Sunday, May 29, 2016

Environmental Job Killer Bills Explanation at CalChamber Capitol Summit

CalChamber Policy Advocate Anthony Samson reviews the impact of pending legislation assaulting in-state energy production (AB 1882; Williams; D-Santa Barbara) and making the hazardous waste permitting process unworkable (SB 654; de León; D-Los Angeles) at the CalChamber Capitol Summit on May 17.

Thursday, May 26, 2016

Are Small Businesses Too Lax About Cybersecurity?

Small business needs to get serious about cybersecurity—especially since most have already been victims of a cyberattack.

Monday, May 23, 2016

The i's On Insurance: [Not So Risky] Business

Being an entrepreneur makes you the boss! But along with getting to choose your own hours, location, and business plan, it also means that you're responsible for a lot of other things, like commercial business insurance. There's a lot more to business insurance than getting the lowest business insurance quotes. It means understanding your business's unique needs and the potential hazards that can threaten its success.

"The I's on Insurance: [Not So Risky] Business" instructs you on the ins and outs of small business insurance—including coverage for business disruption, theft/loss, and business liability insurance. Why not spend a couple of minutes learning about the different types of business insurance to make it easier to have a productive discussion with your business insurance agent or broker.

Friday, May 20, 2016

Small Business Prepares for New Overtime Rule | NFIB

NFIB predicts 44% of small businesses will be impacted by the Dept. of Labor’s new overtime rule. Beth Milito of the NFIB Small Business Legal Center discusses the parameters of the new rule and how it will impact small business. Learn more:

Tuesday, May 17, 2016

Informed Citizen: What To Do In Case Of An Auto Accident!

The Informed Citizen explains what to do if you're involved in an auto accident.

Learn more at the Insurance Information Institute at

Saturday, May 14, 2016

SBET, The Proposed Overtime Rule, & Election Update

This week (5.13.2016) in small business, an update on the moderate increase in April's Small Business Optimism Index (SBET). It is only the first increase in 2016. Also, more on the Department of Labor's proposed overtime rule and its negative impact on small businesses and in election news, Senator Bernie Sanders upset over Hilary Clinton in West Virginia and Nebraska state presidential primaries. For more on election news visit

Wednesday, May 11, 2016

Losing Entire Home To Fire, Family Rebuilds With Fire Sprinklers

Michelle Allyn and her daughters watched helplessly as a fire destroyed their home and most of their belongings. A key component to piecing their lives back together was rebuilding their home with a key safety feature--home fire sprinklers.

The family now promotes this technology via NFPA's Faces of Fire Campaign, which underscores the devastating reality of home fires and the power home fire sprinklers have in protecting lives.

Thursday, May 5, 2016

Cinco De Mayo Margarita Cupcakes

Sarah Carey makes Cinco De Mayo inspired Margarita Cupcakes with a tangy lime curd, this tequila infused dessert is perfect for any lively celebration, give it a try!

Monday, May 2, 2016

Understanding Contractor Insurance

Almost all companies, regardless of their size or trade, are lawfully required to carry adequate insurance policies. This is true for huge corporations or tiny enterprises, and is equally as effective for each. Covering potential eventualities is obviously what insurance itself is based on, and in the modern day business world or networking, competing and exchanging, the need for professional insurance is vast.

When discussing contractors, the aspect of insurance is often overlooked, and the importance of contractor's carrying cover is often underestimated. Many are practically unaware of what contractors actually are, some treating them as glorified employees or simply umbrella company operatives. To shed a bit of light on this however, contractors are fundamentally business owners, and because of this, contractors require small business insurance policies perhaps unknowingly by others.

Take Employer's Liability Insurance for example, a policy that is actually often required by law to be purchased by a company. Effectively, this policy covers a company against claims of injury or accident caused to any employees of that company due to a situation arising as a result of their employment. This basically means that if an employee gets hurt whilst at work because they were doing their job, the insurance would then cover the company. So, taking into consideration the fact that our nation's contractors are in fact business owners (and not simply overpaid employees) the need for a policy such as Employer's Liability Insurance suddenly becomes apparent.

Obviously contractors are not your usual business enterprise, they commonly do not have a hefty work force, they rarely work from a static office and they do not drive a van labelled 'Larry LTD'. This being said, contractors are still working through limited companies, therefore they are in fact a business, and it is this point that must be made known. Employer's Liability Insurance may seem like a pointless purchase for contractors by some, but often sole traders do in fact employ others through their companies. Take the previously mentioned and very much fictitious 'Larry LTD' as an example. This company would work as a limited company, and Larry would be hired on behalf of his company by businesses requiring his expertise. Obviously at this point, Employer's liability insurance would not be particularly necessary, but when you mention the fact that 'Larry LTD' employ's Larry's wife to oversee his finances, the situation changes (regarding mandatory insurances). Because the company now has an employee of sorts, the existence of employer's liability cover becomes essential, not only because it would cover any potential eventualities, but because companies are lawfully required to carry the policy if there are any other people working for the company.

Contractor insurance is a subject that unless working within the contracting field, is rather unknown. Although you may argue that this is as it should be, many professionals who are new to the contracting game are often stumped as to which insurances are necessary, and which they should be purchasing.

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