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Business owners who form a corporation or a limited liability company (LLC) may question the need for the business to carry insurance. A major benefit of these forms of business organization is that they shield the owners’ personal assets. Because of this, they may believe insurance is unnecessary. A corporation is a legal entity separate
Cal/OSHA has issued emergency regulations that require employers of outdoor workers to take protective measures, including providing respiratory equipment, when air quality is significantly affected by wildfires. Smoke from wildfires can travel hundreds of miles and while an area may not be in danger of the fire, the smoke can be thick and dangerous, reaching
Workplace injury rates rise during the summer months. When summer rolls around, companies in many sectors, including agriculture and construction, significantly increase production. Increased road construction raises risks for workers and drivers. Many of the newly hired workers are young and inexperienced, creating a high potential for workplace injuries. Toiling in the sun is also
After the series of earthquakes that rocked Southern California in early July, the largest in the region in 20 years, the temblors left some retail establishments and other businesses with damaged structures and furnishings. While damage after quakes is often focused on homes, many businesses are also susceptible to damage. The wine industry suffered more
People often think of professional liability insurance as something only doctors and lawyers need. The truth is that anyone in any profession can be sued for making bad decisions. Standard business general liability insurance policies do not cover liability for professional mistakes. They will not cover errors that cost someone else money without causing bodily
Cal/OSHA is developing regulations that would require employers of outdoor workers to provide respiratory equipment when air quality is significantly affected by wildfires. Smoke from wildfires can travel hundreds of miles and while an area may not be in danger of the wildfire, the smoke can be thick and dangerous, reaching unhealthy levels. The danger
After R&B star SZA said she had security called on her while shopping at a Zefora store in California, the chain closed all of its U.S. stores for an hour to conduct “inclusion workshops” for its 16,000 employees. Zefora understood the swift backlash that can hit a company that has acted inappropriately towards a customer,
Perhaps you remember the embarrassing scenario for NASA in early 2019, when the space agency was forced to cancel its first-ever all-woman spacewalk because they didn’t have two suits on the International Space Station that fit them. While most people were shocked, women in professions that require them to wear personal protective equipment (PPE) know
Wage and hour lawsuits are on the rise, usually with non-exempt employees claiming they weren’t paid either for overtime or for work they may have performed before or after their shift. But, if you have ironclad policies in place, you can greatly minimize both the chances of being sued and also losing the case. One
One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities. Let’s say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you
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