For those who run your very own small business, whether you employ a couple of other persons or you work as a sole contractor, then finding the appropriate insurance cover in spot might be crucial for the future of one’s organization. If, for instance, you work as a tree surgeon, then you can be looking at what kinds of common business insurance will be suitable for you personally. You may find that a specialist tree surgeon’s insurance policy could be the right choice rather than a standard business insurance policy, which may not provide all the protection you need.
As a tree surgeon, you work in a very specialist field. To a lot of general business insurers, this field may be seen as high risk. What does this mean for you? It’s simple. A lot of general business policies may not give you all the cover you need at the right cost. So, you may have to pay extra to get a specialist sector cover. This may not be an issue with a specialist policy.
With a specialist tree surgeons’ insurance policy you may even be able to buy an ‘off the shelf’ policy. This means that a policy that you look at may already come with all the features and benefits that are important to you and the business you run. You may, on the other hand, find that a general business policy will ask you to add on important cover elements. If you have to add a cover … READ MORE ...
Running a business comes with a lot of positive and negative sides. There are lots of ups and downs while conducting business too.
As the company grows, you find yourself in a position where you have so many printed documents that you don’t know what to do with them. Some of these documents mustn’t be seen by anyone because of so many reasons. That’s why companies buy shredders and ask employees to destroy some of the vital data.
However, if the company grows big time, and there are millions of docs in your archive room, then you might need a more serious workaround to handle the issue of destroying documents. If you’re not sure whether you need something like this, continue reading this article and find out if it’s time to call the pros.
Here are 5 reasons why you must hire a document shredding company:
1. Destroying sensitive data
All companies do business that is sometimes better to stay away from the public eye. Not because these things are illegal, but because competition can’t wait to get their hands on what you’re working on.
Some of the companies working in innovative industries have files that have never been breached and probably never will since they are long gone. The documents in which certain products are described who they were made were shredded so that competitive businesses won’t find out about it and copy their work.
Something like this was the reason for a great tech war between Apple and … READ MORE ...
As a consultant, I have walked into many small companies on that first day and wondered what the next few weeks would be like. Every company is different and just about every job has had a different set of requirements and objectives. But, when I push aside the differences, I see some common threads. About small businesses, especially the 25 men and women or less type, I’ve found that we have to often get back to fundamentals to move forward.
So, I thought I’d share the top 10 things that I’d ask any small business to think about and answer.
- What do you make/do? OK, no snickering around – this can be serious stuff. It’s usually pretty difficult for small companies to particularly define and clearly state what they do/sell. You should be in a position to clearly define your solutions and/or services within a couple of sentences.
- What are your competitors? This is not just a list of each of the companies that sell precisely the same point(s) you sell. It truly is a list of the companies that sell their similar product to the people which you believe would obtain your product. There’s a distinction and it is vital to know it. For example, when you sell handmade soaps, your competitors are usually not Proctor and Gamble, Dove, Irish Spring, and so forth. Your competitors are extra likely to become other handmade soaps, boutique soaps, specialty companies selling organic soaps, and so on. Figure out who precisely is
… READ MORE ...
Small business owners have known and understood the benefits
of being able to provide their valuable employees with health care. Unfortunately,
many small business owners cannot offer health care without jeopardizing their
own financial stability. There are some things you can do though.
If you have already been searching for an affordable plan,
then you may have come across an online broker like Ehealthinsurance. While
Ehealthinsurance is great for getting a broad view of the marketplace, I would
also recommend talking with a human broker, as well as an agent.
Increase your chances of saving money by shopping around.
Talking with agents from different companies will usually reveal more options
than you previously knew. Additionally, your particular situation will be
assessed and handled differently from company to company, so it never hurts to
know your options.
If the prices are still too unaffordable, there may be other
options. You can get a Health Savings Account (HSA). This is a tax-advantaged
account funded with contributions from you and your employee to be used
specifically for medical purposes. The employee contributions can also be made
with pre-tax dollars, saving employees some cash during tax time.
If and when you do find an affordable health care solution,
you can always reduce your payments by the usual methods. Paying higher
deductibles and co-pays will significantly reduce premiums. Depending on your
state requirements, you may be able to make your employees contribute more for
health care than the typical fifty percent.
There are also alternative … READ MORE ...
As a consultant, I
have walked into many small companies on that first day and wondered what the
next few weeks would be like. Every company is different and just about every
job has had a different set of requirements and objectives. But, when I push
aside the differences, I see some common threads. When it comes to small
businesses, especially the 25 people or less kind, I have found that we have to
sometimes get back to basics in order to move forward.
So, I thought I would
share the top 10 things that I would ask any small business to think about and
1. What do you
make/do? OK, no snickering out there – this is serious stuff. It is often very
hard for small companies to specifically define and clearly state what they
do/sell. You should be able to clearly define your products and/or services in
a couple of sentences.
2. Who are your
competitors? This is not just a list of all the companies who sell the same
thing(s) you sell. It is a list of the companies who sell their similar product
to the people that you think would buy your product. There is a difference and
it’s important to understand it. For instance, if you sell handmade soaps, your
competitors are not Proctor and Gamble, Dove, Irish Spring, etc. Your
competitors are more likely to be other handmade soaps, boutique soaps,
specialty companies selling organic soaps and so on. Figure out who exactly … READ MORE ...