Small Business Payroll Solutions

Payroll-Solutions

Here at Bullfrog, we are always hard at work trying come up with new products and solutions that can help you and your small business grow. With that being said, we are very excited to share with you our new Payroll Solutions – a fast and easy way to set-up your company’s payroll and payments system.

Our new Payment Solutions product provides you and your small business with a variety of solutions depending on the type of payroll service you require. From an online portal for your employees to access their payslips, to affordable benefit plans for your staff, we can provide you with the solutions you need.

Here are the Payroll Solutions now offered through Bullfrog:

 

Payroll.

Take advantage of a dedicated online portal that securely and accurately allows you to pay your staff and contractors. It’s safe and fast!

 

Business Payments.

Quickly and easily make direct electronic payments to your suppliers and vendors. It’s that simple!

 

Paychequer – Staff Hub.

Equip your staff with a self-service option that allows them to retrieve their payslips and tax forms through a secure online portal.

 

Benefits.

Obtain affordable benefit plans for you and your staff. From health to dental, we have a plan that suits your needs!

 

If you have any questions regarding the information above or if you would like to discuss getting the right payroll solutions for your small business, our Bullfrog Insurance brokers would be happy to help you out. Contact us today for a free quote!

5 Resolutions for Your Business to Adopt in 2016

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As we wave goodbye to 2015 and welcome 2016 with open arms, this time of year presents small business owners, such as yourself, with a great opportunity to set New Year’s resolutions for your business. What important decisions should you make to propel your business forward onto the route of success? Now is a great time to make these decisions and an action plan to support them.

Here are some potential resolutions to make in 2016 to aid in your business’ growth and success:

 

1. Review and Assess Your Brands Online Image.

Has it been many years since your company’s last website facelift and/or are your customers not interacting with your website as intended? If the answer is yes, to either of those points, you may want to refresh your brands image and/or your site to make it easier for your customers to navigate and utilize. Your website should always be updated with promotions, news, and important insights for it to reflect your current offerings and to create a great first impressions for potential new customers.

 

2. Let Go of Employee’s That Bring down You and Your Team.

Do you have an employees on your team that make team-work extremely difficult and who bring an overwhelming cloud of negativity towards the business’s environment and objectives? If yes, then it may be time to let them go. By holding on to employees that emit such a negative influence and vibe in the office, you put your business on the brink of losing extremely valuable employees who drive your businesses success.

 

3. Can Clients and Potential Customers Find Your Business Online?

Depending on the services and/or products your business sells, potential customers who may be  interested in your offerings will search for your business online to read available reviews and to just get a sense of the value that your business offers. If your company doesn’t have an online presence in this day and age, it is as if your company doesn’t exist.  Without knowing, you may be turning away many potential customers by not having an a foot in the online sphere.

 

4. Focus on Making Your Existing Customers Happy.

As a small business owner, a lot of your focus and time is placed upon ways to attract new clients and how to offer them exceptional value. While this is great, it’s very important to remember to keep your current client base happy and satisfied in order to keep retention rates high. Although you strive to make new customers happy, the benefit of having a strong group of loyal customers will help your business soar for years.

 

5. Look at Expanding Your Business.

Gaining a lot of business and ongoing success? If things are in the positive and you see potential for expansion, now would be a great time to investigate your options and see what would work best for your business to continue its growth. Whether it be an additional physical location, additional staff or even opening an online version of your store, the options are endless. Be sure to keep your target market in mind when making such important decisions.

 

If you have any questions regarding the information above or if you would like to discuss getting the right insurance for your business or for personal risk management, our Bullfrog Insurance brokers would be happy to help you out. Contact us today for a free quote!

Webinar: Risky Business – Are Your Real Risks Covered?

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Many small businesses in Canada often purchase too much or not enough insurance, are unsure what their business’ risks are, and are even unprotected against the real risks facing their business. To help small business owners, like yourself, properly protect their business, we invite you to join us on December 1st from 2pm-3pm EST for our first Bullfrog webinar that touches on these issues.

