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Is it Ever Too Early to Get Business Insurance?

There are various things that come to mind when people start and grow their own business. They think of financing, location, and even legal fees associated with their dreams of becoming a successful entrepreneur. What they often overlook or don’t consider is the need for business insurance, especially small business insurance for many, when embarking on the challenges of a starting entrepreneur. Incorporating your needs for insurance is a vital component of the start-up process.

It’s never too early to think about small business insurance when starting your business. In fact, it probably wouldn’t hurt to include it as part of your business plan. Depending on the kind of business you’re in, and the types of risks and insurance obligations associated with what you do, the cost of insurance can be a vital component of how your start-up is financed.

General business liability insurance: Ever hear of it? If you haven’t, then it’s just another reason why incorporating small business insurance early into your business plans is vital.

General business liability insurance is one of the most available means of insuring a business from liability. Liability comes in all forms and a specific policy to cover you specific business is necessary.

In essence, since doing business involves some degree of contact with the public, you expose yourself to the possibility of causing injury or damage to a member of that public. It’s not like the kind of insurance you get for your home, where most of the people who come by are family or friends. The likelihood of getting sued because somebody slipped and fell on the driveway you forgot to shovel is low.

However, the likelihood of getting sued because someone who had some contact with your business feels you’re responsible for harm to them is much greater. That’s where general business liability insurance comes in and should form an integral part of your small business insurance plan.

Given the extent to which having insurance is a vital aspect of doing business, it just follows that incorporating it into your business plans as early as possible is just doing good business.

Every single business has its own unique needs when it comes to receiving adequate coverage, which is why planning for it early becomes wise. Small business insurance can cover anything from the risk of having a tornado hit your office to the chance that someone is going to sue you for the bad carburetor you installed in their minivan that caught on fire. Having a plan in place early on to cover you particular risks will allow you to adequately assess your risks and finance your business.

It’s a common mistake to assume that small business insurance is something you get after you’ve taken care of everything else. Although this is a better attitude than believing that business insurance is unnecessary or too costly. Purchasing business insurance late in the process can mean that you’ll encounter costs you simply did not expect or, maybe even worse, which you’ll have to settle for insurance that won’t adequately meet your needs.

Is it ever too late to get business insurance? Of course not. But the point to keep in mind is that it’s never too early to get business insurance either. Most successful businesses do one thing very well. As much as humanly possible, they try to manage the future. What does that mean? Well, it can mean a lot of things. Yet, generally speaking, it means that the smart business operator will always try to think two or three steps ahead instead of being complacent or looking back.

One of the most important aspects of looking forward for any business is the extent to which they manage risk. That’s where small business insurance and general business liability insurance come in. An entrepreneur who incorporates these into their assessment of risk as early on as possible is more likely to confront the future than one who doesn’t.

Since risk is extremely large when starting a business, it only makes sense that it be dealt with in all its forms almost from the beginning. The more that an entrepreneur does this early, the more they’re doing to confront the risks associated with all startups.

The beauty of small business insurance and general business liability insurance is that it takes one part of your assessment of risk and essentially out-sources it to someone else — your insurance provider. If only all risk could be dealt with in the same manner. It’s why getting an insurance provider you can trust early on is so important. An insurance provider who gets you covered with a plan just right for you, and does it early on, will help you deal with one of the many challenges facing a starting small business.

The need for small business insurance is vital for any new business. Without it, you’re exposing your business to risks that could ruin all your other hard work and planning. It’s why insurance should form an integral part of that planning and be incorporated in something as early as a business plan. Things like general business liability insurance are necessary for entrepreneurs who expose themselves to the risk of doing business with a public you might not even see or come into contact with. That’s why a good package early on is the only way of doing business smartly.

Useful Paraguay Travel Tips

Paraguay is the second poorest country after Bolivia in South America. The people are friendly and the pace is slow. The country has about 6.7 million people and 2.3 million of them live in the capital city, Asuncion.Here are 18 tips on traveling to Paraguay:1. Spanish and Guarani are widely spoken in Paraguay.2. Summer is extremely hot and can be up to 40 degrees Celsius according to the locals. Our visit was in winter. You do need a light jacket at night and early morning. Trinidad was extremely cold at night and early morning. You need winter clothes in this part of Paraguay, bordering Argentina in the northwest.3. Time zone in Paraguay is the same as US Eastern Time.4. Electricity is 220 volts.5. Official currency is Guaraní. During our visit it was US$1 to 4400 Guaranis.6. You can withdraw US dollars or local guaranis in major bank ATMs in Paraguay. We withdrew ours at HSBC bank along Calle Palma.7. Money exchange can be made at the border town of Cuidad del Este if you are traveling by a local or tour bus from Foz do Iguacu, Brazil.8. Most shops prefer cash in Paraguay and do not accept credit cards.9. If you need to consult with a bank official, banking hours are between the hours of 8:30 a.m. to 1:30 p.m. from Monday to Friday.10. Tipping is 10% in restaurants and bars.11. You can travel cheaply by bus from Argentina, Uruguay, Chile and Brazil to Paraguay. I do not have the experience but I’ve seen bus ticket counters in Argentina, Brazil and Uruguay that sells tickets to Asuncion, Paraguay. You will have to be aware of the need to go through immigration and customs on your own.12. Americans need Paraguayan visas. It costs US$160 per person and lasts until the passport expires.13. There are American fast food restaurants in Asuncion like McDonald’s and Burger King.14. We were careful with fruit juices and salads while eating in Paraguay. On our first night in Asuncion we asked for stir-fried vegetables instead of salad. BAD choice… we were given fried salad (tomatoes, shredded carrots and lettuce).15. Services at restaurants are slower than expected. So be patient.16. Get a hair cut in Asuncion. It is cheap. My son got one at Ayala, across the Grand Palace Hotel for USD4.50 by a barber who has 40 years of experience. He paid US$25 in Florida, US$10 in Mendoza, US$15 in Montevideo and US$13 in Sao Paulo.17. Tap water is drinkable in Paraguay according to the Paraguay Tourism Board. We bought bottled water.18. Airport tax is US$31.Do you have any travel tips to Paraguay?