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Best In-Class Business Insurance for Technology Firms & IT Consultants
In the modern business environment, every business needs complete multi-department functionality. You need legal and financial compliance oversight, a full-stack IT team to set up your secure business network, a digital marketing presence, and the core team that actually operates your business’ core function. So it’s no surprise that keeping overhead how for small business startups has become a serious challenge.
For small businesses across all sectors including retail, service, healthcare, and software-as-a-service companies, you don’t have to go over budget to cover all your bases. Let’s explore eight of the best ways to keep your overhead low as a small business team.
You don’t need to hire every person you need on-staff. This is good because the number of specialist services a business needs has multiplied in the last few decades. Instead, small businesses in all sectors are now outsourcing entire departments that they don’t keep on staff – at a much lower price for custom-scaled and as-needed services.
In IT, you might hire an MSP or Managed IT service. In finance, you might hire a “fractional CFO”. In marketing, you can hire a digital marketing agency. Or you can choose a platform that provides these functions as-a-Service. Prioritize the team your small business needs and outsource the rest of your departmental needs at a discount.
Use software and automation to multiply the efforts of your onboard and outsourced teams. Your marketing team can be empowered by email and social media automation. Your HR department can streamline using the right management software to make their diverse duties routine. Backed by timed routines, AI-powered algorithms, and even chatbots, your team can do a lot more with their limited hours in a day.
You don’t have to handle every expense directly out of your revenue. Smooth your finances and reduce the risk of unnecessary operational costs with a floating business line of credit. Like a credit card, this is a line you can pull from and pay off as-needed instead of a finite small-business loan.
Ergonomics is the study of efficiency in the workplace. An ergonomic chair holds the body in a position that reduces stress points and maximizes time someone can spend sitting and working. In a floorplan, ergonomics facilitates easy movement and smooth traffic. But in business operations, applied ergonomics can help you identify inefficiencies, pain points, bottle-necks, and then find the best way to empower, streamline, or equip your team at each point.
One very popular option for reducing office overhead is to “go green”. Once thought a costly gimmick, the digital tools are now available to truly cut disposable products and resupply expenses from your overhead costs.
You don’t have to buy your first office, or even the large equipment you need to operate your business. Many startups begin by renting their biggest expenses. If you have revenue turning over but don’t have the deep wells of investment capital to buy your own location or equipment yet, don’t worry about it. Instead, focus on business growth beyond the costs of leasing until you are ready to buy.
Many of the expenses of a small business like marketing and even supply chains can be lessened when you team up with other small businesses. Form an alliance with other local businesses and practical brand partnerships to share costs wherever possible.
For the financial resources, your small business startup needs to operate and grow, contact us today.
This article is for general information purposes only. It is not insurance, tax, legal, business, or other advice. For specific insurance questions related to you or your business, please contact our office.
A Limited Liability Company (LLC) is a type of business structure that protects the owners from liabilities that the company may face. In other words, financial obligations and other problems faced by the company won’t be extended to the owners’ assets. Therefore, the owners, commonly known as members, are not personally liable for the actions of the company.
Such a kind of business structure is beneficial to you as an owner since it is relatively easy to set up. Not to mention, it offers flexibility in management as the members can take part in decision-making, or hire professionals to run the business on their behalf.
Running any kind of business is a risk, and at any given point in time, your business is exposed to a plethora of risks that may be known or unknown to you. A fire could blaze your shoe store to the ground, or burglars could break into your jewelry store and make away with your precious diamonds. For this reason, you need to insure your business.
The main reason why you should insure your LLC is to ensure continuity in the face of unforeseen perils. Insurance does this by indemnifying your business back to the financial position it was in before incurring the covered loss. Apart from this, insurance is a legal requirement in some states. For instance, many states require employers to take out Workmans’ Compensation for their employees.
Now, let us have a look at some of the insurance policies that your LLC needs.
This type of insurance protects your business assets from loss or damage due to some covered perils. The building in which you carry out your business operations, whether leased or owned, is prone to damage from accidental fires, floods, or even hurricanes. These are risk events that are out of your control and you can never be fully prepared for them. Also, the assets that you use in your business like your laptops, office stationery, or merchandise could be robbed by burglars. Such risks can lead to the paralysis of your business operations.
