February, 2013 | BizSieve.com

Business Delivery Service: What Happens When there’s an Accident?

Home delivery is a convenient feature for consumers and a competitive advantage for businesses. Many small businesses offer home delivery to make consumption easier for customers. Unfortunately, time on the roads results in greater exposure to severe weather, poor drivers, and other traffic hazards. When an accident occurs on one of the deliveries, businesses should take preventative action to avoid liability. This is the case regardless of whether the employee was at fault. Failure to do so may lead to a frivolous claim.

Determine Whether the Employee Is Injured

Avoiding liability is important, but the health and safety of all employees comes first. Money and company vehicles can be replaced; life cannot be easily replaced. If the accident was sufficient to disable or severely damage the vehicle, the employee may be injured. If the employee is injured, he or she will probably be receiving medical attention by the time the restaurant owner is notified of the incident; if not, encourage the employee to visit a doctor for an examination.

If an employee is injured, determine whether the employee is able to come back to work relatively soon. If the employee will be unable to return to work at his or her full capacity, provide the employee with the appropriate paperwork to file for workers’ compensation. The forms will provide the employer with legal notice of the injury and an application for workers’ compensation. The employer will need to fill out its own workers’ compensation form, OWC-8, and submit it to the Department of Employment Services no longer than 10 days after receiving knowledge of the employee’s injury.

Collect As Much Documentation As Possible

In any accident in which the worker was not at fault, it is still possible that the other driver will attempt to file a lawsuit of some type. In these cases, documentation will be key to thwarting the plaintiff. Collect police reports, the employee’s driving history, and any other documentation relevant to the collision. The insurance company will want a copy of the police report unless the at-fault party admits liability.

Repair Or Replace The Damaged Vehicle

If the accident involved a delivery vehicle owned by the restaurant, replacing the vehicle in a timely manner is important. The vehicle is an important revenue generating asset. Begin the claims process as soon as is practical. Alternatively, contact the business’ insurance provider and file a claim with them; this may result in a quicker replacement of the vehicle, but may also result in increased rates. Discuss the matter thoroughly with the business’ insurance provider before filing a claim with them. Do not admit fault to either insurer.

Protect Yourself with Legal Counsel

If the other driver was at fault, a car accident lawyer will be useful in warding off frivolous claims. Automobile accidents involving commercial drivers can involve claims against the business, regardless of whether the business or the driver was actually at fault. Plaintiffs will sue the driver and the business, arguing that the business is vicariously liable for the driver’s perceived negligence. Additionally, plaintiffs will allege negligence on the part of the business, usually under the theory that the business owner failed to train the employee in proper driving procedures, failed to supervise the employee while driving, failed to verify the driver’s record, or other numerous theories of liability.

If an employee is involved in a collision while acting within the course and scope of his or her employment, businesses should prepare for a workers’ compensation claim and even a civil lawsuit. If the other driver feels that he or she was not at fault or if the other driver simply believes that he or she can get quick money with a frivolous claim, mounting a legal defense may be necessary. If an accident occurs, ensure that the employee is well, document the incident, and seek advice from legal counsel.

With small business owners in mind, Ann Bailey shares these helpful steps for coping with an employee work-related traffic accident. The Virginia car accident lawyer group at Price Benowitz LLP is on hand in the greater D.C. area to assist any client’s delivery business against frivolous claims in the event of a driver collision.

Photo Credit: http://www.flickr.com/photos/therichbrooks/4090669986/

When Office Conditions Are Hazardous: Who Protects the Boss?

Lawsuits and liabilities definitely aren’t the first things that a person considers when they dream of owning their own business and being their own boss. Unfortunately, it’s a reality that they must face. Whether from an employee or customer, small business owners often face liability when injuries occur in their place of business. There are times, however, when simply being in an office building can be dangerous, even for the boss. It’s important for all who own businesses to recognize these risks and respond accordingly.

