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Best In-Class Business Insurance for Technology Firms & IT Consultants
Business growth is always an exciting experience, but with it comes a new set of responsibilities that many business owners don’t account for or may not even know about. A perfect example of this is expansion outside of the United States. Many of the clients we serve have operations in the US, especially in the New Jersey area. What is happening more and more is that they’re starting to get assignments outside of the country.
That’s where international business insurance comes in. This is especially true if you:
If any or all of these are the case for your business, international business insurance could be a valuable asset for your company.
While often this is for coverage in the US, general liability insurance extends to Canada as well. This insurance protects the assets a business has and pays for damages a company may incur.
For example: If someone is hurt on your property or someone causes injuries or property damage, the insurance will pay for monetary damages. In addition, this insurance will pay for your legal defense and for any award or settlement if someone sues you. Such damages can include compensatory damages, which is money paid for a loss or injury caused by an unlawful action of another or non-monetary losses.
Such insurance protects your business against many other types of claims too, such as slander, libel, misleading advertising, and copyright infringement. Often, insurance carriers offer an overriding policy that will extend coverage internationally for general liability insurance or workers compensation.
Businesses that open an office in another country may obtain local coverage, in addition to the available international policy. A local country contract might even require international insurance.
Professional liability insurance is often international. It can protect a small business against a claim that the company’s work didn’t meet the client’s expectations. A company can—and in most cases, are required to—obtain the insurance before entering into a contract.
This coverage can provide protection against both actual negligence and alleged negligence. This would cover a business from actual or alleged omissions and errors made when providing professional services. This could include such things as failing to deliver a service, giving incorrect advice, or an omission.
Professional liability insurance also pays for a legal defense for a covered claim, for personal injury in cases of slander and libel, for acts committed as a part of the professional services of a business, and for damages caused by copyright infringement. It can provide coverage for claims for services provided anywhere in the world.
International worker’s compensation is beneficial for many companies because US worker’s compensation doesn’t always automatically provide international coverage. For this reason, a dedicated international workers’ compensation package is a necessity if you have employees who work long or short-term in another country.
Such insurance is especially necessary if you do business or have employees in a Third World country. Businesses are not usually required by state law to have such insurance, as they are to carry domestic worker’s compensation insurance, but it is often the wisest thing to do.
Traditionally, if one of your workers is injured in another country, such insurance will pay benefits based on the state where the person was hired. Foreign voluntary workers’ compensation covers endemic diseases, including malaria and dengue fever, besides standard medical and indemnity benefits.
In addition to the aforementioned specifics, international business insurance pays emergency medical expenses for management or employees traveling abroad, as well as some expenses for evacuation. If you happen to open an office in another country, we can provide local coverage on top of your current international policy. Your local country contract might need such a service.
Contact Jason Levenson to get a low-cost quote for the international coverage.
With reports of increasing obesity and diabetes being prevalent in nearly 50% of all Americans, you probably worry about the health of your employees and how it affects your overall group health insurance costs. From your employees’ point of view, work life doesn’t seem conducive to a healthy lifestyle. Temptation to eat fast food on the go, plus too much sitting at a desk all day gets scoped out as reasons why bad health is inevitable.
But what if you, as a business owner, can curb some of those negative effects? After all, the fewer times an employee has to use their health insurance, the lower your rates could get. So maybe it’s time you find some ways to incentivize healthy employee initiatives so you can have a healthier staff and keep your insurance premiums down.
Many of the best incentives for employees aim toward ingenuity and the use of psychology so employees feel inspired getting involved in your initiatives. It doesn’t necessarily mean being motivated by money, though any idea that forces employees to pay for their bad health habits can bring quick changes in attitudes.
When it comes to breaking some unhealthy habits, some people need more dramatic means before they commit to getting healthy. With that in mind, take a look at ways you can get your employees to join your health initiatives and stick with them for the rest of their careers.
Creating subsidies for employees to attend health classes is a great integration of financial and health rewards. Years ago, you probably remember health initiatives that involved memberships to expensive gyms. Most people consider this contrived today, especially when some luxury gyms don’t have the best atmospheres for everyone.
