Worker's Compensation - Ways to minimize unpleasant bills for landscapers

Worker’s Compensation Audits…Avoiding Unpleasant Surprises

This time of year I often get calls from my clients wondering why they are getting huge bills from their insurance carrier....turns out most times it is the result of the annual audit. There are a couple ways to prevent this. One is to use the "Pay as you Go" option that some carriers offer. You simply report the weekly or bi-weekly payroll to your Worker's Compenstion carrier at the time you issue the checks. The carrier charges you based on [...]

Crane flipped

Risk Management – Introduction and Overview

Many of us in small business today, and landscaping specifically, equate risk management with insuring everything you should [and can afford to] but we all know in reality it can be a lot more. In fact, the topic can be overwhelming, but a basic framework such as the one below can help begin to think about mitigating risk you might not otherwise think about. Risk management is about identifying the risks and threats that could potentially affect your business. These [...]

Bonded Plate

Surety Bonds – An Overview from the Surety Information Office

This content is provided by the Surety Information Office, A surety bond is a written agreement where one party, the surety, obligates itself to a second party, the obligee, to answer for the default of a third party, the principal. Contract Surety Bonds provide financial security and construction assurance on building and construction projects by assuring the project owner (obligee) that the contractor (principal) is qualified to perform the work and will pay certain subcontractors, laborers, and material suppliers. Contract surety [...]


Attracting and Retaining Talent – A Top 2015 Risk According to Travelers

Everywhere you turn in our industry, attracting and retaining employees is on the list of top concerns.  In fact, it is number one in many people's mind.  Makes you wonder if we alone or are other industries in a similar bind? According to the Travelers 2015 Business Risk Index Summary, we are not alone.  "Attracting & Retaining Talent" is number five on Travelers risk index list and "U.S. businesses are increasingly worried about the challenge of finding and retaining skilled labor, [...]