Small Business Package Insurance #commercial #insurance, #commercial, #insurance, #business #insurance, #business, #liability #insurance, #liability, #insurance #brokers #red #deer, #insurance #brokers, #red #deer, #small #business #package #insurance, #small #business, #business #package


What is Business Insurance?

Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster.

Business Insurance is a broad name for different coverages available to the business owner to protect against losses and to insure the continuing operation of the business.

Major Types of Business Insurance

General Liability Insurance

  • A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.

Commercial Auto Insurance

  • Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.

Commercial Property Insurance

  • Covers risk of loss to an organization s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured s possession. Coverage can be provided on an all risk or specific perils basis.

Commercial Umbrella Insurance

  • Commercial Umbrella insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured’s primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).

Professional Liability Insurance

  • Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors omissions (E O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless.

Business Owner’s Package

  • A Business Owner’s Package (often called a BOP) is an insurance policiy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.

Workers Compensation

  • Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.

Group Health Insurance

  • Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees’ family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees.

Group Life Insurance

  • Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.

Group Disability Insurance

  • Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).

Supplemental Insurance

  • Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover.

    Contact us to learn more about the right business insurance for you.

Contact Us About
Commercial Insurance:

What are your business insurance needs?

Small Business Specialists #fema #small #business #loan


Small Business Specialists

For general information on doing business with the Department of Homeland Security, please contact the OSDBU small business advocates.

The individuals listed below are available to provide advice to small business owners on individual procurement opportunities and how to do business with their individual component. Please visit for information on “non-procurement” issues. Capability statements and other marketing materials should be sent to the small business specialist(s) at the individual components.

DHS Headquarters Office of Procurement Operations

Operating Element / Address

Small Business Specialist / Phone / E-mail Address

DHS Headquarters
Office of Procurement Operations
Attn: OPO
245 Murray Drive, SW (Bldg. 410)
Room: 3523-28
Washington, DC 20528

Areas of Support. Information Technology Acquisition Center (ITAC); Departmental Operations (USM); National Protection Programs Directorate (NPPD); US-VISIT; and Federal Protective Service (FPS); Science Technology (S T); U.S. Citizens Immigration Services(USCIS); Intelligence Operations (I O); Domestic Nuclear Detection Office (DNDO); Office of Health Affairs (OHA)

Areas of Support: Advanced Procurement Forecast System (APFS); Federal Procurement Data system (FPDS-NG); Small Business Goals; eSRS Reporting; Vendor Outreach Sessions
Items procured: Computer equipment, computer facilities management, software, computer systems design, professional and management services, facility services, graphics services, studies, language translation services, telecommunication services.

U. S. Citizenship and Immigration Services
Chief, Contracting/Customer Support Division
Office of Contracting
20 Massachusetts Ave. NW
Room 2010 (MS 2080)
Washington, DC 20529-2080
USCIS Website

Customs and Border Protection

Operating Element / Address

Small Business Specialist / Phone / E-mail Address

Customs and Border Protection Procurement Directorate
1331 Pennsylvania Avenue, NW, Suite 1355N
Washington, DC 20229

U. S. Customs Border Protection
2411 Boswell Road
Chula Vista, CA

Items procured: Search/detection equipment, data processing services, computer related services, computer programming, uniforms, construction, computer equipment, personal/household goods, repair/maintenance, administrative/general management consulting, investigative services, computer systems design, schools/instruction, security guards, facilities support services.

Federal Law Enforcement Training Centers

Operating Element / Address

Small Business Specialist / Phone / E-mail Address

Federal Law Enforcement Training Centers
Glynco Campus, Brunswick Georgia
1131 Chapel Crossing Road
Building #93
Brunswick, GA 31524
FLETC Georgia Website

Items procured: Janitorial Services, Facilities Support Services, Role-Players, Security Guards, Uniform issue, Ammunition, Information Technology, Video Production, construction, Remediation Services, Waste Removal, and Lawn Maintenance

Federal Law Enforcement Training Center
Charleston, South Carolina Campus
2000 Bainbridge Avenue
Charleston, SC 29405-2607
FLETC South Carolina Website

Federal Law Enforcement Training Center
Cheltenham, Maryland Campus
9000 Commo Road
Cheltenham, MD 20623-5000
FLETC Maryland Website

Federal Law Enforcement Training Center
Artesia, New Mexico Campus
1300 West Richey Ave.
Building 4 Artesia, NM 88210
FLETC New Mexico Website

Immigration and Customs Enforcement

Operating Element / Address

Small Business Specialist / Phone / E-mail Address

Immigration and Customs Enforcement
ICE Office of Acquisition Management
801 I Street, NW, Washington, DC 20536
ICE Website

Items procured: Armed security guard services, law enforcement services and products, such as hand restraints, handcuffs, guns and ammunition; Detention and Removal Services, (a) detention services include temporary housing, food, clothing, guards, and transportation; (b) detainee removal transportation services including air charter flights; Fugitive Operational support that involves data analysis and analysis support services; Information Technology supplies and services, to include computers, security equipment, maintenance, software, and telecommunication; Law enforcement training development; procurement and clerical support services and interpreter services.

