Vrste zavarovanj, ki jih potrebujejo samozaposleni

Pošta Vrste zavarovanj, ki jih potrebujejo samozaposleni by Robyn Latchman, CFP, CLU, EPC pojavil prvi na Na bencin. Obiščite Na bencin da bi dobili več odličnih vsebin, kot je ta.

As a self-employed person, you take on responsibilities not only related to the services or products you sell but also for every aspect of running a business. Business insurance covers your day-to-day business operations. What are four types of essential business insurance every self-employed person should consider?

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#1 Commercial general liability: Coverage for claims of third-party property damage and bodily injury caused by your business resulting from negligence or unexpected accidents protect your business. Commercial general liability insurance can include things like injuries or damages to a third party that occurred from your business operations; property or bodily injury caused by a product you sell or supply; allegations of defamation, slander or false advertising; or the cost to repair or replace a property that you are renting or occupy. 

#2 Splošna odgovornost: General liability insurance is coverage that protects against claims for which you and your company could be found liable. For example, if someone gets hurt in your office or spills the paint sample you are showing them on your antique area rug, your general liability policy could help.

#3 Professional liability (Errors and Omissions): Professional liability insurance offers financial protection for alleged negligence or failure to deliver a service as promised. It typically includes coverage for legal costs and damages related to professional services, media, advertising and products that are faulty or cause injury. Professional liability covers lawsuits alleging neglect, misconduct or failure to deliver services as promised, and general liability covers third-party property damage or bodily injury.

#4 Cyber liability: Cyber attacks, data breaches and computer hacks wreak havoc on businesses. Cyber liability insurance covers business systems that are hacked, system repairs and lawsuits. A full cybercrime policy would cover things like loss of funds from cyberattacks, including phishing, hacking, social engineering, data restoration and legal expenses.The main difference between a data breach and a cyber attack is who is covered for the act. In a data breach, the only coverage is for your business. In a cyber attack, your business and others who are affected are covered by the policy. 

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Next Business Insurance

najboljše za

Small businesses with less than 25 employees

Spletna prijava?

Da

začeti
securely through Next Business Insurance’s website

Več podrobnosti

Same Day Coverage?

N / A

Spletna prijava?

Da

1-minutni pregled

NEXT is a business insurance provider dedicated to helping small business owners find affordable, customized policies that fit the unique risks of their industry. NEXT offers a complete suite of the most common business insurance protections that you might need, and you can apply for a policy entirely online.

Getting insurance through NEXT takes less than 10 minutes — simply choose your business type, answer a few questions about your experience and history and purchase coverage. You can adjust your policies and coverage limits to balance cost and protections with just a few clicks. 

Though NEXT’s 100% online model might not be right for everyone, it can be a strong contender for digital natives in search of affordable insurance. 

najboljše za

• Small business owners looking for quick, affordable coverage available online

Prednosti

• Apply for a policy in as little as 10 minutes
• Policies customized to industry type and need
• Discounts available on bundled policies

Proti

• No option for paper policy application
• May need to connect with a representative if your occupation isn’t listed

coverwallet

najboljše za

Start-ups, the self-employed and small businesses

Spletna prijava?

Da

začeti
securely through coverwallet’s website

Več podrobnosti

Same Day Coverage?

Ne

Spletna prijava?

Da

1-minutni pregled

Shopping for business insurance can be a tedious process. It takes time to collect and review quotes and coverage unless you visit CoverWallet. CoverWallet, an Aon company, makes it easy to get quotes from multiple insurance providers.

With CoverWallet, you can start by talking with an insurance advisor or start directly with quotes. You can get quotes from multiple reputable insurers, including Hiscox, Chubb and Progressive. Choose from a wide range of coverage options to protect every area of your business, including workers’ compensation, general liability and commercial property insurance.

Once you decide on your insurance coverage, you can manage your policies through MyCoverWallet. This online dashboard allows you to send copies of your insurance certificates when needed, file claims and pay premiums. It keeps your policies organized and allows you to reach out to an expert at any time.

CoverWallet also offers extensive educational resources. You can review its recommended coverage by industry. You can also dig into more specific information based on your industry, location, number of employees and annual revenue.

The one drawback to the CoverWallet is that it doesn’t have a mobile app. You can still access the site through your mobile browser and you can call any time for assistance. Overall, CoverWallet makes it easy to shop for and buy business insurance, and it’s an excellent fit for small businesses and the self-employed.

najboljše za

• Samozaposlen
• Začetki
• Mala do srednje velika podjetja

Prednosti

• Can get multiple quotes easily
• Can learn about recommended insurance for your industry
• Offers many types of insurance

Proti

• Brez mobilne aplikacije

B2Z

najboljše za

One-Stop-Shop Coverage

Spletna prijava?

