https://completemarkets.com/Blog/post/ScurichInsuranceServices/3753/OSHA-Offers-Teen-Workers-Online-Safety-Tools/
...e retail sector, which includes restaurants and fast food establishments.
To ...ese workplaces and offers safety and health suggestions, safety posters, and e...
https://completemarkets.com/Blog/post/ScurichInsuranceServices/1280/Restaurants-Are-Now-Adding-Surcharges-For-Obamacare/
In case you're still wondering how Obamacare is going to affect you, you now have another answer.
You might start seeing Obamacare surcharges on your restaurant checks.
The Executive Editor of CNN Money, Chris Peacock, tweeted a snapshot of one such bill this morning. You can see the surcharge there right at the bottom: $0.20 for "ACA" — a.k.a., the Affordable Care Act, a.k.a., Obamacare.
Twenty cents isn't exactly exorbitant. But this new practice will no doubt get the anti-Obamacare crowd howling.
Content provided by: http://www.businessinsider.com/restaurant-obamacare-surcharge-2014-2#ixzz2uYGl80Gq
https://completemarkets.com/Blog/post/ScurichInsuranceServices/3612/Side-Job-Doesnt-Prevent-FMLA-Claim/
... CFRA process and questioning the medical opinion of the employee's doctor.
T...loyee's current job due to a serious health condition is enough to demonstrate...
https://completemarkets.com/Blog/post/ScurichInsuranceServices/2499/Workers-Compensation-Audits-why-it-pays-to-manage-overtime-and-independent-contractors/
Workers' compensation requires an end of the policy year audit to assure proper premium is charged. This process protects both the insured and insurers.
Think through this process to make it easier, and cost saving. First, choose a policy year that creates an easy audit. The calendar year works for many companies. You already must report payrolls to the US government, the paperwork is essentially done. Calendar quarters work for the same reason.
If you prefer to use your corporate tax year, go ahead. If you complete quarterly profit and loss, you can use a financial quarter. But choose an annual period which already has an audit trail.
Keep payroll records separate for each workers' compensation classification. Normally, this record keeping is straightforward. The same people specialize in certain tasks: clerical, sales, labor, or drivers.
Some operations can be more complex. If labor crosses from one specialty to another, perhaps a carpenter helps pour a concrete slab, that payroll should be split on an hourly rate. The higher rate applies otherwise.
Demand any subcontractor, for example a hood cleaning crew for a restaurant, provide a Certificate of Insurance (COI). Technically, insurance companies can charge for the payroll portion of any contracted work in the absence of a COI.
If you use to a non-covered contractor, keep those records to properly assign a discount for premium.
Lastly, keep records to isolate overtime pay. Overtime payroll receives a discount for premium purposes.
Make audits easier. Choose a convenient policy period. Keep records for independent contractors with COIs, and payments to those without. Isolate overtime pay. Segregate individual payroll by classification if that individual works in multiple job descriptions.
Your premium will be more accurate with a minimal additional management effort. And, the default position is always to increase payroll, and therefore, premium.
https://completemarkets.com/Blog/post/ScurichInsuranceServices/2180/Time-to-break-out-of-your-comfort-zone/
Comfort zones are there to tell us that we need to start to break out of our quicksand of comfortability. In your comfort zone there is no growth, no discovery, your journey gets stagnant, and routine becomes your best friend.
Now don’t get me wrong, stability is necessary, but boredom is not. It’s time to get a little uncomfortable. Not sure how? Check out these tips.
Go out and socialize, no matter how you feel. It’s Friday night and you’ve been invited out with your friends but after a long week all you really want to do is curl up on the sofa with a good movie. Stop right there. This is where you fight your initial urge to lay up and force yourself to make the move to go out.
Talk to someone you don’t know. You’re riding the bus or standing in line at the store. Stop and say hi and make small talk. You could be the sun that brightens their day and vice versa.
You know that thing that you’ve been avoiding because you’re terrified? Yeah? Do that. The point is, don’t let fear get the best of you. You go out and get the best of fear.
Try new things. When you keep doing the same things over and over again, life can get pretty boring. It’s time to break the habit of your tuna sandwich for lunch and head out to that new restaurant.
Break out of your funky, old stagnant life and find the excitement that is ready to meet you. Your future self will thank your present self. I guarantee it.
Content provided by Transformer Marketing.
Source: http://www.mindbodygreen.com/0-15436/5-ways-to-live-a-bolder-happier-life.html
https://completemarkets.com/Blog/post/ScurichInsuranceServices/1288/Study-Strawberries-boost-CA-economy-by-3-4-billon/
...ectly through, for example, the restaurants and grocery stores that cater to a...
https://completemarkets.com/Blog/post/ScurichInsuranceServices/3622/Cybercrime-A-Growing-Threat/
The more heavily your business relies on electronic technology, the greater your vulnerability to cybercriminals.
Criminal activity conducted through the Internet impacts businesses of all sizes. One study found that companies with 100 or fewer employees accounted for 72% of data breaches worldwide.
Today's cybercrimes put your grandmothers' spam email list to shame. According to a nationwide study by Ponemon Institute, the median annual cost of cybercrime for a large company in 2011 came to $5.9 million.
Cybercrime covers a variety of activities, from malicious codes and hacks in which private client or company information is made public or stolen, to disruption of normal operations. Perpetrators include rogue employees, "hacktivists" seeking to make a political statement, or third parties seeking financial gain.
Businesses, such as coffee shops, that allow customers on their premises to use Wi-Fi face unique risks. In one case, a Hollywood producer sued the owner of a restaurant offering Wi-Fi access after a customer used the network to download a film for bootlegging.
To help protect your business against potential losses from cybercrime, here are some recommendations:
Review your specific exposures. For example, if you allow people outside the company to use your WiFi, this can increase your exposure.
Focus on the human element in data security by offering employees effective training and specific guidelines.
Re-evaluate your guidelines frequently.
Evaluate the potential risks of adopting new technology.
Last, but not least, make sure that you carry adequate Cyber Liability Insurance.
Our agency would be happy to tailor cost-effective coverage to your needs, and help you develop and implement a comprehensive program for managing your exposure to cybercrime.