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Imagine you are at your job. You’ve been going about your normal routine and everything is going just as it should. Then, out of nowhere, a faulty piece of furniture causes you an injury that is going to keep you out of work for an extended period of time. This injury was no fault of yours, so you should not have to miss wages because of it. This is the exact reason workers’ compensation exists. While the basic concept is a simple one, there are numerous facts and details that you’ve probably never thought about at all. Take a few moments out of your day and read about where workers’ compensation started, and why it is so important today.
The idea of employees being compensated for lost wages seems like it would be an aspect of the modern workforce. You may be surprised to hear that it actually dates back centuries ago. Believe it or not, one of the first recorded workers’ compensation systems was put together by pirates. The high seas were a treacherous place and captains would reward their crew with extra gold if they suffered extreme bodily harm. This included the loss of a limb or an eye. If the pirate survived they would get their payment and would usually be given time to heal with lighter duties on the ship. While it may seem like a kindness given to loyal crew members, it was implemented to ensure the crew would face danger head on rather than retreat to avoid injury. With all the destructive and deceitful acts we know about pirates in general, it is amazing to learn about how organized they really were.
Workers were being taken care of for centuries all over the globe before America considered workers’ compensation a necessity. It was not until the early 20th century when serious discussions on the topic took place. The Industrial Revolution was in full swing, and so were work related injuries. Factory and railway workers were at a much higher risk of bodily harm because of their physically demanding jobs. Combine that with long hours and new, untested technology and you have a recipe for disaster. This was a time when all the advantage went to the employers and the workforce seemed to be easily replaceable. It was not until 1911 when thoughts of real compensation began. That very year, a factory fire that killed 146 workers brought their families to court. The verdict awarded each family only about $75 each. Today that would be just over $2,000. It was at this point that states began to reform their laws. It was a long and difficult process that went on until 1948 with Mississippi became the last state to get on board.
It was not until 1970 that the modern system we know today took effect. The Occupational Safety and Health Act (OSHA) was enacted to make sure employees got the training they needed to fulfill their positions responsibly. It also holds employers accountable for the health and safety of their staff. Since it was enacted, workplace injuries and lawsuits have dropped dramatically and created a better space for management and workers alike. It may have taken a long time, but then every state was finally on the same page.
A concept like workers’ compensation is never as simple as it seems. While the main goal is to make sure people are not left bankrupt after getting injured, it takes a good amount of thought and action to be fair to both sides. Pirates may have gotten the ball rolling, but it was time and knowledge that developed the system we have today. Innovation has always required a certain amount of sacrifice, thankfully, we no longer have to willingly endure the loss of a limb to be fairly compensated. There are so many interesting details in the world of compensation and insurance. Contact us today to learn more.
Starting a business comes with many questions. One of the first you will ask yourself is “Do I need insurance?” Many people will investigate options themselves relying on internet searches and things their friends said. I know talking to an insurance agent isn’t as fun as exploring the internet but when it comes to business and commercial insurance, understanding how to protect yourself is essential to success. Join us as we tackle the loaded question: Do I need insurance for my business?
It is rare for business owners to voluntarily procure a fully comprehensive insurance package that protects their business and employees from the many risks a new business may face. The topic of insurance usually comes up when a business owner is about to enter a business contract, which can be for their services, to lease office space, or to conduct business in a certain area that requires a certificate of insurance. This is the moment when business owners ask, “Do I need insurance for my business for reasons other than outside requirements?”
The answer is yes! Insurance is never a bad investment. Insurance will protect your business, property, and employees from the chaotic world we live in But you need to make sure you’re getting the right coverage. Even if you think your business is providing the same service as others might be, business operations from one to the next can be as unique as a fingerprint. The number of employees, the amount of property you own, and the location of your operations all play a part in how insurance can be optimized to protect you.
The first thing to look at, as with any endeavor, is your state’s laws. There may be laws that require businesses to maintain an active insurance policy always. Depending on the state, businesses with employees are required to have workers’ compensation. Workers’ compensation provides coverage for employees injured on the job and protects the business owner against a lawsuit from those injuries. Whether it’s required by law or not, if you are planning on hiring employees you should investigate the cost of workers compensation. Other examples of a state law requiring insurance are
The type of entity you are also factors into what kind of insurance you need. Companies that are registered as LLCs have different requirements than a company that is an S-Corp or C-Corp or a business that is considered a sole proprietorship. For example, it is required for an S-Corp to have workers’ compensation even if you do not have any employees but a single member LLC with no employees doesn’t need a policy. There are several other regulations that you may encounter be sure to check your specific state’s department of labor and Department of Insurance for requirements more details.
In the natural flow of doing business, you will likely run into someone who asks for your certificate of insurance. It could be a landlord, a contractor, a business partner or a government entity. To do business with them, you will need to provide a copy of your certificate of insurance that lists all of your active insurance coverages. If you plan on doing business, you will need insurance to have a certificate of insurance. Almost every business contract has an insurance requirement and those requirements will dictate what policies you need to get. Policies you should consider are Commercial General Liability, Umbrella Liability, Commercial Auto, Errors and Omissions also called Professional liability, Third-Party Fidelity Crime Bond, Surety Bonds, D&O, EPLI and more.
Running a business based on a product or service you provide can open you up to all sorts of claims and lawsuits. You have no control over what someone alleges you may or may not have done. The only thing you can do is make sure you’re protected if that day comes, so insurance should be a top priority for your new or existing businesses. If you find yourself asking if you need insurance, you are on the right path to good business ownership and success. When shopping for insurance, be sure that everything is explained to you. If it’s not, then maybe you are not speaking to the right people. Insurance isn’t complicated when you know what you are looking for. Contact a licensed insurance agent today and start protecting your dream.
Make no mistake; insurance might be the only thing that can keep your business afloat when a disaster strikes. Yet, 40% of businesses never reopen after such incidents.
At the same time, many business owners often cry foul when insurers deny their claims. They assume insurance companies only want their money and therefore act unfairly.
But in most cases, insurance companies have very good reasons for denials. The most cited reasons include:
The surest way to prevent it from happening to you is to never take chances with your business insurance. And it all starts with the broker you work with.
Unfortunately, some business owners don’t take time to find the right broker or agent because they “already have a broker.” It is not uncommon to find business owners switching brokers after things head south. According to a 2017 Broker Services Survey, most clients changed brokers due to timelessness and ineffective services.
Choosing an insurance broker for your business is like picking a business partner. Get the right partner and your business’ interests will be prioritized. But choose blindly and the chickens will surely come home to roost someday.
So, how can you know you have the right business insurance broker?
The business world today is highly specialized and competitive. And since your insurance broker is more of a partner, it’s imperative that he/she understands your industry very well. The good news is that some brokers specialize in particular industries.
Industry expertise ensures you secure the best coverage for your business at a reasonable rate because they understand the risks involved.
Studying the carriers a broker represents can tell you a lot. Great brokers usually get contracts with the best-rated carriers, so make sure your broker works with A-rated carriers.
It is also wise to look at the products your broker offers. As you do so, think about the future. As your business grows, your insurance needs will also expand. So make sure your broker has the products and expertise to grow with you.
Claim time is the most important point in any insurance policy. Finding a broker with a solid track record in handling claims is necessary. Therefore, ask your broker about the claim services they offer.
Ask them about past claims to gauge their level of experience. Brokers who have handled claims before have a greater understanding of the entire process. They are more likely to represent you well.
Other factors to consider when evaluating business insurance brokers include:
As you can see, finding the right broker for your business is not a walk in the park. Sitting comfortably and assuming you “already have a broker” is also too risky. So…
Rather than waiting for an incident to happen to evaluate your broker’s prowess, take action now. This can help you avoid thousands of dollars in fines and property damage.
So if you already have a broker but feel unsatisfied, here are signs to confirm it’s the right time to find a new broker.
Managing a business takes time and energy. No owner has the luxury of chasing down brokers for certificates of insurance (COI) and endorsements. So if your broker is not responding to your requests on time, it may be a good time to find a great broker.
Insurance policies can be extremely complicated. Studies show that people tend to choose the wrong insurance plans if they rely on their own judgment. So your broker should be your expert.
For instance, they should clearly tell you how the policies protect your business from certain risks. If not, find another broker.
