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2009
Insurance coverage for your dance studio
Insurance Coverage for Your Dance Studio
Dancing is an amazing way to exercise as well as to express oneself. It is one of the few ways to burn calories and have fun at the same time. This is one of the reasons people are getting so excited about learning the art of dance. From reality television to ballet recitals, dance is all around us and doesn’t look like it has any intention of leaving.
As the business owner, you may be wondering if having insurance for your dance studio important. The answer to that question is absolutely yes. It’s the best way to protect yourself from any financial losses which you might incur due to property damages or a liability claim if a dancer happens to get injured. Lawsuits is not everyone’s cup of tea but is a very real possibility. You also need to think about medical bills and repairs to your studio among other things. If your dance studio is uninsured, then this is money that will have to come from somewhere.. Probably your very own pocket. Face it, in today’s world, this could cost you lots of money.
Some of the things to consider when looking for an appropriate insurance coverage are:
— Contents and Equipment
— Building
— Business Interruptions
— Employer Liability
— Public Liability
There are many different choices to make to find a great dance studio insurance. Make sure you select the one that meets all the needs of you and your business.
Consider the following:
— Does the insurance company provide a complete coverage for your studio?
— Do they specialize in dance studios?
— Will they expand your coverage if you plan a special event in your studio?
— What about your staff? Are they covered as well?
— Are they able to recommend ways to make your environment safer as well as help save you money?
If the studio is part of your home, you will still need to get special coverage. Normal homeowners insurance will not cover accidents that occur in your basement if your basement provides you income.
You have established that you need insurance and the coverage that suits you best. The next step is to start shopping. Different companies offer varied options to choose from as well as differences in prices. If you have your homeowners and car insurance with one carrier, give them a call. Several companies offer discounts to multiple policy holders. Make sure you are protecting yourself as well as your pocket.
Dance studio insurance can be compared to dancing shoes. A good one will lead you through a smooth performance.
2009
How to sell expensive items
How to Sell Expensive Items
Selling expensive items on eBay is really no different than selling low cost items. Essentially, no matter what you are selling, it all comes down to how you market the item. This doesn’t mean you have to surf around the Internet placing ads here and there when it comes to eBay auctions, the marketing is all done at the eBay website. Basically, when you set up your auction, you are setting up an automated marketing campaign.
Search EBay
First, you must determine what the value of your item is, in three different ways. This will help you determine what your reserve price is. On eBay, the reserve price is the lowest price that you are willing to accept for your item. First, have your high priced item evaluated to determine what the actual market value is. Next, research similar items from past auctions at eBay to see what price those items sold for. Finally, determine what the value of the item is to you. With this information, you should be able to determine the lowest amount you are willing to sell the item for.
Set your reserve price, and then set your opening bid price lower than $50 no matter how high your reserve price is. This is a marketing tactic. It will be hard to attract potential buyers to an auction for an item selling for hundreds or thousands of dollars but getting them to an auction where the opening bid is only $50 is quite simple. Remember, you don’t have to sell the item to anyone who bids less than your reserve price unless you choose to do so at the close of the auction. This method of price setting resembles marketing gimmicks used by offline businesses that are simply designed to get customers in the door.
Work hard on the description for your listing. Use words that really describe your item well. Provide as many details as possible, including details that prove the authenticity of collectible items. Include pictures of the item as well. Do not try to deceive potential buyers! If the item has marks or scratches, simply be honest about it, and make sure that the pictures convey this as well. State how the item will be packed and shipped. Also let potential buyers know that shipping insurance must be purchased as well in case the item is damaged once it leaves your possession.
Go to EBay Now
For higher priced items, most eBay buyers feel more comfortable using an escrow service. Offer this as an option in your auction, with the understanding that the buyer must pay for the service. This protects both parties from fraud, and it makes many buyers more open to spending the money to obtain the item. EBay has partnered with an escrow service that is commonly used for high ticket items.
2009
How appraisers and home inspectors are protected with errors and omissions insurance
How Appraisers and Home Inspectors are Protected with Errors and Omissions Insurance
Home Appraisers and Home Inspectors are important and necessary experts in real estate transactions, but their roles are quite different. Appraisers determine the value of a property, and this information is also used in the estimation of homeowners insurance and real estate taxes. Appraisers inspect a home, its property, amenities and upgrades, and also research other local properties and their values to determine what a home is worth.
Home Inspectors are not Appraisers. Home Inspectors look for defects in a home, or problems which could lead to future repairs for the homeowner. They look for structural problems, in addition to electrical, plumbing, heating and cooling issues that indicate immediate repair needs, or potential future problems. Both fields are vulnerable to law suits, and need to be covered by Appraiser E&O Insurance and Home Inspector E&O Insurance to protect their businesses.
