Tips for Growing an Established Business

Try out these suggestions to help your business expand.Tips for Growing an Established Business

If your business is already established, expansion might not be the first thing on your mind. However, it’s important to remember that the competitive business world tends to reward companies that are constantly looking to grow and evolve. Here are some suggestions to help your established business expand.

Rebrand

If your company already has brand recognition, the idea of rebranding might seem crazy. However, for your business to expand, it’s important that your brand image accurately represents your company. If you find that your brand no longer fits, then its time to consider rebranding your business.

Listen to Your Customers

If you want to expand by offering new products and services, then turn to your customer base for advice. As your customers have likely been with your company for a while, they will be able to tell you where your business is lacking. By offering the things that your customers want, your business can grow in a way that provides value to your clients.

Seek Useful Partnerships

If your business simply does not have the resources to offer what your clients want, then look for a company that does. By partnering with another company, you can create a relationship that’s beneficial on all fronts. Both companies will benefit from increased business, and the customer base of each company will benefit from having access to an extended number of products or services. This is a great way to expand your business without having to invest too many additional resources.

Try out these suggestions to help your established business expand.  Want another way to set your business up for success?  Then make sure you have it covered by the right commercial coverages.  To find the right policies to meet your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Tips for Choosing the Best Employees

Learn how you can assemble a dream team for your business.Tips for Choosing the Best Employees

A good team of staff members could make or break your business.   That’s why it’s so important to make sure that you are hiring the right employees for your business.  Not sure how you can assemble the perfect team?  Here are some tips for hiring the best.

Focus on the Candidate, Not the Resume

When hiring, many employees get too caught up a candidate’s accomplishments and skill set.  However, the type of person you are hiring is often more important than their credentials.  Even if a candidate doesn’t have a lot of experience, if they seem like a good fit for your team and profess a willingness to learn, then you should give them a shot.  In most cases, choosing an employee based on their attitude and personality works out better than simply choosing the candidate with the most impressive resume.

Conduct an Investigation

Employee fraud can be absolutely devastating for your business.  That’s why it’s so important to make sure that you do a thorough background check on any of the candidates you are considering.  Check for any criminal records or undisclosed issues, and make sure you follow up with an employee’s previous employers to ensure that they don’t have any history of fraudulent behaviors.  Taking this extra precaution will protect you against hiring an employee who might hurt your business.

Offer a Trial Run

One of the best ways to ensure that you are hiring the perfect employee is by letting them work for a trial period.  During this time, observe how the employee interacts with other staff members, how they deal with client relations, and how strong their work ethic is.  Seeing an employee in action is often the best way to make sure you are hiring the best staff member for your team.

Try out these suggestions to help you assemble a dream team for your business.  Want another way to make your business thrive?   Make sure you have the right insurance coverage to protect you against any risk your business might face.  To get the policies you need, contact the experts at Miller Insurance in Carlisle, Pennsylvania.  Our dedicated team is ready to get you covered today.

3 Types of Business Insurance You Didn’t Know Existed

3 Types of Business Insurance You Didn’t Know Existed

Protect your business with these policies that you didn’t know you needed.

While most business owners have the standard liability, worker’s compensation, and commercial property insurance policies, simply relying on these policies may mean that there are gaps in your coverage.  Learn about these 3 little-known types of insurance and consider whether they’d be a good fit for your business.

1) Employment Practices Liability Insurance

This type of policy protects employers against claims filed by employees, such as discrimination, wrongful termination, harassment and so on.  While many large corporations tend to have a plan for dealing with employment lawsuits, many small or new businesses are susceptible to these claims.  If the claim becomes a lawsuit, Employment Practices Liability Insurance can cover legal defense costs for the insured.

2) Income Stabilization Weather Insurance

While most people are familiar with the insurance that covers natural disasters (hurricanes, earthquakes, tornadoes, etc.), many are unaware that there are also insurance policies that cover damage inflicted by less extreme weather.  Income Stabilization Weather Insurance covers profit lost due to unfavorable weather conditions.  This type of insurance is particularly helpful for business that depend on foot traffic, or for outdoor businesses like ski resorts, golf courses, and restaurants.

3) Cyber Liability Insurance

Cyber Liability Insurance can be a necessity for companies that handle much of their business on the internet.  This type of insurance protects businesses from losses caused by data breaches and covers the cost of customer notification, credit monitoring, etc.  Some policies may also cover the costs resulting from business being interrupted due to a data breech.

Protecting against any possible dangers might be the difference between a thriving enterprise and failed company.  For help and advice in crafting your most comprehensive business insurance package, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Things to know about insuring your home business

Running a home-based business isn’t easy, here’s how you can insure it to protect your business equipment.

If you run a business from the comfort of your own home, you may not have enough insurance to protect your business equipment. A standard homeowners insurance policy provides only $2,500 coverage for business equipment, which is likely not enough to cover all of your property associated with your business. As a business, you will likely need coverage for liability and lost income. You put blood, sweat, and tears into your business so insuring it is important for its livelihood.

Regardless of what insurance policy you choose, you need professional liability insurance. Here are the three basic kinds of liability insurance you should consider — depending on the nature of your business.

  1. Homeowners Policy Endorsement

You may not need to take out an entirely different policy. A homeowners policy endorsement just adds protection to your already existing homeowners policy to double your standard coverage for business equipment like computers and printers. 

  1. In-Home Business Policy

An in-home business policy provides more comprehensive coverage than the homeowners policy endorsement. In addition to the protection for your business, this policy could reimburse you for the loss of important papers and records. It may even pay for the income you lose if your home is so badly damaged from a covered peril that it forces you to temporarily pause your business.

