Business Property Insurance
In most instances, your home business will need business property
insurance. Business property insurance insures against loss or
damage to property used in the business. If, for example, a fire occurs
and your home office is destroyed, your computer, fax machine, copier,
furniture and printer would not be covered under your homeowners'
policy. You need a business property policy to provide that coverage.
-------------------------------------------------
Businesses often need to make a decision regarding whether they will
buy actual cash value coverage or replacement cost coverage. For the
home business, in most cases the business owner should secure
replacement cost coverage and verify with their insurance
professional that electronics are absolutely covered under the policy.
Actual cash value policies may have lower premiums, but most home
businesses cannot afford the lower settlement value after a
catastrophic loss.
In most instances, your home business will need business property
insurance. Business property insurance insures against loss or
damage to property used in the business. If, for example, a fire occurs
and your home office is destroyed, your computer, fax machine, copier,
furniture and printer would not be covered under your homeowners'
policy. You need a business property policy to provide that coverage.
-------------------------------------------------
Businesses often need to make a decision regarding whether they will
buy actual cash value coverage or replacement cost coverage. For the
home business, in most cases the business owner should secure
replacement cost coverage and verify with their insurance
professional that electronics are absolutely covered under the policy.
Actual cash value policies may have lower premiums, but most home
businesses cannot afford the lower settlement value after a
catastrophic loss.
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Four basic sections of the insurance policy as
follows:
Declarations page. This names the policyholder,
describes the property or liability to be insured,
states the coverage, and specifies the maximum the
insurer will pay in case of loss.
Insurance agreement.
This describes both sides' mutual responsibilities
while the policy is in force. Often this section will tell
the policyholder when, how and why claims should
be filed and the insurers alerted.
Conditions of the policy. This spells out in detail
what is covered and what is required of both parties
in case of a loss.
Exclusions. This lists specific perils, property and
losses that are not covered.
follows:
Declarations page. This names the policyholder,
describes the property or liability to be insured,
states the coverage, and specifies the maximum the
insurer will pay in case of loss.
Insurance agreement.
This describes both sides' mutual responsibilities
while the policy is in force. Often this section will tell
the policyholder when, how and why claims should
be filed and the insurers alerted.
Conditions of the policy. This spells out in detail
what is covered and what is required of both parties
in case of a loss.
Exclusions. This lists specific perils, property and
losses that are not covered.
Establish an agent relationship
You’ll want to work with an insurance agent who you
are comfortable with and could envision yourself
working with for the long-term. Conversely, be wary of
agents who try to load you up with policies. The agent
should view you as a long-term client and should
respect the fact that you’re in the early stages of
operations. Do a lot of comparison shopping among
insurance agencies, and look for opportunities to
bundle your plans together with one agent. Some
agents will offer you a discount on multiple policies,
but it is fine to use several agents if the numbers
make more sense.
You’ll want to work with an insurance agent who you
are comfortable with and could envision yourself
working with for the long-term. Conversely, be wary of
agents who try to load you up with policies. The agent
should view you as a long-term client and should
respect the fact that you’re in the early stages of
operations. Do a lot of comparison shopping among
insurance agencies, and look for opportunities to
bundle your plans together with one agent. Some
agents will offer you a discount on multiple policies,
but it is fine to use several agents if the numbers
make more sense.
Business Auto
Your personal auto policy does not cover a business use of your
vehicle. If you will make deliveries, visit clients, pick up packages or
use your auto for a business purpose and you get in an accident,
your personal auto policy will not cover you. Business auto is
relatively inexpensive and an absolute necessity if you use the car
for any business reason.
Other Coverages and Considerations
Because of the rise in the number of home businesses, a number of
insurers are starting to offer some of these coverages as
endorsements and riders on standard homeowners' policies. Other
insurers offer specialty policies that cover both home and office. The
home business person must compare these coverages to the actual
cost of obtaining separate business coverage. The home business
owner must compare and contract the coverages available under
such products in comparison to purchasing a separate business
policy. Sometimes the products offer less coverage and are
packaged together solely for convenience.
Finally, the home business must comply with all regulations, health
codes, laws, regulations and statutes. A failure to do so may void
coverage. Employment laws must be followed. If you will have
employees, you will need workers' compensation coverage.
Your personal auto policy does not cover a business use of your
vehicle. If you will make deliveries, visit clients, pick up packages or
use your auto for a business purpose and you get in an accident,
your personal auto policy will not cover you. Business auto is
relatively inexpensive and an absolute necessity if you use the car
for any business reason.
Other Coverages and Considerations
Because of the rise in the number of home businesses, a number of
insurers are starting to offer some of these coverages as
endorsements and riders on standard homeowners' policies. Other
insurers offer specialty policies that cover both home and office. The
home business person must compare these coverages to the actual
cost of obtaining separate business coverage. The home business
owner must compare and contract the coverages available under
such products in comparison to purchasing a separate business
policy. Sometimes the products offer less coverage and are
packaged together solely for convenience.
Finally, the home business must comply with all regulations, health
codes, laws, regulations and statutes. A failure to do so may void
coverage. Employment laws must be followed. If you will have
employees, you will need workers' compensation coverage.
Liability Insurance
Liability insurance protects the business when it is liable for
damages caused to another or another's property. This type of
business insurance is necessary if business visitors will visit the
house. Your homeowners' policy will not protect you from claims
made by injured business visitors. Business visitors include delivery
people and couriers. If a courier slips and falls on your front steps
making a business delivery and you face liability for their injury, the
homeowners' policy provides no coverage.
