Wednesday, December 28, 2016

Why IBS?



Because it's the only place you can get the knowledge to take your business from zero to success. Hear how Trent's company went from $0 to $20 million.

Thursday, December 22, 2016

Homemade Eggnog: Holiday Recipe



I wanted to share one of our family’s favorite holiday recipes with you today for homemade eggnog. There’s nothing quite like homemade! Check out my blog (link below) for the recipe. Let me know if you make this. I’d love to hear what you & your loved ones think. Thanks for watching ☺

Friday, December 16, 2016

Fire Prevention



Elaine Nashashibi had just minutes to get out of their house when the smoke detector went off. Today she says smoke detectors are absolutely essential and should be checked regularly to be sure they are in good working order. Fire education expert Mary Marchone says the more smoke detectors you have in your home the more likely you will be able to escape a fire. According to the U.S. Fire Administration is that people are not taking proper care of battery operated smoke detectors which means many people think they are protected when they are not. The biggest mistake occurs when a homeowner removes a dead battery then fails to replace it for days, weeks or months.

Tuesday, December 13, 2016

Saturday, December 10, 2016

Pay Attention To Affordable Care Act Marketplace Notices



Business owners: You may have recently received a notice from the Health Insurance Marketplace Exchanges notifying you that one or more of your employees is eligible for governmental subsidies under the ACA Marketplace. Don’t ignore notices as you’ll want to correct any misinformation as a defense to potential penalties that may be assessed by the IRS under the Affordable Care Act’s employer shared responsibility, or ESR rules. These rules became effective in 2015. NFIB's Beth Milito explains more in this video. More info: NFIB.com/healthcare

Wednesday, December 7, 2016

Sunday, December 4, 2016

Are You In Compliance With A New Blacklisting Rule?



The US Department of Labor and the Federal Acquisition Regulatory Council have issued the Fair Pay and Safe Workplaces final rule. This "blacklisting rule" requires covered federal government contractors and subcontractors to disclose labor law compliance history for a three-year look-back period. Learn more from NFIB's Beth Milito. More legal info: NFIB.com/Legal

Thursday, December 1, 2016

Monday, November 28, 2016

Contractor Insurance And The Future


The internet has undoubtedly changed the world. It dictates the way people work, it is now where people meet, greet and speak to each other, and very importantly has brought all of the world's marketplaces into one easy and accessible hub. Anyone can now go online and sift through masses of commercial markets, viewing products of any size and description, from pretty much anywhere on the globe. With cars, homes and even your groceries available to buy on the internet with relative ease, the shopping run is on the way out, and the concept of the online shop is at an all-time high.

Most people in this day and age turn to their laptops whenever they need to purchase something, the internet being not only far easier than travelling into town or nipping to the supermarket, but often cheaper deals and better quality products can be found online. When discussing products that have no actual physical entity, the internet yet again proves to be the best place for them. No I am not talking about the gift of love, of magic or even the gift of laughter (which admittedly, can be found online); I am actually talking about insurance.

Despite not being the most typically popular of purchases, insurance is a product that has been aided massively as a result of online shopping, and is something that has flourished and advanced because of it. Concerning contractors, insurance is a very important business commodity, and although once relatively hard to get a hold of, is now highly accessible and easy to browse and purchase thanks to the powers of the internet. Contractors are professional individuals who work for their own limited companies, and are hired because of their certain expertise by firms on contract bases. Because contractors are limited company owners, the need for contractor insurance is especially high, and the introduction of easy to navigate contractor insurance shops is especially effective.

Websites such as Amazon and EBay have mastered the online shopping market down to a T, giving the potential customer a number of options to browse and a point and click navigation system that makes 'dragging to basket' a thoroughly exciting concept. Thankfully for contractors, the same shopping model has been applied to insurance shops, with attractive interfaces combining the perks of mainstream shopping sites with the use of contractor insurance. With bundling abilities, recommended products and of course the nifty 'drag to basket' formula, purchasing contractor insurance has never been easier, or indeed more enjoyable (ish).

The internet has totally remodelled and revamped the contractor insurance market, and with technology moving forward to fast, the future of insurance buying will be undoubtedly bright. Insurance is obviously rather complicated when taking into consideration the risk factors and premium calculations that make up buying a policy, and this is why internet shopping has been so helpful for an otherwise complex market.



Article Source: http://EzineArticles.com/7426358

Friday, November 25, 2016

The i's On Insurance: Life Insurance



Life insurance is a vital part of your family’s financial stability and well-being. But if you’re like most people, you probably have questions about what types and amounts of life insurance are best for your needs. Spend a few moments to see why planning for your family’s future isn’t just about money; it’s about life.

Saturday, November 19, 2016

Earthquakes



This is an earthquake of at least 5.5! At the mid-America earthquake center you can see what would happen if the ground beneath you started to shake! You might be surprised that so many things inside the home can be destroyed, even kill you, even though the structure of the home stays intact. "The risk of an earthquake is real" says Jeanne Salvatore, senior vice president, Insurance Information Institute. Earthquakes are not covered by homeowners insurance, you need separate insurance to cover earthquakes. The Institute for Business and Home Safety says there are easy and inexpensive steps you can take inside your home to make it safer. Anchor bookcases and filing cabinets to the wall. Install ledge barriers on shelves. Put heavy things lower. Harvy Ryland, President of the Institute for Business and Home Safety (www.ibhs.org) says earthquakes injure and kill people, destroy their homes and steal their jobs. The tragedy is that we know how to reduce injuries to families and their homes, and we are not doing it.

Sunday, November 13, 2016

The Fire Fighter of the Future



The loss of civilian and first responder lives, property and economic stability can be significantly reduced by exploiting new smart firefighting opportunities. New technology, including cyber-physical systems, innovative building controls, intuitive fire-fighting equipment, and smart apparatus are revolutionizing emergency response. Learn more about collecting data from global sensors, processing the information centrally and utilizing the results locally. Smart firefighting can help save lives and decrease injuries, improve firefighter occupational health and safety, and enhance operational, fire prevention and protection efficiency.

The Fire Fighter of the Future presentation, by Casey Grant of the Fire Protection Research Foundation, will be live-streamed from NFPA’s Responder Forum. The forum brings together representatives from 13 key fire organizations, subject matter experts, industry leaders, and NFPA staff to address emerging issues.

Thursday, November 10, 2016

Finding a Lost Life Insurance Policy



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Monday, November 7, 2016

Chicken Parm Lasagna



Here is what you'll need!

Chicken Parm Lasagna
Serves 10

INGREDIENTS
3 chicken breasts
2 cups Italian bread crumbs
5 eggs
1 cup flour
24 ounces marinara sauce
15 ounces ricotta
8 lasagna noodles
2 cups mozzarella
2 cups parmesan
Vegetable oil
Basil

PREPARATION
Preheat oven to 350°F/180°C.
Cut chicken breasts in half widthwise (pound thin if necessary) and season with salt and pepper.
Coat the chicken in flour, egg, and finally in bread crumbs.
Heat oil in a cast iron skillet and fry the chicken on both sides until brown (about 4 minutes each side). Set aside.
In a bowl, whisk one egg into the ricotta, then set aside.
In a casserole dish, spread ⅓ of the jar of marinara on the bottom, top with lasagna noodle overlapping with each noodle.
Spread half of the ricotta mixture on top of the noodles and layer with chicken.
Top the chicken with ½ cup of mozzarella and a ½ cup of parmesan.
Continue layering in the same order and top with remaining cheeses.
Cover with foil and bake for 45-60 minutes uncovering the lasagna for the last 10 minutes of baking.
Sprinkle with fresh basil and enjoy!

