Monthly Archives: December 2016

Earn Big in Small Business Insurance Quotes

Most of the people in the modern era today are getting interested in putting up businesses. This is because the economy is continuously emerging and many kinds of businesses are coming out due to successive progress of technology. In putting up a business, it does not need to be in a big group of investors, or companies and the like; even you yourself can put up your own business if you want to. You will probably start small but do not deceive the opportunity that you can get. Small businesses are more competitive and progressive compared to big businesses and it is profitable in a shorter span of time. You will just need money, of course, perseverance and passion to put up the business that you want.

In entering the world of business, financial costs and problems are never predictable and avoidable. It can happen anytime and it will just waste out your efforts and hard work for your business. Some of these financial fiascos are loss from life, loss of health, lawsuits and even property damage. But there has always been a way of how you can protect or appropriately how you can save and keep away your business in to these kinds of financial problems. The best way you can do is to get insured in to a business insurance quote.

Small business insurance quote is an insurance policy that mainly deals on how you can get your business even yourself insured in protecting it from common financial costs. Through this, it can help your business cover your needs in the event that business depression arrives and especially when you are financially incapable and insolvent. Most of the businesses today start their small business insurance portfolio by purchasing insurance policies that their business needs and that would fit their budget capacity. There are lots of insurance agencies and companies that offer small business insurance quote at an economical value but at very best services. You can check it online or seek help from financial experts.

In dealing with this small business insurance quote, risks are never deficient. It is a part of investing in insurance policies. But these risks can help you evidently in decision-making and in running your business wisely to be profitable and trouble-free. There are four broad risk exposures that you should be aware of: liability loss exposure, income loss exposure, people loss exposure and property loss exposure. These are the risks that could bring your business into a never-ending business depression. Make yourself well-informed and updated, alarmed and wise enough to handle these risks. Be strategic.

Liability loss exposure is usually an event or claim that arises from negligent accidents. These accidents could be intentional or negligent. It is better to get insurance policies that cover this kind of incidence that will help you give the protection that you really need. Income loss exposure is the kind of risk that you will encounter in the event that the financial flow of your business will experience a downfall. This could be due to loss of your manpower or loss of sales.

Small Business Insurance

Small Business Insurance

There are over 11 million small businesses with between 1-100 employees and if you are one of them you make up a large percentage of the total businesses in the United States. Now consider that most start out with an idea or someone else’s idea and you are very excited to get started, and you have so much to get done and one of the tasks is insurance, Ugh! What is your first thought? “I hate insurance”. Okay, second thought, what do I need? Who do you get it from? What is a fair price?

Let’s start with what do you need basics:

Workers’ Compensation

Needed when or if you have employees

Commercial Auto

Needed when you have a vehicle used in business outside of sales* calls,*vehicles need insurance regardless of business use but personal insurance usually excludes delivery of products, carrying passengers for a fee.

Liability Insurance

Needed when you conduct business, but not required unless it is being requested to secure a contract. An example if you are leasing a building the landlord may want you to carry liability for the space you occupy. If you manufacture a product, a store carrying your product may want you to carry product liability coverage if someone gets hurt using your product.

Property Insurance

Needed if you have business property, equipment, but not required unless it is being requested to secure a contract. An example – the bank you obtained a loan for some machinery, or building wants it to be insured for theft, fire, etc. A landlord requires you to cover the insurance for the building you are leasing.

Business Income Insurance

You should obtain this coverage to protect your income in the event of a covered loss. Not required usually by anyone. This coverage is usually included in a BOP for very little cost. If you have a brick and mortar business such as a restaurant – you should obtain this coverage. It could take years to get the clientele back to a new location if yours should burn down.

Professional Liability Insurance

Needed if you are in a professional industry – Doctor, Lawyer, Dentist, CPA, Veterinarian, etc. Liability insurance to protect professionals for loss or expense resulting from claims of mistakes, errors or omissions committed – or alleged to have been committed – by the insured in his or her professional activities.

Health Insurance

Nice to have as it can attract good employees and certainly good for the owner to have to prevent any unexpected cost associated with a major illness – but certainly not mandatory – yet.

These above are the starter list but there are other coverage’s that are more intricate, such as, umbrella coverage, earthquake, flood, directors & officers, employment practices,coverage within the policies for money, accounts receivables, tenant improvements, tool floaters. Some of these can get added into the main coverage’s the others you need to seek out and a good agent or consultant who can go through a check list of areas and help you decide if you need or what need. Insurance agents have a wealth of products to sell you and most agents are more than happy to sell you any and all of them, so again it pays to be knowledgeable.

