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Now more than ever, it's important to protect yourself, your family and your company. For many small business owners, that means carrying the best insurance possible. Whether your small business is a self-proprietorship or you have a handful of employees, if you don't currently have insurance, you're placing it all at risk. Learn all about small business insurance and related topics right here.
Figuring out what type of insurance you need doesn’t have to be cumbersome. With a little time and energy, you can determine the basic insurance products your specific business needs. After you’ve completed these steps, be sure to discuss your business operations with your insurance representative. If you’re confused about any of the... more »
Business liability insurance protects a business in the event that a client or customer files a lawsuit against it. This kind of insurance typically covers monetary damages and legal fees. more »
Business insurance is an essential and continual expense for any venture and can make up quite a sizeable chunk of its operational expenses. Lowering your insurance premiums can literally add to your bottom line. more »
Renters insurance is offered to businesses of any size that rent office or retail space. It generally covers the rental location as well as the products and materials housed within the rented location. Business renters insurance offers protection against crime, accidents and other liabilities that may happen on business property. more »
If you are a small business, the odds are that your state requires you to provide worker's compensation insurance to your employees. This is work insurance that covers any sort of job-related injury or disability that may prevent them from working. The cost of this insurance varies based on the risk involved in your business' line of... more »
While insurance isn't always required in order to run a business, you should consider getting...
Although large corporations hire professional accounting firms, most small business owners...
Operating a business, regardless of its size, is a major undertaking. You have to keep customers...
Whether you work in human resources at a large corporation or own a small business, your...
Small businesses are in a unique position due to their size. Issues such as lawsuits or natural disasters can affect small businesses in a more... more »
Small business insurance provides those who own and operate small companies with the peace of mind to know that they'll have access to the funding... more »
A building insurance surveying service (BISS) can be expensive, and having a company appraise the level of damage done to your property can be an... more »
Small businesses and entrepreneurs often have a small set up with big ideas. With few employees and limited assets, buying all types of business... more »
Small businesses are prone to several risks such as threat of competition, market penetration and workforce reduction. Many small businesses close... more »
Dave Donovan is a freelance writer in New Jersey. He's owned his...more
Dave Donovan is a freelance writer in New Jersey. He's owned his own copywriting business for over five years and his how-to articles have been featured in two nationally published books. An expert in SEO content, marketing and promotional copy and running a sustainable small business, it's his goal to help others follow their dream of being their own boss. | hide
Beware of Fraudulent Email Concerning "Failed Banks" on 11/23/2009
On October 27, the FDIC (Federal Deposit Insurance Corp.) issued a warning to small business... more
On October 27, the FDIC (Federal Deposit Insurance Corp.) issued a warning to small business owners regarding a fraudulent email that has been making its way around inboxes. The unsolicited email contains “Check your Bank Deposit Insurance Coverage.” in the subject line.
The email goes on to say, “You have received this message because you are a holder of a FDIC-insured bank account. Recently the FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets.”
The FDIC does shut down financial institutions from time to time, and this email is being spammed in an effort to gain information from small business owners. For a list of banks that have been closed by the FDIC due to failure, visit www.FDIC.gov.
hideObama to U.S. Banks, "Where's the Love?" on 11/23/2009
On October 24, President Obama urged America's banks, especially those that were assisted... more
On October 24, President Obama urged America's banks, especially those that were assisted by the taxpayer bailout, to start opening up their wallets for the nation's small businesses. The need for loosening the purse strings is critical, as the President once again stressed the importance of small businesses in the American economic structure.
President Obama stated that small business is the backbone of America, and that these very same businesses have accounted for two-thirds of the job growth in the United Stated over the last 15 years. Now, they can barely get the credit they need to survive.
"Over the past couple of years, small businesses have lost hundreds of thousands of jobs," he said. "Many have struggled to get the loans they need to finance their inventories and make payroll. Many entrepreneurs cannot get financing to start a small business in the first place."
Just last week, President Obama called on Congress to increase the maximum size of government loans to small businesses and to make more credit available to small community banks.
hideSmall Business and Healthcare Reform on 11/23/2009
In his weekly radio address, President Obama stated that unless his healthcare reform plan is... more
In his weekly radio address, President Obama stated that unless his healthcare reform plan is approved, small businesses could see their health insurance costs increase by at least six percent next year and more than double what they're paying now over the course of the decade. He also stated that as it now stands, small businesses are already paying up to 18 percent more than their larger competitors for employee health coverage. Under his proposed plan, small businesses will not be required to offer health insurance for their employees, but those that do will receive incentive-based tax credits.
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