The webinar is roughly 15 minutes in length and will offer insight on the following topics:

  • Learn to only buy the insurance you need, not what you don’t need;
  • Find out what the real risks related to your business are;
  • Be certain that money spent on business insurance actually covers you for risks related to your business.

Join us to gain valuable insights to save time, save  money, and keep you business properly protected.

Sign up for Webinar

Building Trust With Your Customers

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After spending a lot of time, effort, and money getting your new business off the ground, the next thing you’re likely to think about is how to get people to purchase your products and/or services. You can invest a lot of money into promotion and building awareness for your business; however, that doesn’t guarantee that someone will actually purchase from you or that they’ll become a loyal customer. In order to achieve a successful business, you need to establish customer trust and make them feel good about buying from you and your business.

Here are some key strategies to establish trust between your small business and your customer base:

 

Referrals & Testimonials. 
People are more likely to trust a business has been referred to them by someone else they trust. Essentially, trust builds trust. If you know that someone has had a good experience with your business, ask them to refer you to a friend in exchange for a set percentage off their next purchase. Ask for reviews in store, by email or through social media and use them in your marketing initiatives. Also, don’t be afraid of bad reviews or feedback as this gives you an opportunity to fix the situation and improve for next time.

 

Give Great & Genuine Service.
Great customer service is a no brainer, but it needs to be genuine. Be interested in your customers and ask questions. Talk to them and listen to them, don’t give a sales pitch. If you think that they would be better served somewhere else or that your product isn’t a fit for them, tell them that. They will be much more satisfied and more likely to speak highly of your business then if they purchased something insufficient for their needs. Most importantly, make sure you only make promises that you can deliver on. It’s better to exceed expectations then to fall short.

 

Be Consistent & Transparent.
Showing a customer that you will be consistent over time allows them to predict your behavior and are therefore more likely to trust you. This means consistency in customer experience, in supply and quality, and in handling issues. Tell the truth when customers ask questions about your products and services, and be clear with them about what they’re receiving. You will lose their trust if the reality of what they purchased does not live up to their expectations. Besides, we all know honesty is the best policy.

 

Get Involved.
Whether it’s a cause or a community activity, get out there and stand behind something. Getting involved in something you care about outside of your business allows people see a different side of you. It also allows them to relate to your business in a different and maybe more meaningful way, therefore building trust.

 

There are many other ways that you can build trust with potential and existing clientele, but these are some starting points. Start small and use people that you’ve already established some trust with to champion your business, whether that’s customers, employees or friends and family. The more trust you can create, the better relationships you’ll build and the more loyal customers you’ll have.

If you have any questions regarding the information above or if you would like to discuss getting the right insurance for your business or for personal risk management, our Bullfrog Insurance brokers would be happy to help you out. Contact us today for a free quote!

Tips to Keep Customers Coming in Your Door, Literally – PART 2

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In Part One, we looked at ways to differentiate the in-store experience from the online experience. This time, let’s look at another approach – how to adapt the successful strategies of an online retailer to your traditional brick and mortar.

Imagine for a minute what it would look like if E-Bay was a brick and mortar store. They would immediately know every item that you set your eyes on and would keep those items aside for you at the counter. They would analyze your choices to better understand your tastes, interests, and budget and to learn what sort of products you might want in the future. They would show you reviews and give you product suggestions. If you actually purchased something, they would collect personal data such as your gender, your address, your credit card details, your email address and more, using that information to re-market to you over and over. How can you even begin to compete with that? Read on:

 

Collect Insights. 
In the same way that an online retailer collects data, you can collect insights from people in your store. How do they move through your store, what do they look at, how long do they look? Observe and record client behavior and encourage employees to interact with customers to find out their interests are, what their budget is, what sort of items they are looking for now and what they might be looking for in the future. For example, if a customer purchases a bicycle, it’s likely they will be interested in a helmet, a bike rack, lights for visibility or sunglasses.  You don’t need to assault them with a barrage of add-on products – no one enjoys pushy upsell tactics, but by listening to them, you can better assess their experience level and get a sense of what they have and what they need.  In other words, you simply need to observe and listen to your customers and then think like them.

