In today's telecommuting age, more people are creating a home based business environment to manage their time and money better. A study was recently done that showed that telecommuters are able to increase the productivity by 15 percent and save their employers in reduced absenteeism and job retention costs. But working from home doesn't mean that you will not come across problems that normal business do. Just like business buildings can be broken into and computer equipment, software, and other valuable equipment can be stolen.

What should you do to best protect yourself and your business? First, remember that basic property insurance does not protect you from liability and property damage.

Basic property insurance policies usually cover losses caused by fire or lightning, the cost of removing property to protect it from further damage, and perils such as windstorms, hail, explosions, riots and civil commotion, and damage caused by aircraft, automobiles or vandalism. You can also purchase optional coverage from some insurance companies that will protect your property from damage due to earthquakes and flood damage, building collapse, and glass breakage.

Next, take an inventory of your office and determine what additional coverage that you will need to insure your home-based business. There are many insurance programs available through self-employment organizations or you can contact your local Chamber of Commerce. You should also contact the insurance company that you have your homeowner's insurance to see about any additions you need to insure your home-office property.

If you have any of the following in your home office, you should consider getting insurance coverage:

• Furniture, equipment and supplies
• Inventory
• Money
• Records of accounts receivable
• Machinery
• Data processing equipment and media (including computers)
• Valuable papers, books and documents
• Automobiles, trucks or construction equipment
• Satellite dishes
• Signs, fences, and other outdoor property not attached to a building
• Intangible property (good will, trademarks, etc.)
• Leased equipment

Sit down with your insurance agent or find an insurance agent who can help you with reviewing the types of property that you own and how they are used. Some of these items will be covered in your basic homeowner’s insurance policy. Others can be covered easily by adding a rider. And some things like money and securities may not be covered by a standard commercial policy and may require a second, separate policy. Better to be safe than sorry and have the coverage that will protect you.

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Airbrush tanning questions

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Hi all. Do what you feel in your heart to be right - for you'll be criticized anyway. You'll be damned if you do, and damned if you don't.
I am from Republic and also now am reading in English, give please true I wrote the following sentence: "The pendant was bathed by theodore a."

Best regards 8), Airbrush tanning questions.

Tuesday 13 October 2009, 10:39

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