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 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 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 MoreWhy Your Flower Shop Delivery Drivers Need Insurance
If you operate a flower shop, bringing people joy and comfort during meaningful moments in life is a significant part of your job. However, sometimes unexpected events can catch you off guard in your quest to spread cheer. What would happen if your delivery driver were involved in an accident? It is tempting to assume […]
Read MoreShipping, Cyber, and Returns: The New Risks of eCommerce
Small business owners who ran shops a few decades ago were well aware of the most common risks involved: slip-and-fall accidents, inventory theft, and perhaps the occasional break-in. However, the situation today is very different, with online sales channels now in the mix. You might be expanding your reach, but you are also opening the […]
Read MoreWhy Your Standard Shop Policy Doesn’t Cover Your Online Storefront
When retailers seek business insurance, they are often presented with a standard shop policy. These policies may have sufficed in the past, but they were written for a world that no longer exists. While most small retailers now sell both in-store and online, their retail insurance was written on the assumption that customers shop only […]
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