Commercial property insurance ensures that you get reimbursed for the losses that your business incurs through accidental damages. This enables your LLC to continue its day-to-day operations as usual. In addition, the policy can also be extended to cover loss of profits. This means that your business can continue receiving its usual revenue from the insurance company during the time it takes to rebuild or repair the business premises following damage from an insured peril. Therefore, commercial property insurance is essential for any LLC.
If your business uses motor vehicles as a part of its business activities, then your LLC needs commercial auto insurance. Vehicles used by your business could be the trucks that do deliveries, pickups, or even vans with which you run errands. Not to mention, auto insurance is legally required in most states.
The commercial auto insurance policy covers your business vehicles as well as drivers from accidental damage. It also covers legal expenses that result from third-party damage caused by your business vehicles. When buying this policy, it is important to disclose whether the vehicles are owned by your LLC or leased.
Employees of your LLC may suffer injuries or illnesses arising from the job they do for you. For instance, a drugstore attendant may slip and fall while working in your place of business. They may break a leg in the process. The employee has a right to sue you since this injury arose from the course of their employment with you.
In many states, including New Jersey, it is a legal requirement to purchase Workers’ Compensation if you have any employees. This type of insurance covers you against liability that arises from illnesses or injuries of your employees as a direct consequence of their employment with you. This way, your LLC will be protected from the legal expenses and settlements associated with such kinds of claims. For this reason, Workers’ Compensation is not only a necessity but a requirement for your business.
In the current day and age, technology is a necessity for most, if not all, businesses. Your LLC may hold electronic data on clients, or even some digital assets like apps and other software. This data can be breached by hackers who may introduce malware and ransomware into your company’s digital database. They may then proceed to extort you or use your clients’ personal data to commit crimes like identity theft.
Such an occurrence could be detrimental to your LLC. There will be costs associated with the extortion, recovery, and clean-up of the corrupted data. You may also need to inform your clients of the breach and this will be costly, not to mention the lawsuits that your company may be slapped with.
However, cyber liability is here just for you. This policy will take care of the costs of ransom, expenses involved with informing clients, as well as associated legal fees, should any of your clients decide to take legal action against your company. Therefore, if your company holds any client information, or relies upon digital assets in its operations, then you should strongly consider cyber liability.
Your LLC can get sued at any time for causing injury to third parties or damaging third-party properties. For instance, a client visiting your coffee shop may trip and fall on the stairs. This client may proceed to pursue legal action against your business, and this will force you to incur some legal expenses. Also, a water pipe may burst on your business premises and damage someone’s vehicle.
The general liability policy will come in to cover the legal expenses associated with such charges, whether they are legitimate or fraudulent. In addition, this policy will also cover the settlement amounts on behalf of your LLC.
It is also important to buy professional indemnity since the general liability policy excludes claims arising from professional errors made in the course of business. For instance, if you run a healthcare organization and one of your doctors erroneously misdiagnoses a patient, the professional indemnity policy will respond to legal claims arising from this. Therefore, your LLC needs general liability insurance.
Businesses that are structured as Limited Liability Companies are increasingly becoming popular. However, the risks they face are ever-changing and that is why they need insurance. At insureyourcompany, we are enthusiastic about the success of your business. With over 15 years of experience working with small companies, our insurance professionals are sure to get your LLC the insurance policies it needs. We are passionate about customizing our insurance products to suit your business needs.
Your business has its own insurance needs that may have not been captured above. To find out more about how we can help you insure your company, contact us today.
Co-working spaces are an essential service for modern professionals. Often, people find themselves away from home and out of the office but still in need of the conveniences of an office environment. High-speed internet and ergonomic chair are uniquely important when they aren’t available anywhere else. Maybe you need somewhere to hang your solopreneur shingle, or maybe you’re on a business trip and your hotel ‘business center’ is just a slow desktop computer in the lobby.
For whatever reason you need co-working, it’s also important that you be able to access this resource without fear of virus exposure. The pandemic brought to light some concerns about shared spaces but co-working is uniquely adapted to keeping each professional separate from each other and safe from exposure – as long as everyone knows what to do.
