In March 2018, with a circular letter , the National Labor Inspectorate (INL) wanted to provide operational indications , shared with the Ministry of Labor, INPS and INAIL, to its own inspection staff on the subject of collaborations made by family members in the craft enterprise , agricultural or commercial , for the purposes of the social security scheme . The circular identifies orientation parameters and case studies useful for the verification of the occasional nature of family collaborations. The need to provide specific indications and clarifications arises from the observed discrepancies in the assessment, during surveillance activities, of the indices of habituality and prevalence of work activity rendered by collaborators and family assistants, in particular in relation to commercial activities.

The INL specifies, however, that the activities performed by collaborators or family members must necessarily be evaluated in their specificity and therefore always through an analysis on a case-by-case basis. For example, the services provided by the pensioner family who does not guarantee a continuous presence, or those rendered by the family member who already has full-time employment, can be traced back to forms of temporally circumscribed solidaristic needs and consequently have a character of occasionality, with the consequent exclusion of the obligation to register for the relative social security management.

In other cases, the INL has decided to provide its inspection staff with an assessment index of occasionality of the servicethat is similar to the criteria adopted by the legislator for the craft sector (90 days in the year) and is based on the orientation of the jurisprudence of legitimacy for the commerce sector, with regard to the requirements of habitability and prevalence of the provision as per art. 2 of the Law n. 613/1966. The index identified is also considered useful in relation to the tourism sector , bearing in mind that, if the performance is performed within seasonal activities, the same index (90 days in the year) will obviously be recalculated according to the effective duration of the ‘seasonal activity (for example, for a seasonal duration of three months, 90: 365 x 90 = 22 days).

The indications provided by the INL with the circular letter of March 2018 refer to the social security obligations towards INPS. As regards the insurance protection against accidents at work and occupational diseases managed by INAIL for family workers in the sectors of crafts, agriculture and commerce , the clarifications contained in the previous circular letter no. 14184 of the Ministry of Labor of 5.08.2013, to which explicit reference must be made.

In any case, it should be remembered that the assessment criteria identified are not intended in absolute terms and that, if you do not do so, the inspection reports must be promptly motivated in order to reconstruct the ratio in terms of habitual or prevalent work performance found.

In Italy are the Hilton, ConTe Assicurazioni and American Express, in America instead Keller Williams Realty , Nike and Total Quality Logistics . The eighth edition of the research conducted by CareerBliss – a California recruitment company – which sheds light on the happiest US companies to work in 2018 is out . A healthy and serene business climate, satisfied employees, productivity to the stars: these are the characteristics of the companies where you are better off. 

The research interviewed tens of thousands of employees and asked them to assess employers on some key factors, such as: resource managementand the relationship with them, the work environment, retribution , gratification both at work and as an opportunity for growth . The result was a list of 50 perfect companies: here are the top 5 . 

The first place is by Keller Williams Realty . The company in Austin, Texas, has 175,000 agents in over 900 metropolitan areas and claims to be the largest real estate franchise in the world by number of commercials. An employee of Keller Williams Realty said: “One of the biggest advantages is the way our company promotes the working group. All employees are encouraged and supported to be in control of their growth and career paths . ” 

The king of sneaker Nike is in second place, remains one of the most valuable brands in the world , and is going through a big digital transition, in as more and more consumers buy online. in June announced the initiative “NIKE direct”: the company is looking to sell more products directly to consumers through the site and the shops, rather than relying on traditional retailers like Footlocker. 

Total Quality Logisticsinstead, he won the third step of the podium. The Cincinnati transport company is North America’s second largest freight brokerage company and has the ability to connect customers with a network of over 60,000 carriers. Technology and customer care are the weapons of its success. 

Adobe is the fourth happiest company, according to CareerBliss. The Silicon Valley technology giant invented PDFs and launched them in 1993. It claims PDFs have reduced environmental impact by 91% and produced 90% savings compared to paper-based processes . And Adobe Photoshop software is used by 90% of creative professionals. “The atmosphere is highly collaborative and energizing. People have always been friendly and helpful, “wrote an interviewed employee.The 

pharmaceutical giant Amgen is in fifth place.The drug for arbrite Enbrel is its best-selling product, with revenues of nearly $ 6 billion in 2016 alone ” The balance between work and private life is fantastic. Working for Amgen is very rewarding because you have the chance to see the positive impact that your work has on the lives of patients, “said a West Coast employee.

The world today has profoundly changed. And this is not new. Progress and growth in the twentieth century were linear and constant, but in the 21st century nothing can be foreseen , nothing is clear. Especially if we talk about companies, today, the risk is very high and the questions that many entrepreneurs ask themselves are: are they able to deal with the damages for my responsibilities? To protect my employees? What kind of economic protection does my company have if production remains steady?

In short, there is no venture without risk, but not all risks are good. In fact, there are speculative risks that are physiological and good (ie those risks linked to future events that can increase or reduce the value of the company, eg launch of new products, new markets, financial investments) and there are risks pure that are, so to speak, bad (that is, non-competitive risks connected to sudden events capable of reducing the value of the company, eg fires, accidents, civil liability).

And it is precisely starting from the bad risks that companies have to acquire greater awareness and protect themselves . By unpacking the concept, protecting your business means:

•     Protect financial capital ;
•     Protect economic capital ;
•     Protect capital assets ;
•     Protect human capital ;
•     Protect cultural capital ;
•     Protect the fiduciary capital ;
•     Protect civil capital .

To protect all these aspects the entrepreneur needs to take out an insurance policy : but what are the arguments that drive him to secure his company? Insured SMEs can access credit with lower average rates and have a better credit-to-loan ratio . Moreover, for the companies that assure the production processes, the contingencies do not impact on the heritage , but only on production (but this can also be guaranteed).
On the other hand, unforeseen PMIs double their negative consequences, impacting both on production and on the ability to repay the contracted debt or require additional financing for the repair. It is clear, from this simple analysis, how important it is for entrepreneurs to insure their company and not manage contingencies on their own.

Specifically, there are 3 types of integrated coverage to protect business income. Let’s see them in detail.

Protection of invested capital

The protection of invested capital refers to the protection of material productive factors and of production continuity . In simpler terms, every entrepreneur relies on the machinery, on the various plants, on the logistics for the productivity of his company: in case of unexpected damage, how can he prepare the economic resources necessary to buy new machinery , or fix existing ones, and resume the production activity as soon as possible? Thanks to a protection of the invested capital, the company can cope with this need.

Protection against civil liability

The civil liability of a company refers to the responsibility that the carrying out of the activity has in respect of damage caused to third parties : for example, a mistake by employees , damage caused by a defective product, an unexpected product produced by the building. These damages are difficult to quantify , unlike the damages that affect the company assets, and without adequate insurance coverage they can represent a huge risk for the assets.

Protection of human capital

A company goes forward only and thanks to the resources that the entrepreneur decides to put in place for the achievement of business objectives. It is necessary to protect and  protect the workforce in order to face the situation if injuries , illness or death are necessary . The insurance on human capital also help to create welfare in the company, they manage to retain the employee and make him feel part of a reality that cares about its tranquility and its effectiveness on the job.

In conclusion, company safety is an important point not to lose the continuity of production that guarantees constant growth , both for companies and for workers.