Our Executive Learning Series is back! Monthly, our Human Resources department hosts an informative discussion on common Human Resources topics complete with a complimentary lunch. This is a chance to meet individuals from other companies in our community and to learn about many workplace topics. We hope to see you there!
In the event of a disruption, business interruption insurance provides coverage for income your business would have earned during a closure period if it had been operating normally.
Even if your premises are unusable following a disaster or other event, many leases still require that you make payments. Business interruption insurance allows you to continue making rent or lease payments, even while your business is not operating.
In the event that your primary location is unusable following a disaster or other event, you will likely have to relocate in order to remain open and continue generating revenue. Business interruption insurance can cover the expenses of moving your business to a temporary location and may include both moving and rent costs.
If you are unable to operate, it is likely you will not be able to continue paying employees. Business interruption insurance can help you avoid losing staff while you’re closed by ensuring that you make payroll. This is especially important, as finding new employees is often more expensive than keeping them.
If you have an outstanding loan, you will need to continue to make payments even if your business isn’t fully operational. Business interruption insurance will ensure you never miss a payment until you are fully operational again.
Business interruption insurance is designed to give businesses access to the assets they need when they need it most. However, these policies can be complex, and it’s important to work with your insurance broker closely when seeking coverage. To learn more contact us today.
Saving money is easy with a health savings account (HSA). You will be able to pay for your medical expenses with tax-deductible dollars and will be able to save for the future… all at the same time!
The cost of health care is rising, but how much you will actually spend on medical expenses varies. This means that most people have extra funds available for investing in the future, and an HSA is a great way to accomplish both. By opening an HSA, you can place money into the account to go towards qualified medical expenses.
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As technology becomes increasingly important for successful business operations, the value of a strong cyber liability insurance policy will only continue to grow. The continued rise in the amount of information stored and transferred electronically has resulted in a remarkable increase in the potential exposures facing businesses. In an age where a stolen laptop or hacked account can instantly compromise the personal data of thousands of customers, or an ill-advised post on a social media site can be read by hundreds in a matter of minutes, protecting yourself from cyber liability is just as important as some of the more traditional exposures businesses account for in their general commercial liability policies.
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Our Human Resource Consultants are here to help you with your next big HR project, whether it’s an employee handbook, full HR audit, training, or assistance with a disciplinary issue, termination, hiring and onboarding, or developing new processes. Check out a list of all they do!
Contact Maria Clyde (mclyde@bhi365.com) or Anika Dzwilewski (anikad@bhi365.com) to see just how they can help you!
With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your business. B+H Insurance, LLC is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line.
In the case of a catastrophic event such as a fire, explosion, burst pipe, storm or theft, commercial property insurance compensates you for losses or damage to your building, leased or owned equipment, and other property on the premises. In fact, commercial property insurance can cover items such as furniture, inventory, computers and anything that would be considered necessary for performing normal business operations.
Commercial property insurance is typically purchased as a stand-alone policy or as part of a comprehensive business owner’s policy that includes property and general liability coverage. Commercial property insurance is offered on either a replacement cost or actual cash value basis.
General liability insurance policies typically cover an organization for claims involving bodily injuries and property damage resulting from its products, services or operations. What’s more, this form of insurance can help cover medical expenses and attorney fees resulting from bodily injury or property damage claims for which your organization may be legally responsible.
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Take a look at this video that was designed to help you understand General Liability and Workers Compensation Audits. Understanding the Audit Process can help you be better prepared for future Audits to come.
Sexual harassment is a serious problem in the workplace and unfortunately, has been for years. Times are certainly changing as now five states in the U.S. have mandated that companies conduct sexual harassment training – California, New York, Maine, Connecticut and Delaware. Regardless of a training requirement, many companies can easily fall into the “not us” trap of complacency. This mindset leads managers and leaders to overlook claims or not investigate them properly, and employees to not report them all.
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