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Keep Your Business Taxes in Order with These Tax Tips for Small Businesses

File your business taxes easily with these tax tips.

It’s that time of year again! It’s time to reconcile your books, gather all your business receipts, and file your business taxes. However, filing your taxes is a complex process that takes a lot of time and energy. Get your business’s taxes in order with these tax tips for small businesses. Here’s what you need to know, so the process runs smoothly.

Search for Deductions.

Your business has a multitude of expenses. Some of these expenses may be tax-deductible. It’s important that you review all possible tax deductions so that you’re best able to get the maximum tax return. Sort through all your expenditures and check to see where you qualify. For example, there are deductions for charitable contributions, capital expenses, and even healthcare costs. The more deductions, the greater the return.

Review Your Finances.

You need to know how much you spent and how much you earned when filing your taxes. Review your books to ensure that everything adds up correctly. That way, you have time to tie up any loose ends.

Consult with Your Accountant.

Taxes are incredibly complicated. While you can do your taxes on your own, it’s a good idea to consult with a professional. That way they can give you a good idea of what to expect, as well as correct any errors. Plus, they may even be privy to additional business deductions that can help your business.

Get ready to file your business taxes with these small business tips. As you sort through your tax documents, don’t forget to review your business insurance policies. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Make the Safety of Your Passengers a Priority with These Car Safety Tips

Use these safety tips to keep your passengers safe on the road.

Driving is a dangerous business. With tons of metal traveling at high speeds, even the smallest of accidents can cause major damage. Not only is it a danger to you, but it’s also a danger to your passengers. It’s important to practice good vehicular safety to keep everyone secure. Check out what you need to know about how to keep your passengers safer on the road with these tips.

Check the Safety Features.

When it comes to your car, it’s important that you have the right safety features. When buying a new car, check the safety ratings and look for the most up-to-date features. That way, you can rest assured that you have the right technology to keep everyone in your car as safe as can be.

Drive Defensively.

It’s important to drive safely at all times. However, it’s especially important when you have passengers in the car. The safer you drive, the safer your passengers will be.

Buckle Up.

An object in motion stays in motion unless acted upon by another force. When you’re in a car that suddenly comes to a stop, you’re still moving. A seat belt helps to keep you in place so that you stay put during an accident, keeping you safer. Ensure that your passengers buckle up before you start driving, and ensure that you have the right tools for kids and pets. Invest in the right car seats and pet seat belts to keep your passengers safe.

When it comes to keeping your passengers safe on the road, ensure that you take the necessary precautions and that you have the right auto insurance. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Conduct a Business Risk Assessment to Keep Your Business Secure

Learn how to conduct a business risk assessment.

When it comes to your business, it’s important that you keep it as safe as can be. However, your business is constantly at risk. Whether it’s a natural disaster, legal battle, or cyber issue, your business is constantly threatened. Take care to protect your business by conducting a risk assessment. Check out what you need to know about how to evaluate your risks.

Technological Threats.

When conducting a business risk assessment, it’s important to consider a variety of threats, including those caused by technology. For example, if there were to be a power outage or if something happened to your company’s servers, would your business be able to withstand the impact? Think about the technological threats so that you have the proper coverage and so that you can implement the necessary policy to accommodate such a business interruption.

Natural Disasters.

Mother Nature can be relentless. From severe storms to floods to earthquakes, there are many ways in which a natural disaster can bring your business operations to a halt. Be prepared for such occurrences and design reactionary policy when conducting your business risk assessment plan. Keep in mind the safety of your employees and customers as well as the geographical influences in the area.

Industry Threats.

Sometimes issues arise within your industry. Whether it’s due to employee error or manufacturing issues, it’s important to know how to handle issues that arise. When conducting your risk assessment, ensure that you take any product and services related issues into consideration. That way you can prepare for whatever comes your way.

Know your weaknesses by conducting a business risk assessment. Get the commercial insurance coverage that you need to protect your business. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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Find the Right Home Insurance for Your New Home with This Checklist

Use this home insurance checklist for new homeowners for the right coverage!

Congratulations, you’ve decided to buy a home! Homeownership is exciting, but it comes with lots of responsibility. As a new homeowner, ensure that you’re ready to move in. Invest in the right homeowner insurance so that you can rest easy knowing that you’re well protected. But, before you choose a policy, use this home insurance checklist so that you get the best coverage possible. Here’s what you need to know.

Consider Neighborhood Threats.

Your home insurance gives you coverage to protect your home from disaster. However, it’s important to consider the threats common in your area so that you tailor your coverage. Evaluate the crime rates in the neighborhood, so that you can increase your coverage limits for personal property in the event of a home burglary. Additionally, determine which natural disasters threaten your home. Compare your list of disasters with the covered perils on your home insurance policy. Add any supplements as needed. That way you ensure that you have the coverage that you need.

