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Small business owners take many risks when first starting out. Many of them only carry the basic business insurance coverage to protect them. In addition, some new businesses do not see a profit for quite some time. Consequently, facing a disaster, such as a fire or building damage, could be enough to force struggling entrepreneurs right out of business. Learn how you can protect your California business with business interruption insurance.

What is a certificate of insurance?

Posted: 8/30/2012 12:15:58 PM

Many people often need to hire a building contractor or a paint contractor to complete jobs around their home or small businesses. For your protection, you should learn whether the business or contractor you hire has a certificate of insurance (COI). This is especially important when they are doing a job for you, because of the possibility of accidents. Learn what a COI is, and how it benefits consumers and small businesses.

Most folks setting up a new insurance policy tend to focus on things like liability coverage and workers’ compensation insurance. These are extremely important, but have you given any thought to the need for employee dishonesty insurance for your California business? Consider this information about theft in the workplace and you might think about adding employee dishonesty insurance to your business insurance policy.

Starting a surf shop in CA?

Posted: 7/31/2012 6:11:34 AM

What better place to start a surf shop than in CA, with its sun, sand and surf. Like any other business venture, there are quite a number of things you’ll need to do, from determining if it’s a viable venture, to scouting locations, setting up business insurance and purchasing stock. Being diligent in all things generally reduces the risk of failure.

A glimpse into business start-up costs

Posted: 7/26/2012 2:19:36 PM

An outline should give you a rough estimate of all the costs of starting your business. This helps you to know whether you have enough funds to begin, or whether you need to apply for additional start-up money from a bank or other source. Let us examine some of the most common start-up costs, including equipment, inventory and licensing fees.

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