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Workers' Compensation Insurance: The Survival Guide for Business
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Insuring the Bottom Line: How to Protect Your Company from Liabilities, Catastrophes and Other Business Risks (Taking Control
Series)
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Managing Health Benefits in Small & Mid-Sized Organizations
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Health Insurance a Guide for Artists, Consultants, Entrepreneurs & Other Self-Employed
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Cost and Availability of Liability Insurance for Small Business: Part 2 : Senate (No. 052-070-061324)
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Insurance and Risk Management for Small Business
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The Buyer's Guide to Business Insurance
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Payroll taxes, health insurance, and SBA budget proposals : hearing before the Committee on Small Business, House of Representatives,
One Hundred Firs ... n, DC, March 29, 1990 (SuDoc Y 4.Sm 1:101-51)
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How to Shop for Home-Based Business Insurance
Anyone who runs a business out of a home, no matter how small, faces risks associated with it. You need insurance
to protect yourself against those risks, whether your home business is incorporated or you run it as a sole proprietor. You
need to know some of the basics.
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Ouch! Risk Management for Workplace Injuries
What constitutes a work-related injury? State workers compensation laws vary in wording but typically define a workers
comp injury as any illness or injury incurred "in the course of employment." This includes industrial accidents, of course,
but the injury need not result from one specific event in order to be covered by workers comp insurance. Repetitive stress
injuries, such as back strain or carpal tunnel syndrome, are legitimate workers comp claims.
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How to Choose an Agent or Broker for Group Health Insurance
Employee health insurance is by far the most popular benefit offered by employers, but buying it — especially
for small firms — can be a daunting experience. Insurance agents and brokers can streamline your health insurance purchase
and become allies if you run into insurance problems down the road. Before you put your business in an insurance professional’s
hands, it makes sense to arm yourself with knowledge of the health insurance marketplace and to find an agent or broker who
is the right match for your business.
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Buying Group Health Insurance Online
Small businesses are the perfect online insurance customer: wired and Internet-savvy. But only recently have 20 million
American small businesses gotten the online attention they deserve, with several new Web sites offering online quotes and
applications for small-group health insurance. Some sites act as brokers, while others put you in touch with a broker in your
area. Site features run the gamut, from bare-bones quoting services offering no insurance advice, to sites that bill themselves
as "benefit portals," and provide reams of small-business benefits advice.
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Health, Life, and Disability Insurance for Home-Business Owners
Saddled with bills for computer equipment, supplies, and business insurance, owners of home-based businesses might
not want to even think about the added expense of health, life, and disability insurance — but if you don't, it can
cost you even more. As with business liability insurance, the kind of insurance you want depends on how much risk you are
willing to take on, as well as your personal and business financial goals. A certified financial planner (CHFP) skilled in
insurance issues or an insurance agent certified as a chartered life underwriter (CLU) can help assess your needs, particularly
if your business is incorporated and your insurance purchases have tax ramifications.
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Car Insurance for a Home-Based Business
To buy commercial auto coverage or to buy personal auto coverage: That is the question home-based business owners
face when assessing their liability. In most cases, home-based business owners who use their vehicles to deliver goods or
services or to transport their equipment from job to job need only the personal auto policy they have now, but there are other
factors that affect what type of insurance you choose for your vehicle.
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Is Your Laptop Covered?
Technology is a wonderful thing. Handheld computers today can do things that big clunkers used to struggle with 10
years ago. Of course, there is a downside: It's now possible to leave a piece of machinery worth $2,500 under an airplane
seat. Because they're so portable, laptops are prime targets for theft. Teams of thieves will work the airports, hunting for
business travelers. Dropping a laptop can also be costly; damages to the screen can cost as much $1,500 to repair. Insurance
was made to solve problems like these. But coverage for a laptop computer can be a dicey issue. The kind of coverage you need
depends on who owns it and what it's used for.
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The Basics of Workers Compensation Insurance
Workers comp is a compromise: Benefits are paid regardless of who is to blame for the accident or injury. This "no-fault"
status is key to workers comp — the employer does not admit liability for the injury or illness, and the employee recoups
workers comp benefits without having to sue. There's no room for horseplay, drunken stumbling, or illegal drugs, though —
if any of those lead to an injury, workers comp insurance won't pay. The same goes for self-inflicted injuries, and for injuries
incurred while a worker is off the job, committing a crime, or violating company policy.
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How to Fight Workers Comp Fraud in your Business
An employee feigns work-related blindness, collecting permanent disability benefits through workers compensation
— and is caught driving a delivery van for his home-based courier business. A medical provider and his massage-therapist
wife are convicted of treating "phantom" workers comp claimants, billing insurers for thousands of dollars in claims for nonexistent
patients. A cost-cutting employer misreports the payroll, labeling half of his machinists as clerical workers — which
drastically lowers his workers comp premium.
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Controlling Your Workers Comp Premium
Your state controls what employers must cover with workers compensation policies, but it doesn't set your premiums.
Instead, your insurer uses multiple variables to determine your risk level and how much you should pay. However, if you have
good workplace safety programs and a proven record of low injury rates, you can qualify for various state-mandated credits
and discounts once you've reached a certain premium level.
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Take a tip -- before buying your insurance
No one
looks forward to buying or renewing their insurance, but here are some tips that will make the process a little easier. Ask
your insurance provider what the policy doesn't cover. The perils that are not covered are called "exclusions," and every
policy has them. Find out what they are now, rather than at claims time.
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