Tags: Small Business

How to Reduce Stress and Enjoy the Holidays More at Work

How to Reduce Stress and Enjoy the Holidays More at Work

The winter holidays are a fun time of year for most of us. They also can be a stressful time of year between family obligations, financial stresses and work obligations. If you let it, the holiday season can become something to be dreaded instead of celebrated. This is the busiest time of year for many businesses, like Roper Insurance, which results in a necessity of additional shifts and overtime at many companies. For working parents, there are also a whole lot of school and other events they need to attend... Read More

How to Protect Your Company Against Employment Lawsuits


As a business owner, your goal is to hire the most qualified employees. Unfortunately not every hiring decision goes as planned. Even if an employee is terminated for legitimate reasons— such as poor attendance or unsatisfactory work habits—every termination opens the door for a potential lawsuit. Read one business owner’s experience and then learn how employment practice liability insurance (EPLI) can help protect you and your company from costly, frivolous lawsuits. When Mary, a Colorado business owner, received a complaint that her sales manager made crude, disparaging remarks to a... Read More

What Every Employer Must Know About Their Group Health Plans

What Every Employer Must Know About Their Group Health Plans

Open enrollment for 2017 insurance plans is just around the corner. If you haven’t already started preparing for your employees’ enrollment in the 2017 group health plans, it’s definitely time to get started. Do you know what you need to know for a successful open enrollment this year?     What Do You Need to Know as an Employer for Open Enrollment? Do you have a grandfathered plan? Knowing whether or not you have a grandfathered plan is critical to making sure you are following the right guidelines. It’s also... Read More

Protect Your Right to Choose Your Healthcare–Vote No On Amendment 69

Vote No on Colorado Amendment 69

Election time is just around the corner, and this election is critical not only to our country’s future, but to Colorado’s future as well. We’re not talking about just the presidential election, but there is a proposed constitutional amendment that Coloradoans must vote on this year that could impact our state forever. This is Amendment 69, also known as ColoradoCare. It proposes that we allow the state of Colorado to take over our healthcare and make it a government entity. If Amendment 69 passes Colorado’s state budget will increase by... Read More

Be Prepared: Do You Have A Business Disaster Plan?

businesses damaged after a storm

Have you prepared your business for the unthinkable? How will your business survive a fire, flood, tornado, blizzard or hailstorm? What about a workday disaster that leaves your staff stranded at the office? Chances are you’ve thought about protecting your business against theft, employee accidents or even a cyber breach (if you haven’t, stop reading and call us right now at 303-721-1145—you need help!) But most businesses don’t have an emergency management plan in place. Did you know that according to FEMA, 40 percent of businesses will not survive a... Read More

Umbrella Insurance Brings Peace of Mind for Your Business

roper umbrella

We live and do business today in a litigious society. You may think your biggest business worries are making profits and keeping great employees. Consider the possibility, however, that a customer is injured by one of your products. What could happen? A devastating lawsuit with exponential damages and a ruined reputation. While it’s difficult to protect against a ruined reputation, commercial umbrella insurance purchased in addition to your standard commercial general liability (CGL) policies can help protect you from the expenses of a lawsuit. Most CGL policies have an aggregate or... Read More

Is Your Business Prepared for a Flood?

Is Your Business Prepared for a Flood

September is National Preparedness Month. In Colorado, this September is also the third anniversary of the greatest floods in Colorado history. Parts of Colorado received up to 17 inches of rain over a four day period, nearly equal to the annual precipitation of some affected areas. Flood waters spread over an area of almost 200 miles and affected 17 counties. In addition to thousands of homes damaged or destroyed, nearly 1000 businesses were also damaged or destroyed. Many of those businesses never recovered. While we would like to think it... Read More

How to Make it Through a DOL Audit

How to Make it Through a DOL Audit

At any given time, your company could be selected for a U.S. Department of Labor (DOL) civil investigation (commonly known as an audit) to make sure your employee benefit plans are in compliance. The Employee Retirement Income Security Act of 1974 (ERISA) establishes standards governing the operation of employee benefit plans and grants the DOL investigative authority. In the past, DOL audits of employee benefit plans have focused primarily on retirement plans, such as 401(k) plans. Now that the DOL has started enforcing compliance with the Affordable Care Act, health... Read More

Colorado Grants New Protection for Pregnant Women

Colorado Grants New Protection for Pregnant Women

New Law Applies to Both Employees & Applicants Colorado Gov. John Hickenlooper signed legislation on June 1 that makes it an unfair employment practice if an employer fails to provide reasonable accommodations to a pregnant job applicant or an employee for conditions related to pregnancy or childbirth. The law goes into effect on Wednesday, August 10. This new provision within the Colorado Anti-Discrimination Act (CADA) will require employers to provide reasonable accommodations to pregnant job applicants, or be subject to discrimination claims if the employer does not provide reasonable accommodation or otherwise discriminates against... Read More

10 Ways to Prevent Cyber Attacks

10 ways to prevent cyber attacks

High-profile cyber attacks on companies such as Target and Sears have raised awareness of the growing threat of cyber crime. Recent surveys conducted by the Small Business Authority, and several leading cyber security companies suggest that many small business owners are still operating under a false sense of cyber security. There are many things you can do to prevent cyber attacks in your business and businesses of every size need to be protected. The statistics of these studies are grim; the vast majority of U.S. small businesses lack a formal Internet... Read More