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# InsureYourCompany

Protection for your business, peace of mind for you.

## Sitemaps

- [XML Sitemap](https://insureyourcompany.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [First-Time Small Business Tax Filing Guide for Owners](https://insureyourcompany.com/blog/first-time-small-business-tax-filing-guide-for-owners/) - Learn how to file small business taxes for the first time. Master deadlines, deductions, and structural compliance with InsureYourCompany
- [What is gap insurance? How does it work for small businesses?](https://insureyourcompany.com/blog/what-is-gap-insurance-how-does-it-work-for-small-businesses/) - Learn what GAP insurance is, how it works for small businesses, and when commercial vehicle GAP insurance and business auto GAP insurance make sense
- [The Hidden Costs of Rideshares & Rentals for Small Businesses](https://insureyourcompany.com/blog/the-hidden-costs-of-rideshares-rentals-for-small-businesses/) - Learn the hidden costs of rideshares and rentals for small businesses, including coverage gaps, liability risks, and auto insurance needs
- [How E&O Insurance Saved Tech Businesses: Case Studies](https://insureyourcompany.com/blog/how-eo-insurance-saved-tech-businesses-case-studies/) - Real stories of how E&O insurance protected technology companies from costly claims. Learn from actual cases and protect your tech business
- [Workers Compensation Audits are Important to Understand for Businessowners](https://insureyourcompany.com/blog/workers-compensation-audits-important-understand-businessowners/) - Understand workers compensation audits, required documents, premium adjustments, and how business owners can prepare to avoid penalties or policy issues.
- [Life Insurance Strategies for Business Wealth Protection](https://insureyourcompany.com/blog/life-insurance-strategies-for-business-wealth-protection/) - Smart life insurance strategies help families and business owners protect income, debt obligations, business continuity, and long-term wealth. A policy should not sit apart from the rest of the financial plan. Instead, it should support the people, assets, loans, ownership interests, and future goals that depend on steady cash flow. For families, life insurance can
- [From Failure to Success: How Entrepreneurs Recover From Loss and Build Stronger Businesses](https://insureyourcompany.com/blog/how-entrepreneurs-recover-from-loss-and-build-stronger-businesses/) - Learn how entrepreneurs recover from loss, rebuild operations, manage risks, and protect future business growth with better planning.
- [Why Auto, Home, and Renters Insurance Matter](https://insureyourcompany.com/blog/why-auto-home-and-renters-insurance-matter/) - Learn why auto, home, and renters insurance matter for protecting belongings, savings, liability, and daily financial security.
- [Proven Tips for Small Business Owners in New Jersey to Succeed](https://insureyourcompany.com/blog/proven-tips-for-small-business-owners-in-new-jersey-to-succeed/) - Proven tips to grow and protect your small business in NJ - from smart hiring and cash flow to the right insurance coverage for your industry.
- [Top Business Insurance Deductions 1099 Contractors Can Claim](https://insureyourcompany.com/blog/top-business-insurance-deductions-1099-contractors-can-claim/) - Learn which premiums are deductible to maximize your self-employed tax savings. InsureYourCompany helps you track and write off insurance costs.
- [Understanding the Different Types of Life Insurance: Examples and Uses](https://insureyourcompany.com/blog/understanding-the-different-types-of-life-insurance-examples-and-uses/) - Learn the main types of life insurance with real examples, uses, and how to choose the right policy for your needs and budget
- [First-Party vs Third-Party Fidelity Bonds: What’s the Difference?](https://insureyourcompany.com/blog/first-party-vs-third-party-fidelity-bonds-whats-the-difference/) - First-Party vs Third-Party Fidelity Bonds, Not all fidelity bonds cover the same risks. Learn the key differences and find the right fit with InsureYourCompany.
- [What Happens If I Don’t Have Insurance on a Financed Car NJ?](https://insureyourcompany.com/blog/what-happens-if-i-dont-have-insurance-on-a-financed-car-nj/) - Find out what happens if you drive a financed car without insurance in NJ, including lender action, state penalties, and how to stay covered.
- [How to Protect Yourself Against Insurance Fraud](https://insureyourcompany.com/blog/how-to-protect-yourself-against-insurance-fraud/) - Learn How to Protect Yourself Against Insurance Fraud by spotting fake insurance scams, verifying providers, reporting fraud, and knowing what steps to take if your business is affected.
- [How to Request and Manage Certificates of Insurance Efficiently](https://insureyourcompany.com/blog/how-to-request-and-manage-certificates-of-insurance-efficiently/) - Stop chasing paper and automate your vendor insurance compliance. InsureYourCompany helps you track digital certificates to prevent gaps.
- [How Minimum Earned Premium Affects Your Insurance Refund](https://insureyourcompany.com/blog/how-minimum-earned-premium-affects-your-insurance-refund/) - Understand how policy cancellations affect your refund. InsureYourCompany explains minimum earned premiums to help you manage your business budget.
- [How Retroactive Dates Impact Claims-Made Liability Policies](https://insureyourcompany.com/blog/how-retroactive-dates-impact-claims-made-liability-policies/) - Learn how retroactive dates impact your claims. InsureYourCompany explains how to avoid coverage gaps and protect your past business projects.
- [Why Businesses Trust InsureYourCompany for Risk Protection](https://insureyourcompany.com/blog/why-businesses-trust-insureyourcompany-for-risk-protection/) - Learn why businesses trust InsureYourCompany for comprehensive risk protection, customized coverage, and proactive risk management services
- [Buying a New Car? Key Things to Check Before Driving Home](https://insureyourcompany.com/blog/buying-a-new-car-key-things-to-check-before-driving-home/) - Use this buying a new car checklist to review insurance, documents, and delivery checks before driving your new vehicle home.
- [What to Know About Insurance for Physicians in New Jersey](https://insureyourcompany.com/blog/insurance-for-physicians-in-new-jersey/) - Comprehensive guide to physician insurance in New Jersey, from malpractice to liability coverage, to protect your practice and career.
- [Key Insurance Policies Every Small Business Should Have](https://insureyourcompany.com/blog/key-insurance-policies-every-small-business-should-have/) - Discover must-have insurance policies for small businesses. Protect your team, assets, and operations from risks like liability, cyberattacks, and more.
- [Difference Between Tech E&O and Cyber Insurance](https://insureyourcompany.com/blog/difference-between-tech-eo-and-cyber-insurance/) - Compare Tech E&O vs Cyber Insurance. Learn coverage, benefits & how Insure Your Company helps protect against lawsuits, cyberattacks & data breaches.
- [Cyber Insurance: Here Are 10 Pitfalls To Avoid](https://insureyourcompany.com/blog/cyber-insurance-here-are-10-pitfalls-to-avoid/) - Learn the top 10 cyber insurance pitfalls to avoid and how to choose the right coverage to protect your business from evolving cyber threats.
- [Who Needs HNOA Coverage? Industries and Use Cases Explained](https://insureyourcompany.com/blog/who-needs-hnoa-coverage-industries-and-use-cases-explained/) - Learn who needs HNOA coverage, which industries rely on it, and key use cases to protect businesses from auto-related risks.
- [Entrepreneurial Mindset: Preparing for Legal and Professional Risks](https://insureyourcompany.com/blog/entrepreneurial-mindset-preparing-for-legal-and-professional-risks/) - Learn how an entrepreneurial mindset helps founders anticipate legal and professional risks and protect their business for long-term success.
- [Why Small Businesses Are Facing More Lawsuits Than Ever](https://insureyourcompany.com/blog/why-small-businesses-are-facing-more-lawsuits-than-ever/) - Learn why small businesses are facing more lawsuits than ever and how the right insurance from InsureYourCompany helps reduce legal risk.
- [Additional Insured vs Certificate Holder: What’s the Difference?](https://insureyourcompany.com/blog/additional-insured-vs-certificate-holder/) - Learn the difference between additional insured vs certificate holder, coverage rights, and when each is required.
- [Restaurant Business Survival: How Key Person Insurance Keeps Operations Running](https://insureyourcompany.com/blog/restaurant-business-survival-key-person-insurance/) - Learn how key person insurance protects restaurant operations by covering the loss of vital personnel, ensuring business continuity and financial stability
- [Term vs. Whole Life Insurance: Key Differences Explained](https://insureyourcompany.com/blog/term-vs-whole-life-insurance-key-differences-explained/) - Compare term vs whole life insurance, understand the difference, and learn how choosing the right life insurance policy protects your future.
- [Hospitality Cyber Risks: How to Protect Guest Data with Cyber Insurance](https://insureyourcompany.com/blog/hospitality-cyber-risks-how-to-protect-guest-data-with-cyber-insurance/) - Protect guest data in hospitality with cyber insurance for hotels. Learn about hospitality cyber risks and hotel data breach insurance.
- [Equipment Breakdown Insurance | InsureYourCompany](https://insureyourcompany.com/blog/equipment-breakdown-insurance/) - Learn how equipment breakdown insurance protects business equipment from unexpected failures, downtime, and costly repair expenses.
- [What Insurance Do You Need to Start a Construction Company in New Jersey](https://insureyourcompany.com/blog/what-insurance-do-you-need-to-start-a-construction-company-in-nj/) - Learn what insurance is required to start a construction company in NJ, including liability, workers comp, and compliance essentials.
- [The Essential Guide to Professional Liability Insurance for Healthcare Startups](https://insureyourcompany.com/blog/professional-liability-insurance-for-healthcare-startups/) - Protect your healthcare startup with professional liability insurance. Get a free quote from Insure Your Company today!
- [Navigating Business Risks: A Deep Dive into General Liability Insurance for Tech Companies](https://insureyourcompany.com/blog/navigating-risks-general-liability-insurance-for-tech-firms/) - Discover how general liability insurance safeguards tech companies against risks like lawsuits, property damage, and more, ensuring business continuity.
- [Understanding Workers’ Compensation Insurance: A Safety Net for Contractors](https://insureyourcompany.com/blog/understanding-workers-compensation-insurance-a-safety-net-for-contractors/) - Learn how Workers' Compensation Insurance acts as a safety net for contractors, covering injuries and protecting both workers and businesses.
- [Building Trust and Credibility: Why Professional Liability Insurance Drives Business Success](https://insureyourcompany.com/blog/building-trust-and-credibility-why-professional-liability-insurance-drives-business-success/) - Protect your business, build trust, and reduce risk with professional liability insurance that strengthens credibility and supports long-term growth.
- [Your Digital Shield: Why Cyber Liability Insurance Is Essential for Modern Businesses](https://insureyourcompany.com/blog/your-digital-shield-why-cyber-liability-insurance-is-essential-for-modern-businesses/) - Cyber liability insurance protects your business from data breaches, cyberattacks, and costly downtime. Learn why every modern business needs strong cyber coverage.
- [Strong Leaders, Safe Teams: Hidden Value of Workers' Compensation](https://insureyourcompany.com/blog/strong-leaders-safe-teams-hidden-value-of-workers-compensation/) - Strong leadership builds safer teams. Discover the hidden value of workers’ compensation in improving trust, reducing risks, and creating a strong workplace.
- [How Entrepreneurs Turn Ideas into Reality: A Step-by-Step Guide](https://insureyourcompany.com/blog/how-entrepreneurs-turn-ideas-into-reality-a-step-by-step-guide/) - Discover how entrepreneurs turn ideas into thriving businesses with smart strategy and protection. Contact Insure Your Company today.
- [Leadership Lessons: The True Value of Key Employees](https://insureyourcompany.com/blog/leadership-lessons-the-true-value-of-key-employees/) - Learn how key employees impact business stability and how leaders protect operations with key person insurance from Insure Your Company.
- [How Proper Insurance Accelerates Funding Opportunities for Startups](https://insureyourcompany.com/blog/how-proper-insurance-accelerates-funding-opportunities-for-startups/) - Discover how having the right insurance coverage boosts investor confidence, reduces risk, and helps startups secure funding faster.
- [Balancing Logistics and Risk: Lessons from Entrepreneurs in the USA](https://insureyourcompany.com/blog/balancing-logistics-and-risk-lessons-from-entrepreneurs-in-the-usa/) - Understand logistics risks and how Hired and Non-Owned Auto (HNOA) insurance protects entrepreneurs from liability and unexpected losses.
- [1099-MISC vs. W-2: What Are Your Responsibilities As A Business Owner?](https://insureyourcompany.com/blog/1099-misc-vs-w-2-business-owner-responsibilities/) - If you don’t know a Form 1099 from a W-2, you and your business could be at risk. Each form has a different purpose, and employers have to handle each in its own way based on how the IRS lays out firm business owner responsibilities—and penalties.
- [Who Gets the Key Person Disability Insurance Payout? Complete Guide for Businesses](https://insureyourcompany.com/blog/who-gets-the-key-person-disability-insurance-payout-complete-guide-for-businesses/) - Learn everything about the key person disability insurance payout, who benefits, how it works, and why it’s essential for your business’s stability.
- [What Role Does Professional Liability Insurance Play for Firms That Provide Services?](https://insureyourcompany.com/blog/role-of-professional-liability-insurance/) - Learn how professional liability insurance protects service-based firms from legal claims. Get a personalized quote from Insure Your Company today!
- [Work While Receiving Workers' Comp or Unemployment?](https://insureyourcompany.com/blog/work-while-receiving-workers-comp-or-unemployment/) - Discover if you can work while receiving workers' comp or unemployment benefits. Learn the rules and income limits with Insure Your Company.
- [Licensed, Bonded, and Insured: Why It Really Matters?](https://insureyourcompany.com/blog/licensed-bonded-and-insured-why-it-really-matters/) - Learn why hiring a licensed, bonded, and insured contractor is crucial for your protection. Get the right coverage with Insure Your Company today!
- [What Is Business Insurance & Why Your Business Needs It?](https://insureyourcompany.com/blog/what-is-business-insurance-why-your-business-needs-it/) - Discover what business insurance is, why it's essential for protecting your company, and how it helps safeguard your assets against unexpected risks
- [Why Every Small Business Needs Hired and Non-Owned Auto Liability Insurance](https://insureyourcompany.com/blog/hired-non-owned-auto-coverage-small-business/) - Learn why small businesses need hired and non-owned auto liability insurance to stay protected. Discover risks, coverage benefits, and top cybersecurity threats in 2025.
- [Cyber Threats Rising: How Cyber Insurance Protects Businesses](https://insureyourcompany.com/blog/cyber-threats-rising-how-cyber-insurance-protects-businesses/) - Cyber threats are increasing rapidly. Discover how cyber insurance protects businesses, ensuring financial, data security in today's digital landscape.
- [What is Technology Errors and Omissions Insurance?](https://insureyourcompany.com/blog/what-is-technology-errors-and-omissions-insurance/) - Learn how Technology Errors & Omissions Insurance protects IT professionals from lawsuits, software failures, and negligence claims. Get covered today!
- [Independent Contractor Insurance: Essential Guide for Freelancers](https://insureyourcompany.com/blog/independent-contractor-insurance-essential-guide-for-freelancers/) - Learn the essential insurance types freelancers need to protect income, manage risks, and keep their business secure with tailored coverage options.
- [Commercial Auto vs. Hired and Non-Owned Auto Insurance: What’s the Right Coverage for Your Business?](https://insureyourcompany.com/blog/commercial-auto-vs-hired-and-non-owned-auto-insurance/) - Compare Commercial Auto and HNOA auto insurance to find the best vehicle coverage for your business. Learn which policy fits your business needs.
- [Tech Company Insurance: Leading Coverage](https://insureyourcompany.com/blog/tech-company-insurance-leading-coverage/) - Technology companies need the right insurance coverage to safeguard against legal risks, cyberattacks, and other threats to ensure long-term security & success.
- [How To Fill Out a Health Insurance Enrollment Form](https://insureyourcompany.com/blog/how-to-fill-out-a-health-insurance-enrollment-form/) - Health insurance forms can be very complicated and just the slightest error can be costly. You'll have to provide a lot of personal information including, but not limited to social security number, martial status, proof of prior coverage, dependencies (and their social security numbers), medical history, prescription medications and more. When filling out your name
- [What is Tail Coverage in Professional Liability Insurance?](https://insureyourcompany.com/blog/what-is-tail-coverage-in-professional-liability-insurance/) - Protect your business with tail coverage insurance. Learn how this vital insurance keeps you covered after your professional liability policy ends.
- [Action Over Coverage Insurance? A Must-Have for Contractors and Employers](https://insureyourcompany.com/blog/action-over-coverage-insurance-for-contractor/) - Subcontractor injury lawsuits can derail your business. Get tailored action over coverage from Insure Your Company to stay protected and compliant.
- [Q&A: Is Workers' Comp Insurance Required in New Jersey?](https://insureyourcompany.com/blog/qa-is-workers-comp-insurance-required-in-new-jersey/) - Is workers' comp insurance required in NJ? Yes—learn why it's essential, who needs it, and how to stay compliant.
- [Key Person Insurance Quote for Small Business | Insure Your Company](https://insureyourcompany.com/blog/key-person-insurance-quote-for-small-business/) - Protect your business from unexpected loss. Learn how key person insurance works, get real quotes, and secure your company's future today.
- [How Small Businesses Are Managing Auto Risks Without Owning a Fleet](https://insureyourcompany.com/blog/how-small-businesses-are-managing-auto-risks-without-owning-a-fleet/) - Check out powerful strategies for managing auto risks without owning a fleet. Actual Insurance Tips for Protecting Your Small Business from Costly Accidents.
- [Types of Business Insurance and Why Every Business Needs](https://insureyourcompany.com/blog/types-of-business-insurance-and-why-every-business-needs/) - Explore essential types of business insurance and protect your company from risks. Safeguard your assets, manage liabilities, & with the right coverage.
- [Cyber Insurance to Protect Your Business from Digital Threats](https://insureyourcompany.com/blog/cyber-insurance-to-protect-your-business-from-digital-threats/) - Safeguard your business with cyber insurance. Protect against hacking, data breaches, and ransomware attacks. Stay secure and recover fast.
- [E&O Insurance: A Game Changer for Real Estate, Tech, and Legal Professionals](https://insureyourcompany.com/blog/eo-insurance-for-real-estate-tech-and-legal-professionals/) - From real estate to tech and law, see how E&O insurance shields your business from costly errors. Insure Your Company provides coverage designed just for you.
- [Understanding Professional Liability Insurance for Consultants](https://insureyourcompany.com/blog/understanding-professional-liability-insurance-for-consultants/) - Learn why professional liability insurance is essential for consultants. Protect your reputation, finances, and future with the right coverage today.
- [Key Person Disability Insurance: Costs, Coverages & How It Works](https://insureyourcompany.com/blog/key-person-disability-insurance-costs-coverages-how-it-works/) - Learn how Key Person Disability Insurance protects your business if a vital team member becomes disabled. Learn what it is, how it works, and why it matters.
- [What Is Product Recall Insurance? Protect Your Business Today](https://insureyourcompany.com/blog/what-is-product-recall-insurance-protect-your-business-today/) - Learn about product recall insurance, how it protects your small business financially, the typical costs involved, and why it's crucial in today's market.
- [Key Person Insurance for Restaurants: How to Secure Your Culinary Team’s Future](https://insureyourcompany.com/blog/key-person-insurance-for-restaurants/) - Ensure your restaurant's future with key person insurance. Protect chefs & essential staff from financial risks & keep your business running smoothly.
- [Ultimate Guide to Picking the Right Auto Insurance Policy](https://insureyourcompany.com/blog/ultimate-guide-to-picking-the-right-auto-insurance-policy/) - It's a smooth drive on a clear day, everything appears to be going well, and then suddenly—there's a roadside issue: a flat tire, a minor accident, or some other problem. That is when you'll really need good, well-organized car insurance coverage. There are too many selections and terms to negotiate one's way among. Finding the
- [5 Tips to Save on Auto Insurance Premiums](https://insureyourcompany.com/blog/tips-to-save-on-auto-insurance-premiums/) - For most people, having a vehicle entails more than just being able to move from one location to the other; it represents the hard work they put in and their dreams. However, sometimes ensuring that assets are protected comes at a steep cost. With so many people owning a vehicle, the price spread on automobiles
- [Tech Startups & Liability Risks: How General Liability Insurance Protects You](https://insureyourcompany.com/blog/general-liability-insurance-protects-tech-startups/) - Starting on the journey of establishing a tech business encompasses stimulating ideas, competent teams, and lofty ambitions. But along with such opportunities come inherent risks. Indeed, the very nature of a tech startup- working on new technologies, developing software, and managing data- is a gateway for many liabilities. Failing to navigate those risks without proper
- [Professional Liability Insurance for Healthcare Staffing Agencies](https://insureyourcompany.com/blog/professional-liability-insurance-for-healthcare-staffing-agencies/) - In running a healthcare staffing agency, there are rewards and challenges. You would connect with skilled professionals with medical facilities in pursuit of quality patient care. But what if something goes wrong? An instance of miscommunication, An administrative error or a dispute involving a healthcare worker you placed in a facility could lead to significant
- [How to Reduce Workers’ Compensation Costs for Contractors: Best Strategies](https://insureyourcompany.com/blog/workers-compensation-costs-for-contractors-best-strategies/) - If you’re a contractor, you already know that workers’ compensation insurance is a necessity—but you also know it can be one of your biggest expenses. No one wants to see their hard-earned revenue drained by high insurance costs, but at the same time, ensuring that employees are protected is non-negotiable. The question is: How can
- [Save Money on Home Insurance Without Compromising Coverage](https://insureyourcompany.com/blog/save-money-on-home-insurance-without-compromising-coverage/) - Getting insured is mandatory management prescribed for the safety of any house, which is the most valuable asset to any individual, not easily accessible. Well, let's not fool ourselves: Home insurance could really feel akin to digging away at one's budget. So, how can one be covered without having to pay through the roof? The
- [Benefits of Home Insurance: Why Every Homeowner Needs It](https://insureyourcompany.com/blog/benefits-of-home-insurance-why-every-homeowner-needs-it/) - Homeownership can mean anything, from a small apartment to a big house in the suburbs. A home is a safe haven, an investment, and a space full of memories. Have you ever thought about what would happen if something terrible happened? This is where the benefits of home insurance come in as a financial lifesaver.
- [Cyber Liability Insurance: Great Protection for Small Businesses Against Digital Threats](https://insureyourcompany.com/blog/cyber-liability-insurance-protect-small-businesses-from-threats/) - Just imagine managing your digital records as a small business owner with the reassurance that everything is safe and secure. One out of many mornings, you receive a message- the compromise of your systems. Client data, employee records, and even your financial details all hang in the balance. Suddenly, everything turns chaotic. What will be
- [Complete Insurance Solutions for Tech & Small Business Protection](https://insureyourcompany.com/blog/complete-insurance-solutions-for-tech-small-business-protection/) - These days, many problems arise that affect most businesses-from shifting trends in the marketplace to sudden risks that may result in loss or damage. For tech entrepreneurs or small business owners, protecting a business from the unexpected has become a default requirement rather than a luxury. Can you imagine the utter agony of putting all
- [Key Person Insurance: Protect Your Business from the Unexpected Loss of Key Talent](https://insureyourcompany.com/blog/key-person-insurance-safeguard-your-business-from-talent-loss/) - Imagine your business is thriving; projects are flowing, and everything is running as it ought to be, thanks to a few very skilled individuals who are an integral part of the company's success. But what if one of those individuals were suddenly unable to work due to death or disability? The impact could be devastating.
- [The Importance of Hired and Non-Owned Auto Liability Insurance  for Small Businesses](https://insureyourcompany.com/blog/hired-non-owned-auto-insurance-small-businesses/) - Every little small scale business has to face its share of challenges, and risk management is perhaps the chief. For instance, picture an employee making a work-related errand and getting into an unfortunate accident. Property damages or injury to another person can lead to expensive lawsuits. But, here is the good news: you did not
- [General Liability Insurance for Small Businesses Protect Your Company Against Liability Risks](https://insureyourcompany.com/blog/general-liability-insurance-for-small-businesses-protect-your-company/) - Starting the journey of entrepreneurship is an exhilarating experience, filled with a balanced mix of challenges, opportunities, and risks. As an business owner one aims at realizing a vision, but simply achieving that, the business operations you are in, are associated with potential liabilities on a daily basis, ranging from accidents, property loss and even
- [Protect Your Business Integrity: Everything Small Businesses Need to Know about Errors & Omissions Insurance](https://insureyourcompany.com/blog/errors-omissions-insurance-for-small-businesses/) - Owning a business comes with its fair share of challenges, requiring a delicate balance between strategic planning, efficient operations, and delivering exceptional customer experiences. One of the most important which unfortunately is oftentimes deserted is the protection from unforeseen legal claims. In an increasingly litigious society, even minute mistakes can end in prohibitive lawsuits that
- [A Complete Overview to Workers' Compensation Insurance for Small Businesses](https://insureyourcompany.com/blog/workers-compensation-insurance-for-small-businesses/) - Managing a small business comes with its fair share of responsibilities and challenges. Between expanding your business, building a loyal and dedicated team, and ensuring exceptional value for your customers, there’s little room for error. But what could possibly happen when an unexpected event occurs-such as an injury in the workplace? Just one incident without
- [The Essentials of Professional Liability Insurance: Protection for Modern Businesses](https://insureyourcompany.com/blog/the-essentials-of-professional-liability-insurance-protection-for-modern-businesses/) - Managing a small business is both fulfilling and demanding. You invest your time, money, and resources to ensure that your clients receive the best services from you. However, no matter how experienced or careful you are, there is a chance that you can make a mistake. Consider a situation where a financial loss occurs to
- [Choosing the Best E&O Insurance: Essential Tips for Technology Professionals](https://insureyourcompany.com/blog/best-e-o-insurance-essential-tips-for-technology-professionals/) - You’ve just completed a major project for a client—a new software release that promises to simplify their operations. But a few weeks later, your customer experiences a system failure and blames your business for the data loss. Now, you are threatened with legal action, and face potential financial and reputational damage. What do you do?
- [Expert Tips for Managing Workers Compensation Insurance Costs](https://insureyourcompany.com/blog/expert-tips-for-managing-workers-compensation-insurance-costs/) - Managing people’ compensation insurance is an important responsibility for small enterprise owners. Whether you're a startup or were in the sport for years, defending your staff even as controlling coverage costs can feel like a balancing act. But right here's the good news: information people’ compensation insurance doesn’t need to be complicated, and with a
- [The Impact of Lawsuits on Businesses Without General Liability Insurance](https://insureyourcompany.com/blog/lawsuit-risks-for-businesses-without-general-liability-insurance/) - Running a small business faces many challenges and unknown outcomes. Business owners can face expensive lawsuits due to accidents, injuries, and unexpected incidents every day. While most business owners hope to avoid legal trouble, lawsuits can arise from even the most mundane situations. The consequences of these lawsuits can be devastating without general liability insurance
- [General Liability Insurance vs. Professional Liability Insurance](https://insureyourcompany.com/blog/general-liability-insurance-vs-professional-liability-insurance/) - When running a business, you should understand the general liability insurance vs. professional liability insurance, which is important for business owners. This will protect your business operations from unexpected events like property damage, employee injuries, and legal claims. It is also necessary to secure your assets, liabilities, and employees. When you have appropriate insurance coverage,
- [5 Insurance Policies That Your LLC Needs](https://insureyourcompany.com/blog/5-insurance-policies-that-your-llc-needs/) - 5 Insurance Policies That Your LLC Needs 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,
- [Business owners need to protect their personal and business assets](https://insureyourcompany.com/blog/business-owners-need-to-protect-their-personal-and-business-assets/) - Being a business owner means enormous opportunity, but it also means putting yourself at risk. You are at risk from litigants, creditors and other potential threats that can take your assets and your time. For most people that is reason enough to avoid the hazards of business ownership. But for those with a true entrepreneurial
- [Least Privilege, Zero Trust, and Your Business Data Access Management](https://insureyourcompany.com/blog/least-privilege-zero-trust-and-your-business-data-access-management/) - You have likely heard that your business cybersecurity needs to run on least privilege, zero-trust, and make use of data access management. But what does this really mean, and how do these methods offer an essential layer of internal data protection? Authorization and Access Management Every employee is also an entity in your data system.
- [How To Prepare Your Business For Long-Term Success](https://insureyourcompany.com/blog/how-to-prepare-your-business-for-long-term-success/) - 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
- [Workers Compensation and New York State](https://insureyourcompany.com/blog/workers-compensation-and-new-york-state/) - Workers Compensation and New York State In the hustling bustling world of technology, there was a savvy business owner named Alex who ran a successful IT company. Alex's business thrived on innovation and efficiency, and their team of skilled professionals was the backbone of their success. One day, as the company continued to expand, Alex
- [Crucial Shield: Professional Liability Insurance for IT Consultants](https://insureyourcompany.com/blog/the-crucial-shield-professional-liability-insurance-for-it-consultants/) - IT consultants need professional liability to protect your business. Learn what professional liability is, how it protects your business, and what coverages you should look for.
- [Easy Way to Keep Employees Motivated and on Track with Personal Goals](https://insureyourcompany.com/blog/easy-way-to-help-employees-stay-on-track/) - 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
- [Demystifying Insurance Adjusters: Protecting Your Tech Business](https://insureyourcompany.com/blog/demystifying-the-role-of-an-insurance-adjuster-safeguarding-your-tech-business/) - In the fast-paced world of technology, businesses are constantly evolving, pushing boundaries, and innovating. However, amidst this progress, unforeseen events can disrupt even the most meticulously planned ventures. This is where insurance comes to the rescue, and at the heart of insurance claims lies the pivotal figure of an insurance adjuster. In this article, we
- [Independent Tech Consultants and Contracts: Ensuring You Are Covered](https://insureyourcompany.com/blog/independent-tech-consultants-and-fully-executed-contracts-making-sure-you-are-covered/) - As an independent tech consultant, you engage in short-term and results-oriented work. This type of work is usually accompanied by a consulting contract, which is a vital document that outlines the terms and conditions of your engagement with clients. Understanding the concept of a fully executed contract is crucial to protect your rights and ensure
- [Finding the Right Recruiting Agency for Your Dream Tech Job](https://insureyourcompany.com/blog/finding-the-right-recruiting-agency-to-help-you-land-the-tech-job-of-your-dreams/) - Getting a decent job in the tech industry can be a hassle. You may have already experienced this, having sent countless application letters, made necessary adjustments to your resume, and attended numerous networking events, but still unsuccessful. You should consider working with a tech recruiting agency if this has happened to you. Here is all
- [4 Tips for Writing Off Home Office Expenses for Contractors](https://insureyourcompany.com/blog/protecting-technology-professionals-the-importance-of-workers-compensation-insurance/) - In the fast-paced and ever-evolving world of technology, businesses are driven by the skills and dedication of their workforce, especially their valuable tech professionals. However, with innovation and progress comes an inherent risk of workplace accidents and injuries. This is where workers' compensation insurance steps in to safeguard both employees and employers. In this blog
- [4 Tips for Writing Off Home Office Expenses for Contractors](https://insureyourcompany.com/blog/4-tips-for-writing-off-home-office-expenses-for-independent-contractors/) - 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
- [Is Insurance Worth It for IT Professionals? A Business Guide – Part 1](https://insureyourcompany.com/blog/is-insurance-worth-it-for-it-professionals-a-comprehensive-guide-for-businesses-part-1/) - Success and failure are separated by the length of a human hair. You can have all of the skills, all of the talent, and education in the world and but some things cannot be predicted or overcome. In those moments business owners need help to keep their business upright and able to move forward. This
- [Legal Costs of Data Breach: One Break Can Spell Disaster](https://insureyourcompany.com/blog/the-legal-costs-of-a-data-breach-how-one-break-can-spell-disaster/) - Hackers and computer viruses are everywhere. Even the best, most skilled, and most conscientious organizations in the world occasionally experience data breaches. Even the federal government's Office of Personnel Management has experienced problems. In 2015, hackers broke into this well-secured agency's databases to steal confidential information about federal employees. The legal costs of a data breach can be
- [1099 Tax Deductions Independent Contractors Need to Know](https://insureyourcompany.com/blog/1099-tax-deductions-what-every-independent-contractor-needs-to-know/) - Working as an independent contractor comes with great benefits: flexible schedules, choosing your own work, and occasional work sessions in pajamas are favorite perks among freelancers. At tax time, however, independent contractors often get the short end of the stick, partly because they don't always know how to take advantage of 1099 deductions.
- [3 Steps To Finding The Right Accountant For Your Business](https://insureyourcompany.com/blog/3-steps-to-finding-the-right-accountant-for-your-business/) - Business owner responsibilities include choosing an accountant when the business's finances are in need of expert help. Sometimes you just want to improve the financial function of your business overall. Or perhaps your accounting software isn't providing the type of data you need to grow your business. No matter what the reason is for needing an accountant, you'll want
- [Ways to Get the Most Out of Your Small Business Advertising](https://insureyourcompany.com/blog/3-ways-to-get-the-most-out-of-your-small-business-advertising/) - Advertising your small business can be a difficult proposition. Faced with limited funds, small business owners tend to gravitate toward saving budget and focusing on face-to-face interactions to spread the word about their products and services. While these interactions are undoubtedly important for businesses in any industry, they are not enough to allow your business
- [Certificate of Insurance: Providing Proof and Peace of Mind](https://insureyourcompany.com/blog/c-o-i-certificate-of-insurance-providing-proof-and-peace-of-mind/) - What is an Additional Insured? The insurance policy adds a party, typically through endorsement, to extend coverage beyond the original policyholder, which is known as an additional insured. When the insurance policy names an entity or individual as an additional insured, they receive protection for specified liabilities or claims that arise from the actions
- [Things You Need To Know About Errors And Omissions Insurance](https://insureyourcompany.com/blog/4-things-you-need-to-know-about-errors-and-omissions-insurance/) - "Errors and omissions insurance." Doesn’t sound very exciting, does it? Not exciting, that is, until you need it. Or, worse, until you need it only to find you don't have it. If that happens to you or your company, you’ll probably experience more excitement than you can stand. Although this type of insurance has been around for several decades, many risk managers and independent contractors alike are still unsure of what errors and omissions insurance does (and does not) cover, or if it’s something their business needs.
- [Keep Overhead Low for Small Business Startups](https://insureyourcompany.com/blog/how-to-keep-low-overhead-for-small-business-startups/) - 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
- [Future of Video Conferencing: 4 Business Enhancements](https://insureyourcompany.com/blog/the-future-of-video-conferencing-4-ways-it-enhances-your-business/) - 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
- [Two Left Gloves?](https://insureyourcompany.com/blog/two-left-gloves/) - Alan deals with a problem with his recently purchased work gloves.
- [Starmark Healthy Incentives PPO 250 Plan](https://insureyourcompany.com/blog/starmark-healthy-incentives-ppo-250-plan/) - Calling all folks who are enrolled in the Starmark PPO 250 Plan take note. Watch our video where we're describing in detail how this Starmark plan works.
- [We Try: Get the best health insurance rates](https://insureyourcompany.com/blog/we-try-get-the-best-health-insurance-rates/) - at the end of the day, you want an insurance agency that is going to try to get your technology company the best rates. watch our latest video on how we're trying to help one of our clients get health insurance for...just a few of his employees!
- [Healthcare Reform: What My Business Can Do Now](https://insureyourcompany.com/blog/healthcare-reform-what-my-business-can-do-now/) - Like it or not, healthcare reform has passed and the first portion of the bill, the patient protection portion is implemented. New group health insurance plans that are started after September 23rd of this year will have a whole set of new protections that will expand coverage, but unfortunately may increase your rates. The costs
- [Why Health Insurance is Expensive](https://insureyourcompany.com/blog/why-health-insurance-is-expensive/) - An explanation of why health insurance is expensive in America and an overview of current health care reform and other possible fixes that may alleviate high prices.
- [How to Read a Certificate of Liability Insurance](https://insureyourcompany.com/blog/how-to-read-a-certificate-of-liability-insurance/) - General instructions on how to read a certificate of liability insurance. Video covers understanding of the different sections of the form and how to tell what the individual limits for each liability insurance purchased are. *Video uses 2009 version of the Accord 25 form commonly referred to as a certificate of liability insurance. 2010 version
- [What is an Insurance Agent?](https://insureyourcompany.com/blog/what-is-an-insurance-agent/) - An insurance agent, also referred to as an insurance broker, is your local representative to any number of insurance companies. An agent must be licensed by a state board before he or she can legally sell insurance policies. There are two types of insurance agents; captive and independent. Captive insurance agents only represent one insurance
- [Why do my insurance premiums change every year?](https://insureyourcompany.com/blog/why-do-my-insurance-premiums-change-every-year/) - In most cases, insurance policies are in force for one year and need to be renewed to continue coverage. Insurance companies base their rates in part on cost of living as well as other factors to determine how much premium to charge. At our technology insurance agency, we like to explain to our clients what
- [What is a Certificate of Liability Insurance?](https://insureyourcompany.com/blog/what-is-a-certificate-liability-insurance/) - A certificate of liability insurance is a one page document that verifies the existence of insurance coverage. The certificate includes the insured party’s name, the insurance company’s name, the policy number, the effective /expiration date, the type of insurance coverage and dollar amount. With this one piece of paper you can provide extensive details about
- [Transferring Risk from Businesses to Insurance Companies](https://insureyourcompany.com/blog/transferring-risk-from-businesses-to-insurance-companies/) - Commercial General Liability (CGL) is a form of property and casualty insurance that business should have to protect them against liability claims. It mitigates the risks and costs associated with a business being sued. Instead of liability claims resulting in expensive and timely litigation, the risk is transferred to the insurance carrier that the policy
- [Tips for filing an insurance claim](https://insureyourcompany.com/blog/tips-for-filing-an-insurance-claim/) - Believe it or not, most businesses rarely have to ever submit a claim to their insurance company. But, when property is damaged or liability issues arise you will need to file a claim with your insurance company. This is the way in which insurance carriers determine if a policyholder’s claim is covered under their business
- [ 7 Benefits of Having a Certificate of Insurance](https://insureyourcompany.com/blog/7-benefits-of-having-a-certificate-of-insurance/) - Certificates of Insurance are not often top-of mind. You may not even know where it is or how to get one. However, this document benefits your business more than you may know. It’s not just a piece of paper; it is evidence of the insurance your company has in place. Our number one customer service
- [How to Handle Social Media Complaints From Your Customers](https://insureyourcompany.com/blog/how-to-handle-social-media-complaints-from-your-customers/) - Every business, no matter how attentive to quality and consumer experience, finds itself faced with an unhappy customer sooner or later. While in days gone by, this might have resulted in a strongly worded letter or email to the company and negative word-of-mouth from the customer to his or her social circle, today's customer with
- [Good Business Practices To Avoid Advertising & Social Media Liability Issues](https://insureyourcompany.com/blog/good-business-practices-to-avoid-advertising-social-media-liability-issues/) - Regardless of your current social media status, there are major considerations that must be kept in mind. Here’s a close look at good business practices you can follow to help avoid advertising and social media liability issues.
- [International Business Insurance Explained](https://insureyourcompany.com/blog/international-business-insurance-explained/) - 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 York State Disability Insurance: Make Sure You're Covered](https://insureyourcompany.com/blog/new-york-state-disability-insurance-make-sure-youre-covered/) - Are you an employer with employees working in New York State? If so, you need New York Disability Insurance for your employees. Disability insurance provides cash benefits to a worker who is disabled by an injury outside of work or who can't work due to pregnancy. It's different from Workers' Compensation, which covers on-the-job injuries.
- [What does Licensed Bonded and Insured mean?](https://insureyourcompany.com/blog/licensed-bonded-and-insured/) - In the business realm, understanding the precise definition and significance of words and terms is crucial, especially when interacting with employees and clients. However, the challenge arises when, depending on the industry, similar terms, words, and phrases can take on diverse meanings. So, what exactly does being "Licensed, Bonded, and Insured" signify, particularly when discussing
- [Impact of Inflation on Insurance: All You Need to Know](https://insureyourcompany.com/blog/impact-of-inflation-on-insurance-all-you-need-to-know/) - Inflation is a rising price level of goods and services. In the United States, the Consumer Price Index(CPI) measures inflation. The CPI measures the average changes in prices paid by consumers for a basket of goods and services. The CPI basket includes food, housing, transportation, and medical care. In the previous five decades, consumer prices
- [10 Ways to Protect Your Business from Cyber Threats](https://insureyourcompany.com/blog/10-ways-to-protect-your-business-from-cyber-threats/) - The increase in reports of cyber threats over the past year has illuminated the Internet’s inherent dangers, thus raising concerns as to how to business owners can protect their companies from computer viruses and other looming security threats. Although many companies are (rightfully) investing in high-quality anti-malware and anti-spyware software, the potential still exists to fall
- [Do You Need Business Insurance for an LLC?](https://insureyourcompany.com/blog/business-insurance-for-an-llc/) - Do you need business insurance for an LLC? The answer is yes. Business insurance can safeguard your assets and minimize financial risk.
- [Employing Risk Transfer as a Business Safeguarding Strategy](https://insureyourcompany.com/blog/employing-risk-transfer-as-a-business-safeguarding-strategy/) - As a business owner, it is crucial to understand risk management strategies and how they can protect your enterprise. One effective approach to mitigating risks is through risk transfer. Insurance is one method of risk transfer. Businesses are always looking to understand what risk transfer means, its purpose, the most common methods used, and how
- [Safe Strategies for Using a Co-Working Space](https://insureyourcompany.com/blog/safe-strategies-for-using-a-co-working-space/) - 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,
- [Why Is Health Insurance Important to your Company?](https://insureyourcompany.com/blog/why-is-health-insurance-important-to-your-company/) - 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. Why is health insurance important to your company?
