business owners policy

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As the leaves change and the year winds down, fall is an ideal time for business owners to pause and evaluate their insurance needs. A year-end review can help ensure your coverage still aligns with your business operations, protects against seasonal risks, and positions you well for the coming year.
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Spring brings new growth and opportunity for landscaping entrepreneurs. If you are starting a landscaping business this spring in Illinois you will need more than a green thumb. Understanding your insurance needs can help protect your venture, your equipment and your employees as you grow.
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Spring brings warmer weather, blooming landscapes, and–unfortunately–a higher risk of storms. From heavy rain and strong winds to hail and tornadoes, spring weather can pose serious threats to your business. While you can't control the forecast, you can take steps to help protect your operations, property, and people.
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In last week's blog post, we explored three foundational types of insurance for small businesses: General Liability Insurance, Business Owner's Policy (BOP), and Professional Liability Insurance. This week, we'll expand on that foundation by discussing additional types of coverage that are crucial for more specific business needs. Today, we'll focus on Commercial Auto Insurance, Business Property Insurance, and Umbrella Insurance.
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Business is a great way to supplement your income, pursue your passions, or build a foundation for a future full-time venture. However, it's important to be aware of the risks involved before you take the plunge.
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Business owners in Illinois are likely in tune with some of the most essential factors that lead to success. Some examples of things that are taught in most business classes include the importance of customer retention, building a loyal customer base, and building a positive brand reputation.
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We've said it before: the distinction between a small and large business is somewhat arbitrary. At what point in the business growth life cycle do you cross over? One way to answer the question is when your business no longer qualifies for a Business Owners Package Policy. The BOP bundles up several kinds of insurance protection in one policy. But as business become larger the risks they pose become more varied and difficult to address in one policy.
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The "Great Resignation" and labor shortages throughout 2021 made recruiting and retaining employees a challenge for businesses across the country. And, while 2022 remains an employee's market, there's room for hope. The U.S. Bureau of Labor Statistics' April 2022 jobs report showed that both the unemployment rate and participating labor force closely mirror pre-pandemic numbers, remaining steady at 3.6 percent and 62.2 percent, respectively.
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For small business owners, hiring and managing employees can be a rewarding but stressful part of the job. During uncertain times, maybe you need extra help but are thinking twice about committing to an official employee. So when should you hire, and when might an independent contractor or outsourcing company be a better fit? Here are some tips to guide that decision.
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