According to the U.S. Geological Survey, there are approximately 10,000 earthquakes in Southern California every year. Most are so small that people don’t feel them — but some are much larger. Think of the Ridgecrest earthquakes of July 4th and July 5th, which had a magnitude of 6.4 and 7.1 respectively and caused an estimated … Read more
When you run your own business, you’re always looking for things that can help you lower expenses and give you a competitive advantage. But did you know that offering your employees group health insurance for small businesses can do both? Grand Mutal Insurance is a full-service agency that specializes in business insurance solutions. To us, … Read more
Building your own company is challenging. It takes time, effort and money to get your business profitable and look forward to expanding in the future. Naturally, the last thing you need is for something to happen that will jeopardize all of your hard work. As seasoned business insurance experts, Grand Mutual Insurance has put together … Read more
Some people believe that on average, entrepreneurs work 60 hours a week. However, if you’re a small business owner, the truth is that you’re always working to some extent. Your phone is on 24/7 in case of emergencies, every new contact you meet could lead to a new opportunity, and each economic development could have … Read more
Everyone who’s worked in a restaurant kitchen understands the risk of fire. From flames getting out of hand when you’re flambéing a sauce to a grease fire in the deep fryer to an electrical fire caused by a defective mixer, the potential for serious problems is a real issue that restaurant owners need to be … Read more
Imagine the following scenario: Your business produces paint for commercial applications. Unfortunately, due to an earthquake, there’s a spillage of some of the waste materials. It affects the ground, water and air close to your plant — including land that belongs to a neighboring business. Of course, you’re responsible for remediating the pollution on your … Read more
Did you know that as many as 75% of U.S. employees admit they’ve stolen from an employer before? If you’re a small business owner, employee theft can have a devastating impact. Both on a financial and a personal level. The Balance Careers reports that employee theft costs U.S. companies approximately seven percent of their yearly … Read more
Our economy is thriving. According to the Small Business Administration, in 2018 there were 30.2 million small businesses with a total of 58.9 million employees in the U.S. In fact, small businesses make up 99.9 percent of all U.S. companies and account for 47.5 percent of all employees. So, if you’re planning to expand your … Read more
If you’re a small business owner, not being able to operate due to a fire, flood or other event is your worst nightmare. However, the truth is that this worst-case scenario can — and frequently does — happen. The good news is that you can protect your business against any financial losses you incur as … Read more
According to the U.S. Small Business Administration Office of Advocacy, in 2014, approximately half of the 29.6 million small businesses in the U.S. were home-based. Moreover, more than 60 percent of single proprietors and almost a quarter of small employer firms worked out of their homes. And although more recent numbers aren’t available, it’s to … Read more
One of your people picks up a heavy box — and throws his or her back out. Or perhaps an employee suffers a repetitive strain injury from repeatedly making the same arm motion at a workstation. Or maybe a team member suffers from eyestrain and headaches due to long hours at the computer. In all … Read more
With the ability to collect, store and analyze massive amounts of information, businesses are increasingly reliant on data to do everything from refine their products and services to determine how their customers want to be contacted. However, data breaches are on the rise. And according to an IBM study conducted by the Ponemon Institute, the … Read more