- [6 Upgrades that Will Attract Remote Employees Back to the Office](https://insureyourcompany.com/blog/6-upgrades-that-will-attract-remote-employees-back-to-the-office/) - 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
- [6 Technology Tools to Make You More Focused and Productive](https://insureyourcompany.com/blog/6-technology-tools-to-make-you-more-focused-and-productive/) - New services, apps, and devices are released every week. How do you decide which ones are worth purchasing? A good place to start is to identify tools that actually make your everyday life easier. When you're more organized and productive, everything else falls into place. Let's look at some of the top technology tools that
- [What is the Impact of Inflation on Insurance](https://insureyourcompany.com/blog/what-is-the-impact-of-inflation-on-insurance/) - 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
- [How to Enjoy Your Summertime Work-Life Balance](https://insureyourcompany.com/blog/how-to-enjoy-your-summertime-work-life-balance/) - Summertime is a time for adventures, new experiences, and day trips to the waterside. Whether you're inspired to learn a new skill or just lounge in the shade, staying satisfied with your work-life balance in the summer can be a challenge. When your inner self is longing for barbecues and adventure but your weekly workload
- [10 Tips for Growing Your Small Business Revenue in 2017](https://insureyourcompany.com/blog/10-tips-for-growing-your-small-business-revenue-in-2017/) - Revenue growth is the number one goal for most small businesses. Unfortunately, small business owners often struggle to come up with a strategic plan to facilitate growth. Between the challenge of wearing multiple hats and uncertainty about the best ways to attract new prospects, a small business can easily stagnate. A comprehensive plan to prevent
- [10 Positive Ways To Improve Employee Performance](https://insureyourcompany.com/blog/10-positive-ways-to-improve-employee-performance/) - Professional production is an important metric to gauge in any type of business. While it's important to measure profit and growth, it is also important to measure how well employees perform—or not. After all, without employees, profit and growth are not only impossible, but irrelevant. Business owners and managers are in charge of not only
- [Tips to Enhance Cybersecurity for Your Business](https://insureyourcompany.com/blog/tips-to-enhance-cybersecurity-for-your-business/) - 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
- [4 Tips For Retaining Your Business's Most Profitable Customers](https://insureyourcompany.com/blog/4-tips-for-retaining-your-businesss-most-profitable-customers/) - Many small businesses are so busy acquiring new customers, they often forget to focus on the ones they already have. But if you don't know how to retain your most profitable customers, it can actually hurt your company's revenue in the future. Not sure where to start? Below are several strategies you can use to identify and
- [How Safe is Your Business On Social Media?](https://insureyourcompany.com/blog/how-safe-is-your-business-on-social-media/) - It’s no secret that social media has become completely ubiquitous, even in the business world. Because of the blurred lines between professional and personal social media, what's posted by you and your staff—whether it’s in the context of your business or not—can easily conflict with the public company message you want to convey. Likewise, posting
- [Introduction to Health Savings Accounts](https://insureyourcompany.com/blog/introduction-to-health-savings-accounts/) - This is the first in a series of audio education articles that CG Benefits Group and Technology Insurance Associates has produced. Recorded by insurance broker, Paul Kaplan, the proceeding audio file introduces health savings accounts and contains information about how the underlying medical plan works, how contributions work, and advantages and disadvantages to HSA plans.
- [What is Workers Compensation Insurance?](https://insureyourcompany.com/blog/what-is-workers-compensation-insurance/) - Many employers are unaware of exactly what workers compensation is and what the employer’s requirements are. This article is intended to go over workers compensation with a focus on New Jersey based businesses. Workers compensation is based on where your company is located and where your employees work and reside. It provides compensation for injuries
- [Term versus Permanent Life Insurance](https://insureyourcompany.com/blog/term-versus-permanent-life-insurance/) - Many people who are in the market for life insurance will face a choice between term and permanent life insurance. This article is intended to demystify your choice of the type of life insurance you will purchase. To begin, let’s define the different types of life insurance and how they are typical used. Term insurance
- [Disability Insurance Awareness Month](https://insureyourcompany.com/blog/disability-insurance-awareness-month/) - This May you can protect yourself and your family by purchasing disability insurance coverage. Many people are unaware of why they would need disability coverage. Here are some alarming stats: Thirty percent of employees will face a long term disability during their careers. Three in ten workers will miss three months or more as a
- [NJ Individual Health Insurance Becomes More Affordable](https://insureyourcompany.com/blog/nj-individual-health-insurance-becomes-more-affordable/) - Here at CG Benefits we noticed a very interesting trend. For some employers that may have one or two employees enrolled, the individual health insurance marketplace may offer less expensive health insurance coverage as an alternative. This happened recently but, one carrier for example, Horizon Blue Cross Blue Shield has lowered their rates to be
- [5 Ways to Save Money on Your Company’s Health Insurance](https://insureyourcompany.com/blog/5-ways-to-save-money-on-your-companys-health-insurance/) - 5. Package your benefits. Some insurance carriers provide discounts if you purchase multiple types of insurance from them. 4. Check out alternative methods of funding your insurance. Self insurance is popular in the middle to large group market, but now some carriers are offering self insurance for small groups. 3. Explore plans with higher deductibles
- [Small Business Tax Credit Postcards Sent Out to Businesses](https://insureyourcompany.com/blog/small-business-tax-credit-postcards-sent-out-to-businesses/) - Millions of small businesses will receive postcards from the IRS beginning the week of April 19 that alert them to the new Small Business Health Care Tax Credit and encourage them to check their eligibility. Even if you don't receive a postcard, your business still may be eligible. Here’s how to determine if you are
- [Coverage For Dependent Children](https://insureyourcompany.com/blog/coverage-for-dependent-children/) - The Obama Health initiative makes provisions for dependent children to age 26. Currently issues come up as to what age carriers will cover these children. When they say to 23, is that through their 23rd year to their 24th birthday? All carriers provide you with a summary of benefits and that issue should be addressed
- [Insurance Producers Attend USLI Conference](https://insureyourcompany.com/blog/insurance-producers-attend-usli-conference/) - Three property and casualty insurance producers from Technology Insurance Associates attended a two week long conference in King of Prussia, PA at the beginning of last month. Producers Daniel Levenson, Jeff Henderson, and Ben Levenson all went to the United States Liability Insurance Group (USLI) conference to learn more about helping businesses control their risks
- [Health Insurance Costs: What Do I Owe the Doctor?](https://insureyourcompany.com/blog/health-insurance-costs-what-do-i-owe-the-doctor/) - Editor's note: This is a special post by our Customer Service VP, Gail Levenson I am a health insurance producer in New Jersey and I get this question all the time. A patient receives a bill and wonders why the doctor is billing them. The best way to keep track of what you owe your
- [Government Health Insurance is Coming - Don't be scared!](https://insureyourcompany.com/blog/government-health-insurance-is-coming-dont-be-scared/) - The calls were coming in from many of my clients today. They are all concerned on how President Obama's new healthcare reform law affects them. Here is my take, RELAX! Your current group health insurance plan is active and will continue as is. At renewal the insurance carriers will offer you insurance quotes with all
- [When Can I Enroll In My Company's Group Health Insurance Policy?](https://insureyourcompany.com/blog/when-can-i-enroll-in-our-health-insurance-policy/) - As an employee of a company that has a group health insurance plan, you are only allowed to enroll during specified times. You are initially allowed to enroll when you are first hired. If your company has a waiting period for new hires, then you may have to wait 30 days or more to enroll
- [What is an Employer to do?](https://insureyourcompany.com/blog/what-is-an-employer-to-do/) - I have been selling New Jersey Employee Benefits and group health insurance to small and medium sized businesses since 1997. Each year I see the plan design change slightly; there was higher co-pay, a split co-pay, higher drug card, two tier drug card, three tier drug card, and Hospital deductibles, in network deductibles. During this
- [Why Do I Need Life Insurance?](https://insureyourcompany.com/blog/why-do-i-need-life-insurance/) - One question I am often asked by my clients and friends, is why do I need life insurance? The answer can be complicated, but it comes down to the following purposes of life insurance: Pay off a home mortgage if you were to pass away Fund a business transfer Create an estate Create a charitable
- [What is a Co-pay?](https://insureyourcompany.com/blog/what-is-a-co-pay/) - One of our goals at CG Benefits Group is to help employees understand their benefits. Many employees are often confused about how various components of their health care work such as deductibles, co-insurance, and co-pays. In the first of our series aimed at helping you understand your benefits, we will discuss what a co-pay is
- [Pre-Existing Condition Insurance Plan Begins](https://insureyourcompany.com/blog/pre-existing-condition-insurance-plan-begins/) - Many Americans without health insurance coverage due to pre-existing conditions may find themselves with health insurance coverage due to the newly established Pre-Existing Condition Insurance Plan (PCIP.) Starting today, July 1st, 2010 many states will start accepting applications for the new plan with coverage likely beginning on August 1st. You can check to see if
- [COST OF GROUP BENEFITS](https://insureyourcompany.com/blog/cost-of-group-benefits/) - As a business owner you must remember why you have a group benefits plan. Yes, it provides coverage for you and your family and of course your employees, but it is a great tool for recruiting and retaining GREAT talent. What you have to remember to do is let your employees know exactly what the
- [NEW YORK WORKERS COMPENSATION](https://insureyourcompany.com/blog/new-york-workers-compensation/) - I wanted to make all employers that have workers in New York State aware that they need a separate policy for Disability. Unlike New Jersey where Workers Compensation and Disability in incorporated in the same policy Disability in New York is written on separate paper. This issue has caused many employers to incur huge penalties and
- [Generic Drugs Are Not the Same After All](https://insureyourcompany.com/blog/generic-drugs-are-not-the-same-after-all/) - You may have recently received a letter from your insurance company advising you to switch to a generic drug instead of a costly name brand medication, or maybe your doctor has recommended you stay with a brand name prescription, despite a generic being widely available. You might be asking yourself, what is the difference? First
- [What is COBRA?](https://insureyourcompany.com/blog/what-is-cobra/) - The Consolidated Omnibus Budget Reconciliation Act (COBRA) established in 1986 is a federal law that allows employees when terminated, for any reason other than gross misconduct, to continue their health insurance coverage. Benefits can typically be extended for 18 months or as long as 36 months in certain situations. For the group to be eligible
- [Life Is Good When You're a Hoosier](https://insureyourcompany.com/blog/life-is-good-when-youre-a-hoosier/) - I recently had the extreme pleasure of reading a well thought out opinion column in the Wall Street Journal by the Republican Governor of Indiana, Mitch Daniels. Mr. Daniels shared his experience with Indiana state employee’s usage of Health Savings Accounts. In review of the usage and cost savings, Indiana will stand to save $20
- [Debt in America - We need a leader](https://insureyourcompany.com/blog/debt-in-america-we-need-a-leader/) - Debt In America - We need a leader There has to be a mandate from our US government, something that can excite the country, something that will cause the entrepreneurs, the small businessman to get excited and begin a project. John F. Kennedy gave us a 10 year plan to put a man on the
- [Death Panel Accusation Haunts FDA](https://insureyourcompany.com/blog/death-panel-accusation-haunts-fda/) - Avastin, a popular cancer treatment drug may have its approval revoked by the FDA after studies have found that the drug may not extend patients lives beyond a month, according to The Daily Telegraph. This about face has provoked fears that the FDA is starting a death panel as insurance carriers will likely drop coverage
- [Top Five 2010 Healthcare Reform Changes](https://insureyourcompany.com/blog/top-five-2010-healthcare-reform-changes/) - Changes are coming to United States health care this year because of recent changes made by the passing of the Patient Protection and Affordable Care Act. This is a list of the five most important changes to be made that we think will impact technology companies and other small businesses. All new individual and group
- [5 Surprising Benefits Of Business Insurance](https://insureyourcompany.com/blog/5-surprising-benefits-of-business-insurance/) - Every business, large or small, needs to protect itself from unfortunate or downright catastrophic losses. As it does for all things valuable—including your car, home, and even your life—insurance offers peace of mind and financial protection in times of trouble. Insuring your business is a smart move, as it can mean the difference between staying in business
- [Health Insurance Premiums Tax NOT Coming!](https://insureyourcompany.com/blog/health-insurance-premiums-tax-not-coming/) - I receive tons of spam email, and I’m sure you do too. You may even get email from friends who think they are being helpful and informing you about the current health insurance reform that is taking place. Unfortunately, one email circulating lately is blatantly not true. The email that is going around claims that
- [Government Healthcare Website Launches](https://insureyourcompany.com/blog/government-healthcare-website-launches/) - Last week Healthcare.gov launched as a portal for U.S. citizens to explore the American health insurance market in an easily navigated and concise website. The website includes ways to find insurance coverage options, learn about preventive care, compare quality care, and ways to understand the new insurance laws. First of all, finding insurance coverage options is
- [6 Basic Steps You Can Take to Ensure Your Property Is Protected](https://insureyourcompany.com/blog/6-basic-steps-you-can-take-to-ensure-your-property-is-protected/) - Every 15 seconds, somewhere in this country, a burglar breaks into a home. Even though home burglaries are one of the most common types of crimes in America, they're also one of the easiest ones to prevent. When home break-ins occur, they can have a significant impact on homeowners and their families. Besides losing personal property,
- [President Obama Extends COBRA Subsidy](https://insureyourcompany.com/blog/president-obama-extends-cobra-subsidy/) - Yesterday President Obama signed into law an extension for the existing COBRA subsidy for employees that were involuntarily terminated from April 1st to May 31st. The subsidy provides a 15 month long 65 percent premium subsidy to employees to assist them during their transition to new employment. President Obama is looking to legislators to extend
- [3 Networking Tips For Ambitious Small Business Owners](https://insureyourcompany.com/blog/3-networking-tips-for-ambitious-small-business-owners/) - Did you know that 85% of business professionals state that they build stronger, more meaningful relationships during in-person meetings and conferences? Face-to-face networking opportunities offer incredible advantages for small business owners who desire real, long-term growth in their company. You see, from building new, profitable partnerships to bolstering personal development, meeting influencers in your industry,
- [Why Small Business Owners Need More Sleep](https://insureyourcompany.com/blog/why-small-business-owners-need-more-sleep/) - When you think about ways to grow your business and make it more profitable, sleep probably isn't the first thing that comes to mind. In fact, sleeping probably sounds like the very opposite of what you need. However, there's increasing evidence that sleep deprivation has many harmful physical and mental effects. Small business owners—who often
- [5 Signs You Need to Reevaluate Your Business Insurance](https://insureyourcompany.com/blog/5-signs-you-need-to-reevaluate-your-business-insurance/) - Your business insurance is critical to the protection and growth of your company. Its goal is to keep you in business even when mistakes or accidents happen, taking care of some of those critical financial issues that have the potential to put you out of business. You'd like to hope that nothing will ever happen
- [Work-Related Car Accidents: What's Your Responsibility As An Employer?](https://insureyourcompany.com/blog/work-related-car-accidents-whats-your-responsibility-as-an-employer/) - If your employee is in a car accident on company time or in a company vehicle, are you responsible as an employer? What insurance is available to protect you in a work-related car accident? It can depend on the particular circumstances, but there is a good chance you are responsible for accidents by employees in company cars
- [Healthcare Reform Employer Mandates Review](https://insureyourcompany.com/blog/healthcare-reform-employer-mandates-review/) - With the recent signing of the Patient Protection and Affordable Care Act many employers will face numerous changes to their health care plans. It is our goal at CG Benefits Group to provide you with the most comprehensive resources for understanding your health care requirements as an employer. Some of the mandates that will be
- [NJ Short Term Disability](https://insureyourcompany.com/blog/nj-short-term-disability/) - We have had a few issues recently with regard to employees trying to figure out how to apply for NJ Short Term Disability. New Jersey, New York and Rhode Island are the only states that require employers to have this coverage. The NJ form (WDS-1) is available from the NJ State website. This form has
- [Life Insurance is Important](https://insureyourcompany.com/blog/life-insurance-is-important/) - First, condolences to our good friend Pete at Southwest Rod & Custom who lost a dear friend over the weekend. It got me thinking about life insurance. One of the most overlooked insurance products, it really does provide helpful financial stability for your family in case you need it. Pete also produces a lot of
- [Get Prepared.  Protect Yourself.](https://insureyourcompany.com/blog/get-prepared-protect-yourself/) - Lots going on in the world nowadays. War in the Middle East. Natural disasters in Japan. By the way, if you are interested in donating money to the Japan relief effort, visit the American Red Cross. Protect yourself. Protect your family. Protect your company. Watch my latest video to learn more. Did you find this
- [How The Affordable Care Act Affects Start-Ups](https://insureyourcompany.com/blog/how-the-affordable-care-act-affects-start-ups/) - The Affordable Care Act, known colloquially as Obamacare, provides the infrastructure through which individuals and businesses in the US can buy health insurance. Since its implementation in 2014, the law has allowed over 10 million people to access health insurance that they might not have otherwise been able to afford. It has also helped thousands of small
- [Healthy Employee Initiatives For Your Business](https://insureyourcompany.com/blog/healthy-employee-initiatives-for-your-business/) - Being healthy at work not only increases employees’ moods and reduces health risks, it also has been shown to make employees more productive. At InsureYourCompany.com, one of our goals is staying healthy and active. We enjoy “getting out of the box” and taking a break from our offices and cubicles to participate in daily exercise
- [OSHA Penalties Increase For 2016: What It Means For Your Small Business](https://insureyourcompany.com/blog/osha-penalties-increase-for-2016-what-it-means-for-your-small-business/) - The Occupational Health and Safety Administration (OSHA) has monitored the workplace safety in American businesses since its inception in 1971. In that time, it has brought forth and adjudicated countless concerns related to employee and workplace safety. OSHA’s main method of punishment is through fines, which makes August of this year a crucial month for
- [Health Care Tax Credit for Small Employers](https://insureyourcompany.com/blog/health-care-tax-credit-for-small-employers/) - Many small businesses and tax-exempt organizations that provide health insurance coverage to their employees now qualify for a special tax credit under the Obama health reform legislation that just passed. This credit is designed to encourage small employers to offer health coverage for the first time or maintain coverage they already have. If you pay
- [The Employee Engagement Conundrum: Are Flexible Work Schedules the Answer?](https://insureyourcompany.com/blog/the-employee-engagement-conundrum-are-flexible-work-schedules-the-answer/) - Employees at small businesses often have more varied responsibilities than their counterparts at large corporations. While corporate employees tend to do highly specialized work, small business employees must wear several hats. That makes it more important for small businesses to retain valued employees and keep their morale high, because they’re more difficult to replace. The
- [Small Business Spotlight: Kasprzyk Yellareddigari, LLC](https://insureyourcompany.com/blog/kasprzyk-yellareddigari-llc/) - The folks at Kasprzyk Yellareddigari, LLC know a thing or two about going after your dreams. Located in Princeton, NJ, the law firm was founded by Vijay Yellareddigari and Gayla Kasprzyk. When the two realized that they weren’t satisfied at their current jobs, they decided to go into business together and have been winning cases
- [Healthcare Reform Turmoil](https://insureyourcompany.com/blog/healthcare-reform-turmoil/) - The election results are in and the Republicans have retaken the House of Representatives. Talk about the healthcare bill will once again be brought to the forefront of Congress. The Congress will attempt to change the present Health Care Initiative and this will put the entire Health Care system in turmoil again. The new initiatives
- [Independent Contractor or Employee?](https://insureyourcompany.com/blog/independent-contractor-or-employee/) - The phrase “1099 employee” is spoken many times during our conversations with Human Resources Managers and owners of information technology companies. It seems to be difficult for businesses to determine the status of workers for tax purposes. Knowing the steps to take will make the process easier and will help you avoid any penalties for
- [Insuring Your Small Business Against Social Media Flubs](https://insureyourcompany.com/blog/insuring-your-small-business-against-social-media-flubs/) - Social media is a very powerful tool that can take your small business to the top—or break it with a string of bad experiences. With everyone being so plugged in and dependent on the Internet these days, it’s easy to get wrapped up in online drama and bad reviews if you’re not prepared to deal
- [How to Build a Winning Internship Program for Your Small Business](https://insureyourcompany.com/blog/how-to-build-a-winning-internship-program-for-your-small-business/) - An increasing number of small businesses are hiring college students as both paid and unpaid interns according to research from National Association of Colleges and Employers (NACE)—and with good reason. Internships serve as one of the most effective tools available to companies to get some extra help around the office, vet potential future talent, and provide
- [FAQ: What is Term Life Insurance and How Does It Work?](https://insureyourcompany.com/blog/faq-what-is-term-life-insurance-and-how-does-it-work/) - Term life insurance is a kind of time-limited life insurance policy whose value declines to zero after a certain term. This is in contrast to whole life insurance, which pays a benefit at the death of the insured person no matter what age. Whole life insurance mixes an insurance product with an investment product; the policy holder pays
- [Taking Your Small Business Abroad with the Right Insurance](https://insureyourcompany.com/blog/taking-your-small-business-abroad-with-the-right-insurance/) - Growing your small business to enter overseas markets has perhaps been a dream of yours for a while. Now that you're financially able to do this, are you completely prepared for all the legal paperwork and insurance you'll need to make it work? No matter where you're expanding, you're going to need insurance and other
- [8 Ways To Reduce Worries On Stress Awareness Day 2016](https://insureyourcompany.com/blog/8-ways-to-reduce-worries-on-stress-awareness-day-2016/) - As of 2016, 77% of Americans say that money and work are the leading causes of stress in their lives, which takes a toll on business owners everywhere, as well as their employees. This results in an annual cost of over $300 billion paid out by US companies for stress-related health care and missed work,
- [Legally Maintaining Your Businesses Federal, State, and Local Obligations](https://insureyourcompany.com/blog/legally-maintaining-your-businesses-federal-state-and-local-obligations/) - You're finally starting your business, woo-hoo! You have your brand, your team, your finances, and your location, everything's great. But wait, before you can do any business, you must have your state and federal legal obligations taken care of, have you done that? If this sounds foreign to you or you just don't know where
- [Why You Need Commercial Property Insurance](https://insureyourcompany.com/blog/why-you-need-commercial-property-insurance/) - Let's hope it never happens, but suppose a fire destroys the building that houses your business and all of its assets. Or imagine instead that you’re an artist with a studio, and a water pipe bursts and ruins your drawings, documents, or other valuable papers. Suppose a storm ruins your outdoor sign. For a business
- [New Restaurant Protocols for Safe and Pleasant Dining Out Experiences](https://insureyourcompany.com/blog/new-restaurant-protocols-for-safe-and-pleasant-dining-out-experiences/) - COVID-19 guidelines are continually evolving. It's important for everyone in the food service business and members of the public planning to dine out, to check with the Center for Disease Control (CDC) website on a regular basis, as well as that of the World Health Organization (WHO). But we've put together a list of the basic protocols for
- [Debt in America; The Dream](https://insureyourcompany.com/blog/debt-in-america-the-dream/) - DEBT IN AMERICA; The Dream The push toward energy independence is what will save this country. The billions of dollars that leave these shores each day due to the unreasonable price of gasoline has to end. Oil is a resource that is exhaustible. Electricity is not a resource , it is a commodity. It is
- [How To Recruit Talent And Boost Morale With Group Health Insurance](https://insureyourcompany.com/blog/how-to-recruit-talent-and-boost-morale-with-group-health-insurance/) - Do you offer your current and prospective employees benefits such as group health insurance? If not, you might want to start considering it. Even if the premiums seem high, the benefits you get back are more profitable than you’d think. Much of it has to do with how insurance affects your employees from the hiring
- [Health Savings Accounts, Take 2](https://insureyourcompany.com/blog/health-savings-accounts-take-2/) - Alan goes into more detail on Health Savings Accounts. Known as HSAs, they allow you to save a predetermined amount of money pre-tax you can use toward a variety of health-related items. This is a great employee benefits many companies offer. I'd highly recommend you allocate some of your money toward a HSA if you
- [How Does The New Healthcare Bill Affect My Business?](https://insureyourcompany.com/blog/how-does-the-new-healthcare-bill-affect-my-business/) - Editor's note: This is a special post by Insurance Broker Jerel Levenson of Technology Insurance Associates. Every business owner is talking about the new health insurance reform signed into law by President Obama today. How will this affect me, what are my responsibilities? The questions are overflowing. As of today, there are no changes to
- [COBRA Subsidy Expires](https://insureyourcompany.com/blog/cobra-subsidy-expires/) - In February of 2009, President Obama created a 787 Billion Dollar stimulus program intended to help Americans during our present recession. As part of the stimulus bill a 65 percent subsidy was started for Americans who were involuntary terminated from their jobs. The subsidy was extended in April, but expired May 31st. Americans that lose
- [When Do I Receive My Medical ID Cards?](https://insureyourcompany.com/blog/when-do-i-receive-my-medical-id-cards/) - So you have applied for new group health insurance for your company, or you are an employee at a company that is moving to a new health insurance carrier, one thing that you want to know is when do I receive my medical ID cards? After your company has submitted the application to the insurance
- [What is Workers Compensation?](https://insureyourcompany.com/blog/what-is-workers-compensation/) - What is Workers Compensation Insurance? If you are injured on the job you will require compensation for lost wages and medical bills. But who do you go to for compensation? Before workers compensation laws were enacted employees would have to sue the employer and prove that they were at fault or negligent. This did not
- [Uninsured Americans Start to See Relief](https://insureyourcompany.com/blog/uninsured-americans-start-to-see-relief/) - The state of New Jersey has released pricing and plan information about their pre-existing conditions program for uninsured residents. As you may recall from my original post about the new health insurance exchange, the Patient Protection and Affordable Care Act (PPACA) was started nationwide to provide subsidized insurance for American citizens that do not have
- [NJ Small Business Health Insurance Employers' Guide](https://insureyourcompany.com/blog/nj-small-business-health-insurance-employers-guide/) - This guide is intended to assist employers when shopping and getting quotes for health insurance in New Jersey. Please contact us if you have any questions. Am I eligible to have group health insurance in NJ? You must meet the definition of a small employer, meet participation requirements, and meet employer contribution requirements. What is
- [Why Your Business Needs to Show the Certificate of Insurance](https://insureyourcompany.com/blog/why-your-business-needs-to-show-the-certificate-of-insurance/) - Small business owners are quickly learning that they need proper documentation to guarantee the success of their business. One document that most business owners tend to overlook is the certificate of insurance (COI). Understand that the COI is a vital document for all organizations that use outside contractors and vendors. However, most business owners are still unclear
- [5 Things You Can Do Today to Improve Employee Morale](https://insureyourcompany.com/blog/5-things-you-can-do-today-to-improve-employee-morale/) - If you think losing an employee doesn’t cost you anything, think again. According to a study from Forbes, the average cost of replacing an entry-level employee is about 50% of that employee’s annual salary. And the cost goes up the higher up the ladder an employee is—for mid-level employees, it’s 150% of their annual salary, and for
- [What You Need to Know Before Hiring Your First Employee](https://insureyourcompany.com/blog/what-you-need-to-know-before-hiring-your-first-employee/) - Hiring your first employee is a major milestone in the life of a small business owner. It's a great feeling to move up in the world! You might have spent your first several months or years working out of a spare room in your home, or found yourself sitting in an office all by yourself
- [What Do You Do If Your Small Business Gets Hacked?](https://insureyourcompany.com/blog/what-do-you-do-if-your-small-business-gets-hacked/) - The latest wave of cyber attacks have put many small business owners on edge—and rightfully so. According to Small Biz Trends, 43% of cyber attacks were targeted at small businesses as of 2016. And 2017 has already seen a number of alarming attacks across the world. What if next time, it happens to you? Despite
- [5 Steps to Prepare Your Business for the Next Wave of Cyber Attacks](https://insureyourcompany.com/blog/5-steps-to-prepare-your-business-for-the-next-wave-of-cyber-attacks/) - Have you read the news lately? Cyber attacks are becoming increasingly common—and unfortunately, hackers are becoming increasingly savvy. Just a few years ago, small businesses were rarely targeted. Now, they are considered prime targets for many hackers who know that owners like you probably don't have the extensive budget for security often found in larger
- [What the Main Street Cybersecurity Act Means for Small Businesses](https://insureyourcompany.com/blog/what-the-main-street-cybersecurity-act-means-for-small-businesses/) - If you own a small business, you might think you’re immune to cyberattacks. After all, you reason, why would hackers be interested in your business when there are far bigger, more attractive targets for them to focus their efforts on? The fact is, a substantial portion of cyberattacks target small businesses just like yours. Perhaps
- [How To Start An Employee Wellness Program For Your Small Business](https://insureyourcompany.com/blog/how-to-start-an-employee-wellness-program-for-your-small-business/) - Your employees work hard every day and for long hours. Have you considered what this does to their health? There are many success stories out there about employee wellness programs, but perhaps you've held off on starting your own out of concern for time and cost. Or maybe the biggest worry is that your employees will
- [Protecting Your Employees: Sexual Harassment Policies For Small Businesses](https://insureyourcompany.com/blog/protecting-your-employees-sexual-harassment-policies-for-small-businesses/) - Sexual harassment is a form of discrimination recognized under the federal civil rights law Title VII of the Civil Rights Act of 1964, which is applicable to all public businesses. Since 1991, when the Congress broadened the 1964 law, demonstrable acts of sexual harassment are punished via the civil courts through civil suits where the victim
- [Resolution Time: Setting Realistic Goals For Your Small Business](https://insureyourcompany.com/blog/resolution-time-setting-realistic-goals-for-your-small-business-in-2017/) - 2017 is finally here, signaling the time to begin looking at New Year's resolutions—not only for individuals, but also for small business owners. Even if 2016 was a profitable and positive year for your business, there are always improvements to be made. The time is right to examine such possibilities for even greater improvement and
- [How EPLI Can Help Small Business Owners Hire Intelligently](https://insureyourcompany.com/blog/how-epli-can-help-small-business-owners-hire-intelligently/) - Employment practices liability insurance (EPLI) is a type of optional but highly recommended coverage that insures businesses against claims made by workers stating that their legal rights as employees have been violated. It is important that small business owners are familiar with this type of insurance, given the fact that the number of lawsuits initiated
- [What is a Third Party Fidelity Crime Bond and Who Needs One?](https://insureyourcompany.com/blog/what-is-a-third-party-fidelity-crime-bond-and-who-needs-one/) - Business owners have to protect their property, employees, customers, and themselves against damages. Business insurance policies provide general liability coverage, professional liability coverage, workers compensation, and commercial auto coverage. Another important type of protection for some businesses is a Third Party Fidelity Crime Bond. It provides specific protections against willful wrongful acts carried out by
- [What The Overtime Pay Reform Means for Small Businesses](https://insureyourcompany.com/blog/what-the-overtime-pay-reform-means-for-small-businesses/) - On May 19, 2016, the Obama administration, along with the Department of Labor, finalized details regarding the new overtime pay reform bill. This reform has been in the making since 2014 when President Obama signed an executive order requiring the Department to overhaul current overtime pay laws. This new rule will be active and enforceable as of
- [The Hidden Post-Pandemic Business Opportunity](https://insureyourcompany.com/blog/the-hidden-post-pandemic-business-opportunity/) - 2020 will be remembered as a pivotal year in world history. The worldwide COVID-19 pandemic caused a tsunami of business closures, bankruptcies, and lifestyle changes. Mandatory lockdowns and safety precautions kept many hard-working wage-earners away from their professions. While many businesses closed, some entrepreneurs have been able to develop and grow amid it all. Entrepreneurs
- [Does My Commercial Insurance Policy Cover Losses Stemming from the Coronavirus?](https://insureyourcompany.com/blog/does-my-commercial-insurance-policy-cover-losses-stemming-from-the-coronavirus/) - As of March 10, 2020, the CDC says Coronavirus risk is still considered low in the United States, but a significant spread of the disease is likely, even expected. Savvy business owners are concerned about their business and profit over the next few weeks, and questions arise about their insurance coverage for these unusual types of
- [The Peace of Mind Insurance Brings](https://insureyourcompany.com/blog/the-peace-of-mind-insurance-brings/) - In the fast-paced world of business, uncertainty is a constant companion. From economic fluctuations to unforeseen disasters, entrepreneurs face a multitude of risks daily. Amidst this chaos, insurance emerges as a beacon of security, providing business owners with something invaluable: peace of mind. What is Peace of Mind? Peace of mind is a state of
- [Self-Care Tips For Small Business Owners Who Do Too Much](https://insureyourcompany.com/blog/self-care-tips-for-small-business-owners-who-do-too-much/) - Is self-care the next big trend to increase workplace productivity? According to a report from the World Health Organization (WHO), it certainly is. For business owners large and small, this is good news. Self-care results in mentally and physically stronger employees across the income spectrum. Their personal benefits spill over to the company that employs them.
- [Debt in America - Part 2; Relying too much on gas](https://insureyourcompany.com/blog/debt-in-america-part-2-relying-too-much-on-gas/) - It is amazing to me that our elected officials do not see what the economic problems in this country are attributed to. If you look back 20 years ago the average gasoline price across the US was $1.08. Today the average gas price is $3.61. $2.53 per gallon might not seem like the cause of
- [All About SCORE: A Small Business Networking Resource](https://insureyourcompany.com/blog/all-about-score-a-small-business-networking-resource/) - Do you know about SCORE and its promise of providing a large network of business mentors to get your small business off the ground? If not, you need to look into this non-profit organization supported by the Small Business Administration. They're out there to help you. Once an acronym for "Service Corps of Retired Executives", it's no
- [Make sure you read your insurance policy](https://insureyourcompany.com/blog/make-sure-you-read-your-insurance-policy/) - Insurance is a wonderful thing our society has created and has become essential in the business world. It is important for policyholders to actually read the policy over and review what it covers and, more importantly what it doesn’t. Most business owners looking for insurance are concerned with the cost of insurance rather than the
- [Debt in America - Part 1; Now What?](https://insureyourcompany.com/blog/debt-in-america-part-1-now-what/) - So we have all this debt. We know how we accumulated it. The real question is; HOW DO WE RESOLVE THIS? There is a way, but it is not an overnight fix. Today, most Americans drive two automobiles. If we can get most families to switch one of those to an electric vehicle, the resolution
- [Is It Covered?](https://insureyourcompany.com/blog/is-it-covered/) - When you buy homeowner’s insurance, your biggest question should always be “what does it cover?” After all, nobody needs their insurance until they REALLY need their insurance. At that point, there’s no time to make necessary changes. You’re not even allowed because a claim already happened! You can only adapt for the future. So, taking
- [My cedar strip canoe that I built in my garage](https://insureyourcompany.com/blog/my-cedar-strip-canoe-that-i-built-in-my-garage/) - More of the "other" side of Alan at Technology Insurance Associates. It took me 12 months to build my cedar strip canoe using standard hand tools working on nights and weekends. We took this baby out on the water and she's got a nice ride! You may ask, didn't you just build an electric car,
- [Consumer Driven Health Plans - An Explanation](https://insureyourcompany.com/blog/consumer-driven-health-plans-an-explanation/) - What is a consumer driven health plan and a Health Savings Account. It can be confusing to understand your health insurance policy including how much deductible you owe first, whether your plan offers copays and what they offer copays first and more. Here's a quick tutorial on how to read your health insurance plan. Questions?
- [Life Insurance: How much do you need?](https://insureyourcompany.com/blog/life-insurance-how-much-do-you-need/) - Life insurance can be tricky. I recently had a client come in wanting term life and the first thing I asked, which I ask every client was: How much life insurance can you afford? How long do you want coverage? Watch our latest video to learn more. Did you find this video informational and interesting?
- [Employment Practices Liability Insurance: A Case Study](https://insureyourcompany.com/blog/employment-practices-liability-insurance-a-case-study/) - Hopefully you already watched my other video on explaining what Employment Practices Liability Insurance is. If not, what are you waiting for? Coincidentally, I just started helping one of my clients through an issue where he had to fire an employee. Watch my latest video to see how it plays out... Did you find this
- [Insurance Glossary](https://insureyourcompany.com/blog/insurance-glossary/) - Insurance terms (and coverages!) can be confusing. In our newest video, Alan takes the time to go through general insurance terminology that any business MUST know and understand when buying health insurance; or any business insurance policy. You also need to have the right information about your company and employees to get a competitive health
- [I'm a business owner, what kind of insurance do I need?](https://insureyourcompany.com/blog/im-a-business-owner-what-kind-of-insurance-do-i-need/) - The more we talk to small businesses, the more we realize that most business owners we talk to really don't know what type of business insurance and how much coverage they need. Alan explains a variety of different types of business insurance, how they work, and why you need it. Don't worry. We're going to
- [Use employee benefits to your advantage](https://insureyourcompany.com/blog/use-the-benefits-to-your-advantage/) - I have been selling employee benefits to employers across the US for over 12 years. It still amazes me that many of my clients and most employers think of the benefits as an EXPENSE for their company. Developing a benefits package to offer to your employees actually can enhance the quality of your labor force.
- [Four Reasons Your Business Might Need Workers' Compensation](https://insureyourcompany.com/blog/four-reasons-your-business-might-need-work-compensation/) - Workers' compensation is an amazing financial benefit that assists employees throughout the country who experience work-related injuries. It provides them with a portion of their paychecks while they recover from such injuries. You may want to give the benefit to your workers if you run a business. In some cases, you may have to provide
- [What Is Key Person Life Insurance? And Why Does Your Business Need It?](https://insureyourcompany.com/blog/what-is-key-person-life-insurance-and-why-does-your-business-need-it/) - The smaller the company, the bigger certain challenges can feel—if you own a small business, you’ve probably experienced this firsthand. While a large corporation can take the hit of, say, a delayed product shipment, such an issue would be a nightmare for a small business staying afloat. Imagine, then, how big of a blow losing
- [How to Make Your Small Business Stand Out in a Competitive Market](https://insureyourcompany.com/blog/how-to-make-your-small-business-stand-out-in-a-competitive-market/) - Running a small business in the digital age means you aren't just competing with your geographic neighbors. Depending on the nature of your business, you may also find yourself in competition with companies like yours from across the country—or the world. With all that competition, how do you make your business stand out? There are
- [Is Your Business Vulnerable to Hackers?](https://insureyourcompany.com/blog/is-your-business-vulnerable-to-hackers/) - All companies with an online presence, even those in the tech industry, run the risk of being hacked. It’s a fact that comes with operating a business in the 21st century. Some choose complacency over dealing with the reality that hacking occurs every hour of the day in businesses worldwide, but ignoring the problem doesn’t
- [IT Contractors: How to Negotiate Contracts & Remain Protected](https://insureyourcompany.com/blog/it-contractors-how-to-negotiate-contracts-remain-protected/) - Working as an independent contractor has its benefits, but also comes with many challenges. One of those challenges relates to insurance. Many often wonder, “Do I really need to carry insurance? How much will it cost me? What is required of me, and what is recommended?” These questions play a big role when considering how to
- [What Insurance Is Needed For A Home-Based Business?](https://insureyourcompany.com/blog/what-insurance-is-needed-for-a-home-based-business/) - The opportunity to start a part-time, home-based business has never been greater than it is today. Jobs ranging from IT consultant to Uber driver are just two examples of how many opportunities there are to make money from home or in your spare time. In fact, according to the 2014 U.S. Census Bureau statistics, there are
- [6 Cyber Security Tips for Home Businesses](https://insureyourcompany.com/blog/6-cyber-security-tips-for-home-businesses/) - Starting a home business is an exciting and rewarding venture. The most important part of owning your own business is keeping it safe. Unfortunately, small and home businesses have become the targets for criminals seeking to steal sensitive information. This is largely due to their lack of trained IT personnel on staff. For this reason, we have
- [Small Business Group Health Insurance: Why It’s Important And What To Consider](https://insureyourcompany.com/blog/small-business-group-health-insurance-why-its-important-and-what-to-consider/) - 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
- [Reducing Risk During The Reopening](https://insureyourcompany.com/blog/reducing-risk-during-the-reopening/) - State by state, industry by industry, American businesses are being allowed to reopen. As the country's patchwork of federal, state, and civic stay-at-home orders are lifted, business owners are faced with tough calculations. They know that reopening is overwhelmingly unpopular, with large numbers of consumers telling pollsters that they intend to avoid shops and in-person services regardless
- [What To Do When An Employee Gets Injured](https://insureyourcompany.com/blog/what-to-do-when-an-employee-gets-injured/) - One of the worst moments for any employer occurs when an employee is injured on the job. Unfortunately, if you hire enough employees the likelihood of an injury or illness occurring increases dramatically. It can be a stressful thing for an employer to consider but every business should be prepared for an on-the job injury
- [5 of the Biggest Business Challenges Facing IT Professionals](https://insureyourcompany.com/blog/5-of-the-biggest-business-challenges-facing-it-professionals/) - If you're in the IT industry, your business faces a number of unique challenges. If you want to be sure that you're able to make the most of the opportunities in front of you, it's important that you take the right steps to tackle those challenges head-on. Is your business dealing with any of these
- [Essential Insurance Coverage for Your New Jersey HVAC Business](https://insureyourcompany.com/blog/essential-insurance-coverage-for-your-new-jersey-hvac-business/) - No matter how long you've been doing HVAC work in New Jersey, or how careful you are, you can't control everything. An accident, mistake, or other incident can happen at any time and you will be held responsible. While there's no way to eliminate risks entirely, you can protect yourself and your business with HVAC
- [Proud to be recognized by The Hartford as a STAG ONE agency](https://insureyourcompany.com/blog/proud-to-be-recognized-by-the-hartford-as-a-stag-one-agency/) - Manalapan, NJ: Insure Your Company is proud to be recognized by The Hartford as a STAG ONETM agency. This designation brings The Hartford’s already superior service to an even higher level. Through our partnership with The Hartford, we’re helping small businesses manage their unique risk – and succeed. This designation helps Insure Your Company on
- [Certificates of Insurance Made Easy](https://insureyourcompany.com/blog/certificates-of-insurance-made-easy/) - As a leading insurance agency for helping technology professionals we understand the importance of the certificate of insurance. They are an IT Consultants key for winning bids and being paid. Almost every IT contract has insurance requirements, which means that IT businesses need to submit their certificate as proof of coverage that they meet insurance
- [The Ins and Outs of Backfilling Positions for Your Small Business](https://insureyourcompany.com/blog/ins-outs-backfilling-positions-small-business/) - While you may not always be able to forecast when you’ll have to suddenly fill a position, having a proper backfilling strategy in place can help minimize disruption to workflows and production processes within your organization. According to the Gallup-Healthways Well-Being Index, employee absenteeism due to illness costs employers up to $84 billion annually. These costs
- [7 Helpful Safety Tips For Computer Security Day](https://insureyourcompany.com/blog/7-helpful-safety-tips-for-computer-security-day/) - Every day, millions of people around the world plug into a virtual workspace and sit down at their personal hub of information: the computer. Yet how many people think of computer security on a daily basis? And how many actually do something about it? Today, November 30th, is National Computer Security Day. In honor of
- [Three Common Small Business Health Care Misconceptions](https://insureyourcompany.com/blog/three-common-small-business-health-care-misconceptions/) - In a recent Forbes post, they looked at ideas surrounding "Three Common Small Business Health Care Misconceptions" when it comes to providing insurance coverage for employees of SMB's (small-to-medium sized businesses). They cited this trio of concerns and successfully argued their accuracy with: Offering benefits doesn't make any financial sense Team members who have too
- [What Is An Insured Endorsement On A Certificate Of Insurance And Do You Need It?](https://insureyourcompany.com/blog/what-is-an-insured-endorsement-on-a-certificate-of-insurance/) - It's rare that a business works alone without the help of another business. It doesn't matter what type of business it is because many scenarios call for an insured endorsement on a certificate of insurance. For example: A contractor builds a new home, but they also use subcontractors for the labor and material. Another example is
- [Can You Collect Unemployment Insurance and a Worker's Compensation Settlement?](https://insureyourcompany.com/blog/can-you-collect-unemployment-insurance-and-a-workers-compensation-settlement/) - When you've been injured on the job, and it affects your ability to work, it's normal to start strategizing ways to pay your bills. Of course, you logged your injury and began the process of applying for worker's compensation right away. That's the practical thing to do, especially if your employer is looking forward to
- [DO I NEED WORKERS COMPENSATION?](https://insureyourcompany.com/blog/do-i-need-workers-compensation/) - I am asked this question thousands of times annually by small businessmen. Here are the rules, they apply if you own or operate a business in New Jersey. If you have an employee and pay wages you are required to obtain Workers Compensation. All Corporations operating in New Jersey must obtain workers compensation regardless if
- [Employment Practices Liability Insurance](https://insureyourcompany.com/blog/employment-practices-liability-insurance/) - I wanted to share a story about one of my clients. He was expanding his IT staffing business and hired a female recruiter /salesperson. This salesperson was emailing and interacting with the client’s operations staff at their offshore operations center. The emails started to turn more and more inappropriate, in a sexual way. The client
- [Insurance tips for technology companies](https://insureyourcompany.com/blog/insurance-tips-for-technology-companies/) - Insurance tips for technology companies In the insurance world knowing what to ask can save you time and effort looking for a policy to protect your business. A recent article on technology insurance discussed five good questions that IT companies should be asking their insurance carrier or agent. The information technology world is growing every
- [How can a business protect its data?](https://insureyourcompany.com/blog/how-can-a-business-protect-its-data/) - Keeping your data safe and secure is an important job for every business owner. Hackers, viruses, and employee error are potential hazards every business must prevent to keep their data secure. You may ask; how can a business protect its data? First, you need to understand where your business is vulnerable. Do a security audit
- [How Errors and Omissions Can Protect Your Business](https://insureyourcompany.com/blog/how-errors-and-omissions-can-protect-your-business/) - Professional liability insurance has many names. You can call it professional indemnity insurance, errors and omissions or malpractice insurance. The name depends on the profession you are in. For instance if you are a physician, hospital, clinic or healthcare provider you will call it malpractice insurance. If you are in a non-medical profession such as
- [Tell your employees how much benefits actually cost you](https://insureyourcompany.com/blog/tell-your-employees-how-much-benefits-actually-cost-you/) - Employee benefits vary from company to company. I met with a business owner of a pretty large company in New Jersey who pays 100% of his employees' benefits! You don't see too many companies offering that nowadays. Yet, he hasn't told his employees how much those benefits actually cost the company. It's so important to
- [Worker's Compensation Insurance Tips](https://insureyourcompany.com/blog/workers-compensation-insurance-tips/) - Did you know that if you have employees in New York that you need to have a worker's compensation insurance policy in addition to disability insurance. Bottom line: check with your state to make sure that you have the right coverage. Every state has different rules, make sure you know what you need.
