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marksman
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| Joined: | Mon Nov 28th, 2005 |
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| Posts: | 56 |
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Posted: Mon Nov 28th, 2005 04:17 pm |
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As small business owners, what are you all doing for insurance. My last business I had, I ended up with about 30 employees and we had insurance through an HMO.
Now my current business is just me and I intend to keep it that way as long as possible. That being said, I have intentionally started myself with a very limited budget, for a number of reasons. So I am growing the business almost entirely through its own revenue. I will soon be to the point where I need to decide what I am going to do for insurance. I have been fortunate that I have not really been ill the last several years, but I still need to be thinking ahead.
I know in the past there were often trade associations and such that had deals for small businesses. I would like to find out what some of you are doing for insurance.
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TPT
Administrator
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Posted: Mon Nov 28th, 2005 09:43 pm |
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I'm using the insurance from my night job. But, when my business gets to the point that I need to leave that job, I will be joining the local chanber of commerce. They offer a group discount on medical and dental.
I'd recommend looking into C of Cs and other local trade groups.
____________________
Fred
Intensify.biz Founder
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m0nk
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| Joined: | Mon Nov 28th, 2005 |
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Posted: Tue Nov 29th, 2005 01:53 am |
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In Canada -- where I am from...health coverage ins't that big of a deal for use self-employed -- because our govt covers it...however for benefits like dental, eye exams and stuff not covered it is a fantastic idea to join a local trade group that would offer such coverage.
Good tip...thanks!
TPT wrote: I'm using the insurance from my night job. But, when my business gets to the point that I need to leave that job, I will be joining the local chanber of commerce. They offer a group discount on medical and dental.
I'd recommend looking into C of Cs and other local trade groups.
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marksman
Member
| Joined: | Mon Nov 28th, 2005 |
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| Posts: | 56 |
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Posted: Tue Nov 29th, 2005 11:09 pm |
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That is what I was thinking. Chamber of Commerces and/or any small business associations. Insurance and such are probably my least favorite things to deal with, another reason why I do not want any employees.
On a different subject, is there way to post under the quote? I feel like I am just missing something here, but for the life of me I can't get the cursor to drop below the quote box.
TPT wrote: I'm using the insurance from my night job. But, when my business gets to the point that I need to leave that job, I will be joining the local chanber of commerce. They offer a group discount on medical and dental.
I'd recommend looking into C of Cs and other local trade groups.
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TPT
Administrator
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Posted: Tue Nov 29th, 2005 11:55 pm |
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marksman wrote: That is what I was thinking. Chamber of Commerces and/or any small business associations. Insurance and such are probably my least favorite things to deal with, another reason why I do not want any employees.
On a different subject, is there way to post under the quote? I feel like I am just missing something here, but for the life of me I can't get the cursor to drop below the quote box.
TPT wrote: I'm using the insurance from my night job. But, when my business gets to the point that I need to leave that job, I will be joining the local chanber of commerce. They offer a group discount on medical and dental.
I'd recommend looking into C of Cs and other local trade groups.
I just scrolled all the way down past the quote and was able to type this in.
____________________
Fred
Intensify.biz Founder
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marksman
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| Joined: | Mon Nov 28th, 2005 |
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| Posts: | 56 |
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Posted: Wed Nov 30th, 2005 10:07 pm |
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Hmm. Still not working for me Maybe because I am using firefox?
TPT wrote:
marksman wrote: That is what I was thinking. Chamber of Commerces and/or any small business associations. Insurance and such are probably my least favorite things to deal with, another reason why I do not want any employees.
On a different subject, is there way to post under the quote? I feel like I am just missing something here, but for the life of me I can't get the cursor to drop below the quote box.
TPT wrote: I'm using the insurance from my night job. But, when my business gets to the point that I need to leave that job, I will be joining the local chanber of commerce. They offer a group discount on medical and dental.
I'd recommend looking into C of Cs and other local trade groups.
I just scrolled all the way down past the quote and was able to type this in.
Last edited on Wed Nov 30th, 2005 10:07 pm by marksman
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TPT
Administrator
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Posted: Wed Nov 30th, 2005 11:59 pm |
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marksman wrote: Hmm. Still not working for me Maybe because I am using firefox?
That's very possible. The WYSIWIG feature of WowBB was designed arounf features from IE 5.5 and higher. I'll check the WowBB support forums to see if they have any advice for Firefox users.
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Fred
Intensify.biz Founder
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imarketing0
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| Joined: | Mon Dec 5th, 2005 |
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Posted: Tue Dec 6th, 2005 02:35 pm |
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I found insurance coverage through an insurance broker. And believe it or not I get excellent coverage for a good price. They work with people who are self employed to help them find the coverage needed at an affordable price.
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marksman
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Posted: Wed Dec 7th, 2005 05:27 pm |
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Did you go to someone who specializes in health insurance only, or were you able to get it through a traditional home,life, auto broker?
I know the licensing requirements are different for all the different aspects, but that sounds like one road to pursue for sure.
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teacup
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| Joined: | Sun Jan 8th, 2006 |
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Posted: Mon Jan 9th, 2006 01:48 am |
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| In the business that I owned, none of the employees were fulltime, so health insurance was not required. It was sort of like an independent contractor type thing. I was already insured under my husband, so it wasn't a problem for me, and my employees were also covered under someone else.
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mom21
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| Joined: | Wed Jan 11th, 2006 |
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Posted: Fri Jan 27th, 2006 09:29 pm |
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| There are lots of insurance companies out there now that sell insurance for individuals who are self-employed or policies for families for people who have no other insurance. We looked at both, and it was cheaper for us to get a family policy than it was to get the policy for the self-employed.
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