Finding Insurance for the Home Based Business Owner
A Home Business Article Contributed by Cassandra l. Keller
Finding Insurance for the Home Based Business Owner
Being a home based business owners has plenty of perks. There is no boss hovering over your shoulder, time clock to push or disgruntled co-workers to cope with. One thing, however, that is often missing is health insurance benefits and you may even need a special type of insurance because your business is home based.
Where the Home Based Business Owner Should Start Their Search for Health Insurance
Just because you are a home based business owner does not mean you have to go without health insurance. Luckily, there is insurance available to home based business owners and it is affordable.
When searching for health insurance, the home based business owner should check with their local chamber of commerce, the Small Business Administration, Better Business Bureau. Often these organizations can provide key information regarding insurance for the business owner. Home based business owners will also want to check with other small business groups in their area as well as the association they are affiliated via their chosen industry. Sometimes, such associations offer group health insurance to its members.
Other Insurance Available to Home Based Business Owners
While health insurance is the most commonly needed insurance, home based business owners may also want or need additional insurance. Some other insurance policies to consider are income replacement insurance, in-home business insurance, and additional automobile insurance (for those using their personal vehicle for their business).
There is also content insurance, general liability insurance, errors and omissions insurance, completed operations coverage, business interruption insurance, product liability insurance, professional liability insurance, malpractice insurance, to consider.
To learn more about these types of insurance and other insurance needs, contact the Information Institute at www.iii.org or call the National Insurance Consumer Hotline, (800) 942-4242.
Depending on the insurance you need for your home based business, you may be able to purchase it through the same company that insures your automobile or home.
Digital Insurance: a Valuable Tool for Home Based Business Owners Seeking Insurance
Once you have determined the type of insurance you need for your home based business, you may want to turn to Digital Insurance for further assistance.
Digital Insurance (www.digitalinsurance.com) allows its customers to receive quotes and compare insurance plans. Home based business owners can also apply for and purchase health insurance policies on-line.
If you prefer to speak with a licensed health insurance professional, contact the Digital Insurance call center at (888) 470-2121. Home based business owners can also chat with a licensed health insurance professional by visiting the company's Web site.
Digital Insurance also offers medical plans and short term medical plans in 42 states. Additionally, it offers small group health insurance in the states of New York, California, Texas, Ohio, Michigan, Illinois, New Jersey, Pennsylvania and Georgia.
Small group coverage, in general, is defined as two employees or more. This can include the business owner and a spouse or additional individual on the payroll.
Home Based Business Owner Beware When Purchasing Insurance
Lastly, the home based business owner should check and check again when purchasing insurance. Be sure to compare as many insurance plans as possible before settling on a company to fulfill your insurance needs.
