You love animals. Giving them the very best care is your passion. But what would you do if that was suddenly taken from you?
Carpal tunnel syndrome. Lower back pain. Neck soreness or tightness. These, and other injuries, can all be caused simply by working at a computer. If your employees have ever experienced work-related injuries like these, you probably appreciate the benefits of ergonomics. What many employers may not realize, however, is that proper ergonomics is relatively easy to achieve ... and can result in huge savings in workers’ compensation costs and insurance premiums.
As a business owner, you’re responsible for maintaining the main (usually front) customer parking and walking areas of your business, including fixing potholes and removing snow from sidewalks and parking lots. But what about the rear and side walkways and parking lots of your business? It’s been my experience that the rear and side lots and walkways, the ones commonly used by your employees, can potentially be where the most serious injuries occur and, therefore, have the most impact on your workers’ compensation insurance costs.
You just ended one of the most prosperous post-Christmas sales in your store’s history. As soon as you close, you’re heading to the bank to deposit the day’s receipts. But just as you’re locking up, an armed thief pushes his way into the store and demands that you turn over your cash. Weeks of hard work and thousands of dollars in sales walk out the door with him. And because you didn’t have Money and Securities coverage on your insurance policy, you’ll never see it again.
The new year is a perfect time to review your commercial insurance policy to make sure you have the coverages you need at different times throughout the year. For example, you may have more inventory during the holidays, but if you don’t have a high enough limit on your Business Personal Property coverage, you may not have enough protection for these items if there’s a total loss.
It’s the most wonderful time of the year! For retailers that means the busiest season of all! Retailers, you know your foot traffic is off the charts right now. In addition to keeping the shelves stocked and the registers manned, good housekeeping will prevent trips/slips/falls on your premises.
As a small business owner, it would seem very probable that the autos you are using in your business are titled in your personal name. If scheduled on a Commercial Auto policy, this may create a coverage gap for you in the event of an auto claim. Depending upon the commercial auto symbols assigned to your policy, coverage may be limited to “owned autos”. This would only include autos owned and titled in the business name if that business name is the only named insured on your policy.
It’s been raining for three days straight. You hear your sump pump running and breathe a sigh of relief. But what would you do if your sump pump failed or if water overflowed from the basement drain? It could damage your building, not to mention any valuable property you – or others! – own that’s stored in your basement.
Restaurants are often a great fit for West Bend’s SMARTbusiness™ program. If you own a restaurant or are an insurance agent inspecting a risk for a current customer or future prospect, it’s important to be familiar with the UL300 compliance systems (UL300, Fire Testing of Fire Extinguishing Systems for Protection of Restaurant Cooking Areas). Why? Because these systems were designed to protect you!