Professional Liability or Acts Coverage
Professionals working from their home still need the same
professional liability insurance as professionals working out of an
office. As straightforward as this sounds, many professionals do not
secure professional liability insurance when they work out of their
home. It is important that you try and avoid any gaps in coverage. For
example, if you are transitioning from a paid position to a new home
business and your prior employer provided professional liability
insurance, do your best to secure coverage that will be in place the
moment the prior coverage lapses. Even if this means insuring a
period where you perform no services (perhaps after a pregnancy)
your premiums, in the long run, will be less expensive without a
coverage gap.
Product Liability Coverage
Product liability coverage protects the business if the business is
liable for damages to a person or property caused by a product
supplied, designed or manufactured by the company. If you make or
supply something, consult with your insurance professional on the
need for this coverage.
Liability insurance protects the business when it is liable for
damages caused to another or another's property. This type of
business insurance is necessary if business visitors will visit the
house. Your homeowners' policy will not protect you from claims
made by injured business visitors. Business visitors include delivery
people and couriers. If a courier slips and falls on your front steps
making a business delivery and you face liability for their injury, the
homeowners' policy provides no coverage.
Professional Liability or Acts Coverage
Professionals working from their home still need the same
professional liability insurance as professionals working out of an
office. As straightforward as this sounds, many professionals do not
secure professional liability insurance when they work out of their
home. It is important that you try and avoid any gaps in coverage. For
example, if you are transitioning from a paid position to a new home
business and your prior employer provided professional liability
insurance, do your best to secure coverage that will be in place the
moment the prior coverage lapses. Even if this means insuring a
period where you perform no services (perhaps after a pregnancy)
your premiums, in the long run, will be less expensive without a
coverage gap.
Product Liability Coverage
Product liability coverage protects the business if the business is
liable for damages to a person or property caused by a product
supplied, designed or manufactured by the company. If you make or
supply something, consult with your insurance professional on the
need for this coverage.
Why Your Business Needs Business Insurance
Three Common Myths About Liability and
Understanding the Value of Insurance
KNOWLEDGEFINANCIAL.COM-- Explains:
Myth #1: Nobody will sue me, my business does not
make a lot of money, and you “can’t squeeze blood
from a turnip.” My business is not collectible.
FALSE. Everybody and every business can be sued.
Everybody and every business, once a money
judgment is rendered against them, can have that
judgment collected. Judgment liens do not “go away”.
Judgment liens can be renewed. Wages can be
garnished. Equipment can be seized and sold. Bank
accounts and assets can be seized to pay the
judgment. Everybody is collectible at the hands of a
persistent attorney.
Myth #2: My business is a corporation. The corporate
format protects me from liability, so I don’t need
insurance.
FALSE. The corporate format does nothing but protect
individual investors, owners, and officers from
personal liability for the actions and debts of the
corporation for corporate purposes. But, under the
laws of all states, the “corporate veil” of protection can
be removed – or, “pierced” – under some
circumstances. When that occurs, the owner may be
liable personally and must answer a judgment with
personal assets: your house, your car or, maybe, your
life savings. When this occurs varies by state. But, a
simple rule of thumb is that the smaller you are the
more likely this will be.
Myth #3: If I die or become disabled, my family and my
business partners are friends and they’ll just work it
out.
FALSE. Most small businesses do not survive the
death or disability of a principal member. Most children
do not follow parents into the family business. Most
businesses do not have the cash flow necessary to pay
the estate of a deceased member for its interest in the
business and the business may be dissolved. Finally, in
my experience, remaining family members and
business partners rarely work things out after the
death or disability of a member.
Once you understand that these myths are simply false,
you will be more secure in your decision to purchase
insurance and value insurance as an investment in
your business.
There are other myths that I have run into over the
years; but, to summarize, I have yet to find a business
owner with a cognizable reason for not having
insurance. Your business needs to be insured.
Three Common Myths About Liability and
Understanding the Value of Insurance
KNOWLEDGEFINANCIAL.COM-- Explains:
Myth #1: Nobody will sue me, my business does not
make a lot of money, and you “can’t squeeze blood
from a turnip.” My business is not collectible.
FALSE. Everybody and every business can be sued.
Everybody and every business, once a money
judgment is rendered against them, can have that
judgment collected. Judgment liens do not “go away”.
Judgment liens can be renewed. Wages can be
garnished. Equipment can be seized and sold. Bank
accounts and assets can be seized to pay the
judgment. Everybody is collectible at the hands of a
persistent attorney.
Myth #2: My business is a corporation. The corporate
format protects me from liability, so I don’t need
insurance.
FALSE. The corporate format does nothing but protect
individual investors, owners, and officers from
personal liability for the actions and debts of the
corporation for corporate purposes. But, under the
laws of all states, the “corporate veil” of protection can
be removed – or, “pierced” – under some
circumstances. When that occurs, the owner may be
liable personally and must answer a judgment with
personal assets: your house, your car or, maybe, your
life savings. When this occurs varies by state. But, a
simple rule of thumb is that the smaller you are the
more likely this will be.
Myth #3: If I die or become disabled, my family and my
business partners are friends and they’ll just work it
out.
FALSE. Most small businesses do not survive the
death or disability of a principal member. Most children
do not follow parents into the family business. Most
businesses do not have the cash flow necessary to pay
the estate of a deceased member for its interest in the
business and the business may be dissolved. Finally, in
my experience, remaining family members and
business partners rarely work things out after the
death or disability of a member.
Once you understand that these myths are simply false,
you will be more secure in your decision to purchase
insurance and value insurance as an investment in
your business.
There are other myths that I have run into over the
years; but, to summarize, I have yet to find a business
owner with a cognizable reason for not having
insurance. Your business needs to be insured.
