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QR codes — short for Quick Response codes — are everywhere these days, on the tables at restaurants, on posters, print and electronic advertising, and even during TV programming and commercials. By training your smartphone camera on one, you’ll get a prompt to click to open a web page, typically one for the company behind
If you had to close your doors or stop taking orders for two weeks or two months, what would happen? Would you be able to recover? Would you be able to meet your payroll? Would you be able to keep up with tax, insurance, lease, rental and mortgage payments for that long? Or would you
The average cost for employers of a court case brought under the California Private Attorneys General Act was $1.1 million in 2021, according to the CABRIA Foundation. But the insurance policies that business owners would expect to cover legal costs, settlements, and judgments for these claims may not provide much coverage. PAGA allows an aggrieved
Whether you are creating or printing posters, publications, flyers, advertisements, or a website, your graphic design agency or print shop helps your clients build their businesses. But like other businesses providing professional services, visual media business operations face unique risks that other firms don’t. And if you do not have proper insurance in place to
A new study has found that insurance is often a blind spot for small business owners, with the vast majority of them uncertain if they are “adequately insured” and what risks their policies actually cover. According to the survey by online insurance site Next, 90% of the 500 small business owners polled said they are
As unpredictable weather like the pummeling rains that hit the West Coast in early 2023 grow across the country, businesses that are not properly insured could be left paying for damage to their properties out of pocket. With flooding events increasing, it’s noteworthy that many companies located in or near flood zones do not carry
At the start of every year, it’s important that businesses take stock of developments in the 12 months prior that may require adjustments to their insurance policies. A number of events, such as purchasing new equipment or expanding to new territories, should prompt you to meet with us to see if you should increase your
There are many issues that can cause setbacks for print, packaging, label and even creative and design agency businesses. Electrical fires can damage inventory and equipment as well as shut down a business temporarily. Customer injuries can lead to lawsuits, natural disasters can destroy property, and burglaries can result in thousands of dollars of losses
Commercial property insurance rates remain stubbornly high in California for businesses with properties that are susceptible to wildfire risks. Coverage is relatively easy to find at reasonable prices in any of California’s larger cities, but in small cities and towns, it’s a different story. Business with facilities in any areas that abut woodlands and other
If you own your business and have employees, you are likely exempt from having to cover yourself under your workers’ compensation policy in California. But what if you have multiple owners? There are rules promulgated by state law that set out the parameters for when owners can be excluded from the workers’ comp policy, and
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