Workplace safety is now a vital issue in every office. Aside from the ethics of keeping your employees safe, company owners now understand that even a relatively minor injury can place the business in financial difficulties.
Unsurprisingly, safety isn't a high priority among entrepreneurs and small business owners. Some employers believe that insurance is enough to cover hurt workers while others think you have to spend a lot of money to keep the office safe.
Luckily, there's a happy middle ground where you can keep your employees safe without breaking your budget. Here are some suggestions:
Most companies know about the usual types of business insurance, like general liability or workers compensation insurance. However, small business owners or entrepreneurs might have to bolster conventional insurance plans with policies designed to safeguard businesses from uncommon, but real, risks.
Here are three lesser-known business insurance policies that can benefit a small business owner or a starting entrepreneur:
Traveling to another country is probably the most gratifying and exciting thing you can experience. You get to see and experience the unique cultures that make the world such a great place. Unfortunately, there's also the possibility that you might have some less than memorable experiences. One study revealed that 33 percent of identity theft happened while people were traveling.
There's no need to be afraid of traveling. With proper planning, you can enjoy your journey with a peace of mind. Here are five ways on how to go about it.
With today’s emphasis on corporate transparency, an organization’s directors and officers face a countless number of exposures. Regardless of your company’s size or mission, the legal costs associated with a lawsuit can be crippling for both the organization and your directors and officers.
Many wrongly assume that directors and officers (D&O) insurance is only necessary for publicly traded companies. However, privately help organizations can just as easily fall victim to lawsuits that can impact the company, its officers and board, making D&O insurance a must. Specifically, D&O insurance can provide the following benefits to privately held companies:
Many private organizations don’t believe they need D&O insurance. This can be dangerous thinking, as just one D&O claim can drain the personal assets of a company’s leadership team. To learn more about D&O insurance, contact First Iowa Insurance Agency at 319-393-5262.
© 2018 Zywave, Inc. All rights reserved.
Each company has a different take on giving their employees benefits. Some might come out generous and other might not be. Yet, no matter what, employees are the ones to decide whether they want to accept a job in the office.
Benefits are usually laid down during the hiring process. If you are an applicant and wanted to make sure that you will be getting the benefits that will be a big help to you, do not hesitate to ask that question to the hiring officer.
Most benefits are flexible by the employee especially if you are a sought-asset to the company. But, to give you an idea of the most-sought benefits by workers, here are some you might be familiar with:
If you have been an employee in your company for years now, you might wonder when exactly you can get a raise. A lot of workers are hesitant to ask their employers to increase their wages because they fear it can get rejected, it will create a wrong impression or worst, they would be evaluated differently.
But, if you know that you are a hard worker and have been a good employee, do not stop yourself from getting a salary you deserve. Employers are more likely to give it to you even without asking if they know that you are performing well and a good asset to the company.
Most people think being rich is the only thing in the world that will make them happy. Some fill their days with loads of tasks and incomparable hours at work to be successful in their chosen career and eventually call them self, happy.
But not many people understand is that happiness does not come from purchasing things. Sometimes, it comes from the little things in life. If you think you are not making the most out of your life, here are ways to help you:
Lyme disease is a bacterium that’s often carried by mice and other small rodents. The disease can be transmitted to humans if they’re bitten by a tick that previously fed off an infected animal.
Different types of ticks live in the United States and while some can transmit diseases, others are only a nuisance. In general, infected blacklegged ticks can transmit the bacterium that causes Lyme disease.
Symptoms of Lyme disease typically develop within two weeks of a tick bite and can include fevers, chills, swollen lymph nodes, neck stiffness, fatigue, headaches, and joint or muscle aches.
To avoid contracting Lyme disease, do the following:
© 2018 Zywave, Inc. All rights reserved
Business may vary and they have different needs than another. Making sure that you understand what your business needs is a must to get the right policy and live by it.
A lot of insurance provider can suggest what type of business insurance coverage you should consider. Beyond it, as a business owner, you should thoroughly examine what your business might need not just at the moment but in the future.
Getting an insurance policy is a risk management tool you can do for your enterprise. It acts as your business’s safety net in case something unexpected happens. If you are still thinking of reasons why you should insure your business, here are reasons you might want to ponder on: