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lawmcconnell · 2 years

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Do You Need Business Insurance for the Internet Business?

Business insurance is a thing to consider when you start any kind of business because any kind of business may will need the protection of which insurance provides coming from time to time. An internet business is certainly a little not the same as a traditional brick-and-mortar business because usually, customers don't visit the place of business. Also, most net businesses are home-based, so homeowners' insurance may cover standard business equipment such as a personal computer and related computer tools. So, with a good internet-based business, typically the primary concern is not necessarily protection from loss of tools and materials; nevertheless, even an net business may need many type of insurance protection. There are several types involving business insurance that many businesses just can't do without having. Some of typically the common types regarding insurance for your business contain property insurance, the liability insurance, worker's settlement insurance, malpractice insurance, and legalshield insurance. Of course there are other types of insurance for business proprietors and the employees these kinds of as health, teeth, vision, and life insurance. Researching these different types associated with insurance and examining your own personal situation may help you in order to determine what type involving business insurance you need for your internet business.

Property Insurance Property insurance is usually sometimes required in the event you lease or financial business property. Should your internet-based business is within your home, speak to your homeowners' insurance supplier to find out if your homeowners' policy covers your current business equipment. When it doesn't, plus the value of your own machines are minimal, it may not be inside your best curiosity to get a coverage specifically to handle your business gear and fixtures as you may end up paying more in insurance premiums than what your business equipment and features are even well worth. On the some other hand, if an individual have expensive business equipment in your home office, you may want to insure it towards damage or loss. Liability Insurance Liability insurance is a form of business insurance that will any business may require, even an internet-based business. Liability can easily arise from just about any type of business. In case you provide goods or services to consumers, or still to other businesses, there is always a possible for liability. Analyzing your risk is usually the best approach to evaluate if or even not you need liability insurance intended for your business. Worker's Compensation Insurance Worker's compensation insurance is required for the majority of businesses that have got employees. Yet , the particular requirements may fluctuate coming from state to state. For instance, throughout some states, you are not required by law to get worker's reimbursement insurance unless an individual have three or perhaps more employees. Worker's compensation insurance will be the type of business insurance that will pay medical expenses and even lost wages with regard to employees who will be damaged on the work. Whether it is definitely required by law intended for your situation, for those who have any employees by any means, purchasing worker's compensation insurance will lessen your potential legal responsibility if an employee is hurt upon the job. Negligence Insurance Malpractice insurance is necessary intended for businesses that provide expert services such which often require licensing. Specialized liability insurance is another term used with regard to negligence insurance. This is necessary for businesses that provide providers for example counseling, health care services, architectural companies and so forth. Prepaid Legal Insurance Pay as you go legal insurance features become quite well-liked in recent times. It is usually an insurance coverage that covers lawful expenses such because attorney fees. Many individuals and organizations alike discover that prepaid legal insurance is actually a safety net that will is desirable because if they require legal assistance, they will not have to get worried about the retainer fees and expensive bills from lawyers. If you find that you usually have to pay out attorney fees intended for one reason yet another, prepaid legal insurance could possibly be an choice for that you consider.

#insurance

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simonsenkirkpatrick · 2 years

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Do you really need Business Insurance to your Internet Business?

Business insurance is some thing to consider whenever you start any business because any kind of business may require the protection that will insurance provides by time to moment. A web business is usually a little totally different from a traditional brick-and-mortar business because normally, customers don't go to the host to business. Also, most internet businesses are home-based, so homeowners' insurance may cover basic business equipment like a personal computer and even related computer equipment. So, with a good internet-based business, typically the primary concern is usually not necessarily protection from loss of gear and materials; even so, even an internet business may require some type of insurance protection. There are usually several types of business insurance of which many businesses merely can't do with no. Some of typically the common types involving