Renewal is an important time when your risks are assessed for changes. There is, therefore, a high chance that your coverage and policy will change.
However, that doesn’t mean you’re kept in the dark about the process and details that necessitate the changes. If that happens to you, it’s time to shop elsewhere.
As mentioned earlier, omissions of important details can put your business in a bad spot when making a claim. So if you observe significant inconsistencies, it means your broker doesn’t pay attention to details and is jeopardizing your business.
Other signs to watch out for are:
Clearly, having business insurance is no longer a reserve for only giant companies. But to make the most of it, make sure you get a broker or agent who understands your business and its risks.
At Insure Your Company, we pride ourselves in helping you secure proper coverage and documentation to help you take your business to the next level. Contact us today to speak with our business insurance expert.
If you’re an entrepreneur, responsible for employees, or managing a small business understanding group health insurance is crucial.
Offering a high-quality health insurance plan to your employees might seem expensive at first, but it can save you thousands, if not millions of dollars in the long term.
Studies show that healthy workers are more productive, efficient and cost-effective. The Department of Labor reports that for every $1 invested in health insurance and wellness programs, small businesses can get up to $6 back. And group health insurance is one of the most appropriate options for small businesses.
Group health insurance refers to a medical coverage designed to help you, your employees and sometimes your dependents pay for expenses arising from healthcare.
Unlike individual plans, group health insurance plans are engineered to be more cost-effective for small businesses. And that’s just the tip of the iceberg. The coverage also offers the following benefits.
Any cost related to health insurance that an employer incurs is usually tax-deductible. Therefore, you can set things up in a way that your employees save tax money.
For example, with little paperwork, your employees can contribute to the health insurance cost on a pretax basis. That means you deduct premiums before taxes are calculated. And as a result, your employees take home more pay.
As an employer, you also enjoy benefits such as:
A study by Glassdoor reveals that employees consider health insurance as the most important benefit they can get from employers. In fact, most of them look at health insurance offered when deciding whether to accept a job offer or reject. So if you want to attract top-tier talent and retain them, you must offer the best coverage.
A study from the University of California found that offering health insurance and other wellness programs can offer up to 76% return on investment due to higher productivity.
As an employer, having focused and productive employees is a top priority if you’re going to take your business to the next level. Failure to do so will only keep your employees worried about their health and stressing about the burdensome process of enrolling in individual plans.
Other benefits of offering group health insurance to include:
Now that you know the benefits of offering group health insurance, let’s look at how you can choose the right plan for your business.
As mentioned earlier, healthcare coverage is essential for your business to succeed. But choosing the right plan can be dizzying. Why?
Unlike big companies, you don’t have enough resources to spend hours comparing plans. The good news is that you just need to consider the following factors to narrow down your search.
Employee demographics impact the type and cost of group health insurance for your business. Generally, most insurers look at the health history and ages of your employees before offering a quote.
Therefore, it is wise to be one step ahead to choose a plan that’s flexible enough to cover all your employees’ needs. Consider conducting an anonymous employee census or survey. Find information such as:
Remember, the HIPAA stops you from asking your staff sensitive information like personal health details. Also, you can’t disclose any health information about your staff to an insurer. So make sure your study is light and high-level.
The current low unemployment rate means small businesses have to devise new ways to compete for the few available talents. Although there are several ways to compete with peers in your industry, having an attractive health insurance policy is one of the best ways to lure high-quality talent.
So be sure to look at what your competitors offer. For starters, take a look at their careers sections. You will see what applicants are offered and then strive to either surpass, or match them.
You have to balance your workers’ needs with what you can afford. So make sure the premiums fall within your budget.
However, if you have less than 50 employees, you may not be legally required to contribute a certain percentage of your workers’ health insurance premiums. Also, you may qualify for small business tax credit if you enroll through SHOP Marketplace.
It is also important to understand the different types of plans that you can offer your employees. Generally, there are three:
Clearly, you must balance lower costs versus plan restrictions to pick the right plan for your business. To do so, think about your employees. Will they be frequent recipients who might be hesitant to use the plan because of restrictions?
