LinkedIn isn’t just for those individuals searching for a job right out of college or for a career change. LinkedIn is the largest and most active online networking community for professional relationship building. Whether you are a pharmaceutical sales rep, an IT consultant or a wholesale florist, the purpose of LinkedIn is the same: to connect professionals across an array of industries and build business relationships. Continue reading
Florists give the gift of bringing beauty indoors. Between the lilacs, roses and lilies, any home can be turned into a garden or any one’s heart can be warmed with a special bouquet delivery. However, just like any other business, florists experience everyday risks, all of which should be protected by florists’ insurance. Continue reading
Many business owners feel as though insurance is an unaffordable expense or a luxury for bigger and more established companies. Fortunately, with the right insurance company, business insurance solutions can be cost effective. Continue reading
Umbrella liability insurance for small businesses is also known as excess liability insurance (or commercial umbrella insurance). This type of insurance is designed to protect businesses from suffering major losses. These losses go beyond what general liability and business auto policies cover. At Hortica Insurance & Employee Benefits, this type of insurance is available in increments of $1,000,000. Continue reading
In the workplace, five types of injuries attribute to 72 percent of the nation’s direct workers compensation costs: overexertion (by lifting, pushing, pulling or holding excessive weight), falling on the same level, falling to a lower level, bodily reaction (from sitting or standing) and being struck by an object. These five types of injuries – across all industries – amounted to over $35 billion in workers compensation costs in 2009. Continue reading
Theft is an all-too common problem within the landscaping industry. No matter how secure you feel your property and equipment are, determined thieves will find a way to steal what is of value to you. While it is critical to go through all the motions of physically protecting your landscape and equipment from theft, ensuring that your property is protected with landscape insurance is equally – if not more – important. Continue reading
After a Washington State resident, 24-year-old Maria Federici, was blinded and disfigured from a piece of furniture that flew off the back of a moving vehicle and sliced through her windshield, someone took action. The Washington State Legislature enacted “Maria’s Law” in 2005 to criminalize the failure to properly secure loads into vehicles. As a result, a driver who causes injury or death due to an unsecure load may be charged with a gross misdemeanor and be sentenced up to one year in prison. This legislation is meant to hold offenders personally accountable for another person’s injury or death. Continue reading
Although the terms and concepts may seem similar in theory, employee benefits and workers compensation are largely different. Both are essential for businesses of any kind. Continue reading
In July of 2011, it was recorded that our global economy experienced extreme catastrophic losses amounting to approximately $265 billion. Japan’s earthquake and tsunami in March of 2011 alone accounted for $210 billion in losses and 15,500 lives. Continue reading
The beauty of today’s technology is we can turn to the Internet for almost anything – even filing an insurance claim. If you have greenhouse insurance, garden center insurance or an insurance policy for any type of horticultural business through Hortica Insurance & Employee Benefits, you can file a claim without picking up the phone. Regardless of your insurance company, the process can be handled online. Hopefully, you have Internet access nearby because nothing can hinder the ability to properly investigate and manage a claim more than passing time. If an accident or destruction hits your horticultural business, consider these five simple steps to filing a property insurance claim: Continue reading