insurance for businesses incorporate property insurance, the liability insurance, worker's settlement insurance, negligence insurance, and mylegalshield insurance. Of course additional types of insurance for business owners and their employees such as health, teeth, vision, and lifestyle insurance. Studying these kinds of different types associated with insurance and inspecting your own personal situation may help you in order to figure out what type associated with business insurance a person need for your net business. Property Insurance Property insurance is sometimes required in case you lease or financing business property. If your internet-based business is at your home, speak to your homeowners' insurance provider to find out there if your homeowners' policy covers the business equipment. In the event that it doesn't, as well as the value of your current equipment is minimal, it may not be within your best attention to get a coverage specifically to deal with your business equipment and fixtures since you may end up paying more in insurance premiums than what your business equipment and fittings are even worth. On the additional hand, if a person have expensive business equipment in the home office, you may have to insure it in opposition to damage or reduction. Liability Insurance Responsibility insurance is a kind of business insurance that any business may require, even an internet-based business. Liability can easily arise from almost any type of business. In the event you provide goods or services to consumers, or still to be able to other organizations, you can a potential for liability. Weighing your risk is usually the best way to evaluate if or not you require liability insurance regarding your business. Worker's Compensation Insurance Worker's compensation insurance will be required for many businesses that have employees. Yet , the particular requirements may differ coming from state in order to state. For instance, throughout some states, you aren't required by regulation to obtain worker's payment insurance unless a person have three or even more employees. Worker's compensation insurance may be the type of business insurance that will pay medical expenses and even lost wages regarding employees who will be hurt on the task. Whether or not it is required by law for your situation, when you have any employees whatsoever, purchasing worker's settlement insurance will decrease your potential legal responsibility if an worker is hurt in the job. Malpractice Insurance Malpractice insurance is necessary for businesses offering specialized services such which usually require licensing. Professional liability insurance can be another term used for malpractice insurance. That is necessary for businesses that provide solutions for example counseling, health-related services, architectural solutions in addition to so on. Legalshield Insurance Pay as you go legal insurance offers become quite well-liked in recent times. It will be an insurance plan that covers legal expenses such since attorney fees. Several individuals and companies alike discover that pre-paid legal insurance is actually a safety net that will is desirable since if they want legal assistance, they will not have to get worried about the retainer fees and costly bills from attorneys. If you discover that you usually have to pay attorney fees with regard to one reason or another, prepaid legal insurance may be an option for you to take into account.

#business insurance

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myblckcty · 2 years

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Join My Black City in Celebrating and Supporting LegalShield Independent Associate | LaMar Edwards Jr.. We Shine Brighter Together. #MyBlackCity https://myblackcity.org/legalshield-independent-associate-lamar-edwards-jr/?feed_id=17889 >> >> Offering Professional Legal and Identity Protection Services. As well as looking for some sharp entrepreneurs interested in immediate income opportunities!

#Directory

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cdigitalss · 2 years

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PPLSI Partners with Financial Wellness Company Best Money Moves

PPLSI announced a partnership with Best Money Moves to help reduce the financial stress associated with the cost of legal and identity theft protection services for its employees. LegalShield and IDShield will now become part of Best Money Move’s benefits and member offerings through its Benefits Partner Marketplace. “Employees are a company’s most valuable asset and providing these benefits to…

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davedocrogers · 4 years

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As a landlord during this pandemic, you may have tenants who can’t pay rent due to job layoffs. How can you be a good landlord while still providing for yourself? We’ve got some tips for you: https://bit.ly/2yFsRoj #LegalShield #Coronavirus #legalprotection #smallbusiness Become a #member or #associate or get #moreinfo: daverogers.wearelegalshield.com https://www.instagram.com/p/B_Z_CBKBSTR/?igshid=pp78ws0zxlnk

#legalshield #coronavirus #legalprotection #smallbusiness #member #associate #moreinfo

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services993-blog · 3 years

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jeritaylorswade · 4 years

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DSA: Direct Selling and the Virtual Push because of COVID

“ Like most people, direct selling executives are crossing out travel and large in-person gatherings from their calendars. For an industry known for its relational appeal, eliminating the face-to-face factor should be crushing. But instead, many executives are reporting that they feel more connected to their teams than ever before and are experiencing record engagement.”

