Friday December 6, 2013
The topic of last week's blog was the hazards of serving alcohol at the annual employee Christmas party. I don't want to be a scrooge, but liquor is not the only holiday-related hazard that small business owners need to think about. Here are some other things to consider when planning your holiday festivities.
Christmas Tree: Many people (including me) love the smell of conifers. Nothing evokes Christmas like the spicy aroma of a freshly cut pine, spruce or fir. Sadly, a Christmas tree can be a fire hazard, especially if it has begun to dry out. If you use a real tree to decorate your workplace, be sure to keep it watered. A dry tree can go up in smoke in 20 to 30 seconds. Even a well-watered tree should be placed far away from any source of sparks or flames. An artificial tree is much less likely to burn than a real one but only if it is fire-retardant. No matter what type of tree you use, place it somewhere where it won't block exits or impede foot traffic.
Wednesday November 27, 2013
The holiday season is rapidly approaching. Like many small businesses owners, you may be eager to reward your hard-working employees by sponsoring an employee Christmas party. Holiday festivities can boost morale by providing a welcome break from routine. A party is also a good way to communicate to your workers that you appreciate the accomplishments they have achieved in the past 12 months.
While you want your employees to enjoy themselves at the party, it's important to ensure that they don't overindulge in holiday cheer. Employees or their guests (if guests are invited) may become intoxicated and then injure themselves or someone else after they leave the party. Drunken employees may also become aggressive or behave improperly toward other attendees.
Thursday November 21, 2013
Like many small businesses, your company is probably insured under a general liability policy. But do you know whom your policy covers? If not, read my new article.
It seems like every few weeks I hear yet another news story about a sinkhole. These phenomena are quite common. Just a few days ago NBC News reported that an 80 foot-wide sinkhole "swallowed" two homes in Dunedin, Florida. In August, a large sinkhole damaged a resort in Clermont, Florida near Walt Disney World. Meanwhile, officials in Louisiana are watching an enormous sinkhole that has generated tiny earthquakes. According to the Los Angeles Times, this sinkhole opened over a year ago and has consumed 25 acres.
Friday November 15, 2013
What obligations does your insurance agent or broker have to you, the insurance buyer? Find the answer in my new article. Also, what constitutes an insurance policy? How is a typical policy organized? Read this article to find out.
Unless you live in a cave, you know that the Philippines recently suffered the worst windstorm in the country's history. I've never experienced a typhoon (or hurricane) myself. Even for Filipinos, who are used to typhoons, the winds from Typhoon Haiyan must have been terrifying. Can you imagine wind speeds of 195 miles per hour?