Transportation Security Administration

Operating Element / Address

Small Business Specialist / Phone / E-mail Address

Transportation Security Administration
TSA HQ – West Bldg.
10th Floor, TSA-25
601 S. 12th Street
Arlington, VA 22202
TSA Website

Items procured: Simulators, training development, training courses, installation of checked baggage equipment, health and safety assessments on TSA screening operations, acquisition planning program management support, safety equipment and supplies, investigative services.

Federal Emergency Management Agency

Operating Element / Address

Small Business Specialist / Phone / E-mail Address

Federal Emergency Management Agency (FEMA)
Acquisition Policy Oversight, Management
395 E. Street 2nd Floor
Patriot Center SW
Washington, DC 20472
FEMA DC Website

Items procured: Information Technology Services Directorate: Information systems support, Telecommunication equipment and services, computer maintenance and support, computer software and hardware, Wide Area Network Support, Local Area Network Support INTERNET services, systems development, engineering and integration, Information and communications security, Configuration management, and Disaster response support.

The Federal Insurance Administration: Federal crime insurance servicing agent operation, Federal flood insurance servicing agent operation, Federal flood insurance statistical agent operation, and Program financial analyses and audits and publications.

The Mitigation Directorate: All-hazard public information materials Architect, engineer, technical assistance for mitigation of all natural hazard specific services, Cost and Benefit analyses, Hurricane surge annotation evacuation route planning, Community/interest group meeting, Mitigation, response, recovery and loss, estimation studies for all natural hazards, Flood hazard and erosion, studies and survey, Flood map revision, distribution, storage, and print processing, and Federal Insurance Administration.

The Operations Support Directorate: Procurement of program services, supplies and equipment, Procurement of safety, health, and industrial hygiene services, supplies, and equipment, Procurement of laboratory analytical services, Fed Ex contract services, Graphic support Presentation, publication and exhibit design, Security services, Transportation and support services (all modes of transportation), Logistics support services (standby contracts, direct delivery, disaster products), Equipment leasing services (material handling and power generation), Equipment maintenance services (material handling and power generations), Testing and evaluation services, Office supplies and equipment, Packaging Operating Element / Address Small Business Specialist/ Phone/Email Address equipment, supplies and services, Motor vehicle equipment, maintenance and services.

The Preparedness, Training and Exercises Directorate: Course development, revision accreditation, evaluation, Home study programs, Course materials, Workshops, Editorial support, and Evaluation of exercises.

The Response and Recovery Directorate: Communications support Program and financial analysis, Publications Computer software, Habitability inspections of disaster damaged homes, and Technical Assistance

United States Fire Administration: Advanced hazardous materials studies, Architect and Engineer services, Arson investigations/technical assistance/database, Computer facilities management services, Cost benefit analyses, Course development, revision and evaluation, Developing/Testing firefighting equipment, Dormitory/Office furniture, Editorial support, Fire data analysis/investigations, Fire department communications manuals, Fire protection systems studies, General facilities maintenance, Graphic arts audio visual supplies services, Health and Safety studies, Instructional services, Infectious disease studies and databases, Local fire service planning, Sprinkler research Program manuals, Public education and awareness, and Videotape and slide reproduction.

United States Secret Service

Operating Element / Address

Small Business Specialist / Phone / E-mail Address

Small – Medium Business Cloud Apps #iphone #for #small #business


Work together using the Cloud

MyOffice is a subscription based ‘cloud’ service that’s been designed around the unique needs of the smaller business.

It combines diaries, contacts, email, tasks, file store, reminders and notes into a set of online collaboration tools to help your team work together more effectively, and it’s all intuitive – so there’s no big learning curve.

All your data lives in one place, on our servers, and you access it over the internet using a variety of devices. e.g. PC, Mac, tablet, mobile. Using MyOffice you can log on and work from anywhere.

