As the cost of commercial auto insurance continues climbing at unprecedented rates, any business with vehicles has to make sure that it has procedures and policies in place to reduce the chances of its drivers causing accidents. When a business entrusts a vehicle to an employee, it is literally putting its assets on the line. You should set these no-exception rules for drivers: Always wear seat belts.No driving while under the influence of alcohol or drugs.No mobile phone use while driving. You should also set guidelines for employees to follow when they use company vehicles, such as: Limit their non-business…

The federal Equal Employment Opportunity Commission is seeing more and more retaliation complaints by U.S. employees, with such charges accounting for 47% of all charges in 2017. That's compared with 37% in 2011. Employment law attorneys say that the increase is in part due to the fact that the employees who bring retaliation charges have a higher degree of success than those that bring a regular discrimination charge. There is a lower standard of harm that must be proven for a successful retaliation lawsuit thanks to the U.S. Supreme Court case, Burlington Northern & Santa Fe Railroad vs. White. While…

Thanks to advances in technology and the Internet, more and more people are running home-based businesses, either full-time or part-time. But will a homeowner's policy cover the risks of a home-based business? In nearly every case, the answer is no. The only exception to this might be if a homeowner's policy has a special endorsement, such as to run a catering company from your home. Yet fewer and fewer companies offer such endorsements. Additionally, some policies may give a very limited amount of coverage for business property, such as a computer. Sixty percent of home-based businesses lack adequate business insurance,…

According to a recent survey, four in 10 American workers live paycheck to paycheck. This means that an unexpected illness or injury that takes your employees off the job for more than a few days can have devastating consequences for many of your employees who depend on their wages to survive. Disability insurance - sometimes called disability income insurance - helps protect workers' incomes against the possibility of loss of work from illness or injury. What it covers In a nutshell, disability insurance helps replace a portion of a worker's income if that worker loses his or her income due…