It has been one of the greatest myths ever that a home based business does not need insurance. Insurance is generally considered as crucial for the retail counters, warehouses or factories. A survey in America has shown that majority of businesses which are operated from home are not properly insured. This includes online home business as well.The myths:Some people cultivate a misconception that getting their home insured also covers the risks of their business operations from home. On the contrary, they will face difficulty during any claim if they haven’t specified their home based business in the insurance policy.Every business has a huge probability of risk factors leading to substantial losses. For instance: theft, natural disasters, accidents etc.Many people think that they have to pay thousands of dollars to get their online home business or any home business insured. It is actually not all that expensive and it starts from 25-30 dollars per year for at least minimal coverage.As the insurance sector is growing by the day, the companies are also providing new and innovative packages to protect your business.If your home based business is your sole means of income or supplementing other income, it still needs insurance for the safety of your home and family. Your Insurance policy can provide protective covering for the business and income no matters what size your business is.Moreover, it helps to ensure you to have a fully secured, reliable, stable and good income generating business. Many of the insurance policies are also tax deductible. Everything that constitutes your business needs to be covered in insurance plan.Here are some aspects of business that must be covered:o Home
o Equipment
o Inventory
o Employee’s compensation
o Business liabilities
o Personal injury
o Loss of incomeMany insurance companies provide a full package of insurance for any home based business by covering every factor mentioned above. This helps you save money as you have to pay only one insurance premium for coverage of all the factors.Some of the insurances to be considered are:o Public liability insurance: It covers for the person or client visiting at home.
o Employee’s compensation insurance: It covers for the workers working under your business at your home if you have any.
o Inventory coverage: It protects your stock against theft, storm, fire etc.
o Vehicle insurance: To protect your vehicle which you using your business.
o Professional liability coverage: If your business provides services and if your clients suffer due to your activity, this insurance will pay claim of defense.Before you make calls to get insurance, be sure to know the laws where you live. Are you allowed to have a home business? Know your licensing rules and parking issues for your area. Before notifying your home insurance carrier, find out how they feel about having a business in a home. You could just find yourself having a very difficult time keeping your home insurance or getting any insurance depending on the rules where you live. It is not necessarily a problem, just get your facts before searching for the policy so there are no surprises.There are many other types of insurance available according to the type and scope of the business, be it online home business or any home business. If you have large stocks or inventory, you must go for a Business Owner’s Policy (BOP). It provides the most productive policy specially meant for home based business.
Home Based Business – An Insight on Insurance Requirements
The Growing Advantages and Acceptance of Online Continuing Education for Social Workers in the US
Licensed social workers (LCSW, LSW, and ASW) are required by every state in the U.S. to have a certain number of CEU hours in order to be eligible for renewal of their licenses. Each state has its own requirements in regards to the number of years a license is good for as well as how many CE hours are necessary. The idea of continuing education for social workers is to assure that the SW remains current with research, changes and new approaches applicable to their particular field and job.
Regardless of the level of educational achievement, every practicing LCSW/LSW in the United States has a certain basic number of SW CEUs as required by their individual state’s board in order to renew their license. CE requirements for LCSWs/LSWs can range from 20 CEUs to 45 CEUs. To further complicate matters, each state has unique requirements as to the venue in which these ce credits may be acquired and the documentation required.
Licenses for SWs generally last from two to four years (depending upon the issuing state board) and upon renewal, continuing education for social workers documentation must be available. Some states such as Michigan merely require the documentation be available in case of audit while others require documentation of completion of the courses submitted with the license renewal application.
Continuing education for social workers is not limited to formalized classroom experience by any state and a number of different types of CEUs are acceptable. An LCSW/LSW who prepares papers or research for publication can also gain continuing education from publishing said research. The SW who is continuing their education into the Doctorate level may find some of their renewal social worker CEU requirements are met by the formal classes taken for their degree. However, some U.S. states require a certain number of education units be focused in particular areas that may not be covered by the degree courses.