Introduction to Business Insurance
KNOWLEDGEFINANCIAL.COM--- Explains:
Most people are familiar with insurance for their
personal home and automobile. This coverage protects
you financially in case of an accident or disaster to your
home or car. We are familiar with these types of
insurance because it is natural for most people to realize
that they would be unable to replace their home
tomorrow if there was a fire or to replace their
automobile if there was an accident.
The same principle applies to business insurance. The
principle is one of risk. There are risks that, while they
may never occur, are so destructive that it makes sense
to plan ahead and manage the risk. In our personal lives
these risks are often more easily foreseeable.
Business insurance is a broad description that
encompasses these different types of policies. Because
there are so many different types of coverage it is
confusing. But, at the very basic level, the concept is the
same – the management of risk.
Preparing to Purchase Insurance
Managing the risk your company faces is a constant
effort. But, the first step is preparing to purchase
insurance. The following is an outline of that process
that will prove helpful.
Learn About Different Types of Coverage
Take time to develop an understanding of the types of
coverage available in order to discuss them with your
insurance professional. You may not need to know the
intricacies of any particular coverage; but,
understanding, for example, that property insurance is
necessary to protect a business location is a basic
concept that goes a long way to making you an informed
business owner.
Analyze Your Business
Analyze your business to make an assessment of what
coverage you will need now and make some educated
guesses at what your business will need in the future.
Sometimes the easiest way to do this is to speak with
others in your industry. Prepare a description of your
business that you have written out so you can quickly
interview different insurance professionals in seeking
quotes for coverage.
Choose an Insurance Professional
Much like an accountant or lawyer, your insurance
professional should be someone with whom you plan to
develop an ongoing relationship. Choosing an insurance
professional and working with that professional is made
easier when you have a clear understanding of your
business and its direction as well as a general idea of
what types of policies are available.
Review Your Initial Business Insurance Plan Regularly
At the initial purchase, set a calendared date to review
your business insurance plan with your insurance
professional regularly. Things change in business.
Commit yourself to monitor that change and review the
need for more or less coverage on a regular and
continuing basis.
KNOWLEDGEFINANCIAL.COM--- Explains:
Most people are familiar with insurance for their
personal home and automobile. This coverage protects
you financially in case of an accident or disaster to your
home or car. We are familiar with these types of
insurance because it is natural for most people to realize
that they would be unable to replace their home
tomorrow if there was a fire or to replace their
automobile if there was an accident.
The same principle applies to business insurance. The
principle is one of risk. There are risks that, while they
may never occur, are so destructive that it makes sense
to plan ahead and manage the risk. In our personal lives
these risks are often more easily foreseeable.
Business insurance is a broad description that
encompasses these different types of policies. Because
there are so many different types of coverage it is
confusing. But, at the very basic level, the concept is the
same – the management of risk.
Preparing to Purchase Insurance
Managing the risk your company faces is a constant
effort. But, the first step is preparing to purchase
insurance. The following is an outline of that process
that will prove helpful.
Learn About Different Types of Coverage
Take time to develop an understanding of the types of
coverage available in order to discuss them with your
insurance professional. You may not need to know the
intricacies of any particular coverage; but,
understanding, for example, that property insurance is
necessary to protect a business location is a basic
concept that goes a long way to making you an informed
business owner.
Analyze Your Business
Analyze your business to make an assessment of what
coverage you will need now and make some educated
guesses at what your business will need in the future.
Sometimes the easiest way to do this is to speak with
others in your industry. Prepare a description of your
business that you have written out so you can quickly
interview different insurance professionals in seeking
quotes for coverage.
Choose an Insurance Professional
Much like an accountant or lawyer, your insurance
professional should be someone with whom you plan to
develop an ongoing relationship. Choosing an insurance
professional and working with that professional is made
easier when you have a clear understanding of your
business and its direction as well as a general idea of
what types of policies are available.
Review Your Initial Business Insurance Plan Regularly
At the initial purchase, set a calendared date to review
your business insurance plan with your insurance
professional regularly. Things change in business.
Commit yourself to monitor that change and review the
need for more or less coverage on a regular and
continuing basis.
10 Steps Before Starting a Small or Home Business
Step 1: Decide What Products or Serivces Your Small Business
will Offer
The first of the steps to starting a small business is to carefully
consider these questions:
What do you have to offer?
What makes you an expert?
Do you have all of the education and skills you'll need to
compete successfully in the marketplace or will you need to do
some brushing up or retraining first?
Does the product or service meet a need?
Is this a seasonal product or service, or can you market it all
year long?
How sensitive is marketing this product or service to general
economic conditions? When the economy is weak, how do you
think your business will be affected?
Will you be energized by going through the steps to starting this
particular small business - is it something you'll love to do or
sell - or are you just going through the motions of starting a
small business to try to make some money?
The saying, "Do what you love, love what you do" should not be
taken lightly. Your business is going to be your livelihood - you
should have a good time doing it. If not, it will be difficult to get
motivated at times.
If you are excited about your business, your customers will
notice and it will be easier to get them excited, too. Plus,
completing the steps to starting your small business will be fun
and much more enjoyable.
-------------------------------------------------------------------------------------------
Step 2: Know Your Market and Your Competition
When you are starting a small or home business,
understanding small business marketing concepts, like getting
a handle on the potential market for what you small business
will have to offer and the value proposition of your small
business is very important. Here are a few things to consider:
Who is going to buy your product or service?
Will you market to businesses, to consumers, or to both?
What traits do you think your "typical" customer or client will
have?
