General Liability Insurance Protects Small Business Owners

Owning a small business comes with many tasks, goals, responsibilities, and obligations. One of the primary obligations of being a business owner is being legally responsible. General liability insurance can not only help you to be legally responsible, this type of insurance can help to protect the investment you have in your business, therefore, helping to ensure its secure future.

Liability insurance in business terms helps to protect the insured business against legal claims and actions. These claims can be far and wide and can cover a multitude of things can that arise out of nowhere. If a restaurant owner has a customer sue the restaurant because someone became sick after eating at the restaurant, general liability insurance will cover legal fees and will also pay up to a certain amount in a settlement if the restaurant is found at fault.

Neglect is a common reason that many small businesses are sued by the public or by employees. Customers can visit a business during the winter and if the sidewalk is icy, it is considered neglectful that the business did not salt the walkway to make it a safe path. If a customer falls on the ice on the business sidewalk, general liability insurance will be a protective coverage that can help the business to survive during a lengthy court battle or when it has to pay a settlement to the injured party.

A small business that manufacturers a product can be sued for misrepresentation if a customer does not believe that the product does what the company says it will do. This is another common lawsuit that can tie a business up in court for many lengthy months or even longer. Legal defense fees can drag out, and during these times, it is imperative to have general liability insurance. Some states and regions make it a mandatory law for a business to carry at least some form of liability insurance. This is to protect the public and any consumers from a business that is not responsible or one that makes an error in judgment, marketing, or manufacturing.

One of the important things to remember about general liability insurance is that the insured person or business rarely receives a payment from the insurance company. The insurance is not in place to be profitable to the company, but rather to protect it. General liability insurance pays the neglected or injured party or the party that was wronged by the small business that is insured. This keeps the company from having to declare bankruptcy if it is unable to come up with the entire amount on its own.

Getting general liability insurance may or may not be a law where you live, but if it is not mandatory, it is wise to have in order to help ensure the security and future of your small business. This type of insurance can be a major deciding factor in whether or not a business will be able to withstand expected legal claims and accusations of wrongdoing.

How To Create: Quality Business Cards

For the business that doesn’t have in house graphic designers or the time to do it your self or you don’t have any ideas; there are many professional graphic design services that can design and print the business cards for you.

If your company doesn’t already have a business card you should consider creating one; if you are serious about doing business, it is extremely important to have a serious CD.

Most companies make daily use of business cards; but it is not enough just to have an average card; in this high tech time, it is essential to make it interesting and distinguish it as a cut above the rest, something that sets you apart from the average business.

High quality business cards have one simple, but very important purpose; they leave a great first impression of your business and it usually defines the opinion of the recipient about both you and your company. It is valuable if not profitable to leave a good impression on your future customers or business partners; to do this your card has to be well designed, of high quality and easy to understand.

Business cards can take on many different designs, colours and contain various information about what it is that you do. They can take on just about any shape and colour. You can have made on 300gsm artboard, they can be single sided or printed on both sides, black and white or full colour and they can be cello finished in a matt or gloss finish.

One point of relevance is to make sure your company’s logo fits and it is useful to include your company colours if you have them. Your card should also contain all the necessary information about you and your company; and it should be highly visible and easy to read.

In most cases, business cards contain information that tells people your vital statistics:

  • Your Name
  • Your Company Name
  • Telephone Number
  • Fax
  • Email
  • Web Page
  • Street Address

When using a double sided print, you can include appointment information, or a simple list of services your company provides or product brands that you may sell.

The above are the most common components of the average card but if you have any ideas on how you can improve them and make it more interesting for your prospective customers, you could add them and be unique.

High quality business cards are a reflection of your company; most people will immediately recognise this factor and make their conclusions about you and your company.

In today’s business you cannot afford rejection because you didn’t put enough effort into having a unique and well designed business card, people make judgements quickly and if they see your card as sub standard or ordinary; they may also think the same about you and your company.

When you create your business cards and have paid attention to the above mentioned points covered to avoid simple but costly mistakes, you are well on the way to improving your overall image.

For the business that doesn’t have in house graphic designers or the time to do it your self or you don’t have any ideas; there are many professional graphic design services that can design and print the business cards for you.

Home Based Business Opportunity – Review Article Number 2

You’re reading this article because I assume you’re looking for a home based business opportunity. If not, you’ve somehow landing on the wrong page. If you are thinking about becoming a business owner, below I have reviewed three options for you to consider:

1. Top Dog Pet Supply – Have you ever dreamed of owning your own pet store, but didn’t want the hassle of operating a store-front business? If so, Top Dog Supply offers you an opportunity to work from home selling their products via the Internet. This is what is generally called “affiliate marketing”; in other words, you get paid to sell other company’s products through a website that the company sets up for you. In this case, Top Dog Pet Supply will upload its more than 15,000 products onto your “free” site. They’ll also do “some” of the marketing of the site for you, but understand this – in all affiliate marketing opportunities, you will have to learn how to market the site yourself. This will include writing articles, blogging, and any other way you can get people to your site. In my opinion, affiliate marketing is by far the least expensive, most legitimate and quickest (but not overnight) way to make money online. If you’re a pet-lover and want a career in this industry, Top Dog Pet Supply is a terrific company and a great investment for a home based business opportunity.

Cost to get involved: $500

2. Yellow Van Handyman – Some people are natural born handymen and can fix anything. Me? I can fix nothing and would “prefer to defer” those duties to an expert – a fact that infuriates my wife! I figure I’m just helping the economy, but that’s just me. If you’re good with your hands and have ever thought you might want to own your own business and utilize your Mr. “Fixit” skills, Yellow Van Handyman has a franchise opportunity that you’ll want to look into. They’ll give you all the support and training you’ll need, so you’ll be able to focus on what you do well – fixing stuff – while running “your” business using their proven business model.

Cost to get involved: $15,000

3. Windows Renew – Are you a computer expert who would like to start your own business, but don’t know where to start? If so, you’ve come to the right place. Windows Renew is looking for consultants to join their team, but you’ll still be owning and operating your very own business. Owning your own business and having the backing of the world’s largest computer services company gives you the best of both worlds. Even if you’re not a computer expert, they’ll provide the necessary training so you can still take advantage of this home based opportunity.

Cost to get involved: $1,995

More and more, people are seeking a home based business opportunity, and why not? No boss, flexible hours, as well as unlimited income can be yours – if you choose the business opportunity that’s right for you. However, never rely solely on the recommendation of someone else when you’re looking at a prospective home based business opportunity – not even mine! Make sure you always do your due diligence, and ask yourself these four questions:

1. Is this really a legitimate business?

2. Is this an opportunity that would be “fun” for me?

3. Can I afford this opportunity?

4. Does this business afford me the opportunity to meet my long-term financial goals?