Evidently, most employees mention health insurance as their top benefit from employers. Finding the right plan is, therefore, the best way to keep employees happy, engaged, and satisfied to reduce your turnover. For a small business, group health insurance is the right place to get started. Want to learn more? Contact Insure Your Company to speak with one of our industry experts.
No matter what type of business that you own, there are certain types of risk involved. As a financial services professional, you are in charge of sensitive information, which can expose you to a higher level of risk. Losing records, damage to your building, and other common risks are all a bit more daunting when you are a CPA. For these reasons, it is important to make sure that you have the right business insurance in place.
When it comes to choosing the right insurance as a CPA, there are several things to consider. A business owner’s policy is a good place to start as this will protect your accounting firm in much the same way that a home insurance policy protects your house and personal possessions. In addition, a business owner’s policy will also help protect against liability claims and property damage lawsuits.
A quality business owner’s insurance policy will provide you with three types of coverage:
It is possible that your company will need more coverage than what is offered by the basic business owner’s policy. As a CPA there are several types of additional insurance coverage policies to consider.
A small omission or error can lead to major consequences in the accounting profession or at a CPA firm. If you overlook an expense when preparing financial statements, this mistake could cost the client thousands of dollars. Your client may file a lawsuit against the firm based on this mistake. Errors and Omission policies can help cover the cost of your defense as well as any settlements pertaining to the lawsuit.
As a CPA, chances are that you store data from your customers as well as your employees. The data can be quite sensitive and include financial records, social security numbers, credit card numbers, bank information, etc. If this sensitive data is lost or is stolen, data breach insurance can help pay the costs related to the data breach such as:
While most information is now digitized, as a CPA firm there is a good chance that you keep a large number of paper records as well. This includes papers that your clients provide you when you are helping them with their accounting needs. A Valuable Papers and Records insurance policy will help cover the costs involved to reproduce important documents if they are damaged in any type of disaster such as a fire or a flood.
If you are a CPA, it is important to make sure that you have proper insurance coverage for your business. We have been helping businesses get the insurance that they need for many years. Contact us today to get started on finding the proper protections for your company.
When it comes time to choose a new vehicle for your business, you will have the option to either lease a vehicle or buy one new or used. Many people find buying a new car to be the best option as it provides them with the latest safety features, better onboard technology and greater fuel economy. However, with so many makes, models and dealers to choose from it can be difficult to know how to go about purchasing a new vehicle. To help make the process of buying a new vehicle for your business as simple as possible, here are a few tips to follow when buying a new car.
Your first step when searching for a new car would be to determine what kind of car you want and what features you would ideally like it to have. A great place to start when trying to decide what you want your new car to be like is to think about what you do and don’t like about your current car. Do you like your car’s size or do you want to go bigger/smaller this time? Is fuel economy a priority to you or is having the latest technology more important? Deciding what you want in a car can help you to narrow down your options moving forward.
Once you have a general idea of what you want your car to look like, you will need to consider your budget before you start looking at specific models. The fact is that car prices are on the rise and the average car purchased in the U.S. in 2019 cost $36,718 at an average interest rate of about 6%. You should then think about what you can realistically afford to spend on a new car and if you plan on financing your new vehicle you need to think about what monthly payment you can afford based on current interest rates. Determining a realistic budget can help point you toward a specific class of vehicles based on what you can afford.
Your next step will be to begin researching car brands and specific models as researching vehicle specifications can help you to find the right car for your business based on your wish list and budget. It can be helpful to research vehicle reviews, customer satisfaction with specific brands and safety ratings as you try to make your final decision.
Once you have a make and model in mind that you think will be a good fit for your business, you will next want to research local dealers to see where you may have the best chance of finding a reputable salesperson who can provide you with a good deal. You will also want to research the pricing of your desired vehicle before visiting any dealerships, as this will allow you to see what others have paid recently for your vehicle. This can also give you a chance to compare prices, giving you leverage as you try to barter with your preferred dealer.
You may also be able to save money by researching financing options and getting pre-qualified for a loan before you speak to a dealer. The fact is that dealers often make a large portion of their profit on financing and you may be able to find a better deal by going through your bank or credit union. Having a pre-approved financing offer already when you meet with a dealer can help you to find the best deal as it can give you leverage to negotiate with the dealer for a better financing option.
