Commercial
Questions & Answers About The Minimum Wage
What is the federal minimum wage? Under the Fair Labor Standards Act (FLSA), the federal minimum wage for covered nonexempt employees is $7.25 per hour effective July 24, 2009. Many states also have minimum wage laws. Where an employee is subject to both the state and federal minimum wage laws, the employee is entitled to the higher minimum wage rate.…
Read MoreMust Young Workers Be Paid The Minimum Wage?
Must young workers be paid the minimum wage? The Fair Labor Standards Act (FLSA) requires payment of at least the Federal minimum wage to covered, nonexempt employees. However, a special minimum wage of $4.25 per hour applies to employees under the age of 20 during their first 90 consecutive calendar days of employment with an employer. After 90 days, the…
Read MoreIN: Eleven Things Your Company Should Know To Reduce Lawsuit Exposure
Dear Valued Customer, The number of lawsuits filed by employees against their employers has been rising. In this issue of “————————-” we focus on wrongful termination from the employer’s point of view. You must do everything possible to avoid work-related lawsuits, but obtaining Employment Practices Liability Insurance (EPLI) to protect your business from workers who…
Read MoreReducing Risks to Your Business Vehicles
MANAGING RISK Whether you own or lease a single business car or an entire fleet of commercial vehicles, you’ll need to purchase commercial auto insurance. Your insurance professional can help you weigh your risks and evaluate coverage options. But even with insurance in place, you’ll want to take steps to prevent accidents and protect your…
Read MoreProtect Your Ride
There are numerous antitheft systems and devices designed to make vehicles more difficult to steal or easier to trace and recover. Here are how some of them work: Audible and Visible Devices: These devices, such as a horn alarm, deter theft by bringing attention to an unauthorized attempt to steal or enter a vehicle. Visible…
Read MoreReducing Motor Vehicle Theft
In 2017, more than three-quarters of a million vehicles were stolen in the United States—and nearly half of those thefts were due to driver error. Vehicle theft is a multi-billion-dollar crime, with the cost of stolen vehicles coming in at nearly $6 billion in 2017 alone. 75.4% of those vehicles were automobiles. Summers prove to…
Read MoreHow to Prevent Auto Theft and Carjacking
Minimize the chances of vehicle robbery—and personal injury Having your vehicle stolen is bad enough, but carjacking—having it taken while you’re behind the wheel—is potentially dangerous, even lethal. Foil would-be car thieves and keep yourself safe with these precautions. Having your vehicle stolen is bad enough, but carjacking—having it taken while you’re behind the wheel—is…
Read MoreIN: Protect Yourself Against Auto Theft & Carjackings
Dear Valued Customer, In this issue of “———————-” we focus on carjacking/theft prevention. According to the U.S. Department of Justice Bureau of Statistics, almost 40,000 carjackings occur annually in the United States but some think those numbers are conservative. Read on to understand how you are covered, learn the top five ways to avoid car…
Read MoreCovering Losses with Business Interruption Insurance
BUSINESS INSURANCE IN DEPTH Standard property insurance covers physical damage and losses—furniture destroyed in a fire, a storm-damaged office building or stolen equipment. This coverage can help you pay the costs of rebuilding or replacing damaged property. But what about losses resulting from your business’s inability to operate because of property damage? For this type…
Read MoreIN: OSHA: Falls In Construction
Dear Valued Customer, In this issue of “——————————–” we focus on falls in construction. Did you know that more than 800 construction workers die every year while on the job. In fact, falls are the number one cause of fatalities in construction. Falls cause one of every three construction worker deaths. These falls happen in…
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