General Liability Insurance in California: Proper Business Coverage for You
2012 February 6 by Peter
General Liability: Are You Properly Covered?
General liability is an essential type of coverage for a business owner. If you run a bakery, manufacture a product or have clients come to your office, there is a liability exposure.
Commercial general liability insurance in California comes with six different components of coverage.
Following is a sample of how the liability coverage page would read for someone with a $1 million to $2 million limit: Continue reading »
How Strong Company Culture is Key to Business Success
2012 February 2 by Peter
Here are Some Ways to Set up Your Company’s Employees for Success
An organization’s culture is the shared values and practices of its owners, managers and employees. Culture is reflected in visible symbols.
Such symbols include everything from the firm’s logo and signage to its marketing materials and premises. Symbols also include less-tangible factors such as the way people dress and talk, how they treat each other, and how they interact with customers and vendors. Continue reading »
Is it Wise to Go Without Life Insurance?
2012 January 30 by Peter
How to Get Help with Purchasing Life Insurance in Today’s Economy
As the economy continues to struggle, many Americans are cutting back. And for some, that means going without life insurance coverage. In fact, about 35 million U.S. households currently do not have life insurance. That’s the highest percentage in more than four decades, according to insurance industry research group LIMRA.
Can going without life insurance be justified?
Of course, only you are familiar with your individual financial circumstances and goals, so only you can decide if life insurance is something that’s necessary for you. Continue reading »
5 Tips for Stamping Out Employee Theft
2012 January 26 by Peter
How to Prevent Employee Theft
Theft by employees can be among the top concerns of small to midsize business owners.
Following are some tips to help owners prevent employee theft:
- Employee background checks can be extremely helpful in the hiring process to determine the best candidate for the job. A credit history report will tell you whether or not a person has handled money responsibly.
- Once employees are selected, institute policies and procedures that protect the business. Establish accounting procedures that give no one person all the control. For example, one person may record payments received and another may handle deposits.
- Regular audits are a natural part of business. However, unannounced audits are a good indicator of what is truly going on in the accounting department. There should be no difference in results whether employees know that an audit is coming or if one is done at another random time. Continue reading »
Setting New Goals for the New Year? Remember to Select the Best Targets.
2012 January 23 by Peter
The Secrets to Setting Effective Business Goals
A new year always brings with it new personal goals. And it’s also a great time to think about setting new goals for your business. Objectives give you focus, allowing you to trim the fat where needed.
Once you’ve marked your goals, you can go back and review where business efforts aren’t really contributing toward the desired result – saving you both money and time.
Goals will also allow you to spot opportunities that will help you further along your path.
You should be thinking about both long-term and short-term results.
