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As the rules regarding production of hemp change, you’ll want to make sure your insurance covers any growing you do

April 16, 2019

Growing and farming hemp for profit has become very popular in the U.S. For centuries, American farmers have grown hemp for fiber, building materials, oil, and cosmetics. But commercial growth was effectively banned by the federal government over concerns about marijuana. Those restrictions were loosened in the 2014 Farm Bill. Now, the federal government is […]

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Tips to hire quality drivers to protect your product—and the reputation of your business

April 9, 2019

For the majority of the year, you probably don’t need additional drivers to meet demand, but that changes during busy times like Administrative Professionals Day and Mother’s Day. Odds are, you’ll see many new customers, so making a good impression is key. After all, if your customers don’t have a good first delivery experience, it […]

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In the Bloom with Maria: Tips for reducing your business tax bill

April 2, 2019

Tax Day is the day no one looks forward to. As you collect your receipts, statements, and forms, you may also want to put together a list of questions for your tax preparer about deduction items. As Hortica Retail Sales Specialist Maria Shepherd explains, taking tax advantage of certain building improvements, self-rents, S corporation advantages, […]

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Keep your critical information and customer records safe from ransomware

March 26, 2019

  We depend on computers and the information they store. Customer accounts, payment information, inventory—all data you rely upon and often need at a moment’s notice. But what if your access to that information was cut off? There’s a new disturbing trend of hackers intentionally blocking and holding company information hostage. Here’s what criminals are […]

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Helping your customers—and employees—avoid slips, trips, and falls

March 19, 2019

It won’t be long before customers ready for the spring planting season arrive at your business. But there are some things you need to do first to help make it a safe experience and, at the same time, reduce the risk of costly workers’ compensation injuries. Here are some tips to avoid common hazards. Injuries […]

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In the Bloom with Maria: Subletting your business space may require changes to your insurance coverage

March 12, 2019

Opening more than one shop or studio may sound like a great way to add to your bottom line. But if it doesn’t work out and you have to close a location—but are unable to break your lease—subletting may be an option for you. Hortica Retail Sales Specialist Maria Shepherd reminds us that before you […]

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Preparation tips to help protect your business, employees, and pocketbook from spring storms

March 5, 2019

Spring is on its way. And with the warmer temperatures and longer days comes the threat of storms that can bring hail, lightning, high winds, and tornadoes. Any of these can be damaging to your business. But there are things you can do to help lessen your risks. Be prepared Don’t wait for storm season […]

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The risks of improperly classifying workers as independent contractors

February 26, 2019

With the busy spring season approaching, many floral shops, design studios, and wholesale suppliers bring on extra help to deal with the rush. There are several implications that follow after you classify new workers as employees or independent contractors—including your insurance premium—so it pays to know the difference and make the correct choice in each […]

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Help your drivers avoid distracted driving and stay focused on the road

February 19, 2019

With spring on the horizon, it’s a busy season for floral and horticultural businesses. Your drivers face plenty of distractions while on the roads. The good news is, many of the issues can be eliminated or controlled. Driving down your risk exposure Vehicle operations are the biggest liability exposure many businesses face. You’re responsible for […]

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Key Partner: L.L. Klink and Midwest Greenhouse Supply help provide solutions for the greenhouse industry

February 12, 2019

Our Key Partner for the month is a partnership in its own right—L.L. Klink and Midwest Greenhouse Supply (MGS). These two, along with Consolidated Greenhouse Solutions, work under the banner of LLK Greenhouse Solutions and offer fully integrated, turn-key, self-performed greenhouse services. Their approach is focused on identifying customers’ goals, then developing and executing the […]

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