Where do you get the insurance?

You all know you get it from an insurance agent, that’s simple, but how do you go about getting the best deal with an agent – that’s really the question isn’t it?

Pop in the words small business insurance in a Google search or anywhere else and up comes plenty of information to shift through. The number one thing to remember is, they are all paid for by insurance companies and agents wanting your business. The insurance companies and agents are paid more if you pay more for insurance. You need the agents, because you know YOU don’t know anything about insurance, but total trust is NOT in your best interest because of the way they are paid. Just because an ad says they are the leader for small business insurance does not make it the most competitive. For example, you can hardly turn on the television, radio or go to any website and not see an advertisement for Progressive or Geico, but does that mean they have the best rates for personal auto insurance? I can tell you, it does not. What it means is that they have a HUGE advertising budget and advertising works – for them, it does not necessarily work for you. So, be smart and use your common sense about insurance. Here are some tips.

The best place to get insurance is from the insurance companies and so you must start with a strategic list of insurance companies and seek them out for a quote, and agents represent those companies. Are you aware that in any given state there are approximately 20-35 mainstream insurance carriers for just the property/liability and workers’ compensation coverage? Has any one agent or even two agents ever given you 20 quotes? If you could see 20 quotes you would also see the vast disparity in pricing – it is really quite fun to watch how the same coverage can vary in price by so much – but the only time you will see it is if you see the entire market. No one agent represents all the markets, even if they tell you they do – they don’t, they never have, they never will. Call a Hartford agent and ask them if they represent Sentry Insurance (not Century) and vise verse, the answer will be no. This is not just the case with direct writers and independent agent carriers. Independent agent carriers rarely even if they represent a mass of carriers go to all of them, they have favorites and they have ones that pay them more commission.

What is a fair price?

If you can see at least ten quotes you can decide what a fair price is, it is the one that gives you the most coverage, with the best rated carrier, for the least amount of money, with an agent who you feel was knowledgeable and professional. If your premiums are high enough (over $10,000) you can also negotiate a better deal with one of the quotes you received.

Uses of Autoresponders For A Business Marketing Strategy

For a local business marketing strategy today, use an autoresponder. It’s a marketing tool that will automatically send messages out for you to people who are interested in your business. And the best way to keep in touch with your prospects and customers is to invite them to become subscribers to get messages about you, your business, and your products and services that you offer to them. It’s easy, it’s automatic, and is one of the best returns on a marketing investment for your business that you will ever get.

1. Turn anonymous website visitors into subscribers.

When people visit your website whom you do not know or have never met before one of the best ways to start a communication line with these visitors is to have them get messages on a regular basis. In exchange for getting these messages they will give you their name and e-mail address and subscribe to what you have to offer to them.

2. Build big relationships with subscribers with little effort.

Since you can write automated messages in advance that will go out to these subscribers automatically on any data you specify and any time that you specify, your messages can reach all of your subscribers with very little effort on your part. The autoresponder does all the work for you automatically 24/7.

3. Enable continuous marketing without hiring more people.

Since this autoresponder is sending marketing messages out to your prospects and customers on a regular basis automatically, you will not need to hire more people to do this. This will save you marketing dollars and you will get a better return on your investment in the marketing department.

4. Follow-up flawlessly without missing a single customer.

Let’s face it; it’s tough to follow-up with everybody that you meet. By using an autoresponder to send out marketing messages about your business, it will never miss a single prospect or customer. They will always get messages sent to them on a regular basis.

5. Generate repeat sales due to constant communication.

People who like to do business with you, will like to do business with you on a regular basis. Especially if you have products or services that they will be continually using or purchasing. By using this automatic messaging system that communicates about your products and services, your customers will be able to buy what they need and want from you on a regular basis – automatically. There’s nothing better than automated sales for a business!

6. Lead more subscribers to your blog or website.

In these messages that you send to your subscribers you can direct them to your blog, your website, your video channel, and your series of articles that you write. All of these different channels that display information about you and your business are helpful. If you have things in your business the people want, then they will want to know about how to acquire these offerings of your business.

7. Obtain measurable results.

Autoresponders have built-in measuring devices which will let you know where your subscribers are located. You can also find out which messages are more desired to be read than other messages. You can find out when the best time of the day is to messages to your subscribers so that they read them right away. The autoresponder will keep track of the number of new subscribers each day. Using these results, you can decide what future information and messages you will send to your subscribers.

8. Ensure better e-mail delivery.

Autoresponders are specially designed to get the e-mails that are used in the autoresponder systems delivered on time to all of your subscriber list. These specialized autoresponder systems work better than other e-mail delivery systems. Therefore you can be confident that your messages are getting delivered to your subscribers.

