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Running a small business in today’s market means constantly assessing risks, and one of the biggest risks is the loss of a key employee. This could be the founder, a top salesperson, a unique technician, or anyone whose skills, experience, and knowledge are critical to keeping the business afloat. Small businesses often rely heavily on…

Understanding and complying with workplace safety regulations is crucial for any Delaware business. The Occupational Safety and Health Administration (OSHA) oversees federal standards, which apply across the board, while the Delaware Department of Insurance incentivizes safety through the Workplace Safety Program. Here’s a closer look at these regulations and how they can help your business…

In high-risk industries, such as construction and auto services, safety meetings are crucial to building a safe work culture, enhancing employee awareness, and reducing on-the-job accidents. Safety meetings create an open forum where employees can gain fresh knowledge, revisit essential protocols, and raise concerns about potential hazards. Whether you’re an experienced worker or new on…

Life doesn’t stand still, and neither should your insurance. Major life events often mean your coverage should be reviewed to ensure it fits your new reality. Here are some life stages and events that typically require insurance updates:  Life is full of change, and insurance is meant to protect you through it all. Reviewing your…

Creating a safe workplace is a top priority for any business, especially for industries like construction, auto service, retail, and real estate, where everyday tasks come with inherent risks. While safety protocols, training, and equipment are essential, understanding the role of employee habits can be a game-changer in reducing accidents and improving overall safety. By…

Auto accidents are a significant risk for any business that operates vehicles. From increased liability and higher insurance premiums to lost productivity and potential lawsuits, vehicle-related claims can severely impact your bottom line. Whether you own a small fleet of trucks, lease a few cars, or rely on employees using personal vehicles, reducing auto claims…

Auto insurance can be complex, particularly for business owners who rely on vehicles to keep operations running smoothly. Whether you’re managing a fleet of trucks, company cars, or delivery vehicles, it’s essential to have a clear understanding of the terminology used in auto insurance policies. This knowledge helps you make informed decisions and ensures your…

Business owners often wonder whether the cost of insurance is tax-deductible. The good news is that many types of business insurance qualify as deductible expenses under IRS guidelines. According to the IRS, premiums for insurance that are “ordinary and necessary” business expenses can typically be deducted.  Deductible Insurance Premiums  The following types of business insurance…

Small businesses face many risks, and securing insurance is essential for protecting against these exposures. However, insurance premiums vary widely depending on several factors. Understanding what influences these costs can help business owners make informed decisions when purchasing coverage.  1. Type of Business and Industry  High-risk industries like construction and manufacturing typically pay higher premiums…

The construction industry is moving towards digitization, with technologies like artificial intelligence (AI), the Internet of Things (IoT), and Building Information Modeling (BIM) streamlining operations. However, these advances also open new doors for cybercriminals. As construction companies rely more on digital tools and store valuable data, they become increasingly attractive targets for cyberattacks.  Why Construction…