Compliance Reminders for Businesses

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Employers should regularly review their compliance with federal, state, and local employment laws. Here are some areas to keep in mind during 2024.

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Covering Losses with Business Interruption Insurance

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Standard property insurance provides coverage for physical damage and losses such as fire-damaged furniture or stolen equipment. It assists in covering the expenses associated with rebuilding or replacing damaged property.

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Sole Proprietors and Partners Not Always Covered by Workers’ Comp

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Ensure you know the situation: Sole Proprietors and Partnerships must elect proper insurance coverage to safeguard themselves. Don’t overlook this crucial protection – it’s your livelihood at stake. For other businesses, verify coverage status to avoid potential premium hikes in audits.

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Reducing Risks to your Business Vehicles

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Whether you possess a single business car or manage an entire fleet of commercial vehicles, obtaining commercial auto insurance is imperative. Consult with your insurance professional to assess your risks and explore suitable coverage options.

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Is Your Business Prepared to Survive a Disaster?

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A prepared action plan is vital for business continuity during severe storms that cause power outages and flooding. FEMA reports that 40% of businesses fail to reopen after disasters, emphasizing proactive preparation for financial recovery and operational continuity.

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Insuring Your Home-Based Business

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If you’re running a business from home, it’s crucial to assess your risks and determine your insurance needs, whether it’s a part-time, seasonal, or full-time operation. Starting a business from home can be challenging, but having the right insurance gives you a safety net and lets you breathe easily amidst the challenges.

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Cyber Risk…Cyber Security

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The escalating threat of cyber security crimes and the heightened risk of data breaches underscore the pressing need for businesses to address and mitigate these risks. Despite the challenges posed by rapid changes, proactive identification and management of cyber risks are possible through effective prevention efforts and careful planning, offering a pathway to safeguard your company.

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Workers’ Compensation Insurance: 3 Key Factors to Consider

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Workers’ Compensation Insurance, commonly known as “Workers’ Comp,” provides vital financial support to employees who sustain work-related injuries or illnesses, covering medical expenses and compensating for lost wages during recovery periods. In Massachusetts, it’s mandatory for all organizations with employees, regardless of size or the number of employees working across state lines, ensuring comprehensive protection for the workforce.

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Massachusetts Snow Removal Laws and Liability

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Winter is underway and we’ve already had the first snow fall of the season. If you own residential or commercial property, it’s essential to understand your legal responsibilities regarding snow removal. The state you live in has laws that dictate snow removal and in many cases, your city or town may have local ordinances or by-laws that further define snow and ice removal responsibilities.

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9 Tips For Buying and Saving on Commercial Auto Insurance

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If your business needs commercial auto insurance whether it’s for a single vehicle or a whole fleet, you will want commercial insurance that is both affordable as well as provides proper protection. Here are a several tips for buying commercial auto insurance that will help you manage costs but at the same time ensure that you’re properly protected.

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