Subsidies for yoga programs or exercise classes can occur during normal work hours. A yoga class, for instance, could take place during a lunch hour for a way toward physical health awareness before finishing the day.
The New York Times did a report on this controversial incentive a couple of years ago, and they noted how it’s brought lawsuits for being overly invasive. This hasn’t stopped many companies from imposing consequence programs when other initiatives don’t motive employees enough to take action.
Financial penalties are sometimes just what someone needs to finally quit smoking or lose weight. In the New York Times piece, they cite CVS enacting a health incentive program that imposes stiff fines every year if employees don’t comply. They aren’t the only ones, with Wal-Mart and Pepsi getting into the mix in recent years.
The good news about health food is that it’s not just about rice cakes and carrot sticks. You can buy numerous health foods now that still taste good. Some products put considerably less sodium into their foods, and some snacks have at least 50% less sugar.
Go to your local grocery and stock up on the best foods for your break room, including more fruits and vegetables. Employees tend to forget that many fruits and veggies taste amazing and beat eating processed foods for a sugar fix. And if you’re concerned about the cost of stocking healthy food, consider how much more you and your employees might end up spending on medical expenses in the long term.
Sometimes you’ll have employees who volunteer to get healthier with their own motivation. By providing health pools or contests, it gives employees a real goal to achieve. Weight loss pools are some of the most popular, where companies use NBC’s “The Biggest Loser” guidelines to set the goal line.
Having your employees losing weight does more good at once since it collectively helps lower blood pressure, cholesterol, and blood sugar just for starters. Even if your employees don’t get down to a perfect weight, whoever loses the most should get a reward. Don’t discount those rewards being a financial bonus.
Whether you run a company of 5 employees or 500, the question of group health care and its related costs will always be on your mind. With these healthy employee incentives, you can do your part to not only lower your premiums in the long term, but take a sincere interest in the lives and health of your valued employees.
If you run a business of any type, regardless of its size or your industry, you probably need to have at least some form of business insurance. Unfortunately, there are many common myths about business insurance floating around out there that have left business owners misunderstanding the amount of coverage they need.
By understanding the truth behind these myths, you can ensure that your business is covered.
When it comes to business insurance, of course no business owner wants to pay more than they need to for coverage. At the same time, however, simply going with a policy because it’s the cheapest option isn’t going to do you much good.
Often times, a policy that seems too good to be true is exactly that; it will be missing important aspects of coverage, so be sure to read through a quote for coverage thoroughly.
You wouldn’t hire an employee if you didn’t trust him or her, right? So why should you need to pay for liability insurance?
Wrong!
Unfortunately, you can just never be too safe in today’s business environment, especially considering employee practices liability is becoming one of the most common areas for litigation among all businesses. Spending a little bit on the extra coverage will give you a lot of additional peace of mind.
Read More: Protecting Your Company with Employment Practices Liability Insurance
Umbrella business insurance policies exist to save you the hassle of having to go out and buy multiple insurance policies that meet your needs. However, if you’re going to rely on a personal umbrella policy to protect your business, make sure you read through your coverage declaration thoroughly; specifically, take a look at your limits and exclusions page. You might be surprised by what you find isn’t covered.
You might think that you don’t need business insurance because you work with your clients on a contract basis. Therefore, you can simply write your contract tactfully to ensure that there’s a clause forbidding your client from bringing forth a lawsuit in the event of a disagreement.
Unfortunately, contracts are only enforceable or legally binding when the contract itself hasn’t been breached. Therefore, if your client believes you have failed to deliver on any of the agreements or promises made within the contract itself, you could very well end up being sued as a result. By having a business insurance policy in place, however, you can receive the legal assistance you need for the best chances of a favorable outcome on your part.
Read More: How To Read Your IT Consultant Contract: The Essentials
If your business involves you working from home the majority or all of the time, you might be under the assumption that you don’t need business insurance because your home insurance policy will cover you. Unfortunately, this simply isn’t how things work; your home insurance policy won’t protect you in the event that you’re sued.
In fact, it may not even protect the equipment in your home office in the event of a theft or fire. To ensure you’re covered, you really should spend the money on purchasing a sound business insurance policy for added peace of mind.