“I’ve been involved in more field events in the last two months than I have been since I started the company in 2014,” says MONAT President Stuart MacMillan. Connecting virtually has become part of the daily workflow for MacMillan and many direct selling executives like him, as their teams and distributors take part in trainings while experiencing the benefits of connecting from home for both small- and large-scale events. “I still don’t believe there’s any replacement for face-to-face, and our people are itching to get back together—both employees and the field,” MacMillan says. “But I think what we’ve learned is that between those opportunities to get together, there are better ways to do this.”

Increasing Engagement with Function and Fun

This shift to virtual has opened the event doors wider, allowing people who would normally be limited by family obligations or financial flexibility to participate. For SeneGence Founder and CEO Joni Rogers-Kante, virtual events have drastically impacted the company’s attendance numbers. “Only a percentage of distributors go to our events, and ours was never a huge percentage,” Rogers-Kante says. “But we have five times more distributors than we have ever had at a single seminar because it was online, and they just got to sit down and login.”

The SeneGence virtual event sought to emulate a lot of the function—as well as fun—of a live event by passing out virtual awards that instantly appeared across social media channels as names were announced, conducting drawings and shipping prizes to distributors’ houses. While their next company-wide in-person event has been postponed, the SeneGence team is already implementing plans for a conference that will take place in Tulsa. “We think it will be the largest event we’ve ever had because people are so excited to get back together, and we have so many new distributors who can’t wait to actually physically show up at a SeneGence event. We just know it’s going to blow everything we’ve done out of the water.”

“We have five times more distributors than we have ever had at a single seminar because it was online, and they just got to sit down and login.”—Joni Rogers-Kante, SeneGence Founder & CEO

10 Cents on the Dollar, 10 Times the Reach

Twenty-four hours after a recent Mannatech virtual live event, the entire 12-hour event was available for replay. The 6,500 unique visitors, representing a ballpark of 8,000 to 12,000 viewers who watched the virtual event live, quickly multiplied as people shared the content and participated after the event had ended. A traditional Mannatech event hosts 1,200 to 1,500 people.

“For one-tenth of the expense, we were able to connect with six to ten times the number of people we would have connected with,” says Mannatech CEO and President Al Bala. And although event product sales were one-third of the normal amount, Bala says it was offset by the savings in product transport to the event and the convenience of shipping it directly to consumers’ homes. “It was more efficient and definitely more profitable sales than we would have had normally.”

“Even though we aren’t all together, we see you!”

“Going virtual” has a simple ring to it, but executives in the driver’s seat know the challenging behind-the-scenes experience of sifting through broadcasting options and platforms. Arbonne, who planned to launch 13 new products at their live convention this year, suddenly had only a fraction of their usual preparation time to devise communication strategies that would build excitement while playing well through the screen. Social media, which has always assumed a role at Arbonne events, was now critical, and the company leaned hard into these social integrations. To allow the executive team space to focus on engaging with attendees through the chat function, much of the content was prerecorded.

“Virtual GTC 2020 was created in about four weeks, and because of the incredibly pressing deadline, we absolutely learned as we went,” says Arbonne Senior Director of Communications Kristen Gruber. Gruber’s social media team developed teasers, quizzes and other interactive content that posted throughout the event. “This provided a level of engagement to our audience to really say, ‘Even though we aren’t all together, we see you!’”

Despite the fog of uncertainty during the first few weeks of the stay at home orders, LegalShield dove headfirst into creating virtual experiences and may have been the first direct sales company in North America to pivot to an entirely live-streamed international convention on April 4. When it became clear that their planned live event would not take place, the company transformed the auditorium in their Oklahoma headquarters into a full studio with only three weeks’ lead time. From there, they offered 16 hours of training content and recognition from over 40 field leaders and live hosts to more than 10,000 viewers. In addition, more than 5,000 associates joined their two-day Zoom Breakout Trainings before the larger event.

“For one-tenth of the expense, we were able to connect with six to ten times the number of people we would have connected with.”— Mannatech CEO & President Al Bala.