Is the need for your product or service not currently being met
or is it already saturated?
Is there something about what you have to offer that will allow
you to beat your competitors?
How will you differentiate yourself from your competition?
-----------------------------------------------------------------------------------------------------------
Step 3: Make Sure You Can Do the Tasks Needed Before
Starting a Small Business
Before starting a small business, you need to understand and
carefully consider that you'll have a lot of daily tasks that will
need to get done. If you can't do them, who will? If there's no
one to take care of these tasks properly, is it worth starting a
small business?
Answer this question honestly. Can you handle the day-to-day
general tasks that starting a small business requires, like:
setting appointments
ordering supplies
bookkeeping
marketing
filing
answering the phone
checking and replying to e-mail
If you'll have help, great. If you can afford to pay someone else
to do some of these tasks for you, all the better. But a great
majority of home businesses are a one-person operation
starting on a shoestring budget, and most other small business
are not much larger and don't have substantial budgets to hire
help. That means there's a good chance you'll have to do
everything or it just won't get done.
You'll want to think twice about starting a small business if you
are going to be run rugged with the mundane tasks to the point
that you won't have adequate time to do the things you love that
will make you money.
-----------------------------------------------------------------------------------------------------------
Step 4: Make a List of What Needs to be Done to Prepare Your
Home for Business
With the product or service you have in mind, can you handle
the business from your home the way it is right now? If not,
what do you need to do to get it ready?
Will you need space for inventory, supplies, records and/or
equipment?
Do you already have an area you can use for your office or will
you need to bargain with another member of the family to give
up some space?
Is the nature of your inventory or equipment such that special
climate needs must be accommodated?
Do you need to add a room, enclose a patio, convert a garage or
basement, or stake out the attic?
What kind of power needs will you have and will you have to
make any alterations to accommodate them?
As you determine what you'll need, keep track of your estimate
costs because you'll need them later in this exercise.
----------------------------------------------------------------------------------------------------------
Step 5: Understand Legal Barriers to Starting Your Business
Check your zoning laws before starting a small business.
If you live in an area that is subject to the rules and regulations
of a homeowners' or community association, check for
restrictions. Find out what, if any restrictions exist on starting a
small business in your home and how you might work within
them before you invest one cent in your home business.
If you plan on starting a small business in your home, you may
not be able to do so if you welcome clients or customers into
your home, if you will be operating machinery, storing or
working with hazardous materials, making noise, etc. These
and other issues surrounding the nature of your small business
may all have an impact on what you can and cannot do and can
prevent you from starting a small business at entirely.
Will you need a special zoning exemption? Will getting one be a
difficult and drawn out exercise? Is it even legal to operate the
business you're planning? Will you need to secure a license
before starting your small business?
Are your products and services potentially subject to patents,
trademarks or copyrights?
Step 1: Decide What Products or Serivces Your Small Business
will Offer
The first of the steps to starting a small business is to carefully
consider these questions:
What do you have to offer?
What makes you an expert?
Do you have all of the education and skills you'll need to
compete successfully in the marketplace or will you need to do
some brushing up or retraining first?
Does the product or service meet a need?
Is this a seasonal product or service, or can you market it all
year long?
How sensitive is marketing this product or service to general
economic conditions? When the economy is weak, how do you
think your business will be affected?
Will you be energized by going through the steps to starting this
particular small business - is it something you'll love to do or
sell - or are you just going through the motions of starting a
small business to try to make some money?
The saying, "Do what you love, love what you do" should not be
taken lightly. Your business is going to be your livelihood - you
should have a good time doing it. If not, it will be difficult to get
motivated at times.
If you are excited about your business, your customers will
notice and it will be easier to get them excited, too. Plus,
completing the steps to starting your small business will be fun
and much more enjoyable.
-------------------------------------------------------------------------------------------
Step 2: Know Your Market and Your Competition
When you are starting a small or home business,
understanding small business marketing concepts, like getting
a handle on the potential market for what you small business
will have to offer and the value proposition of your small
business is very important. Here are a few things to consider:
Who is going to buy your product or service?
Will you market to businesses, to consumers, or to both?
What traits do you think your "typical" customer or client will
have?
Is the need for your product or service not currently being met
or is it already saturated?
Is there something about what you have to offer that will allow
you to beat your competitors?
How will you differentiate yourself from your competition?
-----------------------------------------------------------------------------------------------------------
Step 3: Make Sure You Can Do the Tasks Needed Before
Starting a Small Business
Before starting a small business, you need to understand and
carefully consider that you'll have a lot of daily tasks that will
need to get done. If you can't do them, who will? If there's no
one to take care of these tasks properly, is it worth starting a
small business?
Answer this question honestly. Can you handle the day-to-day
general tasks that starting a small business requires, like:
setting appointments
ordering supplies
bookkeeping
marketing
filing
answering the phone
checking and replying to e-mail
If you'll have help, great. If you can afford to pay someone else
to do some of these tasks for you, all the better. But a great
majority of home businesses are a one-person operation
starting on a shoestring budget, and most other small business
are not much larger and don't have substantial budgets to hire
help. That means there's a good chance you'll have to do
everything or it just won't get done.
You'll want to think twice about starting a small business if you
are going to be run rugged with the mundane tasks to the point
that you won't have adequate time to do the things you love that
will make you money.
-----------------------------------------------------------------------------------------------------------
Step 4: Make a List of What Needs to be Done to Prepare Your
Home for Business
With the product or service you have in mind, can you handle
the business from your home the way it is right now? If not,
what do you need to do to get it ready?
Will you need space for inventory, supplies, records and/or
equipment?