As you can see, there are many myths floating around out there when it comes to business insurance and the need for it in today’s business world. Essentially, if you’re running a business, it’s safe to say that you should have business insurance. For more information or assistance on protecting your business, feel free contact us.
As a business owner, you can’t prevent a disaster, but you can control how your business handles one. Going through some type of big financial loss, whether from a natural disaster or a major lawsuit, is chaotic—there’s no doubt about that. But in such a scenario, mistakes can be made that might delay reimbursement or keep your insurance from paying you at all.
Business insurance is meant to protect you when loss happens. For example, your commercial property insurance could help you recover money to repair the damage caused to your business from a fire, wind or hail storm, or even vandalism. Your product liability insurance could prevent financial loss from a lawsuit after an injury caused by a product defect.
But any major mistake, such as not documenting the damage caused by a particular incident, could be financially devastating if your company does not get all the money it deserves from your insurance company.
Here are some of the most common mistakes business owners make when filing an insurance claim.
Most providers make this simple by providing a 24-hour hotline for making claims outside of regular business hours, but you should contact your representative to determine how best to get in contact with your insurance agent. Some companies even provide apps for mobile.
Often, a business owner will clean up the damage before an insurance company representative comes to visit. As a result, there is confusion about how bad the damage really was. If you paid someone to clean up any mess, the insurance company may not reimburse you for the expense. Most insurance companies have a quick-response team that can come out to survey any damage.
If you clean your business before your insurance agent comes to view the damage, keep all damaged items. This can include flooring and insulation, in the case of physical damage to your property, as well as any water-damaged merchandise.
Even if immediate repairs are necessary to prevent further damage, be certain you take pictures of the original scene to document how it looked before your repairs. You should also take pictures of any repairs you make.
A policy may have perils you don’t know about. It is best to fully understand your coverage before anything bad happens so you can invest in an add-on policy for coverage in specific situations. For example, while many natural disasters are covered by basic insurance policies, coverage is not provided after an earthquake. If you live in an earthquake-prone state, you must obtain this coverage in a rider or second policy.
If you believe an estimate from your insurance company is too low, you have a right to appeal. If necessary, you should hire your own adjuster to make a second estimate. Often, an impartial third-party mediator will make the final decision on the amount of your payment.
Just ask any survivor of Hurricane Katrina how fast he or she received help from FEMA for home or business after that disaster. While the government may help after major natural disasters, your private insurance will probably provide the fastest assistance so you can reopen before you lose all your customers.
Make sure now—before anything catastrophic happens—that you have enough coverage and the right kind of insurance. Make sure you know where your insurance policy is kept. Do you have an extra copy in a deposit box, in case the original is destroyed in a fire or some other kind of disaster? Is your insurance agent’s phone number programmed into your phone?
Anything can happen—everyone knows that. As a business owner, it’s your responsibility not only to prepare your company for the worst, but to know exactly what to do should disaster strike. By avoiding these common mistakes when filing a business insurance claim, you can avoid delays and ensure that your business will be back up and running in no time.
Everybody’s heard the phrase that dogs are a man’s best friend, but can they also be man’s best coworker? The number of American offices going to the dogs is increasing. According to a survey from the American Pet Products Manufacturer’s Association nearly 20% of companies are now pet friendly.
So, why are furrier companions making their way into the workplace and what do you need to know about having a pet-friendly office?
First, let’s go over the multiple benefits of allowing pets into the workplace. We’ll use the term pets because as the survey shows, dogs are not the only furry companion allowed. In addition to dogs, companies are making friends with their workers’ cats, hamsters, fish, and even the occasional rabbit.
Many employees view their pets as part of the family and when they are at work, it means their pet is sitting at home alone all day. Allowing pets into the office means employees are not worrying about their elderly pet or puppy suffering from isolation and being in pain alone. Employees are also willing to work longer hours or stay later since they don’t feel the need to rush home to their animal. After all, nobody wants to get stuck at work only to know they’ll arrive home to a large mess in the middle of the floor.