Friday, November 4, 2016

About Contractors' General Liability Insurance



Contractors' general liability insurance varies depending on the level of jobs that you do

Tuesday, November 1, 2016

Cut Out of the Election



Small business owners make up a huge portion of the country. It’s curious then that the presidential candidates have been ignoring their greatest concerns.

Wednesday, October 26, 2016

California Blitz- Hayward Highlights



Video highlights from CSLB's undercover sting operation in Hayward, CA.

The Contractors State License Board (CSLB) is warning California consumers to do their homework before hiring anyone for improvement projects in and around their home. The warning comes after CSLB conducted a series of simultaneous undercover sting operations and construction site sweeps over the past week across the state, resulting in the arrests of 73 suspected unlicensed contractors, and the opening of 20 administrative and potential legal cases.

Sunday, October 23, 2016

Personal Stories: Hoda - Staying on Top of Insurance Paperwork



Joy Hoda emphasizes how important it is to stay on top of your insurance paperwork, and to be fully prepared.

Thursday, October 20, 2016

Demo By Fire Sprinkler Coalition Showcases Home Fire's Rapid Spread



Members of the South Dakota Fire Sprinkler Coalition hosted a live burn/fire sprinkler demonstration at the Central States Fair in Rapid City in 2016. The demonstration proved what research has confirmed: today's furnishings and modern building materials are made differently and burn faster than its older counterparts.

Monday, October 17, 2016

Friday, October 14, 2016

Disaster Planning With Pets



It's an all too common tragedy, beloved pets lost or abandoned in the wake of a disaster. The Insurance Information Institute says there are steps you can take now to protect yourself, your loved ones AND your pets. To learn more about disasters and insurance, check out the Insurance Information Institute at http://www.iii.org

Tuesday, October 11, 2016

Annual Insurance Check Up



Dr. Hartwig of the Insurance Information Institute (http://www.iii.org) explains the importance of conducting an annual insurance check up to make sure you have the right kind of insurance and enough insurance to cover all your property and assets. Your policy should cover you for enough money to completely rebuild your home in case of a disaster. Homeowners should also consider getting supplemental coverages for flood and earthquake.

Wednesday, October 5, 2016

Water Damage: Test Your Water IQ



Water can damage your home in many ways. Do you know what is covered and what isn't? This video explains the different types of coverage from burst pipes to torrential floods. Spokespersons: Jeanne M. Salvatore, Insurance Information Institute; Ed Connor, National Flood Insurance Program.

Sunday, October 2, 2016

Advice from Dummies: Smart Auto Insurance Tips



Kirk has an auto accident and Crystal tells him how to smartly save money on his insurance in the future.

Thursday, September 29, 2016

Insuring Expensive Items in Your Home



Dr. Hartwig of the Insurance Information Institute (http://www.iii.org) explains how to properly insure all of your possessions. While a standard homeowners policy covers you for most things in your home, luxury goods such as fine jewelry and furs, antiques, artwork, and other expensive items need special policies. To insure these types of items, contact your insurance agent and get an umbrella policy for them.

Monday, September 26, 2016

Is an Annuity Right for You?



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Friday, September 23, 2016

The i's on Insurance: Auto Coverage: You're in the Driver's Seat



Car Insurance is something every driver needs, but how much do you really know about your auto coverage? '

Tune in to "Auto Coverage: You're in the Driver's Seat to know more about the different types of automobile insurance, get helpful tips on responsible driving and even learn how to reduce your auto rates by getting the right coverage for your needs.

Tuesday, September 20, 2016

What Kind Of Cook Are You In The Kitchen?



The Campus Fire Safety “What Kind of Cook Are You in the Kitchen?” Quiz & Sweepstakes helps raise awareness among college-aged students who live in on- and off-campus housing about the dangers of cooking fires. Through this interactive quiz, recognize unsafe practices and learn appropriate ways to cook meals that will reduce the risk for injury and damage caused by fire.

Saturday, September 17, 2016

Wednesday, September 14, 2016

Protect What You Value Most: Ask For Home Fire Sprinklers



NFPA's Fire Sprinkler Initiative and the Home Fire Sprinkler Coalition have produced this whiteboard video underscoring the enormity of North America's home fire problem and necessity of home fire sprinklers in eliminating fire deaths and injuries at home.

You have the power to protect what you value most. When building a new home, ask for home fire sprinklers.

For more information, visit http://www.FireSprinklerInitiative.org.

Saturday, September 10, 2016

Congress Back From Vacay & NFIB Is There | NFIB’s Week In Small Business



This week (9.9.2016) in small business, Congress is back after a 7-week recess, and lawmakers are facing a busy September before they head to the campaign trail in October. Congress must pass a short-term spending bill before October 1 to keep the government running. They did find time to hear NFIB Florida member Walter Carpenter testify before the House Ways and Means Committee, providing an employer’s perspective on the unemployment insurance system. Lastly, NFIB's August Jobs Report says job creation among small firms was negative for the third month in a row. Full economic report on Tuesday, September 13. NFIB.com/SBET

Thursday, September 8, 2016

Earthquakes



This is an earthquake of at least 5.5! At the mid-America earthquake center you can see what would happen if the ground beneath you started to shake! You might be surprised that so many things inside the home can be destroyed, even kill you, even though the structure of the home stays intact. "The risk of an earthquake is real" says Jeanne Salvatore, senior vice president, Insurance Information Institute. Earthquakes are not covered by homeowners insurance, you need separate insurance to cover earthquakes. The Institute for Business and Home Safety says there are easy and inexpensive steps you can take inside your home to make it safer. Anchor bookcases and filing cabinets to the wall. Install ledge barriers on shelves. Put heavy things lower. Harvy Ryland, President of the Institute for Business and Home Safety (www.ibhs.org) says earthquakes injure and kill people, destroy their homes and steal their jobs. The tragedy is that we know how to reduce injuries to families and their homes, and we are not doing it.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Monday, September 5, 2016

Labor Day Party Ideas



Ideas for outdoor summer parties. Plus, recipes using fruits and herbs from your garden.

Friday, September 2, 2016

Small Business Owners Are Drowning in Regulations



Unprecedented regulatory burdens are not only crushing small business—they’re hurting the entire country.

Tuesday, August 30, 2016

Insurance Information : How Does Liability Insurance Work?



Liability insurance is used to pay for damages in the event that a third party is damaged on the policy holder's property or due to the policy holder's negligence. Avoid a large lawsuit with liability insurance using tips from an insurance agent in this free video on insurance.

Saturday, August 27, 2016

Contractors Insurance Protects Your Business


General contractors call the shots in most construction projects, taking the lead in all important operations including coordinating subcontractors, supervising job sites, and many other responsibilities to ensure projects stay on time and within budget. The many risks involved with leading these projects makes contractors insurance essential to protect the business against losses that may result from a lawsuit.

One of the common misconceptions of contractors insurance is that it only applies to general contractors. But subcontractors such as carpenters, roofers, landscapers, masons, electricians, plumbers, and other trades are all liable as well. Since they are often involved in complex business relationships, contractors need to be able to rely on an insurance company that has their best interests in mind.