- [Why You Need Pet Insurance](https://insureyourcompany.com/blog/why-you-need-pet-insurance/) - If you're a pet owner, you understand the importance of keeping your pet happy and healthy throughout their life. As an integral part of your family, your pet deserves to get routine checkups, important vaccinations, and exceptional healthcare. But, visits to the veterinarian are costly and may not be affordable for everyone. Fortunately, you can
- [How To Read Your Certificate of Insurance (INFOGRAPHIC)](https://insureyourcompany.com/blog/how-to-read-your-certificate-of-insurance-infographic/) - Some of the most common questions we receive are related to Certificates of Insurance. For many independent contractors and small business owners looking to expand their client base, there is often a moment of panic when they are asked to provide their certificate. Do you have a certificate? Is it up to date? Is all
- [Hired and Non-Owned Auto Insurance Explained](https://insureyourcompany.com/blog/hired-and-non-owned-insurnce/) - Hired and Non-Owned Auto Insurance is coverage that business owners can purchase to protect themselves financially from damages caused by vehicles that they do not own, but which are used for business purposes. This coverage provides liability protection for property damage or bodily injury to third parties involved in an auto accident with someone from
- [3 Tips For Dealing With Difficult Employees](https://insureyourcompany.com/blog/3-tips-for-dealing-with-difficult-employees/) - Much as it may surprise many employees, letting go of staff members is one of the more difficult business owner responsibilities. While you may feel a sense of relief once you finally get rid of a “bad apple,” it probably won’t make up for the weeks, months, or even years you might have to deal with the stress and discomfort of the termination. One of your business owner responsibilities is to manage risk and problem employees can certainly pose a risk to your business. You can minimize that potential risk if you remember the following tips.
- [Limited Liability Company (LLC) and what types of insurance they need](https://insureyourcompany.com/blog/limited-liability-company-llc-and-what-types-of-insurance-do-they-need/) - What is an LLC? A Limited Liability Company (LLC) is a business entity that provides limited liability to its owners. This means that the owners' assets are protected if the company is sued. Limited liability companies are a popular choice for small businesses, and there are several types of insurance that they should consider purchasing.
- [Know the Signs of Fraud to Prevent Millions in Losses](https://insureyourcompany.com/blog/know-the-signs-of-fraud-to-prevent-millions-in-losses/) - DON’T GET SCAMMED - Social Engineering /Deception Fraud is a serious CRIME. It is commonly perpetrated by IMPOSTERS that contact your clients and intentionally mislead them to divert YOUR INVOICE payments to other bank accounts. Here are two examples: A criminal posing as a company manager or outside vendor sends an email request for a
- [Increase Your Earning Potential by Solving Bigger Problems](https://insureyourcompany.com/blog/increase-your-earning-potential-by-solving-bigger-problems/) - Everyone aspires to earn more money for their skills and expertise. As your career progresses, you may be paid more for the solutions you can provide. But the value of those solutions, and your potential income, is limited to the value of the problem and the ability of your clients to pay. If you work
- [Tech Consulting Job Search: How to Work with Recruiters to Weed Out the Noise and Get the Jobs that Matter](https://insureyourcompany.com/blog/tech-consulting-job-search-how-to-work-with-recruiters-to-weed-out-the-noise-and-get-the-jobs-that-matter/) - Tech consulting is a great field. However, there are often a few hundred listings to sort through and only a few real jobs that meet your goals. As a tech consultant, it can be tough to find the right contract or employment opportunity just by sorting through the job boards. Half the listings are decoys
- [Is Insurance Different for Electric Vehicles?](https://insureyourcompany.com/blog/is-insurance-different-for-electric-vehicles/) - More and more people are looking at ways to save the environment. They want to do their part to make it better. One such way is to buy an electric vehicle instead of a conventional one. These vehicles can be more costly, but many hope that the amount of money that they save on gas
- [How to Set Realistic Goals In 2022](https://insureyourcompany.com/blog/how-to-set-realistic-goals-in-2022/) - Almost everyone can attest that 2021 was a pretty uncertain year. Most people started the year full of hope and anticipation, considering the COVID-19 pandemic. However, uncertainty continued to linger as many people did not know what to expect. The high levels of uncertainty led to increased anxiety, low mood, and increased OCD, among other
- [How to Stay Motivated and Keep Up with Your Career Goals](https://insureyourcompany.com/blog/how-to-stay-motivated-and-keep-up-with-your-career-goals/) - Being motivated and goal-oriented is a valuable personal quality necessary for producing impactful results in the workplace. Unfortunately, motivating yourself can be challenging. Trying to sustain your drive through a career project can be an uphill task. Human beings tend to have a natural aversion to persistence that no amount of inspiration quoted from coffee
- [What Technology Companies Need to Know About Cryptocurrency](https://insureyourcompany.com/blog/what-technology-companies-need-to-know-about-cryptocurrency/) - It's no secret that cryptocurrency is creating a frenzy in the tech industry. The price of bitcoin price has skyrocketed, sending investors on a mad dash to get their hands on this new digital currency. It has also dropped precipitously at times. While some are uncertain about its long-term prospects, others see it as an
- [Five Tips To Pick The Best Cloud Based Service For Your Tech Start Up](https://insureyourcompany.com/blog/five-tips-to-pick-the-best-cloud-based-service-for-your-tech-start-up/) - Finding the right cloud-based service for your start-up tech business can be tough. There are several cloud-based services on the market, which vary in price, features, and size of storage. The three biggest competitors, Amazon Web Services (AWS), Microsoft Azure, and Google Cloud Platform (GCP) offer a variety of options, with different costs and promotions
- [The Importance of Time Management for Software Developers](https://insureyourcompany.com/blog/the-importance-of-time-management-for-software-developers/) - The Importance of Time Management for Software Development Time management is critical to success in life. While the actions involved in time management may vary, the premise remains the same. Like many hired professionals worldwide, you realize that scheduling is a skill that can be learned before it can be effectively used. Now it's time
- [Insurance for Software Engineers, Explained](https://insureyourcompany.com/blog/insurance-for-software-engineers-explained/) - Business insurance is meant to protect your business (and often yourself). There are many types of insurance products available for businesses to ensure that you are properly covered. With the wide range of coverage options available, it can be difficult to know what is right for your company. Some businesses need more coverage than others
- [What Are Computer Consultants, and Why Do They Need Technology Errors and Omissions Insurance?](https://insureyourcompany.com/blog/what-are-computer-consultants-and-why-do-they-need-technology-errors-and-omissions-insurance/) - Today, many businesses rely heavily on technology to drive day-to-day operations. While innovation has made many of our procedures more streamlined, technology failures and security breaches are growing areas of concern. Technology failures and security breaches cause substantial financial burdens, and businesses may look to hold technology providers who are designing and maintaining their systems
- [4 Tips for Hiring the Best Employees](https://insureyourcompany.com/blog/4-tips-for-hiring-the-best-employees/) - A company is only as good as the people who make it run. Primarily, this is the employees. Getting good employees isn't as simple as just wanting them, though. There are, however, several simple things you can do to improve the quality of applicants to your company as well as your hiring process to make
- [Jaime’s Thankful Thoughts](https://insureyourcompany.com/blog/jaimes-thankful-thoughts/) - Thanksgiving last year was rough, to say the least. While I won’t get into the specifics of how hard this holiday was for the entire planet, I will say it was especially difficult to plan one of the most family-oriented holidays of the year. Just getting a few people from different households in the same
- [How Working from Home Has Changed and How Coworkers are Communicating and Creating Ideas](https://insureyourcompany.com/blog/how-working-from-home-has-changed-and-how-coworkers-are-communicating-and-creating-ideas/) - It's been a while, but do you remember bumping into colleagues in the office hallway, chatting about weekend plans or an ongoing big project? The COVID-19 pandemic has altered every aspect of our work and life. It has caused a rapid shift to full-time remote work for many workers. Many companies are adopting working from
- [How Personal Umbrella Insurance Protects You](https://insureyourcompany.com/blog/how-personal-umbrella-insurance-protects-you/) - Life is full of uncertainties and accidents can happen at any time. A personal umbrella policy can provide an extra layer of coverage to protect what matters most. Umbrella Insurance Protection You can add umbrella insurance to an underlying homeowner's, auto, or boat insurance policy. It generally covers injuries, property damage, and certain lawsuits or liability
- [The History of Worker's Comp Insurance & Why it Exists](https://insureyourcompany.com/blog/the-history-of-workers-comp-insurance-why-it-exists/) - Nearly every state requires employers to carry worker's compensation insurance. Failure to carry the appropriate insurance can result in fines and expose the business to claims from an injured employee. Why Does Worker's Comp Insurance Exist? Worker's comp insurance exists because workplace injuries happen. In most cases, workers' compensation is the “exclusive remedy” available to an
- [Why life insurance is important for business owners](https://insureyourcompany.com/blog/why-life-insurance-is-important-for-business-owners/) - One of the many reasons people start their businesses is to provide a better lifestyle for their families. Most business owners are both financially and professionally risk-takers by nature. Although entrepreneurs need to spend most of their time preparing for the rewarding business meetings and elevator speeches, only a handful give equal importance to the
- [How to Become a Successful Business Leader](https://insureyourcompany.com/blog/how-to-become-a-successful-business-leader/) - The success of your business comes down to your leadership skills. You are responsible for motivating the staff, setting attainable goals, and embodying the culture of the organization. However, becoming a successful leader in the business world isn't as simple as it seems. It means possessing unique qualities that can help drive your business forward.
- [What does it mean to work for a 20 year company? A look inside InsureYourCompany.com](https://insureyourcompany.com/blog/a-look-inside-insureyourcompany/) - InsureYourCompany.com is celebrating its 20 year anniversary in 2021. The company was started in 2001 in East Brunswick, New Jersey, and has come a long way since then; now employing over 24 employees and having it’s home base in Manalapan, NJ. What’s the best way to get to know what an employee’s experience is? Interviewing
- [Cyber Security: Currents Trends on Prevention Methods and News on Data Breaches](https://insureyourcompany.com/blog/cyber-security-currents-trends-on-prevention-methods-and-news-on-data-breaches/) - Cyber-attacks and threats are still an ongoing fight. Businesses are using different prevention methods to keep their data, cash flow, and customers safe online. The aim is to have a robust security measure that prevents various cyber threats experienced in the recent past. Some of the top risks businesses work against include: Internet-borne attacks such
- [How Augmented Reality is Revolutionizing the Healthcare Industry](https://insureyourcompany.com/blog/how-augmented-reality-is-revolutionizing-the-healthcare-industry/) - Augmented reality has seen an explosion in growth over the last several years. In 2020 alone, the global augmented reality market was valued at roughly $17.67 billion and is expected to grow by 43.8% by 2028. Much of this growth is being driven by the healthcare industry. Augmented reality presents an opportunity for education and visualization that
- [Using Online Safety Training to Prevent Workers' Compensation Claims](https://insureyourcompany.com/blog/using-online-safety-training-to-prevent-workers-compensation-claims/) - Your company may already offer safety training in-person and perhaps you think that is the only viable method of delivery, especially if your manufacturing plant had citations or violations from the Occupational Safety & Health Administration (OSHA) in the past. You also might own a startup and believe that your only option to fulfill OSHA
- [One Useful Tool to Share Passwords Securely](https://insureyourcompany.com/blog/one-useful-tool-to-share-passwords-securely/) - Every team needs the right software tools to do their jobs well. Today, were here to talk about what it takes to share a password securely in the all-too-often circumstances where this is necessary in the business world - with coworkers, clients, and business partners. In an ideal world, passwords would be easy, secure, and known only to one person. In
- [Information Technology: Five Tips for Establishing a Successful Software Company](https://insureyourcompany.com/blog/information-technology-five-tips-for-establishing-a-successful-software-company/) - In the contemporary world, everyone is looking for ways to utilize technology to succeed in their various fields of expertise. Businesses desire to go digital and exploit technological advancements to automate their operations. In the next three years, you can expect more than thirty-four percent of workers to have automated their jobs. All this is
- [How to Keep Your Employees Happy and Productive](https://insureyourcompany.com/blog/how-to-keep-your-employees-happy-and-productive/) - Hiring employees is a big step for small businesses. It shows that you have grown enough to need some help to get through your daily activities. However, once you hire some people to help you continue to grow your business, your work isn't over. In fact, many would say that you have even more to
- [Tips on Maintaining an Effective Workforce](https://insureyourcompany.com/blog/tips-on-maintaining-an-effective-workforce/) - Once you have a few employees under your employ, you are going to have to change your way of thinking. Instead of just being a business owner, you are now an employer. You are the one who is going to be in charge of them (and the future of your business). You need to find
- [Why College Students Need Renters Insurance](https://insureyourcompany.com/blog/why-college-students-need-renters-insurance/) - When heading off to college there are a lot of things to think about. Finding a place to live is high on the list. Whether you opt for dorm or off-campus housing, you are going to need to buy some things or take them from home. A laptop, school supplies, and television are standard big-ticket
- [Cyber liability risk management - Not Just For Large Companies](https://insureyourcompany.com/blog/cyber-liability-risk-management-not-just-for-large-companies/) - As a small business owner, the last thing you need on your plate is to become a victim of a cyber-attack or breach. Unfortunately, cyber-attacks and data breaches are becoming increasingly commons, and dealing with an issue is always simpler if there is a plan in place. According to a US Small Business Administration survey,
- [Insurance and Business Tips for New Business Owners](https://insureyourcompany.com/blog/insurance-and-business-tips-for-new-business-owners/) - Starting a new business can be scary. That being said, it also could be the best thing that you have ever done. You get to be the boss, make your own hours, and do what you love. However, you must think carefully when you start a business. Here are some insurance and business tips for
- [10 Most Influential People In Business Right Now](https://insureyourcompany.com/blog/10-most-influential-people-in-business-right-now/) - Through innovative ideas and abilities to overcome adversity, business leaders have made major impacts in the world. The ways we communicate, travel, and interact with the world began with ideas from business leaders. Those seeking to start their businesses or propel their ideas forward need to look to these ten influential business people for inspiration.
- [Customer Experience, Loyalty, and Retention in a Post-COVID World](https://insureyourcompany.com/blog/customer-experience-loyalty-and-retention-in-a-post-covid-world/) - The insurance industry is at an interesting crossroads since the COVID-19 pandemic. As New Jersey insurance agents, we work in an evolving landscape that must somehow balance speed and efficiency with excellent customer service, and a meticulous focus on accuracy, privacy, and security. We hate to tout the "new normal" concept. Still, we can't deny that
- [Everything You Need to Know About Cannabis Insurance](https://insureyourcompany.com/blog/everything-you-need-to-know-about-cannabis-insurance/) - Being a newly legalized industry with ever-changing regulations, many business owners fall at risk of purchasing either substandard or wrong insurance policies. Cannabis businesses need to juggle between several potential financial risks while mitigating customer claims. Let's not forget that every business needs to stay in compliance to maintain an operating license. Did you know
- [Insurance Claims Help NCAA Recoup Funds After Lost Tournament](https://insureyourcompany.com/blog/insurance-claims-help-ncaa-recoup-funds-after-lost-tournament/) - Insurance is like seasoning for a chef who's cooking a dish. It's easy to overdo it, using too much, thereby ruining the dish. Likewise, the right amount makes it perfect. Having no flavor in a meal is perhaps the worst case. In the same way, proceeding without proper insurance coverage is the worst-case for businesses
- [Understanding Action Over Coverage and Why It's Crucial](https://insureyourcompany.com/blog/understanding-action-over-coverage-and-why-its-crucial/) - It's never a good day when someone is injured on the job. Pain, recovery, and costs are all part of this terrible process. However, the hurt on the surface may not be as far as things go, including for an employer. While a worker is obviously entitled to workers' compensation for being hurt on the
- [5 Considerations When Buying a Sleeper Semi-Truck](https://insureyourcompany.com/blog/5-considerations-when-buying-a-sleeper-semi-truck/) - Are you looking to become an owner-operator of a semi-truck or add a semi to a growing business? Owning your own truck gives you the freedom to drive as an independent contractor, choosing your routes and your loads. One of the things you can choose is whether to drive a day truck or a sleeper
- [Protecting Your Business With Business (Not Personal) Insurance](https://insureyourcompany.com/blog/protecting-your-business-with-business-not-personal-insurance/) - Managing a business is a lot more than just standing behind a counter and ringing people up. No matter your industry, there's a ton to consider with regard to making your company as safe and successful as it can be. One such consideration is insurance, a fairly crucial element in not being left destitute if
- [5 Hobbies You Can Take Up to Improve Your Business Ability](https://insureyourcompany.com/blog/5-hobbies-you-can-take-up-to-improve-your-business-ability/) - Free time is a valuable thing. Focusing your entire life around running a business isn't healthy or productive and only leads to unhappiness and strife. Taking the time to relax and do something you enjoy is a great way to recharge and realign yourself. Beyond that, however, hobbies can actually be a major indirect help
- [Serving Up Hope: Local New Jersey Non-Profit Helps Community During Covid-19](https://insureyourcompany.com/blog/serving-up-hope-local-new-jersey-non-profit-helps-community-during-covid-19/) - During the Holiday season it is more important than ever to give back to the community and those less fortunate. We have invited Gwendolyn Love, Executive Director of Lunch Break to give us an update on how they are weathering Covid-19, how they are helping others and how you can help Lunch Break continue to
- [The SBA’s Economic Injury Disaster Loans (EIDL)](https://insureyourcompany.com/blog/the-sbas-economic-injury-disaster-loans-eidl/) - The EIDL (Economic Injury Disaster Loan) provides economic relief to small businesses and non-profit organizations that are currently experiencing a temporary loss of revenue. Small businesses throughout the US are facing unparalleled economic interruptions due to the COVID-19 pandemic. Substantial economic injury means the business is unable to meet its obligations and to pay its
- [Restaurants Request Government-Backed Insurance Among Other Things](https://insureyourcompany.com/blog/restaurants-request-federal-government-backed-insurance-among-other-things/) - The restaurant industry anticipates a loss of $275 billion dollars, and 7 million jobs due to the Covid-19 pandemic. Consequently, the National Restaurant Association requested relief on behalf of restaurants and their employees, noting that many restaurants may not resume service if the federal government does not take immediate action. The association gave recommendations to
- [Types of Equipment for Your Post-COVID Business Plan](https://insureyourcompany.com/blog/types-of-equipment-for-your-post-covid-business-plan/) - Globally, every business is facing a new landscape. Even businesses that operated remotely before Covid are adapting. In many cases, a new business plan is necessary to keep serving your customers under new conditions. Local businesses are figuring out no-contact and delivery services. E-commerce and remote services are helping customers adapt to their individual circumstances.
- [Keys to Expressing Mindfulness & Gratitude for Work](https://insureyourcompany.com/blog/keys-to-expressing-mindfulness-gratitude-for-work/) - No matter where you are or what you're doing, mindfulness and gratitude involves choosing a state of being. From deadlines to difficult customers and employees, it's often difficult to maintain this state of being while running a business. Let's explore how to nurture and express mindfulness and gratitude for work. Perspective Your perspective is key
- [Does Workers' Compensation Cover Employees Who Contract COVID-19?](https://insureyourcompany.com/blog/does-workers-compensation-cover-employees-who-contract-covid-19/) - Workers' compensation benefits provide employees with protection for work-related injuries and illnesses. In most states, workers' compensation insurance is required by law. COVID-19 exposure is a new concern in the workers' compensation realm, and it is not always clear if employees who contract Covid-19 are entitled to workers' compensation benefits. The answer depends on the
- [Meet the Agents: Fall Edition!](https://insureyourcompany.com/blog/meet-the-agents-fall-edition/) - During the fall season we had the opportunity to get to know our agents with our, “Meet the Agent” series. Getting to know your agent on a personal level can really help with the insurance process. Did you know that your agent Joe played NCAA Division III soccer in college? Or that your renewal agent
- [Practical Advice: Filing for Unemployment as a Small Business Owner](https://insureyourcompany.com/blog/practical-advice-filing-for-unemployment-as-a-small-business-owner/) - COVID-19 has put a lot of small business owners, the self-employed, and freelancers in a difficult situation. Many have found their income has dropped or eliminated completely. So, can a small business or freelancer that is a single member LLC file for unemployment? The quick answer is yes but there are some things to keep
- [7 Key Tips for Running a Successful Small Business](https://insureyourcompany.com/blog/7-key-tips-for-running-a-successful-small-business/) - Operating a small business is a challenging but rewarding experience. For as much as you gain from setting your own hours, profiting from your hard work, and owning the resources to carry forward with you for a bright future, being the boss comes with a lot of responsibilities. First and foremost, you won't be in
- [Business Interruption Insurance 101](https://insureyourcompany.com/blog/business-interruption-insurance-101/) - We know that most business owners have a lot of insurance questions, especially in this current climate. Many companies want to know more about business interruption insurance. Our experts have the answers you have been searching for information that can help you make smart decisions. Here is what you should know: What is business interruption
- [Ways for Your Business to Give Back During COVID-19](https://insureyourcompany.com/blog/ways-for-your-business-to-give-back-during-covid-19/) - Many people and businesses are struggling during COVID-19, which makes charities and non-profit organizations more important than ever. Even if your business has struggled now is an ideal time to give back to the community any way that you can. There are many ways for your business to give back during COVID-19. VOLUNTEERING/DONATING There are
- [Commercial Insurance: If You Have to Ask, You Need It](https://insureyourcompany.com/blog/commercial-insurance-if-you-have-to-ask-you-need-it/) - Business insurance can be a tricky space to navigate, and it can be hard to know how much and what kind of coverage is needed. If your business needs more than one type of insurance, are they all available from the same insurer? How much will it affect your bottom line, and what types of
- [Meet The Agents](https://insureyourcompany.com/blog/meet-the-agents/) - Here at InsureYourCompany.com, we believe there are many facets to an employee’s life- both in and out of the office. Not everyone knows about their insurance policies because not everyone knows about their insurance agent. Every month we interview a select number of our agents and get to know them a little better with the
- [Top Challenges of Working Mobile](https://insureyourcompany.com/blog/top-challenges-of-working-mobile/) - Over the last decade, mobile working has increased dramatically. There's no doubt that the future economy will be built on a mobile paradigm. Reduced running costs and increased productivity have been some of the reasons why major and small companies alike have embraced the idea of remote working. While the benefits of this approach are
- [5 Ways to Make Working Remotely Feel Less Remote](https://insureyourcompany.com/blog/5-ways-to-make-working-remotely-feel-less-remote/) - If you're one of the many people who have made the transition from the office to the home office over the last few months, it's natural to miss the traditional workplace after so much time. Even more than the structure, fresh air, and change of pace it would provide, one of the major benefits of
- [Coronavirus will be the largest loss on record for insurers, Lloyd’s of London says.](https://insureyourcompany.com/blog/coronavirus-will-be-the-largest-loss-on-record-for-insurers-lloyds-of-london-says/) - The coronavirus has had an enormous impact on virtually every industry, including the insurance sector. According to Lloyd's of London, Covid-19 is expected to cause the largest loss to the insurance industry on record. Lloyd's estimates that its own COVID-19 related claims will top $4 billion by late June and it is feared this number
- [Why You Should Inform Your Insurance Broker When Your Company Operations Change](https://insureyourcompany.com/blog/why-you-should-inform-your-insurance-broker-when-your-company-operations-change/) - Changing your company's operations can be a busy time. You might be rolling out a new product, expanding your business outside of your home state, or adding new vehicles or buildings. Businesses need to be addable, but changes in your operations can affect your insurance coverage. Your new venture may not be covered by your
- [5 Reasons Why Life Insurance is Vital for Entrepreneurs](https://insureyourcompany.com/blog/5-reasons-why-life-insurance-is-vital-for-entrepreneurs/) - Your business means stability and financial security. However, many entrepreneurs fail to take out life insurance, putting their businesses and families at risk in the event something unforeseen happens. LIMRA's Life Insurance Barometer study revealed that 41 percent of business owners do not have life insurance covers. The sudden death or disability of a key
- [Ignite Training LLC Personal Training](https://insureyourcompany.com/blog/ignite-training-llc-personal-training/) - Every weekday during quarantine, InsureYourCompany.com has provided a half hour long guided workout with trainer Melanie Levenson of Ignite Training LLC. Our employees are encouraged to take this class which is done virtually through a zoom conference. Here are a few words from Melanie Levenson of Ignite Training LLC: Active aging adults make up a
- [Preparing for a Landslide of Covid-19 Liability Claims](https://insureyourcompany.com/blog/preparing-for-a-landslide-of-covid-19-liability-claims/) - As the business community reopens, and the "new normal" begins, new issues and dilemmas will surface. Civil, administrative and criminal liability claims will likely increase as people analyze health and safety rulings, seek compensation for losses. There is no precedent, no established jurisprudence, no rules by which to clearly determine liability regarding the circumstances of
- [5 Key Tips to Writing a Business Plan](https://insureyourcompany.com/blog/5-key-tips-to-writing-a-business-plan/) - Business plans are essential for many reasons. Not only is it important for you to know where you want to go with your business, but a solid business plan is also a necessary step for securing investment in your company. A good business plan looks at short-term and long-term goals and outlines a blueprint for
- [Small Business Spotlight: Lunch Break](https://insureyourcompany.com/blog/small-business-spotlight-lunch-break/) - InsureYourCompany.com’s Small Business Spotlight aims at finding businesses in our community that are breaking down boundaries, helping their clients in unique ways and making a positive impact in the world. We think Lunch Break’s mission to freely provide food, clothing, life skills and fellowship to those in need in Monmouth County and beyond exemplifies those
- [Beware of Cyber Threats and Scammers Exploiting COVID-19](https://insureyourcompany.com/blog/beware-of-cyber-threats-and-scammers-exploiting-covid-19/) - In the midst of the COVID-19 pandemic, illness isn't the only threat facing many businesses. Cyber threats and scammers are on the rise in the midst of the pandemic, as well. Your emails could pose a source of danger for your business and your employees--but with the right training and the right responses, you can
- [5 Smart Social Media Marketing Tips for New Businesses](https://insureyourcompany.com/blog/5-smart-social-media-marketing-tips-for-new-businesses/) - As the owner of a new, small business, you probably have more concerns and challenges than you have time to address. There's everything from maintaining cash flow to hiring the right people to protecting your new company with the right kinds of business insurance. But all those concerns won't mean much if your business doesn't
- [The New Normal: Small Business Guidance in a Post-Coronavirus Economy](https://insureyourcompany.com/blog/the-new-normal-small-business-guidance-in-a-post-coronavirus-economy/) - As small businesses begin to recover from the immediate crisis, they must begin looking forward to what their "new normal" will be. Right now, the majority of small businesses are getting hammered by shock waves from the coronavirus's impact on the global and national economy. A McKinsey Global Institute analysis, based on multiple sources, indicates
- [What Businesses Should Learn From Zoom’s Privacy And Security Flaws When Using Video Conferencing](https://insureyourcompany.com/blog/what-businesses-should-learn-from-zooms-privacy-and-security-flaws-when-using-video-conferencing/) - Zoom Video Communication Inc. was sued by one of its shareholders for overstating its privacy standards and not disclosing that its service was not entirely secure. The shareholder claimed that media reports highlighting the privacy and security flaws in the video application resulted in the plummeting of the company's stock. Zoom lost nearly a third
- [Understanding Your Customers for Better Marketing Success](https://insureyourcompany.com/blog/understanding-your-customers-for-better-marketing-success/) - What are the most efficient ways to better understand customers, to gain detailed facts about their preferences? The methods chosen to garner this information may vary from business to business, but communication and data analysis, in one form or another, are the tools that build sound insight. From old school personal contact with customers to
- [Business Continuity And Recovery Plans: What CIOs Should Do Now](https://insureyourcompany.com/blog/business-continuity-and-recovery-plans-what-cios-should-do-now/) - The coronavirus outbreak is spreading throughout the world and its economic symptoms continue to emerge. A growing number of small and established companies, like Apple and Walmart have announced they will not hit their financial goals for the next quarter due to major disruptions in the supply chain and reduced customer demand. To mitigate the impact, most
- [Working from Home as told by the InsureYourCompany.com Employees](https://insureyourcompany.com/blog/working-from-home-as-told-by-the-insureyourcompany-com-employees/) - Like most businesses in the U.S., we are working from home. Since it has been a few weeks, we’ve been asking our team: what’s it like for us to work from home? Is it better or worse? Here is what our amazing team at InsureYourCompany.com and InsureYourHome.com had to say about the work from home
- [Keeping Employees Happy During Non-Working Hours](https://insureyourcompany.com/blog/keeping-employees-happy-during-non-working-hours/) - As the self-quarantine from the COVID-19 pandemic continues, non-essential workers are on their 3rd or 4th week working from home while essential workers bravely and selflessly trek into hospitals, grocery stores, fire stations and various other places. During this time, you may have seen an abundance of articles about getting through the workday and staying
- [The In's and Out's of Business Interruption Insurance](https://insureyourcompany.com/blog/the-ins-and-outs-of-business-interruption-insurance/) - COVID-19 Update: Losses due to COVID-19 often do not trigger coverage Business interruption insurance typically requires physical damage or loss to property A government-mandated closure or workforce shortage may not trigger coverage Losses caused by a virus are routinely excluded
- [Working From Home? What Employers And Employees Should Know About Cyber Security](https://insureyourcompany.com/blog/working-from-home-what-employers-and-employees-should-know-about-cyber-security/) - The coronavirus outbreak has had a huge impact on workplaces. Many companies are encouraging their employees to work from home. But this move creates a major risk- cybersecurity. According to the FBI's Internet Crime Report, cyber-attacks cost the U.S economy and small businesses about $2.7 billion in 2018 alone. Cybercriminals tend to target small businesses because they
- [What You Need To Know About New Jersey's Quarantine Order](https://insureyourcompany.com/blog/what-you-need-to-know-about-new-jerseys-quarantine-order/)
- [7 Proven Tips To Building A Successful Business Today](https://insureyourcompany.com/blog/7-proven-tips-to-building-a-successful-business-today/) - Many aspiring entrepreneurs often talk about how they want to start businesses to employ themselves, take long vacations, and spend more time with family and friends. But all these rewards come at the very end- after hard work, sacrifices, dedication and thousands of hours. The reality is that building a successful business today is no
- [4 Insurance Basics New Businesses Should Know](https://insureyourcompany.com/blog/4-insurance-basics-new-businesses-should-know/) - New businesses often make one costly mistake- not buying adequate insurance. It is a very easy mistake to make. At this time, money is usually tight and there are so many things to do or think about. But while protecting yourself and your business against potential threats might seem unimportant at this stage, a single lawsuit,
- [How To Submit A Business Insurance Claim](https://insureyourcompany.com/blog/how-to-submit-a-business-insurance-claim/) - If you're a business owner or manager, understanding how to submit an insurance claim is crucial. This can be the difference between getting the money you need to get your business back on track and having your claim denied. Although the process may vary from one insurer to another, there are certain steps that can
- [Workers' Compensation: Where it All Began](https://insureyourcompany.com/blog/workers-compensation-where-it-all-began/) - 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
- [Do I Need Insurance for My Business?](https://insureyourcompany.com/blog/do-i-need-insurance-for-my-business/) - 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
- [So You Already Have A Broker? Here’s What You Should Know About Business Insurance](https://insureyourcompany.com/blog/so-you-already-have-a-broker-heres-what-you-should-know-about-business-insurance/) - 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
- [Why You Need Business Insurance as a CPA](https://insureyourcompany.com/blog/why-you-need-business-insurance-as-a-cpa/) - 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
- [Auto Insurance: Tips on Buying a New Car for Your Business](https://insureyourcompany.com/blog/auto-insurance-tips-on-buying-a-new-car-for-your-business/) - 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
- [Hunger Action Month](https://insureyourcompany.com/blog/hunger-action-month/) - 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
- [Avoiding Severe Penalties for the Lack of Workers Compensation Coverage in NY](https://insureyourcompany.com/blog/avoiding-severe-penalties-for-the-lack-of-workers-compensation-coverage-in-ny/) - 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
- [Business Insurance Basics: What Every Business Owner Needs to Know](https://insureyourcompany.com/blog/business-insurance-basics-what-every-business-owner-needs-to-know/) - 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
- [8 Important Tax Tips for Businesses](https://insureyourcompany.com/blog/8-important-tax-tips-for-businesses/) - 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.
- [Office Hacks: Tips to Be More Productive In The Office](https://insureyourcompany.com/blog/office-hacks-tips-to-be-more-productive-in-the-office/) - Working in an office isn't for everyone. It can become monotonous and boring, especially if you spend eight or more hours sitting in one spot. However, it doesn't have to be. You can be productive while working in an office. Here are some tips to help. Make a list of things that you need to
- [Why You Need Insurance For Your Hair Salon or Barber Shop](https://insureyourcompany.com/blog/why-you-need-insurance-for-your-hair-salon-or-barber-shop/) - You probably feel like a hair salon or barbershop is one of the least likely businesses to need professional liability insurance. On the contrary, barbershops and hair salons are highly vulnerable and must be protected from lawsuits and claims. The following are five situations where professional liability insurance would come in handy for you if you own a barbershop
- [Why shifting away from a PEO might be best for your business](https://insureyourcompany.com/blog/why-shifting-away-from-a-peo-might-be-best-for-your-business/) - For some companies a PEO can offer convenience – but it comes at a price. Leaving a PEO can save you tens or hundreds of thousands of dollars each year. While PEO contracts can be complicated, shifting away from a PEO doesn’t have to be. A licensed insurance broker can help. Professional employer organizations (PEOs)
- [You Finally Own Your Dream Restaurant: What Kinds of Insurance Do You Need to Protect That Dream?](https://insureyourcompany.com/blog/you-finally-own-your-dream-restaurant-what-kinds-of-insurance-do-you-need-to-protect-that-dream/) - When you're starting up a new restaurant, you tend to think about things like menu options, marketing, and design—one of the last things restaurant owners think about is insurance. That can be a costly mistake. 40% OF RESTAURANTS MAKE A PROPERTY OR LIABILITY CLAIM That's right—about 2 of every 5 restaurants experience a liability or
- [Small Business Spotlight](https://insureyourcompany.com/blog/small-business-spotlight/) - It’s no secret that small businesses are passionate about their clients and performing to the highest ability. InsureYourCompany.com believes that these small businesses deserve recognition. This is why we have created our Small Business Spotlight. Our Small Business Spotlight is where we highlight up-and-coming businesses in New Jersey. We get to sit down with the
- [4 Important Reasons to Offer Your Employees Dental Insurance](https://insureyourcompany.com/blog/4-important-reasons-to-offer-your-employees-dental-insurance/) - Dental insurance: many employees consider it a key part of the package when they're looking at employee benefits for a new job, but, as an employer, you might still be on the fence about whether you need to offer it to your employees. If you've been putting off a decision about dental insurance for your
- [Fraudulent Inducement](https://insureyourcompany.com/blog/fraudulent-inducement/) - Today we’re going to talk about fraudulent inducement. Your business is working really well and you’re making some money and all of a sudden your HR or accounting person comes to you and says, “Hey we’re not getting any invoices from XYZ company.” And you go jeez that’s strange, XYZ company is always on time.