Fortunately, we’re dealing with well-mannered self-starter professionals who can handle a few protocols. Today, we’re diving into some practical methods to keep yourself and others COVID-safe while sharing a nice co-working space.
The first and perhaps most important step is to know the co-working space you’re planning to visit. Each brand and location is different, with unique buildings and mini internal cultures. If you know that your co-working location has widely spaced workstations and private offices for rent, then there’s you’ll likely have an easier time maintaining your own COVID safety procedures.
Masking is the number one way for everyone to stay safe from viral spread. Asymptomatic people and those who have to work even with a cough can avoid sharing a virus by wearing a two-layer cloth mask, while those who are well can avoid infection with the same masking procedure. This means that the best way for everyone in a co-working space to stay safe is for everyone to wear a mask whenever possible.
Be sure you’ve found a mask that is the right material and thickness, fits well, and is comfortable for all-day use. Bonus points if it matches your business casual attire.
The other, less prominent, way that COVID can spread is through touch and surface exposure to breath. If everyone is wearing masks, this risk is limited but it’s still a good idea to be safe. Bring a pack of sanitizing wipes with you to any public space you visit, including your co-working space. When you arrive, quickly wipe down the surfaces and equipment in your chosen office or workstation. This way, you can be certain that nothing you are handling puts you at risk. When you are finished, wipe down everything again just to be courteous. If we all do this, then surface-based infection becomes nearly impossible.
Social distancing and co-working go well together because most people choose to be 6+ feet apart from their co-working colleagues. When each person is on their own business, it’s best that workstations and offices remain spaced out so that business can be conducted separately. However, if there is a shared workspace room with many desks and computers, be courteous and pick a station two or more wingspan (the length from fingertip to fingertip with your arms stretched out) from others. This might be every other desk, every three desks, or just the next well-spaced desk in an open work area.
If you want the privacy and safety of your own airspace, rent an office before you arrive. Many co-working spaces have an array of private offices that can serve as your office-away-from-the-office for as long as you need. By booking one of these private offices ahead of time, you gain social distancing and the surety that your computer and work supplies stay 100% isolated from co-working colleagues.
Lastly, be extremely considerate of others in shared rooms like the co-working break room. Many co-working spaces offer snacks and drinks for colleagues to share, but sharing is something we should do more carefully now. Try to stagger your lunch break so that there are never too many people in the break room at once. Don’t share drinks or snacks out of the same container and distance yourself when it becomes necessary to remove your mask for eating.
Working from home doesn’t always have the resources you need – or the focusing business atmosphere. If remote work isn’t quite doing it for you, try some time in a co-working space. Just remember to keep a respectful and covid-safe distance from your fellow remote co-workers in the space. Contact us for more remote work insights.
Today’s employers are facing an interesting challenge: Many teams and new hires don’t want to come back to the office. Between the year spent perfecting home offices and the continued viral risk and safety concerns, many people feel that it’s both safer and more comfortable to continue working from home.
However, many jobs are still better and more safely done in the office and most businesses have invested both revenue and infrastructure in their custom office space for team productivity. What will it take to get remote employees eager and willing to come back to the office? While many brands are going all-out with in-office perks, what really matters can be refined into a few considerate and well-thought upgrades to make office space both welcoming and safer for returning teams.
The single biggest concern in returning to the office is the shared workspace. With COVID mutating as every coronavirus does, we won’t see the end of viral care any time soon. Instead, it’s time to take a wholesale approach to make sure everyone is safe. While you’re upgrading your HVAC, air filtration, and room-to-room airflow, it’s also important to monitor CO2 buildup in rooms shared by more than one person.
Why? While CO2 is not virus-carrying, it is a good way to measure concentrated exhalations. The less CO2 in the air, the better the airflow must be. Many are carrying personal CO2 monitors to work or school. Instead, show you care (and prove your safe-workspace results) by mounting large-font digital CO2 readers in shared spaces where everyone can see the air is clear and moving.
Gone are the days of “cube farms” where employees are packed tightly together with non-air-tight dividers in between. Gone are the ‘pools’ of desks arranged in the closest possible floorplan. Instead, we need about 10 square feet per desk which means a whole new approach to personal workspace design.
