Small businesses are mandated to withhold federal income, Social Security, and Medicare taxes from employee pay. Use IRS Publication 15 for guidance.

File Form 941 every 3 months and Form 940 once a year. Failure to comply can lead to fines and interest charges, such as those incurred for late Form 941 filings.

Ok, so tell me, if I use travel insurance, what are the specific limitations and exclusions of these policies in case of trip cancellations, delays, or baggage loss?