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.

Home Buying 101

Whether you’re buying your first home or your 21st home, it’s never easy to find exactly the right house. Finding your dream house requires patience and persistence.Let’s be honest. Buying a house is an emotional decision, as well as a rational, financial one. Take my friend Trina, for example. Trina was house hunting one day in the early spring when her broker showed a house with daffodils blooming by the front door. Trina instantly fell in love with the house, despite the fact that it had 2 bathrooms instead of 3, and a den but only 3 bedrooms. It also had a formal dining room, not the great room that Trina really wanted. But, it had daffodils blooming by the front walk. Trina and her husband bought the house, and started expensive renovations. Five years later, they have the house they’ve always dreamed of, but at a price.”Looking back, it would have been a lot cheaper for me to find a house with all the features that we needed, and plant daffodils!” Trina says.It’s important to know exactly what you are looking for, when you buy a house. If Trina had made a list of her wants and needs before she started house hunting, she could have saved herself years of noisy, messy renovations.Before you open the real estate section of a newspaper, or contact a real estate agent, sit down with a pencil and paper and make a list of your wants and needs. If you are buying the house with someone else, have them make their own separate list. Then, compare the two.The first question you need to ask is, “What do I need in a house?” For Trina, the answer was 4 bedrooms and 3 baths in her children’s current school district. With the birth of her third son, the family had simply outgrown their current home.Your list of needs might be totally different. Maybe you need a house on one level, so that you won’t have to climb stairs. Maybe you need a big, sunny kitchen, a spacious family room, or a yard large enough for soccer. Maybe you need an area with no restrictions on having a home-based business.Next, ask yourself “What do I want in a house?” Maybe you’d love a great view, open, sunny rooms, cathedral ceilings, a fireplace, a walk-in closet or solar heating.Finally, ask yourself “What do I hate?” Make a list of the features that you will not accept in your new home. For Trina, Tudor-style architecture is high on that list. “Our old house was Tudor style. It was so dark, and the rooms were so ugly, that I soon hated it!”Now, compare your list with your partner’s. Are there items that both of you want or need? That’s a good start. Are some of your “hates” on your partner’s “wants” list? If so, you’ll need to discuss it and compromise.Finally, create a master list with all the needs, wants and hates for the two of you as a couple. This is your home buying guide.
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10 Easy Saddle Fitting Tips

If you want a good fit take a few minutes and answer these basic questions.

1. How much does your horse weigh? If a 1000 lbs or more, look to a Full Quarterhorse Bar (FQHB)/wide saddle.

2. What kind of withers does your horse have? Mutton-withered? Look to a FQHB if your horse is anywhere close to a 1000 lbs. i.e. 900 lbs or more.

3. Consider your horse’s back. Is he wide or narrow? Can’t tell? A wide back will require a FQHB. A narrow back will need a semi-quarterhorse bars.

4. Is your horse short backed? Look for a shorter skirt or round skirt saddle. You don’t want the saddle skirts to rub the horse’s hips.

5. Is your horse gaited? Seriously consider a gaited saddle. Gaited saddles have more rock with wider bars in the front and are smaller in the back to allow for the movement of their shoulders.

6. What is your budget? Be reasonable in your expectations. Leather saddles cost more than cordura saddles. You will find few leather saddles for under $500, so be realistic. Most of the time you will get what you pay for.

7. Consider what you are going to do with this saddle. Yes, the trail saddle looks nice, but you won’t rope off of it for long.

8. What seat size do you need to look for?

9. What saddle pad will work? Most horses do not need special pads, but some horses do. Think about what will work, and do the necessary research.

10. Answer all the questions. All these questions need to be considered to insure a good fit. If you don’t answer all the questions you may find a saddle that fits and you might not.