 

Use Technology. 
In store apps such as iBeacon are popping up everywhere. These apps communicate with shoppers via their mobile device while they’re in your store. They can offer customers deals, discounts, recommendations, and rewards and even enable mobile payments. It’s real-time, relevant marketing to your customers.

 

Build Your Database.  
Start collecting customer information at check-out, even if it’s just their email address and what they’re interested in (product information, specials, events etc.). Have a spot on your website and social media where you ask for these details. Use this, in combination with the other information you’re gathering, to send out relevant information and offers to your customers, including price alerts. This will strengthen your relationship with them and prompt them to come back to your store with a sense of urgency. Also make sure that you reward buyer loyalty with either special offers or events. Tailor your loyalty program based on who your customers are and what’s important to them.

 

Access to Information. 
People love to shop online because they can research and read reviews from other customers. Come up with a way to show clients this same information. If you use an in-store app, that’s a great way to give clients access to product information and reviews. If that’s not possible, post printed information or customer comments with your products or use a simple star rating system based on customer feedback (think dollar store stickers here). Encourage customers to give real reviews and feedback that you can use. They will appreciate that you asked for their opinion, and your future customers will benefit.

 

Be Unforgettable. 
Ever notice when you look at something online and the next thing you know, an ad for that store or item is popping up everywhere? This is not magic people (it’s cookies), but this type of remarketing can be hard to replicate in a brick and mortar environment. One way to adapt this strategy is to network within your community and identify businesses that target a similar demographic and offer complimentary service. Develop cross-promotions or cross-advertising to give buyers an incentive to visit or re-visit your store. Use Google or Facebook ads to target specific areas or demographics. You can even create physical wish lists enabling your customers to go home with a list of items that they didn’t buy, but maybe wanted to. Make it something wallet-sized so they have to see it every day. This will ensure that your business or products remain top of mind.

 

Next time you feel overwhelmed with your online competition, remember that this high-tech, online world we live in is our friend, not our enemy. Your customers can access information and make decisions quicker than ever before, but so can you. Use this to your advantage to create exceptional customer experiences and to build a real relationship with your clientele. As a brick and mortar store, you have the unique ability to integrate the best of both worlds. All that you need to do now is get out there and get started.

If you have any questions regarding the information above or if you would like to discuss getting the right insurance for your business or for personal risk management, our Bullfrog Insurance brokers would be happy to help you out. Contact us today for a free quote!

Tips to Keep Customers Coming in Your Door, Literally – PART 1

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In today’s world, customers have almost endless options when it comes to where they want to shop and how they want to interact with a brand. This means stiff competition for retailers, especially for traditional brick and mortar stores competing against online retail giants.  Come on, who doesn’t want to do their shopping in pajamas, while eating a bowl of chips and watching Netflix? That being said, the battle isn’t lost yet and people do still enjoy shopping in a physical store, especially ones that work at making the experience exceptional.

Here are some tips to differentiate yourself from the online experience and to keep customers coming in your door:

 

Build Awareness. 
Before you can even think about creating an exceptional customer experience, you need to make sure that customers are actually finding you so that they can have an experience. Whether or not someone actually purchases an item online, they generally start their search there. Invest in improving your search results for terms relevant to your products and make sure that you have a good website where clients can get the information they need on your products, your location, your hours etc. Your website is often a client’s first interaction with you – make sure it’s a good one.

 

Create a Community.  
Differentiate yourself from your competition by becoming the local authority or hub for the products you sell. If you sell bikes, start a weekly riding club, sponsor a charity biking event, do a demo or send a speaker to events that target your clientele. Start a blog or a YouTube account offering tips and other interesting info. The more community you can build with your customers, the more they will come back and the more they will refer you. The more fun you’ll have too.

 

Empower and Arm Your Staff.  
Employees have the potential to be your biggest differentiator from an online competitor. Who wants to wait on hold with customer service for an hour, or pay for shipping to return an item that was wrong in the first place? Turn your employees into technology wielding, customer service ninjas. Give them the power to make quick decisions regarding discounts, taking returns and addressing customer complaints.  Arm them with tools that allow them to quickly check pricing, inventory, upcoming specials and more as they interact with customers.

