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Is Your Small Business Ready for the Grand Opening?

Here’s how to get your small business ready for opening. 

From the concept to the business plans to installing the computers, you’ve nursed your business along the whole way. Now that it’s time for opening, you’ll want to be sure that you’ve done enough to set your business up for success. The cost of putting up a brick-and-mortar business is huge, and you’ll need to get your small business ready for opening – before you open the doors!

Get your website together. 

Plenty of businesses, even today, have sloppy or unprofessional websites or lack a social media presence. Technology is incredibly important in today’s society, and it’s a sure way to get your business out there. Take advantage of easy advertising on social media and capturing a large audience with a website by updating your pages today!

Get promoting. 

Now that your website and social media have stepped into the 21st century, it’s time to get the word out about the opening of your business. Small businesses must work hard to tell the general public of their services and product, and invite them into the office for the grand opening. Welcoming potential clients face to face is much more successful than writing ‘We’re open!’ on Facebook.

Get the equipment together. 

Do your employees have everything they need to make the business run smoothly? When it comes to opening day, you don’t want to be lacking paper bags, pens, or an Internet connection. Check and then double-check that you have everything in place before opening the doors. To protect all of your financial investments, secure the right business insurance for your company!

Don’t waste valuable time searching for the right insurance coverage. Contact Chambers & Company, your independent insurance agency, to learn how you can safeguard your hard work with business insurance for your small business.

Items Around The House You Should Recycle

Recycling is easier than ever – check out top household items to always recycle.

The average person in the United States generates around 4.5 pounds of waste every single day! Times that by 300 million and you can see why litter has become a serious problem in this country. Recycling saves valuable space in landfills as well as supplying resources to be used again. While every business and individual should be playing their part to go greener, homeowners should take note that these top household items to always recycle are often overlooked.

  1. Junk mail – You can recycle most of the mail that comes into your home. Make it easier by placing a recycling bin next to where you store the incoming post. Even better, get your bills and account updates sent to via email.
  2. Books – Donate or sell old books that you no longer read. You can also recycle books that have been destroyed.
  3. Ink cartridges – Most printer ink cartridges contain toxic materials that do not belong in the trash. Instead of throwing them out, take them to your nearest Staples or Best Buy, where they will take your old ink cartridge for recycling.
  4. Disposable plates and cups – Avoid these wasteful party supplies if you can. If you cannot, always recycle them! You can also shred them and put them underneath your mulch to provide nutrients for your plants.
  5. Household batteries – The toxic material in batteries greatly contribute to pollution, especially when they break down in landfill sites. Many libraries and post offices now collect household batteries for recycling.
  6. Old TVs – If you’ve recently updated your smaller TV to a shiny, new model, the old TV may be sitting in the garage, lifeless. Instead of dumping it in the bin, take it to your nearest e-waste center.
  7. The basics: bottles, cans, paper, plastic, cardboard! Always!

So that you have the necessary coverage for your home, contact Chambers & Company Insurance Brokers to learn about suitable insurance for your needs!

How to Help Your Business Go Green

Is your business planet-friendly? Use these steps to better your company’s impact on this earth.

More and more businesses are going green by selecting eco-friendly options to operate. Not only does this lower outgoing bills, boost sales, but it benefits the environment. Any business can reduce their energy usage, recycle, and take active steps to go green. By incorporating eco-friendly practices into your businesses, you’re helping the bottom line as well as the planet.

Here are the top ways in which your small business can go green!

Know where to start
Check your energy’s consumption and water usage so that you know where to start to reduce your carbon footprint.

Buy recycled paper
Replace copy paper with recycled options. This paper is made entirely from the paper put in recycling bins while using less energy and creates less waste during the papermaking process.

Reduce, reuse…
Recycle! Provide recycling bins for paper, plastic, and cans so that your employees can recycle their waste easily. Don’t forget about e-waste! Your old printers and computers should be taken to your local recycling center when their time is up.

Turn off devices
Research has shown that simply putting your computer to sleep can save $10 – $50 per computer each year. Encourage employees to make sure their computers are “sleeping” when not in use.