9. Brand yourself with all the e-mails.

You can brand yourself and your company in your e-mails that you are sending to your subscribers by adding your logo, your tagline, your physical address, your phone number, and anything else that you want to put emphasis on about your business in the minds of your subscribers

10. Allow yourself to easily duplicate your efforts.

You can duplicate all of these tasks once you’ve done them one time for one list. You can have other lists for other subscribers in other categories, other product lines, other services, or any other reason you would want to have a separate list to send messages to separate subscribers.

Powerful Offline Business Marketing Strategy

Here’s a fantastic and very old, but under-used offline business marketing strategy that can explode your local business profits!

On TV recently, I have been watching a new television about restaurant business renovation. It’s called the “Kitchen Job” and is hosted by “John Palino”. I suppose you could say it’s a little bit like Gordon Ramsay’s “Kitchen NIghtmares” TV series… without all the swearing. And this show is based in New Zealand. Quite an entertaining show, and very interesting for the business-oriented person who is struggling with marketing strategy.

After watching a few of these shows, It became apparent that one of John Pilano’s favorite restaurant marketing techniques was personal face-to-face networking. For the struggling restaurateurs, this means taking a platter of their food out into the streets and offering free samples to the public. Now, this works in two ways (well maybe more, but let’s discuss two here):

1. The first reason this works is obvious: people get to taste the food… sample the product. Obviously if the food is moreish, the customer will be excited to visit the restaurant to taste more. Whilst this is a key factor in this marketing strategy, it is not the most important.

2. The second – and most important – reason this works is because the restaurateur is networking with his prospective clients. By sharing his or her personality and enthusiasm with the public, the public are made to feel welcome, comfortable and invited. If the caterer plays his cards right and drums up enough personality and excitement, the simple offering of a food sample can be a memorable moment in their prospect’s day. The more memorable, the more likely the prospect will become a customer.

So, how can you apply this marketing strategy to your offline business?

Even if you are not in the food business, is there a way you can offer samples of your product?

If not, then put #2 to work! Instead of product samples, offer samples of your personality! Get out into the public. Mix with your prospects and share your excitement and enthusiasm with the people in your local area. If you feel like you don’t have a bubbly personality, then take a friend with you. Or, you could hire someone to do it for you.

Social networking is commonplace on the Internet for promoting online businesses, but often forgotten as a most effective offline business marketing strategy. Start putting it to maximum effect in your business today!

Business Marketing Strategies

Today I will share with you a few business marketing strategies that will help you to get free traffic to your website immediately.

The first strategy is: The keyword phrase which you want to rank for should be not only within the content of your website but also in your title, and avoid typing your keyword more than 6% time of your website content, and check your keyword density.

Second business marketing strategy is: LSI keywords: make sure to include it within your home page, articles, or other content you add it to your website and there are a lot of paid tools out there, which can help you for this purpose.

Third strategy is: Keyword Meta tags, add it to each page on your website, and don’t forget to include your keyword phrase into your tags, but be careful with that you don’t add it more than three or four times.

The fourth strategy is: H1 tags, this is very helpful because it will tell the search engines what is Your web page all about, use it on your site and see how faster your site will rank, and became on the first pages of Google.

The fifth business marketing strategy is: Picture tags, most people ignore the picture tags which is very important factor for the SEO, and this feature mean that you are naming an image that you have on your website and as a result it will help your site rank for your chosen keyword.

If you like to know the other Business marketing strategies which made the $51,141.33 for some people in one day visit my blog.

LinkedIn Network Marketing

Doris Hullett attended a “LinkedIn Power-User Strategies Webinar,” an excellent training by Nate Kievman, and is reviewing some of the session’s business marketing strategy highlights to assist you in your network marketing solutions.

What is LinkedIn? It is the #1 Professional Network; it also is an excellent resource for career search.

Did you know there are 79 million business decision makers, and 1.3 million small business owners on LinkedIn? The average age of the LinkedIn member is 43. People holding a B.A. and Post- are 77.6%, and that there are currently 65,000,000 users!

A poll was taken concurrent with the webinar. The poll statistics found that the attendees were interested in the following features (they were asked to check off all areas of interest which applied to them):

Career Advancement 44%
Business Development 72%
Professional Branding 58%
Lead Generation 55%
Coaching 19%

There are three foundational pillars to LinkedIn success, and these core methods will assist you in your target market success.

Pillar One: Professional Development – Do you have a brand marketing strategy?

-¡ To build your personal brand, make sure your profile is 100% complete. Fifty-six percent of those attending the webinar did not have their profile finished.

