Small Business Owners Can Offer Health Insurance

Document Sample
Small Business Owners Can Offer Health Insurance Powered By Docstoc
					Presented by Daniel Toriola
Good health, along with access to good health care, is not a privilege, it’s a right. Smoking and intake of alcohol will not help you to maintain a good health it’s therefore necessary to stop such habits. Click here to know more

Facing 99.9% Downtime With Your Web Host? That's What Happens When They Cram Too Many Websites On Their Servers. We Don't! We Won't! Ever! Try Us, You'll Never Go Back. 100% No Questions Asked Money Back Guarantee Applies To All Hosting Accounts. Click here to know more

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.

Small Business Navigator Information for Small Business Owners. Page 1

Presented by Daniel Toriola
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.

Success Ideas Designed for offline small business owners who want to learn how to 'do more with less'Free e-zine. Page 2

Presented by Daniel Toriola
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! l

How Not To Get Screwed By Insurance! SAVE MONEY EVERY MONTH for the rest of your life on your insurance premiums! You're paying way too much! Page 3

Presented by Daniel Toriola

Related eBooks: Understand Business Insurance For Small Business HRA Plans for Small Business Owners For Your Health: Self Employed Health Insurance Marriage Shouldn’t Determine Your Health Insurance Policy Fear Not - Medical Insurance for Small Businesses Is Worth It in the End Get more Free PDF eBooks at Related Products: 101 tips to stay fit and live longer. Free Government Grants The Ultimate Rose Garden- Neighbors envy, owners pride! 14 Profitable eBooks Smoothies for Athletes A genuine resource center for Quality Ebooks and Softwares
This PDF eBook is for free Distribution only, it cannot be SOLD Hypnotherapy Diploma Course - Under $150 Full Hypnotherapy Diploma Course for less than $150, including Examination, Association Membership and money back guarantee. Click here to know more

Powered By ReBrand this PDF eBook with your Name / URL / ClickBank Affiliate ID for Free

Mother Of All Marketing For Business Ad Agency Expertise for All Business Owners! Reach More People and Make More Money! Wow! Page 4

Patricia Johnson Patricia Johnson Management Consultant
About Sharing ideas with others. The documents may contain basic information you already know. The documents are shared, also keeping in mind the people who don't know. Also, the documents might be useful to those who think they know buy they don't know that they don't know.