events

Do You Have Business Insurance?

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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.

 

Getting Quotes:

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/

 

 

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#1 Social Media Scheduling Site Cinchshare.com

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Anyone who owns a business knows that social media is playing a HUGE role in our business these days. Whether you’re marketing, sharing invitations, communicating with customers, rolling out Facebook events, or running contests…if you’re not using social media, you’re missing some customers!

I am just going to walk through Facebook events at the moment. Working in Direct Sales, I host at least 10 Facebook events a month for my hostesses. Those FB events last 7 days, and I post 3 times a day. Can you imagine how crazy I would be trying to remember all those posts? Maybe that’s YOU right now?

Cinchshare has made my life SO much easier. If you have never heard of it, let me give you the low down:

This is a #SocialMedia scheduling site that allows you to schedule posts for Facebook, IN ADVANCE (they also do a lot of other things that I have not explored yet). So you can schedule a week’s worth of posts on YOUR time. Sounds pretty amazing, right? IT IS!

I use Cinchshare to:

~post monthly reminders to my team

~when I’m up working late, I can post things for my closed customer page, and schedule them to post in the morning-when normal people are up 😉

~I can schedule ALL posts to any events I have going on. So #1-I don’t forget to post them. #2-I’m never in a hurry. I can take my time and do it RIGHT. Consistency is the name of the social media game.

~I can post things to go on my main FB timeline. Maybe I have an hour to sit down and post a bunch of great quotes I found. But I don’t want to post twenty at one time. So I can schedule those to go out daily with Cinchshare.

It’s really a no brainer for anyone who needs to organize their time and their business. I’m a busy mom of five. I HAVE to do things on my time (if my kids let me.lol).

I highly encourage you to check it out. And with a one month free trial they’re offering right now, you really don’t have an excuse to NOT try it!

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Since using this site, I have not had a single problem. Not even one. Here is the closest thing to a “problem” that I had.

When I first logged on, I couldn’t figure out how to get my Facebook Events to show up on Cinchshare. And then…wait for it…I looked to the right side of the screen and there was this 30 second video that showed you how. And BAM! That was it. I fell in love, we’re quite close now, we talk everyday…me and my Cinchshare account. I love her…but I did feel the need to share her with you. So there you go 😉 Go check it out. The very first time you use it, you will ask yourself how you ever lived without it!

And just so you don’t have to go and search for that helpful little video (that was right in my face)…here it is so you can take a peek:

And if Impeccable customer service is something you’re really picky about…you’ll find yourself at home here too. Any time I have had a question, I message them on the little HELP me I’m drowning button…and they like…REALLY answer you. And REALLY help you. It’s quite amazing if I might say so myself!

And if you would like to visit their website and start your own new crush on an inanimate object…here’s the link for you:

https://cinchshare.com/default.aspx?ReturnUrl=%2fpost%2fScheduler

Hope this helps!! Step away from the ledge…Cinchshare has your back;)

Melissa Fietsam, Ind. Senior Executive Director at Thirty-One Gifts

www.buymybags.com

#SocialMedia #sharing #scheduling #FacebookEvents #DirectSales #31 #31bag #31bags #thirtyone #thirtyonegifts #schedule #posts #site #TimeManagement

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