  1. Business Owners Policy (BOP)

If your business is on the bigger side of things, as far as home businesses are concerned, then homeowners insurance policy and any add-ons won’t exactly cut it. It covers business property and equipment, loss of income, extra expenses, and liability—like the other policies, only on a much grander scale.

Whichever you choose is best for your business, it’s important to realize that not even your business is immune to dangers. Contact Miller Insurance, your independent insurance agency, to learn how you can safeguard your hard work with business insurance for your small business.

Workers’ Compensation Insurance: Do You Need It?

Workers’ Compensation Insurance: Do You Need It?

When you hire a nanny, babysitter, or a caregiver of any sort, do you need workers’ compensation to cover the liability?

When you have an employee under your services like a housekeeper, senior caregiver, or nanny, having workers’ compensation can offer the protection you need if that employee gets injured while on the job. Your nanny can step on an unmerciful LEGO brick, your housekeeper can fall down a flight of stairs, the caregiver may pull their back trying to pull your parent from bed; the possibilities of injury are near endless. When you hire a caregiver, make sure that you have the right workers’ compensation under your policy.

  1. Why Have Workers’ Compensation?

Only about half of all states in the U.S. require that employers own workers’ compensation. Because of this, these employers may think that they don’t need this policy. Workers’ compensation can help take care of the employee, but more importantly, it works as a financial shield for you.

  1. What Happens if the Caregiver Gets Hurt?

If your employee gets injured while they are on the job, you must alert your carrier and include the necessary information like date, location, time, names, and contact information. The insurance carrier will take care of the medical bills, up to the limit, and even give the employee money for lost wages.

  1. Why Can’t I just Pay the Medical Bills?

Nothing is stopping you, but it’s just not the way things are done. Just offering to cover the medical costs to take care of the injury and save you the claim may come back to hurt you. If your employee’s injuries recur or flare up, you may have to deal with even more bills.

For all of your business insurance needs, like workers’ compensation, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Liability Risks from Using Social Media

Liability Risks from Using Social Media

You may think that social media is all fun and games until a lawsuit lands on your lap, here are a few of the liability risks that come with social media.

Like it or not, what you post on social media matters and its effects can be a real game-changer for the business that knows how to wield this power. Don’t believe us? Let’s take a ride back in time. The year is 2013, and DiGiorno’s Pizza live-tweets (the act of tweeting along with an event, usually a live event) The Sound of Music. The frozen pizza company managed to create some serious goodwill for its timely and quirky tweets.

By contrast, social media can have a negative effect on your business, as highlighted by the very same company, DiGiorno’s Pizza, when they attempted to make a joke on the #WhyIStayed tag on twitter that dealt with domestic violence.

Yikes.

Some mistakes can even have legal consequences. For example, you can’t do the following:

  • Publish someone else’s words or likeness to promote your business without their expressed consent.
  • Copy someone’s advertising.
  • Post copyrighted content without the copyright holder’s consent.
  • Publish content that is libel–or the false information of a person or entity. (Even in the word of “alternative facts.”)

How to Keep Your Social Media Out of Trouble

  1. Purchase a general liability insurance policy because mistakes may be made. To err is human, to purchase a liability policy is divine.
  2. Make sure that your employees always get your approval before they post on behalf of your company.
  3. Plan your social media in advance, that way there are no unwanted surprises; the only surprise being an increase in followers and customers!

Like all tools, social media needs to be handled with care, lest it turn on you. For all of your business insurance needs to ensure you have the right social media liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

The Most Popular Password Is Painfully Easy to Guess

The Most Popular Password Is Painfully Easy to Guess

By creating an easy-to-guess password, you are practically inviting hackers and cyber criminals to take all your sensitive information.

It’s official: people are just painfully and agonizingly bad at creating passwords.

The world’s most common password is the incredibly easy to guess, 123456, according to a massive analysis of 10 million leaked passwords.

Throughout the year of 2016, there were many major data breaches that leaked people’s login info online. Some of the login info was new but most of it was years old.

In either case, the breaches allowed researchers to take an unparalleled look at the security habits people have developed over the years. They were all but disgusted.

After having trawled through 10 million passwords, the researchers found that a shocking 17 percent of people use the most insecure password one can think of: 123456. In second place was the slightly longer but equally depressing, 123456789, followed in third place by qwerty which only required users to shift their hand about one centimeter south. Then came 12345678 and then an eye-opening 111111.

For being the 21st century, too many people are using archaically antiquated passwords. “Looking at the list of 2016’s most common passwords, we couldn’t stop shaking our heads,” wrote the lead researcher.

While the leaking of passwords is unfortunate, it may have been necessary to alert people on their insecure habits that not only put them at risk, it can put the safety and security of their loved ones at risk as well.

If your password is any of these, you need to change them immediately for your security:

1. 123456

2. 123456789

3. qwerty

4. 12345678

5. 111111

6. 1234567890

7. 1234567

8. password

9. 123123

10. 987654321

11. qwertyuiop

12. mynoob

13. 123321

14. 666666

15. 18atcskd2w

16. 7777777

17. 1q2w3e4r

18. 654321

19. 555555

20. 3rjs1la7qe

21. google

22. 1q2w3e4r5t

23. 123qwe

24. zxcvbnm

25. 1q2w3e

How to Make a Strong Password

  • Mix upper- and lower-case letters.
  • Use special characters like [email protected]#$%^&*()?<>
  • Use numbers betwixt your characters.

The internet can be a safe and secure place, but only if you make it so. For all of your business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.