Most contractors understand the common risks of construction projects, such as injury to subcontractors, not being paid on time, not adhering to timeframe agreements, and other risks that should be considered when drafting the general construction agreement. A contractor's insurance policy may include provisions for issues such as negligence and workplace safety.

Speaking of contracts, all contractors should carefully read every contract and even ask their attorney to review the agreement before they sign on the dotted line. Depending on the size and length of the project, certain clauses can hold hidden fees and liabilities for which the contractor is unclear. This oversight can ultimately result in a situation that isn't covered by contractors insurance and therefore becomes out-of-pocket costs that can seriously damage a business.

Whether you're a contractor or subcontractor researching business insurance, coverage typically involves general liability, commercial automobiles, workers compensation, builder's risk, tools and equipment, bonds commercial umbrella, and employee benefits.

Remember to keep the following risks in mind when you speak with your contractors insurance company:

• Defective products: As a general contractor, you're responsible for all of the work performed by your subcontractors. So, what if, for example, your electrical subcontractor installs a kitchen light that catches fire and burns part of the ceiling? The manufacturer is ultimately responsible, but both you and the electrician will also likely be included in a costly lawsuit.

• Construction contracts: Everyone enters into a contract with the best intentions. But when things go wrong, fingers start pointing. As a contractor, you should make sure that the contract is reviewed by a lawyer to make sure your business has the right insurance for each and every job.

• Litigation costs: Whether you're a sole proprietor performing general remodeling, a specialty tradesman or anyone in between, you need to protect yourself from litigation by having a policy with an insurance company that has your best interests in mind.



Article Source: http://EzineArticles.com/7204077

Wednesday, August 24, 2016

Sunday, August 21, 2016

School Bus Safety



It's a day most parents can never forget, the day their child gets on the school bus for their first day of kindergarten. Carl Baskerville, Principal, Rosemont Elementary School in Montgomery County, Maryland says its tough for parents because it symbolizes the letting go, for the first time the children are out on their own, making their own decisions. The Insurance Information Institute says parents should teach their children these safety rules: Get to the bus stop 5 minutes early, stand on the same side of the street as the door and stand 6 feet from the door. Dr. Ricardo Martinez, Administrator, National Highway Traffic Safety Administration says there is a blind spot all around the bus, and unfortunately children think that if they can see the school bus, that the bus driver can see them.

Thursday, August 18, 2016

Annual Insurance Check Up



Dr. Hartwig of the Insurance Information Institute (http://www.iii.org) explains the importance of conducting an annual insurance check up to make sure you have the right kind of insurance and enough insurance to cover all your property and assets. Your policy should cover you for enough money to completely rebuild your home in case of a disaster. Homeowners should also consider getting supplemental coverages for flood and earthquake.

Monday, August 15, 2016

Five Ways to Save Money on Auto Insurance



A simple guide to help you save money on insurance in easy ways.

This video is from the Insurance Information Institute.

Friday, August 12, 2016

Join the Fight Against the Overtime Rule | NFIB



On December 1, 2016, small business will face yet another troubling regulation: the overtime rule. NFIB is asking members of Congress for relief this rule. Join us: NFIB.com/overtime

Tuesday, August 9, 2016

Saturday, August 6, 2016

Informed Citizen: Renters Insurance



The premier episode of the Informed Citizen series! Justin explains the important of renters insurance and how it can save you lots of money and headache.

Wednesday, August 3, 2016

The i's on Insurance: The Claim Game: Homeowners



The I's on Insurance: The Claim Game, Homeowners," from the Insurance Information Institute (http://www.iii.org), opens the door to a whole new understanding of the claim-filing process. From understanding your policy documents to which records you should to keep to working with your Insurance Professionals, this short video is a helpful introduction that will take some of the stress out of filing a claim in the event that your house is damaged or burglarized.

As a homeowner, you know to expect the unexpected to happen. And when it does, knowing what to do when you file a homeowners insurance claim will help you get the best value from your coverage.

Sunday, July 31, 2016

What Is Contractor Insurance?


To those unaware of the ins and outs of professional insurance products, dangers in the workplace and of course the many legal loopholes within our busy business world, never fear, as you are certainly not alone.

In everyday life, insurance exists as a means in which individuals can protect themselves against most of life's misfortunes. This is of course, what insurance companies and money lenders tell people, and although rightly so, often falls on unwanted ears. To most of us, insurance is a word that is met with a sigh, our minds conjuring up pictures of faceless men in suits, with outstretched arms and briefcases of bad news. This is of course a natural reaction, but in reality, insurers do, and insurance does work in our best interests... In a roundabout way.

Contracting is a popular profession in the 21st century, contractors working alongside employees as if they were the same, but in reality (concerning tax, status and of course insurance) they are quite different. Contractors are not employed by the companies that are hiring them, instead they work for their own limited companies, and it is these companies that are hired by firms who require the contractor to work. This is an overtly confusing concept to those who are not directly involved in contracting, but it is a professional way of life that exists and works well.

Contracting brings with it a number of perks to the contractor, their hours are versatile and they are beneficial to a lower tax bracket than the average employee. This being said however, as technically self-employed professionals, contractors are required to take out a number of specifically designed contractor insurance policies, each tailored to the professional risks of contracting.

Contractor insurance is so important, as being self-employed sole traders; contractors are 100% liable to any mistake or misfortune that may occur within the workplace, making the financial risk a potentially huge overhead. The policies themselves that are available to contractors range from cover designed to protect professional indemnity, to accident and sickness insurance should a contractor fall ill.

What makes contractor insurances unique however are its relevance to contractors and its advantages to limited company professionals. Each policy is designed to cover an eventuality that concerns contractors specifically, and each insurance cover aids contractors in different ways. Take PI insurance for example, which is a contractor policy that may not be required by an average employee. It would cover a contractor in a case of professional negligence that would result in financial loss. This would not be necessary for an employee to have for example, as their employing company would most probably have a policy similar to employer's liability that covers any employee's mistakes.

If you are a contractor, then insurance I'm afraid to say, is a necessary and advantageous commodity to have within your arsenal of professional weapons. Acting as a shield to protect your limited company assets and finances, contractor cover still remains a must-have form of protection, and its importance should never be overlooked.



Article Source: http://EzineArticles.com/7392931

Thursday, July 28, 2016

2017 NFPA Conference & Expo – Boston



NFPA Conference & Expo comes to Boston, Massachusetts June 4-7, 2017! The NFPA Conference & Expo® is the premier fire, electrical and building safety event, for bringing together thousands of professionals—from designers and contractors to inspectors, facility managers, and first responders

Monday, July 25, 2016

Small Biz Cheers Tax Reform and Labor Rule Victories



This week in small business, U.S. House Republicans released a blueprint for tax reform, containing lower rates and fewer brackets. NFIB praised this effort to promote business investment, job growth, and a stronger economy. Also this week, a U.S. District Court granted a request by NFIB to temporarily block the Department of Labor’s new union persuader rule until its constitutionality is settled. And finally, NFIB member Warren Hudak testified before the Senate HELP Committee about the difficulties of purchasing health insurance under Obamacare. NFIB.com/healthcare

Friday, July 22, 2016

Saturday, July 16, 2016

Why Contractor Insurance?