Of course, before you purchase a vehicle it is important that you talk to your insurance agent to find out how much it will cost to insure the vehicle you intend to purchase. The cost of auto insurance can have an effect on your overall budget and you will want to ensure that you can realistically afford to insure the vehicle you are considering.
If you are considering purchasing a new vehicle for your business, contact us to find out about business auto insurance options and the policies that you should consider investing in for your new vehicle.
At InsureYourCompany.com, we encourage our employees to give back and volunteer. There are many organizations and charities that need volunteers to get the help to the people who need it. Volunteering your time is one of the greatest donations you can make. With a small amount of time, your connection can make a huge difference in someone’s life. See firsthand the impact you can have by going out and volunteering today.
To show appreciation and to motivate other to volunteer we would like to highlight our employees who donated their time to Fulfill NJ, a non-profit organization that strives to alleviate hunger and build food security in Monmouth and Ocean Counties. Fulfill NJ addresses the root causes of hunger while creating real results that are life-changing for those in the community. There are many ways to support Fulfill, such as donating food or funds, hosting a fundraiser or by volunteering. To contact Fulfill by phone, call them at 732-918-2600 or you can visit their website at: https://fulfillnj.org/
Do you have workers’ compensation insurance? While failing to have such coverage in all states is against the law, the state of New York’s investigations and penalties are especially strict.
New York State Workers’ Compensation Board carefully oversees companies to ensure all employees have workers’ comp insurance.
All insurance companies providing services to businesses in New York must report whenever they issue and change the policy or if the holder cancels it. Accordingly, the Workers’ Compensation Board can easily check if your company pays for the required coverage. The Board coordinates its work with the Department of State and the Department of Labor.
What are the penalties for the lack of workers’ compensation coverage in New York? How can you avoid them?
It’s a business owner’s responsibility to purchase workers’ comp coverage according to the state law. Whether you’ve failed to buy the insurance or accidentally missed extending the policy, you may be subject to a penalty.
According to section 52 of NYS Workers’ Compensation Law, if you have five or fewer employees, failing to purchase workers’ comp coverage for them within one year is considered a misdemeanor. Your company may have to pay a fine between $1,000 and $5,000.
If you do the same for five or more employees, the offense turns into a felony. You have to be ready for a fine between $5,000 and $50,000. In case you fail to secure coverage again within five years, you may face a fine between $10,000 and $50,000 as well as other penalties. Such subsequent conviction is considered a class D felony.
Penalties apply for the entire period an employer had employees but failed to provide coverage.
According to section 131 of NYS Workers’ Compensation Law, each business owner should keep accurate records of the number of employees, their classification, wages, and worker compensation cases for four years.
In case an employer intentionally provides wrong information about payroll, employee duties or any other parameters that affect the calculation of premium, the company may be subject to a penalty of up to $10,000.
For payroll record misrepresentation, a business owner may face a fine up to 2,000 for every 10 days of non-compliance. Such actions could also lead to a criminal conviction.
According to section 141 NYS Workers’ Compensation Law, in case the employer fails to secure the compensation or pay a fine imposed according to sections 131 and 52, the business may receive a stop-work order, terminating all operations of the company.
Since penalties for not having a workers’ compensation coverage are so severe, it’s vital to make sure your company has it. Purchasing a workers’ compensation policy suitable for your employees and their families is the only way to avoid penalties.
To prevent unexpected punishment, you have to be careful about maintaining accurate records about employee duties and payroll. Even if concealing information is unintentional, it may be hard to prove it to the authorities.
And finally, if for some reason you’ve received an inquiry notice from the Workers’ Compensation Board, you must react as soon as possible. You can respond to the notice on the Board’s official website.
While abiding by the law and avoiding penalties seem to be sufficient reasons for purchasing workers’ compensation policy, they are hardly the only ones.
Accidents happen even in the safest workplace. Workers’ compensation insurance reimburses medical expenses and lost wages to your employees.
The potential costs of medical services and lost wages are gigantic. Having them covered by insurance could save your business. Furthermore, according to some policies, when employees take advantage of workers’ comp insurance-related benefits they agree not to sue your business for additional financial compensation related to the incident.