Switch your lights
While there is often a higher price tag on your compact fluorescent or LED lights, they not only last longer than standard bulbs, but they also use less energy. This is a smart financial decision, and it phases out the wasteful incandescent bulbs.

Turn to green cleaning products
Your office kitchen should use natural hand and dish soap, and you can switch out paper napkins for cloth towels.

Turning your business green is an important step to minimizing your effect on the environment! To focus on making your business greener, secure your reliable business insurance policies that will protect your company. Visit the team at Chambers & Company Insurance Brokers to get started!

What’s in a Business Owner’s Policy

Business owners can reap the benefits of securing a business owner’s policy.

If your business is fortunate enough to have a handy-dandy BOP (business owner’s policy), your company will have all sorts of protection.

Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to adhere to special needs and risks.

Whether you are considering a package policy or have purchased one without knowing coverage, read on!

BOPs include:

  • Property insurance for buildings and contents owned by the company. There is a standard form and a special form where the latter provides more comprehensive coverage.
  • Business interruption insurance which covers the loss of income resulting from a covered peril. This could be the result of a fire, natural disaster, or downed power lines that cause standard business operations to stop. This can also include the extra expense of operating out of a temporary location.
  • Liability protection. This covers your company legal responsibility for the harm that it may cause to others. This harm is a result of things that you or your employees can do (or fail to do!) in your business operations that may cause bodily injury or property damage due to defective products, faulty installments, and errors in services provided.

Business owners should note that BOPs do not cover professional liability, auto insurance, worker’s compensation, or health and disability insurance. For these coverages, separate insurance policies will need to be purchased!

If you’re a business owner looking to receive suitable coverage in a nifty package, contact Chambers & Company Insurance Brokers to learn more!

Reduce Your Energy Bill with These Tips

Use less energy to help the planet and be kind to your wallet.

Homeowners are always looking for ways to save money. You may have noticed that your energy bill seems to be ever increasing with the constant additions of devices in your household and the hike in gas prices. While the energy bill is dreaded every month, it is a utility that we often take for granted. Only when we’re stumbling around in the dark trying to find a torch when the power goes down do we realize the brilliance of electricity!

With that said, you don’t have to live in the dark to save money on your electricity bill. Here are the top ways to save energy around your home, save money, and benefit the environment by doing so. That’s what we call a win-win situation.

Insulate the walls & windows.

Fill your walls with insulation, stuff the attic with fiberglass insulation, and double-pane the windows. This significantly reduces the loss of hot and cold air that your thermostat works so hard at maintaining. In the winter and summer, you’ll get to enjoy turning the heating up less and the air con on lower, respectively.

Wash your clothes on a cold cycle.

Filling your washing machine up with hot water comes at a hefty price, more so than you may think. Skip warming up the water and put your clothes on a cold spin to use less energy!

Air-dry your clothes.

Dryers use a lot of energy thanks to its heating element. Save money and energy by putting up some clotheslines and hanging up wet clothes to dry!

Take a shorter shower.

Instead of a bath, take a shower. Instead of a 20-minute shower, take a 5-minute one. You’ll find that you’ll have more time on your hands and your energy bills will significantly decrease.

Unplug your electrics.

Make a habit of unplugging all the devices that you aren’t using. These ‘energy vampires’ are notorious for sucking up energy, even if they’re off but still plugged in. This is throwing money away – so unplug them!

Talk to your utility.

Most utilities provide you an online account that you can access to see how much you consume and when.  If you know it, you can manage it.

Not only will you benefit your pocket, but using less energy also helps the environment. While you focus on bettering your carbon footprint, leave homeowners insurance to the professionals. Talk to your local team for more information on how to secure reliable coverage. Visit Chambers & Company Insurance Brokers for the quality insurance policies that you need and deserve.

Find Out How Laughing Keeps your Stress Under Control

Learn how to keep your stress in check with laughter!