Animals are known to attract people and stopping to pet the cute dog or scratch behind the ears of a tabby cat leads to more conversations between coworkers. People are better collaborators and report having a higher trust level.
No matter the job, everyone gets a little bored and stifled once in a while. A quick mental break helps workers recuperate and actually increases productivity. Pets in the workplace provide a perfect opportunity for a brief getaway and creativity boost.
Spending time with an animal has actually been shown to lower the stress hormone cortisol and increase oxytocin levels. In turn, this leads to lower blood pressure and cholesterol levels which actually leads to healthier workers.
Many pet-friendly offices report that animals in the office have actually led to better relationships with their customers and vendors. Consumers remember the office that had the friendly dog and define pet-friendly workplaces as more approachable and trustworthy.
On the surface, the benefits of a pet friendly office are pretty convincing, but what other things should you consider?
First, are you leasing your workspace? If so, review your lease requirements and check with the landlord before considering a pet friendly policy. A number of commercial real estate leases ban animals from the building. Disregarding this rule can lead to large fines and even eviction.
Increased noise, pet odors, and mess are another concern. We all like to believe our pets are well behaved, but even the most disciplined animals have accidents. If an employee gets caught up on a phone call and a pet needs to go out, you could end up with a foul odor in the office and carpet stains. What’s a client going to think if in the middle of your phone call, a dog starts barking?
Setting ground rules for animals and properly preparing your office to be animal friendly can help offset some of this. Many offices suggest providing litter boxes, pet water fountains, and designated walk times.
What about allergies and liabilities? Not everyone is a pet lover and worse some are allergic to dog and cat dander. Making one coworker’s life easier by allowing a pet can make another coworker’s miserable. Consult with everyone in the office before deciding on a policy. Some workers may agree to a pet-free zone while others may require a pet-free workplace to remain healthy. Furthermore, if an animal bites or scratches someone in the workplace, as the employer you may be held liable.
The business world is becoming smaller and smaller. As communications technology improves at a startling rate, more and more companies are building international workforces or hiring international contractors. And unsurprisingly, because of this broadening of corporate horizons, there is a great deal of travel involved.
Many Americans travel within the country on a relatively regular basis, so they aren’t strangers to airport procedures such as arrival times, baggage check, and security procedures. Customs processing may be a bit unusual, but the process is fairly self-explanatory. Overall, most Americans would be reasonably comfortable and quite capable to travel internationally for business.
The one issue with such travel doesn’t have to do with the physical process of traveling, nor the conducting of business, but rather the chance that the traveler might become injured or ill while in another country. Most traditional health insurance plans don’t cover international health issues, and they definitely don’t include reimbursement for lost luggage.
That’s where travel medical insurance enters the picture.
Travel medical insurance is usually a temporary or “term” insurance plan, and it is designed to protect travelers while they are abroad. Travel medical insurance usually does not cover pre-existing conditions, as it is solely intended to ensure that travelers get the care they need if something new happens while they are in another country.
What actually is covered varies by plan and carrier, but there are a few constants that you will find on almost every plan.
Travel medical insurance plans cover both inpatient and outpatient treatment—including doctor’s visits and hospitalization—for any new injury or illness that occurs during the trip.
If the policy holder is in a country or region without adequate medical care, the travel medical insurance plan will pay to medically evacuate them to an appropriate facility.
Most travel medical insurance plans cover prescriptions necessary to treat any condition contracted during the travel period. Generally, if the insurance paid for the treatment, it will pay for the corresponding prescription.
The majority of travel medical insurance plans also provide some amount of money in the case of an accident or injury caused by the policy holder. The amount and conditions of the award vary greatly from plan to plan, however, so it is a good idea to pay careful attention to each plan’s wording.
If the policy holder becomes hospitalized (and possibly medically evacuated) for a serious injury or illness, most travel medical insurance plans will pay for a spouse, child, or loved one to fly to their location for a short visit.
If the policy holder’s checked luggage is lost or goes missing, the plan will reimburse the policy holder for its value. This usually does not apply to carry on bags or loose items such as wallets or cell phones, although the medical nature of the plan means many carriers will replace lost prescription medication.
