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Sparks Insurance, Inc. Blog: business insurance

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It might seem as if summer is scarcely over. But if you own a retail or e-commerce business, you know that now is the time to start preparing for the fall and winter holiday shopping season. According to a survey conducted by CreditCards.com, as of Labor Day weekend, 70% of Americans had already started their holiday shopping. READ MORE >>

Cyber attacks are on the rise across the world. From WannaCry to Equifax, the impact has affected countless individuals and industries alike.  While cyber attacks tend to be associated with large companies — Sony, HBO, and most recently with Equifax — the truth is no one is too small to be immune from a cyber attack threat. READ MORE >>

The Travelers 2017 Risk Index is out, and for the fifth year in a row, fewer American consumers, business owners and executives think the world is becoming a riskier place.  This year, 52% of consumers say they believe the world is getting riskier, compared to 56% in 2016 and 63% in 2013 when the study was first conducted, as shown in the chart below from Travelers. READ MORE >>

(Picture Source: Selective Insurance) Electronics are an essential part of modern life. Even if you're a fan of doing things the old-fashioned way, it's fairly hard to get through a day without a computer, phone or other device plugged into an outlet. READ MORE >>

  Trust and loyalty are desirable traits in family structures and in business; however, these traits can also leave a family business vulnerable. In fact, family businesses are especially vulnerable to fraud, according to the Association of Certified Fraud Examiners’ (ACFE) 2016 Global Fraud Study. READ MORE >>

  Depending on an employee's line of work, they typically aren't too concerned for their safety while they're on the job. But that doesn't mean the risk of an accident isn't lurking around the corner waiting to strike.  Being prepared is the name of the game, and no two businesses are alike. READ MORE >>

For many decades, having a job meant being an employee of a company—often for life. Today, it’s a different story. That’s because many people are a part of the so-called gig economy of independent consultants who often move from one job to the next. READ MORE >>

  The summer is ripe for fun, but as the saying goes, it’s all fun and games until someone gets hurt. Make sure your business is prepared to combat these five big summertime risks, as told by the experts. 1. Heat-Related Illness READ MORE >>

"It sounded like a freight train." This is a common description from those who have experienced one of nature’s most violent phenomena: a tornado. Advances in research and technology have improved identification and measurement of critical elements of super cell storm systems, which makes predicting and identifying the development of a tornado far more effective. READ MORE >>

Many businesses are not prepared to respond to man-made or natural disasters. Statistics show that of the businesses that close because of a disaster, at least 1 in 4 never reopens. Small businesses are particularly at risk because they likely have all of their operations concentrated in one location that could be damaged or destroyed. READ MORE >>

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