Insureon Small Business Insurance Blog
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Small business news, articles, and resources. Provided by Insureon, the nation's leading small business insurance agency.
Insureon Small Business Insurance Blog
5y ago
By Linda Rosencrance, Insureon Contributor
You have a brilliant idea for a mobile app, but there’s just one problem – you don’t have a technical background. However, you can still start an app business, even if you don’t have programming and design skills.
In fact, many successful tech companies were started by nontechnical individuals, including:
Alibaba founder Jack Ma is a former English teacher.
Pinterest co-founder Evan Sharp studied history and architecture in college.
Tim Westergren, who founded the Pandora music service, started his career as a musician and sound engineer.
Tim Chen ..read more
Insureon Small Business Insurance Blog
5y ago
By Linda Rosencrance, Insureon Contributor
If you love working with computers, and you have extensive technical knowledge and strong communication and problem-solving skills, then you might want to consider a career as a freelance computer technician.
Sometimes called computer support specialists, freelance computer technicians install, maintain, and repair computer hardware and software for their clients. Simply put, computer technicians troubleshoot and analyze user problems and implement solutions. The work can be done in the technician’s business location, a home office, or at a customer ..read more
Insureon Small Business Insurance Blog
5y ago
By Desiree DeNunzio, Insureon Contributor
No matter how vigilant you are about trying to maintain a safe workplace, injuries on the job can still happen, and more often than not, such accidents fall under the category of “struck by object.” Struck-by-object injuries involve a worker being hit by any piece of equipment or object that’s falling, swinging, or rolling, including a moving vehicle. This type of injury is one of the Occupational Safety and Health Administration’s (OSHA) “fatal four” hazards.
For instance, if equipment falls off a shelf in a storage space and injures an employee, or ..read more
Insureon Small Business Insurance Blog
5y ago
By Erinn Knight, Insureon Contributor
Cybersecurity and cyberattacks reported in the tech and financial industries strike fear in the hearts of many businesses, conjuring visions of drained accounts, damaged reputations, and legal liabilities. These risks are equal for large and small businesses, although a small business owner might not have the means to recover from an attack if the right protections are not in place.
In essence, a sole proprietor, IT professional, or a retailer that accepts electronic payments faces some of the same risks as large companies, such as Amazon.
But first, what ..read more
Insureon Small Business Insurance Blog
5y ago
By Harry J. Lew, Insureon Contributor
When people hire your company, they want to know working with you won’t increase their legal liability. Similarly, when you hire vendors or subcontractors for your firm, you want assurance that hiring them won’t harm you financially. How do both parties put these concerns to rest? By requesting a certificate of liability insurance form.
A certificate of insurance (COI) form, also known as an ACORD certificate of liability insurance, is a document that establishes proof of insurance. It lists on one page your liability insurance policies, your coverage limi ..read more
Insureon Small Business Insurance Blog
5y ago
By Insureon Staff
You don't have to work in Hollywood to know that a film budget can quickly get out of control. Filmmakers of all types face the monumental challenge of balancing shooting and editing fees, crew and talent payments, equipment costs, and food and transportation expenses while trying to find enough money to finance the entire production.
But surprisingly, video equipment insurance might be one of the least expensive things you'll have to buy. Let's look at the specifics to give you a better idea of what your coverage can provide.
Video production equipment you might want to ins ..read more
Insureon Small Business Insurance Blog
5y ago
By Desiree DeNunzio, Insureon Contributor
As a business owner, it’s your responsibility to keep your employees and customers safe. Unfortunately, despite your best efforts to take precautions, accidents can still happen in the workplace, and if you’re at fault, the cost of medical bills, repairs, and more can quickly add up.
Slip-and-fall accidents make up a significant portion of injuries at businesses, but they’re just the tip of the iceberg. A number of other incidents can fall under premise liability, including chemical spills, accidents involving equipment, or an employee or visitor inj ..read more
Insureon Small Business Insurance Blog
5y ago
By Hannah Fillmore-Patrick, Insureon Contributor
Entrepreneurs are risk takers. While taking smart risks is what propels a new business to success, it’s good to have someone focused on the legal implications of your business too. A lawyer can give your startup legal advice, negotiate effectively with partners and competitors, and represent your business in lawsuits.
Here’s how to find, vet, and choose a lawyer for your new business.
Finding a lawyer for your startup
Not all startups need the same type of lawyer. If you need help registering your business’s intellectual property, for example ..read more
Insureon Small Business Insurance Blog
5y ago
By Desiree DeNunzio, Insureon Contributor
Fire is one of the most common causes of property damage – and it can also be one of the most costly incidents for a small business. Approximately 10% of small businesses are affected by a fire, and the average cost for a fire claim is $35,000, according to The Hartford.
Although modern safety regulations have reduced the risk, fire is still a major threat. To protect your business, it’s key to educate your employees on fire safety and emergency protocol, keep your workplace free from clutter, and properly maintain your equipment. These six fire preve ..read more
Insureon Small Business Insurance Blog
5y ago
By Linda Rosencrance, Insureon Contributor
Today, organizations live and die on information, or more precisely on the insights they extract from that information, whether it’s to anticipate the behaviors of their customers or determine where to spend their advertising dollars.
As such, more companies are looking to hire freelance data scientists to help them analyze trends, solve complex problems, and glean meaning from massive amounts of data. You’ll likely find freelance data science jobs in a variety of fields, including tech startups, transportation, biotechnology, and telecommunications ..read more