Dangers that Business Owners Face

The only negligent parties people usually think about in office building environments are employers and workers, but the owner of the property can also cause injuries through their negligence. It is the duty of those who own and manage the property to ensure a safe environment for those who occupy offices in their building, and when they don’t, everyone, including the resident shop keeper, can suffer consequences.

Fire Hazards Fire hazards can be especially disastrous. If a business property is set up in any way that blocks exits, prevents early detection or creates a fire hazard, the landlord can be liable for any injuries caused by the incident.
Carbon Monoxide (CO) Poisoning Carbon monoxide is a toxic gas that can cause illness or worse in human beings. This gas can come from furnaces, gas powered engines and even refrigerators. The effects of this gas are deadly, and this applies to anyone, employee and management alike, who works in the building.
Undisclosed Dangers Any hazard in an office building that a property manager should have knowledge of is their direct responsibility to fix. A landlord who should’ve known that mold was growing in the duct system, for instance, could be held liable for illness related injuries that were caused due to the negligent act of not fixing the issue.

Preventing Injuries

Being proactive is the most promising way of avoiding injuries. Even though property locations are required to be safe, it never hurts for a tenant business to be vigilant in ensuring the safety of themselves and their workers. They should start by ensuring there are no fire hazards in the office.

-Check that all fire detectors are functioning properly

–Ensure that any windows that are supposed to open actually do

-Make sure that no exits are blocked or sealed

-Report any electrical problem to building management immediately

There are also ways to prevent carbon monoxide poisoning or death. The easiest is to invest in a CO detector. Also, if everyone in an office starts experiencing flu-like symptoms, a carbon monoxide leak may be the culprit. It’s important to report this or any other strange occurrence or danger that exists in an office to the premises manager.

Responding to Hazards

Whether you listen to a Santa Barbara or a Syracuse personal injury lawyer, you will hear that the critically important thing to do is report any possible hazards as soon as you notice them. Unfortunately, sometimes these hazards don’t become apparent until an injury actually takes place. In these cases it’s important to find an attorney who can help with the issue since medical and office bills can quickly add up.

Business bosses have the same rights as anyone else; when they’re injured due to another’s negligence, in this case the landlord’s, they’re likely to lose considerable money and have the right to compensation. It’s sometimes difficult to prove, however, that the property owner should’ve known about the danger. This is why it’s so imperative to have an injury attorney go over the situation and figure out exactly how the claim should be handled.

Accidents can happen anywhere, and unfortunately, even when shop keepers follow all safety guidelines, injuries can occur. Many of these injuries can affect workers, clients and even the owner themselves. It’s important for them to know their rights in these situations, particularly when the injury was caused by a malfunction in office space they are leasing. Being proactive and responding accordingly are a small business boss’s best methods of protection.

A prior TV news host, Ann Bailey shares these sympathetic tips for business owners who suffer from landlord negligence. The Syracuse personal injury lawyer firm, Bottar Leone PLLC, fights strenuously for compensation and maximum support for their clients injured in office buildings or other work locations in the upstate New York area.

Photo Credit: http://www.flickr.com/photos/benhusmann/4620235686/

Promotional Items to Consider in 2013

When people think of promotional items, they think of popular items such as t-shirts and tote bags. And while the most popular promotional items in 2013 continue to be fashion accessories such as clothing and sunglasses, as well as functional items such as water bottles and tote bags, the landscape for promotional items in 2013 is changing. Although these items will continue to have prominence in 2013, they all have a modern spin. Therefore, promotional companies have to adapt to the new year by offering fresh and innovative versions of their old products.

promotional items trends — photo credit: Rice and D via photopin cc

Tote Bags

One promotional item to consider in 2013 is the tote bag. Tote bags continue to grow in popularity because of their lightweight design and versatility. Also, environmentally conscious consumers like tote bags because they replace several plastic bags by being stronger and having a higher capacity. Tote bags can have many uses, including being used as a purse, grocery bag, or lunch bag.

