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Huntington Beach Law Blog

Why cut-rate insurance costs you more in the long-run

As a savvy business owner, you of course want to save money wherever you can. There is little point in wasting hard-won profits on unnecessary expenses. One thing you should never cut costs on, however, is your insurance.

No doubt, you receive many solicitations from various insurance brokers promising to save you money on insurance. Some insurance policies may even be priced below market value. But if an offer seems too good to be true, it usually is. Purchasing a cut-rate insurance policy may save you money in the short-term, but in the long-run it could cost your business dearly.

What if my business insurance claim is denied?

There are many potential risks to owning a small business: A customer could be injured on the premises; shoplifters could steal valuable merchandise; a natural disaster could cause expensive property damage. Smart business owners know to buy insurance to protect themselves so that if a worst-case scenario occurs, your business will be covered by its policy.

But what if your insurance company denies your business insurance claim? If this should happen to you, the financial toll on your company could be irreparable. In the event that your insurance provider tries to deny your claim, these are some of the steps that you should follow.

Tips for avoiding business contract disputes

Even if a business contract is legally airtight, it can still be the cause of a messy dispute. In a perfect world, business contracts would always be 100 percent beneficial and satisfactory to every party involved. As most business owners know, this is not usually the case.

One of the best ways to avoid contract disputes is to circumvent them altogether by drafting a contract that addresses any possible disagreements head-on. A poorly written contract is rife with potential for litigation. The next time you are drafting a business contract, the following strategies can help you avoid potential disputes.

Cell phones bring new legal challenges to school districts

Without a doubt, school is very different now than it was for previous generations. One of the biggest changes in today’s schools has been the integration of new technology. Teachers, school administrators and parents have had to adapt to the increased presence of technology in the classroom—for better or worse. Sometimes teachers use technology to teach their students, and sometimes students use technology to ignore their teachers.

One example is students and staff using cell phone cameras to record school activity. This form of surveillance could have serious legal ramifications for school districts, as well.

Don’t forget about low-tech solutions to business issues

All kinds of needs and challenges come up for small businesses. What actions a business owner takes to address them can be very impactful.

Modern technology has made many new tools and solutions available for business issues. This could give rise to a temptation among small business owners to always rely on high-tech solutions when addressing concerns related to their company.

Protecting the intellectual property of your business

Starting a California business is not an easy task, and there are several steps you would be wise to take as you get everything settled. In addition to choosing the right business entity and drafting employment contracts, you would be wise to take the appropriate steps to protect your intellectual property. Depending on the nature of your business, this could be an integral part of the business formation process. 

You may be unsure of what you need to do to protect your interests regarding your intellectual property. These are critical issues that could have an impact on the future of your business. You would be wise to seek the appropriate guidance to ensure that you know what you need to do to lay solid foundation for your long-term success.

Fostering a good work environment can be important in retaining talent

A small business can be greatly impacted by the quality of its workforce. So, when a small business draws in hardworking and talented workers, retaining these employees can be a high priority for the company’s owners.

When one thinks of things that could entice a person to stay with a company, their thoughts might go straight to compensation. While money can play a significant role in whether an employee decides to stay with a company, it is far from the only factor that can be a big one when it comes to employee retention. A recent survey suggests that how they feel about their coworkers can have a big impact on how likely an employee is to stick around.

Small Business Saturday: Not just for retailers

The day after Black Friday can be an important day for small companies here in America. It is Small Business Saturday. This year, this shopping day focused on the nation’s small businesses falls on November 25.

Small Business Saturday can see a lot of retail traffic to smaller companies. So, the main type of business that people may think of when it comes to this day are small retail businesses. However, small companies are present in all kinds of industries. This includes many non-retail industries. Non-retail business owners may be happy to hear that they are not simply out of luck when it comes to Small Business Saturday. There are things they can do to participate in and try to yield benefits from this special small business day.

The significant property damage of the California wildfires

Disasters can cause a great deal of property damage. This point is underscored by some of the numbers coming out in relation to the major wildfires that recently struck California.

It has been estimated that these fires damaged or destroyed over 7,000 structures in the state. Also, it has been estimated that insured losses coming out of this disaster have already passed $1 billion. These losses include those related to:

  • Residential structures.
  • Commercial structures.
  • Agricultural equipment.
  • Commercial vehicles.
  • Personal vehicles.

Contracts could help parties understand business relationships

When you first started your business, you may have had the ability to complete the majority of the tasks yourself. However, as your company grew and your success provided you with additional opportunities, you may have found yourself needing to bring in extra help. When hiring employees, you may feel a certain apprehension because you likely hold your business dealings close in order to prevent potential issues from arising.

You may feel that if more people know about your business strategies, then a greater possibility exists for your secrets to land in the ears of others. However, you can take steps to protect yourself and your company on a variety of levels by creating employment contracts. These contracts could provide terms for your prospective employees that will allow them to understand their roles, responsibilities and liabilities.

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