It is always important to keep your employees’ well being in your best interest so that not only will your business keep running smoothly, but so that no one gets unnecessarily sick or hurt on the job. When the temps drop below freezing, you may have some employees out on sick leave due to cold induced illnesses. To prevent this from happening in the future, take some time to better prepare your outside employees for the cold. First, you must realize that working in cold temperatures can be dangerous. If you have the ability to rearrange the workload and have … Continue reading Keep employees safe this winter

We all know that in order to own and operate a commercial trucking company you will need insurance. Unfortunately, there are things that can go wrong even with the safest truck drivers and the best equipment out there. But exactly what kind of insurance is required and what is optimal for truckers these days? Here is a breakdown of some of the insurance options available for your trucking business: • General Liability- this protects the business for any third party damage or bodily injury that doesn’t have to do with the truck itself. If someone were to slip and fall … Continue reading Some insurance options for your trucking business

We all know that while paying bills is not anyone’s favorite thing to do, we have to do it nonetheless especially when it comes to your business. And your insurance premium is one of the most important bills of all. If you miss a payment for your business insurance, your business may be missing more than you think. If you do not pay your insurance premium on time according to your policy agreement, you will risk being canceled for non-payment. That means that you will not have coverage for all those unexpected issues that could possibly arise. Not only that, … Continue reading Non-payment cancellations

Running your business takes up your time enough without worrying about your business’s building structural problems. But nonetheless it is important to keep up with proper maintenance on your building to avoid unnecessary problems down the road. In the winter time it is particularly important to pay attention to the dipping temperatures and how they will affect your building. Water pipes are vulnerable to the freezing temperatures we have been experiencing lately and could freeze causing serious issues for your structure. When pipes freeze, the water inside can freeze causing a blockage. That blockage could cause a lot of pressure … Continue reading Mitigating frozen and burst pipes this winter

When you run a business you know that having a workers compensation insurance policy is imperative. Accidents happen when you least expect it and can run into a lot of money for your business if you are not covered. Every state has its own worker’s comp laws. Some states mandate you have coverage while others do not require it. Massachusetts is one of the states that require your business to carry workers comp coverage regardless of company size or hours worked. But what happens if your employees travel out of state for work and they get injured? Will your policy … Continue reading Does my worker’s comp policy cover employees in other states?

Now that the year is coming to a close, you may have cleaned up your shop for the year and are ready to take a short hiatus from the business world for a few weeks. But before you lock the business doors for vacation, you may want to sit down with your employees to remind them of some things. If you have a fleet of company cars that are used by your employees, you will want to remind them that company vehicles are off limits during time off. Do not allow your employees to bring vehicles home overnight or at … Continue reading New Year’s Eve and your company cars

When it gets to be Christmas time, everyone likes to think about Santa Claus and his wonderful workshop up at the North Pole. Children young and old dream about Santa’s sleigh ride on December 24th when he visits all the good little girls and boys by climbing down the chimney and leaving gifts. But when you are in the insurance business, thinking about Santa always raises the question: If Santa were to walk in here right now, what type of insurance would he need? It goes without saying that Santa Claus would most likely be looking for a good comprehensive … Continue reading What if Santa needed insurance?

Now that the holidays are here, one question that always comes up this time of year for business owners is: Who is liable if something goes wrong at the office holiday party? There are a lot of scenarios that can happen at an office party that can raise liability issues. Each state has different laws regarding who is actually considered liable when accidents happen during or after a work related gathering like a holiday party. It is important that you are aware of your state’s laws when planning your office party. One of the biggest issues is alcohol consumption. Being … Continue reading Business liability at the office holiday party

If your business mails out items to customers on a daily basis, you are most likely on top of the process. Your items are probably packaged very safely and usually make it to your customers on time and in great shape. But if your business does not typically mail things out and you receive a special order for something to be shipped, you might need some tips on how to properly package the items. Here are a few things to remember: Depending on the item you will be shipping, you may want to hire a professional to do the job. … Continue reading Mailing items from your business

When you drive construction vehicles for a living, the chance that some debris could fly off and hit another vehicle is always there. In some cases, your company may receive a phone call from an unhappy driver who claims his vehicle was hit with a rock from your truck. Of course it is not a phone call that anyone wants to receive because it could mean someone possibly got hurt or that the company may owe damages to the other driver. Unfortunately, there have been instances where flying debris has caused serious injuries and even death. Just last year, there … Continue reading Truckers: Stay abreast of safety laws