Tuesday, November 26, 2013

Workers Comp. Increase/SHOP/Small Business Saturday

The Insurance Commissioner approved yesterday a 7.6% increase in workers compensation pure premiums effective Jan 1st, 2014. The insurance companies are not required to take this increase as  they can file their own rates higher or lower. I have heard of companies not taking any increase, overall though I would expect most companies to take some increase. State Fund took a 6.5% increase for Jan 2014.

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Yesterday, Covered California previewed a soft launch of its small business group health product [SHOP]. You can see what options you have by  going to  www.coveredca.com.

Remember you can use an Agent/ broker who is certified. There is no additional cost for this.


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November 30th is Small Business Saturday. The Governor has sent out a memo encouraging people to support small businesses around the state. He noted that 99% of the employers in California are small businesses and employ 52% of the state’s employees.

I usually get a call from a local radio station on Small Business Saturday so let me know what you are doing!


Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188 


Thursday, November 21, 2013

Remembering our 2012 Accomplishments/Women's Symposium

As we come to the closing of 2013 and I think about our accomplishments this year, I look upon our last year's success to see our growth. This year we have continued to advocate and assist small businesses throughout CA. We hope you find these emails to be of interest and we hope you all renew or join and tell other businesses owners and friends about Small Business California!

Accomplishments 2012

Small Business California (SBC) completed its 8th annual survey of small business issues. There were 630 respondents and every county in California was represented. The top six issues were cost of healthcare, quality of public education, small business regulations, state infrastructure, access to capital, and state taxes.

SBC and the San Francisco Small Business Commission held a meeting in San Francisco about the new legislation creating B corps in California. There were 100 small businesses and Assemblyman Jared Huffman, the author of the legislature, discussed how this will benefit California small businesses.

SBC hosted a meeting in LA with 20 small businesses and under Secretary of Commerce Eric Hirschhorn regarding export controls. The purpose was for the Under Secretary to hear from small businesses how export regulations can be streamlined.

SBC hosted a meeting along with Elizabeth Echols, regional director of Small Business Administration, Christine Baker the head of California Department of Industrial Relations (DIR) and Joan Woodward from Travelers Insurance Company. Topics discussed were the foundation of DIR, what the SBA is doing for small businesses, especially in the area of access to capital and how Travelers is trying to help small business to disaster planning. There were 95 small businesses in attendance.

Worked closely with jobs and economic Development Committee in an economic development strategy for California small business.

Provided information and risk management techniques to protect California small businesses from cyber-attacks.
SBC working with Cal OSHA and State Farm developed a paper helping small businesses comply with the Injury and Illness Prevention Plan requirement. A meeting was held with small businesses in Oakland rolling out the plan.

SBC continues to work with Covered California and the California Endowment Foundation to get information on the Affordable Care Act out to small businesses around California. To that extent, emails are sent frequently to about 2000 small businesses around the state and presentations were made to small business around the state.

SBC provided information about AB 863 which reformed workers compensation in California. Presentations were made to Industrial Claims Association, Association of Workers Compensation Professionals, California Metals Coalition and the California Educational Forum.

Legislation

SB 863 – SBC supported this and brought together 24 associations. The bill was signed by the Governor and attended the signing events with the Governor in San Diego and Burbank.

AB 2408 – SBC strongly opposed the bill which would have eliminated the net operating loss carry back. SBC brought together 25 associations also opposing this bill. It did not get through the legislation.

SB 323 – This bill repealed the Beverly-Killea Limited Liability Act and put in place the Uniform Limited Liability Act. SBC got the author to amend the bill putting in place a grandfather clause which eliminated the need for about 604,000 LLCs from hiring an attorney to change their bylaws. The bill with amendments was signed by the Governor.

AB 1099 – This bill which provides that a regulation or order of repeal is effective on specified dates. It required the office of administration law to make a free copy of the full text of the Code of Regulations available on the internet. This bill was signed by the Governor.

SB 1510 – SBC sponsored this bill which modified the definition under the small business Procurement and Contract Act, to include additional conditions under which a certified small business or microbusiness is deemed to perform a commercially useful function.


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Attention those in the food business in SoCal:

Join CAMEO at our December 3rd Women's Symposium at the Los Angeles Federal Reserve. 

It's going to be a great event - they've confirmed Evan Kleiman from KCRW's Good Food and Liza Braude-Glidden (photo left), Co-Founder and Creative Director of Beanfields Bean and Rice Chips as their keynotes!

Learn more and registerDownload a flyer

 



Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188 

Tuesday, November 19, 2013

"Micro-business Means Business"

California Association for Micro Enterprise Opportunity  (CAMEO)'s Board Chair Stacey Sanchez will be featured on KPCC's Crawford Family Forum.

Micro-business Means Business

Wednesday, November 20, 2013, 8:30 AM - 9:30 AM
474 South Raymond Avenue, Pasadena, CA 91105


The event will be a conversation about micro-business between KPCC reporter Ben Bergman and Stacey about the importance of micro-biz and how to support it.


Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188 


Wednesday, November 13, 2013

SHOP/Disabled Access

As you all know, Covered California's Small Business Health Options Program (SHOP) has been offline for quite awhile. We are being told it will launch November 19th. This is subject to change should the testing have a problem.        

You are going to hear a lot about December 15th being the last day to enroll for coverage beginning Jan 1st, 2014 in Covered California . While this is true for individual coverage it is not true for SHOP. You can enroll the last day of the month.

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Yesterday I received notice that I have been reappointed to the California Commission on Disabled Access. My appointment was by Senator Steinberg. I currently serve as Vice Chair. Are any of you being sued or have received a letter for lack of access? Is this a problem in your area?




Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188 

Tuesday, November 05, 2013

Online hacking/International Trade

It has come to my attention that someone is sending messages using my name to some of you asking to click on a link they identify as a “Google Secure Drive” to get a document. This is a lie.  When I pass my mouse over (not clicking) the top of the “click here” in the bogus email, I can see it goes to some unknown site.

While it does NOT seem that I have been officially hacked, instead they seem to have gotten a hold of an email list, our IT dept. will be looking into it and have already changed my password for all the websites that I have used my signature (i.e. Mailchimp, Blogger, etc.).

Please do NOT open emails like the one below. My only emails are 
Shauge@cal-insure.com 
and Shauge@smallbusinesscalifornia.org.

There are more and more of these.  Please be cautious of this. Hackers are now sending this kind of message out that locks your data until you pay to unlock it.  These new versions of viruses are going to make criminals rich and will promote copy cats. This makes good data practices more important than ever. Never allow an unexpected application to open when prompted, always download content from reputable sources and if your gut says don’t click it…don’t.

Thank you  to those that advised me of this.
 

From: Scott Hauge 
obllad@aol.com
Date: Tue, 5 Nov 2013 10:02:17 -0500
To: Undisclosed recipients:;
Hello,
Please kindly review the document i uploaded for you on google secure drive.
http://bit.ly/1alJaz2>Click Here for immediate access

Best Regards

Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188
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For those of you in the San Jose area here is a great opportunity to meet one on one with people that may be of help to you.

Here is information on the “Expanding Horizons” international trade and investment event in San Jose on Wednesday, November 13th. Registration begins at 7:30am., with welcoming remarks at 8:45am and the conference program at 9am. The schedule of presentations in here:
 

http://opicevents.com/index.php?id=4

The opportunity to sign up for a one-on-meeting with the presenter of your choice, after the lunch, is perhaps the greatest advantage of the conference.

The $50 registration fee includes coffee and pastries in the morning as well as the lunch.





Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188