Mengejutkan! Fakta Bahar bin Smith Jadi Tersangka Ujaran Kebencian, Sebanyak 11 saksi jalani pemeriksaan untuk mengetahui kebenaran

Starting a new business means fantastic new opportunities. For many people who love pets, providing pet sitting and grooming services is a great way to build a business. But, what type of business insurance do startup pet groomers and pet sitters need? Having proper business insurance is essential. It can help keep your business on track. It also minimizes financial loss to you. Protecting Your Assets The first step in any business is to protect your assets. Business insurance should cover all assets you own or use. This includes the building in which you operate. Do you have specialized equipment for caring for the pet? Do you have an inventory of products to use to care for the pet? Many sitters operate large kennel-style spaces for the animals. These structures need protection. No matter if you rent or own the building, protect these assets. Usually, property insurance is the starting point. Focus on Liability Liability insurance helps cover claims made against your business. And, there are risks here. A pet could suffer an injury during the grooming process. An animal may bite another animal. You may have concerns with the pet during your time caring for it. For example, it may get out of the kennel and suffer an injury. Liability insurance helps minimize any financial loss from these types of situations. It applies when your business could be negligent. Commercial Auto Insurance A fantastic new trend in this industry is a traveling groomer. The pet groomer goes to his or her client’s home to handle the work. This may mean you use a vehicle for your transportation. In such cases, commercial auto insurance is usually necessary. It provides both property and liability insurance. If you get in an accident, for example, it can help cover your vehicle damage. If you cause an accident, it can help cover those liability risks, too. Workers’ Compensation Depending on the size of your business, you may need workers’ compensation. It helps cover your workers if they suffer an injury on the job. They may slip on the wet floor. Or, a dog could bite them. The workers' comp can support the employees during their recovery. State laws may require you to maintain this coverage. If you have employees, it can be a valuable investment. Business insurance for pet businesses should always fit the business itself. What you do, the costs associated with it, and the risks likely to occur need addressing. Your business insurance agent can work with you to create a game plan.

Auto insurance companies use credit scores to determine the risk of a vehicle owner. Those with good credit scores could save money. It is always wise to work to boost your credit score. It could help reduce what you have to pay each month. But, how do you do so? Before you renew your policy, consider these tips. Key Ways to Boost a Credit Score Knowing where your credit is right now is your first goal. Request a free credit report from the credit bureaus. And, use a free service such as Credit Karma(R) or Mint(R) to determine what your score is. Then, apply these tips before renewing your insurance policy. #1: Make Every Payment on Time The most important step in improving credit is to make consistent payments. Applying a payment every month before the due date helps ensure your creditors report your reliable payment history. To avoid missing a payment, set up automatic payments. Most lenders allow this. It applies the amount you want every month on the day you choose automatically. Or, if you write checks, keep a notebook of when you paid each bill, each month. #2: Avoid Applying for Too Much Credit Applying for numerous loans can lower your credit score. It shows lenders you’re desperate for credit. Instead, aim to apply for new loans only one time every two to three months, or less. You will notice these on your credit report as hard inquiries. #3: Work to Pay Down What You Owe Reducing your debt is important. Aim for owing no more than 30 percent of your balance on each account you have. To make this happen, consider these tips: Don’t use your credit cards for purchases. Instead, use a cash system to pay for your bills and to make purchases over the next month. Apply extra payments to your account. For example, if you receive a tax return, bonus, or a gift from someone, use it to pay down your credit. Aim to double, at least, the minimum payment owed. You may need to create a budget to help you do so, but paying the minimum payment extends your debt for years. Your auto insurance company may not need to know these details about debt. But, they do want to know you are a responsible borrower. As your credit score improves, be sure to let your car insurance agent know. It could help you secure a lower rate.

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