In the case of accidental death or dismemberment, most travel medical insurance plans will pay a sum of money to the policy holder or their beneficiary.
Finally, in the case of the policy holder’s death while traveling, many plans will pay to have the remains transported back to the policy holder’s native country.
As you can see, travel medical insurance has quite a few benefits. If you or one of your employees is planning to travel in a foreign country, you should strongly consider purchasing travel medical insurance. It is better to be prepared for every eventuality than to be caught off guard when you need help the most.
Have you ever thought about what to do if your business gets sued?
You may think your business has safeguards from such things, but it can happen to any company at any time for sometimes surprising reasons. Whether it’s someone suing over getting hurt on your property or perhaps accusing you of supposed product defects, anything can come out of the blue to deal you the stress of a lawsuit.
Rather than go into a panic when you receive a lawsuit notice in the mail, you need to calm down and handle everything with intelligence. Just because you’re being sued doesn’t mean you’ll necessarily lose money. The biggest hurdle is the money you’ll have to spend on paying for lawyers, which is potentially as much or more expensive than any settlement.
Fortunately, you have a way to combat litigation fees if you play your cards right. Things can also progress faster if you don’t waste time responding to any lawsuit. In the world of law, any time wasted can mean costing you more money and possibly losing your case.
(Remember, the InsureYourCompany.com staff are not lawyers, therefore you should always consult your attorney in the event that you or your business are sued.)
It’s a possibility you’ll receive a demand letter first before a lawsuit even arrives. This doesn’t always happen, though if someone demands you change something with a threat to sue, it’s time you took the letter to your business lawyer. If you don’t already have a lawyer looking out for your interests, then you need one now.
Sometimes you can find ways to resolve the issue or through a fair settlement before someone sues. Unfortunately, with the litigious society we live in, a lawsuit may still happen with a push to get more money out of you. When this happens, you have to communicate with your lawyer to respond quickly.
A hearing frequently requires a response within less than a few days to a week. With that in mind, you need to allow a little time for your lawyer to gather evidence to prove your case. Despite most states having a statute of limitations of up to two or more years in filing lawsuits, responding to a lawsuit doesn’t allow the same luxury.
A good lawyer can still find compelling evidence if given at least a week to gather it all. They’ll gather witnesses and documentation that proves your side. In order to make this effective, you need complete candor with your lawyer. Don’t be afraid to tell them everything so they can create a better case for you.
When you get business insurance, it pays to read your policy carefully to see if they pay for litigation when you get sued. Many policies do, which is important to keep you from having to go nearly bankrupt paying off your lawyers. It’s even worse when losing a lawsuit where you have to pay a settlement and lawyers at the same time.
Keep in mind you need to respond quickly to your insurance after a lawsuit before they ever agree to help you. Your lawyer can do the contacting.
When you have a lawsuit on your hands, emotions can easily take over, leaving you to start discussing it with friends or on social media. You need to avoid this completely because any information you blab in public places could end up being used against you in a court case.
Social media is an especially bad place because it places your comments out on search engines for the competing legal team to acquire and use in a trial. Because language is malleable in law, something you say could be twisted to make you look guilty when you’re not.
Being sued is never a pleasant situation, but it’s a possibility for which you, as a business owner, must prepare your company. With the guidance of a trustworthy attorney and a complete understanding of your insurance policies, however, it doesn’t have to spell disaster for your business.
Small businesses succeed or fail based on the little things. Whether it’s setting your prices 50 cents too low or too high, not paying a dollar an hour extra for a more skilled worker, or paying too much for insurance, those little things can spell doom in unexpected ways.
The savviest small business owners are constantly making minute adjustments to the way they run things, and they are always on the lookout for ways to get just a little more value by expanding their market share slightly, raising prices a few cents, or cutting costs in some way.
Being a small business owner means being open to any way to improve the performance of your business.
One of the best and often overlooked ways to cut costs is taking a second (or third, or fourth) look at your business insurance policy. There are a number of ways that small businesses can save on insurance, and as mentioned above, those savings can make the difference between a struggling business and a successful one.
Health insurance is expensive, and if you opt for a plan without a deductible, you could end up paying way more than you need to year over year.
