Workers compensation

Whether you specialize in carpentry, web design, or accounting, the availability of online resources and professional networks enables almost anyone to engage with potential clients and manage essential day-to-day business tasks independently. This growing pool of freelancers and self-employed professionals has simplified the process for employers, making it easier than ever to hire independent contractors to fulfill specific business needs.
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As a business owner in Michigan, you have the option of hiring contract or permanent employees – and many more businesses are using contract workers while sorting out the uncertainty in the economy. A contract employee is essentially a freelancer who has agreed to work for you for a mutually-agreed upon period of time, which may be extended if you see fit. A permanent employee has been hired with the understanding that he or she will go on working for you until a termination or a resignation. Both types of employees have their advantages and disadvantages. Some of the advantages of contract employees, however, are illusory.
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When an employee in Michigan gets injured on the job, the negative repercussions can affect everyone. Worker's Compensation Insurance ensures that both employees and employers are protected in the event of a worker accident, illness, or injury.

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Sometimes, what appears to be an impenetrably solid roof above your head actually has little openings through which the rain can leak. The same is true of some car insurance and homeowner's insurance policies; they can appear to provide sufficient coverage, but, in the event of an accident of some sort, you may find yourself drowning in debt. To avoid getting soaked by surprising expenses, use an umbrella; umbrella insurance, that is.
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As a small business owner in Michigan, you've likely invested significant time, imagination, and money into getting your enterprise off the ground. Sure, maybe you're not a big company with dozens of employees and stockholders. Maybe, in fact, you're the only employee. But you still have plenty to lose, and after all your efforts, it would be awful to suffer the financial and emotional blow of being sued by a patron or client. This is why liability insurance is so crucial, even for the littlest of businesses.
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Contractors And Builders are people, too. What does that mean? Well, even though they may have licenses and many years of experience in their profession, they are fallible. There are good ones and bad ones. Some are ethical and honest, while others seem to be missing a conscience. Just as you would be careful about choosing a nanny, a personal accountant, or a used car salesman, so should you use caution in selecting a contractor before you begin that home building project, renovation, or repair. Here are some good tips to avoid getting taken for a ride:
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No matter if your food service establishment is a cafe, deli, diner, or upscale restaurant, all such businesses share certain common risks.
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