“Our field leaders are extremely creative in using Zoom as a recruiting and training platform,” says LegalShield Network Division President Don Thompson. “They use breakout rooms to host associates and their guests after a presentation for a Q&A session and for associate interaction.”

To not only survive, but thrive in this unprecedented environment, LegalShield’s CEO Jeff Bell has cast a vision for the company as a “digital disruptor” who uses technology to fulfill their company’s mission. The focus for the company is not on their limitations, but rather on how they can innovate and improve and use the tools available to spread their message and keep the field engaged and excited. “We are not at the level of Netflix or CBS,” Bell says, “but we are getting smarter and more successful in producing engaging content.”

As companies expand their live-streams to their international markets, the existing cultural and language barriers will have to be considered. Elepreneurs Chief Impact Officer Garrett McGrath, who also serves as President of the Association of Network Marketing Professionals, is watching as these virtual events begin to take shape on a global, multi-lingual scale. Although these broader events are more complex, McGrath is encouraged by the existing platforms that can do the heavy lifting for the direct sales industry.

Vimeo, a tool the ANMP relies on for its broadcasts, is paired with remote translators who use the Interactio app—which McGrath describes as a flawless application—to tap into the livestream and recreate the content in their listeners’ language.

“All you have to have is a good originating broadcast quality, and that becomes the place from where everybody views the actual convention, even though we’re bringing people in from all over the world,” McGrath says.

Caution: Challenges Ahead

Everyone is more than eager to get back to normal and industry leaders are at the front of the line, hurriedly trying to recreate their office environment from thousands of satellite home offices scattered across the globe where their leaders live and now work. But as the world has quickly discovered, working separately but together has come with its own set of unique challenges, and large virtual events are not immune to these foibles.

Security has been a hot topic for Zoom users (LegalShield reported instances of “Zoom Bombers” during their first few training sessions before password protections halted any further disruptions), but for other, more complex broadcasting platforms, hacking isn’t as much of a concern. The security concern, according to Katapult Events President Erik Johnson, should be privacy. “I wouldn’t put anything out on a stream that you wouldn’t want the world to see,” Johnson says. “Someone at home is likely recording it whether you want them to or not, and it’ll be on YouTube by the end of the day.” For companies who live and die by FTC compliance, it’s a stern warning for leaders. Even if a distributor thinks they’re in a private virtual room with only top-tier leaders, there is great potential that their words will become public.

“Our field leaders are extremely creative in using Zoom as a recruiting and training platform. They use breakout rooms to host associates and their guests after a presentation for a Q&A session and for associate interaction.”— LegalShield Network Division President Don Thompson.

There will also be a fluency issue for older distributors who aren’t used to virtual interactions and for whom these new changes will require a steep learning curve. “I feel sorry for companies that are older and already have their culture set in stone because they’re going to have to switch at some point to this,” RevitalU CEO Andrew McWilliams says.

Even though virtual events are notoriously less expensive than their in-person counterparts, going too cheap can be very obvious. “A lot of people think they can just hop on Zoom and be fine,” says Johnson, who now produces SeneGence’s virtual events. The result of a frugal presentation, however, is fuzzy resolution, glitchy streaming and a visible mouse pointer on shared screens—not the high-quality presentation multimillion- and multibillion-dollar brands should attach their names to.

For the April SeneGence virtual event, Johnson utilized Vimeo for live streaming at the Enterprise level and set up studios at the Oklahoma and California SeneGence offices. With his crew and all of their gear at both locations, they connected the two offices live on camera for a high def broadcast that looked like prime time tv.

As physical events reemerge in the months to come, Johnson warns that virtual events should never be just a recorded version of the live event. Instead, he encourages leaders to plan for physical and virtual hybrids. For example, his crew is building a side stage that is reminiscent of the ESPN Sports Desk for the host of the virtual watch party at one of his client’s upcoming in-person events. Even though one large event will be happening, two different audiences with different attention spans will be watching. By having a dedicated host, he’ll be able to accommodate both.

