How To Tell if Your Business Is Haunted

Ghost Payroll

How To Tell if Your Business Is Haunted

Imagine a place where mysterious people move unseen, signatures appear out of nowhere and you are troubled by a nagging feeling that something is not quite right. No, it’s not a haunted house. It’s your business, or at least it could be if you are unfortunate enough to be the victim of a special type of fraud called “ghost employees.”

Who Are Ghost Employees?

Ghost employees are not actually employees at all. They have names and receive paychecks but do not really come to work. They are fictitious creations made by a real employee who then pockets their real money every payday.

How To Know if You Are a Victim

Do the following to determine whether you have been a victim of a ghost employee scheme:

  • Create an opportunity to meet all your employees face-to-face, and determine whether any are missing.
  • Check payroll documents for irregularities.
  • Check bank statements to see if any paychecks have been signed over to someone else.
  • Give special attention to records kept by managers or payroll employees whose work is generally unsupervised.

A study reported by the insurance firm found 27% of businesses were impacted by a ghost employee scheme. If you discover you are one of them, you won’t need an exorcist to cast out your ghosts. You will need crime insurance. A good policy can be like a night light to keep the ghosts away.

Caitlin Morgan Insurance

Why You Need a Return to Work Program

Following a worker’s injury, a return to work (RTW) program is vital to getting a recovered employee back to work safely and efficiently. An effective RTW program benefits both the employer and the employee.

It is critical that you work with an insurance company that is familiar with Workers Comp claims and RTW insurance and understands how to ensure the company and the employee are taken care of. Caitlin Morgan Insurance suggests that a return to work program can reduce the risk of you losing a valuable employee after an injury and extended recovery. This saves you time and money as an employer because you retain your experienced employees and don’t have to re-hire and re-train a new team member. A return to work program also shows your employees that you value them. This increases the employer-employee relations and helps increases their productivity upon return. A successful RTW program is truly a win-win situation because the employee gets back to work sooner and can feel more connected with team members and is less likely to lose their skills and financial security.

No one wants an injury while on the job. It can cause stress and frustration for both the employer and the employee. Take some of the angst out of workers’ comp claims by implementing a well-planned return to work program. You’ll find the benefits to both parties are immeasurable.

Daniels Insurance Inc

Don’t Let a Malpractice Suit Hold You Up

No lawyer likes to mention this or even think about it, but there may be a point in your legal career when a client sues you and claims legal malpractice. Whether this is due to an accidental error on your part or is simply because of a client’s dissatisfaction, this kind of claim can take a lot of resources and valuable time, as stated by Daniels. To mitigate this risk to your practice, you need legal malpractice insurance.

Common Reasons To Have Insurance

In some states, this insurance is required for law practice to be in business. Be sure to check your state’s regulations regarding this. However, even if it is not required, it is a good idea to have malpractice insurance as it can protect your business and help you seem more reputable. To give you a better idea of what this type of claim looks like, here are some common examples of malpractice claims:

  • A client feeling like he wasn’t represented fairly in a family dispute
  • A conflict of interest
  • A breach in attorney-client privilege
  • A client’s case being dismissed due to errors or omissions

Be Proactive in Protecting Your Law Practice

If you want to make sure your law practice is protected against claims of malpractice, you need legal malpractice insurance. Don’t wait until it’s too late to get this insurance. Protect your practice in advance so you can be ready.

Fuel Distributor Insurance

What Counts as a Fuel Distributor Business?

Fuel dealers go beyond the large corporations such as ExxonMobile. While these companies need fuel distributor insurance, there are nearly 8,000 companies in the United States. These companies distribute a variety of fuel to power the economy.

Business Details

Both homes and businesses use fuel to power their buildings from heating to running large machinery. A fuel distributor sells and delivers the necessary fuel. This fuel includes standard gasoline but also propane, natural gas, fuel oil, and kerosene.

Fuel Delivery

Companies deliver fuel in large tanker trucks traveling across towns, states and the country. Some fuel is delivered via pipes and ships. Natural gas, in particular, is often transported through steel pipers on a network similar to the highway system. Distribution businesses are often found online showcasing their pricing, location, and availability.

Exposure Coverage

As seen on, this niche has specific risks needing tailored insurance products to address those exposures. A disaster can cause a significant problem for a fuel distributor making insurance necessary for protecting the financial assets of the business. Standard policies include contents coverage, auto insurance, and building coverage.

Fuel distributor insurance needs to cover the variety of risks facing these companies from the environmental impact of a spill to the economic loss of income following a disaster. The right insurance carrier delivers the coverage you need to keep your business growing.

iwa ins

Three Tricks For Your New Laundromat

Congratulations on opening your brand new laundry business! Starting a company is no small feat, and the beginning stages are always the most precarious as an entrepreneur. Set yourself up for success so that you are in business for many years ahead of you.

Coverage For Your Business

Small business coverage is essential. If you were to face a lawsuit without insurance, you run a very real risk of losing everything that you have worked so hard for. Check out more information on to learn about the best packages that are specific to laundromats and laundry businesses.

Online Marketing

Take your advertising out of the newspaper and onto the internet. Supporting small businesses is a huge movement in the United States right now, and consumers want to shop locally. Platforms like social media and a stunning website are two great ways to draw in a local crowd.

Clean and Tidy

Your business is laundry, and dirty laundry is gross. Set your establishment apart from the competition by focusing on keeping it as clean and sanitary as possible. Sweep or mop any spills, regularly disinfect machines and ensure that the place doesn’t smell funky. It makes more of a difference then you realize!

Laundry never stops, which makes your business a pretty lucrative one. Figure out the best ways to make your laundromat shine in comparison to others’ to rake in more clientele.