No capital investment or technical expertise is required on your part. We take care of all operational aspects including security, round-the-clock support, software upgrades, server administration, and data backup. leaving you with more time to concentrate on the important things – like running your business. Plus you can easily scale your cloud usage up and down as your business demands change.

Designed for Business

High on the requirements list when it comes to business apps is probably the security and integrity of your data. With MyOffice all your data is stored securely on our servers located at NewNet Plc in the UK, and we go to great lengths to ensure that the privacy and integrity of your data is never compromised. plus you won’t find adverts anywhere in our apps.

Every business is different and MyOffice allows you to add your own data fields to customise the apps to your particular needs. That, coupled with features such as an ‘Offline’ capability, a comprehensive audit trail and true multi-user access, and you have a robust system designed for professionals. Above all, it’s intuitive and uncomplicated.

It’s Your Data

It’s your data and it can only be accessed by users in your account. It’s impossible to unintentionally share your data with the public

We don’t profile your account, send you adverts or pass your information to third parties.

  • Your subscription includes a Windows, Mac, iPhone, Android and Web Browser Apps all for one price
  • In all but the Web Browser App you can use MyOffice in ‘Offline’ mode when you can’t connect to the internet
  • You can customise the application by adding your own ‘user defined fields’
  • There’s no limit to how much Calendar, Contact, Email, Task and Note data can store
  • You can install the Apps on as many Desktops, Devices as you like.
  • It’s multi-user. records are locked so you can’t over-write others work.
  • There’a a full audit trail, you can see what, when and who added, updated or deleted records.
  • SUPPORT IS FREE. If you have technical problems or you want help configuring MyOffice, just call or email us.

We have one price – and it includes everything. There are no extra charges for the functionality that you use and there are no charges for the amount of data you hold.

Our subscriptions are based solely on the number of users that you have and there are generous discounts for multiple users.

As a tool to get your business running, MyOffice represents exceptional value for money.

Customer Service

Our Testimonials speak for themselves – many refer to exceptional customer service. We want satisfied customers who refer MyOffice on to others.

Unlike many ‘Cloud’ platforms, you can actually talk to us. We’re happy to guide you through the features that are relevant to your business and help you customise the system to meet your requirements.

Causes of Lung Cancer: Smoking, Asbestos, and More #lung #cancer, #causes, #smokers, #nonsmokers, #non #small #cell, #small #cell, #chances #of #recurrence, #asbestos, #air #pollution, #cigarettes, #cigars, #pipes, #copd


Causes of Lung Cancer

What causes lung cancer?

The incidence of lung cancer is strongly correlated with cigarette smoking. with about 90% of lung cancers arising as a result of tobacco use. The risk of lung cancer increases with the number of cigarettes smoked over time; doctors refer to this risk in terms of pack-years of smoking history (the number of packs of cigarettes smoked per day multiplied by the number of years smoked). For example, a person who has smoked two packs of cigarettes per day for 10 years has a 20 pack-year smoking history. While the risk of lung cancer is increased with even a 10 pack-year smoking history, those with 30 pack-year histories or more are considered to have the greatest risk for the development of lung cancer. Among those who smoke two or more packs of cigarettes per day, one in seven will die of lung cancer. But even though the risk is higher the more you smoke, there is no safe level of exposure to tobacco smoke.

Pipe and cigar smoking can also cause lung cancer. although the risk is not as high as with cigarettes. While someone who smokes one pack of cigarettes per day has a risk for the development of lung cancer that is 25 times higher than a nonsmoker, pipe and cigar smokers have a risk of lung cancer that is about five times that of a nonsmoker.

Tobacco smoke contains over 4,000 chemical compounds, many of which have been shown to be cancer -causing, or carcinogenic. The two primary carcinogens in tobacco smoke are chemicals known as nitrosamines and polycyclic aromatic hydrocarbons. The risk of developing lung cancer decreases each year following smoking cessation as normal cells grow and replace damaged cells in the lung. In former smokers, the risk of developing lung cancer begins to approach that of a nonsmoker about 15 years after cessation of smoking.

Passive smoking, or the inhalation of tobacco smoke from other smokers sharing living or working quarters, is also an established risk factor for the development of lung cancer. Research has shown that nonsmokers who reside with a smoker have a 24% increase in risk for developing lung cancer when compared with other nonsmokers. An estimated 3,000 lung cancer deaths occur each year in the U.S. that are attributable to passive smoking.