Da

Odkrij več
securely through B2Z’s website

Več podrobnosti

Razkritje: B2Z is available in the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, lowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, North Carolina, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin.

Same Day Coverage?

N / A

Spletna prijava?

Da

1-minutni pregled

Tired of buying insurance for your small business the old-fashioned way? Forget about waiting around for that insurance agent to call you back. Now, B2Z has launched a full suite of insurance policies, including cyber insurance, workers’ compensation, professional liability and business owner’s policies (BOP). The B2Z platform uses AI to create personalized coverage just for you—all in as little as 5 minutes.

B2Z offers small business insurance in a language everyone understands. Easy applications, mobile claims and digital quotes are just a few of the ways B2Z makes buying insurance for your business fast and easy. Affordable, too.

najboljše za

• One-Stop-Shop Coverage
• Spletno nakupovanje
• Hassle-Free Cancelation for Old Policy

Prednosti

• User-friendly online portal
• Več izdelkov
• Digitally-based
• Poganja AI
• Data sourcing

Proti

• No phone call needed
• No brick and mortar
• Too fast-paced for some

Hartford

najboljše za

Comprehensive coverage/Business Owners’ Policy

Spletna prijava?

Da

začeti
securely through The Hartford’s website

Več podrobnosti

Same Day Coverage?

Da

Spletna prijava?

Da

1-minutni pregled

The Hartford is a leader in casualty and property insurance. It brings more than 200 years of experience in developing and providing insurance products. The company uses a quote-based pricing scheme to offer insurance in 2 main segments: commercial and personal lines. 

Its commercial segment serves over 1 million small businesses. The personal segment offers only nationally-endorsed home and auto insurance through the AARP® Insurance Program. The Hartford sells its products mainly through a network of independent brokers and agents. 

The company is also a 12-time honoree for the world’s most ethical companies according to The Ethisphere Institute. It delivers the name recognition and reputation of an experienced insurance carrier.

najboljše za

• Those looking for an experienced insurance provider
• Multiple coverage options with 1 carrier

Prednosti

• More than 200 years of insurance experience
• Provides online quotes
• Has a solid financial rating
• Offers a wide range of commercial insurance products

Proti

• Pricing is entirely quote-based

Preprosto poslovno

najboljše za

Prilagojena pokritost

Spletna prijava?

Da

Začnite
securely through Simply Business’s website

Več podrobnosti

Same Day Coverage?

Da

Spletna prijava?

Da

1-minutni pregled

When you’re a small business owner, you have a lot on your plate. Finding the best insurance policies for your business probably isn’t on the top of your list. Simply Business makes it easy to get the coverage you need. It’s a digital small business insurance agency, which means it offers coverage from multiple insurance carriers. 

With Simply Business you can compare quotes and coverage options from multiple companies to determine what’s best for you. Simply Business works with top providers like Hiscox, Travelers and Axis Insurance Company. 

You can get policy options online in less than 10 minutes, and if you need more guidance or have questions, its licensed agents are just a phone call away. 

Simply Business is a great fit for small businesses and sole proprietors. You can look at its recommended insurance options based on the type of work you do, whether it’s landscaping, accounting or photography. 

While Simply Business doesn’t handle your claim directly (the provider you decide to purchase from does), it’s there to help you if you run into any issues. It can get you new copies of your policy documents and help you get in touch with your provider if you need assistance. 

If reviewing or buying business insurance has been on your to-do list, Simply Business is an excellent place to start. You can get a quote while you take a coffee break. 

najboljše za

• Lastniki malih podjetij
• Samostojni podjetniki

Prednosti

• Quick quote process
• Licensed agents to assist you
• Can choose from top insurance providers

Proti

• Brez mobilne aplikacije

Thimble Business Insurance

najboljše za

Samostojni

Spletna prijava?

Da

začeti
securely through Thimble Business Insurance’s website

Več podrobnosti

Same Day Coverage?

Da

Spletna prijava?

Da

1-minutni pregled

It’s not often that you see something new in the insurance space but Thimble has come up with something unique — flexible small business insurance. You can buy liability insurance policies by the month, the day or even by the hour. Even better, you can apply in under 60 seconds. In this Thimble review, we’ll dive into how it works and how it can benefit your business. 

najboljše za

• Handymen, landscapers and contractors
• Samostojni podjetniki posamezniki
• Seasonal business owners
• Freelancers who do multiple types of work

Prednosti

• Flexible general liability and professional liability policy options
• Hiter postopek prijave
• Ability to pause monthly coverage
• High-quality mobile apps

Proti

• Brez podpore strankam 24/7

Are You Required to Carry Health Insurance if Self Employed?

