Employee fraud—when an employee knowingly lies to, steals from or deceives their employer to make personal gains—occurs in approximately two‐thirds of U.S. small businesses, according to the National Federation of Independent Business. In fact, small businesses face a higher risk of employee fraud than large corporations. This is often due to a lack of basic accounting controls and a higher degree of misplaced or assumed trust. While employee fraud can take place in many forms, the following are the most common types:

Owning and operating a towing business can be a very rewarding experience. After all, towing operations can help clear the road of damaged or disabled vehicles in a
timely and effective manner when unexpected incidents occur. However, in addition to the risks common in every industry, towing businesses face unique liabilities due to the movement of vehicles and the presence of large, heavy equipment. That’s why it’s vital to establish effective loss control measures. This resource outlines common risks
towing operations must address and offers helpful strategies to avoid possible claims.

Asphalt and concrete paving contractors construct surfaces for residential and commercial properties, such as roads, sidewalks, driveways and concrete floors. More specifically, concrete paving contractors build, resurface and repair highways, roads, parking lots, airport runways and bridges using a mixture of sand, gravel and/or crushed stone. Asphalt paving contractors produce and apply asphalt—which may also be referred to as hot-mix asphalt, asphalt concrete or asphalt paving mix—to various surfaces, including roads and parking areas. Due to their wide variety of operations, these
professionals are often exposed to various safety, liability and property risks. That’s why it’s vital to have effective loss control measures in place. This resource outlines common risks paving contractors must address and offers helpful strategies to avoid possible claims.