 

Listen and Take Feedback.
Don’t forget the power of face to face interaction. In a physical store, you have the ability to actually meet your customers in person and hear what they have to say. Talk to your customers and find out what they like and don’t like, ask for feedback in person or offer a reward for completing an online survey. Watch for those who are unhappy or unsatisfied and try to rectify the situation. We all know that an unhappy customer will tell far more people about their experience than a happy one. Don’t miss an opportunity to turn a poor experience into a great one.

 

Make it Memorable.
At some point along the customer’s journey, from finding your website to walking out your door, make sure that they FEEL something. It might be telling them the story behind your business, or peaking their curiosity with a well-designed window display, or offering them a coffee while they’re in the store. Whatever IT is, make sure that it creates a feeling or experience that they will remember.

 

If you can master even a few of these tips, you might just prompt your customers to get off their couches, out of their desks, away from their computers and return to your store, over and over. Keep in mind that you have weapons unavailable to the online world and use them to your advantage. Make sure you don’t miss Part Two of this article, when we’ll look at how you can also add strategies from online retailers to your arsenal.

 

If you have any questions regarding the information above or if you would like to discuss getting the right insurance for your business or for personal risk management, our Bullfrog Insurance brokers would be happy to help you out. Contact us today for a free quote!

New Additions to the Bullfrog Roster

new-products

Along with providing small business owners with a fast, easy, and uncomplicated way to purchase small business insurance, Bullfrog Insurance is proud to announce additions to its roster of simplified products.  Whether you are in need of additional products for your small business or in need of products for personal risk protection, Bullfrog Insurance has you covered.

New product offerings available through Bullfrog Insurance include:

 

Bond Insurance.
There may be times in your business’ operation when you will require a Bond. For business owners who may not know what these are, bonds are essentially a guarantee  that your small business will carry-out its performance and meet a regulatory or financial obligation to your client/fellow business.
For more information, visit HERE.

 

Commercial Auto Insurance.
If your small business relies on vehicles to conduct many of its day-to-day activities, you will need Commercial Auto coverage to adequately protect yourself from liability and cover your assets while on the go.
For more information, visit HERE.

 

Health Benefits Insurance.
Partnering with Green Shield Canada, we now offer  independent business owners, such as yourself, with Health Benefit plans to suit your unique needs. Whether you are self-employed, working on a contract basis or are switching from a current group benefits plan, we have the right plan for you.
For more information, visit HERE.

 

Professional Liability Insurance.
Also known as Errors and Omissions Insurance, Professional Liability Insurance is designed to protect you and your small business against claims of a negligent act, error or omission in the performance or failure to perform professional services. While Commercial General Liability is extremely important and provides coverage for third party bodily injury or property damage, it typically does not cover any losses due to professional services, and specifically does not cover allegations of financial loss arising from your professional services or advice.
For more information, visit HERE.

 

Travel Insurance.
Through partnering with Canada’s leading provider of travel insurance, SecuriGlobe, we offer you fast quotes on a wide selection of travel insurance products that suit your needs. Representing up to 14 of Canada’s largest insurance providers, you can be sure that you’re getting the best policies at the best rates.
For more information, visit HERE.

 

If you have any questions regarding the information above or if you would like to discuss getting the right insurance for your business or for personal risk management, our Bullfrog Insurance brokers would be happy to help you out. Contact us today for a free quote!

 

Tips for Growing Your Small Business

business-growth


So you’ve finally got your small business off the ground (congratulations!) and things are positively moving ahead. The next item on your to-do list is to continue to invest in your small business to ensure its ongoing growth and success.

To help your business on its journey through the competitive marketplace, here are some tips to consider to boost your business further ahead:

 

Make Networking a Priority.

Whether it’s going to industry information sessions or introducing yourself to your fellow local businesses, make networking an integral part of your business plan. In order to grow and expand your operations, you will need to make connections. From creating awareness of what your small business offers to even creating an extension of a current offering via a corporate sponsorship, when it comes to expanding your network, the possibilities are endless.