Do you already have an area you can use for your office or will
you need to bargain with another member of the family to give
up some space?
Is the nature of your inventory or equipment such that special
climate needs must be accommodated?
Do you need to add a room, enclose a patio, convert a garage or
basement, or stake out the attic?
What kind of power needs will you have and will you have to
make any alterations to accommodate them?
As you determine what you'll need, keep track of your estimate
costs because you'll need them later in this exercise.
----------------------------------------------------------------------------------------------------------
Step 5: Understand Legal Barriers to Starting Your Business
Check your zoning laws before starting a small business.
If you live in an area that is subject to the rules and regulations
of a homeowners' or community association, check for
restrictions. Find out what, if any restrictions exist on starting a
small business in your home and how you might work within
them before you invest one cent in your home business.
If you plan on starting a small business in your home, you may
not be able to do so if you welcome clients or customers into
your home, if you will be operating machinery, storing or
working with hazardous materials, making noise, etc. These
and other issues surrounding the nature of your small business
may all have an impact on what you can and cannot do and can
prevent you from starting a small business at entirely.
Will you need a special zoning exemption? Will getting one be a
difficult and drawn out exercise? Is it even legal to operate the
business you're planning? Will you need to secure a license
before starting your small business?
Are your products and services potentially subject to patents,
trademarks or copyrights?
Step 6: Review Your Small Business Insurance Needs
When you go into business, you'll potentially be exposing yourself, your home and your family to a variety of risks. You need to think about how you'll manage those risks and find
out if you need small business insurance to help handle them before it's too late.
Consider this:
Will you need health insurance? If so, how can you get it and how much is it going to cost? When one spouse is still working, the ideal situation may be to get the other included on
the working spouse's health insurance coverage if you can. If not, either the cost or the lack of availability, or both may prevent you from starting your business. More on health
insurance...
If you're carrying inventory, need equipment or are storing hazardous materials what kind of property insurance will you need to avoid suffering financial hardship? Will you need a
small business insurance policy for this purpose and how much will it cost?
Will you need liability insurance? Where can you get liability coverage under a small business insurance policy and how much is it going to cost? Will you need errors and
omissions coverage?
What about your auto insurance? Will you be using your car for business?
Remember, your homeowners' and auto insurance policies weren't designed to cover your small or home business. Your best bet is to shop for small business insurance that can
help you manage your exposure to loss, so do your small business insurance and health insurance shopping ahead of time to save aggravation and surprises later.
Small business insurance can be a major expense of doing business, but some coverages like General Liability may be quite reasonable depending on the nature of your business.
Record any small business insurance cost estimates for this step - you'll need them to determine your startup and operating costs.
-----------------------------------------------------------------------------------------
Step 7: Learn the Risks and Benefits of the Legal Forms of Business Organization
Before you start a small or home business is the time to understand the various legal forms of business organization. Will you operate your business as a sole proprietorship, a
limited liability company (LLC), an S corporation, a partnership, or a full blown C corporation?
You'll want to research issues surrounding the legal form of business organization carefully now, because your decision will affect your startup costs. It will also affect your tax
situation and your personal liability for the actions and debts of the business. Take advantage of the IRS for free tax information on the various legal forms of business organization.
Finally, your decision on which legal form of business organization you will use will largely determine what steps you need to take in order to set up your business when you're
ready to do so.
---------------------------------------------------------------------------------------
Step 8: Determine Your Startup Costs
Calculate your startup costs - the amount of money it's going to take to get up and running. At this point, many of your items are going to be nothing more than estimates, but do the
best you can.
By completing the previous steps you should have a much clearer picture of your startup costs than before you started this exercise. Here are some additional questions that may
help you not to overlook something:
Will you need to hire specialists, like a lawyer or an accountant?
Will you need to buy some office furniture or equipment?
What supplies will you need on hand for Day One? Do you need to purchase a beginning inventory?
Are you going to buy a business or franchise?
Will you have construction costs, and if so, how much needs to be done by professionals and how much can you do yourself?
What can you do to lower your costs?
Take your time with this step. Do some price checking and look for legitimate bargains. You're bound to think of things and adjust your estimates all the way up to your opening day.
The closer you get to opening day, the more accurate your estimate will be.
----------------------------------------------------------------------------
Step 9: Consider Your Break Even Point, Your Cash Flow and Your Funding Options
There are several issues questions you need to consider with this step:
How much will you need to pay your bills until the money starts coming in from your home business?
Will you be keeping your full-time job or is there another breadwinner in the family that can help you until you develop an income stream?
What will your continuing outlays be for items like equipment, salaries and/or inventory?
How many products must you sell or how many hours of service will you need to provide before you reach the break even point?
Where will the money come from? Will you need to borrow or draw down a savings account or sell some investments and/or assets?
Will you need a silent partner to help provide working capital, especially until you reach your break even point and being making a profit?
Are you willing to use your home equity to finance your business?
Have you checked into SBA loans from the U.S. Small Business Administration?
Is there any possibility of getting a grant to start your business?
Knowing these answers will help you decide if you can act now. If not, it can also help you to plan to secure the money you need and help you set a target startup date.
-----------------------------------------------------------------------------------
Step 10: Gauge Your Family's Support for Your Home Business
Hopefully you won't leave this step for last, but doing so won't diminish its importance.
Members of your family, at least those still at home or any family members who may need to make sacrifices or lifestyle changes in order to accommodate your business, need to
know what you're up to and how it might affect them. If you have a spouse or significant other or children living with you, your home business will be a big part of their lives too.