- [Workers' Compensation Audit](https://insureyourcompany.com/blog/workers-compensation-audit/) - What is Workers’ Compensation? Workers’ Compensation is insurance, required by law, to protect an employee so there are benefits in case they get hurt. Workers’ Compensation also provides something called Employer’s Liability to protect you as the employer in case the employee sues you because they got injured or hurt on the job. What’s
- [The Value of having Employer's Liability Insurance](https://insureyourcompany.com/blog/the-value-of-having-employers-liability-insurance/) - The Value of Employer's Liability Insurance - When Workers' Compensation Isn't Enough Do you own or run a business? If you're like many business owners, you may think that all work-related injuries are covered by workers' compensation benefits. However, sometimes there are exceptions. That's why employer's liability insurance is needed. Here's what you need to
- [Why Census is Important for Quoting Group Health Insurance](https://insureyourcompany.com/blog/why-census-is-important-for-quoting-group-health-insurance/) - One of the major benefits of group health insurance is that it is often more affordable than individual insurance. Since the risk is spread out over the entire group, each person pays a lower premium than they might have to pay on their own (depending upon the type of policy purchased). For employees, joining their
- [Does Your Company's Vision Include Billings and Claims?](https://insureyourcompany.com/blog/does-your-companys-vision-include-billings-and-claims/) - "Chase the vision, not the money; the money will end up following you." –Tony Hsieh, Zappos CEO Hsieh expresses a basic tenant of business success. But money is important to your success. You can remain true to your vision without the exhaustion of dealing with overdue invoices and ill well generated if you are perceived
- [Are you insuring your most valuable asset? - Your Job](https://insureyourcompany.com/blog/are-you-insuring-your-most-valuable-asset-your-job/) - You insure your car. You insure your home. Are you insuring your most valuable asset? You’re Job! If the unexpected were to occur, would you be able to support yourself for 6 months, 1 year or possibly longer? Disability Income Insurance protects the most important asset. Traditional policies cover 60% of income, tax-free. You determine
- [Wellness Programs: Are They Right For Your Business?](https://insureyourcompany.com/blog/wellness-programs-are-they-right-for-your-business/) - When we think about employee benefits, we often think of a salary, health insurance, dental insurance, and a 401k. Those are important aspects of a compensation package, but employers shouldn't overlook wellness programs. These programs are good for both individual employees and the company as a whole. What Is a Wellness Program? There are many
- [LLC and Sole Proprietorship Businesses Need Insurance](https://insureyourcompany.com/blog/llc-and-sole-proprietorship-businesses-need-insurance/) - A limited liability corporation(LLC) and a sole proprietorship need insurance. All businesses need protection. There are several types of insurance available to protect your business based on the products or services you offer. Types of Insurance Professional Liability Insurance Workers Compensation Insurance Risk and Property Protection Insurance Various insurance policies should be tailored to meet
- [Additional Insured Endorsement: How Can it Benefit Your Business?](https://insureyourcompany.com/blog/additional-insured-endorsement-how-can-it-benefit-your-business/) - Sometimes, starting a business relationship with another company, such as a general contractor, may be difficult before all parties can find a way to address additional liabilities that the partnership may potentially create. You may already have a commercial general or professional liability policy, but the insurance cover may fall short when the other business
- [Small Businesses, Keep It Simple: Focus on These 5 Areas for Success](https://insureyourcompany.com/blog/small-businesses-keep-it-simple-focus-on-these-5-areas-for-success/) - Whether you're just starting out or successfully running your own business, there's plenty for you to worry about. According to the Small Business Association, 30% of new businesses fail during the first two years of being open, 50% during the first five years and 66% during the first ten. You're probably thinking, "and this is
- [Collector Car Appreciation Day](https://insureyourcompany.com/blog/collector-car-appreciation-day/) - Today is Collector Car Appreciation Day! Are you TIRED of new cars constantly coming out, with no appreciation for the classic cars of the good old days? Well, I find it EXHAUST-ing. Give me a BRAKE, right? Aside from my cheesy puns, collector cars are no joke. Here are a few tips for anyone looking to
- [Spotlight Series: Manalapan Spine & Physical Therapy Center](https://insureyourcompany.com/blog/spotlight-series-manalapan-spine-physical-therapy-center/) - In this weeks Small Business Spotlight, we talk with Dr. Justin Bergin from Manalapan Spine & Physical Therapy Center! Dr. Justin Bergin has been a chiropractor for 16 years, 11 of those years spent building his practice. He recognizes that when you go to physical therapy you don't get the joint work and when you
- [Exceptionally Small Businesses Don't Need Complicated Insurance Policies](https://insureyourcompany.com/blog/small-businesses-dont-need-complicated-insurance-policies/) - Starting a small business, and keeping it running, doesn't have to be complicated. You can keep it exceptionally small and quite simple if that's what you want to do. You don't necessarily need to rent a space, hire employees, or grow it into a huge corporation in the future. You also don't need to have
- [Why Are We Better to Work With?](https://insureyourcompany.com/blog/why-are-we-better-to-work-with/) - You know that your company needs insurance. You may need health insurance policies for your employees, business insurance to help protect the business you've worked so hard to build, and auto insurance for your vehicles. Many businesses struggle to even know where to start as they choose their insurance. Why work with InsureYourCompany.com? There are
- [Thinking About Getting Insurance? It Doesn't Have to Be Scary](https://insureyourcompany.com/blog/thinking-about-getting-insurance-it-doesnt-have-to-be-scary/) - Getting insurance: for many customers, it's intimidating. You know that you need insurance to help protect your business, regardless of your industry. Unfortunately, many people start looking at different types of insurance and quickly become overwhelmed. How do you know what type of coverage you really need? How can you avoid legal issues and protect
- [Woman Reads Fine Print on Insurance Policy To Win $10,000](https://insureyourcompany.com/blog/woman-reads-fine-print-on-insurance-policy-to-win-10000/) - Whenever Donelan Andrews, who calls herself a "nerd," signs a contract, policy, or agreement, she makes sure that she reads and understands exactly what it is saying. She knows that most people don't bother. Even if they decide to read any of it, they rarely finish the entire contract, policy, or agreement. Most companies also
- [Liquor Liability - Legal Corner](https://insureyourcompany.com/blog/liquor-liability-legal-corner/) - Liquor liability is something you need to have, be well-versed on as a business owner, and have if your company plans to serve or allow alcohol at a company function. This includes a holiday party or even after hours drinks, always use caution. There are actually certain situations an employer can be held legally responsible
- [What is an Insurance Score and Why does it matter?](https://insureyourcompany.com/blog/what-is-an-insurance-score-and-why-does-it-matter/) - What is an Insurance Score? In the simplest terms, insurance scores (sometimes referred to as insurance credit scores) are ratings. These ratings are calculated and utilized by insurance companies. The long and short of the definition boils down into something relatively simple; an insurance score represents the probability that an individual will file an insurance
- [When an Employee Sues:  Employment Practices Liability and Non-Disclosure Agreements in New Jersey](https://insureyourcompany.com/blog/when-an-employee-sues-employment-practices-liability-and-non-disclosure-agreements-in-new-jersey/) - New Jersey has taken non-disclosure agreements to task. If an employee sues your company for discrimination, sexual harassment, retaliation or other employment issues, Employment Practices Liability Insurance (EPLI) can protect your business. Such lawsuits can cost your company $100,000 - $500,000+ in defense costs and damages. EPLI Insurance can absorb that burden so you can
- [5 Top Reasons for Insurance Companies Cancelling P&C Policies](https://insureyourcompany.com/blog/5-top-reasons-for-insurance-companies-cancelling-pc-policies/) - If you've ever been notified that your property and casualty (P & C) insurance policy is being canceled, you know how this can send shock waves throughout your being. Too often, people think their insurance policies will always be there for them, regardless of what they haven't done to keep their policies intact. Here are
- [6 Reasons Why You Should Review Your Personal Auto Policy Every 6 Months](https://insureyourcompany.com/blog/6-reasons-why-you-should-review-your-personal-auto-policy-every-6-months/) - If you have auto insurance, maybe you've never considered why it's important to review your policy every six months. Reviewing an auto insurance policy is even more critical when things have changed in your life, such as getting married or moving to a new location. Here are six reasons why you should review your personal
- [Key Factors to Consider Before Canceling an Insurance Policy](https://insureyourcompany.com/blog/canceling-insurance-policy/) - People cancel and change insurance providers for several reasons. One of the main reasons that an insurance policy is canceled is due to poor customer service, such as an agent is hard to contact. Often, customers switch companies because they're looking for cheaper premiums, while others have encountered negative experiences in filing claims. Regardless of
- [The Law of Success, Part 17: The Golden Rule](https://insureyourcompany.com/blog/the-law-of-success-part-17-the-golden-rule/) - This is the pinnacle of the Laws of Success! The Golden Rule is your standard for any and all human interaction. As you were growing up, I am sure time and time again you had your guardian constantly reminding you to "treat others how you want to be treated." Well, this is actually the basis
- [Wedding Insurance](https://insureyourcompany.com/blog/wedding-insurance/) - Your big day is coming up before you know it. You've already decided that you're going to join your life to the person you love most. What comes next? Hopefully, your wedding will go off without a hitch: no accidents, no injuries, and nothing unexpected. Unfortunately, things might not go as smoothly as you had
- [Law of Success, part 16: Tolerance](https://insureyourcompany.com/blog/law-of-success-part-16-tolerance/) - Intolerance has a long history of tearing down governments, causing war and increasing mob mentality. It is key in every aspect of your life that you learn how to have tolerance for others. As we are growing up, we are taught to believe what our family believes. So the first step in ensuring you are having tolerance
- [How to get to know your customers!](https://insureyourcompany.com/blog/how-to-get-to-know-your-customers/) - It’s often been pondered by great thinkers, “Can you really get to know anyone?” Although this is a deep question, this particular article isn’t about being philosophical. Getting to know your customers is a process that anyone can do. If you want to bring your business to the next level you need to fully understand
- [Auto Insurance: What Do You Do When You Buy A New Car?](https://insureyourcompany.com/blog/what-do-you-do-when-you-buy-a-new-car/) - If you're in the market for a new car, this is also a good time to revisit your auto insurance needs. After all, you'll want to make sure your new vehicle is properly insured when you drive it off the lot. The process of shopping for and purchasing an auto insurance policy when buying a
- [Buying Travel Insurance: 3 Factors to Consider When Traveling Internationally](https://insureyourcompany.com/blog/buying-travel-insurance-3-factors-to-consider-when-traveling-internationally/) - Are you planning an international trip this year? If so, you're probably making a list of everything you'll need to bring with you, such as the relevant countries currency, travel converters, important documents, and other items. One of the most important matters you'll need to take care of before you leave is getting international travel
- [Law of Success, Part 14: FAILURE](https://insureyourcompany.com/blog/law-of-success-part-14-failure/) - Everyone wants to achieve some form of success. But you cannot actually achieve true success until you have experienced the lessons from failure. Most people are afraid to take chances because it could cause them to have a temporary setback or delay in their career and climb of the corporate ladder. Most people are afraid to
- [12 Clever Tips to Lower Your Auto Insurance Premium](https://insureyourcompany.com/blog/12-clever-tips-to-lower-your-auto-insurance-premium/) - When you're building a career, a family, or a life on your own, every dollar in your budget counts. Everything is balanced against your after-taxes income. Where you can live, the kind of car you can drive, and what you can do for your evening recreation are determined by how your paycheck and expenses shake
- [Affordable Care Act 2019 - How does it affect my company?](https://insureyourcompany.com/blog/affordable-care-act-2019-how-does-it-affect-my-company/) - The Affordable Care Act of 2019: it seemed, for some time, as though it wouldn't exist. Despite political uncertainty, the ACA remains. While mandatory coverage for all Americans has been repealed there are still facets of the ACA in play--and as a business owner, it's important that you understand how it has the potential to
- [Small Business Spotlight: The Salon at Manalapan](https://insureyourcompany.com/blog/the-salon-at-manalapan/) - The Salon at Manalapan knows a thing or two about following your passion and staying a step above the rest. This salon brings Manhattan salon into the heart of Manalapan, NJ. After leaving pre-med to follow his true passion, hair, Lawrence Gerard was determined to stand out and change the salon business in New Jersey.
- [Compression Gloves and the Workplace: (Hand)le with care](https://insureyourcompany.com/blog/compression-gloves-and-the-workplace-handle-with-care/) - Are you taking care of the hands in your workplace? The most common work disability in the United States is Arthritis. Arthritis can cause pain and usually inflammation, over time you can also lose the use of muscles in the afflicted area. Carpal Tunnel Syndrome is the most common injury associated with computer typing. It
- [Law Of Success, Part 13: Concentration](https://insureyourcompany.com/blog/law-of-success-part-13-concentration/) - There is an art to being able to sit down and immediately concentrate all your attention on the most important task at hand. Being able to hone and refine this skill will accelerate your career growth. You want to concentrate on your definite aim, which we previously discussed in our The Law of Success, Part
- [How to Prevent Freeze Related Damage this winter!](https://insureyourcompany.com/blog/how-to-prevent-freeze-related-damage-this-winter/) - With winter fast approaching--or already here, in many parts of the country--it's important to start considering how to prevent freeze-related damage to your home. Even with insurance, repairing your home after a freeze-related incident can be expensive! You want to keep your home as safe and protected as possible to avoid expensive repairs. Tip #1:
- [When is the right time to buy life insurance?](https://insureyourcompany.com/blog/when-is-the-right-time-to-buy-life-insurance/) - Life insurance: you know that it's something that you need sooner or later, but when do you really need life insurance? At what point in your life should you acquire life insurance to help protect your loved ones and pay for your final expenses in the event of your death? Knowing when to acquire this
- [Why your business needs a Section 125 POP plan](https://insureyourcompany.com/blog/pop-plan/) - Do you run a small business? If you do, wouldn't it be great to allow your employees a legal way to not have to pay all their payroll taxes? If this is your desire, then your business needs a Section 125 POP plan. Do you have a Section 125 POP plan to offer to your
- [Is There a Penalty for Not Having Health Insurance in 2019?](https://insureyourcompany.com/blog/is-there-a-penalty-for-not-having-health-insurance-in-2019/) - In 2014, when the Affordable Care Act took effect, it didn't just aim to make healthcare more affordable. The ACA also included provision for ensuring that everyone had health insurance and failing to acquire insurance could lead to heavy penalties. According to this policy, individuals who failed to carry health insurance were typically hit by
- [Sick Leave Policy for New Jersey Jobs](https://insureyourcompany.com/blog/sick-leave-policy-for-new-jersey-jobs/) - Sick leave is time off work granted to an individual worker to address his/her health or that of a close relative (such as a spouse or child). New Jersey is one of ten states (plus Washington, D.C.) that mandates employers provide paid sick leave to its workers. The New Jersey Earned Sick Leave Law, effective on
- [8 Tips for a Successful Macy’s Thanksgiving Day Parade Trip](https://insureyourcompany.com/blog/8-tips-for-a-successful-macys-thanksgiving-day-parade-trip/) - (taken from a teenager in the early 2000’s) Some families have traditions of playing football outside on Thanksgiving Day, breaking the wishbone, or just gathering around the table saying what they are thankful about. My family participated in a few of those too, but there was nothing more daring and magical than attending the Macy’s
- [Your Insurance Score: Why It's Important and How to Improve It](https://insureyourcompany.com/blog/your-insurance-score-why-its-important-and-how-to-improve-it/) - Do you know your insurance score? If you're like many people, you may not even realize that you have an insurance score, but this is a critical factor for determining insurance premiums. Here's what you need to know about insurance scores, along with how to improve a negative score. What is an Insurance Score? Simply
- [Law of Success, Part 14: Cooperation](https://insureyourcompany.com/blog/law-of-success-part-14-cooperation/) - In your career, it is crucial to work with your colleagues as a team in order to have a successful business. The advantage of working together and the ability to have cooperation amongst each other as a unit is that each person is able to contribute their different experience and views. This then makes the
- [6 Types of Commercial Insurance for Nonprofit Organizations](https://insureyourcompany.com/blog/6-types-of-commercial-insurance-for-nonprofit-organizations/) - Nonprofit organizations play a huge role in helping society. Even though their main goal is to help people, instead of creating a profit, they're still considered small businesses. This means their people and assets need to be protected. Do you run a nonprofit organization? If you do, you probably don't have a large number of
- [Group Health Insurance: How are Dependents Handled in an Employer Provided Group Health Plan?](https://insureyourcompany.com/blog/group-health-insurance-how-are-dependents-handled-in-an-employer-provided-group-health-plan/) - Insurance is a way for us to ensure our loved ones are provided for in case of an unexpected illness, accident, injury or even death. For employers providing a group plan for their dedicated workers often come with many questions about continued coverage, eligibility, exceptions, exclusions and more. When it comes to covering dependent children, changes in the
- [The Law of Success, Part 12: Accurate Thought](https://insureyourcompany.com/blog/the-law-of-success-part-12-accurate-thought/) - In order to achieve the level of success you want, you have to have a clear understanding of what you want to achieve. The first step to accomplishing this is specifically writing down your major definite aim. We easily get consumed by the day to day duties of our roles and stressors of our life
- [The Importance of Providing High Quality Group Vision Insurance for Your Employees](https://insureyourcompany.com/blog/the-importance-of-providing-high-quality-group-vision-insurance-for-your-employees/) - Many people don't think vision impairment is a major disability, but it's one of the top ten causes of disabilities in the United States. What's more, 63 percent or more of American adults are wearing glasses or contact lenses. If you're a small business owner and not providing your employees with high-quality group vision insurance, here's why
- [Law of Success, Part 11:  Pleasing Personality](https://insureyourcompany.com/blog/law-of-success-part-11-pleasing-personality/) - Your parents always warn you growing up that not everyone is going to like you and that is normal and okay. Your parents were right, every one doesn't have to like you or may not get along with your personality. However, that doesn't give you a free pass to not ensure your personality and attitude is courteous,
- [Why it is important to insure your property at full replacement cost value](https://insureyourcompany.com/blog/why-it-is-important-to-insure-your-property-at-full-replacement-cost-value/) - If you run a business, one of your biggest decisions is choosing the right insurance coverage. Also, if you're like many business owners, you may have a hard time determining which type of policy is best for your company. When buying commercial property insurance, you have different options regarding coverage. You can choose "full replacement
- [Replacement vs Actual Cash Value: Commercial Property Terms You Should Know](https://insureyourcompany.com/blog/replacement-vs-actual-cash-value-commercial-property-terms-you-should-know/) - Commercial property insurance covers loss or damage to a business' land and equipment. How much subscribers actually receive, however, depends largely on the terms of their individual contracts. When an event triggers an insurance policy, insurance companies have several ways of determining the value of lost property. Two of the most used valuations are replacement
- [The Law of Success, Part 10: Doing more than you are paid for](https://insureyourcompany.com/blog/the-law-of-success-part-10-doing-more-than-you-are-paid-for/) - If you are not enjoying what you do in your career, it will slowly seep into other aspects of your life and chips away at your psyche. If you are working too long of hours, feel overwhelmed by the tasks at hand, feel pressure to perform you will be climbing an exhausting uphill battle. When
- [Commercial Property Insurance: Why You Need Business Interruption Benefits](https://insureyourcompany.com/blog/commercial-property-insurance-why-you-need-business-interruption-benefits/) - When you purchase a business, there are many things to account for in the business plan. You know that you must cover overhead — mortgage, rent, utilities, employee wages, supplies, and worker's compensation. It's typical to budget for one-time expenses and recurring expenses and hopes that your monthly revenue will be sufficient to satisfy these
- [What Does Marijuana Legalization Mean For Your Business?](https://insureyourcompany.com/blog/what-does-marijuana-legalization-mean-for-your-business/) - As of today, there are eight states in the US that have legalized the use of recreational marijuana. New Jersey is currently poised to become number nine. Though popular support is growing, the legalization of marijuana places New Jersey business owners in a precarious position as marijuana remains illegal under the Federal Controlled Substances Act.
- [Five Ways to Get Your Business Ready for a Hurricane](https://insureyourcompany.com/blog/five-ways-to-get-your-business-ready-for-a-hurricane/) - Some hurricanes still come as a surprise even with the vast assortment of weather-predicting technology in the world. Therefore, you must think ahead and consider the possibility that a massive storm may hit your commercial property one day. If you implement smart strategies to protect your business, you can stay open to serve your community even if the
- [The Law of Success, Part 9: Self-Control](https://insureyourcompany.com/blog/law-of-success-self-control/) - We have covered a number of different attributes that make up our different Law of Success, this next one is incredibly important. Being able to have a good handle on your self-control is a major factor in your continuing success in rising to the top of your industry. In order to be the best at what you
- [Distinguishing Between First-Party and Third-Party Cyber Liability Insurance: A Guide](https://insureyourcompany.com/blog/distinguishing-between-first-party-and-third-party-cyber-liability-insurance-a-guide/) - Many companies are increasingly outsourcing IT services to external providers. While at it, they're sharing sensitive customer or employee information with third-parties. This arrangement poses internal and external cyber risks. So, both a company and its managed IT services provider bear a degree of cyber liability in the event of personal data theft, loss, or
- [The Law of Success, Part 8: Enthusiasm](https://insureyourcompany.com/blog/the-law-of-success-part-8-enthusiasm/) - Enthusiasm is contagious, that’s the old saying at least, right? What if you brought the level of enthusiasm you have for your passions in life, into your work environment. Enthusiasm creates an upbeat work culture that boosts productivity and becomes more enjoyable for everyone. When you are enthusiastic, your team works harder because enthusiasm stimulates
- [Personal Umbrella Insurance: What It Is and Why You May Need It](https://insureyourcompany.com/blog/personal-umbrella-insurance/) - Regardless of your age or station in life, you can be at risk for lawsuits because we live in an exceptionally litigious culture. When this occurs, you can lose just about everything, including your hard-earned investments and savings. When you have an umbrella insurance policy, however, you don't have to worry since this type of
- [Creating a Company Culture that Attracts and Retains Great Employees](https://insureyourcompany.com/blog/creating-a-company-culture-that-attracts-and-retains-great-employees/) - As you grow your small business, you don’t just want mediocre employees who will put in an average day's work, right? Instead, you want exceptional staff. You want talent that is eager to come into work every day. You need employees who are invested in your organization, brand, and industry. By utilizing these key strategies
- [Helpful Tips for First-Time Homeowners](https://insureyourcompany.com/blog/helpful-tips-first-time-homeowners/) - Picking just a few tips for a first-time homebuyer is not as easy as it sounds. If you have never been through the home buying process, you will be amazed at the volume of information and new language you'll learn during the process. This isn't to say that it's an arduous process—it should be anything
- [The Law of Success, Part 7: Imagination](https://insureyourcompany.com/blog/law-success-part-7-imagination/) - Imagination isn't just for kids. Every business has a goal. In order to achieve your goal, you are constantly analyzing your results, reworking concepts and aiming to achieve a way to hit your goal and new levels of success for your organization. Being in tune with your imagination will thrust your business forward. To think
- [7 Workforce Management Tips for Small Business Owners](https://insureyourcompany.com/blog/7-workforce-management-tips-small-business-owners/) - Are you a new small business owner hiring employees for the first time? If so, you're probably just starting to realize how hard it can be to oversee your workers. One of the most challenging aspects of running a small business is hiring great people and keeping them around to ensure your company remains successful.
- [5 Strategies for Keeping Up with Rapid Small Business Growth](https://insureyourcompany.com/blog/5-strategies-keeping-rapid-small-business-growth/) - When you're starting a new small business, it’s natural to have grandiose dreams of growth. But are you actually prepared for that growth to actually happen? As weird as it sounds, if you experience too much growth in too short a period of time, you could actually end up struggling considerably. But the good news
- [The Law of Success, Part 6: Leadership](https://insureyourcompany.com/blog/the-law-of-success-part-6-leadership/) - To have a successful business begins at the top. In other words, great leadership is important. It drives everything forward while keeping stability at the same time. To be a great leader is not about being the boss. It’s so much more. It’s inspiring your employees by example - both guiding and equipping them with
- [The Law of Success, Part 5: Initiative](https://insureyourcompany.com/blog/law-success-part-5-initiative/) - A big part of being successful is not only being able to identify your definite aim, but to go after it with both hands. Taking the initiative in whatever situation you are in, whether it's accomplishing an important task or becoming an expert in your specific field, can propel you toward your goals. When you
- [5 Easy Ways to Stay Active at Your Desk](https://insureyourcompany.com/blog/5-easy-ways-stay-active-desk/) - When entrepreneurs and small business owners consider productivity, a number of factors come to mind: production output, employee efficiency, etc. However, few consider a hidden but important factor: how much they and their team are sitting, and the negative impact too much sitting can have on their productivity. Many of us sit at our desks
- [What Happens When Small Business Owners Micromanage](https://insureyourcompany.com/blog/when-small-business-owners-micromanage/) - Many small business owners quickly fall into the trap of micromanaging. They're often convinced that the only way to be sure that things are done exactly the way they want them done is by keeping directly on top of their employees at all times. Unfortunately, that strategy isn't always as effective as micromanagers might hope—not
- [The Value of Writing Out a Small Business Plan](https://insureyourcompany.com/blog/value-writing-small-business-plan/) - Writing a business plan is a time-consuming task. As a small business owner, you already have too much on your plate, so it can be difficult to find the time to write it—especially when it comes time to smooth it out enough to share with others. Your small business plan also requires honest self-assessment, which
- [The Law of Success, Part 4: Power of Saving](https://insureyourcompany.com/blog/law-success-power-saving/) - Like it or not, money makes the world go 'round. Even if making a lot of it isn't necessarily your ultimate definition of "success," there's no denying that you will need it eventually—and you can't be successful if you can't keep control over it. In order to be successful, or at least to set yourself
- [6 Vital Lessons Small Business Owners Can Learn from the World Cup](https://insureyourcompany.com/blog/6-vital-lessons-small-business-owners-can-learn-from-the-world-cup/) - The FIFA World Cup has again taken the globe by storm. Every day, there are new stories, new dynamics, and new lessons for small business owners to learn from the triumphs and tribulations of their favorite (and least favorite) soccer teams. Here are some of the top lessons that we've learned from watching the World
- [6 Important Time Management Tips for Small Business Owners](https://insureyourcompany.com/blog/6-important-time-management-tips-for-small-business-owners/) - Time management is a struggle for everyone these days, but it's even more challenging for many small business owners who find that they must wear several different hats in order to keep their business running smoothly. You may feel as though you spend too many days running around, desperately trying to accomplish all of the
- [Training New Employees for Long-Term Success](https://insureyourcompany.com/blog/training-new-employees-long-term-success/) - Bringing new employees into your small business is a big step, especially if you’ve been flying solo up until now. You want to be sure that they have everything they need to become a successful member of the team—not just in the short term, but for their entire tenure with your company. As you're training
- [The Law of Success, Part 3: Self Confidence](https://insureyourcompany.com/blog/law-success-part-3-self-confidence/) - According to the Law of Success, self confidence begins with the elimination of fear. In one of our previous videos, we discussed the concept of definite aim, i.e. the ability to define what you want in order to empower yourself to pursue it. But fear can prevent you from taking steps toward your definite aim,
- [7 Critical Financial Tips for the Self-Employed](https://insureyourcompany.com/blog/7-critical-financial-tips-self-employed/) - Being self-employed allows you a number of important freedoms. Chief among them are the ability to set your own schedule and the freedom to focus on your passions without answering to anyone else. Unfortunately, it also means that you're 100% responsible for your own finances—and that means that you are the only one who will
- [The Law of Success, Part 2: Definite Aim](https://insureyourcompany.com/blog/law-success-part-2-definite-aim/) - Wanting success is one thing. Knowing what "success" looks like to you is everything. When you can name the things you want in life out loud, you breathe power into your goal and make it easier to achieve. After all, merely thinking about what you want only serves to keep everything in your head, but
- [Does Your Hired and Non-Owned Auto Insurance Policy Cover the “Any Auto” Requirement from Your Vendors?](https://insureyourcompany.com/blog/hired-non-owned-auto-insurance-policy-cover-auto-requirement-vendors/) - Understanding the various insurance requirements that apply to your business is critical, including those related to commercial auto insurance. This is especially true when you don't own vehicles, but hire them from time to time. If you work with outside vendors, you need to explore your auto policy to find out if it is sufficient.
- [The Law of Success, Part 1: Power of the Mind](https://insureyourcompany.com/blog/law-of-success-power-of-the-mind/) - The first steps of a brand new journey can be daunting. Whether you're starting your own small business, making a significant personal change in your life, or anything in between, starting out often feels like standing on the edge of a precipice—it's hard to tell what's on the other side, and that can be scary.
- [5 Tips to Make Shopping for Small Business Group Health Insurance Easier](https://insureyourcompany.com/blog/5-tips-make-shopping-small-business-group-health-insurance-easier/) - As the owner of a small business, you need to make sure that your workforce—no matter how big or small—knows that you appreciate them and are looking out for them. After all, today’s employees are often looking for more than just a steady paycheck. They also want to know that their leadership has their back.
- [Here’s Why Your HVAC Company Needs Commercial Auto Insurance](https://insureyourcompany.com/blog/heres-why-your-hvac-company-needs-commercial-auto-insurance/) - Heating, ventilation, and air conditioning (HVAC) is one of those industries that everyone relies on. Every physical structure needs a mechanism for temperature control and ventilation, and experts are always needed to ensure things get done right. But HVAC is also an industry rife with a lot of risk—that’s why insurance plays such a big
- [Introducing the New 'Law of Success' Video Series](https://insureyourcompany.com/blog/laws-of-success-intro/) - How do you define success? For some people, "success" means having a lot of money in the bank or obtaining certain material possessions. For others, it means being a part of something bigger than themselves. No matter how you define it, there is no denying that it's something you need to work toward. In 1925, Napoleon
- [5 Reasons You Were Over-Billed at the Doctor’s Office](https://insureyourcompany.com/blog/5-reasons-billed-doctors-office/) - It would be nice if your employer-provided health insurance offered blanket coverage that could pay for any medical appointment and procedure you needed. While it doesn't generally work that way, many patients still find themselves surprised to be paying more than anticipated for the services they need. If you're struggling to understand why you've been
- [What You Need to Know About General Liability Insurance](https://insureyourcompany.com/blog/need-know-general-liability-insurance/) - Do you run a small business? If so, you know that every day, your company is at risk for potential lawsuits. That's why is so critical that you have a general liability insurance policy. Just about any type of business needs general liability insurance for covering medical costs and attorney's fees resulting from property damage
- [Meet the Agent: Dan Levenson](https://insureyourcompany.com/blog/meet-the-agent-dan-levenson/) - What makes an insurance agency special? For InsureYourCompany.com, it's our people! That's why we're excited to launch our latest video series, Meet the Agent. Through these videos, you'll be able to get to know our team members and what inspires them to bring affordable insurance and great customer service to clients like you! First up: Dan
- [An Employment Law Update on Remote Employees and Employer Liability](https://insureyourcompany.com/blog/employment-law-update-remote-employees-employer-liability/) - Can an employee working remotely sue their employer under a state’s law against discrimination, even if the employee does not live or work in that state? That’s exactly what happened in a recent case when a Massachusetts resident began working remotely for a company in New Jersey. She never lived in New Jersey and only
- [Tips for Protecting Your Medical Office](https://insureyourcompany.com/blog/tips-protecting-medical-office/) - A medical office has a number of moving parts that all need to be protected, and the pressure to keep up with them all can make anyone overwhelmed. Just one error can mean a loss of reputation or funds that you're probably not ready to face this year (or the years to follow for that
- [How Pets Can Affect Your Homeowner’s Insurance Rates](https://insureyourcompany.com/blog/pets-can-affect-homeowners-insurance-rates/) - When you're picking a pet, you probably consider a number of questions: Will it shed? What—and how much—will it eat? Will it bark (tweet, chirp, howl, meow)? Will it smell bad? There's one more question that should be on this list, but all too often isn't: Will a pet affect my homeowner's insurance rates? Read on
- [What to Know Before You Start Your Own Accounting Firm](https://insureyourcompany.com/blog/starting-your-own-accounting-firm/) - As an accountant or CPA, you may have considered opening your own accounting firm. Luckily, the Bureau of Labor Statistics predicts your profession will continue to enjoy a high demand in the next decade. That means you have a good chance to succeed as an employee, employer, or self-employed professional. Starting your own firm will
- [All About Paycor with Dan Embon (VIDEO)](https://insureyourcompany.com/blog/paycor-dan-embon-video/) - For many business owners, especially those just starting out or beginning to actively grow their company, the day-to-day tasks that keep things running smoothly can also be a huge time suck. From managing payroll to arranging work schedules for employees, it’s easy to let things slip through the cracks if you’re not careful. That’s where
- [5 Types of Insurance Every Financial Planner Needs](https://insureyourcompany.com/blog/5-types-insurance-every-financial-planner-needs/) - One of the most important conversations that you, as a financial planner, can have with your clients is about risk—how much they feel comfortable with and how they can protect themselves against it. When it comes to your own business, you need to protect yourself against risk, too. As a financial planner, you face a
- [Teens and Auto Insurance: What You Need to Know](https://insureyourcompany.com/blog/teens-auto-insurance-need-know/) - As a parent, adding your teenager to your auto insurance policy is a scary milestone. Not only is it nerve-racking to send your child out there on the road alone, the increase in your premiums can be downright terrifying! Before you add your teen to your auto insurance policy, make sure you understand the ins
- [Why Real Estate Brokers Need E&O Insurance](https://insureyourcompany.com/blog/real-estate-brokers-need-eo-insurance/) - Real estate brokers deal with people more often than most professionals do, so they face a number of unique risks. As such, they may need even more insurance coverage, such as errors and omissions (E&O) insurance. Often, one of the first items many businesses cut when dealing with a tight budget is insurance. But this
- [Small Business Spotlight: Serenity Dental Care](https://insureyourcompany.com/blog/small-business-spotlight-serenity-dental-care/) - Dr. Arpan Nandra loves to make people smile—and as a dentist, she loves to keep those smiles bright and healthy! To pursue this passion, she opened her own dental practice, Serenity Dental Care, in Edison, NJ almost 11 years ago and has been serving the local community ever since. "Passion" is a key word when
- [Why New Parents Need Life Insurance](https://insureyourcompany.com/blog/new-parents-need-life-insurance/) - As a new parent, life insurance may be one of the last things on your mind. You're young, you're healthy, and purchasing that critical insurance seems like an unnecessary expense—especially added to the financial demands of a new family member. All the same, whether you're a young new parent or you waited until later in
- [[PRESS RELEASE] InsureYourCompany.com Recognized as a Top Broker of 2017 by United Healthcare](https://insureyourcompany.com/blog/press-release-insureyourcompany-com-recognized-top-broker-2017-united-healthcare/) - FOR IMMEDIATE RELEASE Manalapan, NJ — March 1, 2018 — The employee benefits division at InsureYourCompany.com has been recognized as a top broker of 2017 by UnitedHealthcare’s Asian Initiatives team. “This is a company honor,” said Alan Levenson, the founder and managing director of InsureYourCompany.com. The New Jersey-based insurance agency was founded in 2001 and offers
- [5 Signs It's Time for a Small Business Insurance Checkup](https://insureyourcompany.com/blog/5-signs-time-small-business-insurance-checkup/) - As a small business owner, you know the importance of adequate insurance for keeping everything moving smoothly. Unfortunately, it's easy to get lax with your insurance policy, assuming that you're fully covered when, in fact, you no longer have the right type of coverage for your business. As your business changes, so will your insurance
- [Term Life Insurance vs. Whole Life Insurance: What You Need to Know](https://insureyourcompany.com/blog/term-life-insurance-vs-whole-life-insurance-need-know/) - Life insurance is something that most people don't want to think about needing, but the truth is that everyone could benefit from having this type of coverage at some point in their lives. Doing your homework and purchasing a life insurance policy can bring you and your family peace of mind for years to come—and
- [Small Business Spotlight: ChocaL8kiss Bakery](https://insureyourcompany.com/blog/small-business-spotlight-chocal8kiss-bakery/) - What is the recipe for small business success? For Sonam Sondhi, the founder of ChocaL8kiss Bakery, the recipe looks a little something like this: 1 part ambition 1 part perseverance 6 great employees Great business insurance Located here in Manalapan, NJ, ChocaL8kiss Bakery serves up a mouthwatering variety of custom cakes for weddings, birthdays, anniversaries,
- [InsureYourCompany.com Gears Up for the 2018 Winter Olympics!](https://insureyourcompany.com/blog/insureyourcompany-com-gears-2018-olympics/) - The world is setting its focus on Peyongchang, South Korea as it prepares to host the 23rd Winter Olympic Games starting this weekend. Located 80 miles east of Seoul and 60 miles from the demilitarized zone, this will be the second time South Korea hosts the Olympic Games (the first was the 1988 Summer Olympics!).
- [4 Professionals to Meet With When Starting a Small Business](https://insureyourcompany.com/blog/4-professionals-meet-starting-small-business/) - If you've got big plans for starting a small business, you've probably already done your fair share of research and have a general idea of what steps will be needed to get that ball rolling. Still, researching on Google can only take you so far when it comes to understanding all the intricacies of starting
- [5 Ways Small Business Owners Can Avoid Insurance Scams](https://insureyourcompany.com/blog/5-ways-small-business-owners-can-avoid-insurance-scams/) - Tragically, insurance fraud occurs more often than most people think it does. In fact, nearly every type of business has been a victim of insurance scams and fraud. That's why it's important you know how to avoid insurance scams. Besides being monetarily detrimental to small businesses, this problem is also financially damaging to the overall
- [Why Should a Company Outsource Their Payroll? (VIDEO)](https://insureyourcompany.com/blog/company-outsource-payroll-video/) - For many small business owners, there comes a time when handling payroll in-house becomes more of a hassle than one has time for. But is outsourcing the right solution? Understandably, many people have reservations about handing such an important business element off to a third party. But in reality, the sheer amount of time that
- [The Three Basic Personal Insurance Policies Everyone Needs](https://insureyourcompany.com/blog/three-basic-insurance-policies-everyone-needs/) - Because devastating events like health problems, auto accidents, and natural disasters can quickly change your life, it's critical that you have the right personal insurance in place at all times. Although you may not be able to have insurance to cover every single little thing that could possibly go wrong in life, you still need
- [What You Need to Know About Worker’s Compensation for Medical Staffing Agencies](https://insureyourcompany.com/blog/what-you-need-to-know-about-workers-compensation-for-medical-staffing-agencies/) - Worker’s compensation is an insurance that most states require for any company with employees on their payroll. In lieu of this insurance, a company can prove that it is financially able to pay any claims that arise as the result of an on the job injury or illness. However, most companies prefer to purchase this
- [A Comprehensive Guide to Renter's Insurance](https://insureyourcompany.com/blog/a-comprehensive-guide-to-renters-insurance/) - Renting an apartment, condo, or house as opposed to buying outright makes a lot of financial sense for a lot of people. Not only does renting typically come with minimal maintenance responsibility, it can also prevent you from becoming "tied down" by a piece of property. Still, just as you should have homeowner’s insurance as
- [Small Business Spotlight: b.a.r.e. soaps](https://insureyourcompany.com/blog/small-business-spotlight-b-a-r-e-soaps/) - Small businesses make the world go 'round, and sometimes they can even help make it a healthier place. For the first installment of our Spotlight Series, we interviewed the founder of a company who is doing exactly that, one bar of soap at a time. Founded in 2012, b.a.r.e. soaps creates gorgeous soaps, candles, and
- [So, Your Car Was Stolen—Now What?](https://insureyourcompany.com/blog/so-your-car-was-stolen-now-what/) - It's any car owner's worst nightmare: you get to your parking spot and find that your car has been stolen! Unfortunately, vehicle theft happens more often than you might think, with a theft occurring in the United States about once every minute. If you've discovered that your car has been stolen, your first instinct may
- [A Quick Affordable Care Act Update for Small Businesses](https://insureyourcompany.com/blog/a-quick-affordable-care-act-update-for-small-businesses/) - There was little doubt that the Affordable Care Act was going to open up a lot of questions for everyone at its inception as insurance companies, individuals, and healthcare providers all struggled to comply with the new rules. Of course, things haven’t gotten any clearer since then. There has been a lot of tension in
- [Small Business Collaboration: 7 Basic Guidelines for Better Teamwork](https://insureyourcompany.com/blog/small-business-collaboration-7-basic-guidelines-for-better-teamwork/) - If you run a small business, it's critical that the people you have on your team form positive connections and work together effectively so your business can grow. In fact, collaboration is probably one of the most powerful tools you can have to develop a successful small business. Think about how there's power in numbers.
- [5 Ways Small Business Owners Can Build Positive Relationships with Clients](https://insureyourcompany.com/blog/5-ways-small-business-owners-can-build-positive-relationships-with-clients/) - Are you a small business owner wondering what it takes to be successful? In most cases, the success of a small business depends largely on having a positive relationship with clients. This is even more critical when your company is just starting out. Here are five tips for building healthy relationships with clients while providing
- [How to Hire and Manage Seasonal Workers for Your Small Business](https://insureyourcompany.com/blog/how-to-hire-and-manage-seasonal-workers-for-your-small-business/) - With the holidays fast approaching, there's no better time to get your ducks in a row when it comes to hiring seasonal workers for your small business. Temporary workers aren't going to have the same expectations or commitment to a position as a full-time employee, which can often lead to confusion or miscommunication at best and
- [Alan's Insurance Talk: Corporate Culture (VIDEO)](https://insureyourcompany.com/blog/alans-insurance-talk-corporate-culture-video/) - What do companies like Apple, Microsoft, Google, and Amazon have in common? Aside from being some of the largest organizations in the world, they're all places that many people would love to work. Part of the reason why is the fact that they all have a great corporate culture. Does your company? Even if your business is small,
- [6 Ways to Make the Most of Small Business Saturday](https://insureyourcompany.com/blog/6-ways-to-make-the-most-of-small-business-saturday/) - Since its creation in 2010, Small Business Saturday has steadily grown as a national initiative. Today, business owners, community leaders, non-profit organizations, and everyday citizens in all 50 states come together the Saturday after Thanksgiving to boost their local economies and strengthen their communities. In 2016, small business owners generated an estimated $15.4 billion dollars
- [Legal Corner: The Types of Business Organizations (VIDEO)](https://insureyourcompany.com/blog/legal-corner-the-types-of-business-organizations-video/) - Many new business owners are confused about the type of company that’s right for them. When it comes to organizational structures, you have the choice between: C-Corp LLC S-Corp Partnership Sole proprietorship There are many important details you need to decide about your business early on in order to determine which type of organization will be right for
- [Should Small Business Owners Drug Test Employees?](https://insureyourcompany.com/blog/should-small-business-owners-drug-test-employees/) - Many businesses require employee drug testing, and yours may be one of them. Not only is it a good indicator of the type of employee you are potentially hiring, but it is a good standard to have when there is an accident in the workplace. Here are a few things you should know about employee
- [4 Signs You Should Open a Second Location for Your Small Business](https://insureyourcompany.com/blog/4-signs-you-should-open-a-second-location-for-your-small-business/) - As a small business owner, are you finding that after years of hard work, your business is finally starting to take off? If so, that’s great! Often, small business owners who experience positive results from their first retail location immediately start dreaming about opening another one. However, sometimes they aren’t actually ready to expand their
- [How to Shop for Health Insurance When You're Self-Employed](https://insureyourcompany.com/blog/how-to-shop-for-health-insurance-when-youre-self-employed/) - Being self-employed certainly has its perks. You essentially get to be your own boss, make your own decisions, and more or less set your own work schedule. At the same time, there are some inherent drawbacks to being self-employed. Not only do you pay more in taxes (ahem, hello, self-employment tax), but you also miss
- [Alan's Insurance Talk: IRS Form 941 (VIDEO)](https://insureyourcompany.com/blog/alans-insurance-talk-irs-form-941-video/) - As a business owner, it's important for you to understand the different types of forms that need to be filed when tax time rolls around. Familiarizing yourself with the various forms and what they're all for will not only help you be a better, wiser employer, but help avoid confusion and scary audits down the
- [6 Ways to Avoid Small Business Owner Burnout](https://insureyourcompany.com/blog/6-ways-to-avoid-small-business-owner-burnout/) - As a small business owner, you have to accomplish many tasks over the course of each day. Some days, it may feel as though you're working nonstop! Not only that, but your small business is probably constantly on your mind, even after hours. While it’s admirable to be so dedicated to your company, all that
- [How to Start a Small Business When You Have Student Debt](https://insureyourcompany.com/blog/how-to-start-a-small-business-when-you-have-student-debt/) - Around 70% of graduates leave school with some degree of student debt. With an average of more than $37,000 accepted as the norm for the Class of 2016, that's not a debt that's going to be paid off in the first couple of years in the workforce. If you've always dreamed of starting your own small business, but you're
- [[PRESS RELEASE] Steven Segerman Joins InsureYourCompany.com as Insurance Account Executive](https://insureyourcompany.com/blog/press-release-steven-segerman-joins-insureyourcompany-com-as-insurance-account-executive/) - FOR IMMEDIATE RELEASE Manalapan, NJ - October 9, 2017 - We are happy to announce the hiring of Steven Segerman. An experienced Insurance Account Executive, Steve will help us to expand our personal insurance lines. Steven is personable and knowledgeable in all types of insurance. He is especially knowledgeable in personal home and auto insurance. He
- [How Can Small Business Owners Save Toward Retirement?](https://insureyourcompany.com/blog/how-can-small-business-owners-save-toward-retirement/) - As a small business owner, you don't have the luxury of a company-sponsored retirement plan unless you create it for yourself. In some cases, it may not even be possible to predict your income from one month to the next. Regardless of your financial status, however, it's important that you start saving for your retirement.