For more information about workers’ compensation insurance in New York and beyond, please contact us at any convenient time.
Deciding to hire an employee (or multiple ones) is a big step for a business owner. Hiring one or two people can really help your business grow. You may be able to make it bigger than you ever imagined.
However, hiring employees is more than just finding someone to work with you. You need to talk to your tax professional to ensure that you are paying adequate taxes. You also need to talk to your insurance company. You are going to need to have Employment Practices Liability, also known as EPLI.
EPLI is used to cover businesses against any claims that they may receive by their employees. These include claims from workers who feel like their legal rights have been violated in some way.
EPLI will protect your business against employee claims for many reasons. These include:
EPLI was created because the amount of lawsuits that are brought against employers is on the rise. Though this used to only occur with big companies, the truth is that smaller businesses aren’t immune.
Even though larger companies may be able to handle a lawsuit occasionally, one lawsuit could bankrupt a smaller one. This is the reason why Employment Practices Liability Insurance was created.
EPLI protects your business against any lawsuits that may be brought on by your employees. Your EPLI policy will cover any legal costs that may occur. They will pay whether you win or lose.
Unfortunately, even one lawsuit could destroy your business and shut you down. You could be facing fines and legal fees, costing your business thousands of dollars that it needs to keep going.
Depending on your insurance, EPLI may be added to your Businessowners policy, though some companies offer it as a stand-alone policy.
Either way, the cost of EPLI depends on multiple factors, including:
There are plenty of things that you can do to protect your business. Here are some things that you should do to help.
The best way that you can protect your business is by having enough insurance. It can be hard to know how much you really need so it is important to talk to a professional.
If you want to make sure that you (and your business) are protected, don’t hesitate to contact us today. We will be able to discuss your needs so that your business is protected.
If you’re a business owner, you know the importance of counting every penny so that your business can make a good profit. Paying as little taxes as possible can significantly help in making the best profit possible. Now that tax season is upon us, most business owners are scrambling to get their tax returns ready. Here are eight basic tax tips for businesses, along with some considerations and warnings.
One of the main mistakes small business owners make is not selecting the right corporate structure or entity. Just because you have a small business doesn’t mean you can’t become an LLC (limited liability company). This is a corporate business structure in which a business owner isn’t personally responsible for company debts or liabilities. By registering as an LLC, you can prevent having to pay a self-employment tax. Another benefit is it can give you additional tax benefits.
Although tracking your business expenses can seem overwhelming, it’s really easier now. For example, you can review your annual credit card expenses online since most credit cards have this information available on their websites. An even better way to have a record of every item you spend is by using software, such as Quicken or QuickBooks. These software aides give you a chance to see every deductible expense for a year as well as past years.
Using tax software, such as Tax Turbo and others, isn’t just an option when you run a small business. Instead, in today’s world, it’s a must-have item. In other words, ditch the paper tax forms. You’re much more likely to make mistakes when you use paper returns instead of using tax planning software.
It’s critical that you know about all the latest tax law changes. In fact, there are some changes, such the Jobs Act and the Tax Cut that can benefit taxpayers, while other changes won’t help you. By keeping updated with all the tax changes that occur throughout the year, you’re able to make better choices when preparing your tax return.
Be sure to deduct any auto expenses when using your vehicle for business purposes. Using an app to record your gas bills for business makes you more prone to not overlook your driving expenses. Apps are also useful in organizing your business trips. Furthermore, you can also deduct auto costs for driving your car for charitable purposes.
Take a hard look at IRS Section 199a and see if your business qualifies. This law, which went into effect the beginning of 2019, allows for as much as a 20 percent tax deduction for specific businesses, estates and trusts.
Another huge way to save on business taxes is taking advantage of tax-deferred retirement plans. This is a savings plan allowing taxpayers to delay paying taxes on money that’s been invested until it’s withdrawn after someone retires.
By hiring more independent contractors you can save money on your Medicare and Social Security taxes. However, just be aware of the legal requirements needed, so you won’t get in trouble with the IRS.
Having the right business insurance is critical. For all your commercial insurance and employee benefits, you can depend on the insurance pros at InsuranceYourCompany. Contact us to learn more at info@insureyourcompany.com.
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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.