Communication is key to helping them understand. Ask for their support – you'll find that's much more effective than demanding it. Try to understand where they're coming from. If
they have questions, issues, or objections, discuss them openly. Caring and open discussions now help you avoid problems later.
Couples who plan to operate a business together need to have a pretty good idea in advance if that will work for them. It's a good idea to discuss who will be responsible for
specific tasks. If you can't agree on this now, there's a very strong likelihood you won't agree on it later.
Don't let your business damage your family relationships. We all need an occasional getaway and we all need to keep our priorites straight.
A strained family situation is bound to show in your business activities - work hard to keep everyone happy!
When you go into business, you'll potentially be exposing yourself, your home and your family to a variety of risks. You need to think about how you'll manage those risks and find
out if you need small business insurance to help handle them before it's too late.
Consider this:
Will you need health insurance? If so, how can you get it and how much is it going to cost? When one spouse is still working, the ideal situation may be to get the other included on
the working spouse's health insurance coverage if you can. If not, either the cost or the lack of availability, or both may prevent you from starting your business. More on health
insurance...
If you're carrying inventory, need equipment or are storing hazardous materials what kind of property insurance will you need to avoid suffering financial hardship? Will you need a
small business insurance policy for this purpose and how much will it cost?
Will you need liability insurance? Where can you get liability coverage under a small business insurance policy and how much is it going to cost? Will you need errors and
omissions coverage?
What about your auto insurance? Will you be using your car for business?
Remember, your homeowners' and auto insurance policies weren't designed to cover your small or home business. Your best bet is to shop for small business insurance that can
help you manage your exposure to loss, so do your small business insurance and health insurance shopping ahead of time to save aggravation and surprises later.
Small business insurance can be a major expense of doing business, but some coverages like General Liability may be quite reasonable depending on the nature of your business.
Record any small business insurance cost estimates for this step - you'll need them to determine your startup and operating costs.
-----------------------------------------------------------------------------------------
Step 7: Learn the Risks and Benefits of the Legal Forms of Business Organization
Before you start a small or home business is the time to understand the various legal forms of business organization. Will you operate your business as a sole proprietorship, a
limited liability company (LLC), an S corporation, a partnership, or a full blown C corporation?
You'll want to research issues surrounding the legal form of business organization carefully now, because your decision will affect your startup costs. It will also affect your tax
situation and your personal liability for the actions and debts of the business. Take advantage of the IRS for free tax information on the various legal forms of business organization.
Finally, your decision on which legal form of business organization you will use will largely determine what steps you need to take in order to set up your business when you're
ready to do so.
---------------------------------------------------------------------------------------
Step 8: Determine Your Startup Costs
Calculate your startup costs - the amount of money it's going to take to get up and running. At this point, many of your items are going to be nothing more than estimates, but do the
best you can.
By completing the previous steps you should have a much clearer picture of your startup costs than before you started this exercise. Here are some additional questions that may
help you not to overlook something:
Will you need to hire specialists, like a lawyer or an accountant?
Will you need to buy some office furniture or equipment?
What supplies will you need on hand for Day One? Do you need to purchase a beginning inventory?
Are you going to buy a business or franchise?
Will you have construction costs, and if so, how much needs to be done by professionals and how much can you do yourself?
What can you do to lower your costs?
Take your time with this step. Do some price checking and look for legitimate bargains. You're bound to think of things and adjust your estimates all the way up to your opening day.
The closer you get to opening day, the more accurate your estimate will be.
----------------------------------------------------------------------------
Step 9: Consider Your Break Even Point, Your Cash Flow and Your Funding Options
There are several issues questions you need to consider with this step:
How much will you need to pay your bills until the money starts coming in from your home business?
Will you be keeping your full-time job or is there another breadwinner in the family that can help you until you develop an income stream?
What will your continuing outlays be for items like equipment, salaries and/or inventory?
How many products must you sell or how many hours of service will you need to provide before you reach the break even point?
Where will the money come from? Will you need to borrow or draw down a savings account or sell some investments and/or assets?
Will you need a silent partner to help provide working capital, especially until you reach your break even point and being making a profit?
Are you willing to use your home equity to finance your business?
Have you checked into SBA loans from the U.S. Small Business Administration?
Is there any possibility of getting a grant to start your business?
Knowing these answers will help you decide if you can act now. If not, it can also help you to plan to secure the money you need and help you set a target startup date.
-----------------------------------------------------------------------------------
Step 10: Gauge Your Family's Support for Your Home Business
Hopefully you won't leave this step for last, but doing so won't diminish its importance.
Members of your family, at least those still at home or any family members who may need to make sacrifices or lifestyle changes in order to accommodate your business, need to
know what you're up to and how it might affect them. If you have a spouse or significant other or children living with you, your home business will be a big part of their lives too.
Communication is key to helping them understand. Ask for their support – you'll find that's much more effective than demanding it. Try to understand where they're coming from. If
they have questions, issues, or objections, discuss them openly. Caring and open discussions now help you avoid problems later.
Couples who plan to operate a business together need to have a pretty good idea in advance if that will work for them. It's a good idea to discuss who will be responsible for
specific tasks. If you can't agree on this now, there's a very strong likelihood you won't agree on it later.
Don't let your business damage your family relationships. We all need an occasional getaway and we all need to keep our priorites straight.
A strained family situation is bound to show in your business activities - work hard to keep everyone happy!
BUSINESS IDENTITY
Creating a business identity is an essential task to open your
doors for business, or "hang out your shingle", if you prefer.
Here's an orderly and logical sequence of steps you can take to
get your home business up and running by creating its identity.
