reported 162,037 active drivers in...




Do Wellness Programs Make Sense for Small Businesses?

Thu, 15 Jan 2015 00:00:00 GMT

The 175,000 employees of the Kaiser Permanente system can take advantage of benefits such as on-site gyms, vending machines filled with healthy options and Instant Recess, a 10-minute physical fitness break in the middle of the day. All 131,000 of GE&r...




Here Comes the Small Business Employer Mandate: Are You Ready?

Thu, 20 Nov 2014 00:00:00 GMT

With the many changes that have been made to the Affordable Care Act (aka ACA and Obamacare) it is all right if you’re a bit confused. After all, you have a business to run. But, fact is, after multiple delays the employer mandate will finally ki...




Do You Need Commercial Auto Insurance for Your Small Business?

Wed, 05 Nov 2014 00:00:00 GMT

The majority of businesses in America are small, most of them truly so, operating as sole proprietorships or with a handful of employees. Keeping the doors open and the lights on is a big challenge; buying anything that isn’t an absolute nec...




Workers Compensation 101: A Quick Overview

Thu, 30 Oct 2014 00:00:00 GMT

People get hurt on the job. That’s the simple premise behind one of the most complicated laws and complex set of regulations known to American employers. Here’s a quick overview of the U.S. workers compensation system and some basic fa...




Small Business Insurance Basics for Tax Preparers

Fri, 24 Oct 2014 00:00:00 GMT

If you’re reading this, you probably have a tax preparation business. That means you’re pretty darned good with numbers, so here are a few  figures that might help convince you that you really need to bone up on basic business insuranc...




Employee Wellness Programs: Money Saver or Money Pit?

Tue, 21 Oct 2014 00:00:00 GMT

The premise of workplace wellness programs is sound: insuring healthy people is cheaper because they use fewer healthcare resources. That’s the rationale behind one of the more popular provisions of the Affordable Care Act. According to a fact sh...




Contain Your Workers Comp Costs: Avoid These Common Workplace Claims

Thu, 16 Oct 2014 00:00:00 GMT

Unless an employee inflicts an intentional injury like stabbing himself with a staple remover to get out of work or falls down the elevator shaft because she is falling down drunk, workers compensation is essentially a no-fault system. You, howeve...




Your Small Business and the Obamacare Employer Shared Responsibility Payment

Tue, 14 Oct 2014 00:00:00 GMT

Another year of the Affordable Care Act (ACA) is almost behind us. Another year of new provisions are about to kick in, along with some delays in previously mandated deadlines. One of those delays is the Employer Shared Responsibility Payment, or emplo...




Small Business Insurance Basics for Pet Groomers

Thu, 09 Oct 2014 00:00:00 GMT

Having the right insurance and the right amount of coverage is a fundamental necessity for any business, large or small. That’s especially true when your line of work involves teeth and claws. If you own a pet grooming or mobile pet grooming...




Save Money on Healthcare: Do Your RX Homework

Tue, 07 Oct 2014 00:00:00 GMT

The news has been full of rosy reports recently telling us that healthcare spending growth is at a record low. Maybe, but that happy stat belies the fact that the actual cost of healthcare keeps going up and up. Business owners, who are struggling to c...




Small Business Insurance Basics for Professional Photographers

Thu, 02 Oct 2014 00:00:00 GMT

You may have become a photographer because you’re creative and artistic. Now that you are a photographer, you also need to think like a professional and protect your growing business. Here’s what you need to know about your exposure to...




Will Your Lose Your Employer-Provided Health Insurance in 2015?

Tue, 23 Sep 2014 00:00:00 GMT

In July 2014, the Galen Institute reported that there have been over 42 significant changes made to the Affordable Care Act (ObamaCare) since it became law in 2010; at least 24 of them were made unilaterally by Mr. Obama himself.[1] If you’re amo...




Is Your Small Business Protected from ADA Lawsuits?

Thu, 11 Sep 2014 00:00:00 GMT

There are many legitimately disabled people living in the United States. The Americans with Disabilities Act (ADA) was created in 1990 to protect them from discrimination in the workplace, public services, public accommodations and telecommunication.[1...




Protect Your Small Business from Employee Retaliation Lawsuits

Thu, 04 Sep 2014 00:00:00 GMT

As if you don’t have enough to worry about trying to keep your small business in business, lawsuits filed by employees charging retaliation continue to increase. According to the U.S. Equal Employment Opportunity Commission (EEOC) in 2013, &...




