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Sparks Insurance, Inc. Blog: 12_2017

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In the world of workers compensation, the subject of employee vs. self-employed independent contractor is complex. Employers are not required to provide workers compensation coverage for independent contractors. Likewise, employers are not responsible for payroll taxes and other legal obligations that are necessary for employees. READ MORE >>

The holidays are an exciting time of year full of get togethers, gifts and delicious food. While we’re focused on a season full of parties and fun times, a pet might think differently. Extra noise and visitors can leave pets feeling stressed. READ MORE >>

Sexual harassment scandals loom large among the events that shaped 2017. Fueled by revelations that longtime movie producer and studio executive Harvey Weinstein forced himself on dozens of women — including such A-list celebs as Salma Hayek, Gwyneth Paltrow, Ashley Judd and Angelina... READ MORE >>

As last-minute holiday shopping ramps up, the Boston-based nonprofit World Against Toys Causing Harm, Inc. (W.A.T.C.H.) has released its annual list of the 10 worst toys of 2017, informing shoppers of this year’s most potentially hazardous toys. W.A.T.C.H. READ MORE >>

Winter can be a risk to the continuity of business operations. Small business owners should be ensuring that their assets and operations are protected against the elements of the season. A strong handle on risk management can help to maintain stability during this season. READ MORE >>

What are the real reasons holding you back from getting life insurance? Are you like the majority of Americans who don't have it, but say that they know they need it? A study by the financial and insurance organization LIMRA shows that 6 in 10 Americans have life insurance—yet 30 percent of them feel they need more. READ MORE >>

Perhaps you’re finally earning enough to leave your family’s home and get your own place. Or maybe you’re tired of roommates or recently uncoupled with your partner. In any case, you’re a part of the rising demographic of people living by themselves with no partner, no kids and no roommate. READ MORE >>

Without a plan you can do major damage to your finances. Every year it seems like the holiday shopping season gets a little longer and a little more intense. What once began on the Friday after Thanksgiving and then crept to the holiday itself now begins as early as the start of November. READ MORE >>

Severe weather can be both frightening and dangerous for automobile travel. Motorists should know the safety rules for dealing with winter road emergencies. AAA reminds motorists to be cautious while driving in adverse weather. For more information on winter driving, the association offers the How to Go on Ice and Snow brochure, available through most AAA offices. READ MORE >>

Everyone enjoys being part of the holiday preparations from testing family recipes to decorating cakes and cookies. But when there are a lot of people and lots of activity going on around you, it's easy to get distracted. Get eight simple fire-safety tips that can help you and your family reduce the risk of kitchen fires during this joyous time of year. READ MORE >>

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