Asbestos fibers are silicate fibers that can persist for a lifetime in lung tissue following exposure to asbestos. The workplace is a common source of exposure to asbestos fibers, as asbestos was widely used in the past for both thermal and acoustic insulation materials. Today, asbestos use is limited or banned in many countries including the Unites States. Both lung cancer and mesothelioma (a type of cancer of the pleura or of the lining of the abdominal cavity called the peritoneum) are associated with exposure to asbestos. Cigarette smoking drastically increases the chance of developing an asbestos-related lung cancer in exposed workers. Asbestos workers who do not smoke have a fivefold greater risk of developing lung cancer than non-smokers, and those asbestos workers who smoke have a risk that is 50 to 90 times greater than non-smokers.

Radon gas is a natural, chemically inert gas that is a natural decay product of uranium. It decays to form products that emit a type of ionizing radiation. Radon gas is a known cause of lung cancer. with an estimated 12% of lung cancer deaths attributable to radon gas, or 15,000 to 22,000 lung cancer-related deaths annually in the U.S. As with asbestos exposure, concomitant smoking greatly increases the risk of lung cancer with radon exposure. Radon gas can travel up through soil and enter homes through gaps in the foundation, pipes, drains, or other openings. The U.S. Environmental Protection Agency estimates that one out of every 15 homes in the U.S. contains dangerous levels of radon gas. Radon gas is invisible and odorless, but can be detected with simple test kits.

While the majority of lung cancers are associated with tobacco smoking, the fact that not all smokers eventually develop lung cancer suggests that other factors, such as individual genetic susceptibility, may play a role in the causation of lung cancer. Numerous studies have shown that lung cancer is more likely to occur in both smoking and nonsmoking relatives of those who have had lung cancer than in the general population.


The presence of certain diseases of the lung, notably chronic obstructive pulmonary disease (COPD ), is associated with a slightly increased risk (four to six times the risk of a nonsmoker) for the development of lung cancer even after the effects of concomitant cigarette smoking are excluded.

Prior history of lung cancer

Survivors of lung cancer have a greater risk than the general population of developing a second lung cancer. Survivors of non-small cell lung cancers have an added risk of 1%-2% per year for developing a second lung cancer. In survivors of small cell lung cancers, the risk for development of second cancers approaches 6% per year.

Air pollution, from vehicles, industry, and power plants, can raise the likelihood of developing lung cancer. Up to 1% of lung cancer deaths are attributable to breathing polluted air, and experts believe that prolonged exposure to highly polluted air can carry a risk similar to that of passive smoking for the development of lung cancer.

WebMD Medical Reference Reviewed by Sujana Movva, MD on July 26, 2015


Lung Cancer Causes from MedicineNet.

National Cancer Institute.

American Cancer Society.

Find small business phone systems providers in my area #voip #for #business, #ip #phone #systems, #voip #telephone #systems, #voip #business #phone #system, #phone #systems #for #small #business

Welcome to the world’s only real-time business T1 Service Provider quote tool! Use our free service to perform unbiased price research to find the best service at the best possible price. Once you select a plan that interests you, a member of our sales team will contact you to discuss the details of your quote, confirm pricing, and assist you with any questions. You can also call our toll free help line at 800-880-2001 (Ref. Number: 3576 ) for live assistance and use our online search tool for residential Internet services.

Real-Time VAR Search Engine can assist in locating business telephone system providers in your local area. We have active partnerships with local service for:

  • Panasonic phone systems
  • Avaya Partner phone systems
  • Lucent phone systems
  • Merlin phone systems
  • Nortel Norstar phone systems
  • Comdial and Vodavi (Vertical) phone systems
  • NEC phone systems
  • Toshiba phone systems
  • Mitel phone systems
  • Shoretel phone systems

and more. With VarSearch you can easily find the best equipment dealer and/or technician nearby.

Enter your ZIP Code:

  1. Enter your zip code in the form above
  2. Select the General Services you are looking for
  3. Select the Specific Services you are looking for
  4. Enter in your contact information and preferred contact method
  5. The most qualified VARs will be sent your information so that they can contact you, assess your situation, and compete for your business

Our VARs Service the Following Manufacturers:

Business Telephone Systems – Does Your Business Need an IP Phone System?

Written by: Jim Green – May 28, 2017

This article explores the advantages of an IP phone system for business needs. We consider the possible systems that are available today, including PC phone systems. We then cover some considerations for small to medium business needs analysis when upgrading to an IP phone system.

