So … you know how I have mentioned my business BFF, Melanie Moore, a few times here on the blog? Well, she has been after me to blog about this topic for a long time because she believes it is a resource that every direct seller needs, whether you have been in the business 10 days or 10 years. I will be honest, I kept pushing back on her about writing about this because it is totally out of my norm for this blog, it is something I am not an expert in, and truthfully it is a little depressing talking about insurance and accidents … but here comes a #truthbomb – “sometimes bad stuff happens to good people”! I want nothing more than to share an awesome resource that could help you should any of that bad stuff happen to you, something that will protect the well-being of your family & your personal family finances!
So here we are, I am going to do it!
We are going to talk about getting BUSINESS INSURANCE for your direct sales business!
YES, such a thing does exist!
YES, you can get it quickly and easily!
YES, you need it!
Why You Need Business Insurance:
Times have changed, my friends, and if you do not have insurance coverage for your business, you should! You are entering people’s private homes, what if you knock over the Hostess’s prize possession with your bag? Or you are carrying-pulling-dragging products, tables, garment racks, and shelving units into vendor events, what if you take out another vendor’s table or worse, hit a child with one of your poles as you blindly walk in carrying more than you should because you are trying to minimize your trips in and out to the car? And with the Spring vendor event season upon us, I have noticed more and more venues requiring “proof of insurance” in order to participate. Do you have proof of insurance for your business? Most home owner’s policies DO NOT cover your business.
I know, I get it, “but that would never happen to me”. But that’s just it, it DOES happen to people like us every day. You need to think proactively for your business and be prepared for the “what if”, just like you do for your home, your health and your cars. Insurance exists to cover the unknown and the accidents.
I am sure you can connect with your own local insurance provider and get quotes, but I went with an insurance company that was referred to me. Just so you know, I do not get any kick backs for this, I just want to provide you with information and a valuable resource that I have found to get you & your family protected!
This insurance company specifically caters to direct sellers and understands our language, that is what I like about them. For only $75 a year, you get $2 million in general liability insurance for your business (including property and bodily injury), plus $3,000 for property coverage (including products and samples). I have looked into other options and for me, this is the best deal.
Printable Insurance Certificates for Events:
But here is what I love the most about this company, the printable event insurance certificates! I can download and print them myself anytime I need to provide them for an event (I just bring it with me to each event). Other companies require you to request a certificate and then you wait until they send it, some charge you extra to print a certificate, but with this company, I can just go print it on my own whenever I need it. They have been a Direct Sales Association Supplier for 27 years, which is quite impressive. And I know that they offer health insurance for Independent Contractors too, but I have not looked into that yet myself, you can check it out on their website.
When you apply for coverage from them, you will have to choose your company from the dropdown menu, they cover A LOT of companies, but not every company out there. A quote from their FAQ page says, “Because we must look at the nature of the product being sold, we must qualify all direct selling companies. When you enroll you need to select from the approved list of companies the one you represent. If your company does not show up on our list then our insurance carrier has not approved issuing a policy to cover your activities on their behalf. We cannot write policies unless your company is on the approved list of companies. Remember coverage will only be for you as a sale representative for the company you register for as an authorized representative.”
Do Your Own Research:
I invite you to check out getting insurance specifically for your business, the truth is …. when you are working with tons of people, taking credits cards and cash, carrying things in and out of locations … you just never know what is going to happen. I am not claiming to know everything about everything when it comes to business insurance, but I can tell you for certain that for $75 a year, it gives me enormous peace of mind that my family is protected from loss. You will need to do your own due diligence and research what is best for your family.
Here is the company we are referring to in this article: http://www.independentdirectsellers.org/
Power Hour Business binder for your direct sales business!
This binder is for ALL companies & all direct sales consultants.
Are you ready to take control of your business in 2018?
Order your business binder today and finally get a SYSTEM to work your business in 20 minutes a day:
- Track Past Hostesses
- Track current monthly hostesses
- Track hostess coaching steps
- Track new consultants who join your team
- Track your fiscal year sales, parties, and recruits
- 20 minutes of booking: and tons of ideas to jump start you!
- 20 minutes of recruiting: and tons of ideas to jump start you!
- 20 minutes of customer care: and tons of ideas to jump start you!
- 20 minutes of hostess coaching: and tons of ideas to jump start you!
