If you’re the owner of a small business, have you thought about your insurance options? Have you spoken with your agent and asked for quotes for different coverage plans? If not, take a quick look at the following types of policies recommended for many small business owners.

Most drivers know that it’s important to slow down, turn off cruise control and avoid tailgating when driving in winter weather. However, many drivers are surprised to learn that rain can be nearly as treacherous to drive in as snow and ice.

We often get phone calls, emails and letters from clients telling us about the outstanding service they received from one of our associates.  Last month, Schwartz associate Michell Fust received an exemplary review from one of our prominent business clients. Here is an excerpt:

Many times when an employee suffers a work injury and must take a leave of absence, they end up never returning to their position. However, a proactive manager can make a difference in ensuring that such a scenario doesn’t occur.

What would happen if your business suffered a fire or flood, or if a defective product produced by your company generated bad publicity? If you haven’t already, right now is definitely the time for your organization to create a crisis communication plan. You need to have a program in place to address the concerns of your employees, customers, your community and the media.    

Insurance jargon can be confusing to those who don’t use it every day (just like in ANY industry). But, with insurance, it’s important that YOU understand what the words on your policies mean so you can make informed and confident decisions about your coverage and know what questions to ask your agent.

We often get phone calls, emails and letters from clients telling us about the outstanding service they received from one of our associates.  Recently, the owner of a local family-owned business left Commercial Lines team member Markina Thompson a praise-filled message. Here is an excerpt:

Don't underestimate the danger of driving in winter weather! The following tips can help you and your family stay safe:  

With record-breaking snowfall and low temperatures over the past few winters, companies have had to revisit their inclement weather policies in order to keep employees safe and content. Those that have clearly written policies and procedures are ahead of the game, as they are better able to inform their employees of closings and delays quickly and efficiently, thus reducing confusion and increasing employee production.

No one wants to be thought of as a “Scrooge,” so even if you, as an employer, have had a bad experience in the past, it is doubtful you would ever decide to ban the holiday office party. However, that doesn’t mean you can’t be prepared this time to deal with an out of control employee.