Determining whether a worker is an independent contractor or employee sounds remarkably simple on the surface. However, this distinction often catches small businesses by surprise, and the consequences in Connecticut can be costly. Workers’ Compensation coverage requires business owners to get this right, or they could be responsible for back premiums, fines, and considerable legal […]
Read MoreIs Workers’ Compensation Insurance Required for My Connecticut Business?
If you’re wondering whether you need workers’ compensation insurance, the short answer is almost certainly yes. Connecticut has some of the strictest workers’ compensation requirements in the nation, and the state leaves little room for guesswork. If your business has even one employee, coverage is legally mandated, regardless of whether that single employee works part-time, […]
Read MoreSlip, Trip, and Fall: How Simple Store Safety Protocols Can Reduce Your Rates
A rainy afternoon might bring a lot of business to a retail store, but it also poses plenty of hazards. On top of longstanding accidents waiting to happen, like a loose tile near the checkout counter or a box of inventory left in an aisle, wet footprints tracked inside by customers and wet floor mats […]
Read MoreOpening Your Retail Store? 5 Insurance Coverages You Can’t Afford to Skip
There are many aspects of opening a retail store that are exciting, but most business owners can agree that insurance isn’t one of them. However, ignoring it altogether could cost you everything you have worked so hard to build. Here is a look at five types of insurance coverage that you need to consider before […]
Read MoreComparing Coverage Options for High-End Retail Stores
Operating a high-end retail store entails expensive inventory and a highly discerning clientele, which increases your liability risks compared to a typical shop. Unfortunately, some retailers tend to either over-insure and waste money or under-insure and put their entire business at risk. This guide breaks down the main types of coverage you need so you […]
Read MoreHow to Update Your Retail Insurance When Expanding to a Second Location
For small business owners, opening a second retail location is a giant leap forward. Having another storefront will mean more customers, greater revenue potential, and a stronger presence in your market. However, don’t become so distracted by planning inventory, hiring staff, and designing the new space that you forget to update your retail insurance policy. […]
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