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.
Subscription boxes are all the rage for consumers, with everything from jewelry to collectors’ items and even food and drinks. Here’s what you need to know to plan, launch and grow a subscription box business.
Learn all about C-corporations and S-corporations so you can make an informed decision about which one is right for your business.
Selling at a farmers market sounds easy but it does require research and preparation. Here’s what you need to know to start selling, the best payment processors to use, and some marketing tips to help your small business grow at the farmers’ market!
Registering your nonprofit can provide your organization with distinct advantages like legal protection, tax benefits, access to funding and discounts, and more. Learn what it takes to register your nonprofit organization.
Which shipping carrier is best for businesses? We’ll compare the top three shipping providers — UPS, USPS, and FedEx — to see which is best in terms of pricing, services, delivery times, and more.
Worker co-ops come with various advantages for members…but you might also encounter some disadvantages. Learn what it takes to form a cooperative, and find out if it’s the right type of structure for your business.
For small businesses searching for funding, the debt service coverage ratio plays a huge factor in lending decisions. Lenders use your DSCR to determine whether you can afford to make regular loan payments and how much you can borrow.
When you are looking for your very own side hustle, there are a couple of things you want to consider. Can it actually be a side hustle or is it enough work to be considered a full-time position? Do you have the time and energy to add it to your already busy schedule? Is it something you are passionate enough about (or that makes enough money) that you won’t get burnt out too quickly?
Personal guarantees are often required for loans, credit cards, and other types of business financing. Learn about the different types of personal guarantees you might come across, and how to avoid the bad ones, when you’re looking for business funding.
You will need anywhere from $1,000 – $100,000 before you start your business, depending on your industry, location, and business plan.
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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.
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