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Straight From The Source Blog


Business interruption insurance: A lifeline to recovery

March 28 , 2016

Business interruption insurance

It’s a nightmare scenario for any business owner. Mother Nature cooks up a monster hailstorm, tornado or wildfire and puts your business squarely in the path of destruction. If you’re lucky, you’ll come through unscathed or with minor damage so you can patch up and move on.

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Tags: Business Insurance


Does your insurance carrier make the grade?

March 09 , 2016

Carrier Ratings

As a business owner, you carry the burden of responsibility to protect your company’s assets and keep the business financially sound. That takes a smart, proactive risk management strategy, including the right insurance coverage.

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Tags: Business Insurance, Employee Benefits


Drugs at work: Evolving employment practices liability for employers

February 25 , 2016

Drugs at work

Drug use in the workplace is nothing new to employers. It’s a problem that touches virtually every industry, and employers have long been aware of the possible consequences, including:

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Tags: Business Insurance


Beyond 360 degrees of cyber risk: Growing small business threats

February 17 , 2016

Cyber crime risk

When you first started your small business, did you ever imagine that a criminal sitting at a computer in a foreign country on the other side of the planet could be a threat to your livelihood? Or that your printer could provide a cyber thief with access to your private data? Probably not. And yet these threats are now a grim reality for business owners.

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Tags: Risk Management, Business Insurance


Crime insurance: Why you need it, how to choose wisely

January 20 , 2016

Business crime insurance

Crime against your business is one of the most traumatic, potentially costly, even heartbreaking risks you face. And it happens every day, to businesses of every size – a trusted employee betrays that trust by stealing property or embezzling money, a cyber thief steals sensitive customer and employee data, or a burglar breaks in and steals valuable equipment.

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Tags: Risk Management, Business Insurance


Is your safety committee a cost cutter or a time drain?

December 10 , 2015

Building an effective safety committee

According to OSHA estimates, U.S. employers spend nearly a billion dollars every week in direct workers’ compensation costs alone. That’s just for starters. Indirect costs add even more to the bill – training replacement employees, investigating accidents, implementing corrective measures, repairing damaged equipment, and dealing with the costs associated with lost productivity, lower employee morale, and higher absenteeism.

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Tags: Risk Management, Business Insurance


Seven opportunities to cut your construction insurance costs

November 23 , 2015

Cutting construction insurance costs

The construction industry has been hit pretty hard in recent years. Material and building costs continue to go through the roof, labor costs are up, workers’ compensation and medical costs are up, and lawsuits are on the rise. So you’re constantly under pressure to find new ways to reduce costs, not only for the sake of immediate profits, but to remain a viable competitor in the marketplace.

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Tags: Business Insurance


Workers’ compensation alert: Employers need miracle cure for rising drug costs

June 25 , 2015

Prescription.

America has a serious drug problem: The skyrocketing cost of prescription medication. It’s a growing crisis for patients and employers alike. Just look at these sobering statistics:

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Tags: Business Insurance


Don’t let flooding put your finances under water

June 04 , 2015

Thinkstock_Business flood

When it rains, it pours – and nobody knows that better right now than folks in Oklahoma and Texas. We’ve all seen the dramatic footage of cars submerged on freeways in Dallas and Houston, homes and businesses being washed away and the nonstop rescue efforts. It’s astonishing, especially when you consider that Texas was in the middle of a major drought just a month ago. But while the relentless storms have brought an end to the Lone Star State’s four-year water shortage, the flooding has swept away property, roads, businesses and precious lives.

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Tags: Business Insurance


Beware of accent discrimination: A growing EEOC complaint

May 27 , 2015

Call operator

If an employee speaks with a heavy accent and is having difficulty performing her customer service responsibilities, is it considered discrimination if you fire her because of concerns about her ability to communicate effectively? What if you don’t fire her, but her co-workers are highly critical of her accent?

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Tags: Business Insurance


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