Seven Essential Insurance Policies for Small Non-Profits

Thu, 21 Aug 2014 00:00:00 GMT

As of 2011, 501(c )(3)s made up the majority of tax-exempt organizations. The IRS listed nearly 1.1 million of them. This number did not include the countless non-profit organizations with incomes under $25,000 who are not required to file a Form 990 w...




Surviving an Errors and Omissions Lawsuit

Wed, 13 Aug 2014 00:00:00 GMT

If you own a small business or professional practice, three cheers for you! You are the engine that drives the job growth in our country. According to the U.S. Chamber of Commerce, you generated 64 percent of the net new jobs over the past 15 years, de...




Essential Liability Insurance for Graphic Designers

Thu, 24 Jul 2014 00:00:00 GMT

Time is money when you work for yourself, so let’s get right to the point and you can get back to earning a living. There are three really good reasons why you need some basic small business insurance coverage: We live in a litigious soci...




Small Business Health Insurance and the ACA Tax Credit

Tue, 08 Jul 2014 00:00:00 GMT

As with all things related to health insurance these days, it’s good news/bad news if you’re the owner of a small business with 25 or fewer employees and you want to provide for their group health insurance. First the good news.  ...




How Secure Is Your Small Business Data?

Thu, 12 Jun 2014 00:00:00 GMT

  It’s boom times for hackers. Earlier this year, the bug Heartbleed exploited flaws in Open SSL, the cryptographic tool used to provide security and privacy for apps like email, IM and some VPNs.[1] Target was rocke...




Lawyer’s Professional Liability Insurance Avoids the Sue-Me-Sue-You Blues

Thu, 22 May 2014 00:00:00 GMT

Lawyer’s Professional Liability Insurance Provides Vital Protection from the Hazards of Practicing Law

In a complex legal case, your law firm hires a contract attorney to take some of the workload off your shou...




Small Business Tax Deductions Include Insurance

Thu, 03 Apr 2014 00:00:00 GMT

The tax man cometh, and for those of us in small business, he cometh a lot. If you thought you took a hit in 2013, wait until you see what’s in store in 2014! The top rate will jump from 35% to 39.6%. Although most people won’t take that bi...




Does Insurance Cover Tornado Damage? Be Aware of Regional Limits to Tornado Insurance Coverage

Thu, 27 Mar 2014 00:00:00 GMT

Does insurance cover tornado damage? Good question! Imagine coming home from work to find your entire neighborhood, not just your home, completely obliterated. That’s what happened to thousands of homeowners in Moore, Oklahoma, on...




Cosmetology Insurance for Salon Owners Covers the Unexpected

Thu, 13 Feb 2014 00:00:00 GMT

Cosmetology Insurance Keeps Your Salon’s Prospects Bright and Beautiful  One of your customers slips on a shampoo spill and breaks her leg. Or what if your celebrity client’s hair falls out after a new treatment and she su...




Is Your Fitness Business Protected?

Thu, 06 Feb 2014 00:00:00 GMT

Let Professional and General Liability Insurance help your business stay fit For most people a new year means a renewed commitment to getting fit.  But as the owner of a fitness business you’ve got that goal covered 365 days a year &ndas...




Why do business owners get insurance with a 1/1 effective date?

Thu, 23 Jan 2014 00:00:00 GMT

January 1st is a popular date, marking the start of a new year and all the potential that carries with it.  For small business owners, 1/1 is also a top-pick effective date for professional and general liability insurance po...




What Kind of Insurance Do Real Estate Agents Need?

Thu, 12 Dec 2013 00:00:00 GMT

3 Types of Business Insurance Every Real Estate Agent Should Consider By the very nature of your business as a real estate professional, you are subject to any number of potential lawsuits and claims as a result of carrying out your duties.&nb...




Do I Need Professional Liability Insurance as a Small Business Owner?

Thu, 07 Nov 2013 00:00:00 GMT

3 reasons why small business owners need professional liability coverage to protect their businesses  

Professional liability insurance, also known as errors and omissions insurance or E&O, protects your business if you ar...




Small Business Health Insurance and The Affordable Care Act

Tue, 16 Jul 2013 00:00:00 GMT

Health Insurance Business | What Is in Store for Small Businesses?   The Affordable Care Act of 2010 has already changed the health insurance industry in many ways, but many of the Act's major reforms will not take effect until January 1,...




Predictive Modeling and Your Insurance Premiums

Wed, 20 Jun 2012 00:00:00 GMT

Predictive modeling is a analytic process that uses data mined from a variety of sources to create a statistical model of future behavior. Increasingly, it’s being used in the insurance industry to decide what to charge you for almost every kind...