Insurance is obviously a very important commodity in life, and for the modern day professional, it is essential. Professional/Business insurance is vital in the fast paced, often high risk commercial sphere, and it takes understanding its benefits to fully appreciate its importance.

Business Insurance comes in many forms depending on circumstance and situation, and each cover policy is designed with an area of professional risk in mind.

Contractor insurance specifically is small business insurance designed for those who are classed as contractors and work from a contract to contract basis.

Contractors are skilled professionals who are not under direct employment by any company or firm and instead work via their own limited companies. Although a contractor may be working for a firm or company, they are not employees, rather hired hands on behalf of their limited companies who will have agreed to a prior working contract (6 months / a year for example).

Contractors fundamentally are self-employed and work for themselves. As well as certain benefits that come with being a one man company hired within a larger firm, the largest advantage that contractors have is that their tax bracket is far lower than that of an average employee, thus making their take home pay considerably more.

Contractors are able to earn up to 25% more than the average worker due to a much lower tax bracket. This is because contractors work for their own limited companies therefore do not fall under the typical taxed payroll of an employee. This amount of freedom does however come with downsides, as being your own boss means that you are not covered with sick pay, health benefits or welfares that large cooperate businesses offer, and that is where the benefits of contractor insurance become apparent. Contractor Insurance provides the relevant and helpful protective cover to any contractor or freelancer.

Contractors protect themselves with appropriate Contractor Insurance. It can be extremely useful if mistakes are made throughout the course of a contract, or if misfortune such as accidents or illness occurs.

Without the proper insurance, tax investigations, negligence claims, illness and much more would be an extremely costly and harsh process. Insurance for contractors is designed in a way in which a contractor is covered both for all costs and efforts should any claims occur or legal action (IR35 for example) is taken against the contractor.

As a professional, insurance is obviously important, but as contractors are practically self-employed, their high risk position makes the need for specific insurance far greater. Contractor insurances range from Professional Indemnity Insurance, a policy designed to protect a contractor in any case of claims of negligence being made against them, to full IR35 insurance, a must have policy for any secure contractor.

Not all contractor insurance policies will be necessary to all areas of expertise, but most apply across the board and provide benefits to a vast number of contracting professions.



Article Source: http://EzineArticles.com/7288219

Wednesday, July 13, 2016

NFIB’s Top 3: Turn A Good Employee Into A Great One



When managing employees, you probably focus most on your stars and on those who are struggling. But what about your employees who fall in between? Here are NFIB’s top 3 ways to turn a good employee into great one: Set the record straight; Create space; Make a plan. Watch now to learn more about these tactics. More small business resources: nfib.com/business-resources/

Sunday, July 10, 2016

Do You Have To Pay To Play Music In Your Business? | NFIB Legal Ease



Have you ever received a letter demanding a music licensing fee? A typical demand letter asks for anywhere from a few hundred to several thousand dollars for a one-year license, and small businesses in the retail, food-service, and entertainment industries are targeted often. So do you have to pay this company just to play music in your business? Watch now to get the answer. Learn more about the NFIB Small Business Legal Center: NFIB.com/Legal

Thursday, July 7, 2016

Myth Busters—Minimum Wage Edition



Misinformation swarms around minimum wage. See what common notions are actually works of fiction.

Monday, July 4, 2016

10 Things Businesses Might Not Know About California’s Paid Sick Leave Law



One year ago today, California employers had to begin providing the paid sick leave (PSL) benefit to their employees. To highlight several less-known aspects of the PSL benefit and provide practical tips to follow, the California Chamber of Commerce has released a Capitol News Report video, along with a white paper and infographic.

Friday, July 1, 2016

2017 New American Remodeled Home: Phase 2



Remodeling a home presents a unique set of challenges. See what Phil Kean Design Group discovered while remodeling The New American Remodeled Home…

Tuesday, June 28, 2016

The Basic Info Regarding Contractors Insurance



Contractor liability insurances are the monetary protection which building contractors anywhere need in the countenance of millions of diverse things which are going wrong in little or big job. This insurance protection is not only a luxury but a great necessity. As matter of fact, contractor accountability insurance is required mostly in majority of projects by the financing corporation. But whether an individual is just an ordinary cabinet installer or a major general, a contractor liability indemnity is one of the means to stop from worrying every day regarding that unavoidable accident.

Insurances for contractors are complete coverage plan intended to safeguard contractors while conducting their business. Having coverage will minimize the dangers to the business of the contractor by changing it to into his assurance company. This policy grants a security net if any untoward incident happens in the job.

The facts

Majority of contractors believe that insurance coverage is very necessary. There are diverse types of coverage accessible to increase general liability to expand the protection of the contractor. Some insurance policies contain workers compensation, surety bonds, property liability, pollution liability, railroad protective liability, builder's risk, owner's and contractor's protective liability, and products and accomplished operations coverage. It is mandatory for contractors to carry indemnity, depending on the status of the operation.

Benefits

Contractors have peace of mind if they have this insurance because they know that they are protected and they do not worry of losing their business if anything goes wrong. If something untoward occurs, the insurance company will work for them by granting coverage for lawful fees and will conduct their own comprehensive investigation. This guarantees that the claims made against the assured persons are meritorious. Purchasing insurance provides the contractors the opportunity to protect more projects because of the safeguard it grants the corporation engaging those services.

Consideration

Contractors insurances protect the company by paying for compensation to property or medical expenses for an injured worker that happened in the job site. In return, the owner or contractor pays for the premiums that transmit the accountability of paying for the claim to the insurance company. The kind of work and danger associated, and the amount of coverage applied for is considered when the insurance group grants a payment offer.

Misconception

Even if the insurance is non-compulsory, contractors might find it difficult to secure job without it. More work offers appear with the provision that contractors may guarantee his job or they will pay for the damages if something wrong occurs. Contractors were even cited for breach of contract since they were not able to generate their certificate of assurance in opportune manner.

Warning

This insurance may be extremely costly for contractors. They are urged to make some research before purchasing any insurance plans from any insurance group. They are given advices to check the rating of the carrier and ask some other contractors working in similar area which insurance company they use or suggest.



Article Source: http://EzineArticles.com/4775682

Saturday, June 25, 2016

Avoiding Insurance Mistakes: Five Tips



Five big mistakes to avoid when making decisions about your insurance. I.I.I. offers tips on how to save money and still properly protect yourself.

Wednesday, June 22, 2016

Are Unpaid Summer Interns A Good Idea? | NFIB Legal Ease



With summer here, many business owners are taking on seasonal, unpaid interns. While they can be an asset to your business, if they are not properly classified, you could land in hot water. NFIB's Legal Center will help you stay compliant with the tips in this video. NFIB.com/Legal

Thursday, June 16, 2016

CalChamber Supports Governor’s Plan to Expedite Housing Development



The California Chamber of Commerce supports language proposed by Governor Edmund G. Brown Jr. in a budget trailer proposal that allows new market-rate housing projects to be approved.

Monday, June 13, 2016

Minimum Wage Increase



(May 17, 2016) CalChamber President and CEO Allan Zaremberg opens the Capitol Summit in Sacramento with comments on the passage of SB 3 (Leno; D-San Francisco), a bill that increases California's minimum wage.

