Business continuity

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Whether you're just starting your business or have been running it for years, understanding the types of insurance your business may need is critical to managing risk. Two of the most common forms of business insurance are general liability and professional liability. While they may sound similar, they address different types of exposures and serve distinct purposes.
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Business travelers, and the travel managers who plan for them, have different concerns when it comes to addressing unexpected inconveniences. Corporate travel insurance policies can be a great fit for any business looking to mitigate expenses related to company travel, including non-refundable costs associated with emergency flight or hotel changes, necessary medical treatments for traveling employees, and equipment or property loss. While canceled flights, missed connections, baggage delays, and medical emergencies are difficult for any traveler, there are unique considerations for corporate travelers and specific provisions for the business travel insurance policies that cover them.
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Recently, we covered the basics of commercial umbrella insurance: What is it, and is it right for your business? This month, we'll get into a few more details, and look at some of the instances in which commercial umbrella insurance might apply.
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All business owners in New York need solid, affordable insurance, and many companies require multiple types. But what happens when something goes wrong and your insurance doesn't cover it? If the cost to pay for injury to others exceeds your policy limits, or worse, is excluded by the insurance policies you have, you could be stuck with potentially crippling out-of-pocket costs.
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Training employees can be costly and time-consuming. Even if you don't work in an industry with a high turnover rate, we now live in an era where many people switch careers multiple times in their lifetime, making it harder to find employees you can really nurture and invest in the long term. So how do you decide how much time, money, and energy to invest in training new employees? Consider these things to help you decide how to develop your workforce in a way that makes the most sense for your business.
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If you're a small business owner, chances are the pandemic has been especially tough on you and your family. You may have had to change your business model, lay off employees or worse, close up shop indefinitely. But what about your employees? If you're a small business owner looking to support your staff through the pandemic, here's what you need to know.
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A comprehensive business insurance policy is a must for any business owner. But under what circumstances do you need to take another look at that policy and make important adjustments? Here are some instances when it would be a good idea to revisit your business insurance plan and add to, or change, your coverage.
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For business owners, operating during a pandemic is complicated to say the least. You want to do the right thing by your staff and customers, without losing the business you love. In many cases, there is a lot you can do to make patronizing and working at your business safer for everyone.
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Owning a business means that you're responsible and often liable for the welfare of your staff and clients. Winter can bring extra hazards and increase the possibility of accidents and injury.
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Many employers take the time and effort to follow through with employee reviews, while others let this annual tradition slide. Annual performance reviews can be excruciating, productive, or somewhere in between. So what makes the difference? What makes an annual review effective, and how can both employers and employees can prepare to get the best possible outcome?
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Some small business owners in New York can hardly keep apace with the holiday rush; other businesses slow down to a near crawl during this time of the year. So how do you make the most of the season, regardless of which end of the spectrum you're on?
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It's that time of year when high school and college students are out of school, and many are looking for summer work. It's also the time when some seasonal businesses pick up, and many depend on solid summer help. Hiring seasonal workers?
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Starting a small business in New York is exciting, but on the journey to success, mistakes are inevitable. But if you're starting your own company, some mistakes can be fatal. Increase the odds that your new venture will stay afloat by avoiding these all-too-common roadblocks:
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Even for an excellent employee, an annual performance review can be stressful. They're tough on managers, too. Follow these 10 tips to make your reviews go as smoothly as possible for you as well as your most delightful and most difficult employees.
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For small business owners in New York, taking off for a summer vacation can be more stressful than just staying at work. Here are some tips for going on vacation if you're the boss so that you can actually relax while you're away from the office.
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Finding a great employee takes effort, and keeping a good one long-term is a major accomplishment. If you're a business owner, you know that hiring and training employees takes an enormous amount of time and energy and always results in lost productivity. By some estimates, replacing an employee even a mediocre one can result in the loss of up to 20 percent of that worker's annual salary. And there's nothing worse than investing in a great prospect, only to have him or her move on in six months for the next best opportunity.
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It's no secret that many well-known, high-performing companies put serious effort into creating a healthy and comfortable work environment that is conducive to employees' productivity, creativity, and overall wellbeing. But you don't have to be a multi-million dollar enterprise to promote a healthy workplace. Implement these simple ideas to enhance your office atmosphere, and potentially improve your bottom line to boot.
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Business Interruption Insurance (BII) is an often overlooked insurance coverage that protects against exposures to loss every bit is vital as fire or litigation.If your business is forced to close your risk is not limited to temporary loss of income, which can be devastating in and of itself.You also run the risk of losing customers who turn elsewhere for their product or service needs.You may have difficulty paying key suppliers during an income interruption causing further long term loss as those suppliers sever their business relationship with your company.
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Download Hurricane/Flood Disaster Supply Kit (Excel)(PDF)
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