Legal Issues

1. INSURANCE BENEFITS PLAN
   Most employees today expect some kind of benefit package. There are always costs associated with these plans. We recommend you seek professional advice to help you evaluate the options available to you.
2. REGULATIONS
   A few common agencies you may encounter are: OSHA: The Occupation Safety and Health Act. This agency sets guidelines for worker safety. Failure to comply with OSHA regulations can result in severe financial penalties. Compliance with these regulations is not optional.
3. AMERICANS WITH DISABILITIES ACT:
   As an employer, you cannot discriminate against the disabled. This applies to your work force as well as your facilities if you are open to the public. You are encouraged to get copies of the regulations and determine which sections apply to your business.
4. HARASSMENT:
   The government and the courts are taking a strong position in trying to discourage harassment in the workplace. Harassment, including sexual harassment, can take many forms. An employee policy which specifically addresses these issues and provides for enforcement can help you avoid problems in this area.
5. CONSUMER PROTECTION:
   Federal and state governments have passed laws to protect the consumer. These regulations affect everything from consumer credit to warranties.
6. ENVIRONMENTAL LAWS: 
   In the past 30 years, several environmental acts have been passed which impact virtually every business and real estate transaction.

OTHER ISSUES:

1. Employee Responsibilities
   No matter what form of business you decide to enter, if you plan to have employees you will face certain employee responsibilities; including payroll taxes, unemployment taxes, employee insurance and benefits, and providing a safe workplace.
2. Payroll Taxes and Employment Taxes
   The Internal Revenue Service provides excellent publications by request or from their Web site www.irs.gov. These publications specifically address critical tax and payroll issues that new business owners must understand and comply with.
3. Business Insurance
   All businesses will need a basic business liability insurance policy covering accidents, fire and theft. Optional liability insurance can be obtained for flood, vandalism, employee theft, loss of income. Loss of key persons, product problems, errors and omissions and protection for the board of directors. Customer protection and performance bonds are also available, if desired or required. Contact local insurance agent for pricing and options.