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NEXT Insurance has launched a new multi-location workers’ compensation (WC) coverage option, allowing small business owners operating multiple locations within a single state to secure coverage under a single policy. The move positions NEXT as one of the first WC insurers to offer a fully digital solution for businesses managing multiple sites. The new coverage is designed for small businesses with multiple branches or offices, addressing the increasing complexity of insurance needs as they expand and hire more employees. With workplace accidents posing a growing risk for expanding businesses, the multi-location WC policy enables small business owners to manage their ins…

Small business optimism dropped across all major industry sectors in April, with retail businesses showing the steepest decline, according to the latest industry-specific Small Business Economic Trends survey released by the National Federation of Independent Business (NFIB) Research Center on Tuesday. The quarterly report focuses on four major sectors: construction, manufacturing, retail, and services. All four sectors reported a decrease in optimism compared to the previous quarter, although three out of the four — construction, manufacturing, and services — maintained optimism levels above the long-term average Optimism Index of 98, recorded over the last 51 years. “…

The National Federation of Independent Business (NFIB) has announced its strong support for the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act, a bipartisan bill introduced by Rep. Neal Dunn (FL-02). The legislation aims to eliminate barriers preventing independent auto repair shops from accessing critical tools, software, and repair manuals that are currently available only to manufacturers and authorized service centers. In a letter sent to Rep. Dunn from NFIB’s Principal in Foreign Government Relations Andrea McGee writes, “NFIB represents approximately 300,000 small and independent businesses across the country. As the role of technology become…

The National Federation of Independent Business (NFIB) reported a decline in small business optimism for February, with its Small Business Optimism Index falling by 2.1 points to 100.7. Despite the decline, this marks the fourth consecutive month the index has remained above the 51-year average of 98. However, the index remains 4.4 points below its recent peak of 105.1 recorded in December. Meanwhile, the Uncertainty Index rose by four points to 104, marking the second-highest reading ever recorded. “Uncertainty is high and rising on Main Street, and for many reasons,” said NFIB Chief Economist Bill Dunkelberg. “Those small business owners expecting better business condi…

Nimble, a CRM platform tailored to small businesses and marketing professionals, has introduced its new Email Marketing feature, enabling users to conduct large-scale, HTML-powered, and trackable email campaigns directly from within the platform. The feature, announced on April 3, 2025, is designed to support outreach efforts such as newsletters, webinars, and promotional messages. According to Nimble, the new capability helps users bypass the limitations of email platforms like Google and Microsoft, which typically restrict daily sends to around 500 emails per user. The Email Marketing feature allows users to send unlimited emails to segmented lists and manage campaigns…

The New Jersey Economic Development Authority (NJEDA) will begin accepting applications next week for the Route 80 Business Assistance Grant Program, a financial aid initiative designed to support small businesses impacted by lane closures on Route 80 in Morris County. Applications open Tuesday, April 22, 2025, at 10:00 a.m. The grant program targets small businesses and non-profits located within five miles of Route 80’s Exit 34, where ongoing sinkhole repairs have caused significant traffic disruptions. Businesses in this area have reported declines in revenue since the repairs began. Grants will range from $1,000 to $15,000. According to NJEDA, eligible applicants mu…

In a significant development highlighting the complexities of the Paycheck Protection Program (PPP), the U.S. Attorney’s Office has reached a settlement with Education for Just Peace in the Middle East, known as the US Campaign for Palestinian Rights (EfJP). The organization, a Washington, D.C.-based non-profit, agreed to pay $353,000 to resolve allegations concerning its participation in the $800 billion PPP, established under the CARES Act to alleviate economic distress during the COVID-19 pandemic. Key benefits of the PPP were evident for many small businesses and non-profits that sought financial relief to cover payroll, rent, and other essential expenses. EfJP recei…

NordVPN’s identity theft protection solution, NordProtect, is now available as a stand-alone service in the United States, allowing users to access identity theft protection without purchasing a NordVPN Prime plan. In addition to this change, NordProtect now includes online fraud coverage, providing financial compensation for victims of various online scams and fraudulent activities. Expanded Protection Against Online Scams NordProtect’s new online fraud coverage offers support for users affected by scams such as romance fraud, marketplace fraud, QR code scams, and fraudulent credit card charges. These protections aim to mitigate financial losses caused by cybercriminals…

The North Carolina Community College System announced it is partnering with Goldman Sachs to launch the 10,000 Small Businesses initiative across the state. The effort is part of Goldman Sachs’ $100 million national Investment in Rural Communities, aimed at bolstering small business growth and economic development. For more than 15 years, 10,000 Small Businesses has offered free business education, access to capital, and tailored support services to help entrepreneurs grow. In 2023, Goldman Sachs expanded the program into rural areas across 20 states, and North Carolina now joins the initiative’s latest expansion. “This partnership with Goldman Sachs reflects our system…

The National Small Business Association (NSBA) released its 2025 Small Business Taxation Survey, highlighting the challenges small businesses face due to federal tax laws. The report underscores concerns about the expiration of the 2017 Tax Cuts and Jobs Act, which many small businesses fear will result in significant tax increases. According to the survey, 83% of small businesses are structured as pass-through entities, meaning they pay business taxes at the personal income level. This structure makes them particularly vulnerable to potential tax hikes if Congress does not extend expiring tax cuts. Other major findings include: More than 20 hours per year are spent d…

A recent indictment shines a spotlight on the ongoing concerns surrounding the Paycheck Protection Program (PPP) and its vulnerability to fraud, an issue that continues to affect small business owners across the nation. Clarence Gardener, a 50-year-old resident of Odessa, has been charged with wire fraud related to the scheme that allegedly defrauded the Small Business Administration (SBA) of over $250,000 in PPP funds. The PPP was introduced as part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act to provide economic relief to struggling businesses during the pandemic. With billions disbursed, the program has been a lifeline for many small businesses, b…

A new survey by Omnisend reveals that AI-powered customer service tools may be driving shoppers away rather than improving their online experience. According to the survey, 39% of shoppers have abandoned a purchase due to frustrating interactions with AI chatbots, while 40% cite poor customer service as AI’s biggest drawback in ecommerce. Despite concerns, 88% of consumers reported having at least one conversation with an AI chatbot in the past year. However, only 28% of shoppers believe AI consistently understands their needs. Additionally, 53% of respondents rated their experience with AI chat support as average to extremely poor. Challenges in AI-Driven Customer Supp…

As the holiday season approaches, new trends in gifting are taking shape. A recent survey conducted by the National Cryptocurrency Association (NCA) and PayPal reveals that nearly one in five Americans prefer receiving cryptocurrency over traditional gift cards this season. This shift highlights an emerging opportunity for small business owners to tap into the growing appetite for crypto as a valid form of gifting and payment. The NCA PayPal Holiday Crypto Report indicates that 17% of respondents would rather receive crypto than a gift card this year. Additionally, 31% believe cryptocurrency gifts are less likely to go unused compared to their gift card counterparts. Thi…

OpenAI has announced the release of new tools designed to help developers and enterprises build AI agents that can independently accomplish tasks on behalf of users. The update includes a suite of APIs and tools aimed at simplifying the development of agentic applications. According to OpenAI, “We’re launching a new set of APIs and tools specifically designed to simplify the development of agentic applications.” These tools include the Responses API, built-in tools for web search, file search, and computer use, the new Agents SDK, and integrated observability tools for tracking agent workflow execution. Responses API: A New Foundation for AI Agents OpenAI’s new Response…

OpenAI has launched its latest models, o3 and o4-mini, described as the company’s smartest and most capable releases to date. The new models are now available to ChatGPT users with full access to tools like web browsing, file analysis with Python, visual input reasoning, and image generation. OpenAI says o3 is its most powerful reasoning model yet, delivering state-of-the-art performance in coding, math, science, and visual tasks. The model significantly reduces major errors compared to its predecessor, OpenAI o1, and shows notable improvements in programming, business consulting, and creative ideation. Meanwhile, o4-mini offers fast, cost-efficient reasoning. Optimized…

OpenAI has announced the release of Codex, a cloud-based software engineering agent designed to assist developers by performing parallel coding tasks such as writing features, fixing bugs, answering questions about codebases, and proposing pull requests. The tool is now available as a research preview to ChatGPT Pro, Enterprise, and Team users, with Plus and Edu support expected soon. Codex is powered by codex-1, a version of OpenAI’s o3 model optimized specifically for software development. According to OpenAI, codex-1 was trained using reinforcement learning on real-world coding scenarios to closely match human programming styles, follow instructions precisely, and tes…

OpenAI has introduced GPT-4.5, a research preview of its latest and most advanced AI model, which is now available to ChatGPT Pro users and developers worldwide. The model represents “a step forward in scaling up pre-training and post-training,” according to OpenAI. GPT-4.5 advances OpenAI’s approach to AI development by focusing on unsupervised learning, a technique that enhances a model’s ability to recognize patterns, draw connections, and generate creative insights without explicit reasoning. “GPT-4.5 is an example of scaling unsupervised learning by scaling up compute and data, along with architecture and optimization innovations,” OpenAI stated in its announcement…

OpenAI has launched its most advanced image generation technology to date, integrating the capability directly into GPT-4o, its natively multimodal model. The new feature is now rolling out to Plus, Pro, Team, and Free users in ChatGPT, with Enterprise and Edu access coming soon. Developers will also gain access via the API in the coming weeks. OpenAI stated, “At OpenAI, we have long believed image generation should be a primary capability of our language models. That’s why we’ve built our most advanced image generator yet into GPT-4o. The result—image generation that is not only beautiful, but useful.” Multimodal, Context-Aware Image Creation The image generation tool …

OpenPhone has launched Sona, a new AI-powered agent designed to ensure businesses never miss a customer call again. The announcement, made April 17, introduces Sona as the first AI agent purpose-built for the essential front-office needs of small businesses and startups. OpenPhone describes Sona as a tool that helps businesses resolve customer issues instantly and convert every interaction into a growth opportunity. With 24/7 availability, Sona aims to eliminate missed calls and the potential revenue loss that can follow. “At OpenPhone, we bring all customer data and communication into one place. We organize customer communications from start to finish, enabling teams t…

Operation HOPE, a national nonprofit dedicated to entrepreneurship and financial literacy, has announced a partnership with SCORE, the largest network of volunteer business mentors in the U.S. The collaboration aims to expand mentorship and resources for small businesses and underrepresented entrepreneurs across the country. SCORE, a volunteer organization with more than 10,000 mentors, has provided free business guidance for six decades. Through this partnership, SCORE will extend its mentorship services to small businesses participating in Operation HOPE’s 1 Million Black Business Initiative (1MBB) and clients recovering from natural disasters. The 1MBB program, launc…

Optimizing your personal workflow management is crucial for enhancing productivity and efficiency. To start, you’ll need to define your workflow needs by evaluating your tasks and priorities. Next, you can build a customized strategy that breaks larger projects into manageable steps. Automation of repetitive tasks can save considerable time, allowing you to focus on more strategic activities. By employing effective scheduling techniques, you can better manage your time. The next step involves monitoring your progress and making necessary adjustments. Key Takeaways Engage in self-reflection to identify your strengths and weaknesses, shaping a tailored workflow strategy…

Key Takeaways Importance of a Publishing Schedule: A well-structured social media publishing schedule saves time, ensures consistency, and builds trust with your audience. Key Components: Essential elements include a content calendar, publishing frequency, content diversity, platform consideration, and performance analysis. Audience Understanding: Tailor your content based on audience demographics and preferences to enhance engagement and community interaction. Effective Tools: Utilize scheduling tools like Hootsuite, Buffer, Sprout Social, and Sprinklr to streamline your workflow, automate posting, and optimize engagement. Measure Success: Analyze engagement metri…

Optimum Business and the LIA Foundation have announced the relaunch of the L.O.C.A.L. (Lifting Our Community Businesses Across Long Island) Small Business Grants, aimed at supporting small businesses across Nassau and Suffolk Counties. Now in its second year, the program will award $5,000 grants to 40 selected small businesses, along with two grand prize grants of $25,000—one each for a business in Nassau and Suffolk County. According to the announcement, the program’s goal is to invest directly in the local economy by helping small businesses grow and thrive. The L.O.C.A.L. grants are made possible through Optimum Business, the program’s founding partner. “Optimum Busi…

Optimum Business and the Charleston Area Alliance have announced the opening of applications for the Lifting Up Small Businesses Grants, a new initiative aimed at bolstering small business growth in Kanawha County. As part of the program, 25 small businesses will each receive a $5,000 grant, totaling $125,000 in funding to support long-term economic prosperity in the region. The grant program, introduced on April 14, 2025, is designed to directly support local entrepreneurs and strengthen the community’s economic infrastructure. Selected recipients will be announced later this year. The initiative includes recognition events hosted by Optimum Business, where local offici…

Optimum announced the launch of three new offerings on Thursday, aimed at improving in-home internet coverage, enhancing cybersecurity protections for small and medium-sized businesses, and expanding customer support for connected and entertainment devices. The suite of new products includes Whole Home Wi-Fi, Optimum Business cybersecurity solutions, and a new tiered Total Care customer support plan. “We are proud to introduce these innovative solutions that address the evolving needs of both our residential and business customers,” said Luciano Ramos, Chief Product and Technology Officer at Optimum. “Whether it’s ensuring reliable connectivity anywhere in your home, dig…