If a lender or buyer has a financial loss that they believe was caused by negligence on the part of the Appraiser, they can sue. Appraiser E&O insurance will protect Appraisers from large financial losses from settlements and legal fees. Even if the Appraiser is not at fault, they can be held responsible. They are especially vulnerable in a volatile economy when values plummet, and attempts are made by owners to regain losses from decreased property values.
Home Inspector E&O insurance is critical for protecting Inspectors because of the nature of their business. If something goes wrong in a home, the homeowner may quickly blame a Home Inspector for not recognizing the potential problem. Home Inspectors may not have been able to foresee a fault in a home despite a thorough inspection, but still be sued by the homeowner. Errors and Omissions insurance can protect the Home Inspector business and its employees from monetary loss.
If an Appraiser or Home Inspector is held responsible for mistakes or oversights, it is essential protection to have coverage with Errors and Omissions insurance. It is even a requirement in some states to have this type of insurance for Home Inspectors and Appraisers, and it guards the business, its owners, employees and subcontractors from losses.
2009
Leaving your day job
Leaving Your Day Job
Leaving your day job to start a home-base business is stressful, but if you plan properly, you can succeed. Depending on which type of home business you want to start, working from home is possible if you have a computer, Internet connection, and a workspace. You may also need to invest in printer, fax machine, and separate phone line if you need to talk with clients on a regular basis. The only other expense may be for marketing materials, website, or listings in phone directories. Researching your needs before starting your business can help so you can prepare a budget.
Before leaving your day job, make sure that you have enough in your savings account to cover at least three months worth of expenses. Because many businesses take at least two before you will see any profits, being prepared and not having to worry about living expenses and paying for emergency situations will help you concentrate on starting a solid business without being pressured to make a profit right away. If you have a spouse, make sure you discuss your idea with them. If they have a health insurance plan, ask them to add you to it if you are not already on it. This will save money in having to buy your own policy.
If you are planning to use your job as a reference or if you are planning to become a consultant for the company, make sure you leave your position on good terms. Give ample notice so your employer can find a replacement. If you are planning to become a consultant, maintain your current contacts as they may become useful later on.
Making the transition from working in an office to working from home is difficult for some people. The need to work all the time because you have access to your computer, and the potential ruts you will get into when working by yourself can be frustrating in the beginning. By developing a routine and sticking it will help you make the adjustment. Expanding your business and focusing on the future will also help. You should create a business plan that can help you reach your goals or at least define them. This will give you a greater sense of purpose.
When you are ready to leave your day job, you should have a solid plan on where you want your business to go. If you will be staying in the same field, take the skills you have learned and use them. Keep in mind that it will take hard work and determination to reach your goals, but that you will reach them eventually. Networking with other business professionals can help you increase your client base and help you make the transition even easier.
2008
How to choose a liability insurance vendor for your business
How to Choose a Liability Insurance Vendor for Your Business
Liability insurance protects your company from financial damages if your company is sued by a third party. There are many types of liability insurance products and many businesses purchase more than one kind of liability insurance in order to ensure that they have the proper coverage. Different types of liability insurances cover different situations. Umbrella liability insurance policy may cover injuries on your property while professional liability, such as malpractice insurance, may cover a doctor that misdiagnoses a patient.
If a business does not have liability insurance, the business may lose critical assets in the event of a lawsuit or a guilty judgment. Additionally, the company could go bankrupt, depending on the damages that the company may have to pay in the event of a lawsuit. For this reason, choosing a liability insurance vendor is crucial. If you need help choosing a liability insurance vendor, click here.
In order to find the best liability insurance vendor, ask yourself the following questions:
Who or what needs the liability insurance? The business should have its own liability insurance, even if the business is a Limited Liability Company (LLC) which guarantees that the owners of the business will not lose their assets if there is a lawsuit against the company. However, LLC status does not safeguard the business itself. The company should also make an effort to protect high-profile, high-risk individuals.
What do we need to have covered? Does the business need coverage for Errors & Omissions? Does the business need any type of professional liability insurance? Does it need general liability? Umbrella liability? Workers compensation? Determine the risks that your business could face in order before choosing coverage.
Do we also need worker’s compensation? Many businesses are legally obligated to have worker’s compensation coverage. Check with your particular state’s Department of Labor to determine if your business is required to carry it.
What price am I able to pay for liability insurance? The cost of liability insurance varies by company, coverage, type of insurance, industry, size of the business and more. Make sure to get comparable quotes from at least three companies before deciding on one company to work with.
How large of a policy should I take out? The size of your policy may depend on the amount of money that your business brings in each year. Be sure to speak with representatives from your top vendor selections in order to determine exactly what kind of coverage you can expect from them and what the price for that coverage will be.
Does the vendor have a solid reputation? Always do a Better Business Bureau background check and a Google search for any complaints.
In order to ensure that you receive the best liability insurance policy and terms possible, make sure to do your research. Finding the right liability insurance company can mean the difference between thousands (or even millions) of dollars. If you want liability insurance vendors to compete for your business, click here. For additional information, you can visit our liability insurance wiki.
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