- [6 Questions to Ask Before Applying for a Small Business Loan](https://insureyourcompany.com/blog/6-questions-to-ask-before-applying-for-a-small-business-loan/) - So, you're finally ready to start the small business you've always dreamed of, or perhaps you're hoping to expand your existing business. Either way, in order to get going, you're probably going to need to secure a small business loan. Here are some questions to ask yourself before applying for a loan. They will ensure that you're
- [Insuring an E-Commerce Shop Versus a Brick-and-Mortar Store](https://insureyourcompany.com/blog/insuring-an-e-commerce-shop-versus-a-brick-and-mortar-store/) - E-commerce is booming, with nearly 1.6 billion online shoppers making purchases in 2016 alone. For most traditional brick-and-mortar stores to survive these days, a complementary e-commerce site is often a necessity. It is also not unheard of for e-commerce sites to become so successful, they can expand to a physical location. But are the business insurance needs
- [When is the Right Time to Purchase Life Insurance?](https://insureyourcompany.com/blog/when-is-the-right-time-to-purchase-life-insurance/) - As a small business owner, you already have plenty to worry about when it comes to insuring and protecting your company. Unfortunately, for many, this comes at the expense of handling personal responsibilities and coverages, including life insurance. You may find yourself wondering, "Do I really need life insurance? Is that a necessary expense at
- [5 Tips for Mediating Employee Conflict](https://insureyourcompany.com/blog/5-tips-for-mediating-employee-conflict/) - As a small business owner, we’re sure you'd love it if all your employees got along all the time. Unfortunately, it doesn't always work that way! When you find yourself dealing with employee conflict, sometimes mediation is in order. These strategies will help you constructively resolve conflict in your workplace. 1. Know When to Intervene
- [Legal Corner: You’ve Gouda Be Kidding Me – Lawsuits Over Mac & Cheese Could Be Hard to Swallow](https://insureyourcompany.com/blog/legal-corner-youve-gouda-be-kidding-me-lawsuits-over-mac-cheese-could-be-hard-to-swallow/) - A new study has found that boxed macaroni and cheese contains a hazardous chemical causing birth defects. It can also be harmful to young children. The study discovered phthalates in macaroni and cheese products that contain powdered cheese. It points out that although the presence of phthalates is unintentional, the envelope of powdered cheese flavoring
- [What Happens When Your Employee Gets Into A Car Accident? (VIDEO)](https://insureyourcompany.com/blog/what-happens-when-your-employee-gets-into-a-car-accident-video/) - 'What Happens When...' is a video series in which we'll talk about the most common insurance scenarios and how to get the most out of your coverage! Watch the whole series and more videos about insurance on YouTube! You might recall a popular pizza chain that had what they thought was a genius marketing campaign
- [UPDATE: Employer Penalty and 1094-C/1095-C Reporting](https://insureyourcompany.com/blog/update-employer-penalty-and-1094-c1095-c-reporting/) - At InsureYourCompany.com, we are dedicated to helping our clients navigate the murky waters that sometimes come with the territory of running a business. One of the major challenges a lot of people have encountered recently is understanding the rapidly changing Affordable Care Act and how the repeal and replacement of it may affect them. With so
- [Group Health Insurance from InsureYourCompany.com (VIDEO)](https://insureyourcompany.com/blog/small-business-group-health-benefits-from-insureyourcompany-com/) - Here at InsureYourCompany.com, we've been providing business insurance for small businesses since 2001, including general liability insurance, worker's comp, commercial property insurance, and more. But did you know that we also offer employee benefits? Check out our latest video to see our very own Alan Levenson battle the day-to-day risks that every company faces to help
- [What Does Homeowners Insurance Cover—and NOT Cover?](https://insureyourcompany.com/blog/what-does-homeowners-insurance-cover-and-not-cover/) - When many homeowners purchase an insurance policy for their new property, they expect that it's going to provide coverage for just about anything that could go wrong with the house. Unfortunately, this isn’t always the case. While a homeowner's insurance policy should give you some added peace of mind and protect you from most unforeseen
- [Legal Corner: Can You Sue for Your Child’s Sports Injury?](https://insureyourcompany.com/blog/legal-corner-can-you-sue-for-your-childs-sports-injury/) - Sports are an excellent way for children to stay active and develop important life skills. Numerous studies have touted the benefits of organized sports during adolescence. But unfortunately, nearly everyone has a sports injury story. This is especially true for contact sports like football and hockey. After a sports-related injury, many parents wonder if they
- [How To Get The Best Commercial Property Insurance Rates In New Jersey](https://insureyourcompany.com/blog/how-to-get-the-best-commercial-property-insurance-rates-in-new-jersey/) - When you are operating a business in New Jersey, it's important to explore your commercial property insurance options. Property insurance will provide you with financial protection and help you to avoid legal issues related to incidents that occur at your physical location. There are several ways to get the best property insurance rates to stay
- [Transitioning Your Small Business from Home to an Office](https://insureyourcompany.com/blog/transitioning-your-small-business-from-home-to-an-office/) - Your small business is growing. At long last, you've finally met a major milestone: you're able to move your business from your home office to an actual brick-and-mortar office! While you're excited about this momentous change, you're also anxious about making the transition and ensuring that you've done everything correctly. Make sure that your transition
- [Is Your Small Business Understaffed?](https://insureyourcompany.com/blog/is-your-small-business-understaffed/) - As a small business owner, you wear many hats and perform many duties over the course of a normal business day. You might need to be a negotiator, a salesperson, a marketer, and a handyman—all in the space of a few minutes, much less a few hours! The staff you choose for your small business
- [What to Do When You Lose Your Biggest Customer](https://insureyourcompany.com/blog/what-to-do-when-you-lose-your-biggest-customer/) - It happens to the best of businesses. You suddenly lose that prime client or customer that you have been working with for the longest time—the one that accounts for a major portion of your revenue. In some cases, this customer may have accounted for most of your revenue, and now the loss seems devastating. However, there are
- [How to Properly Insure Your Rental Property](https://insureyourcompany.com/blog/how-to-properly-insure-your-rental-property/) - Whether you are renting out your old home until you sell it or you own a large multi-unit rental property, it’s important that you are properly insured. If you are not, both you and your renters may get in trouble if anything happens. Storms, slips and falls, and even equipment troubles can really mess up
- [Self-Driving Cars and the Future of Auto Insurance](https://insureyourcompany.com/blog/self-driving-cars-and-the-future-of-auto-insurance/) - If you pay any attention to automotive news, you already know that self-driving cars are a hot topic. Industry leaders claim that fully autonomous cars will be available on the commercial market within 10 years. In fact, there are already many cars on the road today that have semi-autonomous driving ability. Adaptive cruise control was
- [What Happens When You Buy a House? (VIDEO)](https://insureyourcompany.com/blog/what-happens-when-episode-1-what-happens-when-you-buy-a-house-video/) - 'What Happens When...' is a video series in which we'll talk about the most common insurance scenarios and how to get the most out of your coverage! Watch the whole series and more videos about insurance on YouTube! Picture this: You’ve just bought your dream home. The whole process was a breeze. The sellers were
- [The Key to Effective Small Business Bookkeeping](https://insureyourcompany.com/blog/the-key-to-effective-small-business-bookkeeping/) - New small business owners have a lot of things they need to take care of. If you’re providing a certain product, you need to make sure that production is going on smoothly and that the product is meeting the standards you’ve set for yourself. Plus, you need to get into marketing and drive up the
- [Alan's Insurance Talk: The Do's and Don'ts of Hiring and Firing (VIDEO)](https://insureyourcompany.com/blog/alans-insurance-talk-the-dos-and-donts-of-hiring-and-firing-video/) - Matching a job to a person can be a very stressful and difficult task. There are candidates that meet the needed requirements—and there are candidates that do not. Finding the right person for a position means telling someone that they are hired, and it means telling a lot of other people that they did not get the
- [6 Ways Your Small Business Can Give Back to the Community](https://insureyourcompany.com/blog/6-ways-your-small-business-can-give-back-to-the-community/) - Your small business should always strive to be involved in the local community. After all, its members are the ones that keep you in business! Giving back to your community is a natural decision. It allows you to show your appreciation for what people have done for you while simultaneously raising knowledge about your business
- [Property Insurance Tips for First-Time Homeowners](https://insureyourcompany.com/blog/property-insurance-tips-for-first-time-homeowners/) - Property insurance may seem like an unnecessary expense—until you need it. On a daily basis, you probably won't see the effects of covering your home and property with a monthly premium. But when lightning strikes, a storm blows off the roof, or your water line breaks, this type of policy will become essential. The majority
- [LLC vs Inc.: Which One Is Right for Your Business?](https://insureyourcompany.com/blog/llc-vs-inc-which-one-is-right-for-your-business/) - Every business owner asks these questions at some point: “I am starting a new business. Should I form an LLC or a Corporation? Do I even need to incorporate at all?” If you’re even thinking about starting a business, you should seriously consider incorporating. Do you need to incorporate? There are two major reasons to
- [7 Pillars of Reputation Management for Small Business](https://insureyourcompany.com/blog/7-pillars-of-reputation-management-for-small-business/) - Your small business's reputation is a critical part of your ability to continue to do business in the long run. Because you don't have the reach of many larger companies, you may find that a single negative review or highly negative individual can go a long way toward pulling your business's reputation down. It's important
- [8 Reasons You Shouldn't Let Your Business Insurance Lapse](https://insureyourcompany.com/blog/8-reasons-you-shouldnt-let-your-business-insurance-lapse/) - Your business insurance is a critical part of your ability to do business. You know that you want to do what's best for both your company and your customers, but often, you don't think about business insurance on a daily basis. For those who work in certain types of industries, especially independent contractors, it’s easy
- [InsureYourCompany.com Attends the 2017 WCBS Small Business Breakfast](https://insureyourcompany.com/blog/insureyourcompany-com-attends-the-2017-wcbs-small-business-breakfast/) - On June 2nd, InsureYourCompany.com sponsored the WCBS Small Business Breakfast in Parsippany-Troy Hills, NJ. The main focus of the breakfast was the Small Business Association (SBA) and how businesses can utilize its services to help grow and succeed. The breakfast was hosted by WCBS Bloomberg business anchor Joe Connolly, and featured Linda McMahon, the current
- [5 Tips for Building Your Small Business's Online Presence](https://insureyourcompany.com/blog/5-tips-for-building-your-small-businesss-online-presence/) - Given the amount of importance the modern consumer places on being able to find information about products or services quickly and easily on the Web, small businesses can no longer afford to ignore the value of a strong online presence. From making sure that local customers will be able to find your business’s location to
- [5 Helpful Apps For Small Business Owners](https://insureyourcompany.com/blog/5-helpful-apps-for-small-business-owners/) - Many small businesses are experiencing the benefits of incorporating more technology into their business model. It is without a doubt that technology has propelled business owners into new markets, expanded their marketing opportunities, and helped their business run more efficiently. More specifically, there are various apps that have been developed specifically to aid in the success
- [7 Steps to Building the Ultimate Customer Service Team](https://insureyourcompany.com/blog/7-steps-to-building-the-ultimate-customer-service-team/) - Customer service is one of the most critical parts of your small business. You want to be sure you're able to connect fully and honestly with your customers, providing them with the high-quality service that they expect and deserve. Keep in mind that customers are twice as likely to share a bad customer service experience as they
- [What To Do If Your Small Business Is Robbed](https://insureyourcompany.com/blog/what-to-do-if-your-small-business-is-robbed/) - After working hard to grow your small business, getting robbed can come as a shock to the system. Whether it's property theft or cash being taken directly on site, it could place you in major financial jeopardy within a few short hours. It's typically more fortunate if a robbery happens off-hours. When it does, it
- [Smart Data Backup Strategies for Small Businesses](https://insureyourcompany.com/blog/smart-data-backup-strategies-for-small-businesses/) - Planning a data backup strategy for your small business might sound like a simple process, but there's more to think about to avoid unpleasant surprises in the future. In this unpredictable world we're living in today, all documentation needed to keep your business functioning could still easily disappear in a second. A natural disaster may
- [4 Great Team-Building Activities for Small Businesses](https://insureyourcompany.com/blog/4-great-team-building-activities-for-small-businesses/) - One of the most important parts of running a successful small business is building a team that works well together and cares about the company reaching its goals. But business owners can't simply throw a group of people together and expect them to function well as a team right out the gate. In order to
- [10 More Cyber Security Tips For Your Small Business](https://insureyourcompany.com/blog/10-more-cyber-security-tips-for-your-small-business/) - Cyber security is a growing concern for all businesses with an online presence, but especially for those that are smaller in size. There are an ever-expanding number of threats from hackers, identity thieves, and spammers—and smaller businesses are often more vulnerable. Cyber threats are potentially devastating to your business. They can also harm your credibility
- [Employee Risk Management: Best Practices for Small Business](https://insureyourcompany.com/blog/employee-risk-management-best-practices-for-small-business/) - For many companies, the costs related to disputes and issues with employees are on the rise. Businesses big and small frequently face lawsuits and claims made by employees as a result of unlawful termination, work harassment discrimination, denied promotion, and deprivation of career opportunity, among others. Most of the time, the employer doesn’t even need
- [7 Simple Tips To Avoid Contract Disputes With Your Contractors](https://insureyourcompany.com/blog/7-simple-tips-to-avoid-contract-disputes-with-your-contractors/) - Unfortunately, contract disputes are all too common in the business world. Though contracts may be written with a great deal of care using verbose language, many still leave room for interpretation. And where there's room for interpretation, high-priced lawyers are often called in to dispute the small details. No one wants to go down that
- [What To Do If You Expect Or Experience Employee Theft](https://insureyourcompany.com/blog/what-to-do-if-you-expect-or-experience-employee-theft/) - Most small businesses don’t know what to do if they experience employee theft. Most don’t even get law enforcement involved when they catch an employee stealing from them. In fact, FoxBusiness cited a 2014 study from the University of Cincinnati finding that of the 64% of small businesses that have experienced employee theft, only 16% reported the incident!
- [Does Your Business Need a Certificate of Insurance?](https://insureyourcompany.com/blog/does-your-business-need-a-certificate-of-insurance/) - Wondering why you are struggling to bring on more clients, or why contractors don't want to work with you? It could be because you don't have a certificate of liability insurance (COI). It’s not enough to tell prospective clients that you’re trustworthy. It’s not enough to have insurance. You must also have a certificate on
- [How to Protect Your Small Business from a Ransomware Attack](https://insureyourcompany.com/blog/how-to-protect-your-small-business-from-a-ransomware-attack/) - On the morning of February 5, 2016, a worker at Hollywood Presbyterian Medical Center (HPMC) opened a suspicious-looking email. Later, he tried to access a patient’s records on his computer, but couldn’t. He went to his manager, who tried to help, but nothing seemed to work. Soon, other workers experienced the same problem. Within hours, CEO Allen
- [How to Start A Company: New Business Checklist Must-Haves](https://insureyourcompany.com/blog/how-to-start-a-company-new-business-checklist-must-haves/) - There are almost 30 million small businesses in the United States—businesses which employ more than half of all American workers and create the vast majority of new jobs. Every month, 543,000 new businesses are created. That’s about 7 million every year! Unfortunately, according to Bloomberg, about 80% of new small businesses fail within the first 18 months. Some
- [How Does Net Neutrality Affect Your Small Business?](https://insureyourcompany.com/blog/how-does-net-neutrality-affect-your-small-business/) - One of the biggest challenges facing small businesses is competition from large corporations, bigger businesses with more money for marketing and distribution, and those who offer the same products and services. For example, if you’re a small startup that makes your own brand of sportswear, how do you compete effectively with Nike? Adding to the
- [New Year, New Risks: Risk Management Tips for Small Business](https://insureyourcompany.com/blog/new-year-new-risks-risk-management-tips-for-small-business/) - Some business owners think risk management is not important just because they are small, but in many ways, risk management can be more important for a smaller business. Small business have fewer resources to help absorb a risk than larger businesses—one substantial event could take down a small business that isn't prepared. If you haven't
- [How Staffing Agencies Can Overcome Insurance Challenges](https://insureyourcompany.com/blog/how-staffing-agencies-can-overcome-insurance-challenges/) - Finding and choosing the right insurance coverage can be tricky for most smaller businesses, but staffing and employment agencies face some unique challenges that other businesses their size do not have to deal with daily. Traditionally, the workforce of this type of business is fluid and often lacks a good amount of supervisory control. In
- [7 Tips For Saving Money On Your Commercial Auto Insurance Policy](https://insureyourcompany.com/blog/7-tips-for-saving-money-on-your-commercial-auto-insurance-policy/) - As a business owner, your top priority is making money. The quest to increase profits for your small business is never-ending. One way to increase profits is to cut costs. Luckily for those whose business involves owning and operating company vehicles, finding ways to save money on commercial auto insurance is one way you can
- [5 Ways IT Consultants Can Save Money On Insurance](https://insureyourcompany.com/blog/5-ways-it-consultants-can-save-money-on-insurance/) - As an IT consultant, it’s hard to predict the myriad things that could go wrong in your line of work. Whether it’s a mistake on an employee’s part or a client who is simply unhappy or unwilling to pay for contracted work, without insurance, you could be sued for hundreds of thousands of dollars, maybe
- [How Small Business Owners Can Start Preparing For Retirement Today](https://insureyourcompany.com/blog/how-small-business-owners-can-start-preparing-for-retirement-today/) - A common approach to retirement for small business owners today is that their business is their retirement. The plan is that they will either sell the business for cash when they are ready to retire or pass it along to a family member for a share of wealth in the future or a buyout. Entrepreneur &
- [The 4 Biggest Misconceptions About Workers' Compensation](https://insureyourcompany.com/blog/the-4-biggest-misconceptions-about-workers-compensation/) - Workers' compensation is something that everyone vaguely knows exists, but until they need it, they might not understand the program as a whole. In fact, there are several common misconceptions about workers' compensation that persist across many different industries. Whether you're an employee who is struggling to figure out how workers' compensation will help you following an
- [5 Tips for Keeping Your Office Healthy During Flu Season](https://insureyourcompany.com/blog/5-tips-for-keeping-your-office-healthy-during-flu-season/) - As cold and flu season sweeps through the nation, you start hunkering down behind your desk, worried that your company will feel the effects. One employee out sick is bad enough; it disrupts workflow, makes it harder to handle daily tasks, and ensures that any clients who prefer to speak to them are going to
- [Should You Be Offering Life Insurance as an Employee Benefit?](https://insureyourcompany.com/blog/should-you-be-offering-life-insurance-as-an-employee-benefit/) - One of the best ways to build loyalty among your employees and boost your retention rates, as you may well know, is to offer a great benefits package. There are many different perks that you can offer to show your employees that you appreciate their hard work. But these benefits can extend beyond free coffee
- [5 Advantages Of Offering Voluntary Employee Benefits](https://insureyourcompany.com/blog/5-advantages-of-offering-voluntary-employee-benefits/) - There are certain types of benefits that you have little choice but to offer your employees, such as worker’s compensation. Other benefits, however, are voluntary. Vision insurance, dental insurance, life insurance, and disability insurance are all chosen by the employer. You can decide if you want to offer any or all of these coverages to
- [7 Stress Relief Tips For Frazzled Small Business Owners](https://insureyourcompany.com/blog/7-stress-relief-tips-for-frazzled-small-business-owners/) - There’s no rest for the weary, especially when you run a small business. Every day can be full with what feels like a million different tasks and responsibilities, even if you have a fully functioning staff. And of course, depending on how dependent everyone is on you, taking a break doesn’t always feel like a
- [The Cost And Benefits Of Employee Onboarding For Small Businesses](https://insureyourcompany.com/blog/the-cost-and-benefits-of-employee-onboarding-for-small-businesses/) - For small businesses, onboarding new employees is a central part of building a core staff that is productive and successful. In order to continue to grow your business, you must always be on the lookout for new talent. But it’s not as simple as hiring a few good people and hoping for the best. To
- [E&O Insurance For IT Consultants: Why It Matters and How Much It Costs](https://insureyourcompany.com/blog/eo-insurance-for-it-consultants-why-it-matters-and-how-much-it-costs/) - Suppose you design a database that has a glitch that keeps everyone at your client’s company from accessing crucial business data for three days. The client sues you, the IT consultant, claiming they lost $500,000 in sales during the time the database could not be accessed. Or to put a timelier spin on things, consider
- [Poor Oral Hygiene is a Killer. Group Dental Insurance is a Must.](https://insureyourcompany.com/blog/poor-oral-hygiene-is-a-killer-group-dental-insurance-is-a-must/) - Clean teeth and healthy gums not only contribute to a nice smile, but they’re also a sign of good health. Brushing and flossing are known to reduce plaque and tartar and prevent cavities, gingivitis, bone loss, and bad breath. However, gum disease is also linked to heart disease, diabetes, and low birth weight babies. In fact,
- [Update on the Status of the ACA](https://insureyourcompany.com/blog/update-on-the-status-of-the-aca/) - With the impending inauguration, recent actions by the Senate and some confusing media reports, we wanted to provide a short Q&A to help you understand current events and what to expect as we head down the health care reform road in 2017. What’s the latest news? The Senate took action to begin the budget reconciliation
- [Health Care Costs in 2017 & What They Mean For Your Small Business](https://insureyourcompany.com/blog/health-care-costs-in-2017-what-they-mean-for-your-small-business/) - Looking forward into 2017, employer-sponsored health insurance remains the foundation of America's health insurance system. Experts are predicting a major shift, however, as the market has been shifting from employer-sponsored health insurance as a defined employee benefit to individual insurance for employees with an employer-sponsored contribution to the premium. The general well-being of the health
- [7 Essential Tips for Keeping Track of Your Small Business Finances](https://insureyourcompany.com/blog/7-essential-tips-for-keeping-track-of-your-small-business-finances/) - Managing money can seem tedious for some business owners, but keeping track of your small business finances is crucial for maximizing profits and getting every possible tax benefit. Keeping track of all expenses and receipts gives you a big advantage when adding up costs and deductions, plus it keeps your business running more efficiently. Here are some
- [Small Business Owner Advice For Hiring Employees That Last](https://insureyourcompany.com/blog/small-business-owner-advice-for-hiring-employees-that-last/) - Hiring employees is a welcomed relief for a weakening staff or a stressful undertaking full of risk and expense. Choosing the right person without spending too much valuable time in the screening process is a balancing act of chance and skill for many business owners. Making the wrong choice can mean wasted time and money training
- [The Biggest Changes To Small Business Health Insurance In 2017](https://insureyourcompany.com/blog/the-biggest-changes-to-small-business-health-insurance-in-2017/) - Health insurance is confusing for many people, especially if you are a small business owner trying to navigate the ever-changing waters of employee benefits. If you don't take the time to understand the changes that will affect small business insurance in 2017, it can lead to misunderstandings later on. One of the most notable changes is
- [6 Tips For Managing Your Small Business Cash Flow](https://insureyourcompany.com/blog/6-tips-for-managing-your-small-business-cash-flow/) - Cash flow is critical for every business, especially if you run a small to mid-sized one. That's why it is important to understand how to manage your small business's cash flow. You have to keep a close eye on what others owe you (accounts receivables) and what you owe your suppliers or vendors (accounts payable). Below
- [Extension Issued For Filing Forms 1095-B and 1095-C In 2017](https://insureyourcompany.com/blog/extension-issued-for-filing-forms-1095-b-and-1095-c-in-2017/) - The due date for filing 2016 Forms 1095-B and 1095-C has been extended by 30 days according to Notice 2016-70, issued by the Department of the Treasury and Internal Revenue Service on November 18. This extends the deadline for furnishing these forms from January 31, 2017 to March 2, 2017, but does not apply to
- [How Much Will Surgery Cost? Understanding Your Financial Responsibility](https://insureyourcompany.com/blog/how-much-will-surgery-cost-understanding-your-financial-responsibility/) - Oftentimes, I receive emails from clients that they’ve had surgery, a procedure, or a diagnostic test, and then months later, a bill comes in the mail. Naturally, the first thing they ask me is, “Why did I get this bill?” Although you have insurance, it isn’t enough to ensure that you will not receive a
- [7 Helpful Tips For Keeping Your Employees Motivated](https://insureyourcompany.com/blog/7-helpful-tips-for-keeping-your-employees-motivated/) - Employee motivation plays a large role when it comes to the productivity and success of a small business. Employees who are enthusiastic about coming to work every day are naturally going to produce more than those who are indifferent. In fact, a disengaged workforce can harm a company in many ways. There are several things you, as a manager
- [Creating A Data Disaster Recovery Plan for Your Small Business](https://insureyourcompany.com/blog/creating-a-data-disaster-recovery-plan-for-your-small-business/) - The right time to decide what you'll do about a data disaster is before it happens. Once it occurs, if you don't have a data recovery plan in place, it's too late. Your business will most likely fail. If you've prepared for trouble, though, your organization has a good chance of survival. Fires, natural disasters, and crime
- [What Does “Minimum Earned Premium” Mean?](https://insureyourcompany.com/blog/what-does-minimum-earned-premium-mean/) - There are many reasons a business may want to cancel their policy prior to the expiration date, but no matter the reason, a policy holder can cancel the policy at any time. Most insurance policies are issued on an annual term. 12 months is standard for commercial insurance policies. If the policy is no longer
- [Do You Need Home-Based Business Insurance?](https://insureyourcompany.com/blog/do-you-need-home-based-business-insurance/) - If you've just started running a small business out of your home, you might not know about the advantages of home-based business insurance. Many entrepreneurs believe their homeowners' insurance will also cover their home-based businesses. However, this is not always the case. Most homeowners' policies exclude home-based businesses. That means you won't be covered for lost
- [Overcoming Small Business Founder Dependence With Estate Planning](https://insureyourcompany.com/blog/overcoming-small-business-founder-dependence-with-estate-planning/) - One of the primary reasons many consumers prefer to frequent a small business is also one of the greatest challenges of small business: founder dependence. Customers often remain loyal to a small company because the size of the business enables them to have direct contact with the business owner. This creates a strong sense of trust and
- [Non-Compete Agreements: Protecting Your Work And Your Small Business](https://insureyourcompany.com/blog/non-compete-agreements-protecting-your-work-and-your-small-business/) - Nearly everyone switches jobs during their career. This is especially true in the IT industry where staff often move from one employer to another. That is why non-compete agreements are such valuable tools for companies looking to protect their business interests. Non-compete agreements are contracts that prohibit employees from going to work for a rival
- [InsureYourCompany.com Celebrates National Farmer’s Day!](https://insureyourcompany.com/blog/insureyourcompany-com-celebrates-national-farmers-day/) - They plant seeds with care and tend their crops meticulously. They feed and house livestock. Their everyday job puts food on our tables. Who are they? They are the hardworking farmers of this nation, and we celebrate them on October 12th of every year. Decades of dedication, patience, and trial-and-error led to the type of
- [Small Business Insurance Claims: The Danger Of Untimely Filings (VIDEO)](https://insureyourcompany.com/blog/small-business-insurance-claims-the-danger-of-untimely-filings-video/) - When an issue arises at your place of business, what are the first steps you take after it's resolved? As a business owner, there is limited time for you to deal with a problem and keep everything else running smoothly. As a result, it may not occur to you to reach out to your insurance agent to let them
- [Millennials In The Workplace: 5 Things Every Business Owner Should Know](https://insureyourcompany.com/blog/millennials-in-the-workplace-5-things-every-business-owner-should-know/) - Let’s face it: The millennial workforce is a whole new species of employee. Gone are the die-hard workhorses that will clock in for decades without complaint or compromise. Millennial employees worry about the Big Picture: their quality of life, their health, time with their families, and being treated fairly for their hours and energy. This isn't
- [5 Benefits Of Providing Group Health Insurance For Small Businesses](https://insureyourcompany.com/blog/5-benefits-of-providing-group-health-insurance-for-small-businesses/) - Running your own small business means there are many details you need to keep up with. From ordering stock and making bank deposits to hiring new employees and paying taxes, your to-do list never seems to end. Now that your small business is off the ground, it’s time to consider offering group health insurance to
- [Preparing For Your Annual Business Insurance Policy Review](https://insureyourcompany.com/blog/preparing-for-your-annual-business-insurance-policy-review/) - When you operate a business, proper insurance coverage is crucial to your economic stability. When an unexpected incident occurs, your insurance policies pay for the property, employer, liability, and other exposures that could ruin your finances and put you out of business. Think of each policy as a key component of a well-thought-out program of protection. Insurance is
- [Why Insuring Your Business Equipment Is A Smart Move](https://insureyourcompany.com/blog/why-insuring-your-business-equipment-is-a-smart-move/) - Suppose a power surge in your office ruins or damages your business’s computer system. Or ask yourself: What could happen to your business if an employee error damages your only production machine? Even broken water pipes can cause a lot of damage. You may not expect them, but any of these unfortunate events could happen
- [Happy National IT Professionals Day From InsureYourCompany.com!](https://insureyourcompany.com/blog/happy-national-it-professionals-day-from-insureyourcompany-com/) - In a world where everyone is almost always linked through some form of social media or electronic device, you may have found yourself wondering how we, as a society, maintain the intricate infrastructure that allows us to be constantly connected. Who can we thank for the communications we can send by only a few effortless
- [5 Must-Have Insurance Policies For Cleaning Businesses](https://insureyourcompany.com/blog/5-must-have-insurance-policies-for-cleaning-businesses/) - There are many stories out there about cleaning services being sued due to damages allegedly caused by workers on the job . If you own a cleaning business, these kinds of lawsuits are just one example of why you need cleaning services insurance. Your business no doubt takes you to countless places so you can
- [How To Protect Your NJ Business With Hurricane Insurance](https://insureyourcompany.com/blog/how-to-protect-your-nj-business-hurricane-insurance/) - When it comes to hurricanes, some people may not consider New Jersey a major risk area. But that is actually far from the truth. In fact, the state of New Jersey is four on the list of states that have the most potential for hurricane damage. So when asking the question, "Do I need hurricane insurance
- [Business Insurance Basics For Daycares And Child Care Providers](https://insureyourcompany.com/blog/business-insurance-for-daycares-and-child-care-providers/) - Working in the child care industry is extremely rewarding, but it’s also a lot of hard work. When working with children, whether it’s in the context of one-on-one care or in a daycare setting, there are many risks that other businesses simply don’t have to face. Suppose someone accuses one of the employees at your
- [A Deeper Look At General Liability Insurance For IT Contractors](https://insureyourcompany.com/blog/a-deeper-look-at-general-liability-insurance-for-it-contractors/) - It is not an uncommon scenario: An independent IT contractor is working to secure a contract for work from a company, and that contract requires proof of insurance. The contractor, however, has let their policy lapse from the last time they needed to provide proof of coverage. Now he or she must scramble to obtain
- [Why Proof Of Insurance Is Important For IT Staffing Agencies](https://insureyourcompany.com/blog/why-proof-of-insurance-is-important-for-it-staffing-agencies/) - When you work in the world of IT staffing, all sorts of things can happen. You have to be a smart business owner and protect yourself as much as possible. By having proof of insurance, you can obtain more business and protect your assets and financials in the process. This is often as simple as
- [Business Insurance For Fitness Professionals: What Kind Of Protection Do You Need?](https://insureyourcompany.com/blog/business-insurance-for-fitness-professionals-what-kind-of-protection-do-you-need/) - Trying to find fitness professional insurance might feel overwhelming when thinking about potential issues you could face. As a personal trainer or fitness instructor, do you really know what kind of insurance you'd need to cover everything? Any career involving working with people is going to have some element of danger, especially when using equipment.
- [4 Signs It’s Time For A New Business Insurance Quote](https://insureyourcompany.com/blog/4-signs-its-time-for-a-new-business-insurance-quote/) - Having adequate and complete insurance coverage for your business is a vital component in its ultimate success or failure. Insufficient coverage or a lack of coverage can lead to everything from operational headaches to foreclosure. Every business needs a periodic checkup, just like every person needs to get a regular physical examination. Problems that are
- [Do IT Companies Need Subcontractor Insurance Coverage?](https://insureyourcompany.com/blog/do-it-companies-need-subcontractor-insurance-coverage/) - When you think about subcontractors needing insurance, you might picture someone working on something that is more of a physical labor job—for instance, a plumber or even a landscaper that comes to do work on behalf of your company. While those subcontractors are important, what about your tech subcontractors? When hiring out subcontractors to help
- [Is It Time To Leave Your PEO Provider?](https://insureyourcompany.com/blog/is-it-time-to-leave-your-peo-provider/) - A professional employer organization (PEO) is a firm that handles your management tasks such as payroll, employee benefits, workers' compensation, and various others. However, there are a number of reasons why this is not necessarily the best option for your company. If your company is using a PEO, then you’re already aware of the benefits.
- [How to Protect Your Company Against Workers' Comp Fraud](https://insureyourcompany.com/blog/how-to-protect-your-company-against-workers-comp-fraud/) - Today we continue our exploration of workers’ compensation and how to protect your company against false claims from employees. See our post about identifying fraudulent claims. Experts say current workers' compensation laws favor the employee, not the employer. The insurance provides income to an injured employee to replace lost wages, medical benefits, vocational rehabilitation, and
- [4 Ways To Identify Fraudulent Worker's Compensation Claims](https://insureyourcompany.com/blog/4-ways-to-identify-fraudulent-workers-compensation-claims/) - Providing worker's compensation coverage to your staff is an important part of keeping your business running smoothly and without the threat of expensive lawsuits if something happens to one of your workers on the job. Unfortunately, some workers view worker’s compensation as a free meal ticket, an opportunity to leave work behind while continuing to
- [[PRESS RELEASE] Michael S. Levenson Joins InsureYourCompany.com As General Counsel](https://insureyourcompany.com/blog/press-release-michael-s-levenson-general-counsel/) - FOR IMMEDIATE RELEASE Michael S. Levenson, General Counsel Manalapan, NJ - August 9, 2016 - Technology Insurance Associates / InsureYourCompany.com announces the addition of Michael S. Levenson, Esq. as General Counsel to our staff. The addition of Mr. Levenson provides our management, producers, client services representatives, and our clients a resource for continuing to provide
- [Why IT Contractors Need Prior Acts Coverage With Their E&O Insurance](https://insureyourcompany.com/blog/why-it-contractors-need-prior-acts-coverage-with-their-eo-insurance/) - Imagine someone sues your company for allegedly infringing on the software code of a client you worked for last year. The former client may seek tens of thousands or even a couple of hundred thousand dollars in damages. Will your insurance protect you? It may depend on the coverage you have. Some companies will agree to
- [Landscaper Insurance Essentials For A Solid Business Plan](https://insureyourcompany.com/blog/landscaper-insurance-essentials-for-a-solid-business-plan/) - When it comes to running a landscaping business, there are landscaper insurance essentials you need in order to protect yourself, your employees, and your business. These policies are the important ones to have so that you have a solid business plan that caters to your needs and ensures that you have a safety net just in case
- [The Benefits Of Working With A Business Insurance Agency](https://insureyourcompany.com/blog/the-benefits-of-working-with-a-business-insurance-agency/) - If you purchased your business insurance online, you probably didn't have a single one-on-one encounter with an insurance professional. A cute, animated mascot or a sassy spokesperson may have encouraged you to visit the website, but that was that. You may have initiated the online application process because it was convenient and that's what you
- [3 Helpful Fire Prevention Tips for Your Small Business](https://insureyourcompany.com/blog/3-helpful-fire-prevention-tips-for-your-small-business/) - A fire is potentially devastating for any business. Even with the best insurance policy in the world and every backup system you can imagine in place to protect critical data, a fire still has the potential to close down your entire business for days or weeks, creating a mess that will take months to clean
- [3 Signs It's Time To Start Offering Health Insurance To Your Employees](https://insureyourcompany.com/blog/3-signs-its-time-to-start-offering-health-insurance-to-your-employees/) - Offering health insurance can be a costly endeavor for any small business. Depending on the type of insurance, estimates place the cost per employee for the employer between $6,000 and $16,000 per year. With such a large costs, many small businesses tend to shy away from offering healthcare to their workers altogether. In fact, 51% of small businesses don't offer
- [Cybercrime Is On The Rise—And Insurance Is Keeping Up](https://insureyourcompany.com/blog/cybercrime-is-on-the-rise-and-insurance-is-keeping-up/) - Mark Patterson, owner of PATCO Construction in Sanford, Maine, is one business owner who learned the value of cyber liability insurance personally. Cybercrimes committed against businesses like Patterson’s are on the rise, and he learned first-hand the value of insurance to protect against the crime. Luckily, insurance is keeping up with this rise. Patterson found out his company's firewalls
- [What You Need To Know About Insurance For Restaurants](https://insureyourcompany.com/blog/what-you-need-to-know-about-insurance-for-restaurants/) - It might not be the most exciting part of opening a restaurant, but one of the most vital steps in opening a new eatery is getting insurance coverage. There are many potential problems that you need to be prepared for in the food industry, ranging from equipment failures to slip-and-fall lawsuits. Depending on your restaurant's
- [A Beginner’s Guide To Workers' Compensation In New Jersey](https://insureyourcompany.com/blog/a-beginners-guide-to-workers-compensation-in-new-jersey/) - If you run a business with hired workers, knowing the rules of workers' compensation is vital. Learning about workers' compensation in New Jersey doesn't have to be challenging. You’re probably already familiar with the basics of workers' compensation, but here is a bit of a refresher. With this handy guide, you'll be on your way to having
- [FAQ: What Are Master Subcontract Agreements?](https://insureyourcompany.com/blog/faq-what-are-master-subcontract-agreements/) - When you own a business, there may be times when you must hire subcontractors. Along with going through the contracting process and making sure that the work is done, you also have to protect yourself and your company. This is where a master subcontract agreement comes in. If you are wondering about master subcontract agreements, this
- [How Much Does Small Business Insurance Really Cost?](https://insureyourcompany.com/blog/how-much-does-small-business-insurance-really-cost/) - There isn't any question that the cost of small business insurance is a major challenge when you have to stay within strict budget guidelines. The problem is you likely won't really know off the bat what you'll need to pay for various types of insurance to protect your small business. There isn't any definite way to know
- [How Are Workers' Compensation Premiums Determined?](https://insureyourcompany.com/blog/how-are-workers-compensation-premiums-determined/) - Since workers’ compensation insurance is required in most states, it’s no surprise that many business owners feel the need to learn as much as they can about it before settling on a policy. After all, without the proper coverage, the penalties and fees one’s company could face are quite exorbitant. But selecting the right insurance
- [FAQ: Is Business Insurance Tax-Deductible?](https://insureyourcompany.com/blog/faq-is-business-insurance-tax-deductible/) - When running a business, tax deductions are helpful to defray some of the costs involved with keeping your business profitable. One of the more common questions that tends to come up is: "Is business insurance tax-deductible?" Here is some helpful information on what is deductible when it comes to business insurance, and what generally accepted
- [Navigating The Complex Rules Of ACA Compliance For Small Businesses](https://insureyourcompany.com/blog/navigating-the-complex-rules-of-aca-compliance-for-small-businesses/) - The Affordable Care Act (ACA) has had a huge impact on all businesses and enabled many people to obtain health insurance, yet it’s also proven to be a major headache for those still growing in the business world. With the newly enacted rules, smaller businesses are under more pressure to stay compliant and avoid costly
- [Important Facts About Intellectual Property Insurance For Small Business](https://insureyourcompany.com/blog/important-facts-about-intellectual-property-insurance-for-small-business/) - Imagine that another company falsely claims your company stole a new program it developed and threatens legal action. The catch is, someone working for you had already developed and implemented a program similar to the one at the other company before that competitor started to use this program. What can you do? If you have intellectual
- [How Employee Benefits For A Multi-Generational Workforce Are Changing](https://insureyourcompany.com/blog/how-employee-benefits-for-a-multi-generational-workforce-are-changing/) - According to the U.S. Bureau of Labor Statistics (BLS), more than one third of the workforce in the United States is made up of those over the age of 65, also known as Baby Boomers. While this may be the traditional retirement age, most people plan to keep working—some up until their mid-seventies. For many
- [Starting A New Business: 7 Types Of Insurance  You Should Consider](https://insureyourcompany.com/blog/starting-a-new-business-types-of-insurance/) - By the time a new business is ready to open its doors to the public, its owners have typically invested substantial time and money into the effort. From purchasing or renting real estate to scouring the Internet for the very best deals on the best equipment to launching a website and an advertising campaign, those
- [Is Workers' Compensation Required For Independent Contractors?](https://insureyourcompany.com/blog/is-workers-compensation-required-for-independent-contractors/) - When it comes to workers' compensation, are you required to carry the insurance for people who are not your full-time employees? For many business owners, this is not an easily answered question. While state law does not require you to carry the coverage for independent contractors, and a number of employers do not classify those who work
- [5 Tips For Analyzing Your Business Insurance Quote](https://insureyourcompany.com/blog/5-tips-for-analyzing-your-business-insurance-quote/) - Securing adequate and appropriate business insurance coverage is non-negotiable for any business owner whose endgame is to achieve financial success or, at the very least, to avoid legal catastrophe. For most responsible business owners, this means obtaining at least one quote prior to beginning operations, usually as one of the first steps taken following incorporating
- [How Liability Insurance Can Protect IT Consultants From Risk](https://insureyourcompany.com/blog/how-liability-insurance-can-protect-it-consultants-from-risk/) - Imagine you spill a coffee on a client's laptop. Suppose you tweet something, and the client takes it the wrong way and decides to sue you for slander. Could you afford the legal damages if you caused a fire? These are only some of the many risks IT consultants face every day. Do you know
- [How Group Health Insurance And Healthy Employee Incentives Work Hand-In-Hand](https://insureyourcompany.com/blog/how-group-health-insurance-and-healthy-employee-incentives-work-hand-in-hand/) - You can completely change the culture of your work environment and how your employees feel and perform by both offering group health insurance and implementing healthy employee incentives. Now, before you start calculating how much each is going to cost you, hear us out. Healthy employee incentives reward employees for making positive steps towards a
- [How Can Your Business Benefit from Workplace Safety Procedures?](https://insureyourcompany.com/blog/how-can-your-business-benefit-from-workplace-safety-procedures/) - As a business owner, it’s important for you to implement various safety procedures that relate to your industry. If you're wondering whether your business can benefit from workplace safety procedures or not, there are a few different factors you should consider. Once you see how much your business can benefit from making these changes, you're
- [Flood Insurance for New Jersey Businesses A Must: 8 Expenses To Cut Instead](https://insureyourcompany.com/blog/flood-insurance-for-new-jersey-businesses-a-must-8-expenses-to-cut-instead/) - The Garden State is now among the top three repetitive-loss states in the nation when it comes to flood insurance claims. This means that insurance companies, faced with paying out claims for flood damage on the same properties more than once, must make the unpopular decision to increase premium rates on flood insurance for New Jersey businesses.
