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 straight from her lips – “sometimes bad stuff happens to good people”! She’s 100% right and 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, with her help in writing this blog article, 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 by Melanie because she has used this company for years. 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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4 Tips to Uncomplicate Your Leadership Role in Direct Sales
1. Lead From the Front:
You cannot expect your team to do things YOU are not doing. So lead from the front! Set goals in your own business and SHOW your team what you’re doing! You should be posting a minimum of TWO times a day in your team page. What kinds of things?
- Company updates
- Company incentives
- And what YOU are doing
It’s really quite easy to lead from the front when you are actually working everyday. Making hostess packets? Post a picture on your team page! Just had a recruiting conversation? Snap a pic and post it to your team. Give them the WORDS. And show them you’re getting results because you’re working.
2. Trainings Don’t Have to be Hard:
In fact, they don’t have to be from YOU at all! Do you know how many trainings are already out there? You don’t have to come up with the trainings, it’s simply your job to make sure they have access to them!
Find people who inspire you. Follow them on Facebook and their blog. Google! It’s your best friend!
And here’s a couple of sites that have trainings and tips already laid out for you to SHARE with your team!
Cinchshare: Go to the events tab link here and you can find dozens of trainings on any topic you can think of. And those events can be shared, and your team can go back through all of that great information at ANY TIME! And you know what? They hold WEEKLY live Facebook trainings from experts in the field. So you can invite your team to a new training every single week! When I realized this, it was a huge relief to me. I don’t have to come up with all that on my own!
Cinchshare EVENTS TAB: https://www.facebook.com/pg/CinchShare/events/?ref=page_internal
Cinch Socials: This is a Facebook page with nothing but direct sales tips. Go over and LIKE and FOLLOW the page and you can share a tip daily in your team page. EASY PEEZY!
Cinch Socials Page: https://www.facebook.com/CinchSocials/
3. Keep it Positive and Set the Pace:
Set the TONE for your team. Don’t know where to start?
Use the description on your team page to set the expectation for the team. A place to encourage and lift eachother up. To share ideas and celebrate our team members. Do they KNOW what you want? Have you ever told them your vision for your team? It’s kind of important.
Then set the rules. Monthly, I post the same post. It talks about the rules of the page. No complaining, no selling, and be nice. That’s the gist of it. But it’s long and detailed and I give them instructions on how to word their feelings if they are frustrated. And the chain of contact to actually vent those frustrations and get results, privately, in a message to their upline. They don’t know if you don’t TELL them.
And third, you better STICK TO IT. No excuses. Delete any posts that violate this and send a personal and thoughtful message with a positive tone, to anyone who goes against that. You might get some resistance at first, but after that, you will have the positive, working environment you crave. And your team members will be happy you did it! There is NO place for negativity on a team page.
4. Schedule Your Time:
Time blocking is essential to leadership…and your business truthfully. Consistency is the key to leadership. Simply showing up no matter what.
You should have at LEAST 20 minutes a day to work on your personal business and 20 minutes a day to work on your team.
Monday: contact all new consultants who have joined in the last week, or even the last few months. Send out new consultant letters/email/packets
Tuesday: Training. Share some kind of training, remember, doesn’t have to be yours!
Wednesday: Celebrate earners, promotions, new consultant goals/programs, company incentives, whatever it may be
Thursday: connect with your upcoming leaders. Doesn’t mean they have to have a title. Some of my best leaders don’t have a title yet to prove it. CONNECT
Friday: Plan of action. Give them something to DO. And the steps to do it. Let’s all make these hostess packets. Let’s all connect with 5 past hostesses this weekend.
See…it doesn’t have to be hard. We’re not all born leaders. I know I wasn’t. I had to work hard at figuring all this out. And work harder to realize that…I was making it too complicated. It’s not. So don’t make it be!
Much love and hugs!