Talk with Your Independent Insurance Agent.

Your insurance agent is an expert. They can help guide you through the process so that you have the right coverage for your needs. Plus, an independent insurance agent can help you find the best coverage at the best price, since they have an unbiased opinion and have access to various carriers. Consult with an agent so that you get the coverage you need.

When it comes to choosing the right homeowners insurance, check out what you need to know with this home insurance checklist. That way you know that you’re well protected. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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Keep Your Commercial Property Secure This Winter with These Tips to Prevent Slips & Falls

Reduce the risk for slips and falls on your commercial property this winter.

Winter brings plenty of wet weather. From rain to snow, it’s important to be wary of hazardous winter weather, especially when it comes to your commercial property. Slippery surfaces pose a potential liability that could be detrimental to your business. Protect your business with the right commercial insurance, and take care to prevent slips and falls this season with these tips.

Monitor the Weather.

Weather is often unpredictable. One minute it can be 65 and sunny, the next it can be stormy. The best way to be prepared for weather danger is to keep an eye on the weather. Monitor the weather conditions and have the necessary tools to handle a slippery situation on hand. That way you can take action on a moment’s notice.

Devise a Plan of Action.

It’s important to be prepared and have a plan of action. Creating a procedure to reduce fall risks helps make putting it into action all the easier. Write out the policy so that your employees know what to do when nasty winter weather strikes. Consider high-traffic areas like entrances and walkways and think about different types of weather from rain to icy conditions. Ensure that water drains properly away from the building, walkways are ice-free and have plenty of traction to reduce slips, and that warnings of slippery surfaces are posted in the area. Take care to ensure that your property is prepared for winter weather.

When it comes to reducing your risk for liability this season, ensure that you take the necessary precautions to prevent slips and falls on your commercial property. Protect your business with the right commercial insurance. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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New Year Resolution Ideas to Help You Start Off the New Year

Check out these New Year resolution ideas!

The New Year is here, and it’s time to start thinking about your resolutions. The New Year is the perfect time to reflect on the past year and look toward a year full of opportunity. Check out these New Year resolution ideas to help you make 2017 your best year yet.

Take a Class.

Whether you want to learn a new language or discover more about the political structure of ancient Egypt, lifelong learning is a great way to keep your mind sharp. Make a resolution to keep learning. Enroll in a class at your local college, take an online course, or even download a smartphone app. There are lots of ways to keep learning in the New Year.

Spend Time with Friends & Family.

You have a busy schedule. Between all your obligations, it can be hard to find time to spend with the people you care about most. Make a resolution to make more time for your friends and family. Studies show that people that spend time with their loved ones tend to be happier individuals.

Sleep More.

The average adult needs about eight hours of sleep. However, many of us aren’t getting the sleep we need. Try to get more sleep in the New Year. Establish a routine where you power down your electronic devices at least an hour before bed. That way you can start to get the rest you need so that you have more energy to tackle all that the New Year brings.

Use these New Year resolution ideas to help get 2017 off to a great start! Make this year worry free with the right insurance coverage. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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Check Out These Medical Tests to Help You Stay Healthy!

Practice preventative medicine with these medical tests.

Good health is important. Without your health, you miss out on life’s big moments. A well-balanced diet, exercise, and plenty of sleep can help you stay healthy. However, often times you also need medical care. Catch any health issues before they become an issue with preventative medicine. Check out these preventative medical tests that everyone should get done.

Cholesterol.

When it comes to measuring your health, it’s important to test your cholesterol. Cholesterol is a fatty substance that your body needs to function. However, if your cholesterol levels are thrown off kilter, you could be at risk for heart disease. Consult with your doctor about your cholesterol so that you can monitor your cardiovascular health and live a long healthy life.

Blood Sugar.

The diabetes epidemic is on the rise. Whether your body can’t produce enough insulin or it’s become insulin resistant, it’s important to keep your blood sugars balanced. When there’s too much sugar, otherwise known as glucose, in your blood it poses serious health risks. From blindness to nerve damage, don’t take diabetes lightly. Get your blood sugar tested regularly so that if you’re at risk for developing diabetes, you can change your lifestyle habits to reduce your risk.

Blood Pressure.

High blood pressure, also known as hypertension, is a sign of potentially harmful cardiac health. Additionally, hypertension can lead to kidney disease. Keep an eye on your blood pressure by getting it checked every so often. If you do have high blood pressure, consult with your doctor about ways to keep your blood pressure in check.

