Blog | Coopers Insurance

“An Ounce of Preparation is Worth A Pound of Cure” [Emergency Preparedness]

Are you and your business prepared for an emergency? Do you have a plan in place in case of a fire, an earthquake, a robbery, a pipe burst, etc? Creating and enforcing an Emergency Preparedness Plan may not seem like a top priority for you, but if disaster strikes,...

27 October, 2016

If You Accept Credit Cards, You Must Know About FACTA

If your business accepts payments using credit cards, it is very important that you ensure you are in compliance with the provisions of the Fair and Accurate Credit Transaction Act (FACTA). Every year, businesses are sued for different violations of the FACTA. Here are some examples of provisions...

20 October, 2016

Final Paycheck Guidelines For A “No-Show” Employee

Do you know how to handle the Final Paycheck of an employee who has not shown up to their shift? When an individual you employ does not come in to work, it is STILL YOUR RESPONSIBILITY as the business owner to ensure you attempt to communicate with him/her regarding his/her...

14 October, 2016

How to Reduce Workers’ Comp. Claims by Providing Group Incentives

One of the most significant factors used to determine your business' Workers' Compensation Insurance policy Premium (or rate) is the number of Workers' Compensation Claims you have or had against your business (this is used to determine your business' Experience Modification, or Ex. Mod.). These claims are incidents reported by your employees when they...

09 October, 2016

Don’t Wait to Find Out!

Central Station Burglar Alarm systems and Sprinkler systems are fantastic systems for keeping your business safe, secure and as claim-free as possible. As wonderful as these systems can be, you cannot afford to wait until after a burglary or fire to find out if they were set-up correctly and...

28 September, 2016

How to Reduce Employee Dishonesty

Are your employees trustworthy? Employee Dishonesty is a serious concern for any business owner, and any procedure that can be put in place to prevent getting taken advantage of can be extremely valuable. One great tip we received from one of our restaurateur clients is to calculate what...

27 September, 2016

The “Yelp Effect” is Undeniable! (Business Reviews)

Would you like to know how to gain more customers, motivate your staff and get more positive reviews on Yelp? Yelp has become the industry standard for business reviews, and millions of people use it everyday to write reviews or to evaluate a business/service-provider for themselves. The...

16 September, 2016

The Importance of Love Contracts for Any Business

Would you like to know how having a Love Contract is essential to your business and minimizing Lawsuits/Claims? These are put in place to possibly reduce Sexual Harassment lawsuits/claims, which are increasing in occurrence these days, and include a large array of variables! Los Angeles-based labor attorney Alfred Landegger has graciously...

08 September, 2016

Restaurants Targeted with New Lawsuit for Charging Substitution Fee

As a restaurant owner, you strive to always cater to your guests' different eating habits and dietary needs. It is hard to imagine being penalized for attempting to provide to the needs of your customers. Specialty items, such as gluten-free substitutions, can increase a business' food...

02 September, 2016

Your Employee Handbook Could Be Held Against You!

A complete Employee Handbook is an essential tool for business owners, used to enforce consistent procedures among your business' employees. It is very important to note, however, that an INCOMPLETE/INACCURATE Employee Handbook can seriously work against you, the business owner! This is why it is highly recommended to have your...

25 August, 2016