Stress is inevitable; it’s a normal part of life, especially in the workplace. With projects, deadlines, meetings and maintaining office dynamics, it’s easy for work to become a cesspool for stress. However, too much stress is detrimental to your health. It can cause serious health complications such as heart disease, obesity, sleep deprivation, anxiety, and depression. While there are many ways to help manage your stress, from exercise to meditation, perhaps one of the best medicines for stress is laughter. Check out how laughter can contribute to alleviating your stress and improve your overall health.

Increased Oxygen

When you laugh, you pull in more oxygen. The more oxygen your body has, the better able your muscles, heart, and lungs can function. As the body absorbs oxygen, your brain releases mood-boosting chemicals called endorphins, creating the feeling of happiness.

Reduces Tension

It’s no secret that stress is bad for your health. However, laughter can help you to relax and unwind. Just as laughing increases activity in your heart, muscles, and lungs, it helps to increase stimulation. The more circulation, the better able your muscles can relax, which reduces your stress.

Boosts Immune System

The more stressed you are, the weaker your immune system becomes. In fact, a pessimistic outlook on life has various ill effects on your health. Change your negative perspective for a more positive one. The more that you laugh, the more positive you become; so much so that your positive thinking can help to release neuropeptides that work to fight stress and illness.

When it comes to your workplace, it’s imperative to manage your stress. Get the relief that you need with a little laughter and the right health insurance. For assistance with employee health benefits, contact the professionals at Chambers & Company!

Insuring Your Home Business

Running a home-based business isn’t easy, here’s how you can insure it to protect your business equipment.

If you run a business from the comfort of your own home, you may not have enough insurance to protect your business equipment. A standard homeowners insurance policy provides only $2,500 coverage for business equipment, which is likely not enough to cover all of your property associated with your business. As a business, you will likely need coverage for liability and lost income. You put blood, sweat, and tears into your business so insuring it is important for its livelihood.

Regardless of what insurance policy you choose, you need professional liability insurance. Here are the three basic kinds of liability insurance you should consider — depending on the nature of your business.

  1. Homeowners Policy Endorsement

You may not need to take out an entirely different policy. A homeowners policy endorsement just adds protection to your already existing homeowners policy to double your standard coverage for business equipment like computers and printers.

  1. In-Home Business Policy

An in-home business policy provides more comprehensive coverage than the homeowners policy endorsement. In addition to the protection for your business, this policy could reimburse you for the loss of important papers and records. It may even pay for the income you lose if your home is so badly damaged from a covered peril that it forces you to temporarily pause your business.

  1. Business Owners Policy (BOP)

If your business is on the bigger side of things, as far as home businesses are concerned, then homeowners insurance policy and any add-ons won’t exactly cut it. It covers business property and equipment, loss of income, extra expenses, and liability—like the other policies, only on a much grander scale.

Whichever you choose is best for your business, it’s important to realize that not even your business is immune to dangers. Contact Chambers & Company, your independent insurance agency, to learn how you can safeguard your hard work with business insurance for your small business.

How to Protect Your Home While on Vacation

Protect Your Home While on Vacation

Heading out on vacation? Be sure to protect your home!

Where is this summer taking you? Whether it’s tropical, action-packed, or relaxing, many people go on vacations over the summer months. With time off work and school, it makes it ideal for families, couples, and individuals alike. While you’re packing to head out on vacation, ensure that you’ve taken the necessary steps to protect your home.

Ask a friend. Ask a relative, friend, or trusted neighbor to visit your home a couple of times a week. He or she can water the plants and check that the home is safe and sound.

Limit social media messages. It’s possible for anyone to see your social media profile and messages. Posting about an upcoming vacation may get you in the mood for fun, but it makes it easy for thieves to know when your home will be vacant. Instead, post pictures about your trip when you’re back home.

Remove the key. Now is the time to remove the spare front door key that’s hiding underneath the welcome mat. Thieves will take advantage of scoping out places to hide keys, so be sure that you don’t fall victim!

Unplug and shut off. Before you leave, unplug minor appliances (TV, chargers, some lights), and shut off the water valve. This way, the risk of your home suffering from damage decreases.

Make it looked lived-in. You don’t want people to know you’re away while you’re away. Combat this by setting lights on a timer to switch on during the nighttime, and consider lowering or turning off your telephone ringer. While you’re at it, cancel newspaper deliveries.