- 20 minutes of social media: and tons of ideas to jump start you!
- …and so much more!
When you purchase these printables, you’ll be getting three training videos to teach you how to build your binder, use every sheet effectively, and ROCK YOUR BUSINESS in 2018!
Order your binder by clicking the button below. For $40, you get all 15 printable PDFs and 3 training videos with tons of tricks and tips to help you rock it!
Click the JOIN button below to join your training and support group and get access to your files:
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As we go into the New Year, one thing you should do is get control of your email.
Having an inbox full of messages, read or unread, is a time sucker. It not only wastes time, but it can also:
- decrease productivity
- cause you to miss important messages
- cause stress and anxiety
- waste time searching for important messages
- decrease your customer service (because you’re simply not staying on top of it)
- decrease bookings (oh, didn’t see that someone wanted to book a party)
…and so much more.
So what can you do about it?
- Set aside one hour a day until you have gone through every single message and either deleted it or put it into a folder. CLEAR YOUR INBOX.
- Start unsubscribing to every single email from stores, newsletters, and other unnecessary emails you get that you’ve been subscribed to all year long. Don’t just DELETE them, UNSUBSCRIBE so you stop getting an abundance of those on a daily/weekly basis.
- There’s also a site called Unroll Me (click here: https://unroll.me/ ). This site will link to your email and allow you to mass unsubscribe from everything you’re subscribed to.
So who’s with me?
Let’s get organized! More New Year’s tips coming your way soon!
Want more tips? Join us over on Directly Social. CLICK HERE: https://www.facebook.com/groups/directlysocial/
Melissa Fietsam @DirectlySocial
I’m giving away an entire month’s worth of posts EVERY MONTH!
FYI…these posts expire in two weeks! So you better grab them quick!
CLICK HERE to join Directly Social…
and get these links every month for FREE! I just posted your December customer group posts!
All you have to do is have a Cinchshare account and you will have access to this entire month’s worth of posts!
If you don’t know what CINCHSHARE is, check it out here: LEARN ABOUT CINCHSHARE
You can schedule an entire month’s worth of posts for December in your customer groups!
The days are themed for:
- Monday Funnies
- Tuesday Engagement Posts
- Wednesday Inspiration
- Thursday Holiday Crafts and fun
- Friday: FREE DAY! You should be posting a product spotlight on something you have. Take a personal video (3 minutes or less) or photo and show how YOU use something you sell
CLICK HERE to join Directly Social…
and get these links every month for FREE!
To sign up for Cinchshare click here: CINCHSHARE (you’ll need to join to get access to those links/posts)
Want a TON of November theme party ideas?
How about some free Facebook party BANNERS?!
I have a pretty awesome group of friends over on Directly Social, and they came up with all of these theme ideas for your month of November! You can use these as themes AND posts within your parties!
And if you want some FREE Facebook Party Banners,
join us on DIRECTLY SOCIAL ON FACEBOOK
Here’s some ideas they came up with for November to inspire you a little:
Sweaters and hoodies
Pumpkin Spice & everything nice
Thanksgiving Crafts with kids
No Shave November
Hunting Season-single wife
Traveling for Thanksgiving
Macy’s Day Parade
Small Business Saturday
Thanksgiving foods: green bean casserole, cranberry sauce, turkey, rolls, pumpkin pie
Canned Food drives
American Diabetes month
Putting up Christmas Tree after Thanksgiving
Hot drinks, hot chocolate, cinammon
Christmas decorations after Thanksgiving
Warm blankets and cozy sweaters
Baking cookies and food
What type of party can you use a theme for?
ANYTHING! Whether you’re doing home shows, online parties, fundraisers, BINGO nights, or even straight retail orders…it doesn’t matter. The problem is everything is BORING! Same old stuff on a different day. Using a theme can help pique some interest and attract new customers as well as engage your current customer base.
Don’t forget to join our Facebook group!
So how do you use a theme?
So, think about it as if you’re planning an actual party. You plan:
You would do the same thing for a home show with a theme.
So what can you do for an online party theme?
- Share recipes (everyone loves a good recipe)
- Facebook banner
- Games (centered around a theme)
- Fun Facts (about your theme)
See where this is going? Train your brain to think differently. Everything you do for a home show, can be done for an online party. ESPECIALLY with Facebook Live now.
Happy (almost) November everyone!