Facebook Live Fright

As leaders who are used to delivering speeches from stages in loud rooms begin broadcasting from their kitchen table or home office to an audience they can’t see, they’re discovering that stage fright and Facebook Live fright are two different fears and require two different skill sets.

McGrath described his feelings about hosting an eight-hour live event as somewhere between nerve-wracking and exciting. He and wife Sylvia, Elepreneurs Chief Experience Officer, introduced live speakers and announced prerecorded segments and then watched comments and emojis unfold in real-time over an eight-hour stretch.

The stamina required to create these engaging content segments back-to-back for that length of time is similar to expecting sprints in the middle of a marathon. “The biggest concern you always have is: can you keep people’s attention for 12 and a half hours?” Bala says.

But it’s not just the audience’s attention that leaders are concerned about. “I don’t think you can underestimate what it does to the speaker’s energy to talk to a crowd,” Bala says. “When you’re a speaker, it engages you at a different level. You can’t replicate that virtually.”

An Attention Shift

Change can be a dirty word in an industry rooted in tradition, and that’s why McWilliams is choosing to embrace this time of disruption. As people readily accept digital platforms out of necessity, McWilliams says this temporary shift to virtual will now be permanent for his young organization. “I’m never going back,” he says. “It has been the most cost-effective thing we’ve ever done.” In April, RevitalU experienced double-digit percentage growth over March. After their first major virtual event on May 2, the company was up almost 55 percent over April by May 7. “It does not feel like a blip on a radar screen,” he says. “What it feels like is a shift of attention.”

These live virtual events with openly visible comment boxes bring with them a lack of control, but the effect, McGrath says, is unparalleled. “We were very aware that people don’t want a presentation; they want a conversation,” he says. “There’s a risk with a conversation because you don’t know what the other person is going to say, but that’s why people show up: because it hasn’t gone through the corporate whitewash and hasn’t been overly sanitized. It’s spontaneous and real.”

“We were very aware that people don’t want a presentation; they want a conversation.”– Garrett McGrath, Elepreneurs Chief Experience Officer

In the short term, physical events aren’t possible, but even when the restrictions from the global pandemic are lifted, some executives are expecting a slow return as people remain gun-shy about close social interaction and even handshakes. McGrath says the question of when things will go back to normal is the wrong question. “The real question is, between now and then, can we document a plan that people can rely on as proven to work today?”

Is Virtual Really a Success?

There is no industry-wide metric for success when it comes to this new switch to virtual. Still, as many leaders face pent up demand and anxiety swirling around the new normal that has been thrust upon them, the measurement for success will depend upon each company’s specific goals and missions.

For affiliate-focused companies, comment engagement on a Facebook Live event could provide a gauge for distributor reach. Many executives are now reporting a sharp increase in sales during and after virtual events—when distributors would usually be socializing or traveling home—and are using that as their new benchmark for success.

Virtual can’t mimic the adrenaline rush of a packed arena, but industry leaders are approaching this new playing field with cautious optimism. For now, there is convincing emerging data that pivoting to virtual is doing little to harm the health of direct selling companies, and might actually be making a once-in-a-lifetime paradigm shift that offers a glimpse into where the future of the industry might be headed.

“This is here to stay,” Bala says. “It’s just going to become another tool in our toolbox to create that engagement with our associates and for associates to create engagement among themselves.” DSN

VirBELA: The New Virtual Headquarters

Virtual events may be booming, but it will be finding ways to digitally recreate the ordinary daily interactions that will be key for direct selling to weather this storm of isolation and uncertainty. RevitalU has found its solution through VirBELA, a technology platform that allows companies to create a virtual headquarters. With VirBELA, people can come together formally for events, like a conference room where they’ll hear keynote speakers, as well as informally, like in virtual hallways between sessions where they can start up casual conversations.

Through avatars and multi-dimensional rooms, users can interact digitally in a personal way that doesn’t create the Zoom fatigue that comes with endless video chats. “It gives you autonomy to interact with whom you want to interact with and go where you want to go,” says VirBELA Founder and President Alex Howland, Ph.D. “When you read a book, you’re not paying attention to the black and white words or pages; you’re getting immersed into the book. The same thing happens with VirBELA. Your brain starts to feel like you’re physically in the room with colleagues.