As a self-employed person, you are not required to carry health insurance. You can buy a private healthcare insurance plan or sign up for an Affordable Care Act Marketplace plan. Other types of healthcare insurance could benefit you as a self-employed person.

#1: Accident insurance: This type of coverage protects you in case of an accident. Different options are available; for example, your accident coverage could start paying at 7 days and your illness coverage starting at 90 days. The longer the waiting period the lower the premiums are.  

#2: Disability insurance: This policy replaces a certain portion of your after-tax income if you become disabled or unable to work full-time or part-time. It may pay for a short- or long-term period depending on the definitions in the policy wording. Other policies available can cover your fixed business expenses such as rent, advertising costs and loans.

Contracts vary in the premium amounts you would pay for your policy. Premiums are based on occupational classes, your health, your job, age, riders you choose and the income you are protecting. Insurance companies don’t always calculate your income the same way and don’t use the same definitions. 

#3: Critical illness insurance: If you as a self-employed person purchase this type of policy, you would receive a cash payout from the insurance company in the event of a covered illness. Several types of policies are in the marketplace and like disability insurance, you choose what would work best for you to collect on the policy. Critical illness insurance represents a good way for your business to assist with the unexpected bills and your regular monthly expenses.  

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najboljše za

Podpora članom

Splošna ocena

Preberite pregled

začeti

Več podrobnosti

najboljše za

Podpora članom

N / A

1-minutni pregled

In the past, Aetna health insurance plans were available on Affordable Care Act (ACA) Marketplaces across the country. Though Aetna no longer offers ACA-compliant plans, the company continues to make healthcare more affordable through Medicare Advantage Part D coverage and dental insurance plans.

Aetna’s Medicare options extend to most parts of the country, and premiums for Advantage plans begin at $0 a month. Part D coverage, which helps pay for prescription drugs, begins at about $7 a month in most states. Additionally, Aetna offers dental insurance and dental discount plan options that anyone who doesn’t have dental coverage through their employer can take advantage of. In addition, Aetna also offers a number of additional benefits not seen with other coverage providers, including discounts on prescription drugs and rewards for meeting health goals. 

 

najboljše za

• Podpora članom

Prednosti

• Offers multiple mobile app offerings to reward you for reaching fitness goals
• Dental discount plans may include coverage for prescription drugs
• Medicare Advantage plans available with no monthly premiums

Proti

• Vision insurance only available when purchased with a dental plan
• ACA-compliant health insurance no longer available

najboljše za

Nacionalno pokritost

Splošna ocena

Preberite pregled

začeti
Pokliči zdaj
varno prek spletnega mesta Blue Cross Blue Shield

Več podrobnosti

najboljše za

Nacionalno pokritost

N / A

1-minutni pregled

Blue Cross Blue Shield sestavlja 35 ločenih podjetij, ki zagotavljajo zdravstveno zavarovanje za približno eno tretjino Američanov. Podjetje oskrbuje vseh 50 držav, Washington D.C., Portoriko in številna mednarodna območja.

Medtem ko preučujete podružnice BCBS v vaši bližini, ugotovite, kateri zdravstveni načrti so na voljo, pa tudi stroške zdravstvenega zavarovanja. Ponuja obsežno pokritost, ki daje skoraj vsakemu Američanu možnost nakupa zdravstvenega načrta, povezanega z BCBS. Vendar ne pozabite prebrati več o podjetju, ker premije in odbitne franšize morda ne bodo ustrezale vam in vašim okoliščinam. 

najboljše za

• Želja po novem zdravniku z veliko možnostmi
• Ni omejitve za najvišje letne omejitve
• Celovita pokritost z ekskluzivnimi popusti in partnerstvi

Prednosti

• Pokritost v vseh 50 državah in zunaj države
• Zajema generična zdravila in zdravila pod blagovno znamko
• Široka mreža zdravnikov, bolnišnic in specialistov

Proti

• Načrti, ki jih ponujajo regionalna podjetja, kar pomeni, da se morate za posebne politike obrniti na regionalno podjetje
• Glavna telefonska številka za pomoč uporabnikom je morda težko dosegljiva

najboljše za

Lekarniški programi

Splošna ocena

Preberite pregled

začeti
Pokliči zdaj

Več podrobnosti

najboljše za

Lekarniški programi

N / A

1-minutni pregled

Cigna Health Insurance offers low-cost private health insurance and Medicare Advantage and Supplement Plans for families and individuals. Founded in 1982 and based in Bloomfield, Connecticut, the company offers a wide array of health insurance plans including three Bronze plans, four Silver and one Gold. All Cigna plans are EPO plans, meaning they are all in-network. Free telehealth visits come with every plan and are available to customers 24/7.

