Tag Archive for: business owner

Low-Cost Employee Perks That Your Team Will Love!

Low-Cost Employee Benefits

Offering your team these low-cost employee perks can significantly raise office morale.

When you first start your business, employee benefits are probably the last thing on your mind. After all, you have to raise enough money to hire the employee to begin. As you grow your business, you’ll face the dilemma of wanting to attract the best and brightest workers, but you can’t afford the high-dollar salary and brilliant benefits.

The good news is that a lot of employees are looking for more of a balance of salary and perks. In the long run, providing low-cost benefits can help you to attract loyal employees and compete for talent in today’s job market. In addition, your current employees will feel the benefit of a happier workplace!

Unlimited Vacation Time
Letting employees decide how much vacation time that they take may seem like a slippery slope. However, this can encourage them to work harder. With the right policies in place and trustworthy employees, this can be a good pay off for the individual and the company alike.

Work From Home
Give employees the option to work from home one day a week. Employees who telecommute reported improvements in stress levels, morale, and productivity.

Take a Break
Set up a designated quiet room for employees to take 10-minute relaxation breaks. Provide yoga mats for meditation and comfy chairs to relax for a few minutes. Employees will come back to their desk revitalized and ready to dive in.

Free Food Friday
Every 5th Friday (or so), treat your employees to a catered breakfast or lunch. If this isn’t in the budget, stock the fridge and cupboards with healthy and fun snacks to keep them going!

Welcome the Woof
It’s a known fact that pets make us happier! Designate four-legged-friend-friendly days for employees to bring their dogs to work. Dogs in the office reduce stress for their owners, bring happiness to the playing pups, and make work more satisfying for other employees!

One thing that your company shouldn’t have to worry about is reliable coverage. Contact the industry experts located in Camarillo – Chambers & Company Insurance Brokers – for all of your business insurance needs.

How to: File a Commercial Auto Insurance Claim

File a Commercial Auto Insurance Claim

Find out how to file a commercial auto insurance claim!

Whether you own a florist business, cake company, or home delivery service for the elderly, you or your employees may be on the roads every day. No matter how you and your employees use your commercial vehicle or fleet, you could be at risk in the event of accidents.

When an accident happens, knowing how to file a commercial vehicle insurance claim will help you to save money and get your business reimbursed as soon as possible!

When and How to File Commercial Auto Insurance Claims

While getting into an accident in the delivery van isn’t ideal, there are simple steps that you can take to ensure that the claims process goes smoothly. First, always check for injuries and contact the appropriate authorities!

Next, gather the following information to relay to your insurance company:

  • The names of everyone involved in the accident
  • All vehicle license plate numbers and car information
  • The insurance information from all other drivers involved
  • All accident specifics that you can remember

It’s a good idea to record everything that has happened at the scene as well as taking pictures of all vehicles involved. If the accident is minor, evaluate whether it will be worth it to call the insurance company to file claims. You should be aware of the deductible and how your coverage applies to the accident.

Once you have all the information gathered, give your insurer a call to get started!

When accidents happen on the clock, you’ll be glad that you took the time to put the right coverage in place. Filing commercial vehicle insurance claims can be a challenging process, so work with a local agent who will advocate for your needs.

Get started on your tailored policy from the insurance professionals at Chambers & Company Insurance Brokers. We are there to secure the right auto policy and guide you through the claims process.


June is National Safety Month! Secure Your Business Insurance

National Safety Month & Business Insurance in Camarillo, CA

Dedicate June, National Safety Month, to updating and maintaining workplace safety and the right business insurance.

Workplace safety cannot exist on best practice guidelines and policies alone. A safe working environment is based on how well the people, in both management and offices, uphold these standards.

