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Small Business Owners Can Offer Health Insurance

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Small Business Owners Can Offer Health Insurance Powered By Docstoc
					Presented by Daniel Toriola
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Small Business Owners Can Offer Health Insurance By Elizabeth Newberry

Are you a small business owner looking to attract and keep hardworking, quality employees? If so, you should consider offering a health insurance package to your employees. These days, health insurance is one of the main factors people consider when deciding whether or not to accept a job offer. Since the cost of individual health insurance policies is high, and the cost of health care is even higher, it’s no wonder good health insurance is sought after by prospective employees. Some people will even leave their current jobs at one business to work for another business that offers better health insurance packages. With this in mind, you as a small business owner need to start looking into offering health insurance packages to your employees before a larger business lures them away. You may think large businesses are wealthier businesses, and in most cases you’d be correct; however, that doesn’t mean your small business can’t afford to offer a good health insurance package to your employees. It won’t happen easily or overnight, but it’s possibly for you as a small business owner to provide health insurance for your employees. You’ll need to research insurance companies that offer health insurance packages for small businesses at group rates. Group rates are generally much less expensive than individual rates. This is why most people don’t want to purchase individual health insurance policies and are attracted to businesses that offer health insurance packages. Don’t limit your search to one or two health insurance companies. Research several companies, comparing the coverage and prices they offer. You may even want to talk with fellow small business owners about the health insurance packages they offer their employees. Word-of-mouth and personal experience are often the truest forms of advertisement. Once you find the health insurance company that will allow you to offer health insurance packages to your employees, your small business will attract and retain the employees it needs. http://www.myquoteguide.com/Car-Tips.shtml http://www.ezquoteguide.com/home/ http://www.ezquoteguide.com/car/

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Understand Business Insurance For Small Business By Marilyn Katz

Many small business owners rely upon their personal insurance to cover their small business. This is, especially true, of home business owners. However personal insurance is not designed to cover a business, and if you do need to make a claim, you may find yourself under insured, or even uninsured!

For instance, your home property insurance may have a limit of a few thousand dollars for the contents of your home. If you have computers, other business machines, or especially, business records, a loss can be much larger. It would be tragic to have an accident or damage to your home that also destroyed your business assets, and then to find that you cannot make a claim to cover your business loss. Another common example is for auto insurance. If you bought a personal insurance policy several years ago, you may not remember the mileage or use you claimed. If you claimed that your mini van was only used for errands and soccer games, and then had an accident while using that vehicle to transport business supplies, the insurance company may have a reason to deny the claim! Many small business owners even allow employees to use their personal cars for business. But if an employee is involved in an accident while doing your business, can you rely upon their auto insurance to cover it? This is a risk you probably do not want to take. Now you may be able to go back and adjust your personal auto insurance policy to include business use, or you may need a commercial insurance policy. And if you do business, you are always vulnerable to liability claims. If you do not have proper business liability insurance, one cliam can ruin your business. Even if your business is innocent, the cost of lawyers can run into thoousands of dollars. When you have a liability policy, you also have an insurance company who will work on your side to fight claims. You really need to look into the common types of business insurance. Commercial car insurance, business property and liability insurance, and if you have employees, workers comp insurance, are three policies you should look into. If your business depends upon the talents of one or more key employees or partners, a key man life and disability policy can protect you from ruin in case of a death or accident. Personal group life insurance provides a benefit that will attract and retain quality employees too! And of course, we can hardly talk about business insurance without talking about group health plans. Now if you are the only employee of your small business, you will not be able to get a group health plan. You must take out an individual policy or rely upon a spouse's health plan. However, if you have two or more employees, you can find group health insurance. You need to look into the need for a business health benefit plan. A good group health insurance plan can be the one benefit that qualify employees are looking for, but it can also be a major expense for your business.

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Learn about Business Insurance, and take a few minutes to compare quotes from major insurers who want to save you time and money by giving you online information! http://www.businessinsurancestore.com/business-insurance.htm l

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