One extremely crucial feature important to understand is the advantages IP interfaces provide to a business telephone system. IP connections will improve the flexibility of a business telephone system, particularly in managing extensions. This greatly facilitates moving phones easily within the office. An IP interface also provides support for locating compatible phones in home offices and making connections when travelling. In addition, systems with a built-in Session Initiation Protocol (SIP) feature allow connecting over the Internet without any additional hardware for analog to digital conversion. Some of the most popular commercially available systems today are Panasonic, Avaya Partner, Lucent, Merlin, Nortel Norstar, Comdial and Vodavi (from Vertical), NEC, Toshiba, Mitel, and Shoretel phone systems. Not all of these systems support IP features, so we suggest consulting your local provider for the latest offered features. In addition to a “traditional” phone system, any PC or computer can be used as an IP phone system with downloadable free software. Keep in mind that “free” systems will require a significantly greater level of skill on your staff (or from your local provider). How can you most effectively choose from among these available business telephone systems. In fact, most any of these systems would be an acceptable choice for the average small business. If you already have experience with one or more systems, then you can make a list of important features that your business cannot live without, should you change systems. And for some, engaging a consultant to perform a detailed systems analysis would be in order. But for most, the key selection criterion will be choosing a good local dealer who can sufficiently support your business needs.

Also, keep in mind that directing your voice traffic over the Internet may necessitate an upgrade of the company’s Internet connection, in order to support voice as well as data. Integrated voice/data services are useful for this, particularly if provided with a Quality of Service (QOS) attribute, which efficiently prioritizes voice traffic over less critical data traffic. Thus when employees are downloading large files or watching online videos, business telephone conversations will not be affected.

If the business must have a very consistent phone service, then you should consider a T1 connection, which is delivered with a Service Level Agreement (SLA), to minimize downtime. Since T1 lines have come down significantly in price from only a few years ago, when the average monthly cost would have been over $1000 to at present often under $300, a T1 has become a much more realistic solution. The available features and number of vendors supplying T1 services have also increased dramatically in recent years. A telecommunications broker can assist with choosing the best T1 service provider according to your needs.

Best Online Payroll Services – Top Ten List #best #payroll #services #for #small #business


Best Online Payroll Services

Whether you’re managing an established company, a small business with just a handful of employees, or a small partnership, having a good online payroll service can save you valuable time, energy, and money.

Manually running payroll is tedious. When you add up all the time you spend cutting checks, preparing and filing tax documents, and making manual withholding payments to the IRS and state treasuries, payroll ends up being quite a chore. Especially if you are a smaller business who doesn’t have dedicated administration staff, time spent running payroll is time taken away from doing the things that actually make you money.

And this doesn’t even take into account what happens if you do something wrong. To err is human, but that doesn’t mean missing a deadline won’t be expensive.

Fortunately, there are a number of quality online payroll services out there to choose from. Services where, once you have set up your accounts, make running payroll as easy as clicking a few buttons each month. Then, depending on your preferences, they can make payments via direct deposit, calculate withholding, electronically file tax returns, and make payments directly to the IRS and your state tax commission – all at a price that almost certainly is less than the value of the time you would have to spend to do everything on your own.

If you don’t have a dedicated HR staff, and maybe if you do, signing up for an online payroll service is an obvious choice. To help you get started finding the right service for you, here we have provided the top ten online payroll services available today.

The Top Ten

1Big Fish Payroll

Big Fish offers flexible solutions that are accurate, secure and reliable.

Payroll Services include: Processing & Packaging, ACH/Direct Deposit, General Ledger, Employee Self Service, Pay Cards, Restaurant Payrolls, Tax Service and Time & Attendance.

Ancillary Services include: 401K Administration, Background Check & Screening, Employee Handbooks, HR Audit, HR Support, Unemployment Claims Management and Workers Compensation Insurance.

Big Fish takes the hassle out of payroll administration, and we work closely with each customer to make payday as simple as possible.

Come be a big fish with Big Fish Payroll Services!

W. Bigfishpayroll. Com – jaydefasc

Great customer service! They help me run my business better.

I love that that alway answer the phone on the second ring! Before I was with Big Fish I would be on hold for 20 mins before someone could help me.

Works like a charm, easy and lets me focus on more important areas of my business. I have 5 employees.

3Paylocity Web Pay

Best decision we ever made going with Paylocity.

100% cloud base system. Very simple and easy to use. Robust payroll and a very powerful HRIS system. Prices were 15-20% less than ADP and Paychex.

4Payroll Connected

This software is UNBELIEVABLY easy to use! I’ve gone from dreading the hour of payroll mayhem to looking forward to the few minutes this software takes. Only available in Canada though. – Xean45

Are you kidding? Customer service is laughable, at best. They provide no account representative to help you find the right resource. You are on your own trying to find competent help – somewhere on the globe. And if you find a good one – you can never speak with them again. You have to go through the main phone number, and explain all over to the next one. We’re looking to get out, but it’s a big job moving from one provider to the next (no matter what the salesperson says).