Friday, June 10, 2016

Car Breakdown Safety



Having your car break down in heavy traffic can be a nightmare, and when it happens drivers stop the car, and attempt to fix the problem on the spot. AAA's Lon Anderson says getting out of your car can be extremely dangerous, taking a minor problem and turning it into a fatal accident. The Insurance Information Institute says to get the car to a safe place before getting out, even if this means destroying the tire, the rim, or the wheel. If the car is too damaged to drive, staying inside and using a cell phone to call for help may be safer than standing outside the car, in the flow of traffic. Sgt. Greg VanLeer of the Virginia State Police says if you have flares or triangles, set those out and try to stay away from traffic as much as you can.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Tuesday, June 7, 2016

Sparky the Fire Dog® Shows How To Find Out The Age Of A Smoke Alarm



In support of this year’s Fire Prevention Week campaign, “Don’t Wait – Check the Date! Replace Smoke Alarms Every 10 Years”, Sparky the Fire Dog® reminds everyone that smoke alarms don’t last forever and need to be replaced every 10 years. He also shows how to find out the age of a smoke alarm.

To learn more about the 2016 Fire Prevention Week visit http://www.firepreventionweek.org

Saturday, June 4, 2016

A Small Biz SCOTUS Victory, Election News, & More



This week (6/3/2016) in small business, the Supreme Court delivered a unanimous ruling against the Obama Administration in a property rights case that has huge implications for small businesses. NFIB.com/Legal. In healthcare news, Obamacare premiums will spike in several of the largest states in America--more bad news for those who purchase insurance in the exchanges. NFIB.com/Healthcare. Lastly, could David French run as a potential third party candidate against Hillary Clinton and Donald Trump? Keep up at NFIB.com/Elections

Wednesday, June 1, 2016

Haz Waste Permitting Fees Budget Trailer Proposal Explained



CalChamber Policy Advocate Anthony Samson discusses a budget trailer proposal that seeks to eliminate a predictable and workable flat permitting fee option for permit applicants seeking to obtain a hazardous waste permit, at the 2016 CalChamber Capitol Summit on May 17.

Sunday, May 29, 2016

Environmental Job Killer Bills Explanation at CalChamber Capitol Summit



CalChamber Policy Advocate Anthony Samson reviews the impact of pending legislation assaulting in-state energy production (AB 1882; Williams; D-Santa Barbara) and making the hazardous waste permitting process unworkable (SB 654; de León; D-Los Angeles) at the CalChamber Capitol Summit on May 17.

Thursday, May 26, 2016

Are Small Businesses Too Lax About Cybersecurity?



Small business needs to get serious about cybersecurity—especially since most have already been victims of a cyberattack.

Monday, May 23, 2016

The i's On Insurance: [Not So Risky] Business



Being an entrepreneur makes you the boss! But along with getting to choose your own hours, location, and business plan, it also means that you're responsible for a lot of other things, like commercial business insurance. There's a lot more to business insurance than getting the lowest business insurance quotes. It means understanding your business's unique needs and the potential hazards that can threaten its success.

"The I's on Insurance: [Not So Risky] Business" instructs you on the ins and outs of small business insurance—including coverage for business disruption, theft/loss, and business liability insurance. Why not spend a couple of minutes learning about the different types of business insurance to make it easier to have a productive discussion with your business insurance agent or broker.

Friday, May 20, 2016

Small Business Prepares for New Overtime Rule | NFIB



NFIB predicts 44% of small businesses will be impacted by the Dept. of Labor’s new overtime rule. Beth Milito of the NFIB Small Business Legal Center discusses the parameters of the new rule and how it will impact small business. Learn more: NFIB.com/Overtime

Tuesday, May 17, 2016

Informed Citizen: What To Do In Case Of An Auto Accident!



The Informed Citizen explains what to do if you're involved in an auto accident.

Learn more at the Insurance Information Institute at http://www.iii.org

Saturday, May 14, 2016

SBET, The Proposed Overtime Rule, & Election Update



This week (5.13.2016) in small business, an update on the moderate increase in April's Small Business Optimism Index (SBET). It is only the first increase in 2016. Also, more on the Department of Labor's proposed overtime rule and its negative impact on small businesses and in election news, Senator Bernie Sanders upset over Hilary Clinton in West Virginia and Nebraska state presidential primaries. For more on election news visit nfib.com/elections

Wednesday, May 11, 2016

Losing Entire Home To Fire, Family Rebuilds With Fire Sprinklers



Michelle Allyn and her daughters watched helplessly as a fire destroyed their home and most of their belongings. A key component to piecing their lives back together was rebuilding their home with a key safety feature--home fire sprinklers.

The family now promotes this technology via NFPA's Faces of Fire Campaign, which underscores the devastating reality of home fires and the power home fire sprinklers have in protecting lives.

Thursday, May 5, 2016

Cinco De Mayo Margarita Cupcakes



Sarah Carey makes Cinco De Mayo inspired Margarita Cupcakes with a tangy lime curd, this tequila infused dessert is perfect for any lively celebration, give it a try!

Monday, May 2, 2016

Understanding Contractor Insurance




Almost all companies, regardless of their size or trade, are lawfully required to carry adequate insurance policies. This is true for huge corporations or tiny enterprises, and is equally as effective for each. Covering potential eventualities is obviously what insurance itself is based on, and in the modern day business world or networking, competing and exchanging, the need for professional insurance is vast.

When discussing contractors, the aspect of insurance is often overlooked, and the importance of contractor's carrying cover is often underestimated. Many are practically unaware of what contractors actually are, some treating them as glorified employees or simply umbrella company operatives. To shed a bit of light on this however, contractors are fundamentally business owners, and because of this, contractors require small business insurance policies perhaps unknowingly by others.

Take Employer's Liability Insurance for example, a policy that is actually often required by law to be purchased by a company. Effectively, this policy covers a company against claims of injury or accident caused to any employees of that company due to a situation arising as a result of their employment. This basically means that if an employee gets hurt whilst at work because they were doing their job, the insurance would then cover the company. So, taking into consideration the fact that our nation's contractors are in fact business owners (and not simply overpaid employees) the need for a policy such as Employer's Liability Insurance suddenly becomes apparent.

Obviously contractors are not your usual business enterprise, they commonly do not have a hefty work force, they rarely work from a static office and they do not drive a van labelled 'Larry LTD'. This being said, contractors are still working through limited companies, therefore they are in fact a business, and it is this point that must be made known. Employer's Liability Insurance may seem like a pointless purchase for contractors by some, but often sole traders do in fact employ others through their companies. Take the previously mentioned and very much fictitious 'Larry LTD' as an example. This company would work as a limited company, and Larry would be hired on behalf of his company by businesses requiring his expertise. Obviously at this point, Employer's liability insurance would not be particularly necessary, but when you mention the fact that 'Larry LTD' employ's Larry's wife to oversee his finances, the situation changes (regarding mandatory insurances). Because the company now has an employee of sorts, the existence of employer's liability cover becomes essential, not only because it would cover any potential eventualities, but because companies are lawfully required to carry the policy if there are any other people working for the company.

Contractor insurance is a subject that unless working within the contracting field, is rather unknown. Although you may argue that this is as it should be, many professionals who are new to the contracting game are often stumped as to which insurances are necessary, and which they should be purchasing.



Article Source: http://EzineArticles.com/7414760

Tuesday, April 26, 2016

Does The National Labor Relations Act Apply To Your Business?