 

Create and Maintain a Strategic Direction.

Developing a strategic plan and setting out clear objectives is key to your business’ success. Along with helping your business stay focused, a strategic plan will aid your business in finding its place within the competitive marketplace and will shed light on any changes that need to be made. As you follow through with your plan, various external and internal factors may come into play that will require you to re-assess your strategy and make adjustments. In order for your business to progress and adapt, these small changes are necessary.

 

Keep Your Website Updated.

In order for potential new customers to find your business and assess the services and/or products it offers, it is imperative that your website is kept up to date. Whether it be ensuring that your site is properly reflecting changes in your branding or promoting new product/service offerings, it is important to keep your site updated in order to keep your customer base informed.

 

Keep an Eye on the Competition.

Assessing your competition in the marketplace is very beneficial and a must when it comes to growing your business. From advertising initiatives, changes in services or products or the way in which businesses are interacting with their customers, your competition offers insight into what is working in regards to growth and what potential gaps may be presenting themselves.

 

Utilize Social Media Platforms.

Depending on what industry your small business belongs to or what products/services it offers, utilizing social media platforms can be an important tool for interacting with your customer base and developing a community following. It is important to stress that just because you create a social media account on a specific platform doesn’t mean that your business will grow ten-fold over night. Make it routine to post useful and engaging content that your customer base will find appealing and resourceful.

 

Protect Your Business.

As your small business grows, it is imperative that you ensure it is properly protected with the right insurance policy. Whether your small business is a home business consisting of two employees or a niche advertising agency consisting of 15 employees, your risks will be unique and your insurance policy should reflect that.

 

Have any questions on the information above or want to speak to one of our licensed insurance brokers about getting the right liability insurance for your small business? Give us a shout today!

Insurance Options for Your Small Business

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Bullfrog Insurance now offers small business owners the option of purchasing either a Business Owners Policy or a Liability Only Policy for their small business. With two options for you to choose from to protect your small business against risk, we want to ensure that you don’t get confused by which policy is right for you.

We are here to help you make the right decision for your business when it comes to its insurance protection. Here is some insight to help clarify the differences between the two types of policy options we offer so you can make the right choice based on your business’ needs:

 

1. Business Owners Policy (full package deal).

What does this option include?

This full package automatically includes Property Coverage, Business Interruption/Income Coverage, Crime Coverage, Equipment Breakdown Insurance, Commercial General Liability, Non-owned Automobile Liability and comprehensive package extensions such as Cyber Event Expense, Installation Floater etc.

Is this right for my small business?

This full package is great for business owners who have a physical business property or own valuable tools, equipment etc.

 

2. Liability Only Policy.

What does this option include?

The Liability Only option includes Commercial General Liability and Non-owned Automobile Liability.

Is this right for my small business?

This is good for business owners who have a home office only and no business assets that they care to cover in the event of a fire, theft etc.

 

If you have any questions regarding the two policy options available through Bullfrog Insurance or have any other questions regarding your business insurance needs, our brokers would be happy to help you out. Contact us today for a free quote!

The New Fast & Easy Way to Get Liability Insurance for Your Business!

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Need liability insurance for your small business? Don’t have the time to fill out lengthy forms and wait days to receive a handful of quotes? No problem. Bullfrog has you covered.

It has never been easier to get the liability insurance coverage that your small business needs. In 90 seconds, you can fill out our short online quoting form and are instantly provided with multiple policies to choose from, all from Canada’s top insurance companies. Once provided with the various policies, you can then select the policy you want for your small business and proceed with purchasing it; all while online!

Although Bullfrog has made the process of obtaining liability insurance for your small business fast and easy, we haven’t forgotten about the questions you might have along the way. Along with our knowledge centre, we have our brokers available via phone or live chat to answer any question you many have. We’re here to help!

Have any questions on the information above or want to speak to one of our licensed insurance brokers about getting the right liability insurance for your small business? Give us a shout today!

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