Pack discretely. Take care when loading up the car with luggage. You don’t want to attract any unnecessary attention to indicate that you’re leaving down. Don’t leave the trunk open while you bring out suitcases. Instead, try to pack up your supplies while your car is in the garage, if possible.

Before you head out on vacation, take a moment to review your homeowners insurance. You’ll want to ensure that your coverage is suitable for your needs while you are away from your home. Fortunately, it takes a simple phone call to secure the right coverage. Talk to the professional team at Chambers & Company Insurance Brokers to determine your homeowners insurance policy today.

Natural Ways to Boost Energy

Natural Ways to Boost Energy

Skip the extra caffeine and try these natural ways to boost energy instead.

Do you find yourself feeling sluggish mid-afternoon? Perhaps you struggle to stay alert throughout the day? You may just be plain exhausted. If so, it’s time for a change. Instead of reaching for another cup of coffee or downing a chemical-filled energy drink, try these natural ways to boost energy!

Drink 2 liters of water every day. Our bodies are mostly water, and we need to replenish them with clean, fresh water. Drinking enough H20 is important to flush out toxins and stimulate our brain to function properly.

Avoid processed sugars and sweeteners. Both of these take a lot of processing by our system, which in turn takes away our energy. Bear in mind that it’s impossible to cut out all sugars. Fruits and vegetables contain naturally occurring sugars, and we don’t need to limit our intake there. However, choose to avoid processed and artificial sugar.

Exercise daily. There’s little that exercise can’t help us do! Simply walking more often and engaging in gentle exercise can help us to instantly feel more awake!

Increase your consumption of fresh fruits and vegetables. Today, we’re constantly being told what not to eat. However, this is not the case when it comes to fruits and vegetables. We are biologically designed to eat fruits and vegetables, and we need the enzymes and fiber to keep our systems working well. Increasing the amount of raw food also makes a big difference to your energy.

Get better quality sleep. Spending your nights tossing and turning can make you feel tired the next day. Be sure that you’re getting at least 8 hours of sleep every night, as an adult. If you struggle to sleep, limit your caffeine after 3:00 p.m., and write down what is on your mind before you go to sleep.

Look after your mind. The mind is a major player in how we feel and our energy levels. Try meditating for 10 minutes every day, or do yoga once a week. Be sure to do one thing every day that you enjoy doing!

Before you reach for coffee, try these natural solutions first! While you focus on bettering your health, let the insurance professionals handle your insurance policies. Contact Chambers & Company Insurance Brokers to learn about suitable coverage for your needs!

Should You Use Independent Agent For Your Business Insurance Needs?

Independent Agent Business Insurance

Would your business benefit from an independent insurance agent?

Insurance can be a complicated purchase for business owners to make. After all, you’re buying a promise of protection that could potentially make or break your financial future. From knowing what coverage you need to assessing your budget, business owners need to know if they’re making the right choices about their coverage.

An independent insurance agent can step in to help you secure reliable coverage for your needs. Not only that, but he or she can ensure you’re getting the best value for your dollar, too.

Choice

Independent agents represent many different insurance companies that offer a wide variety of coverage options and price points. They are not limited by only choosing a policy from one provider. Instead, different packages, policies, and price points are in their reach. This means that there’s no need to fill out different online applications or accept one quote from one company! An independent agent can put their connections to use to find you the better value of coverage.

Knowledge

Stumped on industry jargon? Agents can explain the complexities of insurance in simple terms, helping you to make the best decision. They make a career out of assessing their customers’ insurance needs and matching them with the insurance carrier best equipped to meet those needs at a price that the client can afford. A licensed professional ensures that your business is properly protected!

One-Stop-Shop

They meet all of your insurance needs with the companies that they represent, providing auto, home, renters, and business coverage! This means that you only need to manage one stream of insurance instead of several different ones from various companies.

With so many benefits of an independent insurance agent, why not give your local agent a call? Contact Chambers & Company Insurance Brokers to learn about suitable coverage for your needs!