Regardless of what industry you’re in, working as a contractor can be a tough gig. Your pay may be unpredictable, it can take time to build steady income, and you have to work hard in order to sustain your success. It’s unsurprising, then, that many people find they’re not cut…

As winter melts away, spring is right around the corner, and you know what that means — time to clean. Indeed, spring cleaning is a time-honored ritual that signifies new opportunities both in and out of the home. If you’re wondering how to prepare for spring cleaning, though, you aren’t…

Pets aren’t just the adorable furry creatures that live in our homes. 85 percent of dog-owners and 76 percent of cat-owners think of their pets as family according to findings by the American Veterinary Medical Association. With 70 percent of U.S. households now calling a pet a member of their…

You never know when it might rain, so it’s always best to carry an umbrella. Similarly, you cannot know all of your liabilities until they are exposed, so it’s best to invest in personal umbrella insurance. While the need for home or auto insurance may be self-evident, some people wonder…

Establishing clear expectations is an important part of any relationship. It’s especially important, though, in relationships between contractors and clients. These expectations should be outlined and agreed upon in the form of a contract. You might be wondering, what are the 5 essential elements of a construction contract? And what…

In the digital age, many aspects of our daily lives now happen online. This includes communications, purchases, and work — all of which entail the online transmission of sensitive personal information. It’s no surprise, then, that criminals have become savvy to the wealth of information that can be accessed and…

As a business owner, you may have wondered whether it would benefit your company to hire a dedicated, full-time risk manager to handle your workers’ compensation insurance, current claims, and other related issues. Effective Risk Management is important for numerous reasons, from helping to lower expenses for your company to…

Starting Saturday, January 15th, 150 million Americans who have private health insurance will be eligible to receive free at-home COVID testing kits through a new federal requirement. After purchasing a test online or in a pharmacy, those with private insurance plans will be eligible to seek reimbursement from their insurance…

Unpredictable winter weather can pose a significant hazard for drivers. Sudden storms, slippery roadways, and poor visibility increase your risk of an accident. Extreme temperatures and difficult terrain may also cause your car to act up and potentially leave you sitting. Prepare yourself and your vehicle in advance so that…