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.
Most POS systems are not equipped to efficiently take in all this data. So, you will need accounting software like QuickBooks Online to keep track of expenses over time. Alternatively, you can save your receipts and manually add all your expenses when filling out your taxes.
GoDaddy POS is a great option for businesses just getting off the ground or looking to add eCommerce/marketplace sales to their revenue. The pricing of GoDaddy POS is difficult to understand and even harder to get a clear answer on, so make sure you read your merchant agreement and any other legal documents thoroughly before you decide to sign any contracts.
While you’re actively driving or delivering, you’re working for what’s known as a Transportation Network Company (i.e., Uber, Lyft, Doordash, Instacart, and so on). Your TNC is required in most cases to provide insurance coverage. While you’re waiting for a job and in between jobs, you need personal auto insurance for your car. But making deliveries or offering rideshares may invalidate your coverage.
An ERC loan is an advanced payment for your pending ERC refund. If your business can’t wait 12+ months for a check from the IRS, an ERC loan can help.
ERC refund, ERC loan, ERC grant. What’s the difference? Which one is right? How do you apply? We’ll walk you through the basics of the Employee Retention Credit (ERC) and how you can take advantage of this unique tax credit.
Inland marine offers coverage to protect your products, materials, and equipment from events such as theft, fire, wind and hail, water damage, accidental damage, and mysterious disappearance. It does not cover damages that occur at your main business location, damage to commercial vehicles, items shipped by air or sea, or earthquake and flood damage.
Businesses are required to carry workers’ compensation in all states except Texas. In many states, workers’ comp is required as soon as you hire your first employee. Other states tie coverage requirements to the number of employees you have. Talk with a licensed insurance agent to make sure you have the coverage you need.
If Toast seems pricey or too restrictive, check out one or more of the restaurant POS systems on this list. Most of them offer a free trial or free demo that you can use to test out the system before committing. A lot of these Toast competitors offer month-to-month contracts (or no contracts at all) making it easier for you to move between systems if needed to find your perfect fit.
Laundromat software and POS systems must have specialized features for everything required to run a successful laundry business. These features include in-person transactions, inventory management, and tracking for services like dry cleaning or wash and fold.
Sole proprietors can protect their businesses by taking out business insurance. Start with general liability and commercial property policies, and then talk with your insurance rep about any recommended additional 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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