- [Asbestos Cases Illustrate Claims-Made Vs. Occurrence Insurance Policies](https://insureyourcompany.com/blog/asbestos-cases-illustrate-claims-made-vs-occurrence-insurance-policies/) - Business owners are far more insurance savvy than the typical policyholder. Still, unless they've spent a lot of time reading commercial insurance contracts, they might never have thought about claims-made vs. occurrence insurance policies. While these terms might come across like typical insurance jargon, they are important options for purchasers of commercial liability insurance policies. To
- [General Liability Insurance For Independent IT Contractors](https://insureyourcompany.com/blog/general-liability-insurance-for-independent-it-contractors/) - Suppose, working as an independent IT contractor, you design a customer database for a client. Imagine that an unexpected glitch keeps anyone in your client's company from using the database for two weeks. Do you think you could afford the damages you could have to pay if the client sues you, claiming to have lost
- [Proof Of Insurance: What Clients Look For When Hiring An IT Contractor](https://insureyourcompany.com/blog/proof-of-insurance-what-clients-look-for-when-hiring-an-it-contractor/) - If you operate an IT staffing agency, you won't be able to get clients without proof of insurance. While you may wonder if all the coverage is necessary, the truth is, the insurance your clients requires you to have will benefit you in the long run—and it’s affordable. Not only will insurance be needed to get
- [6 Critical Facts About Workers' Comp and Disability Claims](https://insureyourcompany.com/blog/6-critical-facts-about-workers-comp-and-disability-claims/) - When one of your employees sustains an injury that makes working impossible for the duration of the injury or disability, filing workers' compensation and disability claims as appropriate often becomes a priority. This is necessary in order to ensure financial stability during the time that the injury prevents employment. To make sure that a disability does not present
- [What Employer's Liability Insurance Can Do For Your Company](https://insureyourcompany.com/blog/what-employers-liability-insurance-can-do-for-your-company/) - Suppose an employee of your company develops arthritis from doing repetitive tasks, but the state you live in does not recognize arthritis as an injury covered by workers’ compensation. Thus, your business is left open to a claim from the employee that could cost you significantly, or the employee is left with no recourse to
- [FAQ: Why Are My Business Insurance Limits So High?](https://insureyourcompany.com/blog/faq-why-are-my-business-insurance-limits-so-high/) - Although you probably understand the importance of having business insurance in place, you could find yourself looking at your policies and wondering, "Why are my business insurance limits so high?" It's a pretty reasonable question; your business might be a small one that only brings in a six-figure income (or less!) each year, but you
- [How To Prepare For Annual Workers' Compensation Audits](https://insureyourcompany.com/blog/how-to-prepare-for-annual-workers-compensation-audits/) - It’s an unavoidable truth of running a business: If you don't want to have to pay additional or unexpected premiums, your company must prepare for annual workers’ compensation audits. There are few things more unexpected and unpleasant for a business owner than having to pay the premiums after a policy year has expired. Such unexpected
- [Retroactive Dates In Liability Insurance: 3 Things You Need To Know](https://insureyourcompany.com/blog/retroactive-dates-in-liability-insurance-3-things-you-need-to-know/) - In the past, the liability insurance that many small businesses carried was occurrence coverage. This means that when someone filed a claim against the business for an event that occurred while an active policy covered the business, that claim would be processed, even if the policy was no longer active by the time the person made the
- [Group Health Insurance for Small Business: From Price to Coverage](https://insureyourcompany.com/blog/group-health-insurance-for-small-business-from-price-to-coverage/) - Finding group health insurance for your small business is a good way to reward your employees with the best possible medical coverage. Even if you're a very small business with under 100 employees, you can sometimes still get group health insurance. Despite new ACA rules saying you don't have to get coverage if you're that
- [Can A 1099 Employee Get Group Health Insurance?](https://insureyourcompany.com/blog/can-a-1099-employee-get-group-health-insurance/) - As an employer, you have a lot of different things you have to worry about. From making sure you have enough people on staff to meet the demands of the company to making sure taxes are paid on time and so on, it’s easy to see how things can get confusing and overwhelming. This rings
- [What Are The Legal Requirements For Workers' Compensation For Businesses?](https://insureyourcompany.com/blog/what-are-the-legal-requirements-for-workers-compensation-for-businesses/) - Workers' compensation insurance, commonly called workers' or workman's comp, is a mandate whereby businesses are required to purchase insurance for employees who are injured during their normal course of duties while on a job or acquire an illness or condition directly attributed to the workplace. Each state sets its own guidelines, therefore the legal requirements
- [Workplace Safety Tips: Preventing Accidents and Insuring Your Company](https://insureyourcompany.com/blog/workplace-safety-tips-preventing-accidents-and-insuring-your-company/) - Sometimes accidents are impossible to avoid. But that doesn’t mean there aren’t precautions that you, as a business owner, can take to ensure the safety of your employees. When thinking about workplace safety, there are a number of things you can do to prevent accidents at your business. It is also important to make sure
- [Risks That Medical Staffing Agencies Face: Insurance Protection And Vetting Clients](https://insureyourcompany.com/blog/risks-that-medical-staffing-agencies-face-insurance-protection-and-vetting-clients/) - Recent reports show that medical staffing agencies will soon experience a major boom in business through this year and beyond. The reason is due to medical facilities facing a shortage of registered nurses and other healthcare professionals. In turn, they now have to use staffing agencies to fill these medical roles, or maybe out of
- [Why Your Company Needs Technology Business Insurance](https://insureyourcompany.com/blog/why-your-company-needs-technology-business-insurance/) - Have you ever wondered why your business needs technology business insurance? You might need it to protect against claims of negligence or financial loss from a client, for workers’ compensation, against claims of copyright infringement, against data breaches or other security issues, or even damage to commercial property. A businessperson just has to look at the
- [All About The Open Enrollment Period for HealthCare.gov](https://insureyourcompany.com/blog/all-about-the-open-enrollment-period-for-healthcare-gov/) - The open enrollment period for HealthCare.gov is the yearly period when anyone can enroll in a health care plan through the Affordable Care Act (ACA). It’s designed to help people get insured if they happened to miss getting insurance during the regular enrollment period. On a general basis, this enrollment period occurs at the beginning
- [How Can A Small Business Offer Affordable Health Care Plans?](https://insureyourcompany.com/blog/how-can-a-small-business-offer-affordable-health-care-plans/) - In a time when small businesses are hurting due to health insurance rate hikes, many want to start looking for alternative affordable health care plans. You're probably feeling this pinch yourself, no matter how many employees you have in your small business. When the Affordable Care Act went into law, small businesses with under 50
- [How Health Care Reimbursement Plans Help Employers AND Employees](https://insureyourcompany.com/blog/how-health-care-reimbursement-plans-help-employers-and-employees/) - As health care becomes more complicated and expensive for businesses (especially small businesses), are health care reimbursement plans the way to go? If you've never heard of these reimbursement plans, it's time to learn about potential maximum savings on premium costs. Abbreviated as HRA (for Health Care Reimbursement Arrangement), this plan has ways to help
- [Types of Insurance for Medical Staffing Agencies: Protecting Against Liability Conditions](https://insureyourcompany.com/blog/types-of-insurance-for-medical-staffing-agencies/) - Business insurance for medical staffing agencies is essential when you consider how easily random accidents can happen in the medical field. While you can say that about any industry, the medical profession has more vulnerabilities due to ill patients and complex equipment. If you run a medical staffing agency, you understand this better than anyone,
- [The Most Important Health Insurance Benefits To Employees](https://insureyourcompany.com/blog/the-most-important-health-insurance-benefits-to-employees/) - Evidence shows that many employees consider health insurance to be one of the most essential benefits in the workforce. Nevertheless, they don't always think about the benefits in those policies until they are forced to choose a plan. With health insurance getting more focus lately, it's worth finding out which benefits your employees find the
- [5 Challenges That Today’s IT Recruiters Face](https://insureyourcompany.com/blog/5-challenges-that-todays-it-recruiters-face/) - Specifying in a particular niche, regardless of the nature of your business, always presents a number of interesting challenges. IT recruiters in particular face challenges related to looking for competent employees to work. There are also the matters of needing the right insurance, having adequate technology to do the job, and finding the right candidate
- [What Are The Government's Small Business Health Insurance Requirements?](https://insureyourcompany.com/blog/what-are-the-governments-small-business-health-insurance-requirements/) - This is a question we hear often from small business owners here in New Jersey. Group health insurance is a great benefit to offer your employees, but many business owners are concerned about the costs and whether it’s worth offering it versus allowing employees to opt for personal plans. The answer often depends on how
- [Save Money With A Business Owners Policy (BOP)](https://insureyourcompany.com/blog/save-money-with-a-business-owners-policy-bop/) - We understand—insurance is expensive for small businesses. When you’re trying to keep your company afloat, your employees paid, and your customers happy, increasing costs in any area of your business can be a great source of stress. Luckily, a business owners policy (BOP) can provide the common types of coverage that any business needs under one
- [How Tech Insurance Can Protect Your IT Company](https://insureyourcompany.com/blog/how-tech-insurance-can-protect-your-it-company/) - As an IT professional, imagine an employee of yours makes a mistake that causes a client to lose important data, or that software or a system you designed quits working. Your client may be unable to run his or business, and you could face a lawsuit. These are only two examples of why you need tech insurance.
- [5 Pipe Freeze Prevention Tips For Businesses](https://insureyourcompany.com/blog/5-pipe-freeze-prevention-tips-for-businesses/) - Thinking about the construction of the building where your business resides may not be the highest priority for your company, but when winter starts scratching at the door, it's important not to ignore it. Water pipes that are left out in the cold can freeze, which will block water flow at best and burst open
- [5 Key Trends In the Small Business Health Insurance Market For 2016](https://insureyourcompany.com/blog/5-key-trends-in-the-small-business-health-insurance-market-for-2016/) - With major provisions of healthcare reform brought about by the Affordable Care Act (ACA), there can be no doubt the landscape of small business health insurance is rapidly changing. The premiums being charged for group health coverage are outpacing inflation and most employers are feeling the pressure of rising health care costs. It is clear that
- [Information You Need to Prepare Before Buying Business Insurance](https://insureyourcompany.com/blog/information-you-need-to-prepare-before-buying-business-insurance/) - You may wonder what you need to know and what information to prepare before buying business insurance. Preparing for this important decision is easy, if you take simple steps, like assessing the risks you face for your particular business, working with a reputable agent who knows your industry, and making sure you get enough coverage.
- [Commercial General Liability Insurance In New Jersey Can Prevent a Possible Financial Disaster](https://insureyourcompany.com/blog/commercial-general-liability-insurance-in-new-jersey-can-prevent-a-possible-financial-disaster/) - The state of New Jersey does not require a business to be insured under a commercial general liability policy. But it must also be understood that New Jersey has a reputation for lawsuit abuse, and the state's liability laws make it less attractive for starting a new business. If you own commercial property or other
- [5 Winter Weather Precautions For Your Business](https://insureyourcompany.com/blog/5-winter-weather-precautions-for-your-business/) - Winter is one of the harshest times for businesses, and not just because people don't want to go out and shop when it's freezing outside. We’ve been lucky to have unseasonably warm weather here on the east coast this winter, but that doesn’t mean there isn’t cold weather coming for us eventually! If you're a
- [Why You Need Computer Programmer Insurance](https://insureyourcompany.com/blog/why-you-need-computer-programmer-insurance/) - As an IT professional, you may wonder why you need computer programmer insurance. In actuality, you still need the same kind of protection any business would in case of damage to your assets,or injuries that might occur on your business property (or in your home, if you work on a freelance basis). You also need
- [How To Keep Your Office Productive Over the Holidays](https://insureyourcompany.com/blog/how-to-keep-your-office-productive-over-the-holidays/) - During the holiday season, your employees are distracted. It’s understandable. They're worried about selecting the perfect Christmas or Hanukah gift for everyone on their list, accomplishing all those important holiday tasks like decorating, and juggling all the responsibilities of home and family throughout the holiday season. Even in the office, you're probably struggling to get
- [6 Common Myths About Commercial Auto Insurance](https://insureyourcompany.com/blog/6-common-myths-about-commercial-auto-insurance/) - Commercial auto insurance is an insurance policy consisting of physical damage, liability, and other optional coverage to protect a business from loss while operating a vehicle in the course of conducting business. It is important for business owners to understand the difference between a personal auto policy and a commercial auto policy. It stands to
- [Group LTD: What Is Long-Term Disability Insurance?](https://insureyourcompany.com/blog/group-ltd-what-is-long-term-disability-insurance/) - Many make the mistake of believing that a disability is caused by an accident or by being reckless. This isn't always the case. A disability can definitely be caused by an accident, sure, but it can also be caused by an illness or medical condition that the individual develops. Unfortunately, neither an employee or an
- [How To Deal With (And Avoid) Workers' Compensation Disputes](https://insureyourcompany.com/blog/how-to-deal-with-and-avoid-workers-compensation-disputes/) - You may think workers' compensation disputes can't happen when the whole point of having a policy is to protect yourself and your workers. Insurance companies aren't completely infallible, though, when it comes to dealing with insurance matters. It all depends on where you obtain your insurance, of course, but you need some contingency plans at
- [Risks That Staffing Agencies Face: From Hiring To Third-Party Work Sites](https://insureyourcompany.com/blog/risks-that-staffing-agencies-face-from-hiring-to-third-party-work-sites/) - The risks that staffing agencies face can sometimes become overwhelming once you realize the very real potential of certain sticky situations. Whether your agency hires on a temp basis or for permanent employment, supervisory control is a big problem because of the varied jobs your clients do. Since you're responsible for all liability in your employed clients,
- [The Ins and Outs of Group Short Term Disability Insurance](https://insureyourcompany.com/blog/the-ins-and-outs-of-group-short-term-disability-insurance/) - Many companies, especially those fairly new to the game, are unaware of group short term disability insurance. This type of business insurance provides employees the opportunity to take time off from work for a brief period of time—generally stipulated by a contract—and still receive some or all of their pay and benefits. The best short
- [The Benefits Of A Workers' Compensation Policy](https://insureyourcompany.com/blog/the-benefits-of-a-workers-compensation-policy/) - A workers’ compensation policy is essential based on how many injuries are possible in any type of work environment. Workers’ comp is there to help protect you against having to pay out medical expenses if one of your employees happens to get injured on the job. Plus, you're protected from having to pay them for
- [Keeping Up With Information Technology For Business](https://insureyourcompany.com/blog/keeping-up-with-information-technology-for-business/) - Finding ways to keep up with information technology for business probably sounds overwhelming in a time when technology evolves nearly overnight. Yet you know it's something you absolutely need to do in order to stay ahead in the business world. With business competition being more intense than ever, you can't afford to fall behind. Not
- [4 Things To Know About Your Explanation of Benefits (EOB)](https://insureyourcompany.com/blog/4-things-to-know-about-your-explanation-of-benefits-eob/) - A lot of people get confused when they receive the Explanation of Benefits (EOB) for their group or personal health insurance, only because it frequently comes in the mail. If it's not something related to billing, they just think it's superfluous and throw it away. However, you shouldn't throw away your EOB, as it will
- [What Are Fidelity And Surety Bonds? And Does Your Business Need Them?](https://insureyourcompany.com/blog/what-are-fidelity-and-surety-bonds-and-does-your-business-need-them/) - Fidelity bond insurance can protect your business against the dishonest acts of your employees, damage or loss if a contract is not fulfilled, dishonesty by those who administer pension plans, and more. Surety bonds can protect you against tax liens against your business, and guarantee payment of utility bills. This post will explain the different
- [FAQ: Do IT Staffing Firms Need Business Insurance?](https://insureyourcompany.com/blog/faq-do-it-staffing-firms-need-business-insurance/) - Business insurance is almost always necessary. In the context of a company that places tech or IT professionals where their services are needed, there are usually contract requirements that will need to be met before starting a job. Each contract is different, but they will often include transferring the liability and risk from that client
- [How To Protect Your Business With A Solid Email Policy](https://insureyourcompany.com/blog/how-to-protect-your-business-with-a-solid-email-policy/) - You may have the title and the corner office. However, if you have yet to consider or deal with all of your legal risks, you run the risk of putting your entire company in jeopardy over a single unexpected accident. These days, companies often run into trouble when it comes to email. For many fields,
- [What You Need To Know About Obtaining A Small Business Loan](https://insureyourcompany.com/blog/what-you-need-to-know-about-obtaining-a-small-business-loan/) - There may come a time when you might need to take out a small business load to help build momentum so you can succeed in the marketplace. Yet, no matter the size of your business, it's never an easy accomplishment. It's easy to blame the lenders for this, but in many cases, it's usually the
- [How To Add Your Spouse To Your Health Insurance Policy](https://insureyourcompany.com/blog/how-to-add-your-spouse-to-your-health-insurance-policy/) - Timing is a key component when adding a spouse to your health insurance policy. If you carry coverage through your employer, adding a spouse wholly depends on the type of coverage offered. While most companies do offer health insurance coverage to employees, they are not under any legal obligation to extend benefits to spouses or
- [Ways To Incentivize Healthy Employee Initiatives: The Power of Living a Healthier Lifestyle](https://insureyourcompany.com/blog/ways-to-incentivize-healthy-employee-initiatives-the-power-of-living-a-healthier-lifestyle/) - 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
- [Debunking the 5 Most Common Business Insurance Myths](https://insureyourcompany.com/blog/debunking-the-5-most-common-business-insurance-myths/) - 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
- [The Most Common Mistakes Made When Filing A Business Insurance Claim](https://insureyourcompany.com/blog/the-most-common-mistakes-made-when-filing-a-business-insurance-claim/) - 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
- [What You Need to Know About Having A Pet-Friendly Office](https://insureyourcompany.com/blog/what-you-need-to-know-about-having-a-pet-friendly-office/) - 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
- [Travel Medical Insurance Explained](https://insureyourcompany.com/blog/travel-medical-insurance-explained/) - 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
- [What To Do If Your Business Gets Sued: Prompt Responses and Ways to Pay Litigation Fees](https://insureyourcompany.com/blog/what-to-do-if-your-business-gets-sued-prompt-responses-and-ways-to-pay-litigation-fees/) - 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,
- [5 No-Brainer Ways To Save On Your Business Insurance](https://insureyourcompany.com/blog/5-no-brainer-ways-to-save-on-your-business-insurance/) - 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
- [How To Read Your IT Consultant Contract: The Essentials](https://insureyourcompany.com/blog/how-to-read-your-it-consultant-contract-the-essentials/) - While working as an IT consultant (or any other kind of consultant, for that matter), it's imperative to have an understanding of basic contract essentials for your legal safety. Even if you already know your client well and think problems won't occur while you work for them, things can still go awry. And for any
- [FAQ: What Is Workers’ Comp And As A Business Owner, Do You Need To Provide It?](https://insureyourcompany.com/blog/faq-what-is-workers-comp-and-as-a-business-owner-do-you-need-to-provide-it/) - Every small business owner providing workers’ compensation for the first time probably has a lot of questions about what it is, why they need it, and what it covers. It's possible you're one of those small business owners, perhaps one in the tech industry, where you may not think protection of your employees is completely
- [How to Add A Baby To Your Health Insurance Policy](https://insureyourcompany.com/blog/how-to-add-a-baby-to-your-health-insurance-policy/) - There's no getting around it. Health insurance can be complicated, and it might seem like a nightmare to add a new dependent to your existing policy. The good news is that adding your new baby to your health insurance policy is not as difficult as it might seem. Here are the steps you need to
- [Protecting Your Company with Employment Practices Liability Insurance](https://insureyourcompany.com/blog/protecting-your-company-with-employment-practices-liability-insurance/) - Being a business owner is an immense responsibility. Providing valuable services, paying comparable wages, having a well-trained staff, and organizing written procedures are among the many obligations on your plate. Despite your best efforts, a wide variety of unexpected situations may arise—and legal action might be one of them. In the event that you are
- [What Is Liquor Liability Insurance And Do You Need It?](https://insureyourcompany.com/blog/what-is-liquor-liability-insurance-and-do-you-need-it/) - There are many eating establishments who don't want to deny their customers the enjoyment of having a cocktail with their meal. Such restaurants choose to run what is referred to as a Bring Your Own Booze (BYOB) operation. In doing so, they avoid the administrative and regulatory framework associated with obtaining and holding a liquor license, not to mention the
- [5 Steps To Take Before Hiring An Employee](https://insureyourcompany.com/blog/before-hiring-an-employee/) - The hiring process can be a necessary but exhausting task. While it may be difficult to find the best employee to work for you, after you’ve done so, keeping them requires a bit of work. You have to obtain the correct documentation such as tax and insurance forms, purchase the insurance that is required by law for you to have, and maintain the appropriate regulations that have been determined the government.
- [4 Steps To Take Before Hiring An Independent Contractor](https://insureyourcompany.com/blog/before-hiring-an-independent-contractor/) - The Internal Revenue Service defines an independent contractor as “a business owner or contractor who provides services to other businesses.” They are responsible for their own social security, taxes, and retirement and health insurance plans and are not entitled to company coverages. If you choose to hire an independent contractor, you have to stay on top of the regulations set forth by the government.
- [Business Licensing Requirements For A Company Working Nationally](https://insureyourcompany.com/blog/business-licensing-requirements-for-a-company-working-nationally/) - Whether you operate a single-person LLC, have a small business with just a few employees, sell goods and services, or receive business contracts in other states, many states require you to have a variety of business licenses and permits before you can legally begin operations. In addition, you will have to register your business with federal, state, and local taxing authorities.
- [How To Find An Attorney For Your Business](https://insureyourcompany.com/blog/how-to-find-an-attorney-for-your-business/) - Part of being a responsible business owner is knowing that sometimes you need legal help. If you lack expertise in law, hiring an attorney that is skilled in the regulations and statutes enforced on businesses is the best thing you can do for your business.
- [Party Down: Getting Special Event Insurance Coverage](https://insureyourcompany.com/blog/getting-special-event-insurance-coverage/) - When you or your business rents a venue for a special event, liability is a major concern for all involved. Many venues won’t do business with you until you provide proof that you’re insured for anything that might go wrong there—they want to be certain that if something does go wrong, they’re not the ones left holding the bag.
- [Employee Benefits Director Gauri Gupta Earns Registered Employee Benefits Consultant Designation](https://insureyourcompany.com/blog/employee-benefits-director-gauri-gupta-earns-registered-employee-benefits-consultant-designation/) - InsureYourCompany.com has earned the Registered Employee Benefits Consultants (REBC) professional designation from The American College Of Financial Services, Bryn Mawr, PA.
- [Business Owner Responsibilities For Employee Termination](https://insureyourcompany.com/blog/business-owner-responsibilities-for-employee-termination/) - In general, most management advice tends to focus on things like hiring, managing, and motivating employees. There’s good reason for that—after all, the point of management is to move your business forward, and the way to do that is with a motivated, professional workforce. But sometimes, for different reasons, it just doesn’t work out with an employee, and the time comes where it's best to part ways. It’s typically not a fun experience, but it’s something that is occasionally necessary. And, as an employer, it’s critical that you not only know when to let someone go, but what your business owner responsibilities are before, during, and after the termination.
- [How Does The Supreme Court Ruling On The Affordable Care Act Affect Small Business Owners?](https://insureyourcompany.com/blog/supreme-court-ruling-on-the-affordable-care-act-small-business-owners/) - On June 25, 2015, The Supreme Court of the United States ruled that the Affordable Care Act is constitutional, and that it will continue until further notice. There are many effects on small business that come both from this ruling and from the Affordable Care Act itself. Fortunately, as a small business owner, you can adapt to this with relative ease. The Affordable Care Act is reasonably simple to understand if you pay attention to the most salient parts of it for your situation as a small business owner.
- [“Can’t Stop, Won’t Stop” With Business Interruption Insurance](https://insureyourcompany.com/blog/cant-stop-wont-stop-with-business-interruption-insurance/) - Consider the following scenario: You have to vacate the area due to an oncoming hurricane or tornado. You return to the scene to find your equipment damaged by wind and water, or it was hurled away. Not only will you be displaced because of the damage, you don’t have the inventory you need to keep your operations going. How will you relocate to another facility, replace all your products and replace the funds needed to make this happen?
- [Understanding Your Independent Contractor Agreement](https://insureyourcompany.com/blog/understanding-your-independent-contractor-agreement/) - If you have either worked as an independent contractor or have subcontracted work out, it’s best to get a solid understanding about the contract requirements. For the most part, these are all self-explanatory and make sense, however, the insurance aspects of an independent contractor agreement can still be challenging. The terminology and ultimate reasons behind these requirements can be a mystery to you if your training is in another industry that isn’t insurance or law, but ultimately this part of your contract is as vital as any other.
- [Hired And Non-Owned Auto Liability Explained](https://insureyourcompany.com/blog/hired-and-non-owned-auto-liability-explained/) - Taking a business trip? Going on-site with a client? Sending an employee to pick up office supplies? If your business ever requires you or your employees to travel in a vehicle that is not owned by your company, it’s imperative that you learn about hired and non-owned auto liability.
- [5 Reasons Why You Need Business Liability Insurance Right Now](https://insureyourcompany.com/blog/5-reasons-why-you-need-business-liability-insurance/) - Owning a business is an exciting and rewarding achievement. However, it also comes with its share of liabilities. While being sued as a business owner is relatively rare, every business is at risk. Not having adequate coverage for your business can leave you susceptible to a wide range of legal and financial issues, up to and including bankruptcy and the loss of your business.
- [Is Group Health Insurance Worth It?: Tips For New Business Owners](https://insureyourcompany.com/blog/is-group-health-insurance-worth-it-tips-for-new-business-owners/) - If you’re looking for something that costs less, and makes life easier, look no further: Group health insurance plans are a great option for employee coverage! Group health insurance is a type of insurance that offers healthcare provisions to a select group of people. This type of coverage is beneficial for businesses that wish to
- [Cyber Liability: How To Protect Your Business’ Data](https://insureyourcompany.com/blog/cyber-liability-how-to-protect-your-business-data/) - One of the best ways to limit your cyber liability is to protect your data from cyber breaches. Doing this requires a set of internal controls that are not unlike those you would use when receiving payments from customers in a retail format or shipments from a supplier of goods. These controls can be instituted without necessarily involving a large amount of additional software, as many of these cyber liability additions involve employee practices and insurance.
- [What's The Difference Between Group Health Insurance And Personal Health Insurance?](https://insureyourcompany.com/blog/group-health-insurance-vs-personal-health-insurance/) - While the Affordable Care Act has changed the landscape for many aspects of health insurance options for business, there is still a significant difference between group health insurance and the coverage you might select as an individual.
- [ACA 6055 Reporting Requirements Explained](https://insureyourcompany.com/blog/aca-6055-reporting-requirements-explained/) - With tax season in full swing we have been getting questions about reporting to the IRS information relating to covered individuals that have been provided minimum essential coverage (MEC). On March 10, 2014 the U.S. Department of the Treasury and IRS published final rules to implement the information reporting provisions for insurers and certain employers
- [A Good Technology Insurance Company Can Help Offset Tech Problems](https://insureyourcompany.com/blog/good-technology-insurance-company-can-help-offset-tech-problems/) - Corporations nowadays cannot do without the information technology that allows them to streamline and improve their work, which is why it is important to have as many securities as possible to ensure that nothing terrible overwhelms business. An article in the Business Insurance website dated October 28, 2014, however, discloses that while many executives are
- [Technology Insurance Policies and Other Ways to Stay Safe from Hackers](https://insureyourcompany.com/blog/technology-insurance-policies-ways-stay-safe-hackers/) - Contrary to popular belief, small and mid-sized businesses (SMBs) are actually common hacking targets. An article from USA Today explains further: The costs associated with computer and website attacks can run well into the thousands and even millions of dollars for a small company. Many small businesses have been attacked — 44%, according to a
- [Comprehensive Technology Insurance: A Must for All U.S. Businesses](https://insureyourcompany.com/blog/comprehensive-technology-insurance-must-u-s-businesses/) - In recent news, a data breach affecting P.F. Chang’s was discovered last summer, affecting 33 branches nationwide. In an attempt to defray the cost of recovering and re-securing data, the popular restaurant chain has attempted to file a claim with Travelers Insurance using their general liability insurance policy. According to a report from InsuranceTech.com, this
- [A Capable Technology Insurance Company Provides Liability Coverage](https://insureyourcompany.com/blog/capable-technology-insurance-company-provides-liability-coverage/) - Tech firms, even the most modest of startups, need to be prepared for negligent claims made against them by dissatisfied customers. Indeed, companies will need professional liability insurance should they come under fire for something they have allegedly done wrong. The nature of professional liability is discussed in light of the increasing use of automated
- [Gauri Gupta Earns Chartered Healthcare Consultant (ChHC) Designation](https://insureyourcompany.com/blog/gauri-gupta-earns-chartered-healthcare-consultant-chhc-designation/) - Manalapan, NJ, September 2014 – Gauri Gupta, CBC,ChHC, Director-Employee Benefits Division, at InsureYourCompany.com, a provider of reliable small business health insurance in NJ, has earned the Chartered Healthcare Consultant (ChHC) professional designation from The American College, Bryn Mawr, PA. Candidates for the ChHC designation must complete a minimum of six courses and 12 hours of proctored
- [Internal Protection with Network Insurance for Small Business Owners](https://insureyourcompany.com/blog/internal-protection-network-insurance-small-business-owners/) - A lot of businesses, both big and small, need to have a secure network infrastructure in place to facilitate their everyday operations. Yet it only takes a single malware-infested computer to bring the entire system down and undo a company’s good name. According to The Hill staff writer Julian Hatten, additional measures are needed to
- [When Your Primary NJ Business Insurance Runs Dry, Open an Umbrella](https://insureyourcompany.com/blog/primary-nj-business-insurance-runs-dry-open-umbrella/) - Even in business, punctuations still matter. During a recent hearing in Texas, British Petroleum (BP) argued that it's entitled to $750 million in insurance money after the Deepwater Horizon oil spill of 2010. The breakdown of the cost, according to a Bloomberg report, includes a $50-million indemnity from BP's primary insurer and a total of
- [D&O Insurance: The Least-Known Small Business Insurance Explained](https://insureyourcompany.com/blog/insurance-least-known-small-business-insurance-explained/) - Directors and officers (D&O) liability insurance is the "most discussed and least understood" form of insurance, writes Hartmut Mai, global head of financial lines at Allianz. Despite being offered by small business insurance providers such as InsureYourCompany.com, very few have a clear idea of its benefits. Regardless, there's no denying the growing demand for this
- [The Importance of Technology E&O Insurance for Small Business Owners](https://insureyourcompany.com/blog/importance-technology-eo-insurance-small-business-owners/) - It is important for your starting company to keep the business going by protecting your assets. Having coverage through the basic types of insurance for small business owners can indeed help, but if you are planning to become a player in the technology industry, the basics cannot provide sufficient protection for your business. An article
- [Reasons to Get Business Insurance In NJ For Your Starting Company](https://insureyourcompany.com/blog/reasons-get-business-insurance-nj-starting-company/) - Starting a business is not as easy as setting up a booth on the street and selling your wares to random strangers. You will need to spend a significant amount of time planning every aspect of your business: where to set up your office, how many employees to have, what products or services to offer,
- [Trusted Small Business Insurance Agency Helps Protect Company Assets](https://insureyourcompany.com/blog/trusted-small-business-insurance-agency-helps-protect-company-assets/) - Nature continues to be a force to reckon with as the effects of climate change have made storms and other weather events more powerful and destructive. Severe flooding experienced during vicious storms is proof of this as thousands of houses and buildings have been greatly affected and destroyed in calamities such as Hurricanes Katrina and
- [Turn to Trusted Companies for Small Business Health Insurance in NJ](https://insureyourcompany.com/blog/turn-trusted-companies-small-business-health-insurance-nj/) - Successful business owners know that they need to invest in adequate healthcare plans if they want to attract and retain hardworking employees. Even though the cost of such benefits continues to rise, an increasing number of employers are able to sign their employees up for health insurance. As reported by Margot Sanger-Katz for The New
- [Property Insurance for Small Business Owners: Deciding if You Need It](https://insureyourcompany.com/blog/property-insurance-small-business-owners-deciding-need/) - When you have limited but valuable assets in your company, you have to ensure that they are protected from the potentially negative consequences of unforeseen circumstances. What better way to do so than to have your commercial property insured? In an article for About.com, business journalist Tiare Rath describes how property insurance can be beneficial,
- [How Business Insurance in NJ Protects your Company against Liabilities](https://insureyourcompany.com/blog/business-insurance-nj-protects-company-liabilities/) - In protecting your business, insurance is the place to start. There are various types of business insurance in NJ, but sufficient coverage against the most common liabilities should be a priority. Attorney fees, court costs, settlement or judgment payments, and other expenses can easily add up to hundreds of thousands or even millions of dollars.
- [Despite Law to End Criminal Bias, NJ Business Insurance Still Matters](https://insureyourcompany.com/blog/despite-law-end-criminal-bias-nj-business-insurance-still-matters/) - Back in his black-hat hacking days, Kevin Poulsen commandeered the phone lines of a radio station in Los Angeles to win a Porsche by being the 102nd caller after three particular songs were aired. This is just one of his many feats that nearly resulted in decades behind bars. Five years into his sentence, he
- [Ensure Protection from Hour Claims with EPL Small Business Insurance](https://insureyourcompany.com/blog/ensure-protection-hour-claims-with-epl-small-business-insurance/) - The phrase "9-to-5" in reference to working hours in the U.S. is somewhat of a misnomer. The law doesn't compel businesses to stick to a 9-to-5 schedule. As long as the total number of work hours per workweek falls within the law-mandated 40 hours, office work can start at any time. An extension of work
- [The Different Types of Dependable Insurance for Small Business Owners](https://insureyourcompany.com/blog/different-types-dependable-insurance-small-business-owners/) - Dependable insurance for small business owners comes in many types and configurations. Their sheer variety might overwhelm anyone, especially an inexperienced entrepreneur. However, this short excerpt from an article on Confused.com stresses one good-to-know point about choosing from a wealth of choices: "Thankfully, choosing the correct insurance products to suit your company’s needs is actually
- [On Business Insurance in NJ: Tether your Finances Against Legal Cost](https://insureyourcompany.com/blog/business-insurance-nj-tether-finances-legal-cost/) - These days, lawsuits seem to be getting tossed around like pies at a carnival, especially against big businesses. You don’t have to be a corporate giant to face the threat of suits and feel their sting on your wallet though. So before you find yourself facing down a bunch of irate customers in Jersey state
- [Happy Holidays from InsureYourCompany.com!](https://insureyourcompany.com/blog/happy-holidays-from-insureyourcompany-com/)
- [Licensed and Insured](https://insureyourcompany.com/blog/licensed-and-insured/) - You see the signs on the sides of contractor’s trucks “Licensed and Insured.” This is supposed to give the person or business that hires the contractor a sense of security. Contractors and small business owners are required to obtain insurance by some regulation or contract. For example, state law requires businesses (depending on the industry)
- [Deductible Decoded](https://insureyourcompany.com/blog/deductible-decoded/) - Deductible is a term we all relate to insurance. If you have ever had health insurance, car insurance, or property insurance, then you have most likely dealt with a deductible. So why is it there? Almost every type of insurance incorporates a deductible into the policy. The deductible is the portion of out-of-pocket expense that
- [Important Information About Health Insurance Exchanges](https://insureyourcompany.com/blog/important-information-about-health-insurance-exchanges/) - The new Federal Health Care Reform Law requires all employers to notify their employees about the availability of public health insurance exchanges before October 1, 2013. On Wednesday, May 8, 2013, model notices were released for employers to provide to their employees. By providing your employees with these notices, it satisfies the law’s requirement so
- [5 Things to know about Personal Umbrella Liability Insurance](https://insureyourcompany.com/blog/5-things-to-know-about-personal-umbrella-liability-insurance/) - 5 Things to Know About Personal Umbrella Liability Insurance In today’s unpredictable, finger pointing world, people can sue you for just about anything so it is important to protect yourself and your money. Without umbrella coverage you may not have enough insurance to protect your assets. Our environment is volatile and random so don’t be
- [Why do I need General Liability Insurance?](https://insureyourcompany.com/blog/why-do-i-need-general-liability-insurance/) - Why do I need General Liability Insurance? You may not see a direct need for your business to have general liability insurance. The question “Why would I need general liability insurance?” is one an insurance agent answers every day. Insurance protects you for the unexpected, making sure your business is able to operate through any
- [Steps to buy a home for the first time](https://insureyourcompany.com/blog/steps-to-buy-a-home-for-the-first-time/) - Buying a new home can be overwhelming just to think about. If you have never purchased a home before, here are some steps to better understand what’s involved. Get preapproved for a mortgage. Preapproval determines the size of the loan a bank will lend you. This will help you figure out the price range of
- [The Perils of Perils](https://insureyourcompany.com/blog/the-perils-of-perils/) - Do you know what a peril is? Didn't think so. Watch our latest video to learn more. The first in a multi-part series!
- [What insurance does my IT software company need?](https://insureyourcompany.com/blog/what-insurance-does-my-it-software-company-need/) - We have over 15 years of experience working with small IT consulting businesses. Why is that important? Because this experience has given us the time to learn how the IT industry works. When you bid for a contract to work for a vendor they will hand you a sample contract that has all the requirements.
- [Your Business is Your Life](https://insureyourcompany.com/blog/your-business-is-your-life/) - Your business is your life. “Life is 10% of what happens to you and 90% of how you react to it.” Having your business properly insured gives you confidence, security and access to do business. Insurance can help you react to life and the risks of being in business. Help prepare your business for success
- [For your business to succeed, set SMART goals](https://insureyourcompany.com/blog/for-your-business-to-succeed-set-smart-goals/) - Watch our latest video on how to set goals and priorities to launch and grow your business.
- [Helping you with life events](https://insureyourcompany.com/blog/helping-you-with-life-events/) - Not only does InsureYourCompany.com offer business insurance, we can help you prepare for any life changing event. We're here when you need us. Watch my video at Buy Rite liquor store in Matawan, NJ to see how we are helping them. Did you find this video informational and interesting? Are there insurance issues or other
- [What's wrong with the US economy?](https://insureyourcompany.com/blog/whats-wrong-with-the-us-economy/) - I am far from being any sort of economic authority. I have owned and managed businesses all my life. I always have lived within my means, never purchasing more than I can afford. My credit card debt has always been little or none. The economic disaster that this country is going through frustrates and infuriates
- [Finding new clients](https://insureyourcompany.com/blog/finding-new-clients/) - One of the hardest things to do for any small business is finding new business. You can be the best at whatever you do, but if nobody knows about it you're not going to get new customers. It's so important to implement a marketing strategy. The phone is not going to ring on its own;
- [What is a Federal ID Number? The Basics](https://insureyourcompany.com/blog/what-is-a-federal-id-number-the-basics/) - If you are a company with employees, you must apply for a Federal ID Number. This number identifies your business with the US government and Internal Revenue Service (IRS). It's very easy to obtain. Watch Alan's latest video to learn more. Did you find this video informational and interesting? Are there insurance issues or other
- [Health Insurance Keeps Getting More Expensive](https://insureyourcompany.com/blog/health-insurance-keeps-getting-more-expensive/) - What is going on with health insurance? Insurance carriers continue to raise rates and the government is doing nothing! Watch and listen to my latest rant. At what point is health insurance going to become unaffordable for the majority of Americans? Did you find this video informational and interesting? Are there insurance issues or other
- [Get Umbrella Insurance Before It's Too Late](https://insureyourcompany.com/blog/get-umbrella-insurance-before-its-too-late/) - Simply put, umbrella insurance will protect you. I recently had a client whose employee got in a car accident. His auto insurance policy payment is not nearly enough to cover his upcoming expenses. If he had an umbrella insurance (also known as a liability insurance) policy, he would have been protected for so much more.
- [Info a Broker Needs for a Group Health Insurance Quote](https://insureyourcompany.com/blog/info-a-broker-needs-for-a-group-health-insurance-quote/) - If you are a business owner and interested in a health insurance plan for your company, any insurance broker you work with will need a census of your company. What is a census? It's information about the employees in your company. Watch my latest video to learn more about what we need to give you
- [Thoughts on Group Dental Insurance](https://insureyourcompany.com/blog/thoughts-on-group-dental-insurance/) - Last week, I was at my Edison, NJ dentist for my routine cleaning. Dr. Nandra at Serenity Dental Care. I highly recommend her! No cavities this time around so I am a pretty happy guy. As I was sitting in the dentist chair sucking on the air tube, I thought it would be fitting to
- [how business owners can find new clients](https://insureyourcompany.com/blog/how-business-owners-can-find-new-clients/) - business owners are constantly challenged with bringing in new business. how do you do it? where does it come from? Alan provides tips on sales strategies from his technology insurance company that you can apply to your own business. your existing customers can be your greatest asset. Did you find this video informational and interesting?
- [What is Employment Practices Liability Insurance?](https://insureyourcompany.com/blog/what-is-employment-practices-liability-insurance/) - EPLI is the acronym for Employment Practices Liability Insurance. What is it? Why do you need it? Alan's latest video covers everything you need to know about EPLI. In short it projects your company from employment related issues like: discrimination harassment failure to hire failure to promote wrongful termination Did you find this video informational
- [My Chevy S10 Electric Car - Built at Home!](https://insureyourcompany.com/blog/my-chevy-s10-electric-car-built-at-home/) - For those of you who know me, you know that I am very proud of my latest project: building my very own electric car. Hopefully you are continually "wow'ed" by my insurance videos, but this one will surely fire you up! Stay tuned for a sneak peek at the canoe I built...coming soon.
- [More worker's compensation info from Alan](https://insureyourcompany.com/blog/more-workers-compensation-info-from-alan/) - Alan discusses how insurance companies set workers compensation rates. Part of it depends on the type of work you do and how risky it is. Insurance companies have rating profiles based on your profession. The salary you pay your employees also determine your cost for workers comp. Watch our video and here it straight from
- [Finding a group health insurance plan isn't easy](https://insureyourcompany.com/blog/finding-a-group-health-insurance-plan-isnt-easy/) - Finding an affordable group health insurance plan for your company is challenging in 2011. Insurance brokers need a certain amount of information about your company's employees to get you the best rates they can. Watch our video to learn our process in getting you low rates.
- [IT Insurance Costs](https://insureyourcompany.com/blog/a-sample-it-consulting-insurance-quote/) - You may not know this, but a majority of our clients happen to be in the IT consulting industry. We are often asked what type of insurance a typical IT consulting company would need, so we came up with a fictional company, to show you the insurance that you would likely need and typical premiums

## Pages

- [Home](https://insureyourcompany.com/) - Find the top business insurance solutions providers in New Jersey USA. Insure Your Company helps you to find the best coverage for your business needs
- [Toolbox](https://insureyourcompany.com/insurance-learning-hub/) - IYC is your best insurance learning hub. We provide valuable insights & detailed guides to help you know & navigate the problem of various insurance policies.
