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.
You probably already know that renters insurance covers your personal possessions in your apartment in the event of a break-in or other disaster, but you probably didn’t know about some of the lesser known but equally important benefits. If you’ve wondered if your renters insurance was really worth the money you pay, here’s your proof.
Between all the shopping you’ll likely do on Black Friday and Cyber Monday and the shopping you’ll do throughout the holiday season, you’re going to have a lot of transactions. With all the data breaches we’ve seen this year, it’s more important than ever to take steps to protect yourself.
The holidays can be a stressful time for everyone. Family obligations, buying gifts, juggling home and work – people are often get stressed out by Thanksgiving and it only gets worse until after the first of the year. Stress has a big impact on your employees, too – at home and at work. You might not be able to help them in their personal lives, but reducing stress at work is definitely a good goal to have. When you do, you increase productivity and reduce safety problems.
Ahhh, Thanksgiving. It’s a time of family, friends, and football – although not always in that order. For most people, the center of attention during the holiday season is the turkey. Bake it, smoke it, roast it, or grill it, it’s all delicious both the first time you eat it and as leftovers for the next few days.
