Off the job safety is essentially an extension of on-the-job safety rules. Designed to keep employees in West Virginia safe and healthy even when they are not at work, off the job safety ensures that they can keep coming back to work and keep contributing to the company! Off the job safety also helps businesses to save money, because employees who are safe and healthy outside of work tend to use their employer-provided health insurance less, resulting in savings for the employer.
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More and more business owners are seeing the economic advantage of basing their business in an unconventional locale, such as a home studio or office, or a shared space with a fellow entrepreneur. There are literally hundreds of types of business owners whose enterprises are perfectly suited for home offices or similar places, including: freelance writers, web designers, wedding and event planners, consultants of all kinds, photographers and other fine artists, tutors, music teachers, furniture makers, and many more. The phenomenon known as Etsy is a web-based community of literally thousands of business owners who sell their wares via the Internet and operate not from traditional stores but from virtual ones. This perfectly illustrates the increasing popularity of home-based businesses.
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The invitations have been sent, the hors d'oeuvres ordered, the house decorated, and the liquor cabinet replenished. You're ready to host a fabulous holiday party! Before you open the front door to a flurry of friends and family, however, make sure that you have the necessary insurance in place.
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Most of us in West Virginia have insurance for our homes, cars or businesses. We know life insurance is part of any good financial plan and health insurance can protect us from catastrophic medical bills. But there are a few other programs that we come in contact with - we don't usually think of these programs as insurance, but they are.
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The law of large numbers is a statistical concept that relates to probability. It is one of the factors insurance companies use to determine their rates.
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You may consider yourself well versed when it comes to the ins and outs of business insurance in West Virginia, especially if you own a business in West Virginia. But just how accurate and in-depth is your knowledge? In the spirit of fall, which is back to school time, take this quiz to test your awareness of business insurance myths and truths.
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Chances are you already have a number of different insurance policies in place. It's almost inevitable, however, that even with all that protection, there are some cracks in your coverage. Umbrella insurance is designed to essentially seal those cracks, so that all your bases are covered. It will, metaphorically speaking, shield you from the storms that may come in the form of accidents and other unforeseen events that your existing policies aren't equipped to fully cover.
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Times have changed substantially since the dog-eat-dog days of fire marks-distinctive plaques fashioned of lead or copper that home and business owners displayed on their property to indicate that it was insured against a fire. In the 18th and 19th centuries, fire insurance providers gave these plaques to policyholders who paid in advance for their protection. If a home or business caught fire, the fire insurance provider (who also ran the fire brigade!) would look for that all-important fire mark before going to the trouble of putting out the flames. If there was no fire mark to be found, they would turn around and leave, letting the building burn.
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