The better option is to provide your employees with a less expensive healthcare plan with a higher deductible and a health savings account. The health savings account compensates for the high deductible by letting employees pay into the account pre-tax. Employees then use that money to pay for the deductible when they need to. High deductible plans make it the employee’s responsibility to think about the cost of medical services.
You won’t have to deal with insurance claims if your employees never have to use their health insurance. Keep them healthy by stocking your break room with low-calorie options instead of junk food. You can also provide discounted or free memberships to a local gym. It may cost a bit of money up front, but has the potential to save even more in the long run by preventing your employees from needing to make a claim and even reducing the number of sick days they take.
Speaking of prevention on a larger level, making sure you keep up with routine maintenance will be very beneficial. Take steps to keep the workplace clean and fix anything that breaks as soon as possible. The safer and cleaner your place of work is, the lower the chance that your employees or customers will have an accident and make a claim.
Your business needs a wide variety of insurances, from accident to health to general liability. In some cases, you’ll find the best deal from separate providers, but the majority of the time, bundling your plans with just one provider will save you a fair bit of money. Larger providers will often offer most or all of the types of insurance you need.
As your small business grows and changes, your insurance needs change as well. Sit down with your insurance agent each year and go over your existing policies and needs to make sure your coverage configuration is optimal. Adding and removing policies as needed will keep your coverage tight but not excessive.
Every day, we help small businesses navigate the often murky waters of securing the right business insurance. As a small business owner, you may find that insurance is one of your largest expenses, but it doesn’t have to be a money pit. Managing it properly by finding ways to cut costs and making prevention a priority is crucial to ensuring the success of your business.
If you work as an independent contractor, you’re probably all-too-familiar with just how stressful things can be around tax time. You’re responsible for paying your own taxes rather than having them automatically deducted from your paycheck. Not to mention, independent contractors and self-employed workers also get hit with additional taxes, such as a 15.3% self-employment tax for Medicare and Social Security.
Of course, we’re not accountants and will always recommend that you trust the advice of a professional, but there are some basic tips for writing off home office expenses that can help you keep more of your money this tax year.
The biggest deduction you may be entitled to if you’re working as an independent contractor is the home office deduction. This deduction only applies if you own your residence and have a designated room in the house that you use primarily as an office.
Be careful here. You can’t claim a home office deduction for your living room just because you have your computer desk set up in the corner; the space needs to be completely dedicated to your work.
If you qualify, you can deduct the portion of your mortgage that goes towards the square footage of your home office, which can save you a pretty penny when it comes to paying your taxes. Just be sure that you carefully document and calculate your deduction, as it’s not uncommon for those who claim this deduction to be audited.
Even if you aren’t eligible for a home office deduction, there are plenty of other expenses you can write off when you work as an independent contractor.
For example, if you have to purchase a new laptop or computer to conduct your work, this can be written off come tax time. The same applies to portions of your home Internet and phone bills used for work purposes, along with any office supplies (paper, ink for your printer, etc.) that you need to buy to do your job.
Be sure to track any work-related travel that you do in your own car. Write down the dates and times of your travel, along with your car’s odometer readings before and after the trip.
At the end of the year, it might be tempting to simply estimate how much you spent on your home office throughout the year, but it’s important that you actually keep track of this information throughout the year. This means having a dedicated folder or file where you keep all of your work-related receipts, along with a spreadsheet file where you track your annual totals.
Yes, it will take some time on your part to keep this information organized, but it will also help save you time and stress when it comes time to file your taxes. Plus, in the unlikely event that you do get audited, you’ll have all the documentation you need.
If you’re paying for your own insurance and/or contributing to your own retirement fund, understand that this can help you come tax time as well.
Specifically, any funds you’ve contributed to your retirement account should be tax-free until you begin drawing on your account. Furthermore, any medical expenses, such as insurance premiums, are 100% tax-deductible as well.
As you can see, there are many tax breaks that you can enjoy when you’re working as an independent contractor. And while taking advantage of these deductions and write-offs does take some research and careful tracking on your part, the results will be worth it when you’re able to keep more of your hard-earned money in your pocket at the end of the year.
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