Media Liability Insurance

Fri, 24 Feb 2012 00:00:00 GMT

Sticks and stones can break your bones, but a libel suit could leave you bankrupt. If you’re one of the many individuals and small businesses engaging in online publishing via websites, blogs, Facebook and Twitter, it’s important to underst...




Why Buy Cyber Crime Insurance

Wed, 15 Feb 2012 00:00:00 GMT

The specialty lines division of Liberty Mutual Insurance recently announced that it will offer three new
cyber liability products, making it the latest insurance company to get into the cyber liability coverage business. Cyber liability insurance...




What Does an Insurance Agent Do?

Wed, 08 Feb 2012 00:00:00 GMT

Shopping for insurance quotes and buying insurance online is so simple, you might wonder why you would ever need an insurance agent. After all, when you shop for insurance online, you can compare lots of policies quickly in your PJs at 2 a.m. We’...




Don’t Let Holiday Identity Theft Ruin Your Insurance Score

Mon, 28 Nov 2011 00:00:00 GMT

You know you have a credit score, but did you know you have an insurance score, too? Or that bad credit can affect what you’re charged for various insurance products including car insurance, homeowners insurance and even health insurance? During...




Organize Your Insurance Policies and Your Life with Online File Storage

Mon, 20 Jun 2011 00:00:00 GMT

Spring was a little late in coming to many parts of the country this year. When it did show up, it often wreaked havoc. So if you haven’t done your spring cleaning yet, you get a pass and a second chance to
get organized.  Start wit...




Store and Access Insurance Policies in an Online Safe Deposit Box

Wed, 15 Jun 2011 00:00:00 GMT

Good for you! You  applied for competitive health insurance quotes and car insurance quotes at www.einsurance.com. You secured a health insurance policy and auto insurance policy that fit your needs and budget. You patted yourself on the back...




New ADAAA Regulations and Small Business EPLI, Part Two

Mon, 16 May 2011 00:00:00 GMT

Is your business prepared to comply with changes to the American Disabilities Act Amendment Act (ADAAA) that go into effect next week? The new, broader definition of disability increases the chances you can be sued for discrimination by employees, form...




Premises Liability Insurance Basics for Small Business

Thu, 12 May 2011 00:00:00 GMT

Premises liability lawsuits are on the rise and no business is immune. The most common lawsuits involve “slip and fall” accidents. The most common cause is spilled liquids or other materials that fall on the floor where someone can trip ove...




What’s the Difference Between Workers Compensation and Employee Disability Insurance?

Thu, 05 May 2011 00:00:00 GMT

It’s a good questions and a lot of people, including many small employers, don’t know the answer. In this case, not only is ignorance not bliss, it could cost you a bundle if an employee is injured on the job and you don’t have worker...




Stay in Business When Disaster Strikes with Contingent Business Insurance

Mon, 11 Apr 2011 00:00:00 GMT

Many manufacturers in the United States are beginning to feel the pinch of supply shortages resulting from the Japanese earthquake, tsunami and nuclear crisis. Not surprising in our global economy, when a disaster happens half way round the world, ther...




How to Shop for Small Business Insurance

Fri, 08 Apr 2011 00:00:00 GMT

Cost-cutting has become a national passion, and it’s tempting if you’re a small business person, especially a sole proprietor, to skimp on expenses, like business insurance coverage. But doing so could end up costing you a lot more than you...




Small Business Insurance Basics for Start-Ups

Thu, 07 Apr 2011 00:00:00 GMT

There are more than 7 million small businesses in the United States. Although the federal government defines a small business as any concern with fewer than 500 employees, most are far smaller. According to Small Business Administration data, abou...




Does Your Product Liability Insurance Cover Social Media Risks?

Mon, 21 Mar 2011 00:00:00 GMT

Social media platforms like Facebook and Twitter are excellent ways to share information about your product and create a following of fans and brand evangelists. But they can also expose your small business to legal and regulatory risks. Your existing...




Does Your Employers Practice Liability Insurance Cover Social Media Risks?

Thu, 17 Mar 2011 00:00:00 GMT

Businesses large and small are using social media tools for communication, marketing and even recruiting. Many are doing so without understanding the liability risk they run. In addition to professional liability exposure, you could be exposing yo...




Does Your Professional Liability Insurance Cover Social Media Risks?

Wed, 16 Mar 2011 00:00:00 GMT

Do you use social media platforms like Facebook, Twitter and LinkedIn for your business? You’re not alone. Businesses of all sizes have adopted social media for a variety of uses. A study conducted in 2010 by Burson-Marsteller of the 100 largest...