Glenn Sanford, eXp Realty Founder and CEO, has been using VirBELA as his company’s virtual campus since 2016. During that time, he grew his number of agents from 900 to 29,000 from the virtual headquarters that he mans from the casita over his garage. In April of this year, his success with the virtual platform led him to join the VirBELA team as the company’s Chief Strategy Officer so that he could extend his knowledge and experience with simulated campuses to other business leaders navigating these unprecedented waters.

Sanford offered advice to McWilliams, one of the newest CEOs to become an adopter of the VirBELA technology, by explaining that the simulated campus will only work if McWilliams insists that people meet him in his virtual Planet RevitalU office, rather than picking up the phone. “We have an office, and I don’t care if it opens back up,” McWilliams says. “We’re going to make the physical office voluntary. For our business practices and working together, it’s going to be done online.”

Virtual Event Tips

Take your virtual event to the next level with these tips from production expert and consultant to the direct selling industry, Erik Johnson of Katapult Events.

“How good your first event is will determine if they buy your next.” — Erik Johnson, Katapult Events President

Forget Zoom. Use Vimeo to live stream.

Prerecording some content eliminates the potential for user error, streamlines transitions and trims the boring out of stories.

Use permissions to put events and event extras behind paywalls or passwords. Erik uses Phinkific.com to preserve special VIP treatments, like a Q&A with the keynote speaker, for specific distributor ranks and above.

Hire a professional. Picture-in-picture, title animation and HD screen shares matter.

Show others what they’re missing. Even if you’re charging for a virtual event, share a short segment onto Facebook Live for things like new product announcements. At the end of the segment, offer viewers the opportunity to buy access to the rest of the event. It’s a double bang for your production buck and a quick upsell.

Everything has to be faster. What might have taken you four minutes to say on a live stage, should take you 90 seconds when speaking to a virtual audience.

Shoot with two cameras. A simple wide shot and a close up will give your broadcast movement and will be more likely to hold attention.

A high-quality mic is just as important as good video. If they can’t hear you well, they will leave.

Don’t be afraid to hire an outside emcee. Professional talent can take your event from stagnant to funny, drive the energy of the show, and be in charge of throwing it to different hosts—chief executives, distributors—to keep the show moving.

Rehearse, rehearse, rehearse. Get rid of the extra stuttering and “um” sounds and give your team the chance to feel the flow of the event.

Double-dip your filming days. When broadcasting virtual events, you’ll likely have the members of your executive teams and an elaborate, staffed studio all in one place. Use this opportunity to film upcoming product launches, expand your expert interviews and update your opportunity presentation.

Five Ways to Simplify Your Pivot to Virtual

Don’t confuse virtual with automated. Even though there are no smoke machines and spotlights, this is not a set-it-and-forget-it type of environment. Building an interactive experience is key to getting virtual events right.

Prepare your team. Expect worst-case scenarios and plan how they’ll be addressed on the spot to protect your brand.

Choose your comment comfort level. Instantly visible, unfiltered feedback may complement the tone of a keynote address, or it might exacerbate the awkwardness of lackluster attendance. Pick an audience participation level that matches the event vibe.

Tap into existing partner platforms. Seamlessly charge registration for large events and automatically capture potential customer contact information. (Eventbrite, PayPal, Pardot and HubSpot are good leads for these functions)

Deliver an in-person experience. Pick two or three elements of your usual in-person events that can be creatively replicated while apart. If distributors have come to expect a lavish lunch break at events, send restaurant or food delivery gift cards to registrants ahead of time. These small gestures will build community while making a memorable impact.

#SeneGence goes Virtual #DSA #direct sales #direct selling #directsales #direct marketing #senegence distributor #joni rogers-kante #Zoom #virtual meetings #Jeri Taylor-Swade #cuppa with the queen

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