Dividers, ventilated pods, and more widely spaced open floorplans are the new name of the game. This is also your company’s opportunity to use the broader desk design to make a more aesthetic space with great traffic flow and a real sense of personal space at each workstation.
Digital signage is a trend that has seen a meteoric rise in the last year, and not just because it’s nifty. Digital signage uses tablets and screens mounted on walls (and other surfaces) to display dynamic information. For conference rooms, digital signage is used to schedule the space, indicate when the space is booked, and also to help ensure each room is thoroughly cleaned between uses.
Conference rooms are often used as private spaces, for team meetings, and of course to meet clients. By upgrading each conference and enclosed office space with digital signage, you make it more dynamically ergonomic, welcoming, and virally safe at the same time.
Consider upgrading your health plan. When employees know they will be taken care of on the off-chance that they get sick from any cause, they are more likely to brave spaces outside the home. Whether you want your team in the office or working in the field, a great healthcare plan and generous illness policies will provide the protection and incentive your team neads to consider less remote work.
Believe it or not, natural light has become a major selling point for going back to the office – if you make it available. Many people prefer their sunny home office to a dim interior space in an office building. But there are also millions whose homes aren’t well-situated for uplifting natural light during the day.
Make those big beautiful picture windows a selling point for the return of your team by optimizing natural light in your workspaces. Re-prioritize office access and workspaces for sunny areas of your office and push storage toward those dim interior spaces.
Last but not least, make it easy – even automated – for your team to keep themselves and the space sanitized. Provide dispensers for sanitizer (and hand lotion, sanitizer is drying) at accessible intervals around your office. Provide dispensers of alcohol wipes at every workstation, lobby, and conference room. Then look into automated sanitization like anti-microbial railings and coatings and even sanitizing misters in key locations to keep your office not just clean, but high-tech clean.
Is your team hesitant to come back to the office? With these upgrades, your business can make your workspaces more appealing, productive, uplifting, and feature high-tech viral safety. Anyone who hasn’t fallen fully in love with their home office will be happy to come back when the office is welcoming and provably safe to return to. Contact us for more insights on remote work and the hybrid transition.
Setting up your business for the long run takes a great deal of planning to make possible. From planning for profit and growth to potential damage or disaster, it’s nearly impossible to be prepared for every “what-if” scenario.
The best way to alleviate these growing pains is to determine what is most important to your business’ sustainability and make sure those areas are protected. For example, ensuring you have enough working capital to run your business is likely a major concern for most business owners. Additionally, preventing a major disaster, whether physical or operational within your business is another way to ensure nothing can stop your business from surviving long-term.
We’ve compiled a list of some of the best future-proofing small business tools for you to consider as you make plans for your business.
The more specific you can make your business goals, the more likely you are to achieve them. It’s important to know exactly what you want for your business at present as well as in the future in order to see actual growth and ensure that growth will continue to happen.
When looking to ensure the future of your business, write up a formal business plan that you can refer to regularly to stay on track with your goals and objectives. This plan will become your guiding force for all things from funding, to marketing, to hiring employees and more. A business plan gives you the opportunity to be as detailed as possible with your intentions for every area of your business, making success much more attainable. Take your time with this step as it will become the foundation of your business’ legacy.
Once you have mapped out your path to success, be sure to tie up any loose ends that could potentially stop your business from becoming what you want it to be.
One of the most important ways you can prevent any roadblocks in your business operations is by making sure your business is insured. Business insurance can help protect expensive assets such as office or retail space, automobiles used for business operations, and even your most valuable assets, your employees. The resources you need for your business are invaluable to you as a business owner. It often takes a great deal of saving and planning to be able to afford these upgrades in the first place. After all the hard work you’ve done to obtain these things, you cannot neglect to put protections in place. Insurance is just as, if not more, important than the business’ belongings.
Business insurance will also protect your bank account from taking a hit anytime something unexpectedly goes wrong. This way, you are able to stay in business without having to sacrifice any of the valuable items or people that help your business thrive.
Another way in which businesses tend to fail is by not having enough funding to keep operations running. Naturally, events will come up that require unexpected spending, which in turn, can upset your budgeting goals and may make it difficult or nearly impossible to continue operating.
