Work From Home Resources Blog

Oftentimes, when we think of people who need liability insurance, we automatically think of doctors and lawyers. The truth of the matter is that the word “liability” is defined as being “something disadvantageous.”

Therefore, being that insurance is what protects people in case something unfortunate happens, then when it comes to the question if liability insurance is needed for a home office, the answer is a definite, “Yes.”

Now, let’s get into some of the specifics as to why you need liability insurance for your home office.

First, You Need Business Insurance for Office Equipment

Did you know that over half of all home offices are uninsured? This is mostly due to the fact that many people who work out of their home do so under the assumption that their house insurance will take care of any loss or damage that happens to the equipment that is in their office space. In some circumstances (albeit rare), this may be the case. However, for the most part, home policies do not cover the loss of business records; they only offer around $2,000-2,500 for lost or damaged office equipment, and they do not offer protection for business liability issues (such as a client suing for negligence, defamation of character, etc.). And if you have a laptop, you’ll probably only get about $200 with the current house insurance policy that you have should something happen to it away from home.

There are many kinds of policies to cover these issues, including Homeowners Endorsement (which basically raises the amount of coverage that you currently have), Business Owners Policy Insurance, and Home Office Insurance. Your insurance provider should be able to assist you with answering any of the questions that you may have concerning these.

Then, Get Business Liability Insurance

If you read the news on a regular basis, then you’ve probably noticed that virtually anyone is vulnerable when it comes to a lawsuit. If you work in the media and someone believes that you defamed their character, they may want to file suit. If you’re a personal trainer and a client feels that your training caused them physical harm, they may want to file suit. If you have an advertising agency and someone believes that you violated their copyrights in an advertisement, again, they may want to file suit.

Business liability insurance covers these kinds of scenarios because these kinds of policies protect you from any expenses connected to settlements that were made out-of-court, litigations and also judgments (including court and attorney fees). Liability business insurance also typically covers any physical injuries that may have happened while clients were in your home office or any property damage that may have occurred as well.

Do keep in mind that they usually don’t cover business things like employee injuries or punitive damages and they certainly should not be used in place of auto insurance for your business. You will need to take out a separate auto insurance policy for that. For more information on the kinds of business liability policies that are available in your state, you can visit websites like BusinessInsurance.org or BusinessInsuranceQuotes.com.

Last summer, US News and World Report did an article on how entrepreneurship is at an all-time high (the highest it’s been in 15 years, actually) for people ages 35-44. Sure, the motivation is mostly due to the economy, but with more and more people opting for freelancing and contract work, this also means there are more and more people looking for ways to get health insurance benefits. If you’re one of them, check out some of these health benefit options for freelancers.

We’ll take a look at four health benefit options if you’re a freelancer or do any kind of work [...] Continue Reading…

The job market continues to be difficult to crack for the millions of Americans that find themselves out of work. The economy is improving, but not quick enough to realign the glut of people vying for job openings. Highly qualified people find themselves going up against tons of candidates for every possibility, and recent college grads are struggling to compete against much more experienced applicants.

So what sorts of options are available?

Many people have turned towards ways to make money at home, either as the beginnings of a new small business or a stopgap to pay the bills before something [...] Continue Reading…

Every blogger knows that blogging is a networking game.  You have to write killer content, yes, but that content won’t go anywhere if you don’t know anyone.  And by “you” I mean “your blog.”

While you may be the creative force behind your blog, as it gains mass and momentum, it begins to take on a kind of persona of its own — gurus call this your brand.  Your brand is a representation of your attitude, expertise, and values, and at the end of the day is what interacts with other blogs and bloggers.

Your posts, guest posts, tweets, mentions, e-mails [...] Continue Reading…

Make Your Work Hours Count
If you’ve made the switch from an office job to working from home, you’ve probably discovered some pretty terrific perks. You get to sleep in, you can work in your pajamas, you don’t have to do “team-building exercises.” Still, one thing you may miss about the old nine-to-five is that it clearly started at nine, and clearly ended at five; at the end of the day, you got to go home. One of the biggest stressors on people who work from home is the blurring of this distinction, so that you’re never really off the [...] Continue Reading…

I’m a firm believer that working from home is the new “JOB.” This infographic pretty much confirms it…

Share your thoughts and let me know if you see more people turning to a home-based business to supplement or even replace their current income. I know I do!

Promoting a brand new business is among the major challenges that businesspeople face. For instance, small business marketers have to draw their potential clients towards their unique services or goods. However, they should be able to draw these customers while limiting their expenditure.

Such budgetary concerns may limit their ability to use sophisticated marketing approaches such as television commercials or print advertisements. However, individuals can explore their creativity and formulate cheap and effective strategies for promoting their small businesses. By layering their promotional strategies, they will focus on their campaign and thus channel all their promotional efforts towards building a [...] Continue Reading…

Although there may be any number of reasons why a blog is unable to build readership, gain advertisers, and ultimately become a success, you will have to evaluate your own site in order to determine the particular problems besetting you.

And, there are a few common themes that could be to blame for your inability to move forward with your online endeavor. Some of them are within your power to fix, and others may require outside help.

But, if you’re stuck scratching your head over how to get your blog on track, here are…
5 Main Reasons Success May Have Thus Far [...] Continue Reading…

There are many things to consider when creating a home office. You want to feel comfortable and relaxed, but yet not so much that you find it hard to be productive.

This infographic details everything you should consider when designing a home office. Remember, function is just as important (if not more important) as the look and feel of the room.

P.S. Click on the image to view the original size for an easier read.

Creating the Ultimate Home office

If this is your first time here on my blog, first of all, welcome. Every month I do a detailed income report, showing you exactly where my income comes from. This gives you an idea of the various income streams that are available, as I strongly believe you shouldn’t place all of your eggs in one basket.

This is also a way for me to measure my success (or failure) from month-to-month. Each month will vary in income, and that’s all part of working from home as an affiliate and internet marketer. This acts as a motivator for me to [...] Continue Reading…