How to Save on Workers Compensation for Small Business, Part III

Fri, 18 Feb 2011 00:00:00 GMT

As a small business owner, you know that keeping the doors open often involves finding ways to cut the cost of business without cutting the quality of your product or service. Employee benefits can be a tempting target, but resist the urge to scrimp or...




Are Insurance Benefits Taxable?

Mon, 14 Feb 2011 00:00:00 GMT

Tick. Tick. Tick. April 15 is coming. About 1% of the population is audited every year, but in an effort to bolster revenues, the IRS is reportedly ramping up their scrutiny. One of the red flags is unreported income. Is the inheritance you got from yo...




Are Insurance Settlements Taxable Income?

Mon, 14 Feb 2011 00:00:00 GMT

Uncle Sam wants you to declare every single penny of taxable income. Failure to do so may result in an audit (which makes root canal without anesthesiology seem like a picnic) and hefty fines. But what exactly is taxable income? The courts have defined...




How to Save on Workers Compensation Insurance for Small Business, Part I

Mon, 14 Feb 2011 00:00:00 GMT

If you have at least one employee, every state in America except Texas requires that you carry worker’s compensation insurance. Like many other necessary business expenses, the cost for workers compensation insurance for small business are increa...




How to Save on Workers Compensation Insurance for Small Business, Part II

Mon, 14 Feb 2011 00:00:00 GMT

When calculating premiums for workers compensations insurance quotes for your small business, underwriters take into consideration your company’s experience modification rate (EMR). This compares your company’s annual losses in insurance cl...




How to Maximize Your Insurance Tax Deductions for 2010

Mon, 24 Jan 2011 00:00:00 GMT

The tax man cometh and he’s headed for your wallet. Itemize your tax return and take full advantage of all legitimate income tax deductions that you’re entitled to in 2010, including insurance deductions. Deductions help lower your gross ta...




Key Man Life Insurance and Tax Deductions

Mon, 24 Jan 2011 00:00:00 GMT

The recent news about the health of Apple, Inc.’s visionary founder and CEO Steve Jobs should be food for considerable thought for even the smallest company. Apple no doubt has well-crafted plans in place to protect the company’s value in a...




Small Business Insurance Tax Deductions for 2010

Mon, 24 Jan 2011 00:00:00 GMT

It’s the least happiest time of the year, also known as tax season. For a small business, it can be a giant pain in pocketbook. As a small business owner, you can lessen that pain by seeking out every legitimate tax deduction and tax credit. Your...




Jewelers Block Insurance for Small Retailers

Wed, 05 Jan 2011 00:00:00 GMT

Planning to parlay those five golden rings from your true love into a neighborhood jewelry store? With the price of gold and other precious metals pushing into record territory, we applaud your entrepreneurial spirit. We also suggest that you get Jewel...




Musical Instrument Insurance Floaters

Mon, 03 Jan 2011 00:00:00 GMT

Maybe you didn’t get 11 pipers piping or 10 drummers drumming but if your true love brought you a new musical instrument of any sort for the holidays, make musical instrument insurance a top priority in the new year. Then, if a lord happens to le...




Product Recall Insurance & Inland Moving Cargo Coverage for Business

Sat, 01 Jan 2011 00:00:00 GMT

It’s a new year, so let’s indulge in a bit of forecasting. Let’s say those two calling birds your true love sent you on the second day of Christmas took to each other and began producing little calling birds. You see an opportunity to...




Does the Charitable Board You Sit on Have D&O Coverage?

Wed, 17 Nov 2010 00:00:00 GMT

The rewards for voluntarily sitting on the board of a non-profit aren’t always positive. Anyone who sits on a charity’s board or serves as a trustee can be held personally liable for decisions made by the organization. It doesn’t...




How to Shop for Commercial Fleet Insurance

Tue, 16 Nov 2010 00:00:00 GMT

If you’re like every other small business owner in today’s economy, you’re scrambling around for ways to save money. Consider commercial fleet insurance. As you’re reviewing your business insurance coverage(always a good plan at...




Long-Term Disability Insurance: Essential Coverage for Singles

Tue, 16 Nov 2010 00:00:00 GMT

About 48% of all adult Americans are legally single. If you’re one of them, whether by choice, divorce or because you still haven’t found Ms. or Mr. Right, not having a date for special events is the least of your concerns. Along with gainf...




Cyber Liability and Data Insurance for Businesses in the Age of Cloud Computing

Tue, 09 Nov 2010 00:00:00 GMT

Cloud computing is here and you don’t need to be a tech company to reap the benefits. It’s a boon for any business that wants access to its data from any device at any time and any place. But convenience and mobility can carry a steep price...