All businesses are at risk for a cyber attack or a data breach. The type of company doesn’t matter, nor does the size of your business. Even small businesses aren’t safe. The digital world might have created amazing breakthroughs and innovations in technology and business, but it also allowed thieves more ways to wreak havoc.
A cyber liability insurance policy helps protect your company from the inevitable.
Valentine’s Day is just around the corner, and you may be thinking about how to tell your partner exactly how much you love them. Dinner, flowers, and gifts are nice, but there’s another way to show the special people in your life that you care.
Every home and business should have at least one fire extinguisher. But having one and knowing what to do with it are two different things. Make sure you’ve got the right kind of fire extinguisher for your home or business and that you know how to use it if a fire occurs.
When it comes to reducing your carbon footprint, many people think that switching to an electric vehicle is the answer. Nothing is perfect nor is anything all bad, but it’s important to know what you’re getting into. Here are a few things you need to know before you make the switch.
The holidays are over but you’re probably still enjoying the wonderful and thoughtful gifts you received. If any of those gifts were valuable — like art, jewelry, or even high-end electronics — it’s not enough to use them and love them. You may need to talk to your insurance agent to make sure you’ve got enough insurance coverage to protect them if they’re ever stolen or lost.
Misclassifying your employees as independent contractors can seem pretty tempting. You’ll pay less in federal and state taxes and for your workers’ compensation insurance. In the short term it might seem like a great cost-saver and way to increase your bottom line. But in the end, it’s really a terrible idea. Here’s why you shouldn’t misclassify employees — no matter how tempted you might be.
A home office, much like the guest room it likely used to be, are often where people stack things and say, “I’ll deal with it later.” Now that it’s the start of a new year, consider this “later.” Make a fresh start with an organized home office. Not only will you feel better about it, but if you work from home, you’ll be more productive, too.
Do you have a hobby you love? Something that costs you time and money but is worth every minute and penny? January is National Hobby Month, which makes this the time to celebrate whatever it is you love to do. Depending on your hobby, though, it could have an impact on your insurance rates, so before you celebrate, it’s time to get serious.
Expensive hobbies that involve collectibles like art, cars, antiques, instruments, and even guns need more coverage than you realize. Extreme hobbies that get your heart racing and blood pumping might be a lot of fun, but they can make finding life insurance a nightmare.
It’s important to have the right amount insurance for every part of your life, including your hobbies.
We hope that you and your families have a safe and enjoyable holiday season.
Wishing you hope, peace, and prosperity in the new year.
From all of us at Charlotte Insurance – Happy Holidays!
You’ve probably heard of pay-as-you-go workers’ compensation insurance. It’s likely you’ve received a few emails, phone calls, or letters in the mail offering this as an alternative to the traditional workers’ comp you’ve purchased. Before you make the leap from your current coverage to pay-as-you-go, it’s important to understand what it is and what it isn’t.