Satisfying the Continuing Education for Social Worker Requirements for License Renewal
Satisfying state board ce requirements at one time was limited to publishing papers, attending workshops, or formalized classroom instruction. These limited choices put busy professionals at a disadvantage because clients and workload had to be juggled with classroom hours.
Although requirements for continuing education for social workers have been increased in some states in the U.S. the ways in which these continuing education requirements can be satisfied has expanded. One of the most notable and possibly simplest means of satisfying the LCSW, LSW, ASW CEU requirements has been online courses and classes designed to satisfy the state requirements for continuing education. It used to be that a social worker had to manage their professional lives & appointments and work to fit formal classes into their schedule and be absent from their practice during set hours to satisfy the CEUs for renewal. Now, online classes offer flexibility in coursework as well as in class content that meets the needs of the practicing SW and satisfies the State Boards’ requirements.
Continuing education for social workers does not necessarily have to be a matter of selecting only what educational units are available but of little or no interest in the course of the professional’s daily work. Social workers whose practices include family counseling, hospital and nursing or any other field can find courses that not only apply to their clients but also enrich their practices. Online classes that grant CEUS can be found in almost every area of practice and to satisfy almost any professional focus. Such classes provide the necessary documentation, state provider numbers (for CEU verification) and focus upon areas that SWs find of interest and their clients can benefit from.
CE requirements can be accrued slowly during the two to four year period before license renewal. Online CE as well as on-site CE is accepted by every US state. Satisfying these educational requirements slowly throughout the period can eliminate coursework overload or the frenzy of last-minute studying and attending seminars that were unfortunately common before online CEUs became readily available. The freedom to choose classes which match the schedule of the professional, as well as enrich the practice, increase their body of knowledge and keep them abreast of changes in the laws for professional licensed social workers are just a few of the advantages to online CEUs.
A Guide on Successful Product Creation and Internet Marketing
Product creation in Internet marketing is getting stiffer and stiffer nowadays owing to tough competition between Internet-based businesses. Putting up a new product requires plenty of brainpower and finances along with an ability to take risk. With that, even if you have the product well-set already, you have to position it strategically in the Internet landscape for others to notice. You should get the interest of Web users and turn them to actual customers. Aside from the usual physical products, many different products that thrive well on Internet marketing include E-books, membership sites, and video lectures.
The long and difficult process of product creation begins with ideas. They are easy to get – compared to the effort that comes with analyzing the market for that idea. Before the idea turns to a product, businesses often spend money, even amounting to millions of dollars, to ensure the success of the new product that emerges from an idea. Businesses undertake many types of market research and surveys before releasing their products to the public. Now, you may think that because your business is small, you can’t afford research or you don’t have to do research; you can and you should. The Internet allows you to disseminate materials needed for your market study to many people at once without your having to spend a cent.
It is a common maxim in business: Look at your destination first before mapping out your journey. So what are the goals you intend to accomplish with your product creation ventures? The everyday travails of your business may make you forget the end in sight. On the other hand, prepare to entertain new developments that come to your mind in your product creation. Your conception of a product may have started this way, but a few tweaks here and there along with some market research results and it ends up another way. Take it as the result of a creative process, not as a failure to reach your goal. After all, your product creation activities are intertwined with a long-term goal that you should strive to sustain at your utmost: profit generation. So if your less profitable initial idea evolves to a more profitable product, be thankful!
With your product made up already, start doing some aggressive Internet marketing. A product purchase typically comes after more than five times a customer is exposed to an informative call-to-buy message. Thus it is important to get the contact details, like the e-mail address, of potential customers who are on the brink of a sale. Use the results of your market research to determine the demographics to which you should concentrate your marketing efforts.
With consistent product creation, you can make an inventory of your products that you can market in due time. Just keep making products – the moment you succeed in making and marketing a product, customers are surely wanting more from you, so give it to them. Keep them on your side through constant product creation.