Did you know that one in 10 small businesses is worried that an employee on its team will fake an injury and commit workers’ comp fraud? In a recent article for Property Casualty 360˚, AmTrust’s resident workers’ compensation expert outlined six signs of a false workers’ compensation claim. Thankfully, he also offers several ways to spot the fake claim.

Small business insurance, and more specifically, workers’ compensation insurance, is an absolute necessity for any business.For many owners, workers’ compensation insurance programs are insufficient, or worse, non-existent—simply because they believe long-held falsehoods about workers’ compensation insurance.

Effective January 1, 2018, New York State requires all in-state employers to comply with the New York State Paid Family Leave Policy (PFL). Designed to provide financial stability for state residents through major life changes, the new policy provides guaranteed paid leave for eligible employees in three life circumstances including:

• The addition of a new child into the family home
• The care of a family member with a serious health condition
• A family member being deployed abroad on active military service

Nonprofits do some of the noblest work for the at-risk communities in the world. Between financially supporting children and families going through the worst times in their lives, to providing education funding for students who might not otherwise have opportunity, charitable organizations change the world one person at a time. Unfortunately, the perceived abundant coffers of these organizations and the innate risks involved with daily business can put nonprofits at risk for a cyber attack.

As the holiday shopping season winds down, small retailers and wholesalers know now more than ever the importance of BOP coverage for small businesses. A BOP ensures that your business is covered in the event of an accident or injury on your property, damage due to illegal activity, or business closure due to natural events.

As a general standard, business owners are a tough bunch. It takes grit and guts to embark on a business journey, and it’s not all glory and sunshine. Running a business is hard work. Not only is a business owner responsible for the livelihood of their employees, but they’re also responsible to their clients and customers to keep the lights on and the doors open.