- [Business Insurance For Your Company](https://insureyourcompany.com/business-insurance/) - Get a comprehensive business insurance quote in US from IYC, covering every policy & type of coverage. We help businesses large and small secure they need.
- [Benefits Packages For Your Employees](https://insureyourcompany.com/employees-benefits-package/) - IYC provides a range of employee benefits insurance policies, offering complete coverage plans that support the health and well-being of your workforce.
- [Life Insurance](https://insureyourcompany.com/life-insurance/) - Secure your future with the best life insurance policy from IYC. We offer a range of policies online quotes to suit your needs and ensure your security
- [Auto Insurance](https://insureyourcompany.com/auto-insurance/) - Get the best auto insurance quotes online from IYC. Our competitive rates and complete coverage options ensure you and your vehicle are well-protected
- [Personal Insurance](https://insureyourcompany.com/best-personal-insurance-companies-in-usa-iyc/) - IYC is one of the best personal insurance company in NJ, offers personalized service and reliable coverage options tailored to meet your individual needs
- [Home Insurance](https://insureyourcompany.com/home-insurance/) - Find the best home insurance policy quotes online in NJ with IYC. Our expert service make it easy to get complete home coverage at competitive rates
- [Risk Management 101: Property Risk Assessment Checklist](https://insureyourcompany.com/risk-management-101/property-risk-assessment/) - Protect your property with InsureYourCompany detailed risk assessment checklist, guiding you through identifying and mitigating potential risks effectively.
- [Risk Management 101: Auto Risk Assessment Checklist](https://insureyourcompany.com/risk-management-101/auto-risk-assessment/) - Ensure vehicle safety and compliance with InsureYourCompnay's auto risk assessment checklist, a key tool for managing automotive risks effectively.
- [Risk Management 101: Business Risk Assessment Checklist](https://insureyourcompany.com/risk-management-101/business-risk-assessment/) - Use InsureYourCompany complete business risk assessment checklist to identify potential risks and implement effective management strategies.
- [Welcome to the Certificate Portal!](https://insureyourcompany.com/certificate-portal/) - Access and manage your certificates of insurance through Insure Your Company's suitable online portal, simplifying compliance and coverage verification.
- [Risk Management 101](https://insureyourcompany.com/risk-management-101/) - Learn the necessary of risk management with Insure Your Company's checklist, designed to help small businesses effectively manage their insurance risks.
- [The Risk Assessment Survey](https://insureyourcompany.com/the-risk-assessment-survey/) - Use Insure Your Company's detailed risk assessment survey to identify potential business risks, securing your insurance coverage meets your specific needs.
- [InsureYourCompany.com Insurance Renewal Update Form](https://insureyourcompany.com/insurance-renewal-update-form/) - Keep your present insurance coverage with Insure Your Company it is easy-to-use insurance renewal update form, ensuring continuous protection for your business.
- [Disclaimer](https://insureyourcompany.com/disclaimer/) - Review our Disclaimer to learn about the terms of using Insure Your Company's services and information. We provide essential details to help you understand
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- [Get A Quote Now](https://insureyourcompany.com/get-a-quote-now/) - Secure the insurance you need with a customize quote from IYC. Explore our tailored solutions and competitive rates plan to fit your specific needs and budget
- [Contact](https://insureyourcompany.com/contact/) - Need help with your insurance? Contact IYC today for support. Our experts are ready to assist you with any queries, ensuring you receive the guidance you need
- [Blog](https://insureyourcompany.com/blog/) - Stay updated with the latest trends, tips, and insights in the insurance industry with IYC's blog. Your source for expert advice and information in new
- [Who We Insure](https://insureyourcompany.com/who-we-insure/) - As the #1 rated trusted insurance agency in USA, IYC is committed to delivering exceptional service & reliable coverage to protect your business and assets
- [About Us](https://insureyourcompany.com/about/) - IYC is a leading tech insurance company, we offer customized insurance solutions tailored to the unique needs of the industry. Trust us to protect your business
- [NJ Business Insurance Resource Center](https://insureyourcompany.com/insurance-learning-hub/resources/) - InsureYourCompany.com provides business insurance to hundreds of small businesses in New Jersey and nationwide. We’ve learned a lot about the challenges businesses like yours face. Our Information Center is intended to provide you with helpful links to a variety of resources for small businesses, IT consultants, and other technology professionals.
- [Tech Insurance](https://insureyourcompany.com/tech-insurance/)
- [Small Business Spotlight Gallery](https://insureyourcompany.com/small-business-spotlight-gallery/)
- [Small Business Spotlight](https://insureyourcompany.com/small-business-spotlight/) - As a business, we want to do all we can to help promote small businesses and watch them succeed. We have interviewed a number of small businesses that have a unique and compelling story to share. Below you will find a few organizations we have spotlighted across New Jersey- such as a non-profit soap company,
- [Single Source Solutions](https://insureyourcompany.com/single-source-solutions/) - If you are looking to be more competitive If you are looking for more choices If you are looking to retake control of your company Our Single Source Solution is an option
- [Risk Management Post AD](https://insureyourcompany.com/risk-management-post-ad/)
- [Renter’s Insurance for On and Off Campus Housing](https://insureyourcompany.com/lehigh-students-renters-insurance/) - Congratulations to you/your child on all these new and exciting experiences coming up! Whether you are getting ready to take the big leap into the first semester of Lehigh University or considering off campus housing opportunities, the logistics for these types of moves can be tricky. As the parent of two girls who just finished
- [Insurance Carriers](https://insureyourcompany.com/insurance-carriers/)
- [Business Insurance Survey](https://insureyourcompany.com/business-insurance-survey/)
- [Transparency in Coverage](https://insureyourcompany.com/transparency-in-coverage/) - https://www.ahatpa.com/transparency-in-coverage/2810977?key=/F841DKuGNRPWRBoBc23dqbcMn07LxJuSYxhnGJLWr+9CWkqeKBohuSP9IceMgyd30EPtP6bpQtcjGIaMs2emNwC Here is your company’s unique link: [AHA MRF URL]
- [Get A Quote Today](https://insureyourcompany.com/get-a-quote-today/) - Protect Your Business Now Request a free quote from our business insurance experts and discover affordable insurance options that meet your contract requirements.
- [Landing Page](https://insureyourcompany.com/landing-page/)
- [Thank You!](https://insureyourcompany.com/thank-you-2/) - Thank you for submitting the information we need to protect you and your student. I will be in contact with you soon to provide a quote or ask for more information. While I understand firsthand how there is plenty to worry about when it comes to making the transition to college, protecting your belongings should
- [Thank You](https://insureyourcompany.com/quote-thank-you/) - Thanks for reaching out. We will get back to you shortly. Thank you for requesting a quote from InsureYourCompany. Our team is working diligently to provide you with the best options tailored to your specific needs. We understand the importance of protecting your business and will ensure a prompt response. We appreciate your trust in
- [Thank You](https://insureyourcompany.com/thank-you/) - We will get back to you shortly. In the meantime, if you need help understanding the different types of insurance for business and how to determine the right fit for you, download our free guide:
- [Real-Time-Quote](https://insureyourcompany.com/quote/) - [cs_content][cs_element_section _id="1" ][cs_element_layout_row _id="2" ][cs_element_layout_column _id="3" ][cs_element_headline _id="4" ][cs_content_seo]An End-to-End Solution Provider\n\n[/cs_content_seo][/cs_element_layout_column][/cs_element_layout_row][/cs_element_section][cs_element_section _id="5" ][cs_element_layout_row _id="6" ][cs_element_layout_column _id="7" ][cs_element_layout_div _id="8" ][cs_element_layout_div_2 _id="9" ][cs_element_slide_pagination _id="10" ][cs_element_layout_slide_container _id="11" ][cs_element_layout_slide _id="12" ][cs_element_headline _id="13" ][cs_content_seo]Get Real-Time Insurance Quotes in Seconds\n\n[/cs_content_seo][/cs_element_layout_slide][cs_element_layout_slide _id="14" ][cs_element_headline _id="15" ][cs_content_seo]Protect your company from potential risks today\n\n[/cs_content_seo][/cs_element_layout_slide][/cs_element_layout_slide_container][/cs_element_layout_div_2][/cs_element_layout_div][/cs_element_layout_column][/cs_element_layout_row][/cs_element_section][cs_element_section _id="16" ][cs_element_layout_row _id="17" ][cs_element_layout_column _id="18" ][cs_element_layout_modal _id="19" ][cs_element_raw_content _id="20" ][cs_content_seo]\n\n[/cs_content_seo][/cs_element_layout_modal][cs_content_seo]Real-Time
- [Privacy Policy](https://insureyourcompany.com/privacy-policy1/) - Who we are Suggested text: Our website address is: https://insureyourcompany.com. Comments Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a
- [Products](https://insureyourcompany.com/products/) - There are many reasons to buy Insurance: Risk avoidance, contract requirements, leases and government regulation. As a NJ insurance agency, InsureYourCompany.com specializes in determining what coverage you need and why. We will partner with you to learn about your business, guide you through your best business insurance options, and teach you how they relate to
- [Sample Page](https://insureyourcompany.com/sample-page/) - This is an example page. It's different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this: Hi there! I'm a bike messenger
- [Thank You](https://insureyourcompany.com/survey-thank-you/)
- [Thank You!](https://insureyourcompany.com/renters-insurance-for-on-and-off-campus-housing-thank-you/) - Thank you for submitting the information we need to protect you and your student. I will be in contact with you soon to provide a quote or ask for more information. While I understand firsthand how there is plenty to worry about when it comes to making the transition to college, protecting your belongings should
- [Thank you for subscribing!](https://insureyourcompany.com/subscription-thank-you/) - You are on your way to find out how easy it is to select the correct insurance policy for your business. We hope you find our blog articles useful and informative. If you have any additional questions, not to worry—we're here to help. Request a free, 30-minute consultation with one of our experienced

## Key Details

- [Property & Liability Coverage](https://insureyourcompany.com/key-details/property-liability-coverage/) - Property insurance not only covers the building and its contents, but it also provides coverage for loss of income should the building become uninhabitable, experience mechanical failure, or other potential issues.

## Products

- [Group Long-Term Disability Benefits For Small Business](https://insureyourcompany.com/products/group-ltd/) - Protect your employees with IYC's group long-term disability insurance for businesses. This coverage helps your employees during extended periods of disability
- [Group Short-Term Disability Benefits For Small Business](https://insureyourcompany.com/products/group-std/) - Protect your employees with IYC's group short-term disability insurance. This insurance provides financial help during time periods of disability
- [Group Life Insurance For Small Business Employees](https://insureyourcompany.com/products/group-life/) - IYC offers group life and disability insurance, providing key coverage to ensure your employees' well-being & financial security in case of unexpected events.
- [Group Dental Insurance For Small Business Employees](https://insureyourcompany.com/products/group-dental/) - IYC NJ offers compete quotes for both small & large business group dental insurance, ensuring your employees have access to essential dental care
- [Group Health Insurance for Business Owners](https://insureyourcompany.com/products/health-insurance/) - IYC's group health insurance plans offer great services & coverage quotes for business owners looking to provide their employees with best health care benefits
- [Group Vision Insurance For Small Business Employees](https://insureyourcompany.com/products/group-vision/) - Protect your employees' vision with IYC's group vision insurance quotes in NJ. Our policies provide complete coverage for vision, ensuring your team's eye care
- [Hired and Non-Owned Auto Liability For Small Business](https://insureyourcompany.com/products/hired-non-owned-auto-liability/) - IYC provides quotes for hired and non-owned auto liability insurance in NJ, offering key coverage for vehicles your business uses but does not own.
- [General Liability Insurance For Small Business](https://insureyourcompany.com/products/general-liability-insurance/) - Secure general liability insurance quotes for your small business from IYC. Our tailored policies ensure complete protection against risks and liabilities.
- [Professional Liability Insurance For Small Business](https://insureyourcompany.com/products/professional-liability-insurance/) - Professional liability insurance from IYC is designed to protect your business from claims of errors. Ensure your business security with our coverage quotes
- [Workers' Compensation Insurance For Small Business](https://insureyourcompany.com/products/workers-compensation-insurance/) - Insure Your Company specializes in workers’ compensation insurance for small businesses, offering robust coverage options to protect your employees and business
- [Errors & Omissions Insurance For Small Business](https://insureyourcompany.com/products/errors-and-omissions/) - Errors & Omissions insurance is key for small businesses. At IYC, we provide the best E&O coverage to protect against claims of failing to perform your services
- [Cyber Liability Insurance For Small Businesses](https://insureyourcompany.com/products/cyber-liability-insurance/) - IYC offers complete cyber insurance coverage NJ, protecting businesses from cyber threats & liabilities. Get a quote & protect your business from digital risks
- [Key Person Insurance For Small Businesses](https://insureyourcompany.com/products/small-business-key-person-life-insurance-us-iyc/) - IYC specializes in key person life insurance for small businesses in NJ. Our policies help secure your business's future by compensating for financial losses
- [Web Designer & Developer](https://insureyourcompany.com/products/web-designer-insurance/) - Ensure your web design and development company are covered with professional liability insurance from InsureYourCompany, customized to the digital realm.
- [Vending Machine Operations](https://insureyourcompany.com/products/vending-machine-operations/) - Protect your vending machine business with complete business insurance from InsureYourCompany, covering everything from machine damage to liability issues.
- [Technology Professional](https://insureyourcompany.com/products/technology-insurance/) - IYC provides cutting-edge professional liability insurance for technology professionals, safeguarding your business against tech-specific risks.
- [Restaurant](https://insureyourcompany.com/products/restaurant-insurance/) - InsureYourCompany offers customized insurance solutions for the restaurant industry, covering risks from food safety to customer accidents.
- [Plumbers](https://insureyourcompany.com/products/plumbers-insurance/) - Protect commercial liability insurance from InsureYourCompany tailored for plumbers, providing coverage for the unique challenges of plumbing work.
- [Payroll Service Provider](https://insureyourcompany.com/products/payroll-services/) - InsureYourCompany provides robust commercial insurance for payroll service providers, safeguarding your business against operational and financial risks.
- [Landscaper](https://insureyourcompany.com/products/landscaper-insurance/) - InsureYourCompany provides industry-specific insurance solutions for landscapers, ensuring protection against a range of outdoor risks.
- [Janitorial & Cleaning Services](https://insureyourcompany.com/products/cleaning-services-insurance/) - Get complete insurance for your janitorial or cleaning services company with InsureYourCompany, covering everything from employee accidents to property damage
- [IT Staffing Agency](https://insureyourcompany.com/products/it-staffing-agency-insurance/) - IYC is a leading insurance provider in New Jersey, offers tailored solutions for IT staffing agencies, covering a wide range of industry-specific risks
- [IT Consultant](https://insureyourcompany.com/products/it-business-insurance/) - Secure your IT consultancy with professional liability insurance from InsureYourCompany, covering risks related to data breaches, system failures, and more.
- [HVAC Business](https://insureyourcompany.com/products/hvac-business-insurance/) - InsureYourCompany provides custom insurance solutions for HVAC contractors, covering all aspects of your business from installation to service and repair.
- [Health Care Staffing Agency](https://insureyourcompany.com/products/healthcare-staffing-agency-insurance/) - Protect your healthcare or medical staffing agency with comprehensive insurance solutions from IYC, designed to protect against industry-specific liabilities.
- [Health Care Services](https://insureyourcompany.com/products/health-care-services-insurance/) - InsureYourCompany provides specialized insurance coverage for healthcare businesses and facilities to protect against malpractice and other risks.
- [Fitness Professional](https://insureyourcompany.com/products/fitness-instructor-insurance/) - Secure your fitness instructing business with InsureYourCompany's professional liability insurance, tailored to meet the unique needs of fitness professionals
- [Electrician](https://insureyourcompany.com/products/electrician-insurance/) - InsureYourCompany specializes in insurance for electricians, offering robust policies to safeguard against job-related injuries and equipment damage
- [Construction](https://insureyourcompany.com/products/construction-insurance/) - InsureYourCompany offers customized insurance services for construction companies, ensuring comprehensive coverage for all construction-related risks.
- [Computer Programmer](https://insureyourcompany.com/products/computer-programmer-insurance/) - Complete insurance plans for software developers & computer programmers to protect against unexpected risks. Protect your tech profession with InsureYourCompany
- [Business & Personal Services](https://insureyourcompany.com/products/business-personal-services-insurance/) - IYC offers customized insurance services for a wide range of business and personal services, safeguarding your professional and personal endeavors.
- [Beauty & Hair Salon](https://insureyourcompany.com/products/hair-salon-insurance/) - IYC provides specialized insurance services for hair and beauty salons and hairstylists, ensuring comprehensive protection against all industry risks.
- [Whole Life Insurance](https://insureyourcompany.com/products/whole-life-insurance/) - Invest in your lifelong security insurance with whole life insurance from InsureYourCompany, available online. Get detailed quotes and expert guidance.
- [Term Life Insurance](https://insureyourcompany.com/products/term-life-insurance/) - Protect your future with InsureYourCompaby's term life insurance plans available online. Offering affordable prices and substantial coverage for peace of mind.
- [Collector Car Insurance](https://insureyourcompany.com/products/collector-car-insurance/) - Protect your prized collector car with specialized insurance from InsureYourCompany in New Jersey, offering customized coverage for classic & vintage vehicles.
- [ATV Insurance](https://insureyourcompany.com/products/atv-insurance/) - Get your ATV / UTV insured online with complete coverage by InsureYourCompany that meets all your off-road needs, ensuring safety and protection.
- [Boat Insurance](https://insureyourcompany.com/products/boat-insurance/) - Insure your boat with InsureYourCompany and enjoy complete coverage and peace of mind. Get a quick online quote today.
- [Motorcycle Insurance](https://insureyourcompany.com/products/motorcycle-insurance-new-jersey/) - Protect your ride with the best motorcycle insurance in New Jersey USA, provided by InsureYourCompany, featuring complete coverage and exceptional service.
- [Auto Insurance](https://insureyourcompany.com/products/auto-insurance/) - Effortlessly buy or renew your car insurance online with InsureYourCompany, ensuring fast, reliable coverage at competitive prices.
- [Renters Insurance](https://insureyourcompany.com/products/renters/) - InsureYourCompany is the best renters insurance providers in New Jersey USA, providing top-tier coverage options for tenants' unique needs.
- [Condo Insurance](https://insureyourcompany.com/products/condo-insurance/) - Get competitive condo insurance quotes through Insure Your Company, offering personalized coverage options for condo owners in New Jersey.
- [Vacant Dwelling](https://insureyourcompany.com/products/vacant-dwelling/) - Secure your unoccupied properties with specialized vacant dwelling insurance from Insure Your Company, designed to cover all associated risks.
- [Homeowners Insurance](https://insureyourcompany.com/products/homeowners-insurance-2/) - Compare leading homeowners insurance companies in New Jersey through Insure Your Company to find the best coverage suited to your home protection needs.
- [Travel Health Insurance For Small Business Employees](https://insureyourcompany.com/products/travel-health-insurance/) - InsureYourCompany provides robust business travel insurance for employees, offering extensive coverage for health and accidents during business trips.
- [New Jersey Homeowners Insurance](https://insureyourcompany.com/products/homeowners-insurance/) - Find best homeowners insurance quotes and extensive coverage options in New Jersey with Insure Your Company, ensuring your home is fully protected.
- [New Jersey Condo And Renter’s Insurance](https://insureyourcompany.com/products/condo-and-renters-insurance/) - Get comprehensive condo and renters insurance in New Jersey with IYC, tailored to protect your home and belongings with the best coverage options.
- [COBRA Compliance For Small Business](https://insureyourcompany.com/products/cobra/) - Navigate COBRA compliance confidently with Insure Your Company's expert guidance, ensuring your business adheres to health insurance continuation laws.
- [New Jersey Personal Umbrella Policy](https://insureyourcompany.com/products/new-jersey-personal-umbrella-policy/) - Extend your liability coverage with Insure Your Company's Personal Umbrella Insurance Policy, providing additional protection in New Jersey.
- [Individual Life Insurance For Business Owners](https://insureyourcompany.com/products/life-insurance/) - Insure Your Company offers customized life insurance services for business owners in New Jersey, protecting your personal and business future.
- [Individual Health Insurance For Small Business](https://insureyourcompany.com/products/individual-health-insurance/) - Find best options from top health insurance provided by Insure Your Company, specializing in plans and quotes for small businesses & their employees.
- [License Bonds For Small Businesses](https://insureyourcompany.com/products/license-bonds/) - Insure Your Company ensures compliance with legal requirements through our license and permit bonds insurance, essential for peace of mind.
- [Media Liability Insurance For Small Businesses](https://insureyourcompany.com/products/media-liability-insurance/) - Insure Your Company provides media liability insurance to shield your business from media-related exposures, essential for modern enterprises.
- [Employment Practices Liability Insurance For Small Businesses](https://insureyourcompany.com/products/employment-practices-liability-epli/) - Secure your business from employment-related claims with Insure Your Company's EPLI, offering robust coverage for legal costs and settlements.
- [Directors & Officers Insurance For Small Business](https://insureyourcompany.com/products/directors-officers-insurance-for-small-business-iyc/) - Protect your leadership with Insure Your Company's directors & officers insurance, including legal expenses and settlement costs.
- [Commercial Auto Insurance For Small Business](https://insureyourcompany.com/products/commercial-auto-insurance/) - Insure Your Company offers specialized commercial auto insurance for small business vehicles in New Jersey, customized to meet your specific needs.
- [Commercial Property Insurance For Small Business](https://insureyourcompany.com/products/commercial-property-insurance/) - Secure your business premises with Insure Your Company's complete commercial property insurance, covering all types of assets and risks.
- [401k Retirement Plans for Small Business Employees](https://insureyourcompany.com/products/401k-retirement-plans/) - Insure Your Company offers 401K retirement insurance plans specifically designed to provide small business employees with a secure financial future.
- [Independent Contractors](https://insureyourcompany.com/products/independent-contractors/)
- [Contractors](https://insureyourcompany.com/products/contractors/)
- [Excess Liability (Umbrella) Insurance For Small Business](https://insureyourcompany.com/products/umbrella-insurance/) - As its name implies, umbrella insurance extends your coverage beyond the limits of your basic business insurance.
- [Fidelity And Surety Bonds For Small Businesses](https://insureyourcompany.com/products/fidelity-surety-bonds/) - Fidelity bonds are issued as a guarantee against loss due to employee dishonesty.
- [Property Insurance](https://insureyourcompany.com/products/property-insurance2/) - What is property insurance and what can it cover? The property you own took you a lifetime to acquire and you deserve to have your hard work protected. InsureYourHome.com has knowledgeable, licensed experts to guide you through the best ways to protect your property and assets. We have access to the best insurance carriers with
- [Group Disability](https://insureyourcompany.com/products/long-term-short-term-disability/) - It’s important to protect your employees’ income and your business’s profits from the financial setbacks of a disability.
- [Personal Umbrella](https://insureyourcompany.com/products/personal-umbrella/) - Imagine being involved in a long and drawn out lawsuit. You’ve exceeded the liability limits that either your auto or homeowners policy covers or you have no idea how you’ll be able to pay the rest of your legal fees. Then you find out that they all could have been covered by insurance if you
- [S3 Customer Service Concierge](https://insureyourcompany.com/products/s3-customer-service-concierge/) - We provide every one of our S3 clients a dedicated customer service rep to help manage your policies, services, and compliance issues. There are no fees or extra charges they are part of the S3 program to help you save time money and unnecessary hiring. You will never have to chase down phone numbers or
- [S3 Payroll and HR Services](https://insureyourcompany.com/products/s3-payroll-and-hr-services/) - We have partnered up with the best payroll providers and HR systems in the industry. You will have the option to choose a payroll provider form one of our partners or choose any service you would like to work in conjunction with S3. Worker's compensation can be integrated into your payroll service to help you
- [S3 Workers Compensation and Employment Practices liability E.P.L.I.](https://insureyourcompany.com/products/s3-workers-compensation-and-employment-practices-liability-e-p-l-i/) - General Liability Workers Compensation Umbrella Third-Party Fidelity Crime Bond Professional Liability Errors & Omissions EPLI D&0 With over 15 years of knowledge and experience, we have networked with the top insurance carriers to provide the best-rated insurance products. Our expert insurance agents guide you and your business through dangers that lurk and at any possible
- [S3 Employee Benefits, COBRA Service and Compliance](https://insureyourcompany.com/products/s3-employee-benefits-cobra/) - Keeping your company compliant is one of the biggest challenges facing businesses today. We help by making sure your business is properly registered in each state where you transact business and get you set up with a registered agent. We can provide sample documents, such as contracts, employee handbooks, non compete for agreements and the

## Categories

- [Uncategorized](https://insureyourcompany.com/blog/category/uncategorized/)
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- [key person insurance](https://insureyourcompany.com/blog/category/key-person-insurance/)
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- [Professional Liability Insurance](https://insureyourcompany.com/blog/category/professional-liability-insurance/)
- [Life Insurance](https://insureyourcompany.com/blog/category/life-insurance/)

## Tags

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- [types of insurance](https://insureyourcompany.com/blog/tag/types-of-insurance/)
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- [health pools](https://insureyourcompany.com/blog/tag/health-pools/)
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- [wellness programs](https://insureyourcompany.com/blog/tag/wellness-programs/)
- [international business insurance](https://insureyourcompany.com/blog/tag/international-business-insurance/)
- [international workers' comp](https://insureyourcompany.com/blog/tag/international-workers-comp/)
- [professional liability insurance](https://insureyourcompany.com/blog/tag/professional-liability-insurance/)
- [adding a spouse to your health insurance policy](https://insureyourcompany.com/blog/tag/adding-a-spouse-to-your-health-insurance-policy/)
- [mentoring](https://insureyourcompany.com/blog/tag/mentoring/)
- [networking](https://insureyourcompany.com/blog/tag/networking/)
- [networking resource](https://insureyourcompany.com/blog/tag/networking-resource/)
- [resources for business owners](https://insureyourcompany.com/blog/tag/resources-for-business-owners/)
- [small business networking](https://insureyourcompany.com/blog/tag/small-business-networking/)
- [business documentation](https://insureyourcompany.com/blog/tag/business-documentation/)
- [obtaining a small business loan](https://insureyourcompany.com/blog/tag/obtaining-a-small-business-loan/)
- [small business loans](https://insureyourcompany.com/blog/tag/small-business-loans/)
- [small business plan](https://insureyourcompany.com/blog/tag/small-business-plan/)
- [business](https://insureyourcompany.com/blog/tag/business/)
- [small business advertising](https://insureyourcompany.com/blog/tag/small-business-advertising/)
- [business communications](https://insureyourcompany.com/blog/tag/business-communications/)
- [business email policy](https://insureyourcompany.com/blog/tag/business-email-policy/)
- [company email policy](https://insureyourcompany.com/blog/tag/company-email-policy/)
- [email policy](https://insureyourcompany.com/blog/tag/email-policy/)
- [it staffing agency](https://insureyourcompany.com/blog/tag/it-staffing-agency/)
- [license bond](https://insureyourcompany.com/blog/tag/license-bond/)
- [pension plans](https://insureyourcompany.com/blog/tag/pension-plans/)
- [surety bond](https://insureyourcompany.com/blog/tag/surety-bond/)
- [tax bonds](https://insureyourcompany.com/blog/tag/tax-bonds/)
- [data mining](https://insureyourcompany.com/blog/tag/data-mining/)
- [employer disclosure](https://insureyourcompany.com/blog/tag/employer-disclosure/)
- [privacy concerns](https://insureyourcompany.com/blog/tag/privacy-concerns/)
- [social media for business](https://insureyourcompany.com/blog/tag/social-media-for-business/)
- [social media policy](https://insureyourcompany.com/blog/tag/social-media-policy/)
- [explanation of benefits](https://insureyourcompany.com/blog/tag/explanation-of-benefits/)
- [business technology](https://insureyourcompany.com/blog/tag/business-technology/)
- [information technology for business](https://insureyourcompany.com/blog/tag/information-technology-for-business/)
- [keeping up with technology](https://insureyourcompany.com/blog/tag/keeping-up-with-technology/)
- [workers' compensation policy](https://insureyourcompany.com/blog/tag/workers-compensation-policy/)
- [short term disability](https://insureyourcompany.com/blog/tag/short-term-disability/)
- [short term disability insurance](https://insureyourcompany.com/blog/tag/short-term-disability-insurance/)
- [staffing agencies](https://insureyourcompany.com/blog/tag/staffing-agencies/)
- [employee disputes](https://insureyourcompany.com/blog/tag/employee-disputes/)
- [workers' compensation disputes](https://insureyourcompany.com/blog/tag/workers-compensation-disputes/)
- [long term disability](https://insureyourcompany.com/blog/tag/long-term-disability/)
- [long term disability insurance](https://insureyourcompany.com/blog/tag/long-term-disability-insurance/)
- [company vehicles](https://insureyourcompany.com/blog/tag/company-vehicles/)
- [employee management](https://insureyourcompany.com/blog/tag/employee-management/)
- [employee relations](https://insureyourcompany.com/blog/tag/employee-relations/)
- [holidays at the office](https://insureyourcompany.com/blog/tag/holidays-at-the-office/)
- [productivity](https://insureyourcompany.com/blog/tag/productivity/)
- [staying productive during the holidays](https://insureyourcompany.com/blog/tag/staying-productive-during-the-holidays/)
- [computer programmer insurance](https://insureyourcompany.com/blog/tag/computer-programmer-insurance/)
- [cyber risk insurance](https://insureyourcompany.com/blog/tag/cyber-risk-insurance/)
- [insurance for computer programmers](https://insureyourcompany.com/blog/tag/insurance-for-computer-programmers/)
- [commercial property insurance](https://insureyourcompany.com/blog/tag/commercial-property-insurance/)
- [property insurance](https://insureyourcompany.com/blog/tag/property-insurance/)
- [winter weather precautions](https://insureyourcompany.com/blog/tag/winter-weather-precautions/)
- [Affordable Care Act](https://insureyourcompany.com/blog/tag/affordable-care-act/)
- [pipe freeze prevention](https://insureyourcompany.com/blog/tag/pipe-freeze-prevention/)
- [boiler and machinery coverage](https://insureyourcompany.com/blog/tag/boiler-and-machinery-coverage/)
- [business interruption coverage](https://insureyourcompany.com/blog/tag/business-interruption-coverage/)
- [constructed buildings coverage](https://insureyourcompany.com/blog/tag/constructed-buildings-coverage/)
- [crime insurance](https://insureyourcompany.com/blog/tag/crime-insurance/)
- [employees' personal property coverage](https://insureyourcompany.com/blog/tag/employees-personal-property-coverage/)
- [extra expense coverage](https://insureyourcompany.com/blog/tag/extra-expense-coverage/)
- [flood insurance](https://insureyourcompany.com/blog/tag/flood-insurance/)
- [inland marine coverage](https://insureyourcompany.com/blog/tag/inland-marine-coverage/)
- [off-premises property coverage](https://insureyourcompany.com/blog/tag/off-premises-property-coverage/)
- [ordinance or law coverage](https://insureyourcompany.com/blog/tag/ordinance-or-law-coverage/)
- [valuable papers coverage](https://insureyourcompany.com/blog/tag/valuable-papers-coverage/)
- [windstorm and hail insurance](https://insureyourcompany.com/blog/tag/windstorm-and-hail-insurance/)
- [insurance for it company](https://insureyourcompany.com/blog/tag/insurance-for-it-company/)
- [it business](https://insureyourcompany.com/blog/tag/it-business/)
- [it company](https://insureyourcompany.com/blog/tag/it-company/)
- [tech insurance](https://insureyourcompany.com/blog/tag/tech-insurance/)
- [business interruption insurance](https://insureyourcompany.com/blog/tag/business-interruption-insurance/)
- [business owners policy](https://insureyourcompany.com/blog/tag/business-owners-policy/)
- [commercial liability insurance](https://insureyourcompany.com/blog/tag/commercial-liability-insurance/)
- [government requirements for small business](https://insureyourcompany.com/blog/tag/government-requirements-for-small-business/)
- [small business health insurance](https://insureyourcompany.com/blog/tag/small-business-health-insurance/)
- [small business health options program](https://insureyourcompany.com/blog/tag/small-business-health-options-program/)
- [IT recruiters](https://insureyourcompany.com/blog/tag/it-recruiters/)
- [accident insurance](https://insureyourcompany.com/blog/tag/accident-insurance/)
- [dental insurance](https://insureyourcompany.com/blog/tag/dental-insurance/)
- [vision insurance](https://insureyourcompany.com/blog/tag/vision-insurance/)
- [healthcare staffing agency](https://insureyourcompany.com/blog/tag/healthcare-staffing-agency/)
- [medical professional liability](https://insureyourcompany.com/blog/tag/medical-professional-liability/)
- [medical staffing agency](https://insureyourcompany.com/blog/tag/medical-staffing-agency/)
- [health](https://insureyourcompany.com/blog/tag/health/)
- [healthcare.gov](https://insureyourcompany.com/blog/tag/healthcare-gov/)
- [medicaid](https://insureyourcompany.com/blog/tag/medicaid/)
- [open enrollment](https://insureyourcompany.com/blog/tag/open-enrollment/)
- [special enrollment](https://insureyourcompany.com/blog/tag/special-enrollment/)
- [equipment breakdown insurance](https://insureyourcompany.com/blog/tag/equipment-breakdown-insurance/)
- [network security liability insurance](https://insureyourcompany.com/blog/tag/network-security-liability-insurance/)
- [technology business insurance](https://insureyourcompany.com/blog/tag/technology-business-insurance/)
- [technology companies](https://insureyourcompany.com/blog/tag/technology-companies/)
- [OSHA](https://insureyourcompany.com/blog/tag/osha/)
- [safety precautions](https://insureyourcompany.com/blog/tag/safety-precautions/)
- [workplace safety](https://insureyourcompany.com/blog/tag/workplace-safety/)
- [workers' legal rights](https://insureyourcompany.com/blog/tag/workers-legal-rights/)
- [workplace injuries](https://insureyourcompany.com/blog/tag/workplace-injuries/)
- [independent](https://insureyourcompany.com/blog/tag/independent/)
- [retroactive dates](https://insureyourcompany.com/blog/tag/retroactive-dates/)
- [business insurance premiums](https://insureyourcompany.com/blog/tag/business-insurance-premiums/)
- [annual audits](https://insureyourcompany.com/blog/tag/annual-audits/)
- [workers' compensation audits](https://insureyourcompany.com/blog/tag/workers-compensation-audits/)
- [business insurance limits](https://insureyourcompany.com/blog/tag/business-insurance-limits/)
- [business insurance policies](https://insureyourcompany.com/blog/tag/business-insurance-policies/)
- [employer's liability insurance](https://insureyourcompany.com/blog/tag/employers-liability-insurance/)
- [injury and illness](https://insureyourcompany.com/blog/tag/injury-and-illness/)
- [social security disability insurance](https://insureyourcompany.com/blog/tag/social-security-disability-insurance/)
- [state disability insurance](https://insureyourcompany.com/blog/tag/state-disability-insurance/)
- [workers' compensation claims](https://insureyourcompany.com/blog/tag/workers-compensation-claims/)
- [customer complaints](https://insureyourcompany.com/blog/tag/customer-complaints/)
- [marketing](https://insureyourcompany.com/blog/tag/marketing/)
- [tech companies](https://insureyourcompany.com/blog/tag/tech-companies/)
- [employee safety](https://insureyourcompany.com/blog/tag/employee-safety/)
- [data breach](https://insureyourcompany.com/blog/tag/data-breach/)
- [business insurance deductibles](https://insureyourcompany.com/blog/tag/business-insurance-deductibles/)
- [business insurance quote](https://insureyourcompany.com/blog/tag/business-insurance-quote/)
- [insurance for start-ups](https://insureyourcompany.com/blog/tag/insurance-for-start-ups/)
- [Obamacare](https://insureyourcompany.com/blog/tag/obamacare/)
- [start-ups](https://insureyourcompany.com/blog/tag/start-ups/)
- [cyber liability insurance](https://insureyourcompany.com/blog/tag/cyber-liability-insurance/)
- [new business insurance](https://insureyourcompany.com/blog/tag/new-business-insurance/)
- [multi-generational workforce](https://insureyourcompany.com/blog/tag/multi-generational-workforce/)
- [intellectual property](https://insureyourcompany.com/blog/tag/intellectual-property/)
- [intellectual property claims](https://insureyourcompany.com/blog/tag/intellectual-property-claims/)
- [intellectual property insurance](https://insureyourcompany.com/blog/tag/intellectual-property-insurance/)
- [safety training](https://insureyourcompany.com/blog/tag/safety-training/)
- [additional insured](https://insureyourcompany.com/blog/tag/additional-insured/)
- [certificate of insurance](https://insureyourcompany.com/blog/tag/certificate-of-insurance/)
- [insurance policy](https://insureyourcompany.com/blog/tag/insurance-policy/)
- [insured endorsement](https://insureyourcompany.com/blog/tag/insured-endorsement/)
- [nj insurance agency](https://insureyourcompany.com/blog/tag/nj-insurance-agency/)
- [small business insurance](https://insureyourcompany.com/blog/tag/small-business-insurance/)
- [ACA Compliance](https://insureyourcompany.com/blog/tag/aca-compliance/)
- [employee](https://insureyourcompany.com/blog/tag/employee/)
- [cost of business insurance](https://insureyourcompany.com/blog/tag/cost-of-business-insurance/)
- [master subcontract agreements](https://insureyourcompany.com/blog/tag/master-subcontract-agreements/)
- [subcontractors](https://insureyourcompany.com/blog/tag/subcontractors/)
- [nj business insurance](https://insureyourcompany.com/blog/tag/nj-business-insurance/)
- [insurance for new businesses](https://insureyourcompany.com/blog/tag/insurance-for-new-businesses/)
- [insurance for restaurants](https://insureyourcompany.com/blog/tag/insurance-for-restaurants/)
- [restaurant insurance](https://insureyourcompany.com/blog/tag/restaurant-insurance/)
- [insurance for technology companies](https://insureyourcompany.com/blog/tag/insurance-for-technology-companies/)
- [fire prevention](https://insureyourcompany.com/blog/tag/fire-prevention/)
- [fire safety](https://insureyourcompany.com/blog/tag/fire-safety/)
- [business insurance agency](https://insureyourcompany.com/blog/tag/business-insurance-agency/)
- [business insurance broker](https://insureyourcompany.com/blog/tag/business-insurance-broker/)
- [insurance for landscapers](https://insureyourcompany.com/blog/tag/insurance-for-landscapers/)
- [landscaper insurance](https://insureyourcompany.com/blog/tag/landscaper-insurance/)
- [landscaping company insurance](https://insureyourcompany.com/blog/tag/landscaping-company-insurance/)
- [it contractors](https://insureyourcompany.com/blog/tag/it-contractors/)
- [prior acts coverage](https://insureyourcompany.com/blog/tag/prior-acts-coverage/)
- [company announcement](https://insureyourcompany.com/blog/tag/company-announcement/)
- [company news](https://insureyourcompany.com/blog/tag/company-news/)
- [InsureYourCompany.com Staff](https://insureyourcompany.com/blog/tag/insureyourcompany-com-staff/)
