Do Freelance Workers Need Insurance?

A side view of a female graphic designer working freelance on a computerWith the job market becoming volatile in the wake of COVID-19, many people are trying freelance work on for size. The world of freelancing comes with many benefits, such as determining when and who you work with and allowing you greater flexibility and more control over your work-life balance. However, as an independent contractor, you’re susceptible to the risks of a traditional business without the workforce or resources to back you up. To negate these risks, freelance workers need insurance. [Read more…]

Expenses to Consider for Your Food Truck Business Plan

A blonde woman wearing a mask and apron working on a food truck, drizzling sauce onto a boxed mealUp until the pandemic, the food truck industry was one of the best-performing divisions of the foodservice sector. People love to experiment with gourmet food with more speed and convenience than offered at traditional restaurants. Even amid this crisis, food trucks are finding creative ways to generate income, such as pairing with local breweries and promoting their presence in towns across the state. If you’re eager to actualize your dream of joining the industry, there are few expenses to consider for your food truck business plan. [Read more…]

What to Do If COVID-19 is Discovered in The Workplace

Two members of a professional sanitation crew clean the surfaces of a restaurant in hazmat suits after COVID-19 was discovered in the workplace.COVID-19 is a microscopic adversary, making it extremely difficult to detect its presence until it’s too late. Despite the measures your business takes to defend against the virus, there’s always a chance of an outbreak – an employee can contract it outside of work, a sick patron may disregard their quarantine, or the virus can travel into the establishment via a delivery. No matter how the contamination enters your business, it’s important to know what to do If COVID-19 is discovered in the workplace. [Read more…]

Protecting Your Employees from Heat-Related Injuries

A landscaper dressed in orange protective gear using a hedge trimmer to cut dried up hedges in the heatThe summer months can be grueling for those working outdoors, especially for landscapers, masons, and construction workers. Intense heat – especially now during the dog days of summer – can result in varying illnesses and injuries and can affect workers regardless of age or physical condition. Fortunately, there are a few simple steps to protecting your employees from heat-related injuries and additional measures you can take to safeguard your business. [Read more…]

Does Your Nonprofit Organization Need Coverage for Volunteers?

A male volunteer in a medical mask delivering a box of vegetables to someone's front doorstepDespite the charitable nature of nonprofit organizations, there are some essential guidelines they must follow to prevent risks to themselves. Although they have different goals than traditional businesses, volunteer-driven nonprofits need to protect their team, and while nonprofits operate differently than a traditional business, they share some of the same risks and liabilities. Let’s dive into what types of coverage for volunteers nonprofit organizations require. [Read more…]

Why Your Business Needs Liquor Liability Insurance

Three variations of beer sitting atop a wooden table in a restaurantRestaurants are no stranger to selling alcoholic beverages alongside their dishes. Even if a restaurant doesn’t sell alcohol, they may host periodic events where alcohol is permitted. On top of that, some stores, breweries, and bars make a living off of selling alcoholic beverages. Unfortunately, an increased risk of liability accompanies the serving of alcohol, as it’s famous for impairing motor skills and judgment if abused. Given the perils of excessive alcohol consumption – such as liability for assaults, property damage, and drunk driving – it’s important to know the necessity of liquor liability insurance. [Read more…]