State Compensation Insurance Fund, in partnership with the Department of Homeland Security, offers free seminars on Active Shooter Preparedness. These half-day courses provide important information about useful actions you can take to prepare for an active shooter event.
Participants will learn:
• The characteristics of an active shooter situation.
• How to identify and report criminal planning and preparatory acts.
• How to prepare and respond to active shooter and workplace violence incidents.
Each seminar is fast-paced, interactive, and includes lessons learned from previous active shooter incidents.
Local Southern California Dates are:
San Diego, CA
February 5, 9am – 12 pm
University of Phoenix, 9645 Granite Ridge Drive
Monterey Park, CA
February 12, 9 am – 12 pm &
1 pm – 4 pm
State Compensation Insurance Fund, 900 Corporate Center Drive
Even though the Trojans were throttled by the Ducks 56-24 yesterday at the Coliseum, we enjoyed our day tailgating and watching college football under the lights on a perfect Fall Saturday. Spent the day with some great friends and broke away from the Orange Curtain for a night. #ILoveLA.
Some days or weeks, life just happens when you least expect it to.
My wife and I whom both work full-time in heavy sales roles were smacked in the face with the reality that our nanny has to tend to her own sick child for the next few days.
My wife was literally getting ready to walk out the door for work yesterday when she got the sudden news from our nanny. Without hesitation, she stopped what she was doing and readjusted her entire day to care for our daughter.
Today it’s my turn but I am not complaining, I love this girl!
Technology allows me to get my work done anytime, anywhere. Albeit on my daughter’s clock today, not mine. I have my Agency Management System, my work phone, and my email all at my fingertips which allows me to serve my clients regardless if I am sitting in my office or not. Not to mention my support staff back at the office. How great is that?
I may not be as productive, but I’m not skipping a beat either.
Kids or not, life happens to everybody and we all must face reality. Props to my fellow soldiers out there juggling life and work and finding ways to get it done. It might not always be pretty, but somehow it always miraculously works itself out.
Yesterday, the Small Business Administration (SBA) Office of Advocacy published a fact sheet by research economist Daniel Wilmoth that indicates more small businesses are opening than closing. In 2017, the number of businesses in the U.S. increased by about 118,000 with various levels of growth depending on the region. In all, 975,000 new businesses had opened by the end of 2017. The number of businesses that closed fell from 859,000 in 2016 to 857,000 in 2017. Business openings have exceeded business closings for 28 consecutive quarters, Wilmoth noted. California accounts for nearly one-third of the net increase of businesses in 2017, with 38,000.
Source: Long Beach Business Journal
In honor of National Small Business Week, the United States Small Business Administration and the SCORE Association are hosting a three-day virtual conference on topics such as consumer behavior, discrimination, and harassment, gaining repeat business, marketing and more. The free conference for small businesses is from 9:30 a.m. to 3 p.m. each day from May 1 to May 3. Click here to register.
The webinars include the following topics:
- How Changing Consumer Behavior Impacts Your Business
- Addressing Discrimination and Harassment in the Workplace
- Get New and Repeat Business On Autopilot with Email Marketing
- Creating and Sustaining a Strong Social Presence
- The U.S. Economic Outlook and Its Impact on Small Businesses
- Managing Your Finances in the Cloud
- Grow Your Business in 2018
- Simple Steps to Choosing the Right Financing
- Simple Steps to Choosing the Right Financing
- Sharing Your Story Through Video
- Pop & Play: How Opening a Pop-Up Shop Can Help Launch Your Retail Brand
- Fusion Marketing: The Next Generation of Marketing
I hate to be a Debbie downer here, but the annual ranking of states by U.S. News & World Report places California last for its quality of life and 32nd overall when all categories are rated. The categories of the “Best States” report and California’s ranking among the 50 states is as follows:
- Healthcare, 11th;
- Education, 26th;
- Economy, 4th;
- Opportunity, 46th;
- Infrastructure, 38th;
- Crime and corrections, 28th;
- Fiscal stability, 43rd;
- Quality of life, 50th.
The latter was based on two elements: natural environment and social environment. Iowa is first in the overall rankings, followed by Minnesota, Utah, North Dakota and New Hampshire. To view the full report and state-by-state rankings, click here.
If the weather were a category, there’s no question that California would take the gold medal.
Roughly 14 million Americans are expected to call in sick on Monday — making the day after the 52nd Super Bowl Sunday one of the biggest sick days of the year, according to a survey by the Workforce Institute at Kronos and Mucinex. Post-Super Bowl Monday is “notoriously known as a day where people call out of work,” with 1 in 5 Americans saying they’ve called in sick over the years. This year is expected to be down from the 16.5 million who had said they planned to call in sick last year after Super Bowl Sunday.
California health officials said last week that the state’s flu season could turn out to be one of the nastiest the state has seen in the last ten years. “I was flat on my back and in bed for 10 days,” said one So Cal resident. “This has been hands down the worst flu I’ve ever dealt with.”
When someone in your household comes down with the flu, there’s a good chance others in the house will catch it too based on their exposure and close proximity. The same applies to the office or workplace.
An outbreak at the office can also seriously affect your business operations. All it takes is one infected to put others at risk and spread the virus. Fewer hands on deck could potentially impact productivity and operations.
Here are Five Tips for Business Owners to Help Reduce the Potential Spread of the Flu:
Consult the Centers for Disease Control and Prevention for additional suggestions on preventing the flu and maintaining good health habits. The more proactive you are, the greater likelihood you’ll have in decreasing the flu exposure and maintaining your company productivity and operations.
Yesterday, California State Treasurer John Chiang introduced the California Business Incentives Gateway, an online resource connecting business owners and entrepreneurs with resources to help them grow, including employee training, assistance with permitting and sales tax exclusions.
The California Business Incentives Gateway (CBIG) is a tool from the State Treasurer’s Office that brings together all of the state and local business development incentives to a single access point.
See more here:
Business insurance coverage for a commercial operation can include the following and more:
General liability insurance: Covers third party liability claims for injuries to other people.
Professional liability and malpractice insurance: aka Errors & Omissions Insurance (E&O). E&O covers professionals against loss due to negligent professional duty, wrongful acts, and advice and services that lead to another person’s loss or injury.
Product liability insurance: Covers against faulty products and damage, illness, injury or death that may occur from using a faulty product.
Property insurance: Covers loss and damage to your commercial business property due to fires, theft, storms and other causes.
Commercial vehicle insurance: Covers commercial vehicles and drivers for collision, liability, property damage, personal injury and “comprehensive” (now known as “other than collision”).
Workers compensation: Covers your employees if they become ill or injured while working on the job.
Loss of income: Also referred to as Business Income, this covers your business expenses such as rent and employee wages if you can’t operate your business.
Key person insurance: Covers loss of income that may result from the head of the business or other key personnel becoming incapacitated or passing away (also known as key man insurance).
Cyber-crime insurance: Provides protection for risks due to Internet use and online communications.
Each and every business is unique. A food products manufacturer or distributor doesn’t have the same risk exposures as a software developer. As an everyday Joe, you’re expected to know if you need these coverage’s or not for your business. If your head is spinning or you’re feeling overwhelmed, this is why you work with an insurance agent or broker.
Let’s face it, most people really don’t like insurance, they don’t care to read their policies, and they just wish someone else would take care of it for them. I like insurance (don’t judge me), I read policy forms all day long for my clients, and people call me to handle all their business insurance needs so they don’t have to. Pick up the phone and call me today or email me if you have questions about these overage’s and whether your business needs them or not.