I voted for ADP on accident. They have very poor customer service. A comment below stated that if you got someone good, you wouldn’t work with them again. That’s correct. You do have to call in to the main customer service number and you get whoever answers the phone. We have an “Executive Relationship Manager” due to our spend with ADP. She isn’t responsive either, unless you ask if you can speak with/work with someone else. She suddenly becomes available.

Been with 3 different payroll services and ADP is the only one that I have never had a problem with. Super easy interface and so quick to run payroll. Price is also half of what I was paying with other services.

Great 24/7 customer service

Anytime I have questions in regards to my account, I always speak with a representative who helps me with the situation. The website is very user friendly and I highly recommend this company.

Cloud based workforce management features and ease of use are unmatched. Great customer support.

So far OnPay has been easy to use and everyone there seems extremely nice. Was with ADP run which is okay, just do not see how it is better than OnPay. I guess I miss the iPhone app I had with ADP sometimes, but I hardly ever used it and the guys at OnPay say they have one coming out soon. For me it came down to OnPay and zen and I went with OnPay because I felt more comfortable with the person on the phone. I would highly recommend trying one of the cheaper online companies like OnPay or zen before ADP or Paychex. You get about the same service and they are SO much cheaper.

Loved the easy navigation.

The Contenders

11Intuit Online Payroll

I was introduced to Intuit by my financial advisor who uses it to manage payroll for his office and so far it has been great. I’m only paying $40 a month which is more that worth it because of the time savings, but it has saved me even more in fees and penalties because, as it turns out, I sucked at withholdings. So long EFTPS. You won’t be missed.

Payficiency is an online payroll service for businesses of all sizes. We pay and file all federal and state taxes. Simple payroll you can run in minutes.

Not scared to show pricing on there website.

Payce is the largest payroll firm located in MD, and a leader in SaaS-based payroll and HR solutions. We focus on delivering customized solutions to allow even the most complex payrolls seem simple.

Have been using it for a year now. Everything is automated and works great!

17AdvaPay Systems

Family owned and operated since 1963, TelePayroll provides a range of business services for both small and large companies. We specialize in payroll, human resources, and employee benefits solutions that are scalable for businesses in Southern California and the rest of the country. Our mission involves building lasting relationships with our clients so we can support them in all stages of business growth.

There excellent service and attention to detail! You feel like you are family. I would recommend highly.

APS is a national workforce management and cloud-based HR solution provider committed to delivering value through flexible cloud technology and individualized support. Our cloud-based HR solution provides online payroll services, core HR, time & attendance, self-service, and mobile in a single platform which can adapt to meet changing customer needs.

Recommended Lists

Surado Small Business CRM Software – Free download and software reviews – CNET, crm software small business.#Crm #software #small #business


Crm software small businessSurado Small Business CRM Software

Editors’ Note: This is a very large (172MB) file and may take several hours to download via dial-up modem.

Publisher’s Description

Surado Small Business CRM is the complete solution in an easy to use, integrated package. It includes Contact & Account Management, Sales Automation, Marketing Automation, Customer Service, Project Management, and optional integration to QuickBooks and Peachtree. Surado Small Business CRM offers an unprecedented level of power and flexibility for small businesses looking to improve efficiency, reduce cost, and increase customer satisfaction. Consolidate all your multiple databases (MS Access, and MS Excel) into Surado by creating unlimited Custom Screens and fields. Easily import leads, manage call lists, automate follow ups, build dynamic workflows, create professional HTML e-mail or traditional mail campaigns, optimize sales, and share resources in one consolidated Surado CRM system. Version 5.1.34 may include unspecified updates, enhancements, or bug fixes.

Crm software small business

0 stars Be the first to review this product

  • 5 star

Results 1 1 of 1

This is not absolutely free. only 120 clicks to try

2008-09-04 08:11:04 | By unmeshnarkar

| Version: Surado Small Business CRM Software 5.1.32

I used the software with limited confidence refering every now and than the manual. Its very simple to use after that.

If you are not used to server or desktop servers its difficult to install. I registered with site for ‘keys’ but no response till date. if you spend time entering customer data and if the 120 clicks are over an if you do not recieve ‘keys’ you had it

The site response is automatic from Surado but nobody bothers to realy take care of the customer. May be because we are using the free version. But who will buy if the sample version of response is so poor.