When it comes to your health, ensure that you have the tools that you need to stay healthy. Get these preventative health tests done, and invest in the right health insurance. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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Be Ready for Home Emergencies with These Tips and Home Insurance in Clearlake, CA

Protect your home with home insurance in Clearlake so that you’re ready for emergencies.

Disaster can strike at any moment. Whether it’s an earthquake, wildfire, or flood, there are lots of emergencies to be prepared for so that you can handle any given situation. While it’s important to have an emergency preparedness kit, sometimes you need to get creative with your supplies. Ensure that your home is protected with the right home insurance in Clearlake, and check out these common household items that you can use in a home emergency.

Bed Sheets.

These everyday household items can be used in several ways when it comes to handling an emergency. They can be used as a make-shift bandage to help tend to wounds, or they can be used to help shelter you from the elements. Plus, they can be used to keep smoke or other harmful debris from your respiratory system.

Duct Tape.

You can use duct tape in a variety of different ways. From sealing a hole to opening a jar, to repairing windows, there are a plethora of ways that duct tape can come in handy in the event of a disaster.

Bleach.

After a disaster, it’s important that you have water to drink and food to eat. However, sometimes clean water isn’t so easy to find after a catastrophe. Ensure that you’re never left without potable water, and keep bleach on hand. Consuming copious amounts of bleach can be deadly. However, if done properly, a little bleach can sanitize dirty water. According to the Centers for Disease Control and Prevention (CDC) adding a 1/8 teaspoon of non-scented bleach to one gallon of water and letting it sit for an hour can clean dirty tap water. Use extreme caution, and only try this recipe if you’re in a real emergency situation.

Be prepared for a disaster with the right supplies and the right home insurance in Clearlake. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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Use this How-to Guide to Help Navigate You Through a Car Accident

Be ready for a car accident with auto insurance, with this how to accident guide.

Traffic accidents are no walk in the park. They’re stressful, scary, and dangerous. As you get caught up in all your emotions after a car accident, your brain gets foggy, and it can be difficult to handle the situation. Ensure that you’re prepared to handle an accident with the right auto insurance, and this how-to guide.

Move to Safety.

After an accident, it’s imperative to move off the road. The longer that you stay on the road, the more likely you are to get hit again. Do your best to move off the road so for your safety. Additionally, it’s important to be visible. Make yourself seen with the right flares and reflective triangles, and turn on your hazard lights.

Involve the Authorities.  

Once you’ve moved to the side of the road, contact the authorities. If anyone is hurt, call for an ambulance as soon as possible. Otherwise, call the police. They’re a neutral party that can help mediate the accident. Plus, they will draft a police report that can come in handy when filing a claim with your insurance company.

Get Contact Information.

Before you leave the scene of the accident, it’s vital that you exchange contact information with the other parties involved, including any eyewitnesses. Get the name and contact number, license plate number, driver’s license number, insurance information, the make and model of the vehicles involved, and the badge and names of the officers involved. That way you have plenty of information if you need assistance with getting your car repaired. Additionally, take lots of pictures of the accident from various angles to better support your claim.

When it comes to your safety, rest easy knowing that you’re prepared with the right auto insurance and this how to guide. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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Reduce Your Business Stressors with these Tips and Business Insurance in Ukiah, CA

Protect your small business from stressors with business insurance in Ukiah.

As a small business owner, running your business is no easy feat. You’re responsible for the business operations, human resources, and company financial. However, with so many hats to wear, reducing your business stressors can be difficult. Do your best to minimize any workplace issues. Invest in business insurance in Ukiah, and check out how to deal with these common business issues.

Turnover.

When you run a small business, every employee is essential to the success of your business. However, with limited resources, your business may struggle to keep quality employees. Whether it has to do with a low salary issue or lack of growth opportunity, there are non-fiscal ways of encouraging your employees to stick around. Invest in employee perks like offering the option to telecommute or offering growth opportunity by investing in classes to build employee skills.

Long Hours.

As a small business, you have lots of work to do. With a limited staff, long hours aren’t uncommon. However, working your employees too hard can lead to burnout. Pay attention to your employees. If you notice some are overworked, delegate tasks to others to help balance the workload. Manage your employees’ workload so that you’re best able to reduce stress on your business.

Insecurity.

It’s tough running a small business. Keeping your business afloat is a task in itself. However, that means that there’s little security when it comes to your business. Your employees know this about your business, and so fears about job security can make for a stressful work environment. Improve the environment by being open with your communication about how the business is doing to help alleviate any fears.

When it comes to your small business, give your business the security it needs. Ensure that you manage workplace stressors, and invest in the right business insurance in Ukiah. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Fresno, Lafayette, Ukiah, and throughout California.

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