Business continuity

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Whether you're just starting your business or have been running it for years, understanding the types of insurance your business may need is critical to managing risk. Two of the most common forms of business insurance are general liability and professional liability. While they may sound similar, they address different types of exposures and serve distinct purposes.
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Recently, we covered the basics of commercial umbrella insurance: What is it, and is it right for your business? This month, we'll get into a few more details, and look at some of the instances in which commercial umbrella insurance might apply.
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All business owners in Minnesota need solid, affordable insurance, and many companies require multiple types. But what happens when something goes wrong and your insurance doesn't cover it? If the cost to pay for injury to others exceeds your policy limits, or worse, is excluded by the insurance policies you have, you could be stuck with potentially crippling out-of-pocket costs.
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Training employees can be costly and time-consuming. Even if you don't work in an industry with a high turnover rate, we now live in an era where many people switch careers multiple times in their lifetime, making it harder to find employees you can really nurture and invest in the long term. So how do you decide how much time, money, and energy to invest in training new employees? Consider these things to help you decide how to develop your workforce in a way that makes the most sense for your business.

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If you're a small business owner, chances are the pandemic has been especially tough on you and your family. You may have had to change your business model, lay off employees or worse, close up shop indefinitely. But what about your employees? If you're a small business owner looking to support your staff through the pandemic, here's what you need to know.
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A comprehensive business insurance policy is a must for any business owner. But under what circumstances do you need to take another look at that policy and make important adjustments? Here are some instances when it would be a good idea to revisit your business insurance plan and add to, or change, your coverage.
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For business owners, operating during a pandemic is complicated to say the least. You want to do the right thing by your staff and customers, without losing the business you love. In many cases, there is a lot you can do to make patronizing and working at your business safer for everyone.
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Owning a business means that you're responsible and often liable for the welfare of your staff and clients. Winter can bring extra hazards and increase the possibility of accidents and injury.
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Many employers take the time and effort to follow through with employee reviews, while others let this annual tradition slide. Annual performance reviews can be excruciating, productive, or somewhere in between. So what makes the difference? What makes an annual review effective, and how can both employers and employees can prepare to get the best possible outcome?
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Starting a small business in Minnesota is exciting, but on the journey to success, mistakes are inevitable. But if you're starting your own company, some mistakes can be fatal. Increase the odds that your new venture will stay afloat by avoiding these all-too-common roadblocks:
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Business Interruption Insurance (BII) is an often overlooked insurance coverage that protects against exposures to loss every bit is vital as fire or litigation.If your business is forced to close your risk is not limited to temporary loss of income, which can be devastating in and of itself.You also run the risk of losing customers who turn elsewhere for their product or service needs.You may have difficulty paying key suppliers during an income interruption causing further long term loss as those suppliers sever their business relationship with your company.
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Download Hurricane/Flood Disaster Supply Kit (Excel)(PDF)
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