The four-metal tier coverage plans include:

• Bron
• Expanded bronze
• Silver
• Gold

Individual and family Cigna private insurance plans are all available on the Marketplace and through the Cigna website, as well as with licensed agents in each state. Because they are sold through the Marketplace, they can only be purchased during your state’s open enrollment period. Special enrollment periods apply for special circumstances.

najboljše za

• Easy access to benefits
• Lekarniški programi
• Savings and spending accounts such as HSA and FSA
• Supplemental plans

Prednosti

• Home delivery for prescriptions
• Health management mobile apps
• Easy ID card replacement

Proti

• Potentially high deductibles
• Ni na voljo v vseh 50 državah

najboljše za

Na voljo kritje isti dan

Splošna ocena

Preberite pregled

začeti
Pokliči zdaj

Več podrobnosti

najboljše za

Na voljo kritje isti dan

N / A

1-minutni pregled

UnitedHealthcare je zavarovalnica, ki si prizadeva izboljšati delovanje zdravstvenega sistema za vse. Njegovi načrti lahko služijo strankam vseh starosti, začenši v otroštvu in nadaljujejo vse do upokojitvenih let. Podjetje sodeluje z več kot 1.3 milijona zdravstvenih delavcev in več kot 6,500 bolnišnicami, da strankam omogoči svobodo dostopa do zdravstvene oskrbe, kjer koli že so. Ta zavarovalnica ima močan finančni položaj in dobre ocene, zaradi česar je zanesljiva možnost za skoraj vsakogar.

najboljše za

• Ljudje, ki želijo fleksibilnost pri svojem zdravstvenem varstvu
• Ljudje, ki želijo dodatno zavarovanje
• Ljudje, ki izpolnjujejo pogoje za Medicare in Medicaid

Prednosti

• Ponuja široko paleto načrtov
• Močne finančne ocene in ocene storitev za stranke
• Na voljo so načrti ACA in ne ACA

Proti

• Niso vsi načrti skladni z ACA
• Spletno mesto lahko oteži pridobitev ponudbe

Do At-Home Business Owners Need Commercial Insurance?

What would happen if you were a wedding photographer, and your job was complete you went to your office to drop everything off and you went back out to run some errands and came back a couple hours later to find out that your home office was broken into? In a case like this, your business would benefit from having standard business insurance policies in place.

Connecting with an insurance broker who deals with several insurance companies can be advantageous so they can help you choose what policies work best for your type of industry.

Risk Factors for the Self-Employed

When you work for yourself, you gain the benefits of being the boss. However, all the risks that come with being a business owner also fall on you.

#1 Missing out on retirement savings: Have you been concerned about missing out on the benefits of company retirement plans? Samostojni podjetniki posamezniki have access to plans they can set up on their own; the three main options include the SEP-IRA, Solo 401(k) and SIMPLE IRA. Each of these has its advantages and disadvantages. 

#2 Not paying estimated income taxes and Federal Insurance Contributions Act (FICA) taxes: As a self-employed worker, you need to keep track of and file federal and state income taxes as well as your Medicare and Social Security contributions. As an independent worker, you need to submit both the employee’s and employer’s portions. 

#3 Skipping life insurance: Life insurance for the self-employed is important for several reasons. If you die prematurely, debts from starting up your business can mount. If you are married, your partner might need to hire someone to take your place to finish up projects that have been started. You might have children and inadequate or no personal life insurance to cover your mortgage, college tuition or funeral expenses. Life insurance can be inexpensive if you choose a term policy. 

#5 Going it alone: As a sole proprietor, working independently is the norm. No one supervises your work and keeps you motivated. 

Pogosto zastavljena vprašanja

Pošta Vrste zavarovanj, ki jih potrebujejo samozaposleni by Robyn Latchman, CFP, CLU, EPC pojavil prvi na Na bencin. Obiščite Na bencin da bi dobili več odličnih vsebin, kot je ta.

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• Source: https://www.benzinga.com/money/types-of-insurance-self-employed-people-need/