Down to Business

Top 5 Insurance Products All Startups Must Have

Posted by on Jul 18, 2017 in Down to Business | Comments Off on Top 5 Insurance Products All Startups Must Have

Start-up companies are popping up quickly in today’s fast-paced world and entrepreneurs often find that they’ve forgotten to get essential business insurance to protect their company. While the owner may tell the board that the business has an insurance policy, this doesn’t mean that the company has the insurance needed. Every company needs insurance that is both adequate and optimized. To get started, business owners should take these five forms of protection into consideration: 1. Comprehensive General Liability (CGL) Insurance Coverage This is a type of insurance that protects companies...

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Time to Review Your Employee Handbook?

Posted by on Jul 6, 2017 in Down to Business | Comments Off on Time to Review Your Employee Handbook?

Many issues face a company when they are bringing on employees. These include basic pay, family and sick leave, as well as general employee welfare. These are critical issues but having and reviewing an employee handbook is also important. Largely how often you review your employee manual is a function of how large your firm is. The more employees you have, the more often you should review it. (Make sure it is relevant and accurate to your company’s current situation.) In fact, one of the key things you need to do is to ensure your employee manual is customized to fit your company and that...

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Wrongful Termination

Posted by on Jun 9, 2017 in Down to Business | Comments Off on Wrongful Termination

Although many states are fire-at-will states, there may be circumstances that allow legal action to proceed against employers. For example, a firm that appears to adhere to a plan of progressive discipline actions prior to terminating staff members and then terminates an employee while failing to following that plan can be putting themselves in legal danger. In one example of this, the California Appellate Court ruled that the employees claim could proceed even though the company was a fire-at-will company. Proceedings in other states have had similar outcomes so it is worthwhile exploring...

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Separating Truth From Fiction With Employees

Posted by on Jun 9, 2017 in Down to Business | Comments Off on Separating Truth From Fiction With Employees

Philip Maltin, who was discussing the ways of spotting liars at the Society for Human Resource Management’s Skill Monitoring Conference & Exposition, began by explaining how we can misread some signs when trying to spot liars in the workplace. According to Maltin, if someone folds her arms, fails to look you in the eye, and keeps massaging the back of their neck depicting nervousness and stress, it’s not mandatory that they are lying. Maltin feels that body movement of a person is just one of many cues that help us to understand whether that individual is a liar. According to him, an...

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Think Carefully Before Imposing English Only Rules in The Workplace

Posted by on May 27, 2017 in Down to Business | Comments Off on Think Carefully Before Imposing English Only Rules in The Workplace

A clothing store recently restricted three employees from speaking Spanish in the workplace. In turn, they sued stating that it was a violation of their civil liberties as well as discriminatory behavior. The complaint says that the company’s human resources department was detached and dismissive to the worker’s concerns. They ignored phone calls, voicemails. They failed to take any action on behalf of the employees. To make matters worse, the employees in question were told they would lose their jobs if they continued speaking in Spanish. They also faced other disciplinary actions. The...

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So, how much insurance do you need for your new business?

Posted by on Apr 25, 2017 in Down to Business | Comments Off on So, how much insurance do you need for your new business?

Opening up shop? Wondering what kind of insurance coverage you might need? Chances are you’ll likely need to protect yourself. You have to watch out for things like liability claims, injuries, accidents, damage to equipment, and burglary as well. It’s enough to give a person an ulcer. So how do you know if you have the right business insurance for your needs? And how can you be sure you are getting a great deal on your coverage? We’re certainly here to help you with that! Talking with an independent insurance agent will help you figure out which kinds of commercial coverage are most...

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