-¡ Add a book, video or blog application to your profile. Adding an application makes you a little more unique.

-¡ Have a professional headline in the header. A professional headline under your name actually helps to identify you. This is one example of how attraction marketing is woven into your profile.

Pillar Two: Marketing – What Internet Marketing Strategies do you use?

-¡ Make sure the topics you post are relevant in the different groups to which you belong. You may post and answer questions.

-¡ Be brief. Be compelling. Be professional.

-¡ Create “engagement” or conversation. When you post, remember what your business objective is. You do not necessarily have to post every day in groups, as you would on a blog. A good indicator to how often you should post would be to watch the activity in the group.

-¡ Twitter feeds are a good idea to add into your profile social networks.

Pillar Three: Joint Ventures – Good Old Fashioned Partnering

-¡ Partnering creates goodwill, distribution channels, and most importantly, bridge- building to success.

-¡ Do not discount the value of joint ventures for targeting your market.

LinkedIn is continually striving to improve their service to users, and updates are currently being initiated to improve user performance.

May the “LinkedIn Power-User Strategies Webinar” review which highlighted solutions in LinkedIn assist you in your network marketing and business growth.

Internet Home Business Tips

This internet home business tips article is a bit of a change for me. Ok, like the title states, it’s MY turn to ask some sensitive questions. And I’m counting on YOU for my answers. Get out your trusty email account and get set to write to me with your replies on this internet home business tips. On the other side, you can just post them as comments here for others to see as well.

Alright, the initial question. Why are you operating your own online home based business? Is it because you lost your job? Is it because you simply got fed up of working for some one? Was it the commute to work and back again? Did you just want something better and fun? Is it all about the money or is it the freedom that comes with it?

Everybody has their own reasons for wanting to operate an internet home business. I’d like to know your opinion on these. Here’s the reason why am asking. In some cases, the reason why people want to do this is actually counterproductive to getting things done. I have come to understand that one of the reason people fail in this industry is because the true love for doing something isn’t there. I am sure anyone who has ever tried to be something his not knows what I’m talking about.

Next question is, are you contented with your home based business? I’m not just talking about the money. I’m talking about the actual work itself. Does it excite you or are you bored to tears each time you remember you need to work? If the answer is YES, then maybe this isn’t the right business model for you. There are several kinds of different online home based business models. Just because one doesn’t appeal to you doesn’t mean you can’t find one that you will love doing.

What are your priorities? Is it just to generate income or do you need to love what you’re involved in? Some individuals don’t care what they do as long as they make money doing it. Is the cash more important or is it the liberty to work when you desire? Some people the money is not the number one priority but the freedom is.

If you could do anything else in the world and earn cash, would you do that OR would you still be operating an online home based business? I’ll be sincere. If I could be a successful basket baller, that’s what I’d be doing for a living but that’s a really difficult field to break into, so I’m happy being a successful home based business operator. But no, this isn’t my first choice in the world.

Like I mentioned earlier, if you want to answer any of these questions, you can post your comments or send me an email.

Sincerely looking forward to hearing from you soonest.

I hope you enjoy my internet home business tips.

Home Business Tips

There are many advantages to owning a home business. But one of these is not guaranteed success. You will not always succeed. In fact, most home businesses fail soon after they open up. There are things that you can do to prevent your business from failing. Here are 5 home business tips to keep you from going broke.

The first of the 5 home business tips that you need to consider is to take your business very seriously. Consider it not only a job for you that you have to work at continuously to keep it running, but also a very serious business. You don’t get to just take time off and not do the work that you need to do. Consider your idea to be a good one and take it seriously. That is the only way that anyone else will.

The next of the 5 home business tips is to stay disciplined. That means you can’t slack off on your business and all that you need to do to keep it running. Do whatever you need to do when it needs to be done. This means maintenance, marketing and staying in touch with customers to keep them satisfied. This will keep your business running smoothly and of course keep income coming into your home.

You need to make sure that you don’t spend too much, especially when you start your business out. This is a very important one of the 5 home business tips because it directly affects your finances. You don’t want to drive your business finances in the hole. After all, the goal is to make money, not to waste it and have to constantly put money in out of your own pocket. Only buy what you need to keep the business running until you can afford some nicer items when you are making more of a profit with your business.

The next tip involves getting customers. You have to be active about your home business in order to gain customers, and since they are responsible for your income, they are incredibly important. That is why you need to advertise and market it as much as you can. Of course, this doesn’t mean spend an arm and a leg, but take advantage of free and affordable methods of advertising your business. Never let up on the advertising until you have too many customers. This is the only way that you are going to get the profit that you need.