While managing money is a struggle for every business owner, having access to additional funds can help alleviate a lot of your stress. Instead of acquiring a hefty business loan and locking yourself into years of debt, a business line of credit is a more manageable way to afford what you need for your business.
Much like a credit card, a line of credit can help you financially as and when you need it, and you can control just how much debt you accumulate. You can easily pay off your balance in a shorter amount of time and won’t be overcome with debts to be repaid for decades to come. Now a small blip in your financial timeline won’t stop you from sustaining a profitable business long-term.
No matter what type of business you run, the data you use and collect in order to conduct business is invaluable. You will want to protect this data from any sort of mishap that could compromise this information, because, if it is compromised, stolen, or completely lost, you may not be able to stay in business
From important documents containing sensitive information to WiFi networks and log-in information, all of these pieces of information must be secured. For a complete list of all data information that will need security and how to protect it, follow the FCC’s recommendations for small business cyber security. When you have strong security measures in place to protect your data, you will stand a greater chance of enjoying long-term business success.
As you begin your journey as a small business owner, guard your business for whatever could happen. That way you can handle any of those “what if” scenarios that come your way. A well-planned and protected business is one that will see success for many years to come.
Many organizations risk cyber-attacks as hackers continue to devise creative strategies to hack systems and manipulate data. Statistics show that 93 percent of businesses experience cyber-attacks from external sources. These attacks affect companies in various industries.
Unfortunately, many companies risk losing data, fines, and hefty penalties due to a data breach. In this case, it is imperative to prevent cyber-attacks today and in the future. Here is a guide to help you understand more about cybersecurity.
A cyber-attack occurs when criminals use tricks to access systems and networks and manipulate data. Hackers steal sensitive data and use it for personal financial gain and other malicious intentions. Cyber-attacks occur in different forms, such as phishing, malware, and ransomware.
Fortunately, there are multiple strategies that an organization can apply to prevent cyber-attacks. Below are several effective techniques.
Data encryption is a strategy of managing data to limit data access to the right people using a decryption key. It is a vital consideration to keep your data safe from unauthorized access. This means attackers won’t have access to your data, thus, preventing data attacks.
Weak passwords are among the main reasons businesses experience cyber threats. When employees create weak passwords, it makes work easier for online hackers since they can guess the passwords and access systems.
Never underestimate hackers because they are smart at stealing passwords and manipulating data. The best way to prevent this is to encourage your employees to create strong passwords.
There is no better way to identify potential cyber-attacks than auditing your IT infrastructure. You should schedule frequent audits from an IT expert to help you determine whether your systems are safe.
The expert will check and update software, systems, and servers and ensure the system is secure. You do not want to wake up one day thinking that your IT systems are safe and later experience cyber-attacks that can stall your operations in the long run.
Employees play a crucial role in preventing cyber-attacks. They have access to your IT infrastructure and other internal networks and can easily get tricked by hackers, leading to data loss and business disruptions. In this case, it is best to set up policies and procedures protecting your business and customers from a data breach. Once you create the guidelines, let every employee know and follow up to ensure full implementation and execution.
A security breach can lead to significant liability. You may need to pay a lot of money to recover your data, notify affected customers, and respond to claims against you as a result of the breach. The right cyber liability coverage can help.
A cyber liability insurance policy can help cover losses, enabling you to continue operations. Cyber insurance can help: – Recover or replace data or records – Pay for legal claims against your business – Help you prevent further breaches – Negotiate with ransom demands
Even if you have not yet encountered a cyber-attack, a cyber liability policy can help protect you if that day arrives.
The above information clearly shows that a data breach can stall your business operations because of huge fines, penalties, and other expenses. It is best to secure your business today and safeguard its future. Contact us today for a free consultation about insurance coverage.
Let’s move back in time when important decisions had to wait till a partner overseas could create time to travel for a meeting. This practice was detrimental to the growth of businesses and could cause a backlog of services, hence delaying productivity.
Now, things have taken a paradigm shift. Zoom, Google meets, and other great tools have played a vital role in ensuring that businesses run as usual. If you think you’ve seen it all, hold your horses for more is yet to be unleashed.
This post seeks to highlight how businesses benefit from these apps and, even better, indicate the future of video conferencing.
So what are the advantages of these apps?
