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.
The Hartford offers a wide variety of coverage including general liability, workers compensation, cyber insurance, flood insurance, and home-based business insurance.
Gallagher small business insurance costs are determined by personalized quotes and depend entirely on your business type, locations, coverage needs, and other individual factors. You can request a quote from Gallagher online or by phone.
“MBE (Minority Business Enterprise) certified” means your business received official certification as a minority business. This is something that minority-owned businesses can register for to gain access to both financial and professional opportunities. There are multiple organizations nationwide that offer certification.
To start a small ice cream business, you need to draft a business plan, invest in the right kitchen equipment, find a great location, rent or buy a building or truck, test your recipes, and acquire the necessary business licenses.
Google Business Profile is easy to use, makes it easier for customers to find you and learn about what you have to offer, and can improve your customer experience and relations.
Square is a massive ecosystem of scaleable products and services for businesses of any shape and size, including niche business ideas. Square offers eCommerce options, appointment scheduling software, and plans for specific industries like restaurants.
Any small business that experienced fully or partially suspended operations due to COVID-19 or a significant decline in gross receipts qualifies for the ERC.
Qualified wages are wages that will be under consideration when you apply for the ERC. They are wages paid between March 15th, 2020 and September 30th, 2021. The period for qualified wages does extend beyond the September deadline for certain businesses.
While the ERC can be daunting, it is a great way to pay yourself back for keeping your employees on payroll during the different economic shutdowns we experienced in 2020 and beyond. Take some of the stress out of a potentially overwhelming process and consider hiring a professional to help you apply for the ERC. Research never hurts and who knows, you could learn that you’re more of an expert than you thought!
Are you looking to start selling at your local farmers market? In this article, we’ll tell you what to sell at a farmers market, what you need to get started, and how you can be prepared for farmers market season! Despite the name, you don’t have to be a farmer to sell at farmers’ markets. […]
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Our team of experts spends hours on every review so that we can find the best companies to recommend to our readers. The Hartford Small Business Insurance made the cut.
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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.
Our team of experts spends hours on every review so that we can find the best companies to recommend to our readers. The Hartford Small Business Insurance made the cut.
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