Inland Marine Insurance

Understanding Inland Marine Insurance

When looking at a list of possible insurance options, you may disregard inland marine insurance because you believe the coverage has to do with water, but it does not. The coverage is specifically designed for companies transporting goods, equipment, and materials overland by train, semi, truck, or carrier.

Business Protection

If your business ships equipment or products to different locations, or stores goods in a warehouse owned by a third party, inland marine insurance can cover you. Since basic coverage of property often excludes high-value items, equipment, or manufactured goods, this type of insurance can be especially valuable. Do you travel to trade shows around the world with a booth full of items or have valuable band equipment and stage supplies you travel with across the country? IMI is perfect for your business needs. It can cover scientific equipment, electronic items, networking products, construction gear, and medical paraphernalia.

Business Coverage

According to, you never know when your tools, equipment, or products will be stolen or when the vehicle transporting the items will be in a collision. Providing coverage against property loss is what an inland marine policy is all about. If you own a warehouse that moves products in and out frequently, look to IMI for protection.

To better understand what your insurance needs are, contact an insurance professional. Don’t forget to ask about add-on policies for extra coverage.

Kevin Davis

What Rights Do Homeowners Have Against Their HOA?

A Homeowner’s Association is intended to help maintain a clean and attractive atmosphere in the neighborhood that falls under its purview. It is a private association that is usually formed by a developer. Any homeowners who live in an HOA area sign contracts that require them to abide by certain community rules and guidelines. Unfortunately, in some cases, HOAs can become unfair and even tyrannical in their operations. When this happens, it’s important to understand the homeowner’s rights against hoa organizations.

What Can’t HOAs Do?

It may seem like HOAs can do whatever they want and get away with it, but there are certain rights homeowners always have. Here are a few things HOAs should never do:

  • Hand out random fines
  • Discriminate on the basis of ethnicity or race
  • Force you to take down your cable dish
  • Create rules without sufficient notice

If your HOA does any of these things, you have a right to fight back. There are certain insurance products companies like Kevin Davis offer that are intended to offer assistance and coverage if legal issues arise between homeowners and the HOAs in which they reside. The best course of action is to make sure you carefully read through your homeowners’ contract before pursuing legal action against your HOA. If you review your agreement and discover that your HOA is out of line, learn about homeowner’s rights against hoa.

Need for Risk Management

Recognize Your Company’s Need for Risk Management

Recognize Your Company’s Need for Risk Management

Businesses encounter risks and exposure based on the nature of operations and the actions of employees. While carrying a solid insurance plan is one way to minimize the financial effects of an incident that creates a loss, conducting a risk assessment and management plan is what the experts at recommend for reducing the number of incidents that may occur.

Areas of Risk

Some industries have a higher risk than others and in more sensitive areas. The finance industry has to contend with threats of employee theft, fraud, and issues with cybersecurity. Those who work in manufacturing deal with safety concerns for their employees, but also the potential for product malfunction or defect. A risk assessment recognized these areas of exposure, then develops strategies to address them. In manufacturing, it could be establishing more rigorous manufacturing job training programs. In the financial sector, strong firewalls and security protocols could be the answer.

How to Develop a Plan

Risk management programs are often used in conjunction with comprehensive insurance plans. Many insurance providers are able to help craft a risk response, and in doing so, it could help lower your premium costs. If you want to conduct a risk management assessment, make sure it is done systematically and thoroughly. Also, establish a process for recording the results and continually reviewing them in order to evaluate how much progress your company is making.

classic car insurance

Classic and Vintage Cars: What Is the Difference?

Are you interested in old car collection? Then you will need to familiarize yourself with many concepts and terms. As you enter this world, you might hear the terms “classic cars” and “vintage cars.” Even though they sound interchangeable, they have significant differences. Find out more about vintage vs classic cars and why those differences matter.

Classic Cars

Classic cars are newer than their category implies. A vehicle considered classic needs to be at least 20 years old. Organizations such as the Classic Car Club of America have greater restrictions. They believe a classic car must be created around 1915-1948, stay unmodified and be maintained to high standards set by the manufacturer’s specs.

Vintage Cars

The term “vintage car” is applied to old cars, but it covers a specific car category. Vintage cars were created around 1919-1930, the time period after World War I. They are sometimes associated with pre-war cars, but some of those cars were manufactured up to 1939.

The Importance 

Some insurance providers follow these differences, so it is important to learn them when insuring vehicles. However, indicates that many companies also use those terms without distinction or have their own specific definitions. You will need to stay flexible and adapt to their terms.

Classic and vintage cars may mean the same to most people or insurers, but they have their distinctions. Learn the differences to show your expertise and choose the right insurance plan.

The Importance of Keeping Your Toys Safe

Whether you get a thrill out of riding your motorcycle or taking your boat out on the water, these valuable possessions are an essential part of your lifestyle. To enjoy them to the fullest, it’s crucial to keep them properly protected. Here is what you should look for if you’re seeking reliable coverage for your toys.

Injury or Damage

An integral part of any toy insurance policy is liability coverage. Liability typically includes bodily injury and property damage that may have resulted from the use of your toys. In many cases, this type of coverage can be catered to the specific type of toy you have.

Medical Payments

If you ever experience an off-road accident while using one of your vehicles, you can be protected with the right coverage. The firm David Sayles Insurance reports that any medical payments that may result from medical care after an accident can be covered by a toy insurance policy. As a result, you can have peace of mind if anything goes wrong while using your vehicle.

Damage to the Vehicle

It’s also vital to ensure that the toy itself is well protected. With comprehensive coverage, you can keep your toy safe if any of the following events occurs:

  • Fire
  • Flood
  • Vandalism
  • Theft

There are many different circumstances that may pose a threat to your vehicle. Fortunately, you can know that everything is under control when you choose the toy insurance policy that’s perfectly tailored to your needs.