The last of these 5 tips for you is after you have your customers. You can’t let them go. Work hard to keep the customers you have as happy as they can possibly be. This is how you will keep your customers coming back to you. And that is much easier than marketing to gain new customers all the time.

When you open and run your own home business, there are things you can do in order to keep your business running. These 5 home business tips will help keep your home business from going under and you going broke on your investment.

Real Estate Business Visible

It doesn’t matter if you have a 50 inch monitor, the amount of the search results per page in Google will not change. What are the chances that if you type the word “Atlanta Real Estate” you’d see your real estate site on the first page, or second or third or even tenth? It’s all about marketing your home page now, if you can’t do it, a real estate agent selling dilapidated condo units will do better than you.

There are many ways to get your real estate page on top of the search engines without consuming loads and loads of precious bucks. Here are some tips I’ve researched over the net and as I tried them out, seem to be working pretty well.

It is important that your listing page can be indexed by search engine spiders before you become part of the visible web. Make sure that your URLs contain the important keywords that you want to be searched for. You must remember that you write and upload contents not just for your target market but for the search engines as well. Do avoid technical jargons; anyone even search engines get annoyed with people who tries to sound impressive when in fact no one can understand a word they say. Search engines are your only friend in the web, if you piss them off, down goes your chances of becoming visible.

Another way is to do blogs that can link to your website. Real estate sites doesn’t need too much updating, making blogs that link to your site can pretty much do the trick. Blogs unlike real estate pages are very flexible making it easy for you to put up fresh content as often as you want. Search engines just like web surfers are crazy about fresh and relevant contents. Be as visible as you can; submit to directories and link to outsides sources. Make useful anchor texts and be sure that they are relevant to the site that you are linking to. If you’re a good source of relevant information, chances are you will be able maintain your traffic.

Use Social Networking to Grow Your Business

You’ve all heard of networking right? Most small business women owners don’t ever use it to its full potential. One of the most common reasons is that it’s just one more thing you have to do in your busy day so it goes into the too hard basket, right!

I know I used to do this. With traditional networking, you stand in a room full of complete strangers pretending to have a good time. You go to events, either listen to a speaker, hand out business cards, grab a coffee, or wine (depending on the time of the day!) and walk around and introduce yourself, all in the hope that you will connect with the right people.

Yes, networking can be a nightmare. It can also be a great thing if you get the right environment for you. Networking is all about building relationships and now-a-days I use both online and offline networking, but I get the greatest benefit from online social networking as I can connect with more people in less time. So what is it and how can it benefit you?

The concept has been around for a few years, with MySpace being one of the first non-business sites to be completely set up for social networking. Gradually, businesses began to infiltrate through this and then other sites were born purely for business owners. You can now speak to someone over the internet, or leave messages for someone all from sitting at home. You can get to ‘know’ a person by looking at their profile, what their interests are, and who they align themselves with. All of this information is available for you to read, rather than physically getting out there and asking.

Where are these social networking sites? As mentioned above, there are a few major players in the field, all specializing in their own areas. MySpace was launched aimed at teens putting details, videos and photos of themselves up so they can chat and play games with their friends. Facebook was then introduced later, aimed at the older generations, hooking up with friends from school, adding photos of family and videos and chatting.

People started realizing that with the amount of traffic coming to these sites they could try and use them for business. But then business related sites like LinkedIn, twitter and niche market sites like Business Women Unite started popping up which are purely aimed at the professions, so people started viewing social networking in a totally difference light. They could start building relationships with many thousands of people without leaving their office.

But what are the benefits of joining these networking sites?

They all offer different things but by using these sites you can promote your business to thousands of visitors that these sites get every week which helps generate traffic to your business. You can expand your business by connecting and doing business with people from all over the world. Some of these sites also offer help for small business.

Sites like LinkedIn are based on the concept that someone knows someone who knows someone who knows someone else…and on it goes. They have applied this to business but you can also connect with lost school friends and work colleagues.

Whereas Twitter is different again and you communicate with people through the exchange of quick, frequent answers to one simple question: What are you doing? It takes a bit of getting used to but it’s worth it.

On the Business Women Unite site there are more business related tools such as a discussion forum, groups section, article directory and sections to promote your business. You can use these to connect with businesswomen of all industries as well as use them to ask questions, share resources and get tested business tips plus experts who can give you advice on how to increase your sales and profits, how to drive more traffic to your website and how to create a better business plus much more.

If you have the right strategy and the right approach you can turn a few minutes a day into thousands of extra dollars. Isn’t that worth the bother!