231 Front Street, Lahaina, HI 96761 info@givingpress.com 808.123.4567

Day: August 20, 2018

Small Business Insurance Cover: 3 Types to Consider

Every business requires a basic insurance policy. However, it’s advisable to ensure you are very well protected. You never know what issues may arise, and being well covered for any eventuality will give you great peace of mind. When choosing what insurance coverage to take out, try not to consider cost saving options only. Make sure that you read the small print and check the details. Higher premium insurance policies may be tougher on the pocket, but if a problem with your business arises, you will be very grateful of it. Below are three types of cover to consider for your small business, that will help cover you for most, if not all, eventualities.

General Liability Insurance

General Liability Insurance is the basic insurance all businesses are required to take out. General liability insurance protects your business assets. It covers you if there are any property damages or injuries caused by you or your employees, and pays for any obligations if someone gets hurt on your property. This insurance also covers the cost of any legal fees, and covers any settlement compensation fee you need to pay out if sued.

Property Insurance

If you are renting business premises, then it is unlikely you will need to be concerned about property insurance. However, it is best to check with the owner regarding what insurance they have taken out on the property, and what it covers. Property insurance will protect you against a variety of possible problems such as fire damage, vandalism, smoke damage and theft. You could also consider supplementing the basic policy with loss of earning and business interruption loss, to protect your income if the business is unable to operate due to property damage. If you rent, you could take out renters insurance to supplement the owner’s property insurance. If you own your own building, you will need to arrange property insurance to be adequately covered.

Life Insurance

Taking out a life insurance policy is not a requirement for owning a small business, but it is a worthwhile additional insurance cover to consider. Life insurance will protect your family and loved ones financially upon your death, giving you and your family peace of mind that they will not find themselves in financial difficulty. Upon death, the insurance company will pay a sum of money to the beneficially. Certainly worth considering if you wish to protect your family.

Whatever insurance policy or additional policies you take out, make sure that you read the small print well. Check for any clauses that may, in certain situations, make it difficult for you to make a claim. Check what exactly the insurance policy covers you for and discuss with your broker or insurance company anything that you are unclear or unsure about. Consider asking your broker or insurance company about a business package insurance policy. This kind of policy can incorporate difference insurance coverage, such as Professional Liability Insurance, Business Interruption Insurance, and Income Protection Insurance, making it much more cost-effective. Remember that …

How to Start a House Cleaning Business on a Tight Budget

"If you use Emotion and Love to drive your sales and your business, you will create Loyalty Beyond Reason. And I promise you, you will build relationships and enjoy a business that exceeds beyond your wildest expectations"

First of all, before you decide to start your cleaning business, make sure this kind of work is right for you. You will need to be in good physical condition. Cleaning is very hard strenuous work. You will need to have good customer relation skills. You will need to have basic office skills and some accounting skills.

If you are planning on leaving your full time position to start a cleaning business, make sure you have at least six months of savings. Or keep your full time job and start out part time.

Research all the aspects of the cleaning service business. From customer service to advertising, taxes, employees, insurance and bonding, what to charge and how to clean a home professionally. Cleaning your own home and cleaning professionally is totally different. Learning how to clean professionally takes a lot of time. When a client pays for your services they expect to come home and find their home spotless.

Getting those first clients takes time, persistence and patience. You will not get a hundred clients overnight.

Obtaining Those First Clients The hardest part of starting your own cleaning service is obtaining those first clients. Most clients want to know how long you have been in business and want references. The best thing to do is let clients know that, yes, you are new to the business but that you have thoroughly examined all aspects of the cleaning business and assure them that you know what you are doing and that you are quit capable of cleaning them home to their specifications. Be confident. I can not stress this enough. Clients love to see confidence. It relieves their worries and lets them know that their home is in good hands.

References: To get a few good references when starting out, ask some friends or family members if you can clean their home for free or at a discounted rate. The sound of working for free may not be appealing but it will be worth it to get some good testimonials.

When cleaning those first homes, go for quality, not how fast you can clean the home. Cleaning efficiently takes a long time, but you will get to the point where you can do a thorough cleaning in a short time. After cleaning make sure you go back and double check all rooms to make sure you did not miss anything. Impress those first clients and word of mouth will spread soon.

Advertising Your company image is everything. Before you start advertising, decide what image you want to portray on your advertising material. Your image is very important. Be consistent with all your advertising. If you have a logo be sure to use it on all your advertising materials. I think it is best to …

Starting Your Own Catering Business

Catering for functions, weddings, parties and other occasions is big business. If you enjoy cooking and preparing food then a catering business might be for you. But it's important to ensure all the legal requirements are met and adhered to at all times, and you design your business to appeal to the kinds of customers you want to attract.

From a small van that offers sandwiches and refreshments to local businesses, right through to a mobile caterer that supplies buffets for functions of a hundred people or more, there are lots of opportunities in the catering business for people who have the drive and commitment to succeed .

Outlining exactly what type of food you would like to supply people with will determine your market, so it's important that you consider all the elements that go to make up a successful catering business before you start.

Are you interested in doing cold buffets that you can supply ready to your clients, or do you want to create hot buffets that you can set up at the venue? Do you like the idea of ​​providing a proper meal for people to enjoy? Or does the idea of ​​selling freshly made gourmet sandwiches to local offices pique your interest?

Whatever kind of food you prepare and whoever you will be catering for, you will need to prepare it in concessions that are fit for the purpose. Find out all the requirements you will need to meet from your local authorities, and make sure you do not cut any corners – they will want to inspect your promises to ensure they are clean and specifically designed for catering purposes. This applies regardless of whether you are intending to use a part of your home for this purpose, or rent an outlet to use for preparing food.

It's an excellent idea to enroll in some training courses as well; not only is a knowledge of food hygiene a must, but even courses on starting your own business and marketing it to your customers will help immensely too.

A catering business can be run full or part time; it's possible to start slowly with just a few clients if you still have a regular job and want the security of some regular cash coming in while you build your business. Once you develop an income from catering (during which time you can promote your business and find new clients through word of mouth as well) you can leave your job and start doing catering full time.

The important thing is to make sure there is a ready market for what you want to offer – then you can hit the ground running and cook up a storm. …

Ways to Work Online at Home

Ireland is one of the few countries that are not yet fully aware of the many income opportunities from the internet. But because the whole world is experiencing recession, even the Irish people need to make money on the side to make ends meet.

One good way to earn extra income to sustain the costs of living is to work online at home in Ireland. This may be a new practice to the Irish, but it is really going to help them make a living. There are different options to choose from. Freelance writing jobs are available; They can range from writing, web-designing, marketing, transcription, and data entry. There are several different virtual companies that focus on operating and renting within the country. Any Irish can take advantage of this opportunity.

Affiliate marketing is another way to work online at home in Ireland. This is a bought-after part-time job because it does not require you to take your full attention to the job. When you become part of affiliate marketing, all you do is advertise a company's products in exchange of commission. You must have a website that can host advertisements and banners of the company you sign affiliation with.

If affiliate marketing is not at all appealing to you, you can always resort to online paid surveys. It does not matter what country you are from, survey websites need and value your points of view. All that you really need to do is answer a survey – give your feedback and honest opinion, and you will be paid for doing so. …