During June, National Safety Month, take the initiative to make your workplace a safe zone, minimizing the risk of damage, harm, and lawsuits that your company cause. Then, add another layer of protection by updating your business insurance. To get you started, here are top tips to safeguard your business and employees in the workplace:

  • Prevent slips, trips, and falls – Report and clean up all spills and leaks as they happen, replace worn and ripped flooring, and keep floors clear of wires and clutter.
  • Eliminate fire hazards – Combustible waste should be stored in covered metal receptacles and disposed of daily. In addition, there should be no chairs, tables, or items blocking fire exits at any time.
  • Clear the clutter – A cluttered workplace is a hazard in every sense. Employees and guests can easily sustain an injury when there are objects in their way. Keep aisles, stairways, hallways, and emergency exits clear of clutter and always empty trash cans before they overflow.
  • Provide necessary safety equipment – Depending on the job, equipment like earplugs, earmuffs, hard hats, and safety goggles are required to reduce the risk of workplace injury. If your employees require such protection, ensure that your company provides it.
  • Encourage breaks – So many work-related injuries and illnesses occur because a worker is tired or not alert to his or her surroundings. Taking regular breaks allows your employees to stay fresh on the job!
  • Create written rules – State your safety policies in writing so that all of your employees are aware of what safety protocols to follow.

As a business owner, dedicate the month of June to bettering your business and safety measures. So that you can focus on protecting your business from safety hazards, review your insurance policies to make sure you’re covered. If you need business insurancecontact Chambers & Company Insurance Brokers to get started!

Different Types of Property Coverage for Your Business

Types of Property CoverageCommercial insurance is broad and there are many different policies. What is best for your business?

Business owners may be overwhelmed when deciding on a policy that suits their company, assets, and financial future! Fortunately, we’ve compiled a handy-dandy list that provides an overview of the coverages available to businesses.

Commercial Property Insurance: As the most common form of commercial property policy, this typically covers buildings, production machinery, office equipment, furniture, and stock. The policy is fairly flexible and can be adapted to meet the needs of your business.

Businessowners Policy: A businessowners policy is a type of package policy designed for small and medium-sized businesses, and covers commercial property and general liability coverages. It can also include business income, extra expense, and various crime coverages.

Inland Marine Insurance: Commercial property and BOP policies cover property situated at the premises described in the declarations, typically away from the businesses premises. This coverage is designed to protect movable property.

Builders Risk Insurance: This insurance covers a building in the course of construction, beginning when construction starts and ending when the project is completed so that your building is protected throughout every stage.

Crime Insurance: Including employee theft coverage, computer fraud coverage, and money and securities coverage, this policy is designed to protect against losses.

Are you ready to receive quality and all-encompassing insurance for your business in California? Don’t get dumbfounded by the different types of property coverage for your business. Contact Chambers & Company Insurance Brokers as our expert California agents know the risks of each business, and can take steps to safeguard your company.

How To: Cut Your Risk of Public Liability Claim

Reduce Your Public Liability Claim Risk CA

Are you doing what you can to reduce your risk of facing a public liability claim?

As a business owner, you’ve got a lot on your plate. Between managing day-to-day operations, preserving your bottom line, and supporting your team, you probably find yourself very busy from the moment you step into the office. The last thing you need, then, is another to-do. A public liability claim will not only make you busier, it can also be a serious headache and even become downright financially devastating. Protect your business and the hard work you’ve invested in it! Use these steps to reduce your risk of facing a public liability claim.

Step up your safety.

Slip and fall claims are the most common type of public liability claims. They’re also very avoidable. While putting good safety procedures in place may not feel like it should be your top priority, it’s one of the most important non-revenue earning things you can do. Look at hazards facing your business–from wet walkways to dangerous equipment–and take steps to safeguard against them.

Address incidents.

If there is an accident on your property, deal with it right away. Document the scene, gather statements from the people involved, and do what you can to make immediate reparations. Showing that you care about the incident right when it happens can save you a lawsuit down the road.

Get covered.

We can’t say enough about how important it is that your business carry good liability insurance. Liability coverage isn’t a one-size-fits-all, so take the time to meet with a dedicated insurance agent. They will be able to assess your unique business and provide policies that cover its unique exposures.

This guide will help you slash your risk of facing a public liability claim, but accidents do happen. Having the right liability coverage in place can mean the difference between having a claim being a minor hiccup, or becoming a major catastrophe. To ensure your California business has the commercial insurance it needs, contact Chambers & Company Insurance Brokers today. Our expert team is here to make sure your business has the right types of protection in place.