One could argue that communication is effective as long as information passes from one employee to another. Unfortunately, an email or audio meeting cannot suffice as productive communication in some scenarios.
There is a need for people to interact one-on-one to ensure they discuss a matter appropriately. As such, video conferencing comes in handy.
With a video conference, clients feel appreciated, and one is likely to close a deal through a video conference. The same can’t be said about emails or any other form of communication that does not portray the true feelings of either party.
Further, it improves the relationships among colleagues, hence preventing tension in places of work. As such, employees feel comfortable airing their thoughts freely.
Businesses have cut costs in travel budgets, meaning such funds benefit the organization in other ways. Thanks to video conferencing, you don’t have to travel miles to have a 10-minute meeting in another city or country.
Further, employers can easily hire high-quality employees irrespective of their location.
Reporting is now simplified, irrespective of location. With video conferencing, hybrid teams can contribute to ongoing projects in real-time; hence everyone in the team contributes accordingly.
Video conferencing creates a desirable life and work balance. Research shows burnouts constitute a significant contributor to people quitting their jobs.
As such, employees work within comfortable working hours, hence reducing working burnout. It is easy to log in and work from wherever with video conferencing.
Members that could not give full attention to the meeting can record most of these calls, hence keeping every employee up to date with current happenings at the workplace.
Video call recordings are also a perfect way to keep track of important meetings with clients. It prevents a scenario where a vital project member misses out on the clients’ specifications.
Video conferencing is still big even after the pandemic, Statistics show that it is yet to explode into a much more prominent tool in the business world, even more, prominent than incredible tools such as Artificial Intelligence (AI), Robotics, Automation, and voice assistants.
Further, tools like Artificial Intelligence are likely to be incorporated into video conferencing to ensure efficiency. This advanced technology is already evident in how self-explanatory video conferencing tools have become and features that support easy navigation, even for beginners.
At this juncture, we can conclusively say, the pandemic forced the business world into incredible innovations that have become instrumental in changing the narrative of most businesses; they are now counting more profits than before.
It’s helpful to embrace video conferencing apps and incorporate the knowledge and skills of competent consulting firms like Insure Your Company.com. Our team of top-notch business insurance experts is always standing by to help you start directing your business on the right path. Contact us today for details on how video conferencing can benefit your business.
Anyone can recognize a highly engaged and motivated employee by sight. They are unique, productive, and never hold back when needed. Such employees always go the extra mile to help the business achieve its goals. The question that remains is, how is it possible to achieve such a level of motivation in business?
Motivated employees push themselves to these levels because they want to. There is no drive from external forces or supervision to work better. They get inspiration from what they do in the organization and feel connected to their goals.
As a leader, it would be best to look for ways to enable your employees to reach such levels of engagement and motivation. Napoleon Hill’s Law of Success Book raised the concept that employees should use their individual goals to push themselves out of their comfort zone and work selflessly to achieve company goals. As this is easier said than done, this blog post discusses how you can achieve such a high level of employee engagement and motivation in the workplace using your personal goals.
Typically, every employer knows that helping employees achieve goals is a critical part of their task as managers. Employees need to see how their work contributes to the general achievements of the organization and set the correct targets to meet their needs. Goal-setting is the most common mechanism used to provide ongoing feedback on processes and achievements by employees. By monitoring targets accurately and giving real-time feedback to employees, you can help to improve their performance and motivate them to achieve more.
Failure to meet goals will often result in consequences for both the business and the employee. The broader organization will suffer from unmet deadlines, low production, and poor customer service. According to Linda Hill, Professor of Business Administration at the Harvard Business School, managers need to offer ‘supportive autonomy’ appropriate to an individual’s abilities. The goal here is to be hands-on and give others room to succeed independently.
It is common for managers to neglect what employees are personally trying to achieve when carrying out their duties. However, experts say that by accounting for the interests of the whole person, you can get more value than just focusing on the working person.
For example, if you have employees interested in teaching, sculpt ways to include such opportunities in their daily operations. They can help train peers or other less experienced colleagues and feel satisfied in the long haul. They will stay motivated and transfer the essential skills across various departments in the company.
The first step to developing these personal goals and using them for employee engagements is identifying them. Ask the employees if they have any goals they’d like to share with you. It should be voluntary with no pressure as they should feel comfortable talking about them.