Employers in non-unionized organizations—especially small businesses—often are surprised to learn they are likely subject to the National Labor Relations Act, the federal labor law that is enforced by the National Labor Relations Board. Here, Beth Milito of the NFIB Small Business Legal Center discusses the fundamentals of compliance. NFIB.com/Legal

Saturday, April 23, 2016

Why Companies Need Contractors Liability Insurance


Regardless of if, you are a standard specialist or a sub-contractor, contractors liability insurance is one kind of insurance policy plan that you cannot afford to do company without. Not only will almost all jobs require your company to provide proof of general liability insurance before allowing it on their residence, but also ignoring to protect your resources with this wide-ranging kind of company insurance policy leaves you exposed to sometimes-catastrophic obligations if incidents or accidents happen during a job.

Contractors liability insurance policy has a number of important types of insurance coverage, that jointly guarantee witnesses, customers, sub-contractors, and employees against these types of claims:

* Marketing Harm (i.e., libel and slander)
* Individual Injury
* Physical Injury
* Items and Completed Operations
* Property Damage

In every case, the contractors liability insurance contains legal and judgment costs caused by statements being registered against the covered specialist. This generally contains the other entire person's hospital costs, earnings lost, and all suffering and pain that could have been sustained.

Examples of the Types of Claims Covered

Advertising Injury

Such a claim is protected by many contractors' general liability policies, but it's probably one of the most rare to actually be registered. Marketing injury is defined as damage continual due to another person's use of slander or libel against the complainant. If you are a specialist, one example might be a sub-contractor submitting an claim against a standard specialist on the assumption that his professional reputation and earning potential has been damaged by damaging reviews and advertising started by the normal specialist.

Individual Injury

A couple of the more-common statements made against contractors, bodily injury and accidents statements happen anytime a third celebration (e.g. a customer or bystander) is unintentionally harmed on a job website as caused by negligence on the part of the specialist. Harm statements sometimes can include psychological and psychological injury that outcome from either irresponsible or purposeful acts by the accused.

Damage to Property

The most-prevalent claim observed on job websites, residence damage statements develop from damage or loss of residence because of the covered person's activities. Such actions might be either purposeful (whereby the harmed celebration may additionally submit an accidents claim for psychological and psychological injury) or random, and are occasionally registered due to loss or accidents that happen after the specialist has already completed the project. One common illustration of this would be a plumbing technician who is charged because water pipes he installed begin dripping and causing harm to the walls and flooring near them.

Products and Finished Services

Products and completed solutions insurance policy is very critical to contractors, because it contains the statements that happen should a client considers that a job was not done properly. This might be by way of a foundation that eventually divides or a wall that breaks at some point after a job has been finished.



Article Source: http://EzineArticles.com/8580407

Wednesday, April 20, 2016

Job Creator Bill Encourages Small Business Loan Access



The Senate Appropriations Committee will soon consider a California Chamber of Commerce job creator bill that encourages creation of small businesses by expanding their access to loans.

Sunday, April 17, 2016

Hidden Hazards In Your Home



The Coalition for Consumer Health and Safety says many household injuries can be prevented. Steve Brobeck of the Consumer Federation of America says by taking some simple steps, you can protect yourself and your family from serious injuries. Falls are one of the most frequent causes of serious injury. Use double sided tape to secure loose rugs and place rubber mats in bath tubs and showers. Use step stools with hand rails, and be sure your child's crib is safe. Discard old cribs which might not meet current safety standards. The Insurance Information Institute says a few simple steps can prevent thousands of serious injuries from occurring.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Thursday, April 14, 2016

What Small Business Owners Want the Presidential Candidates to Know



Men and women from across the country talk about what Presidential candidates should know about small business. NFIB.com

Friday, April 8, 2016

The i's On Insurance: The Claim Game: Auto



Filing an auto insurance claim is never fun. But with these simple steps from the Insurance Information Institute (http://www.iii.org), you can save yourself a lot of time and trouble.

"The I's on Insurance: The Claim Game, Auto" will put you on the road to a satisfactory claim filing experience, giving you the basics on what you should know, what your policy covers and the most important information to record when you're in an accident.




"The Claim Game" will help you to get the most value from your auto insurance policy. And be sure to tune in to the other videos in "The I's on Insurance" series for helpful knowledge for drivers, homeowners/renters, and small business owners.

See Insurance Through the I's: Subscribe to our YouTube channel: iiivideo for more videos about how to be safe, secure and covered for the unexpected. You can also follow us on Twitter@iiiorg to stay plugged in to the latest information and news about your home, auto and business insurance.

Tuesday, April 5, 2016

About Commercial Truck Insurance : Commercial Insurance Tips



Commercial truck insurance is designed to protect vehicles used for business. Learn about commercial truck insurance with help from a longtime insurance professional in this free video clip.

Expert: Jared Morgan
Filmmaker: Richard Kuenneke

Series Description: Commercial insurance can be a complicated topic, so you should always seek advice and do research before settling into any type of plan or policy. Get commercial insurance tips and find out about some of the ins and outs of this particular subject with help from a longtime insurance professional in this free video series.

Saturday, April 2, 2016

How Bill Brings Home The Bacon With NFIB



Bill loves bacon. Because... well, it's bacon. And he wanted to turn that passion into a successful business. But Bill quickly learned that it can be rough out there for small businesses, with discouraging and complex regulations seemingly at every turn. Then, he joined the National Federation of Independent Business, America's leading association for small business owners who want to operate and grow a successful enterprise. With NFIB's help, Bill can get back to focusing on what he loves--his bacon.

Wednesday, March 30, 2016

We Are Working For Contractors


Welcome contractors and thank you for the opportunity to earn your business. We have made serving small to medium size businesses our first priority since opening our doors in 1997. Today, thousands of satisfied clients trust us with the coverage they need and rely on us for the service they want.
We earn our reputation by providing what you want and then going beyond to deliver the unexpected. Here’s what you get: First, you are handed your own dedicated support team made of licensed pros who really know construction coverage. Next, you get our fully-staffed certificate department at the ready. After that, anytime you need us you have the most highly-experienced group of specialty insurance people in the business. Wrapping it all up, you get a guarantee that puts in writing that you will continue to get this service all the time.
With us, you get the specialist in the field. The best. You usually expect to pay more for this level of service, but the people we serve happily report that our premiums are actually better. And, of course, no one else has the huge advantage of our experienced service and our written guarantee on top of it all.

Remember, with us it’s more than a slogan, we are Working for Contractors™.

Sunday, March 27, 2016

Why You Need Contractors Insurance


If you are a contractor in any type of field, you understand that there are certain risks that you and your client undertake when performing the necessary work to accomplish the task at hand. These risks could be solely upon either party or involve each equally. Each party involved needs to have that risk minimized so it will not interfere with their own business or even their personal lives. Contractors insurance provides this coverage to give you and your client the peace of mind that you both are seeking.

Contractors Insurance is a policy which is acquired by the contractor themselves. This policy covers and protects the contractor from any kind of liability which can occur while performing the course of the work. These types of insurance policies not only cover the contractor themselves but, they also cover any agents, employees, partners and the like from any kind of claims that may arise.

Depending on the type of policy which you will want to take out, the covered occurrences could include, fire, leaks, acts of God, war and terrorism, safety issues, etc. Before signing any policy, be sure to review every article within the policy to ensure that the liabilities you could incur are covered. Be sure to also exclude any type of liabilities that would not apply to your certain field. You wouldn't want to purchase and pay for coverage which you will never need.

