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If you are in a business as a partner or co-owner, you have probably spent a great deal of time creating financial value in your company.  One question that gets overlooked is, “What happens to the business if something happens to me or my business partner? READ MORE >>

  How do you build a Safety First environment into your organization? Start off by addressing one of the biggest exposures of any company, the people driving your company cars and trucks. Hopefully this short article will give you some simple tips whether you think this would apply to you and your company or not. READ MORE >>

If you’ve applied for a mortgage, then you remember all the information you needed to provide to the lender in order to determine your interest rate, which was partially based on your financial responsibility. That was an underwriting process. READ MORE >>

At what amounts do you stop withholding FICA (Federal Insurance Contributions Act) tax for the employees at your restaurant?  Are your servers and bartenders meeting the correct minimum wage requirements for tipped employees?  Are you required to pay FICA tax on cash and charged tips? READ MORE >>

How can I save money on my truck insurance? Many trucking companies experience the annual dance with their insurance agent.  The owner hasn’t heard from his agent all year, then he calls a few weeks before the renewal date asks if anything has changed.  The answer is generally no. READ MORE >>

As a common carrier you are responsible for the load no matter what happens to it. Generally, there are five major types of perils that affect trucking business.  If any of these happen to your company, you and your insurance company are responsible for any damage that might happen to the load. READ MORE >>

Removing snow and ice from your car is difficult work and takes time to do. Sometimes motorists cut corners by not removing snow from the hood and tops of their cars. The side windows, rear window and side mirrors often get neglected as well. While this corner cutting does save some time, it makes winter driving even more hazardous than it already is. READ MORE >>

Although most Americans will never experience a crippling amount of snow, it is still wise to prepare for a winter storm. For homeowners in climates where snow storms are a possibility, it may be time to evaluate winter storm preparedness. Ready For Winter? READ MORE >>

The key to health, happiness and longevity is rooted in your daily habits. Set them right and one can accomplish anything, including a long and healthy life. Live longer by adding these simple practices to your daily routine. Exercise Daily The human body was meant to be active. READ MORE >>

Liquor liability is not just a question of having adequate insurance coverage; it is also essential that managers and staff receive proper training in effective methods of preventing liquor liability.  Not only bar and tavern owners, but also restaurant operators, have a responsibility t... READ MORE >>

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