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serious norman
Dec 13, 2007

im pickle rick!!!!
Ask me a buch of things and i'll tell you if they are Basic or not in b4 "no" in b4 "gas"

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SniperWoreConverse
Mar 20, 2010



Gun Saliva
posting
is posting basic

https://www.youtube.com/watch?v=TdaM5Mv-TTo

Elusif
Jun 9, 2008

don't become speedgem

gary oldmans diary
Sep 26, 2005

Chamale
Jul 11, 2010

I'm helping!



Flagrant Abuse posted:

yoga, starbucks, video games, ted talks, sarah silverman, dane cook, jeff dunham, the something awful forums

Otto von Ruthless
Oct 1, 2014
acids

Otto von Ruthless
Oct 1, 2014

this would also be a good topic for a parody trhead

Bold Robot
Jan 6, 2009

Be brave.



checker's/rally's

ghlbtsk
Apr 19, 2005

these bath mats
are
GORGEOUS
The physical state of this thread should be neither solid nor liquid.

Applewhite
Aug 16, 2014

by vyelkin
Nap Ghost
Is Sonic the Hedgehob basic?

logical phalluses
Mar 18, 2009

The living look upon the corpse with their eyesight,
But without eyesight lingers a different living and looks
curiously on the corpse.
van gogh
al jazeera
sylvia plath
korg microkorg

PTSDeedly Do
Nov 24, 2014

VOID-DOME LOSER 2020


aqueous HF

Hungry Joe
Nov 27, 2006

DDFH
bitches?

1gnoirents
Jun 28, 2014

hello :)
I saw the thread title and plugged a laptop into my fax machine and just fyi to goons, this thread is 56k safe

BeefThief
Aug 8, 2007

how about fax machines, op

TOILETLORD
Nov 13, 2012

by XyloJW

serious norman posted:

Ask me a buch of things and i'll tell you if they are Basic or not in b4 "no" in b4 "gas"

poo poo post

Ghaz
Nov 19, 2004

lye

Baba Ganoush
Oct 12, 2014
Dinosaur Gum
bitches?

Snatch Duster
Feb 20, 2007

by FactsAreUseless
Business insurance is one of those gray areas. Do you need it or don’t you, and, if so, what kind? For certain businesses – for example, amusement parks and health care related industries – it’s an absolute necessity from the get-go, but what if you run a freelance business or engage in low-risk work? Is business insurance a requirement?

While it may not seem so from the outset, as your business grows and takes on additional risk, business insurance quickly becomes a must. The problem is that many smaller businesses ignore the issue of insurance until it’s too late.

One reason for this is that many small businesses often assume that by forming a Limited Liability Company (LLC), they’ll be afforded protection in the event of a lawsuit. However, while this structure can protect you from personal liability for business decisions or actions of the LLC – the liability protection is limited.

For example, if you inadvertently break intellectual property laws or are sued by an employee, you could face a lawsuit and potential losses that being an LLC cannot protect you against.

Of course, LLCs aren’t the only business structure that can benefit from business insurance. Sole proprietors, partnerships, S-Corps and Corporations all need insurance.

But what kind of insurance do you need? Here are four forms of coverage that you should consider (over and above healthcare insurance and any employer insurance obligations):

General Liability Insurance – This is the silver bullet for protecting you, your business and your employees from any damages incurred as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.

General liability insurance is often sold as a catch-all and includes numerous add-ons that you can tailor to your business and its degree of risk. For example, if non-paying clients are a concern, you can add accounts receivable protection to your policy. Inland marine coverage is another option that can protect against loss or damage to business property when it’s not on your premises.

It’s also worth noting that oftentimes a client will request evidence of your certificate of general liability before doing business with you – another good reason to secure a policy before it holds up any potential new work.

Property Insurance – Whether you own commercial real estate or run a home-based business, protect your assets and the equipment, fixtures and furniture inside it. Property insurance is often rolled into general liability insurance, check with your broker to be sure. Home business owners should also be aware that home insurance doesn’t always cover home-based business losses. You may need to add additional riders to your home insurance policy or get other insurance to cover additional risk.

Professional Liability Insurance – Also known as errors and omissions insurance, this insurance protects against errors, malpractice and negligence in the provision of services to your customers. This is often recommended to businesses who provide services such as tax or financial advice, as well as physicians (who are often required by state law to carry this insurance).

Product Insurance – This protects businesses that manufacture, distribute and retail products against any financial loss incurred as a result of a defect product that causes harm or injury. Product insurance can also be tagged on to a general business liability insurance policy.

The Bottom Line

Insurance can be a confusing business. A good insurance broker can help demystify this process and put together a package based on your unique needs. Once in place, don’t forget to keep your policies current and under review (for example, if you take on employees or new assets).

Check out SBA’s Business Insurance Guide for more information and some useful tips on buying insurance.

Disclaimer: The information in this blog does not constitute legal advice. Seek the services of a lawyer if you have any questions about business liability.

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spud
Aug 27, 2003

by LITERALLY AN ADMIN
Bumsex?

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