There is a multitude of professional fields that could benefit with the added protection of carrying some form of Contractors Insurance. Most of these fields are predominately grouped into the construction field. They would include roofers, electricians, plumbers, framers, architects, engineers, etc.

Other fields that could use a similar form of insurance would be computer technicians, designers, landscapers, any form of demolition contractors, any many more. To see if you could protect yourself with this kind of insurance, write down all of the circumstances that could go wrong during your normal course of project completion and consult with your insurance agent. They will have the final answers for you and be sure to bring up your concerns with them. Your agent might have a different kind of insurance that would be better suited to your specific needs.

There are five different options of insurance to consider when forming your policy. They are General Insurance, Workers Compensation Insurance, Inland Marine Insurance, Disability Insurance and Bonds. For your particular area, you may need one, two, three or even all of the available coverage's.

Be careful to not waste your money on insurance options that you will not need. For example, if you do not transport goods such as a trucking company or other courier service, you would not want to spend the money on Inland Marine Insurance for that is what this type of insurance is for. However, if you have employees that are on your active payroll, you will not want to pass up the coverage for Workers Compensation Insurance coverage. Consult with your insurance agent to get the best coverage at the most reasonable price.



Article Source: http://EzineArticles.com/2817548

Thursday, March 24, 2016

Fire Prevention



Elaine Nashashibi had just minutes to get out of their house when the smoke detector went off. Today she says smoke detectors are absolutely essential and should be checked regularly to be sure they are in good working order. Fire education expert Mary Marchone says the more smoke detectors you have in your home the more likely you will be able to escape a fire. According to the U.S. Fire Administration is that people are not taking proper care of battery operated smoke detectors which means many people think they are protected when they are not. The biggest mistake occurs when a homeowner removes a dead battery then fails to replace it for days, weeks or months.

Monday, March 21, 2016

NFIB Takes A Stand On SCOTUS & Regulatory Overreach



This week (3.18.2016) in small business, President Obama nominated Merrick Garland for the U.S. Supreme Court. For the first time in NFIB’s 73-year history, we will be vetting the Supreme Court nominee. http://www.nfib.com/JusticeforSmallBiz. NFIB is also remaining vocal about a recent USFWS regulation that will rob many business owners of their property value. NFIB has asked the agency to rescind this regulation and will file a legal complaint if they do not comply. http://www.NFIB.com/Legal. Plus, an election update. http://www.nfib.com/Elections

Friday, March 18, 2016

Don't Allow Decks Or Porches To Be Fuel For A Wildfire.



Firewise Northeast Regional Advisor Heidi Wagner cautions that decks and porches are part of your house. They can act as fuel bridges to a fire.

Tuesday, March 15, 2016

Teen Drivers: Stay Safe Behind The Wheel



California Department of Insurance presents a video public service announcement for teen drivers.

Saturday, March 12, 2016

Wednesday, March 9, 2016

New NFIB Leadership & A Victory In Congress | NFIB’s Week In Small Business



This week (3.4.2016) in small business, NFIB welcomed Juanita Duggan as our first female President and CEO. Juanita is a highly experienced trade association executive and business advocate who comes from a small business background. Plus, find out how to be a small business voter and get the latest on a congressional victory against midnight regulations.

Sunday, March 6, 2016

Tips On Finding The Best Contractor Insurance


The best contractor insurance should be able to assure both the client and the contractor when it comes to getting compensated whenever there are certain accidents that occur or whenever there are injuries inflicted. When in search for the best types of insurance like a roofing contractor insurance, following these effective tips will help you:

In finding the best insurance for a contractor, you need to make sure that your main needs are covered and the money you pay for the insurance should also be just right for your project. Finding the right coverage should be your main priority when it comes to finding the best for you.

When it comes to finding the right coverage, researching online will help you a lot in finding companies that can provide you with the right type of coverage that you need. It is important that you get insurance quotes from reputable companies so that you get to acquire the best quote that will fit your needs.

Contacting an agent and meeting him or her to discuss your needs will be a great idea to ensure that you get the best type of insurance as a contractor. Through meeting face to face with an agent from a reputable company, you can effectively get your point across and you will definitely acquire the best insurance that will suit your needs best.



Article Source: http://EzineArticles.com/4410420

Thursday, March 3, 2016

Monday, February 29, 2016

Enhance Your Efforts Supporting Home Fire Sprinklers



Every community has their own challenges when planning and implementing educational programs supporting home fire sprinklers. Challenges may be related to code activities, limited resources, or anti-sprinkler activities. This webinar discusses the importance of recognizing those unique challenges, identifying target audiences, and how the Home Fire Sprinkler Coalition's free resources can enhance your grassroots efforts.

For more information on the Home Fire Sprinkler Coalition, visit http://www.HomeFireSprinkler.org.

Friday, February 26, 2016

Mandated Paid Leave Will Stifle Small Businesses | NFIB



Small business owners say mandated paid leave will take money away from growing their businesses and creating more jobs. It will also leave less money for raises and retirement funds. NFIB.com/MDPaidLeave

Tuesday, February 23, 2016

What You Need To Know About Contractors Insurance


It is a necessity for any business undergoing construction or renovation to purchase a contractors insurance in order to safeguard their financial stability, as well as their workers' wellbeing. It's not in favor of the business' interest to leave it susceptible to financial drains, in case of management, materials, and manpower problems. There are certainly a lot of risk factors present in a construction site, and all of these could very well hurt a business, if not properly dealt with. Sure, the contractor may be held liable for some of the issues, but most of the losses will be incurred by the property owner. Besides, majority of the states in the U.S. demand that they are secured, before a project license is granted.

Contractors insurance basically covers losses due to lightning, vandalism, fire, lawsuits, injury, and other property damages that are not caused by professional errors or intentional acts. But there are certain policies that do not indemnify against earthquakes, acts of violence, and flooding. The safest plan that you can apply for is a general liability contractor insurance, since it typically takes care of all of the basic concerns, when it comes to this type of activity. Usually, it is the building owner's responsibility to acquire a builder's risk insurance, and ascertain its scope. But, the general contractor can also be tasked to buy it, as stipulated in the contract. It is important to note that this type of property insurance is only valid during the construction period, and is terminated upon the project's completion.

To ensure that you are getting the best policy, it is advisable that you shop around for options, before you settle with a provider. Submit your contracts for quotes if you are a contractor, and negotiate the rate of your policy if you are the business owner. This should help you arrive at a manageable monthly payment term that addresses your construction needs, as well as your monetary limitations.

Next, you should assess the supplementary general condition of your general liability contractor insurance, so that you know who are covered. There are a number of other people who may enter a job site, aside from the builders. You can expect messengers, trespassers, the licensees, and some invitees to come along every once in a while, so they must also be added as insured. To reduce liability exposure, as a contractor, what you can do is determine regulations within the job site, arrange an agreement with the client, and try to be hands-on with any visitation, to pre-empt any potential accidents from happening. It would also be smart to keep the site as hazard free as possible, by disposing all of the materials carefully.

Lastly, never hesitate to use a broker specializing in contractor insurance. This should make the policy application less burdensome. A business owner and contractor would find a broker's meticulous eye for detail and expansive network very helpful, especially for stringent projects. Obviously, you both can't dedicate the right amount of time to go over each unique policy and draw up proposals. A broker will help you accomplish that, and set you up with the right provider or providers as soon as possible.



