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.
Short-term business loans are a relatively recent addition to a merchant’s arsenal of business loan options. Introduced in the last decade or so, short-term loans are similar to traditional installment loans, but fees are calculated a little differently.
In addition to any background checks the hard money lender may decide to factor in, the property’s qualities will be considered. Properties in booming real estate markets and “up-and-coming” neighborhoods may push the lender’s LTV tolerance close to 75%, often considered the upper limit for hard money. In contrast, a property in a poor market, or a remote one, will push the maximum LTV closer to zero.
These days, consumers have very specific technological expectations of every business they patronize. Specifically, when it comes to service and hospitality industries, people want to be able to schedule easily (online, if possible) and pay with alternative methods. And that’s where software comes in.
When it comes to POS systems, salons and spas have more specialized needs than the average retail business. Read on to find out what you should really be looking for, plus discover our top picks for salon POS software!
In this article, we’ll discuss eight key signs that you’re ready to leave Etsy and give you tips for starting your own online store when you leave.
Built with advanced inventory features, in-house marketing capabilities, and the ability to integrate with virtually any payment processor, talech takes your standard POS to the next level. There are very few red flags here that would cause you to cross talech of your list automatically. Read more in our comprehensive talech review.
In danger of defaulting on your small business loan? Find out what might happen and what steps you can take to make sure your loan stays current.
Inventory software for restaurants can include ingredient tracking, vendor management, low-stock notifications, and recipe costing. A good restaurant inventory management system saves time and money by preventing food waste. Learn about the best restaurant inventory management software, including Toast, Upserve, TouchBistro, and more.
Lightspeed is an awesome POS solution, but it’s not right for every business. Some merchants might want a more affordable POS, or one that provides advanced or niche features. Read on for a look at some of the best alternatives to Lightspeed. We’ll explore Lightspeed competitors, including Square, Shopify, Toast, and more.
An APR (Annual Percentage Rate) is the actual total cost of a loan over the course of one year. It isn’t just the interest rate, it’s the interest rate plus any fees that come with the loan.
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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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