One very popular tote bag for 2013 is the BYO lunch bag. BYO lunch bags are tote bags made of neoprene, a soft and stretchy fabric. One reason they are popular is that the bas are insulated in order to maintain the temperature of the items inside. BYO lunch bags are also popular because they are environmentally friendly.

Water Bottles

Water bottles appeal to everyone because we all need water to survive. One reason water bottles are popular is because buying plastic water bottles at the store becomes expensive when done on a consistent basis. Therefore, reusable water bottles are popular because they save people money while being ecofriendly. While water bottles are still popular, new designs are beginning to arrive on the market. CamelBak water bottles and tin canisters are replacing old-fashioned plastic water bottles. Promotional water bottles appeal to people because they can be ecofriendly, fashionable, and thrifty at the same time.

Sunglasses

Who doesn’t love a new pair of sunglasses? Sunglasses are fun promotional items that are bound to please everyone. Today, sunglasses are used for much more than protecting your eyes from the sun. In addition to protection, sunglasses have morphed into fashion accessories. Stores have sprung up that specialize in selling designer sunglasses. Therefore, sunglasses make for great promotional items because there is a huge market for them.

Multifunctional Items

We live in a society where everyone has to double task. Also,smart phones have imbedded the notion that everything has to have multiple purposes. If everything has multiple uses, shouldn’t promotional items go with the trend? One popular option is the keychain. Keychain are great promotional items because they are small, fairly inexpensive to make, and can be transformed to have more than one use. Key chains can have many uses from bottle openers to flashlights.

Clothing

The last promotional item to focus on in 2013 has been a popular item for a long time. Clothing still stands as one of the bestselling promotional items for many companies. However, the standard t-shirt doesn’t cut it anymore. Many organizations want to custom label nontraditional clothing items, including cardigans, jackets, and watches. Companies that only offer custom t-shirts should focus on offering nontraditional clothing items for the new year because of its growing popularity.

About The Author: Sharon Greenwood works in the marketing and advertising arena. She reviews and writes about marketing companies like paragonpromotions.com. In her free time she enjoys swimming and spending time with her 2 dogs, Betsy and Ralph.

Hosting Your New Business: How to Buy More for Less

When it comes to starting a business, your online presence is a key factor in determining your success. While there are a variety of options available to business owners to have presences on the web, one of the most important is having a dedicated website. Unfortunately, many business owners who are starting out don’t understand what it takes to create and keep a website in cyberspace. Many think that they can simply build a site and then it will magically appear on the Internet. The truth is, however, that after a site is built, it must be hosted.

What is Hosting?

Hosting is the process of placing and keeping a website online. A hosting company is one that offers storage space on a server, and the business owner’s website is then hosted from that space. Anytime a visitor accesses the business’ website, a connection is made to the server, and the visitor pulls data from it. These central companies are generally the route that most business owners take when getting their websites online, and most hosting companies offer a variety of options regarding different types of service.

Shared Hosting vs. Dedicated Hosting

When choosing an online service, business owners must also decide whether to go with shared or dedicated options. Shared service allows a business owner’s website to be on a server along with other people’s websites. This type of plan is generally less expensive than other options, but it also has its drawbacks. Because someone using shared hosting is sharing a server with other websites, loading speeds may be affected, especially if another site on the server is bringing in a lot of traffic. Dedicated hosting, on the other hand, allows a website to be stored on its own server. This type of function is generally more expensive than shared, but it also allows websites to have faster loading times, quicker download speeds and less down time.

Costs to Control

No matter what hosting option you choose to use, it’s important to consider the costs involved. Some plans may start out a few dollars per month, while others may cost hundreds of dollars per month or more. Generally, the cost will be determined by the amount of space your site needs, the amount of visitors your site attracts and the amount of bandwidth your site uses. If you’re concerned about Internet costs for your new business site, you might want to do some research about coupons.

Discounts are available through a variety of avenues like www.hostingcoupons.com, and they can ensure savings on all kinds of web services. In fact, many business owners who are just starting out on the web use coupons to try out various hosting solutions until they find the one that’s right for their business.