Article Source: http://EzineArticles.com/7085460

Saturday, February 20, 2016

Energy Cost Update & Tax Help | NFIB’s Week in Small Business



This week (2.12.2016) in small business, President Obama released his Fiscal Year 2017 budget proposal, which contains a 3.8% tax increase that could hit some small business owners. But in a bit of good news, small businesses cheered as the Supreme Court temporarily blocked the EPA from implementing a new rule that will hike up energy costs. Plus, NFIB's free Small Business tax guide is now available. NFIB.com/taxhelp

Wednesday, February 17, 2016

Contractors Insurance Protects Your Business


General contractors call the shots in most construction projects, taking the lead in all important operations including coordinating subcontractors, supervising job sites, and many other responsibilities to ensure projects stay on time and within budget. The many risks involved with leading these projects makes contractors insurance essential to protect the business against losses that may result from a lawsuit.

One of the common misconceptions of contractors insurance is that it only applies to general contractors. But subcontractors such as carpenters, roofers, landscapers, masons, electricians, plumbers, and other trades are all liable as well. Since they are often involved in complex business relationships, contractors need to be able to rely on an insurance company that has their best interests in mind.

Most contractors understand the common risks of construction projects, such as injury to subcontractors, not being paid on time, not adhering to timeframe agreements, and other risks that should be considered when drafting the general construction agreement. A contractor's insurance policy may include provisions for issues such as negligence and workplace safety.

Speaking of contracts, all contractors should carefully read every contract and even ask their attorney to review the agreement before they sign on the dotted line. Depending on the size and length of the project, certain clauses can hold hidden fees and liabilities for which the contractor is unclear. This oversight can ultimately result in a situation that isn't covered by contractors insurance and therefore becomes out-of-pocket costs that can seriously damage a business.

Whether you're a contractor or subcontractor researching business insurance, coverage typically involves general liability, commercial automobiles, workers compensation, builder's risk, tools and equipment, bonds commercial umbrella, and employee benefits.

Remember to keep the following risks in mind when you speak with your contractors insurance company:

• Defective products: As a general contractor, you're responsible for all of the work performed by your subcontractors. So, what if, for example, your electrical subcontractor installs a kitchen light that catches fire and burns part of the ceiling? The manufacturer is ultimately responsible, but both you and the electrician will also likely be included in a costly lawsuit.

• Construction contracts: Everyone enters into a contract with the best intentions. But when things go wrong, fingers start pointing. As a contractor, you should make sure that the contract is reviewed by a lawyer to make sure your business has the right insurance for each and every job.

• Litigation costs: Whether you're a sole proprietor performing general remodeling, a specialty tradesman or anyone in between, you need to protect yourself from litigation by having a policy with an insurance company that has your best interests in mind.

These are just a few of the things you need to consider before purchasing contractors insurance.



Article Source: http://EzineArticles.com/7204077

Sunday, February 14, 2016

How Can Children Avoid Dog Bites



There are 4 million dog bites each year and 60% of the victims are children. Dr. Leslie Sinclair of the Humane Society of the U.S. says children often don't respect a dog's boundaries—they expect every dog to be friendly, and although most are some aren't. Dr. Tillman Jolly, an emergency room physician says he sees injuries every year because children often do things that they don't realize are annoying to dogs. The Insurance Information Institute cautions that parents should teach their children not to approach an unknown dog. Allow dogs to sniff you before petting them, never disturb a dog that's eating, sleeping or caring for puppies, don't try to run from a dog, and if one is chasing you, stand like a tree or look like a log. Insurance companies paid out $3.5 billion in claims in 2006 for dog bite claims.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Thursday, February 11, 2016

Ban-the-Box Trend Will Continue in 2016 | NFIB Legal Ease



Ban-the-box laws generally prohibit employers from inquiring about a criminal record on a job application, forcing them to wait until later in the hiring process to ask about criminal history. In the last two years, ban-the-box laws applicable to private-sector employers were passed in Illinois, New Jersey, Oregon, New York City, San Francisco and the District of Columbia. The trend of this legislation is likely to continue in 2016, especially with a recent boost at the hands of the Obama administration.

Monday, February 8, 2016

2016 Election Update & a Free Tax Webinar



This week in small business (2.5.2016), the Presidential primary season is in full swing! In case you missed it, NFIB's 2016 presidential teleforum series gave members the opportunity to ask candidates about their positions on small business issues. Listen now: http://www.NFIB.com/PresTeleForum. NFIB's tax expert is hosting a webinar on Wednesday, February 10. You'll want to hear about the big recent changes that will affect your 2015 filing. Register: http://www.NFIB.com/webinars.

Friday, February 5, 2016

"NFL 2016: Part One" — A Bad Lip Reading of the NFL



"We'll fight y'all on Tiger Mountain!" More fun with NFL mouth shapes. PART TWO COMING SOON!
ENDING SONG = "Bushes of Love": http://bit.ly/1QHtoop

Tuesday, February 2, 2016

Auto Insurance Quiz



Auto Insurance Quiz from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Saturday, January 30, 2016

Stay Safe And Be Safe With Contractors Insurance


Why should anyone buy contractors insurance? For the simple reason that accidents do happen even in the best of work environments and while damage to the property can sometimes be compensated to satisfaction, loss of human life and/or permanent disability cannot. Contractor insurance would in such circumstances, at least ensure that the next of kin is taken care of financially at least. Why this type of insurance is a must-have no matter how great the workers or the site are:

1. Protects the contractor - just as its name mentions, it does protect the contractor from being sued out of his or her existence when an accident happens. And accidents do happen; all the time. Construction is such a risky job that always can have something develop. A snag here, a little negligence there, and you can have an accident in any type of setting. Any such accident can create havoc with the property and lives of the workers. Why take the risk? The insurance would ensure that every one is as happy as possible under the circumstances and the monetary damages are reduced to next-to-nothing.

2. Protects the worker - any worker who get injured or killed in the event of any such accident is protected by the insurance. In the event of his or her death or permanent injury, this insurance would help the person and/or his family to be financially self-sufficient. It may sound a little mercenary in the beginning, but it is important that workers are insured so their families would be taken care of while the liability with the contractor remains at the minimum.

3. Protects the property - when accidents happen, you may have days perhaps even months of work destroyed in one shot. The insurance see to it that the money thus wasted would be reimbursed so al you would have lost would be the labor charges. There are plenty of problems that can develop just as you walk or climb the scaffolds while overseeing the construction project. Having insurance against such eventualities would make the contractor's life much easier.

4. Disputes - there would be times when disputed would arise with the regard to the construction. In the same manner, this too would be covered by the insurance so even in case the contractor is sued; there is indeed nothing to worry about.

5. Any other unexpected problems - there would be plenty of other problems that no one can foresee or think about. Insurance covers all those problems as well. In other words, whatever happens to the work of the contractor once it is insured is no longer the contractor's worry, but that of the insurance company.

The above are enough reasons to take out insurance if you are going into this business. It is wise to stay insured until everything is over so nothing could spring up on you and leave you uncovered and vulnerable. The best part of the deal is that the insurance is very flexible in terms of budget; ensure that you discuss with the agent at length so you could find the best match.



Article Source: http://EzineArticles.com/5480428