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seo web
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.
Are Nocebos Harming Your Health and Fitness Efforts?
What the heck are nocebos you are probably wondering and what do they have to do with your health and fitness? They are the evil cousin of placebos. You know that placebos are used quite a bit in testing of drugs and supplements.The test is set up so that one half of a group gets the actual drug and the other half gets a placebo. The placebo is usually some kind of sugar water and it doesn’t have any of the drugs in it. In a double blind study neither the participants nor the researchers know which group gets the drug and which group gets the placebo.The idea of the placebo is that it isn’t the real drug and that it is not harmful in any way. This way the researchers can get an accurate measurement of what effects the drug actually has. An interesting thing happened during testing. Both groups responded to the drug.This shows the power of the mind. If you think you are getting a drug that is going to help you, you respond as though you are getting the drug and that it is helping you, even if you are in the placebo group and only getting sugar water.This effect is called the placebo effect. Many people have taken this placebo effect and used it in a not so positive manner. The nocebo effect as mentioned before is the evil cousin of placebo. It is when someone tries to affect a negative and harmful effect in you by using the power of the mind to control your response.This might make more sense if you think of a witch doctor. There have been many documented cases of where witch doctors have actually killed people just by using the power of suggestion.They do their incantations on someone and that person, because they believe the witch doctor, fall violently and sometimes fatally ill. That is the nocebo effect taken to the extreme.So what does this have to do with you and your health or fitness goals?Plenty. How many times have you said you are going on a diet, or going to start eating healthy or start going to the gym only to be met with a round of laughter and put downs from your friends and family?That is a milder form of the nocebo effect. And it does affect you. Very few people are able to overcome such negative and harmful statements.It has taken a lot of strength for you to admit you need to change your lifestyle to become healthier. It takes even more strength to admit it to others.When that strength is met with derision, scorn and laughter, it is like you have the weight of the world on your shoulders.It is almost too much to overcome. Does that mean you shouldn’t tell anyone? Well, maybe. Or maybe you need to be pickier in who you tell. One of the best things you can do to help you in your health and fitness goals is to find others that are trying to reach the same goals. You can go to a gym or you can go for walks in the park. You will see and meet others doing the same thing you are doing.Surround yourself with other like minded people and you will be able to easily overcome the nocebos in your life. One place where you won’t meet any nocebos is at Val’s health and fitness site. Check it out – see below.