Worker Using an Angle Grinder by Anamul Rezwan Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about this type of insurance coverage. What Is Workers’ Comp? “Workers’ comp” is short for “workers’ compensation” and can help pay for medical care and other expenses if one of your employees becomes sick or is hurt on the job from hazards like exposure to chemicals or a fall. It can also cover injuries from repetitive use that develop over ..read more

Living Room by Home Decor Interiors In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner insurance claim process, but also helps in the recovery and replacement of lost items. Understanding the importance of a home inventory and knowing the most effective ways to create one are crucial steps in safeguarding your assets. Why a Home Inventory is Crucial A home inventory is invaluable in providing evidence of ownership and the condition of ..read more

Smart Device Management by Jakub Zerdzicki If you own a rental property — whether a long-term one or a short-stay place you rent out to vacationers — you want to treat it like a business, as it provides income for you. Here are six smart devices that can help you protect your financial investment, minimize complaints from neighbors, and help reduce the risk of insurance claims. Smart Thermostat A smart thermostat goes beyond simple programmable features that let you automate when your heat and air conditioning go on and off. You can control a smart thermostat via a mobile device, so you don’t ..read more

Boat Loaded on a Trailer by dimitrisvetsikas1969 Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance claims. Make Sure Your Vehicle Is Powerful Enough for Towing Many people underestimate the amount of power they need to tow a boat. It’s actually better to overestimate the power necessary than to fall short. The general rule of thumb is you need at least 15 percent more capacity than the weight of the boat fully loaded plus your ..read more

Person Using a Computer by Vojtech Okenka With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow these tips. Perform Employee Background Checks Even with all the security measures listed below, your business can still fall victim to fraud if you hire someone who engages in criminal activity. It’s smart to do your due diligence when hiring and check references as well as perform background checks on candidates. Invest in Secure Equipment ..read more

Painting Materials Beside a Ladder by Blue Bird If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips. Get Word-of-Mouth Recommendations One of the best ways you can find a contractor is to ask friends and neighbors who have done remodels or additions you like. Ask about things like: Was the contractor punctual and reliable? Did the project come in on or under budget? Would they hire the contractor again? Read Online Reviews Onl ..read more

Remote Worker Using a Laptop by Christina Morillo Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine Employment Status First, you should decide whether or not you want to hire an employee or an independent contractor (aka freelancer). Depending on the hours involved and the job description, some state laws where the worker is located determine this status for you. If you try to claim a full-time employee is a contractor, it could ..read more

Modern Kitchen by Mark When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations that give you the biggest return on your investment. Kitchen Remodels If you’re like most folks, you probably spend a fair amount of time in your kitchen, even when you have guests. For this reason, making over your kitchen will usually let you recoup your investment in equity or a higher sale price. Common remodeling elements include: Replacing appliances ..read more

Business Meeting by fauxels Whether you’re a small startup or a large enterprise, you no doubt have business insurance to protect your investment and hard work. It’s easy, however, to operate on autopilot without assessing your insurance coverage periodically. Is it time to review your coverage? Read on to learn more. When Should You Review Your Business Insurance Policy? Most companies review their business insurance coverage at least once a year prior to their policy renewing. That way they can change anything as needed before the new policy coverage period begins. However, there are other t ..read more

Teenage Driver by why kei If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their driving to current conditions. Rain, Snow and Ice It’s not always possible to stay put in inclement weather, although that should be your teen’s first choice in a storm or freezing weather. If your child must venture out, here’s what they should know: Understand that posted speed limits are for ideal conditions; driving well below the speed limit is almost ..read more