Guaranteed Marketing, Marketing Consultants, Business Marketing Companies, Internet Marketing Consultant, SEO Company, UK Small Business Marketing Company #business #advice, #business #consultant, #business #consultants, #business #adviser, #business #business #advice, #business #consultant, #business #consultants, #business #adviser, #business #advisor, #marketing #consultant, #marketing #consultants, #business #consultancy, #marketing #consultancy, #small #business #consultant, #small #business #consultants, #consultant, #business #consulting, #business #development, #business #help, #marketing #agency, #business #growth, #guaranteed #marketing, #guaranteed #business #advice, #guaranteed #marketing #advice, #company #marketing, #business #marketing, #website #design, #seo, #search #engine #optimisation, #business #coach, #business #coaching, #business #mentor, #business #mentoring, #


Jenkinson & Associates





Increasing Sales & Profits

Jenkinson Associates undertakes marketing and business consultancy to any business and any size looking to increase sales and profits. With over 50 published testimonials and guaranteed marketing you can be confident of a marketing service that will deliver for you and your company. The business industries and sectors worked in include manufacturing, technology, retail, online retail, e-commerce, financial, leisure, entertainment, business services, software, charities, public sector, telecoms, B2B, B2C, education and trade throughout the UK, Europe and internationally.

The range of marketing services include digital marketing, graphic design, website development, SEO, internet advertising, media advertising, online PR, POS, exhibition marketing and multi-lingual marketing.

The work you have done in just a short time has increased our turnover by 40%!

Areas of expertise:

  • Undertake a full business and company marketing review and give options of opportunities that maybe being missed with marketing solutions
  • Web design and manage websites to receive inquires through being search engine friendly and making your customers warm to your services and products
  • Website and email hosting, domain management
  • SEO, internet marketing, web marketing and search marketing, achieving page one listings for UK regional, UK national, European SEO, global and worldwide searches for international marketing opportunities
  • B2B, Business to Business, Company marketing and B2C marketing
  • E-commerce marketing
  • Apple Android App Development
  • Manage and create Google Adword, Bing and Yahoo Ads and Social Media Sites advertising campaigns maximizing click through rates and minimizing pay per click rates for all major search engines
  • Article writing, link building, blogs, social network sites, page rank development to secure high rankings for your keyword searches
  • Making use of social media such as Facebook, Twitter, LinkedIn, Pinterest etc and how to market using these types of mediums and how to use these to connect with your customers
  • Convert more inquiries into more sales
  • Produce email marketing letters, direct mail letters, brochures and leaflets that people will read and respond to
  • Develop a sales strategy to increase sales per campaign
  • Help you on how to follow up leads and turn these into sales
  • Produce news items for the press to use, so potential customers learn about you and your successes through regular PR
  • Make your business stand out from the competition
  • Help you to gain the most out of networking and exhibitions
  • Help you to gain major contracts and build relationships with large company buyers
  • Marketing experts so you stay ahead of the competition and become the leading business in your market place
  • Competitor Research
  • Market research and develop new marketing opportunities

Creative and Low Cost Marketing Ideas

In business it is quite often not so much how many ideas you have but how many of these happen, and especially for the small business. Time is the enemy of business, with not enough hours in the day, or enough in a week or a month. Many of the businesses I work with know they should be doing something to improve their competitive edge but it is having the time to do it. Do you do your own accounts? You ll use an accountant to do that and hopefully they ll save you some money at the year end! So why not use a specialist to help to grow your business? Unlike your accountant I ll guarantee to put more money in your pocket!

If you are looking to increase your presence and your sales, then I d recommend you give him a call

It s not how many ideas you have but rather how many you make happen

Having been burnt a couple of times by so called SEO / online marketing agencies in the past I was a bit sceptical but very quickly realised my fears were unfounded and wish I d found him years ago. I started using Chris for my online marketing in December and in a couple of months saw my business increasing and a now with a continual steady pipeline of new business I have been able to expand so very happy to recommend.
Phil Novell Owner Novells Of Surrey London

Novells of Surrey & London

Protecting your business from credit card fraud #small #business, #store, #gift #shop, #fraud, #see #id


Protecting your business from credit card fraud

Elaine Pofeldt is a journalist whose articles on entrepreneurship and careers have appeared in Fortune, Working Mother, Money and many other publications. She is a former senior editor at Fortune Small Business magazine and an entrepreneur herself, as co-founder of, a website for independent professionals. She writes “Your Business Credit,” a weekly column about small business and credit, for

Dear Your Business Credit,
I recently opened a gift shop and am accepting the major credit cards. I have one employee. What practices are most effective in avoiding credit card fraud? — Danielle

Dear Danielle,
I’m glad you asked this question early in the life of your store. Many business owners don’t pay enough attention to fraud prevention — until it’s too late.