You can also request them to offer recommendations to enable the proper adjustments to help suit their goals. Just as with work goals, personal goals will contribute to the general team, unit, and company and affect how employees interact in the workplace. When it is a shared commitment, it is easy to create a mutual responsibility that allows seamless integration of skills in the workplace for optimized production and growth.
Every employee must understand the effectiveness of incorporating employees’ personal interests and professional goals to achieve high levels of success and productivity.
At InsureYourCompany.com, we can help you with tips to motivate your employees with benefits packages. Contact us today to learn more.
As a business owner, you may have to pay for your own health insurance if you are not covered under your spouse’s insurance. Because of this, you may also want to think about your employees. It is a good idea to offer health insurance for your employees.
Here are some reasons why you should offer health insurance for your employees.
Here are some of the most common types of health insurance plans that you may want to consider for your employees.
Confused and unsure about where to start? Here are some tips for choosing the right plan for your business.
Getting health insurance will only help your business. You will attract better employees, as well as keep them as healthy as possible. However, it can be confusing when trying to decide what will work best. You may want to talk to your employees, as well as an agent so that everyone feels good about the choice that you made.
If you want to make sure that you can feel good about the health insurance plan that you offer your employees, don’t hesitate to contact us today. We will be glad to talk to you about all of your options to ensure that you are getting the best deal for your employees.
As Americans, we are constantly watching the prices of things go up. Though we are used to some prices going up, there are many things that are going up astronomically. You may not be worrying about much more than putting food in your home and gas in your car. However, your insurance is also going to be affected, as the prices continue to rise.
The official definition of inflation is a loss of purchasing power over time. Basically, this means that the price of goods increases over time. It means that you will end up spending more money for your groceries and other goods that you buy on a regular basis.
Inflation happens on a regular basis. However, it seems to be really increasing right now, due to the pandemic. This is due to the disruption of the supply chains. Once everything started opening back up in 2021, the demand for goods made the prices go up even more.
You may be wondering what this means for you when it comes to your insurance and your needs.
It may come down to what the market value is on your home and other valuables. If you go by insurance values, you may not get enough money if something happens to it. You need to think about the market value of the object. Your home and automobile may be worth more now than when you first got it insured. You are going to want to check your plan to ensure that you will be paid properly if something happens.
You should work with an agent to get the best deal for your insurance. Your agent will be able to offer you several policies, explain why they are different, and help you figure out exactly what you need. He or she will be able to explain the difference between insurance and market value, to ensure that you feel happy with the plan that you choose.
It may help to talk to your agent about the inflation guard. They may have a clause in your insurance that will help to cover the increase in the cost of repairs, should your home, automobile, or valuables get damaged.
For this reason, many insurance companies recommend checking your policies regularly to ensure that you are fully protected. You should never get a policy and then forget about it for years. Instead, it is a good idea to check your policy at least once a year to make sure that you are protected. You don’t want to add on to your home, and then when you have a fire, realize that you never updated your policy. You will have to start all over (with your own money) in order to fix it.
As prices continue to rise, inflation continues to stress us out. We are spending more money than ever to fill up our gas tanks and put food in our bellies. Not only that, but everything else is getting higher too! However, we can’t forget about our insurance.
You need to check your policies at least once a year to ensure that you are fully protected. It may also help to work with an agent, to make sure that you get everything that you need (even if you didn’t realize that you needed it)!
If you are serious about getting the best deal for all of your insurance needs, don’t hesitate to contact us today. We would be glad to talk to you about what you need and how we can create a plan that is affordable for your budget.
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InsureYourCompany.com has been treating clients like family for over 15 years. You’ll never have to talk to an automated phone system—we have business insurance experts ready to provide personalized customer service, not only helping you with your insurance and employee benefits needs, but showing you how to be a smarter business owner.
If you are in the IT industry InsureYourCompany.com is the insurance agent you want to work with, we are technology insurance experts and have changed the way you do business. See below a list of professionals who we help today.
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We believe in supporting our clients through every step of the insurance process. From choosing the right coverage to filing a claim, we are here to offer guidance and support. Request a free quote today and get coverage that meets your unique needs.
