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Swift Kennedy & Company
Lecker Insurance Agency and
Pallone Insurance Agency

814-371-5270 Office
814-371-2898 Fax
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The Importance of Managing Risk in Small Business
Small businesses are the lifeblood of local communities. From the local baker’s shop to the auto mechanics, small businesses abound and provide jobs and services for many. However, unlike their much larger brethren, they do not usually have dedicated risk management departments to protect them from unforeseen consequences. Thus, a small business owner must act as a risk manager and work to prevent any negative occurrences.

First, a small business should look at potential losses or other liabilities. This means determining what could happen if you lose your stock, physical structure, or data, are the subject of a lawsuit by an employee or customer, and other issues.

Once you have listed the risks, you should attempt to assign them probabilities and damages. For example, although it will cause heavy damage, how probable is it that your building will spontaneously collapse? On the other hand, it is likely more probable that you will have to endure an adverse weather issue leading to the closing of your business for a few days.

Following that, taking steps to mitigate any potential damages is key to preventing negative long-term effects. This could include, for example, paying for hurricane shutters in an area prone to severe storms or paying for employee training on the proper way to serve hot food items to customers.

Whether you’ve created a risk management plan from day one of your business or find yourself in need of one now, contact us so we can help provide the right insurance coverage for your business.
Get My Free Working From Home Survival Guide

As we continue to social isolate, working from home (WFH) life can start to feel overwhelming. I’ve put together a helpful guide to help you bust some bad habits and help you become your most productive self.

Click below to download your copy of my "Working from Home Survival Guide."

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So You're Thinking about Hosting a Webinar...
The constant innovation of computing technology has not only modernized information and communication processes but also become a driving force of social evolution in a variety of ways. Social media, video chat, and an online presence offer new methods of reaching out to clients all the time. One such powerful outreach tool is the humble webinar.

A webinar is a live virtual event that takes place online with the help of audio and visual streaming. During a webinar, an educational or instructive exchange takes place between a speaker and attendees, making it a fantastic way to foster brand confidence, reach customers directly, and generate sales leads.

Webinars allow you to communicate on a face-to-face level, impart a personal touch, and add personality to a sales pitch or brand-building exercise. Rather than a blog post that can get lost in the online noise, a webinar is an event that helps you stand out as an expert in your niche or industry.

Get started with Facebook Live or Periscope. They’re easy-to-use live streaming services and a great way to learn the webinar ropes. Try a no-pitch, value-only approach to grow your audience.

You can then move on from a simple chat setup to a PowerPoint-based presentation that utilizes webinar software like Demio and WebinarNinja. Webinar expert Melyssa Griffin recommends focusing on quality over quantity, so impart two to three valuable lessons that viewers can easily digest. Follow this up with a pitch or call to action for results that last long after your webinar session has ended.
Let's Connect
Worth Reading
69 Highly Effective Lead Magnet Ideas to Grow Your Email List
By Mary Fernandez
If you’re making a checklist about how to connect with potential clients, put "making a lead magnet" on the top of the list. A lead magnet attracts people and offers them something useful in exchange for their email addresses. This article describes five types of lead magnets: useful, educational, entertaining, community-building, and bottom of the funnel. Hint: this summary mentions one very effective lead magnet.
Read More
7 Powerful TED Talks
that Can Change
Your Business
By Melonie Dodaro, CEO
Top Dog Social Media
TED has connected audiences with "ideas worth spreading" since 1984. What began as a conference to discuss technology, entertainment, and design has expanded into local events, fellowships, and a digital collection of talks organized by topic. It’s safe to say TED knows how to create and connect audiences and can help you do the same for your business. Here are seven crucial talks, with some bonus ones, too.
Read More
6 Ways to Spark Ideas and Innovation
As leaders of small and medium-sized businesses, we should always strive to create a culture of empowerment that gives employees the opportunity to contribute to growth and success. Our employees see, hear, and deal with customer and business issues on a regular basis. Who better to offer insights and ideas to drive growth and improvement?

Here are six ways to spark innovative thinking among employees and empower them to share their thoughts and ideas.

