F I R M Solutions, LLC

Home Based Business Insurance

When you start a home-based business, insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens -- and it will -- having insurance coverage may mean the difference between the success and failure of your home-based business. Remember that your homeowners insurance policy will exclude certain if not all commercial coverage. You may not require all types of insurance listed here, but taking some time now to consider your insurance needs can save you money and headaches in the future.

Business property insurance helps protect you against loss of inventory or equipment. If your business equipment or inventory is damaged in a flood, fire, or other disaster, this type of insurance will allow you to recoup your losses.

Comprehensive commercial general liability insurance is necessary for your home-based business if you plan on having clients or customers visit your home. Whether you plan to hold meetings, allow customers to pick up merchandise, or have members of the public enter your home for any other reason, this insurance will protect you if someone is injured while on your property. This insurance will typically pay for your legal defense should you face a lawsuit as the result of a fall or other damage that occurs on your property.

Business interruption insurance will help your business recover from natural disasters. It will cover you for income lost during the disaster, and will pay for operating expenses that continue to accrue, even though your business isn't up and running.

Workers' compensation insurance is vital if you plan on having employees working out of your home. Without workers' comp, you'll be responsible for any medical expenses arising from injuries employees sustain while working for you. Many home-based business owners mistakenly believe that this type of insurance is only required by businesses that have a retail or separate location, but that's not the case.

Health insurance should be a serious consideration. If you have just left your current job to start your own business, you may be eligible for COBRA, which will provide temporary interim coverage, but is often very expensive. This will keep you covered while you search for the best health insurance policy that will fit your new budget.

Disability insurance will guarantee you some income should you suddenly become unable to work because of injury or illness. Having this extra peace of mind may be well worth the extra money you pay.

Life insurance will help ensure that your family has the money it needs should you meet with an untimely death. Some lenders require that you have life insurance before they'll issue a loan; this guarantees that the loan will be repaid if you meet with an untimely end.

Do you have a home based business or home based hobby? The difference is setting your business up professionally making sure you have the right insurance coverage in place. Let FIRM Solutions help you make the right decision when it comes to your business venture. Call 1-888-471-FIRM (3476) 760-471-1312 or info@firmsolutions.net.  

Workers Compensation Basics

Employers need workers compensation insurance. It's required in every state but Texas, and covers your employees' medical expenses and lost wages if they're hurt on the job.

Workers comp is a compromise: Benefits are paid regardless of who is to blame for the accident or injury. This "no-fault" status is key to workers comp — the employer does not admit liability for the injury or illness, and the employee recoups workers comp benefits without having to sue. There's no room for horseplay, drunken stumbling, or illegal drugs, though — if any of those lead to an injury, workers comp insurance won't pay. The same goes for self-inflicted injuries, and for injuries incurred while a worker is off the job, committing a crime, or violating company policy.

California mandates how much coverage the employer must buy, and what percentage of the employee's salary you'll pay if he or she misses work due to a work-related injury.

Just to make things more confusing, not all states require all employees to be covered under workers comp insurance: Frequently excluded workers include business owners, independent contractors, domestic employees in private homes, farm workers, maritime workers, railroad employees, and unpaid volunteers.

Because requirements are clearly defined by each state, workers comp insurance packages themselves are fairly standardized, with little variation among different companies' basic policies. Basic workers comp coverage includes medical treatment, rehabilitation costs, and lost-wage replacement, covering up to two-thirds of an employee's regular salary while he or she is out of work. Most workers comp policies also include liability coverage, which kicks in if a worker's family sues you for damages stemming from a workers comp claim.

That’s why it’s important to have a broker who is willing to take the time to understand your business. Take the time to find the right company by maximizing available credits and discounts. Talking to underwriters and making sure proper loss control is in place. Let FIRM Solutions help you with your workers compensation insurance needs. Give us a call at 1-888-471-FIRM (3476) - 1-760-471-1312 or info@firmsolutions.net

FOR IMMEDIATE QUOTES CALL 888-471-FIRM (3476) - 760-471-1312 or Info@Firmsolutions.net

Eight Good Reason to think about Aflac

Aflac is different from health insurance; it's insurance for daily living.

Major medical pays for doctors and hospitals. Aflac is insurance for daily living. It pays cash benefits directly to you, unless otherwise assigned, to help with daily expenses when you're sick or hurt.

Aflac benefits help with unexpected expenses.

Your Aflac benefits check helps you pay for the many out-of-pocket expenses you incur when you are sick or hurt - like the cost of transportation to and from medical facilities, parking and additional child care expenses.

Aflac pays you cash benefits to use as you see fit.

You can use your Aflac benefit check to help pay for groceries, child care, rent...it's totally up to you.

Aflac is affordable.

We have a range of products that fit most budgets. Aflac can provide you and your family with coverage and security to help maintain your everyday life in case of illness or injury. And, Aflac rates don't go up when you file a claim.

Aflac is an extra measure of financial protection.

When you're sick or hurt, Aflac pays cash benefits that you direct to help you and your family with unexpected expenses. The benefits are pre-determined and paid regardless of any other insurance you have.

Aflac goes with you when you change jobs.

When you have an Aflac policy - it's yours. You own it. Even if you change jobs or retire, you can take your Aflac policy with you.

Aflac claims are processed quickly - usually within 4 days.

Filing a claim with Aflac is never a 'wait and see.' Claims are usually processed within 4 days. Our forms are also easy to complete. So while you're focusing on your health, we focus on getting you a check quickly.

Aflac pays you benefits even when you're healthy.

We want you to be healthy - that's why we promote care. Get a routine physical, a mammogram, or an eye exam and we'll pay you*. It's that simple. *Benefits may not be available in all states

YOUR AUTO INSURANCE AND SMALL BUSINESS EXPERTS SINCE 1992

IMMEDIATE QUOTES CALL 888-471-FIRM (3476)

WE ARE AVAILABLE EVENINGS, WEEKENDS AND HOLIDAYS info@firmsolutions.net

 

What is FIRM Solutions? Financial Insurance Risk Management, We find solutions for all your Auto, Business, Life, Health and Personal Insurance needs.

Specializing in Auto insurance for clients with International licenses. No license, Suspended or Youthful Drivers. We have good programs for you with the largest A rated insurance companies. 

Small and Home Based Business, Commercial General Liability, Workers Comp, Medical Office, Professional Liability – E & O and Gargagekeepers coverage experts.

Mobile detailers program, FIRM Solutions has the best program available. Check out the Mobile Detailers catagory listed on the right side for more information.

We work with the home based businesse or self-employed individual, who in order to compete in today's aggressive business environment must maintain comprehensive insurance packages, but cannot afford to spend the entire bottom line just to get their foot in the door. This is what we do best!

Let FIRM Solutions, LLC, help you manage your risk by providing you with the coverage you need, at the best price. We write with the industries top rated carriers and through our excellent reputation have earned preferred underwriting status giving us the extra support necessary to make sure you the customer get what you need.

California State insurance license Numbers 0B07388 0G00824