Before You Establish Your Business Identity
These steps will help you get the doors of your home business
open. However, before you reach this point, you need to have
already:
Brainstormed your business, have a clear idea of what you will
be doing and who your customers are.
Completed at least an informal or preliminary business plan or a
well-thought-out business plan outline.
Considered the benefits and disadvantages of the available legal
forms your business entity could operate under and selected the
form of business that is best for you - at least initially: sole
proprietorship; partnership;limited liability corporation (LLC); C
Corporation; or S Corporation. Most home business
entrepreneurs start out as a sole proprietorship, but you need to
know what the risks are before you do so.
Checked any legal requirements or zoning restrictions against
operating the home business you want to start in your
homeowners' association (if you belong to one), your city or
town and your state.
Getting Your Business Identity Established
Getting Your Business Identity Established
Once you've done your homework and you're ready to get your
home business started, here are 8 steps you can follow and use
as a checklist to establish an identity for your home business:
Brainstorming Your Business Name and Tagline
Brainstorm Your Business Name and Tagline
Your business name and its tagline can create excitement and
buzz for your home business and will be an important part of
your later marketing efforts.
Establishing an Address and Phone Numbers for Your Home
Business
Completing this step early means that your home address and
phone number won't become public record when you do register
your business.
Checking into an Employer ID Number with the IRS
Even if you're not required to have an EIN, getting one is often a
good idea. For one thing, it makes it easier to open a bank
account in your business name and it will help keep your social
security number private.
Opening a Business Bank Account
Part of having a business identity is to keep your business
finances separate from your personal finances. There's just no
better way to do that than to open a business checking account.
Creating Your Business Logo
A good logo goes a long way in establishing your business
identity. Your logo should reflect what your business does. It
should be unique, eye-catching and easy to identify.
Ordering Your Business Cards
Since a business card is often your first impression on a
prospect, you don't want to jeopardize getting new business
because you didn't bother to have your business cards
professionally printed.
Creating and Ordering Your Business Stationery
You can buy stationery or create it yourself. Again, you can use
tools like Microsoft Publisher for this purpose, and plenty of
design templates are provided to make creating custom
stationery easy.
Establishing an Online Presence for Your Business
Websites serve as a useful form of inexpensive advertising for
most businesses. Even the most basic of websites can work
well as your online brochure. You may also decide to set up a
blog for your home business - either in conjunction with, or
instead of, a home business website.
Once You Have a Business Identity
Once you've completed these basic business identity steps, you
will have effectively "hung out your shingle" for starting your
home business.
Creating a business identity is an essential task to open your
doors for business, or "hang out your shingle", if you prefer.
Here's an orderly and logical sequence of steps you can take to
get your home business up and running by creating its identity.
Before You Establish Your Business Identity
These steps will help you get the doors of your home business
open. However, before you reach this point, you need to have
already:
Brainstormed your business, have a clear idea of what you will
be doing and who your customers are.
Completed at least an informal or preliminary business plan or a
well-thought-out business plan outline.
Considered the benefits and disadvantages of the available legal
forms your business entity could operate under and selected the
form of business that is best for you - at least initially: sole
proprietorship; partnership;limited liability corporation (LLC); C
Corporation; or S Corporation. Most home business
entrepreneurs start out as a sole proprietorship, but you need to
know what the risks are before you do so.
Checked any legal requirements or zoning restrictions against
operating the home business you want to start in your
homeowners' association (if you belong to one), your city or
town and your state.
Getting Your Business Identity Established
Getting Your Business Identity Established
Once you've done your homework and you're ready to get your
home business started, here are 8 steps you can follow and use
as a checklist to establish an identity for your home business:
Brainstorming Your Business Name and Tagline
Brainstorm Your Business Name and Tagline
Your business name and its tagline can create excitement and
buzz for your home business and will be an important part of
your later marketing efforts.
Establishing an Address and Phone Numbers for Your Home
Business
Completing this step early means that your home address and
phone number won't become public record when you do register
your business.
Checking into an Employer ID Number with the IRS
Even if you're not required to have an EIN, getting one is often a
good idea. For one thing, it makes it easier to open a bank
account in your business name and it will help keep your social
security number private.
Opening a Business Bank Account
Part of having a business identity is to keep your business
finances separate from your personal finances. There's just no
better way to do that than to open a business checking account.
Creating Your Business Logo
A good logo goes a long way in establishing your business
identity. Your logo should reflect what your business does. It
should be unique, eye-catching and easy to identify.
Ordering Your Business Cards
Since a business card is often your first impression on a
prospect, you don't want to jeopardize getting new business
because you didn't bother to have your business cards
professionally printed.
Creating and Ordering Your Business Stationery
You can buy stationery or create it yourself. Again, you can use
tools like Microsoft Publisher for this purpose, and plenty of
design templates are provided to make creating custom
stationery easy.
Establishing an Online Presence for Your Business
Websites serve as a useful form of inexpensive advertising for
most businesses. Even the most basic of websites can work
well as your online brochure. You may also decide to set up a
blog for your home business - either in conjunction with, or
instead of, a home business website.
Once You Have a Business Identity
Once you've completed these basic business identity steps, you
will have effectively "hung out your shingle" for starting your
home business.
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND
BENEFITS WHILE ALIVE AND AFTER DEATH.
INSURANCE GENERAL KNOWLEDGE, GLOBAL
INSURANCE INFORMATION FOR BETTER CHOICES,
BETTER DECISION, BETTER GUARANTEE AND
BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH ONE OF THE GREATEST
INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE
FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE
AND BROWARD COUNTY FLORIDA. LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for damage
or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is
absolutely necessary on their daily bills, the things that they take
for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of
factors into consideration in order to obtain the best coverage
for your needs at a reasonable price. For instance, how much is
your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you from
lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way,
you get what you pay for. The least costly homeowners
insurance will likely give you the least amount of coverage, and
vice versa.