Foster a creative work environment. To foster creativity, some companies set aside time for creative thinking during work hours. This may not be possible for you, but you can encourage open communication, constructive feedback, and an environment of mental flexibility.

Make sure your employees have the tools they need. This includes computers, software, education, and training. Online collaboration tools can help build community and generate ideas.

Hold team bonding events. These may be video retreats, online exchange meetings, or even virtual learning webinars. You may include presentations and outside speakers, but also invite employees to offer their thoughts about changes, improvements, or solutions to problems.

Motivate your team. Recognition can incent creative thinking and help people realize that their efforts are valued. Positive reinforcement may include rewards, bonuses, or comp time.

Encourage diversity. A wide range of working styles, thought processes, experiences, skill sets, and viewpoints is essential to avoid groupthink.

Say "thank you." Make sure employees know that their contributions are appreciated even if their ideas are not all winners.
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Growing Your Business - Expanding Knowledge
Looking to accelerate your business growth, expand your knowledge, or develop new business skills? Check out these links for courses, training, and academies:
Business Courses to
Get You Started

This website provides thousands of paid and free online video business courses that you can do at your own pace. Topics include sales, marketing, operations, strategy, management, and many more.

Read More
Business courses
on edX

Prestigious business
education is as close as
your mobile device.
Begin your tour of MIT,
Harvard, and others.

Read More
Canva Design

Learn to master digital and
print advertisements and promotions
from industry experts at this
free design school.

Read More
Grow Your Career
and Business

These free courses can prepare you to navigate the landscape of the dizzying world of digital business and maintain a strong business strategy.

Read More
Which Business Insurance Policies Should You Consider?
Businesses are often focused on a variety of priorities, chief among them growth. Most owners or managers try to outfox the competition but sometimes ignore life's occurrences as a real possibility. For many, they believe one insurance policy will cover them all the way through, but the sad reality is one policy is not enough. Below are a few of the policies that can keep your business safe and functioning.

General Liability Insurance

This important insurance is for any claims made against your business in addition to covering any legal defense. From slip-and-fall accidents to employee allegations and much more, this is a must-buy policy for any business owner. This insurance covers slander or libel and even data breaches.

Commercial Property Insurance

For businesses that have large or costly footprints, commercial property insurance is a must. This insurance covers the physical structure and any contents inside in case of incidents such as fire, theft, hurricanes, and other natural or man-made disasters.

Workers' Compensation Insurance

This coverage is often required by law. Businesses that carry workers' compensation insurance are able to pay for lost wages and medical care for employees who are injured on the job. Depending on your state, you may also be required to pay for disability insurance or unemployment insurance.

Commercial Flood Insurance

For many businesses in low-lying or otherwise flood-prone areas, commercial flood insurance is a smart move. This insurance pays for damage to property caused by flooding.

Commercial Umbrella Insurance

Sometimes, large accidents or severe lawsuits can ruin a business, even if every insurance policy pays up to the maximum allowable limit. However, an umbrella policy works to fill those gaps and ensure that your business survives in addition to potentially covering other incidences that your other insurance policies don't provide for.

Professional Liability Insurance

For many professionals, such as doctors, lawyers, accountants, and others, there is a need for specialized insurance covering their business activities. Professional liability insurance can help protect professionals who cause a client harm through an error or inadvertent act or omission.

Business Interruption Insurance

When unforeseen events such as natural disasters occur, your business may need to shutter for days or even weeks while the debris clears. Business interruption insurance helps replace lost income, make payroll and bills, and help ensure that your business can meet its financial obligations when the dust settles.

Commercial Auto Insurance

Some businesses rely on vehicles to accomplish their objectives. For those, a commercial auto policy can mean the difference between an employee's traffic accident being calamitous or just part of the course of business. Some states require this type of insurance, but even if they do not, it could mean the difference between success and ruin.

Different types of businesses need different insurance policies and coverage. When you work with us, we can find the policies and coverage levels that best suit you and your business.

Contact us today so we can help insure your future. We are just a phone call or email away.
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter.

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