- [press release](https://insureyourcompany.com/blog/tag/press-release/)
- [workers' compensation fraud](https://insureyourcompany.com/blog/tag/workers-compensation-fraud/)
- [payroll](https://insureyourcompany.com/blog/tag/payroll/)
- [peo](https://insureyourcompany.com/blog/tag/peo/)
- [peo provider](https://insureyourcompany.com/blog/tag/peo-provider/)
- [professional employer organization](https://insureyourcompany.com/blog/tag/professional-employer-organization/)
- [excess liability insurance](https://insureyourcompany.com/blog/tag/excess-liability-insurance/)
- [growing your business](https://insureyourcompany.com/blog/tag/growing-your-business/)
- [updating your business insurance](https://insureyourcompany.com/blog/tag/updating-your-business-insurance/)
- [business insurance for fitness professionals](https://insureyourcompany.com/blog/tag/business-insurance-for-fitness-professionals/)
- [fitness professionals](https://insureyourcompany.com/blog/tag/fitness-professionals/)
- [home-based business](https://insureyourcompany.com/blog/tag/home-based-business/)
- [insurance for home businesses](https://insureyourcompany.com/blog/tag/insurance-for-home-businesses/)
- [proof of insurance](https://insureyourcompany.com/blog/tag/proof-of-insurance/)
- [completed project liability](https://insureyourcompany.com/blog/tag/completed-project-liability/)
- [contract liability](https://insureyourcompany.com/blog/tag/contract-liability/)
- [independent IT contractors](https://insureyourcompany.com/blog/tag/independent-it-contractors/)
- [personal injury to reputation](https://insureyourcompany.com/blog/tag/personal-injury-to-reputation/)
- [child care providers](https://insureyourcompany.com/blog/tag/child-care-providers/)
- [child care services insurance](https://insureyourcompany.com/blog/tag/child-care-services-insurance/)
- [daycare centers](https://insureyourcompany.com/blog/tag/daycare-centers/)
- [daycare insurance](https://insureyourcompany.com/blog/tag/daycare-insurance/)
- [hurricane insurance](https://insureyourcompany.com/blog/tag/hurricane-insurance/)
- [hurricane season](https://insureyourcompany.com/blog/tag/hurricane-season/)
- [new jersey small business](https://insureyourcompany.com/blog/tag/new-jersey-small-business/)
- [business insurance for cleaning companies](https://insureyourcompany.com/blog/tag/business-insurance-for-cleaning-companies/)
- [cleaning business](https://insureyourcompany.com/blog/tag/cleaning-business/)
- [cleaning service insurance](https://insureyourcompany.com/blog/tag/cleaning-service-insurance/)
- [janitorial services](https://insureyourcompany.com/blog/tag/janitorial-services/)
- [it](https://insureyourcompany.com/blog/tag/it/)
- [it professionals](https://insureyourcompany.com/blog/tag/it-professionals/)
- [National IT Professionals Day](https://insureyourcompany.com/blog/tag/national-it-professionals-day/)
- [technology professionals](https://insureyourcompany.com/blog/tag/technology-professionals/)
- [business equipment](https://insureyourcompany.com/blog/tag/business-equipment/)
- [business equipment insurance](https://insureyourcompany.com/blog/tag/business-equipment-insurance/)
- [insuring your business equipment](https://insureyourcompany.com/blog/tag/insuring-your-business-equipment/)
- [self-care tips for small business owners](https://insureyourcompany.com/blog/tag/self-care-tips-for-small-business-owners/)
- [annual business insurance review](https://insureyourcompany.com/blog/tag/annual-business-insurance-review/)
- [group health insurance for small businesses](https://insureyourcompany.com/blog/tag/group-health-insurance-for-small-businesses/)
- [providing group health insurance](https://insureyourcompany.com/blog/tag/providing-group-health-insurance/)
- [millennial employees](https://insureyourcompany.com/blog/tag/millennial-employees/)
- [millennials](https://insureyourcompany.com/blog/tag/millennials/)
- [owner](https://insureyourcompany.com/blog/tag/owner/)
- [Business Insurance claims](https://insureyourcompany.com/blog/tag/business-insurance-claims/)
- [insurance agency](https://insureyourcompany.com/blog/tag/insurance-agency/)
- [video](https://insureyourcompany.com/blog/tag/video/)
- [non-compete agreements](https://insureyourcompany.com/blog/tag/non-compete-agreements/)
- [tips for employers](https://insureyourcompany.com/blog/tag/tips-for-employers/)
- [d&o insurance](https://insureyourcompany.com/blog/tag/do-insurance/)
- [directors & officers liability insurance](https://insureyourcompany.com/blog/tag/directors-officers-liability-insurance/)
- [founder dependence](https://insureyourcompany.com/blog/tag/founder-dependence/)
- [key person insurance](https://insureyourcompany.com/blog/tag/key-person-insurance/)
- [Insurance Premoium](https://insureyourcompany.com/blog/tag/insurance-premoium/)
- [Minimum Earned Premium](https://insureyourcompany.com/blog/tag/minimum-earned-premium/)
- [national holiday](https://insureyourcompany.com/blog/tag/national-holiday/)
- [Stress Awareness Day](https://insureyourcompany.com/blog/tag/stress-awareness-day/)
- [stress relief](https://insureyourcompany.com/blog/tag/stress-relief/)
- [data disaster recovery](https://insureyourcompany.com/blog/tag/data-disaster-recovery/)
- [data recovery plan](https://insureyourcompany.com/blog/tag/data-recovery-plan/)
- [disaster preparedness](https://insureyourcompany.com/blog/tag/disaster-preparedness/)
- [disaster recovery](https://insureyourcompany.com/blog/tag/disaster-recovery/)
- [employee motivation](https://insureyourcompany.com/blog/tag/employee-motivation/)
- [financial advice for business owners](https://insureyourcompany.com/blog/tag/financial-advice-for-business-owners/)
- [overtime pay reform](https://insureyourcompany.com/blog/tag/overtime-pay-reform/)
- [employee health](https://insureyourcompany.com/blog/tag/employee-health/)
- [employee wellness programs](https://insureyourcompany.com/blog/tag/employee-wellness-programs/)
- [health incentives](https://insureyourcompany.com/blog/tag/health-incentives/)
- [hospital stay](https://insureyourcompany.com/blog/tag/hospital-stay/)
- [medical bills](https://insureyourcompany.com/blog/tag/medical-bills/)
- [1095 tax tips](https://insureyourcompany.com/blog/tag/1095-tax-tips/)
- [computer security](https://insureyourcompany.com/blog/tag/computer-security/)
- [computer security day](https://insureyourcompany.com/blog/tag/computer-security-day/)
- [financial advice](https://insureyourcompany.com/blog/tag/financial-advice/)
- [managing your cash flow](https://insureyourcompany.com/blog/tag/managing-your-cash-flow/)
- [small business cash flow](https://insureyourcompany.com/blog/tag/small-business-cash-flow/)
- [employee performance](https://insureyourcompany.com/blog/tag/employee-performance/)
- [improve employee performance](https://insureyourcompany.com/blog/tag/improve-employee-performance/)
- [client management](https://insureyourcompany.com/blog/tag/client-management/)
- [client relationships](https://insureyourcompany.com/blog/tag/client-relationships/)
- [customer relationships](https://insureyourcompany.com/blog/tag/customer-relationships/)
- [customer retention](https://insureyourcompany.com/blog/tag/customer-retention/)
- [customer service](https://insureyourcompany.com/blog/tag/customer-service/)
- [profitable customers](https://insureyourcompany.com/blog/tag/profitable-customers/)
- [hiring new employees](https://insureyourcompany.com/blog/tag/hiring-new-employees/)
- [human resources](https://insureyourcompany.com/blog/tag/human-resources/)
- [small business finances](https://insureyourcompany.com/blog/tag/small-business-finances/)
- [employee management tips](https://insureyourcompany.com/blog/tag/employee-management-tips/)
- [office management tips](https://insureyourcompany.com/blog/tag/office-management-tips/)
- [sexual harassment policy](https://insureyourcompany.com/blog/tag/sexual-harassment-policy/)
- [growing small business revenue](https://insureyourcompany.com/blog/tag/growing-small-business-revenue/)
- [small business revenue](https://insureyourcompany.com/blog/tag/small-business-revenue/)
- [setting goals](https://insureyourcompany.com/blog/tag/setting-goals/)
- [small business goals](https://insureyourcompany.com/blog/tag/small-business-goals/)
- [ACA repeal](https://insureyourcompany.com/blog/tag/aca-repeal/)
- [health care](https://insureyourcompany.com/blog/tag/health-care/)
- [ancillary benefits](https://insureyourcompany.com/blog/tag/ancillary-benefits/)
- [group dental insurance](https://insureyourcompany.com/blog/tag/group-dental-insurance/)
- [cyber threats](https://insureyourcompany.com/blog/tag/cyber-threats/)
- [insurance for it consultants](https://insureyourcompany.com/blog/tag/insurance-for-it-consultants/)
- [employee onboarding](https://insureyourcompany.com/blog/tag/employee-onboarding/)
- [stress relief tips](https://insureyourcompany.com/blog/tag/stress-relief-tips/)
- [EPLI](https://insureyourcompany.com/blog/tag/epli/)
- [networking tips](https://insureyourcompany.com/blog/tag/networking-tips/)
- [voluntary benefits](https://insureyourcompany.com/blog/tag/voluntary-benefits/)
- [small business social media](https://insureyourcompany.com/blog/tag/small-business-social-media/)
- [group life insurance](https://insureyourcompany.com/blog/tag/group-life-insurance/)
- [401k](https://insureyourcompany.com/blog/tag/401k/)
- [retirement](https://insureyourcompany.com/blog/tag/retirement/)
- [cyber security](https://insureyourcompany.com/blog/tag/cyber-security/)
- [home business](https://insureyourcompany.com/blog/tag/home-business/)
- [risk assessment](https://insureyourcompany.com/blog/tag/risk-assessment/)
- [risk management](https://insureyourcompany.com/blog/tag/risk-management/)
- [net neutrality](https://insureyourcompany.com/blog/tag/net-neutrality/)
- [net neutrality's affect on small businesses](https://insureyourcompany.com/blog/tag/net-neutralitys-affect-on-small-businesses/)
- [the internet and your small business](https://insureyourcompany.com/blog/tag/the-internet-and-your-small-business/)
- [how to start a business](https://insureyourcompany.com/blog/tag/how-to-start-a-business/)
- [new business checklist](https://insureyourcompany.com/blog/tag/new-business-checklist/)
- [starting a business](https://insureyourcompany.com/blog/tag/starting-a-business/)
- [ransomware](https://insureyourcompany.com/blog/tag/ransomware/)
- [crime bond](https://insureyourcompany.com/blog/tag/crime-bond/)
- [crime coverage](https://insureyourcompany.com/blog/tag/crime-coverage/)
- [employee theft](https://insureyourcompany.com/blog/tag/employee-theft/)
- [what to do about employee theft](https://insureyourcompany.com/blog/tag/what-to-do-about-employee-theft/)
- [employee retention](https://insureyourcompany.com/blog/tag/employee-retention/)
- [contract disputes](https://insureyourcompany.com/blog/tag/contract-disputes/)
- [employee risk management](https://insureyourcompany.com/blog/tag/employee-risk-management/)
- [team-building activities](https://insureyourcompany.com/blog/tag/team-building-activities/)
- [small business robbery](https://insureyourcompany.com/blog/tag/small-business-robbery/)
- [theft protection](https://insureyourcompany.com/blog/tag/theft-protection/)
- [data backup](https://insureyourcompany.com/blog/tag/data-backup/)
- [data backup strategies](https://insureyourcompany.com/blog/tag/data-backup-strategies/)
- [data protection](https://insureyourcompany.com/blog/tag/data-protection/)
- [small business data](https://insureyourcompany.com/blog/tag/small-business-data/)
- [customer service team](https://insureyourcompany.com/blog/tag/customer-service-team/)
- [small business apps](https://insureyourcompany.com/blog/tag/small-business-apps/)
- [small business owner](https://insureyourcompany.com/blog/tag/small-business-owner/)
- [hiring interns](https://insureyourcompany.com/blog/tag/hiring-interns/)
- [internship programs](https://insureyourcompany.com/blog/tag/internship-programs/)
- [internships](https://insureyourcompany.com/blog/tag/internships/)
- [building your online presence](https://insureyourcompany.com/blog/tag/building-your-online-presence/)
- [business website](https://insureyourcompany.com/blog/tag/business-website/)
- [WCBS Small Business Breakfast](https://insureyourcompany.com/blog/tag/wcbs-small-business-breakfast/)
- [business insurance lapse](https://insureyourcompany.com/blog/tag/business-insurance-lapse/)
- [renewing your business insurance](https://insureyourcompany.com/blog/tag/renewing-your-business-insurance/)
- [online reputation](https://insureyourcompany.com/blog/tag/online-reputation/)
- [reputation management](https://insureyourcompany.com/blog/tag/reputation-management/)
- [small business reputation](https://insureyourcompany.com/blog/tag/small-business-reputation/)
- [corporations](https://insureyourcompany.com/blog/tag/corporations/)
- [llc vs inc](https://insureyourcompany.com/blog/tag/llc-vs-inc/)
- [stakeholder relations](https://insureyourcompany.com/blog/tag/stakeholder-relations/)
- [first-time homeowners](https://insureyourcompany.com/blog/tag/first-time-homeowners/)
- [homeowner's insurance](https://insureyourcompany.com/blog/tag/homeowners-insurance/)
- [insurance for homeowners](https://insureyourcompany.com/blog/tag/insurance-for-homeowners/)
- [personal insurance](https://insureyourcompany.com/blog/tag/personal-insurance/)
- [personal lines](https://insureyourcompany.com/blog/tag/personal-lines/)
- [community outreach](https://insureyourcompany.com/blog/tag/community-outreach/)
- [give back to the community](https://insureyourcompany.com/blog/tag/give-back-to-the-community/)
- [local small business](https://insureyourcompany.com/blog/tag/local-small-business/)
- [bookkeeping](https://insureyourcompany.com/blog/tag/bookkeeping/)
- [small business bookkeeping](https://insureyourcompany.com/blog/tag/small-business-bookkeeping/)
- [auto insurance](https://insureyourcompany.com/blog/tag/auto-insurance/)
- [autonomous cars](https://insureyourcompany.com/blog/tag/autonomous-cars/)
- [self-driving cars](https://insureyourcompany.com/blog/tag/self-driving-cars/)
- [rental property](https://insureyourcompany.com/blog/tag/rental-property/)
- [rental property insurance](https://insureyourcompany.com/blog/tag/rental-property-insurance/)
- [renter's insurance](https://insureyourcompany.com/blog/tag/renters-insurance/)
- [how to take your small business global](https://insureyourcompany.com/blog/tag/how-to-take-your-small-business-global/)
- [internation expansion](https://insureyourcompany.com/blog/tag/internation-expansion/)
- [international small business](https://insureyourcompany.com/blog/tag/international-small-business/)
- [small business staffing](https://insureyourcompany.com/blog/tag/small-business-staffing/)
- [moving into an office](https://insureyourcompany.com/blog/tag/moving-into-an-office/)
- [small business growth](https://insureyourcompany.com/blog/tag/small-business-growth/)
- [small business competition](https://insureyourcompany.com/blog/tag/small-business-competition/)
- [small business marketing](https://insureyourcompany.com/blog/tag/small-business-marketing/)
- [company morale](https://insureyourcompany.com/blog/tag/company-morale/)
- [health and safety](https://insureyourcompany.com/blog/tag/health-and-safety/)
- [conflict mediation](https://insureyourcompany.com/blog/tag/conflict-mediation/)
- [conflict resolution](https://insureyourcompany.com/blog/tag/conflict-resolution/)
- [individual life insurance](https://insureyourcompany.com/blog/tag/individual-life-insurance/)
- [brick-and-mortar store](https://insureyourcompany.com/blog/tag/brick-and-mortar-store/)
- [ecommerce business](https://insureyourcompany.com/blog/tag/ecommerce-business/)
- [online store](https://insureyourcompany.com/blog/tag/online-store/)
- [opening a retail store](https://insureyourcompany.com/blog/tag/opening-a-retail-store/)
- [saving for retirement](https://insureyourcompany.com/blog/tag/saving-for-retirement/)
- [small business owner debt](https://insureyourcompany.com/blog/tag/small-business-owner-debt/)
- [student debt](https://insureyourcompany.com/blog/tag/student-debt/)
- [Form 941](https://insureyourcompany.com/blog/tag/form-941/)
- [self-employment](https://insureyourcompany.com/blog/tag/self-employment/)
- [tips for self-employed business owners](https://insureyourcompany.com/blog/tag/tips-for-self-employed-business-owners/)
- [expanding your business](https://insureyourcompany.com/blog/tag/expanding-your-business/)
- [small business owner tips](https://insureyourcompany.com/blog/tag/small-business-owner-tips/)
- [small business second location](https://insureyourcompany.com/blog/tag/small-business-second-location/)
- [drug testing](https://insureyourcompany.com/blog/tag/drug-testing/)
- [liability](https://insureyourcompany.com/blog/tag/liability/)
- [term life insurance](https://insureyourcompany.com/blog/tag/term-life-insurance/)
- [business organizations](https://insureyourcompany.com/blog/tag/business-organizations/)
- [organizational structure](https://insureyourcompany.com/blog/tag/organizational-structure/)
- [small business promotions](https://insureyourcompany.com/blog/tag/small-business-promotions/)
- [small business saturday](https://insureyourcompany.com/blog/tag/small-business-saturday/)
- [corporate culture](https://insureyourcompany.com/blog/tag/corporate-culture/)
- [office culture](https://insureyourcompany.com/blog/tag/office-culture/)
- [managing seasonal employees](https://insureyourcompany.com/blog/tag/managing-seasonal-employees/)
- [seasonal workers](https://insureyourcompany.com/blog/tag/seasonal-workers/)
- [protecting your home](https://insureyourcompany.com/blog/tag/protecting-your-home/)
- [tips for homeowners](https://insureyourcompany.com/blog/tag/tips-for-homeowners/)
- [small business collaboration](https://insureyourcompany.com/blog/tag/small-business-collaboration/)
- [main street cybersecurity act](https://insureyourcompany.com/blog/tag/main-street-cybersecurity-act/)
- [car theft](https://insureyourcompany.com/blog/tag/car-theft/)
- [personal auto insurance](https://insureyourcompany.com/blog/tag/personal-auto-insurance/)
- [challenges for the it industry](https://insureyourcompany.com/blog/tag/challenges-for-the-it-industry/)
- [information technology professionals](https://insureyourcompany.com/blog/tag/information-technology-professionals/)
- [personal renter's insurance](https://insureyourcompany.com/blog/tag/personal-renters-insurance/)
- [payroll services](https://insureyourcompany.com/blog/tag/payroll-services/)
- [avoiding insurance scams](https://insureyourcompany.com/blog/tag/avoiding-insurance-scams/)
- [starting a small business](https://insureyourcompany.com/blog/tag/starting-a-small-business/)
- [2018 olympics](https://insureyourcompany.com/blog/tag/2018-olympics/)
- [current events](https://insureyourcompany.com/blog/tag/current-events/)
- [insuring your family](https://insureyourcompany.com/blog/tag/insuring-your-family/)
- [dental practice](https://insureyourcompany.com/blog/tag/dental-practice/)
- [insurance for real estate brokers](https://insureyourcompany.com/blog/tag/insurance-for-real-estate-brokers/)
- [real estate brokers](https://insureyourcompany.com/blog/tag/real-estate-brokers/)
- [safe driving](https://insureyourcompany.com/blog/tag/safe-driving/)
- [HR tools](https://insureyourcompany.com/blog/tag/hr-tools/)
- [tools for business owners](https://insureyourcompany.com/blog/tag/tools-for-business-owners/)
- [family pets](https://insureyourcompany.com/blog/tag/family-pets/)
- [medical office](https://insureyourcompany.com/blog/tag/medical-office/)
- [must-have insurance policies](https://insureyourcompany.com/blog/tag/must-have-insurance-policies/)
- [employee health insurance](https://insureyourcompany.com/blog/tag/employee-health-insurance/)
- [law of success](https://insureyourcompany.com/blog/tag/law-of-success/)
- [tips for small business owners](https://insureyourcompany.com/blog/tag/tips-for-small-business-owners/)
- [hvac industry](https://insureyourcompany.com/blog/tag/hvac-industry/)
- [insurance for hvac companies](https://insureyourcompany.com/blog/tag/insurance-for-hvac-companies/)
- [small business auto insurance](https://insureyourcompany.com/blog/tag/small-business-auto-insurance/)
- [power of the mind](https://insureyourcompany.com/blog/tag/power-of-the-mind/)
- [success](https://insureyourcompany.com/blog/tag/success/)
- [nj small business](https://insureyourcompany.com/blog/tag/nj-small-business/)
- [small business spotlight](https://insureyourcompany.com/blog/tag/small-business-spotlight/)
- [advice for entrepreneurs](https://insureyourcompany.com/blog/tag/advice-for-entrepreneurs/)
- [self-confidence](https://insureyourcompany.com/blog/tag/self-confidence/)
- [time management](https://insureyourcompany.com/blog/tag/time-management/)
- [world cup](https://insureyourcompany.com/blog/tag/world-cup/)
- [business plan](https://insureyourcompany.com/blog/tag/business-plan/)
- [writing a business plan](https://insureyourcompany.com/blog/tag/writing-a-business-plan/)
- [office wellness](https://insureyourcompany.com/blog/tag/office-wellness/)
- [productivity tips](https://insureyourcompany.com/blog/tag/productivity-tips/)
- [staying active](https://insureyourcompany.com/blog/tag/staying-active/)
- [laws](https://insureyourcompany.com/blog/tag/laws/)
- [enthusiasm](https://insureyourcompany.com/blog/tag/enthusiasm/)
- [self control](https://insureyourcompany.com/blog/tag/self-control/)
- [small business tips](https://insureyourcompany.com/blog/tag/small-business-tips/)
- [marijuana legalization](https://insureyourcompany.com/blog/tag/marijuana-legalization/)
- [balance](https://insureyourcompany.com/blog/tag/balance/)
- [career](https://insureyourcompany.com/blog/tag/career/)
- [worklife](https://insureyourcompany.com/blog/tag/worklife/)
- [workload](https://insureyourcompany.com/blog/tag/workload/)
- [career advice](https://insureyourcompany.com/blog/tag/career-advice/)
- [career tips](https://insureyourcompany.com/blog/tag/career-tips/)
- [careers](https://insureyourcompany.com/blog/tag/careers/)
- [business tips](https://insureyourcompany.com/blog/tag/business-tips/)
- [dependants](https://insureyourcompany.com/blog/tag/dependants/)
- [health plan](https://insureyourcompany.com/blog/tag/health-plan/)
- [cooperative](https://insureyourcompany.com/blog/tag/cooperative/)
- [insurance score](https://insureyourcompany.com/blog/tag/insurance-score/)
- [holiday](https://insureyourcompany.com/blog/tag/holiday/)
- [macy's thanksgiving parade](https://insureyourcompany.com/blog/tag/macys-thanksgiving-parade/)
- [must know](https://insureyourcompany.com/blog/tag/must-know/)
- [parade](https://insureyourcompany.com/blog/tag/parade/)
- [thanksgiving](https://insureyourcompany.com/blog/tag/thanksgiving/)
- [tips](https://insureyourcompany.com/blog/tag/tips/)
- [new jersey](https://insureyourcompany.com/blog/tag/new-jersey/)
- [nj](https://insureyourcompany.com/blog/tag/nj/)
- [sick](https://insureyourcompany.com/blog/tag/sick/)
- [sick day](https://insureyourcompany.com/blog/tag/sick-day/)
- [sick leave](https://insureyourcompany.com/blog/tag/sick-leave/)
- [sick leave nj](https://insureyourcompany.com/blog/tag/sick-leave-nj/)
- [sick leave policy](https://insureyourcompany.com/blog/tag/sick-leave-policy/)
- [employee tips](https://insureyourcompany.com/blog/tag/employee-tips/)
- [health insurance 2019](https://insureyourcompany.com/blog/tag/health-insurance-2019/)
- [flexible spending](https://insureyourcompany.com/blog/tag/flexible-spending/)
- [health savings](https://insureyourcompany.com/blog/tag/health-savings/)
- [payroll taxes](https://insureyourcompany.com/blog/tag/payroll-taxes/)
- [pop plan](https://insureyourcompany.com/blog/tag/pop-plan/)
- [section 125](https://insureyourcompany.com/blog/tag/section-125/)
- [social security](https://insureyourcompany.com/blog/tag/social-security/)
- [Tax](https://insureyourcompany.com/blog/tag/tax/)
- [Tax plan](https://insureyourcompany.com/blog/tag/tax-plan/)
- [cold weather](https://insureyourcompany.com/blog/tag/cold-weather/)
- [damage](https://insureyourcompany.com/blog/tag/damage/)
- [freeze](https://insureyourcompany.com/blog/tag/freeze/)
- [freeze damage](https://insureyourcompany.com/blog/tag/freeze-damage/)
- [frozen pipes](https://insureyourcompany.com/blog/tag/frozen-pipes/)
- [home insurnace](https://insureyourcompany.com/blog/tag/home-insurnace/)
- [winter](https://insureyourcompany.com/blog/tag/winter/)
- [career growth](https://insureyourcompany.com/blog/tag/career-growth/)
- [grind](https://insureyourcompany.com/blog/tag/grind/)
- [hustle](https://insureyourcompany.com/blog/tag/hustle/)
- [organization](https://insureyourcompany.com/blog/tag/organization/)
- [succesful](https://insureyourcompany.com/blog/tag/succesful/)
- [arthritis](https://insureyourcompany.com/blog/tag/arthritis/)
- [business owner](https://insureyourcompany.com/blog/tag/business-owner/)
- [carpal tunnel](https://insureyourcompany.com/blog/tag/carpal-tunnel/)
- [desk job](https://insureyourcompany.com/blog/tag/desk-job/)
- [typing](https://insureyourcompany.com/blog/tag/typing/)
- [writing](https://insureyourcompany.com/blog/tag/writing/)
- [hair](https://insureyourcompany.com/blog/tag/hair/)
- [hair business](https://insureyourcompany.com/blog/tag/hair-business/)
- [manhattan salon](https://insureyourcompany.com/blog/tag/manhattan-salon/)
- [new jersey salon](https://insureyourcompany.com/blog/tag/new-jersey-salon/)
- [salon](https://insureyourcompany.com/blog/tag/salon/)
- [salon at manalapan](https://insureyourcompany.com/blog/tag/salon-at-manalapan/)
- [afford](https://insureyourcompany.com/blog/tag/afford/)
- [auto tips](https://insureyourcompany.com/blog/tag/auto-tips/)
- [car insurance](https://insureyourcompany.com/blog/tag/car-insurance/)
- [car tips](https://insureyourcompany.com/blog/tag/car-tips/)
- [fail](https://insureyourcompany.com/blog/tag/fail/)
- [failure](https://insureyourcompany.com/blog/tag/failure/)
- [succeed](https://insureyourcompany.com/blog/tag/succeed/)
- [insureyourcompany](https://insureyourcompany.com/blog/tag/insureyourcompany/)
- [international travel](https://insureyourcompany.com/blog/tag/international-travel/)
- [safe travels](https://insureyourcompany.com/blog/tag/safe-travels/)
- [travel](https://insureyourcompany.com/blog/tag/travel/)
- [travelling](https://insureyourcompany.com/blog/tag/travelling/)
- [car](https://insureyourcompany.com/blog/tag/car/)
- [insureyourcar](https://insureyourcompany.com/blog/tag/insureyourcar/)
- [new car](https://insureyourcompany.com/blog/tag/new-car/)
- [busisness owner](https://insureyourcompany.com/blog/tag/busisness-owner/)
- [consumer](https://insureyourcompany.com/blog/tag/consumer/)
- [customers](https://insureyourcompany.com/blog/tag/customers/)
- [essentials](https://insureyourcompany.com/blog/tag/essentials/)
- [get to know your customers](https://insureyourcompany.com/blog/tag/get-to-know-your-customers/)
- [knowledge](https://insureyourcompany.com/blog/tag/knowledge/)
- [products](https://insureyourcompany.com/blog/tag/products/)
- [growing](https://insureyourcompany.com/blog/tag/growing/)
- [growth](https://insureyourcompany.com/blog/tag/growth/)
- [high achiever](https://insureyourcompany.com/blog/tag/high-achiever/)
- [succcessful](https://insureyourcompany.com/blog/tag/succcessful/)
- [tolerance](https://insureyourcompany.com/blog/tag/tolerance/)
- [tolerate](https://insureyourcompany.com/blog/tag/tolerate/)
- [ring insurance](https://insureyourcompany.com/blog/tag/ring-insurance/)
- [wedding](https://insureyourcompany.com/blog/tag/wedding/)
- [wedding ceremony](https://insureyourcompany.com/blog/tag/wedding-ceremony/)
- [wedding day](https://insureyourcompany.com/blog/tag/wedding-day/)
- [wedding dress](https://insureyourcompany.com/blog/tag/wedding-dress/)
- [wedding insurance](https://insureyourcompany.com/blog/tag/wedding-insurance/)
- [wedding ring](https://insureyourcompany.com/blog/tag/wedding-ring/)
- [champion](https://insureyourcompany.com/blog/tag/champion/)
- [job](https://insureyourcompany.com/blog/tag/job/)
- [kindness](https://insureyourcompany.com/blog/tag/kindness/)
- [new job](https://insureyourcompany.com/blog/tag/new-job/)
- [the golden rule](https://insureyourcompany.com/blog/tag/the-golden-rule/)
- [cancel](https://insureyourcompany.com/blog/tag/cancel/)
- [cancelation](https://insureyourcompany.com/blog/tag/cancelation/)
- [canceling policy](https://insureyourcompany.com/blog/tag/canceling-policy/)
- [animal insurance](https://insureyourcompany.com/blog/tag/animal-insurance/)
- [insure](https://insureyourcompany.com/blog/tag/insure/)
- [insure your pet](https://insureyourcompany.com/blog/tag/insure-your-pet/)
- [pet](https://insureyourcompany.com/blog/tag/pet/)
- [pet insurance](https://insureyourcompany.com/blog/tag/pet-insurance/)
- [pets](https://insureyourcompany.com/blog/tag/pets/)
- [auto mobile](https://insureyourcompany.com/blog/tag/auto-mobile/)
- [cars](https://insureyourcompany.com/blog/tag/cars/)
- [canceling your policy](https://insureyourcompany.com/blog/tag/canceling-your-policy/)
- [insurance tips](https://insureyourcompany.com/blog/tag/insurance-tips/)
- [employment insurance](https://insureyourcompany.com/blog/tag/employment-insurance/)
- [insurance coverage](https://insureyourcompany.com/blog/tag/insurance-coverage/)
- [liquor](https://insureyourcompany.com/blog/tag/liquor/)
- [liquor insurance](https://insureyourcompany.com/blog/tag/liquor-insurance/)
- [liquor liability](https://insureyourcompany.com/blog/tag/liquor-liability/)
- [liquor license](https://insureyourcompany.com/blog/tag/liquor-license/)
- [fine print](https://insureyourcompany.com/blog/tag/fine-print/)
- [read the fine print](https://insureyourcompany.com/blog/tag/read-the-fine-print/)
- [about insureyourcompany.com](https://insureyourcompany.com/blog/tag/about-insureyourcompany-com/)
- [about us](https://insureyourcompany.com/blog/tag/about-us/)
- [insureyourcompany.com](https://insureyourcompany.com/blog/tag/insureyourcompany-com/)
- [many companies](https://insureyourcompany.com/blog/tag/many-companies/)
- [policy](https://insureyourcompany.com/blog/tag/policy/)
- [small buisness tips](https://insureyourcompany.com/blog/tag/small-buisness-tips/)
- [fitness](https://insureyourcompany.com/blog/tag/fitness/)
- [wellness](https://insureyourcompany.com/blog/tag/wellness/)
- [llc](https://insureyourcompany.com/blog/tag/llc/)
- [collector car](https://insureyourcompany.com/blog/tag/collector-car/)
- [job insurance](https://insureyourcompany.com/blog/tag/job-insurance/)
- [long term care](https://insureyourcompany.com/blog/tag/long-term-care/)
- [long term care policy](https://insureyourcompany.com/blog/tag/long-term-care-policy/)
- [protect your job](https://insureyourcompany.com/blog/tag/protect-your-job/)
- [company benefits](https://insureyourcompany.com/blog/tag/company-benefits/)
- [census](https://insureyourcompany.com/blog/tag/census/)
- [census information](https://insureyourcompany.com/blog/tag/census-information/)
- [census quote](https://insureyourcompany.com/blog/tag/census-quote/)
- [employer liability](https://insureyourcompany.com/blog/tag/employer-liability/)
- [Insurance Benefits](https://insureyourcompany.com/blog/tag/insurance-benefits/)
- [New York](https://insureyourcompany.com/blog/tag/new-york/)
- [New York City](https://insureyourcompany.com/blog/tag/new-york-city/)
- [New York State Insurance](https://insureyourcompany.com/blog/tag/new-york-state-insurance/)
- [audit](https://insureyourcompany.com/blog/tag/audit/)
- [fraud](https://insureyourcompany.com/blog/tag/fraud/)
- [fraud audit](https://insureyourcompany.com/blog/tag/fraud-audit/)
- [fraudulent inducement](https://insureyourcompany.com/blog/tag/fraudulent-inducement/)
- [insurance fraud](https://insureyourcompany.com/blog/tag/insurance-fraud/)
- [entrepreneur](https://insureyourcompany.com/blog/tag/entrepreneur/)
- [work comp](https://insureyourcompany.com/blog/tag/work-comp/)
- [business owner responsibilties](https://insureyourcompany.com/blog/tag/business-owner-responsibilties/)
- [commercial insurance](https://insureyourcompany.com/blog/tag/commercial-insurance/)
- [coronavirus](https://insureyourcompany.com/blog/tag/coronavirus/)
- [covid](https://insureyourcompany.com/blog/tag/covid/)
- [covid-19](https://insureyourcompany.com/blog/tag/covid-19/)
- [work from home](https://insureyourcompany.com/blog/tag/work-from-home/)
- [working remotely](https://insureyourcompany.com/blog/tag/working-remotely/)
- [video conference](https://insureyourcompany.com/blog/tag/video-conference/)
- [zoom](https://insureyourcompany.com/blog/tag/zoom/)
- [social media](https://insureyourcompany.com/blog/tag/social-media/)
- [covid-19 reopening](https://insureyourcompany.com/blog/tag/covid-19-reopening/)
- [ignite llc personal training](https://insureyourcompany.com/blog/tag/ignite-llc-personal-training/)
- [our employees](https://insureyourcompany.com/blog/tag/our-employees/)
- [quarentine](https://insureyourcompany.com/blog/tag/quarentine/)
- [video series](https://insureyourcompany.com/blog/tag/video-series/)
- [workout](https://insureyourcompany.com/blog/tag/workout/)
- [covid-19 safety tips](https://insureyourcompany.com/blog/tag/covid-19-safety-tips/)
- [business operations](https://insureyourcompany.com/blog/tag/business-operations/)
- [industry projections](https://insureyourcompany.com/blog/tag/industry-projections/)
- [insurance industry](https://insureyourcompany.com/blog/tag/insurance-industry/)
- [insureyourhome](https://insureyourcompany.com/blog/tag/insureyourhome/)
- [meet the team](https://insureyourcompany.com/blog/tag/meet-the-team/)
- [history of insurance](https://insureyourcompany.com/blog/tag/history-of-insurance/)
- [charity](https://insureyourcompany.com/blog/tag/charity/)
- [cleaning products](https://insureyourcompany.com/blog/tag/cleaning-products/)
- [food drive](https://insureyourcompany.com/blog/tag/food-drive/)
- [giving back](https://insureyourcompany.com/blog/tag/giving-back/)
- [fire](https://insureyourcompany.com/blog/tag/fire/)
- [covid-19 business changes](https://insureyourcompany.com/blog/tag/covid-19-business-changes/)
- [content creation](https://insureyourcompany.com/blog/tag/content-creation/)
- [CARES act](https://insureyourcompany.com/blog/tag/cares-act/)
- [unemployment](https://insureyourcompany.com/blog/tag/unemployment/)
- [insurance agent](https://insureyourcompany.com/blog/tag/insurance-agent/)
- [occupational illness](https://insureyourcompany.com/blog/tag/occupational-illness/)
- [federal loan program](https://insureyourcompany.com/blog/tag/federal-loan-program/)
- [tax relief funds](https://insureyourcompany.com/blog/tag/tax-relief-funds/)
- [economic injury disaster loans](https://insureyourcompany.com/blog/tag/economic-injury-disaster-loans/)
- [lunch break](https://insureyourcompany.com/blog/tag/lunch-break/)
- [virtual water cooler](https://insureyourcompany.com/blog/tag/virtual-water-cooler/)
- [volunteering](https://insureyourcompany.com/blog/tag/volunteering/)
- [hobbies](https://insureyourcompany.com/blog/tag/hobbies/)
- [semi truck](https://insureyourcompany.com/blog/tag/semi-truck/)
- [truck](https://insureyourcompany.com/blog/tag/truck/)
- [action over](https://insureyourcompany.com/blog/tag/action-over/)
- [coverage](https://insureyourcompany.com/blog/tag/coverage/)
- [lawyer](https://insureyourcompany.com/blog/tag/lawyer/)
- [ncaa](https://insureyourcompany.com/blog/tag/ncaa/)
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- [General liability insurance coverage](https://insureyourcompany.com/blog/tag/general-liability-insurance-coverage/)
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- [cybersecurity solutions for small businesses](https://insureyourcompany.com/blog/tag/cybersecurity-solutions-for-small-businesses/)
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- [Non-owned auto insurance coverage](https://insureyourcompany.com/blog/tag/non-owned-auto-insurance-coverage/)
- [Insurance Solutions for Tech & Small Business](https://insureyourcompany.com/blog/tag/insurance-solutions-for-tech-small-business/)
- [Best Insurance services for tech companies](https://insureyourcompany.com/blog/tag/best-insurance-services-for-tech-companies/)
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- [Homeowner Insurance Benefits](https://insureyourcompany.com/blog/tag/homeowner-insurance-benefits/)
- [home owners insurance company](https://insureyourcompany.com/blog/tag/home-owners-insurance-company/)
- [top home insurance providers](https://insureyourcompany.com/blog/tag/top-home-insurance-providers/)
- [best affordable homeowners insurance Company](https://insureyourcompany.com/blog/tag/best-affordable-homeowners-insurance-company/)
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- [Home Insurance Savings](https://insureyourcompany.com/blog/tag/home-insurance-savings/)
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- [Auto Insurance is your trusted Partner](https://insureyourcompany.com/blog/tag/auto-insurance-is-your-trusted-partner/)
- [Full-coverage auto insurance plans](https://insureyourcompany.com/blog/tag/full-coverage-auto-insurance-plans/)
- [Save on auto insurance premiums](https://insureyourcompany.com/blog/tag/save-on-auto-insurance-premiums/)
- [Affordable auto insurance](https://insureyourcompany.com/blog/tag/affordable-auto-insurance/)
- [Insurance provider comparison](https://insureyourcompany.com/blog/tag/insurance-provider-comparison/)
- [auto insurance service provider](https://insureyourcompany.com/blog/tag/auto-insurance-service-provider/)
- [auto owner insurance company](https://insureyourcompany.com/blog/tag/auto-owner-insurance-company/)
- [best vehicle insurance company](https://insureyourcompany.com/blog/tag/best-vehicle-insurance-company/)
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- [startup risks](https://insureyourcompany.com/blog/tag/startup-risks/)
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- [What Is Business Insurance](https://insureyourcompany.com/blog/tag/what-is-business-insurance/)
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- [What Is Product Recall Insurance](https://insureyourcompany.com/blog/tag/what-is-product-recall-insurance/)
- [Product recall insurance coverage](https://insureyourcompany.com/blog/tag/product-recall-insurance-coverage/)
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- [Benefits of key person disability insurance](https://insureyourcompany.com/blog/tag/benefits-of-key-person-disability-insurance/)
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- [Errors & Omissions Insurance For Small Business](https://insureyourcompany.com/blog/tag/errors-omissions-insurance-for-small-business/)
- [Benefits of Cyber Liability Insurance](https://insureyourcompany.com/blog/tag/benefits-of-cyber-liability-insurance/)
- [Cyber Liability Insurance Benefits](https://insureyourcompany.com/blog/tag/cyber-liability-insurance-benefits/)
- [Cyber attack costs for small businesses](https://insureyourcompany.com/blog/tag/cyber-attack-costs-for-small-businesses/)
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- [Auto risk management](https://insureyourcompany.com/blog/tag/auto-risk-management/)
- [auto insurance services](https://insureyourcompany.com/blog/tag/auto-insurance-services/)
- [Non-fleet commercial auto insurance](https://insureyourcompany.com/blog/tag/non-fleet-commercial-auto-insurance/)
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- [key employee protection](https://insureyourcompany.com/blog/tag/key-employee-protection/)
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- [Workers Comp Insurance in New Jersey](https://insureyourcompany.com/blog/tag/workers-comp-insurance-in-new-jersey/)
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- [Tech Company Insurance](https://insureyourcompany.com/blog/tag/tech-company-insurance/)
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- [Commercial Auto](https://insureyourcompany.com/blog/tag/commercial-auto/)
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- [Independent Contractor Insurance](https://insureyourcompany.com/blog/tag/independent-contractor-insurance/)
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- [Freelancer insurance guide](https://insureyourcompany.com/blog/tag/freelancer-insurance-guide/)
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- [10 Pitfalls To Avoid in Cyber Insurance](https://insureyourcompany.com/blog/tag/10-pitfalls-to-avoid-in-cyber-insurance/)
- [Avoiding Cyber Insurance Claim Pitfalls](https://insureyourcompany.com/blog/tag/avoiding-cyber-insurance-claim-pitfalls/)
- [cyber insurance pitfalls](https://insureyourcompany.com/blog/tag/cyber-insurance-pitfalls/)
- [common mistakes in cyber insurance](https://insureyourcompany.com/blog/tag/common-mistakes-in-cyber-insurance/)
- [cyber insurance coverage gaps](https://insureyourcompany.com/blog/tag/cyber-insurance-coverage-gaps/)
- [cyber insurance exclusions](https://insureyourcompany.com/blog/tag/cyber-insurance-exclusions/)
- [avoid cyber insurance mistakes](https://insureyourcompany.com/blog/tag/avoid-cyber-insurance-mistakes/)
- [Difference Between Tech E&O and Cyber Insurance](https://insureyourcompany.com/blog/tag/difference-between-tech-eo-and-cyber-insurance/)
- [Technology errors and omissions (E&O)](https://insureyourcompany.com/blog/tag/technology-errors-and-omissions-eo/)
- [errors and omissions insurance for small business](https://insureyourcompany.com/blog/tag/errors-and-omissions-insurance-for-small-business/)
- [Best Cyber Liability Insurance](https://insureyourcompany.com/blog/tag/best-cyber-liability-insurance/)
- [Who Needs HNOA Coverage](https://insureyourcompany.com/blog/tag/who-needs-hnoa-coverage/)
- [HNOA insurance coverage](https://insureyourcompany.com/blog/tag/hnoa-insurance-coverage/)
- [industries that require HNOA coverage](https://insureyourcompany.com/blog/tag/industries-that-require-hnoa-coverage/)
- [hired and non-owned auto insurance use cases](https://insureyourcompany.com/blog/tag/hired-and-non-owned-auto-insurance-use-cases/)
- [business liability with non-owned vehicles](https://insureyourcompany.com/blog/tag/business-liability-with-non-owned-vehicles/)
- [Key Insurance Policies Every Small Business](https://insureyourcompany.com/blog/tag/key-insurance-policies-every-small-business/)
- [small business insurance coverage](https://insureyourcompany.com/blog/tag/small-business-insurance-coverage/)
- [insurance to protect business assets](https://insureyourcompany.com/blog/tag/insurance-to-protect-business-assets/)
- [employee protection insurance for small business](https://insureyourcompany.com/blog/tag/employee-protection-insurance-for-small-business/)
- [types of insurance every small business needs](https://insureyourcompany.com/blog/tag/types-of-insurance-every-small-business-needs/)
- [Professional Liability Insurance for Healthcare Startups](https://insureyourcompany.com/blog/tag/professional-liability-insurance-for-healthcare-startups/)
- [Medical Malpractice Insurance for Startups](https://insureyourcompany.com/blog/tag/medical-malpractice-insurance-for-startups/)
- [Healthcare Startup Risk Management](https://insureyourcompany.com/blog/tag/healthcare-startup-risk-management/)
- [Liability coverage for healthcare professionals](https://insureyourcompany.com/blog/tag/liability-coverage-for-healthcare-professionals/)
- [Restaurant Business Insurance Coverage](https://insureyourcompany.com/blog/tag/restaurant-business-insurance-coverage/)
- [Business Continuity Insurance for Restaurants](https://insureyourcompany.com/blog/tag/business-continuity-insurance-for-restaurants/)
- [Understanding Workers’ Compensation Insurance](https://insureyourcompany.com/blog/tag/understanding-workers-compensation-insurance/)
- [Workers’ Compensation Benefits](https://insureyourcompany.com/blog/tag/workers-compensation-benefits/)