Seasonal and temporary workers have always been common in industries such as manufacturing, construction, landscaping and retail. However, since the recession, more employers—including those who traditionally employed permanent professionals—have turned to temps and contract workers to satisfy their staffing needs.

The Great Recession was a miserable time for most Americans. Property values plummeted, creating underwater mortgages. Stocks took a hit, devastating retirement savings. Thousands upon thousands lost their jobs. But some experts say that enormous storm cloud had a decidedly silver lining: consumer savings spiked after the recession as Americans took a more cautious look at their economic future. There has also been an increased interest in financial protection products—including disability insurance.

Facebook, Instagram, Pinterest, Twitter—you may already use these social media websites in your personal life to connect with friends, share photos with family, and follow the exploits of celebrities and politicians. But are you using them in your business? If not, you may be missing out.

Workplace wellness programs are about more than lowering your employees’ blood pressure and helping them reduce stress. In addition to those (and other) health-improving benefits, an effective wellness program can minimize insurance costs, reduce sick days and time away from work, and even increase morale and productivity. Of course, the key word here is “effective.” Whether you have a program in place or are just beginning to construct one, you may want to steal these ideas other company’s swear by.

Do you believe everything you hear about insurance when talking to fellow business owners? If so, you’ve probably been privy to—and maybe even regard as true—a few small business insurance misconceptions. Consider the following common mistaken beliefs to avoid.