Life Insurance
Life insurance, payable when you die, can provide a surviving
spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay
debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments.
“Annuity” comes from the Latin for “year”. In the context of life
insurance, it is a contract between you and an insurance
company under which the insurance company pays you money
for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing
healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care
insurance plan. In this article we’ll look at some of the basic
coverages which should be included in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and
Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period
of time due to an injury or illness, how long would
you be able to pay your bills and meet your day-to-
day expenses? LEARN MORE...
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND
BENEFITS WHILE ALIVE AND AFTER DEATH.
INSURANCE GENERAL KNOWLEDGE, GLOBAL
INSURANCE INFORMATION FOR BETTER CHOICES,
BETTER DECISION, BETTER GUARANTEE AND
BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH ONE OF THE GREATEST
INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE
FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE
AND BROWARD COUNTY FLORIDA. LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for damage
or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is
absolutely necessary on their daily bills, the things that they take
for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of
factors into consideration in order to obtain the best coverage
for your needs at a reasonable price. For instance, how much is
your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you from
lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way,
you get what you pay for. The least costly homeowners
insurance will likely give you the least amount of coverage, and
vice versa.
Life Insurance
Life insurance, payable when you die, can provide a surviving
spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay
debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments.
“Annuity” comes from the Latin for “year”. In the context of life
insurance, it is a contract between you and an insurance
company under which the insurance company pays you money
for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing
healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care
insurance plan. In this article we’ll look at some of the basic
coverages which should be included in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and
Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period
of time due to an injury or illness, how long would
you be able to pay your bills and meet your day-to-
day expenses? LEARN MORE...
 | |  | |  | |  | |  |
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| Real Estate Assistance Program For Home-Buyers & sellers FREE MONEY: EARN CASH BACK; BUYERS AND SELLERS YOU CAN PUT MONEY BACK IN YOUR POCKET... Earn a cash back bonus. CLICK HERE... When you buy or sell a home through Real Estate Assistance Program With us ... GET BACK UP TO $2,500.00 ------------------------------------------------------------ FREE ONLINE AD: COMPLETELY FREE, ABSOLUTELY FREE ADVERTISEMENT ON THREE DIFFERENT WEBSITES; NO FEES, NO CHARGES, NO COSTS TO YOU. .. CLICK HERE ... |
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Home-Buying Guide,
Home-Selling Guide,
Mortgage Loan Modification to Avoid Foreclosure,
Home Refinancing Since Interest Rate has Dropped to the bottom low, Real
Estate Financing
No Matter what you heard from the news you still can purchase, Begin
buying process with Mortgage Loane Pre-Qualification.
IF YOU NEED HELP TO BUY OR TO SELL A PROPERTY IN SOUTH FLORIDA ;
LET A PROFESSIONAL LICENSED REALTOR & LICENSED MORTGAGE
BROKER ASSIST YOU.
SOUTH FL. CONTACT Mr. ANTONY AT: 786- 709-6577
Real Estate Assistance Program For Home-Buyers & sellers
FREE MONEY: EARN CASH BACK; BUYERS AND SELLERS YOU CAN PUT
MONEY BACK IN YOUR POCKET...
Earn a cash back bonus. CLICK HERE...
When you buy or sell a home through Real Estate Assistance Program With
us ... GET BACK UP TO $2,500.00
------------------------------------------------------------------------------
Mortgage Loans Information Center ...
Real Estate general Information Center ...
FORECLOSURE SOLUTION! STOP IT NOW. SAVE YOUR EQUITY, SAVE
YOUR CREDIT, AND PUT MONEY BACK IN YOUR POCKET. ----
FORECLOSURE ALTERNATIVES: TIPS TO AVOID THIS NIGHTMARE . ..
FORECLOSURE INVESTMENTS: IT'S A GREAT WAY TO INVEST IN REAL
ESTATE AND MAKE BIG PROFITS; GREAT DEALS. BARGAIN, BARGAIN ...
About Buying HUD Homes? What is a HUD Home? How are HUD Homes
sold?..
SHORT SALE: REAL ESTATE INVESTMENT OPPORTUNITY FOR ALL. SHORT
SALE METHODS AND TECHNIQUES!...
HOW TO BUY SHORT SALE PROPERTIES? HOW TO INVEST IN REAL ESTATE
SHORT SALE AND MAKE BIG PROFIT?
CREATIVE FINANCING: TOP 10 CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
Capital gains tax, Understanding Capital Gains Taxes, Real Estate Capital
Gains Tax
pre-construction: Is by far one of the most viable passive investment
vehicle available in the real estate industry ...
FREE ONLINE AD: COMPLETELY FREE, ABSOLUTELY FREE
ADVERTISEMENT ON THREE DIFFERENT WEBSITES; NO FEES, NO
CHARGES, NO COSTS TO YOU. .. CLICK HERE... [FSBO]
1031 Exchange, Tax Saving Tips for Real Estate Investors and landlords.
1031 Like-Kind Exchanges and Multi-Family Investments: A Very Profitable
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Commercial Real Estate,
Miami Real Estate,
Mobile Home,
Florida Real Estate
BUY ALL YOU WANT RIGHT HERE; THE BEST QUALITY PRODUCTS FROM
THE WORLD GREATEST COMPANIES AT
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Commercial Real estate Investors: Calculator to use and a variety of
mathematical tools to analyze the performance of their investment
properties...
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