When looking for a server solution, it’s also important to find one that will be able to grow with your business. As your business expands, the hope is that you will have more consumers visiting your website over time, and this may mean that you will need to change your web plan in the middle of a contract period. As a precaution, always look for a web provider that is willing to allow you to add on services with time and growth.

Ann Bailey has a small business website and shares these tips to help new site owners make decisions about hosting plans. Coupons available at www.hostingcoupons.com can assist smaller web-based businesses with start-up costs, adding to bottom line savings and business survival rates.

Photo Credit: http://www.flickr.com/photos/bgarry/6132174016/

Capitalizing Your Business for Success

Every business needs capital to grow, no matter whether it’s a mom-and-pop storefront or a mature multinational corporation. Startups face particular challenges, however, given that they are generally untested and unproven.

For a new business in today’s economic climate, securing enough funding from a bank may prove a difficult proposition depending on how much it needs to borrow and how much collateral it can offer. For that reason, some entrepreneurs turn to courting investors or financing the business themselves. Both of these methods have own pros and cons.

venture capital — photo credit: Bikerock via photopin cc

Investor Cash Can Be Blessing and Curse

Money from outside investors can be very appealing for the simple reason that a business owner is not risking his or her own nest egg on the new venture. In addition, investor funding can help fuel massive growth in a relatively short term. However, that has the potential to be both a blessing and a curse. Uncontrolled growth can bring challenges – business owners may have little time to consider and refine their product and/or strategy as they become consumed by the demands of daily operations.

Large sums of outside capital can also bring publicity and media attention. On the plus side, that exposure can create word-of-mouth buzz, bringing customers without the expense of traditional advertising. On the flip side, however, a heavy amount of attention can overwhelm a startup, ratcheting up demand beyond supply capacity and threatening to undo any initial positive press with a wave of customer dissatisfaction.

In short, a new business must be ready for all eventualities when it hits the market.

Bootstrapping for Controlled Growth

Unless we’re dealing with the likes of Bill Gates or Warren Buffett, the option of self-financing a business – also known as bootstrapping – probably won’t yield the quick growth and flash of an investor-funded startup. What it can offer, instead, is an enhanced level of control and stability, which may prime a business for long-term success. When owners bootstrap, their business can only grow as fast as their revenues and their ability to pay employees. That makes it less likely that customer demand will outpace the quantity or quality of the goods, or the capabilities of the workforce.

Of course, there are tradeoffs. Bootstrapping means the owner assumes the financial risk if the business fails. It may also be tricky to cover expenses, especially in the early days when sales volume is low. This is where a business owner may need to get creative, at least in the short term, in generating revenue and trimming expenses, which could include reducing or foregoing a salary. Other possible options include working from home to avoid office rent and using social media and other technology for low-cost marketing.

Funding Help Available for Small Businesses

There’s no denying that having a pot of cash at the ready would probably make life easier for startup businesses. Still, there are ways to grow a business with little or no capital. Online affiliate programs, for example, can provide a revenue stream – a business earns a commission each time a visitor to its website clicks a link to another firm’s products. Joint ventures, meanwhile, allow business owners to pool resources and share expertise.

The Small Business Investment Company (SBIC) program, which is part of the U.S. Small Business Administration, seeks to help business owners secure private funding and long-term loans, with the overall goal of boosting private-sector job creation.

In FY 2012, the program provided financing totaling $3.1 billion to more than 1,000 small businesses, a 17% increase over the previous fiscal year. Almost one-third of the recipients were owned by minorities, veterans or women, and/or located in low- to moderate-income communities.

According to the Small Business Administration, about 65,000 jobs were sustained or created as a result of SBIC-related financing in 2012.

Whether entrepreneurs and small business owners tap into government programs such as the SBIC, finance themselves or seek backing from outside investors, they have options for securing startup capital.

About the Author: Dean Vella writes about business and leadership on behalf of University Alliance, a facilitator of online certificate programs in business administration, and leadership and management.