Kymberlin started contributing to Merchant Maverick as a freelancer in 2022 and joined the team as the full-time small business health insurance expert in 2023. She earned her Bachelor of Arts in Creative Writing from Pacific University in 2020 and continues to reside in Portland, Oregon.
At its most basic, a business insurance quote is a document that shows what you could expect to pay for a policy from an insurance provider. Each business quote will be different due to the unique needs of each business and factors such as industry, number of employees, past insurance claims, and deductibles.
While small business health insurance is an additional expense for your business, the benefits for both you and your employees are likely worth the cost. Potential tax benefits for your business and happier and more productive employees make adding health insurance as a benefit a win-win for your small business.
You need a loss run report to negotiate lower premiums with your existing or new insurance provider, determine risks associated with running your business, and establish a plan to help mitigate potential hazards.
Even though you are not legally required to purchase health insurance for a single employee by law, there are still great reasons to offer health benefits. Health insurance is not a trivial purchase — your employees work harder and better when they feel protected and healthy. Now, with the addition of the tax benefits and expanded options, it’s easy to finally make it happen.
Health care is daunting, complicated, and time-consuming. So, for small businesses without a large HR department, navigating the health insurance process can suck up time and energy that you simply don’t have. Check this complete guide on small business health insurance.
Commercial property insurance is designed to protect your business from accidents, theft, fires, and some (but not all) Acts of God. If the worst-case-scenarios for your property come to fruition, a solid commercial property insurance plan creates a way for your business to run and thrive despite the setbacks.
Most home insurance policies are there to protect the house and the homeowners — not a business. If you run a small business out of your home, you should consider adding business insurance as an endorsement to your plan or invest in business insurance separately.
Thinking about starting a consulting business? Wondering where you’ll get the money? Learn everything you need to know in our guide!
Do you have a plan to deal with a loss of income or pay for utilities that aren’t working? What if you have to temporarily relocate? Read this informative article to learn more about business interruption insurance, including exactly what it covers, how to buy it, and more.
The best insurance for startups boils down to the specific risks they’re most likely to face, so it’s key to be familiar with your industry and its common accidents/lawsuits. Generally, it’s wise to start with a business owners’ plan and scale up from there.
You will need your Employer Identification Number, or EIN, for completing various legal tasks related to your business, such as filing taxes. If you have misplaced your EIN or aren’t sure if you even have one, you have come to the right place! Read on to learn what an EIN is, how to find your EIN, and how to apply for an EIN if you don’t already have one.
Health care is daunting, complicated, and time-consuming. So, for small businesses without a large HR department, navigating the health insurance process can suck up time and energy that you simply don’t have. Check this complete guide on small business health insurance.
Having a POS that automatically syncs your data to your QuickBooks account makes reporting and accounting much easier. But finding POS software that’s QuickBooks compatible? Not necessarily easy. Here are nine great options for small businesses that want a POS system compatible with QuickBooks.
The insurance industry might be in the business of worst-case-scenarios but a general liability insurance policy doesn’t have to set you back significantly — and the protection it provides is priceless. Read this informative article about the type of incidents this kind of insurance covers, discuss costs and plans, and steer you in the right direction if you’re ready to buy.
If you are a small business owner and are starting to look at your business insurance options follow these five steps, and you’ll be well on your way to buying appropriate insurance coverage!
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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