​The bad news is that many companies still do not hire full-time employees. That is one of the consequences of a sluggish economy. However, the good news is that many of these companies are hiring independent contractors. While contract jobs are merely temporary, they are actually the first step to becoming known before one can get into a full-time position in case one becomes available. Here are the four most popular contractor jobs at present.

​You need commercial auto insurance to protect your company from claims by a third party who wants compensation for any bodily injury caused by the vehicle that your business owns. Auto liability coverage is like your typical insurance, so expect exclusions. There is no coverage for exclusions since these are risks that are uninsurable. The following are the usual exclusions specified in your commercial auto insurance policy. 

​If you start a small business, you may have to leave your job’s comfort zone and embrace an uncertain financial future. However, with proper planning, adequate initial capital, and a mind that is ready to take risks, then you can surely sustain the start-up period. These are the most important reasons why you should start your own business.

​A business owners policy can protect you in case of a lawsuit. Sometimes, it is inevitable that a business may face problems such as a customer slipping on your premises or damage to customer property. Certain factors that determine the amount of your coverage include your endorsements and policy limits. 

In general, the businesses that qualify for a BOP are those with a small footprint and have low risks. They usually combine property insurance and general liability insurance at a reduced price. You may qualify for a BOP if your business:

​It can be overwhelming when choosing the perfect vehicle for your business. It does not matter if you are buying a fleet of vehicles or just one; there are many factors to consider. To start with, you need to take into account the operating cost and capital outlay. 

You want a vehicle that can optimize business efficiency. So, where do you begin? Here are some things to think about when buying a company car:

​Preventing injuries is the best way to reduce the contractor’s compensation cost. Let your employees involved in identifying work practices that are hazardous and harmful. A good insurance provider offers advice to business owners to establish and maintain a safe workplace.  Accidents happen anytime unexpectedly even with precautions taken. Reducing workers compensation also means reducing risks so here are a few tips on how to cut cost on compensation.

​Contractor’s Insurance has multiple policies covering risks general contractors.  It protects your business from possible losses that may occur during normal operations. Putting up a small business means it has a significant investment. It also minimizes financial risks related to sudden events.

Know that contractor’s insurance gives you peace of mind because you covered your business from work accidents to unhappy customers.

​Being a contractor means being the boss of your own business. Given that you have the right skills and certification, you can enjoy its many benefits. The industry of freelance contractor is a booming one, as many companies today prefer to hire contractors than employ full-time employees. 

But, being a self-employed contractor comes with some challenges. You need to prepare yourself and know how to address each one of them.

​Business owners policy is the combination of commercial property insurance and general liability. A BOP is a cost-effective type of insurance that startups and small businesses can benefit from it. You can also customize according to the needs of your business. 

Many businesses choose to put them together instead of buying separate liability coverage and property coverage. A BOP is considered a great bargain of a package for small and mid-size businesses. 

Consult with your broker if your business is eligible for business owner policy insurance. Usually, the business revenue, location, size, and type determine whether you qualify or not.

​A recent survey has discovered that a staggering number of workers pointed their fingers in their current jobs for their weight gain. Those who have high levels of stress and those who sit for long hours at work are most likely to be plagued with obesity. 

Generally speaking, there are many reasons why your waistline is increasing due to your work. Here are some common culprits and how to address them properly: