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Are your independent contractors really employees? 17 “Tests” to Decide: Employee or Independent Contractor “I don't have any employees; they are all independent contractors." “What makes them independent contractors," the agent asks. “I pay them using a 1099." READ MORE >>

What is Dealers Open Lot Insurance?  Do I need it for my Dealership? Dealers’ open lot, also known as auto physical damage coverage, provides physical damage coverage for vehicles owned by a dealership. As an important part of garage insurance, it is different from general liability or business property insurance. READ MORE >>

Protect Your Business, What You Need To Know About Subcontractor Insurance Coverage. If you face a claim related to work done by your subcontractor, you don’t want to find out too late that your insurance policy won’t pay. READ MORE >>

INSURANCE FOR NEW & USED CAR DEALERS Owning an auto dealership can be lucrative yet stressful. You have to keep track of supply and demand, advertising, employee morale, incentives, customer services and more. Unexpected problems and hazards can arise that put your business at risk of financial ruin. READ MORE >>

Piece by piece: The state of affairs in the construction industry The industry hasn't changed too much, but the biggest challenge is finding skilled labor due to a number of factors. By Denny Jacob | May 14, 2018 at 07:00 AM   READ MORE >>

How to help employees deal with cyber theft When it comes to dealing with identity theft and fraud, consumers need more education and they need the right people on their side to deal with it as quickly and painlessly as possible. Data breaches are happening at a record pace these days, making identity theft and fraud seem practically inevitable. READ MORE >>

Halloween Safety Tips     Fall celebrations like Halloween and Harvest Day are fun times for children, who can dress up in costumes, enjoy parties, and eat yummy treats. These celebrations also provide a chance to give out healthy snacks, get physical activity, and focus on safety. READ MORE >>

Autumn Wellness Rituals There’s something so wonderful about the cool air that comes with the first weeks of fall. Like clockwork, those crisp mornings signal some primal rhythm in me. Hunt, gather, slow down. Start to crave citrus, warm tea, hot baths, and five more minutes under the covers. READ MORE >>

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Part 3- What You Need to Know About Insuring Your Business Cost of Insurance How much will your insurance cost? That question is difficult to answer. The price you pay for a policy is determined by a variety of factors. Here are some of them: Nature of Your Business: Rates vary widely across industries. READ MORE >>

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