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Employers may need to account for some extra online activity this holiday season: employees' furtive online shopping at work.

A new survey has found that approximately one in three Americans admit to shopping online while on the clock -- and not just during the holidays. Many of those surveyed explained they simply didn't have time outside of work to do their shopping.

How can employers craft company policy to account for this online shopping trend?

Turning a successful business into a franchise is a great way to turn a good idea into a great company. But that success may also create the need for additional business insurance.

With the rise in lawsuits targeting chain businesses, insurers are now offering new types of business insurance for franchisers covering a variety of legal actions, reports Businessweek. This type of policy may cover everything from customer disputes with individual franchisees that turn into lawsuits against the owner of the franchise to employment disputes. And this is just the latest of many options for business owners when it comes to business insurance.

But the question remains: Should franchises purchase business insurance?

The specter of a Black Friday lawsuit can certainly cast a pall over what should be one of the biggest days of the year for many SMB retailers.

Fortunately retailers can certainly take precautions to keep shoppers safe and prevent the injuries or other incidents that have led to past Black Friday lawsuits

What can business owners learn from these previous Black Friday lawsuits? Here are three lessons:

By now, your business likely has some form of social media presence, whether on Facebook, Twitter, Pinterest, or possibly all of the above.

But what about Instagram? This mobile photo- and video-sharing network is becoming an increasingly powerful way for businesses to market their products and services, reports The Associated Press. What should business owners considering or already using Instagram to market their businesses be aware of?

Here are five legal tips for small business owners on Instagram:

When hackers compromise your business' systems, you may want to bring every cyber-facet of your company on full lockdown.

That's certainly what the U.S. State Department recently did after it learned that cyberintruders had infiltrated an unclassified email network used by President Obama's close circle of aides. Your company may not have the resources that the federal government commands, but there are some hard lines you can draw to re-establish security after a cyberattack.

Here three all-or-nothing hacking remedies you may want to consider:

With the hustle and bustle of the holidays, many business owners -- especially retail business owners swamped by holiday shoppers -- may have more important things to do than worry about than the weather.

But when cold weather hits, a little preventative maintenance and forethought can save you from an unwelcome holiday surprise, such as a flooded building or a personal injury lawsuit.

What can you do to (legally) protect your business during a cold snap? Here are three things to keep an eye on:

Like the song says, "It's the most wonderful time of the year."

For many business owners -- especially retailers -- the holidays are the busiest, and most important, time of the year. But even if your business doesn't pick up during the holiday season, you'll likely still have to handle many holiday-related issues, from employees taking time off to dealing with with icy sidewalks.

What are some of the important legal issues that business owners should be aware during the holiday season? Here are our Top 10:

Business owners and casual shoppers may recognize the presence of "You Break It, You Buy It" signs in various retail businesses.

Small businesses have a good deal of leeway to define the legal terms of how customers may interact with them and their merchandise, but this isn't to say that companies can act like mini-warlords on their own property.

So what exactly is the legal effect of a "You Break It, You Buy It" warning, and how can your business employ such a policy?

Your business may have a casual and fun atmosphere, which may border at times on juvenile. But you should think twice about letting your workplace become like a locker room or frat house.

Not only is the image of a locker room not consistent with a professional (and clean-smelling) workspace, but it may encourage misconduct that could open your business to liability.

So before you join in on a light-hearted office prank, consider these five ways in which a "locker room" office culture can get your business sued:

Your business may not welcome the idea of alcohol-abusing employees as part of your workforce, but are you legally required to get them treatment?

That's what former Telemundo Chicago anchor Edna Schmidt is claiming after she was allegedly fired for being drunk on the air. According to TMZ, Schmidt says she was fired for being sauced, despite those at Telemundo being aware of her alcohol problems. She's now suing under the Americans with Disabilities Act.

Does your business have to give alcoholics treatment before giving them the boot?