If your business makes a sale to someone who makes a fraudulent charge, you could lose the cost of the goods, according to Wells Fargo. There may also be charge-back fees to pay if the legitimate cardholder disputes the charge.

How can you prevent this? Wells Fargo recommends training your employees to detect whether a card is legitimate or not. One sign that a card is fraudulent is that it is missing the magnetic stripe on the back. You or your employee should also check to makes sure that the card is not expired and that the signature on the receipt matches the signature on the back of the card.

Some of your customers may not be happy to slow down long enough for you to scrutinize their cards, but if you explain that you check the cards to protect your clientele from fraud, they should understand. Personally, I am always grateful when a store scrutinizes my card and signature, because I know the employees would be likely to do the same if a criminal stole my card.

Occasionally, you may run into a card that says See ID on the stripe where the signature should be. The customer wants the cashier to look at their ID photo instead of comparing the signatures on the card and receipt — usually because they think they’re protecting themselves against forgeries. But Visa and MasterCard both stipulate that merchants should not accept unsigned cards. According to Wells Fargo, you may be liable for the charge if the customer has not signed the card.

If you’re considering asking for ID in addition to examining the card signature, be warned. Some card networks ban this practice, so you’ll need to check with them. Also consult your state attorney general’s office to make sure it’s legal in your state.

Be aware that credit card fraud isn’t always perpetrated by people we commonly view as criminals. A substantial amount is committed by family members of the victims, such as a teenage child or a relative with a drug problem, according to Experian. The victims don’t always report family members’ charges as fraudulent, but in case they do, it’s a good idea to stick with your credit card verification procedures for all customers and refuse to accept credit cards for a purchase from a family member who is not a cardholder.

There are some types of credit card fraud you need to tackle with technological solutions, because they involve the theft of consumers’ credit card information through your point-of-sale system. This kind of threat is growing. Verizon’s 2013 Data Breach Investigations report says more than 47,000 security incidents were reported by organizations around the world in 2012. Verizon was able to confirm that data was disclosed to perpetrators in 621 of the cases. Among those 621 cases, Verizon confirmed that the largest number, 193, happened at small firms with 1 to 100 employees. Among the confirmed breaches, 24 percent happened in retail environments and restaurants.

Point-of-sale fraud was one of the most common types of breaches among the 621 cases. A particular hazard to small business is what Verizon calls the POS smash-and-grab. It involves a combination of brute force password guessing attacks and malware. About 111 of the 621 verified attacks fell into this category.

There are many ways to prevent this type of fraud, according to Verizon. For instance, you probably hired an integrator to install your point-of-sale system. If you did not change the default password for your system, you should. For other suggestions, see Hackers up the ante for small-business data security.

Good luck with your business, and be safe!

Meet’s reader Q A experts

Does a personal finance problem have you worried? Monday through Saturday,’s Q A experts answer questions from readers. Ask a question . or click on any expert to see their previous answers.

Sally Herigstad,
To Her Credit

  • Todd Ossenfort,
    The Credit Guy

  • Barry Paperno,
    Speaking of Credit

  • Elaine Pofeldt,
    Your Business Credit

  • Erica Sandberg,
    Opening Credits

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    • How reimbursement works for airline miles purchases If you purchase airline miles for a business trip with your own card, how do you calculate the value for reimbursement.
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  • Small Business Inventory #best #small #business #inventory #software


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    Online Inventory Management

    Introducing Stockpile from Canvus Applications

    Stockpile is a free online inventory system for small business and at home uses. Create an account for free and check it out for yourself! We think you’ll agree Stockpile has tons of useful features: add inventory, take returns, record sales and damaged goods. Manage users via a tiered access model while you administer locations, physical areas/shelves, manufacturers and preferences. And get valuable information about inventory turnover through our reporting module. Stockpile is the only free online inventory system that won’t limit the number of items, locations and users you need to run your small business. There’s a reason thousands of global and local businesses have made Stockpile their choice for online inventory management.

    Why Stockpile?

    A few reasons come to mind.

    Inventory made easy!

    In addition to Stockpile’s feature set, there are many reasons to use our inventory tool, including but not limited to: it’s free, it saves you time, it makes next time easier, it ensures you don’t lose your written list, and we add features and enhancements all the time.

    Who uses Stockpile?

    Thousands of small businesses count on Stockpile for inventory management

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