Approximately 42 million Americans are classified as independent contractors, freelancers or self-employed. That’s around one in three. By 2020, estimates are that at least half of the population could be working for themselves. There are many reasons why people have turned to this work model, including flexibility and healthcare portability. However, many self-employed individuals are so caught up in the excitement of starting their business and the day-to-day tasks of running it, that th...

Injuries are an unfortunate part of everyday life. Slips, falls and drops are a given when it comes to opening your doors and allowing people into your store. Even though you do your best to make sure the store is as safe as possible, accidents are bound to happen. It’s important to make sure that all employees and managers know what to do in case of an accident. 1. Clear the Area People tend to crowd around when something out of the ordinary happens. Keep others clear of the area,...

Accidents happen, most of the time in the most unexpected way. Say a guest slips in your restaurant and twists their ankle. You call for medical assistance immediately, but the guest is furious and doesn’t want to pay for the medical expenses. What do you do?  Every business should have general liability as part of their insurance policy. This coverage provides compensation for bodily injury or physical damage you may directly or indirectly cause to someone else. It offers medical ...