Commercial Business Insurance Quote – A Look at the Types of Coverage in Business Insurance Plans

There is no business to small that it can’t benefit from insurance. Regardless of your company’s size, you should be taking the time to search for a commercial business insurance quote. However, the exact coverage you require, interest rates, etc. play a role in the type of quotes you get. Choose an insurer that offers custom policies for your industry. Do research and read reviews to make sure that the company you choose is a good choice for businesses like yours.

What exactly is business insurance? It is a broad range of policy options compiled to protect a company from financial loss. The potential causes of financial loss obviously vary from one company to the next

Here is an overview of some of the types of coverage available. Some of these you will likely need and some you will not:

• General liability insurance (protection from 3rd party liability claims for injuries other people occur)

• Product liability

• Malpractice / professional liability

• Property insurance

• Workers compensation

• Commercial vehicle insurance

• Cyber-crime protection

• Loss of income

• Records retention policies

• Key personnel insurance, should the head(s) of the business become incapacitated

• Specialty coverage for things specific to your industry as well as one-day events such as concerts or seminars

Legal Requirements in a Commercial Business Insurance Quote

Commercial insurance is typically required by law, but under certain conditions, and those vary from state to state. At the very least you will need general liability insurance. Depending on your trade, your state might require you to carry insurance against professional liability. If you have employees, you will probably be expected to pay unemployment insurance taxes under certain, prescribed conditions if they are deemed to be applicable to your organization. You’ll therefore have to register your business with the work force’s agency in your state.

Don’t just select the first cheap commercial business insurance quote you see. Your policy must be tailored to your business based on its risks and relevant laws regarding your industry. Work with an insurance company that will take the time to learn about your business in order to get you the best coverage possible to protect your business investments.

Since there are so many sites that all promise to offer the “best” commercial business insurance quote, it’s a good idea to use Hiscox Business Insurance as the starting point. While it is a big insurance company, Hiscox does not view insurance coverage as a “one-size-fits-all”. It is your best bet to get a tailored coverage for your industry and specific needs.

Have You Recruited Any Leaders Into Your Home Based Business?

I do not know if you are one of the people that might be struggling a little bit to recruit leaders into your primary business. Chances are that you are struggling to just plain recruit anybody into your business.

This is not your fault. People get started in the home base business industry and get taught a variety of strategies and methods that some people believe to be old school methods. A number of these methods still work today but on the other hand a large number of these so called old school methods really are some what out dated.

Are you perhaps familiar with the methods of, doing cold calling, handing out DVD’s etc.

Well, a lot of the old methods are not very enjoyable.

There is a better way though. A way that is fun that will make building your business so much easier than to try to chase family and friends. The only way to do this is to become a person of value. A person that can provide guidance to people in building a profitable home base business.

This would require you to become an expert yourself. To do this, you would need to team up with a mentor or at the very least, do some research about how to build a profitable home base business.

The old saying will never die: “Knowledge is power.”

Increasing your knowledge in how to build a profitable home base business will result in more people coming to you to join you in your business. This is one of the secrets that many people do not know. They think that they will succeed by pitching their primary company to people everyday.

If you think about it, these people that you approach never even asked to enter upon the home base business industry, much less to join you in your primary company. The secret that I am revealing to you here is the core of attraction marketing. This core secret is to increase your personal value to people which will result in your success in building a profitable business.

Another way of really enhancing your business success is to use the internet as a tool to super charge your way of reaching multitudes of people all at once.

Using the Internet as a tool to leverage your time and to maximize your recruiting success is something that take a little time to put in place, especially if you are starting out as a complete newbie to online marketing.

Which bring me to the point.

The “new” way of building a profitable home base business in the twenty first century require a home base business owner to incorporate online and offline marketing strategies while using attraction marketing at the same time.

This is what the top producers in the industry implement with great success to recruit leaders into their business.

I am not going to beat around the bush here.

If you are a person that are serious about succeeding in having a secure residual income from being part of a industry that provide ordinary people the opportunity to grow wealth starting part time, then you need to take these few little tips with regard to attraction marketing and using the internet as a tool to enhance your success in your business very seriously.

Mobile Gaming Industry – Generating Big Business From Small Devices

In the year 2007, Apple Inc. gave a whole new meaning to mobile technology by launching its flagship device – the first-generation iPhone. The device acted as a boon for a mobile game development sector, which was otherwise growing with a “snail’s speed“. Later, in the year 2008, the Internet giant Google also released “Android OS” and this eventually started a war of apps, and both became fierce competitors. However, this proved fruitful for the smartphone users, as the competition resulted in the development of better mobile gaming apps with excellent graphics, fascinating game play and superb sound systems.

The Statistics and Predictions

With the pace of time, companies brought advance tools and technologies to develop more sophisticated gaming apps, to allure a bigger chunk of mobile enthusiastic population. As per recent statistics, in the year 2010, the smartphone and tablet gaming app sales reached $898 million, and it is expected to generate a revenue figure of $1.6 billion by the year 2015.

The overwhelming response experienced by the mobile gaming apps can be seen by the following facts –

  • 53% of smartphone owners play mobile games on daily basis
  • Smartphone users spend 14.7 hrs per month, playing mobile games
  • 93% people pay for gaming apps
  • 100 million mobile gamers in U.S. alone
  • 700 million download of Angry Birds app
  • Tiny tower generated $3 million from in-app purchase
  • Major revenue generation is via advertisements

It is worth mentioning that the above figures show only a small insight of the entire mobile gaming industry. However, with the technology evolving with each passing day, the popularity of mobile games is expected to break all the previous records.

Freemium Model or Paid Model – The Game Changers

The task of selecting the right medium for revenue generation has always been a game changer. There are three main revenue models in the mobile application development industry:

  • Free Apps – The apps were supported with advertisements, to support revenue generation.
  • Freemium (Free + Premium) Apps – Free to download apps, but with in-app purchase options.
  • Paid Apps – One-time payment for all the features.

No doubt, the freemium model has proven fruitful many times, but the major revenue generation is still carried by paid game apps. In addition, the predictions by experts state that, the revenue from free, ad-supported games is expected to grow by 12.3%, by the year 2014. Therefore, with free applications missing the “Spark“, and freemium apps showing better potential, the prospects of being innovative and effective are higher in the latter. As a result, one can sense a balance in revenue generation between paid and freemium apps in coming years.

Word of Mouth – The Main Reason Of Downloads

No matter whatever the medium is, physical or virtual, the “word of mouth” always serves as an efficient way of promotion. Even as the companies are spending heavy to promote their gaming apps, the statistics suggest that “word of mouth” medium of publicity still holds the number-one position in effectiveness. As per a recent survey:

  • Around 50% of adults learn about new gaming apps from friends and family.
  • About 40% of adults learn from app stores, after reading the user reviews and hot list.
  • About 25% of adults learn from social media sites.

However, there is also a long list of mobile gaming websites with a heavy influx of web traffic, present over the Internet that provides game reviews, upcoming apps, cheats and tips. So, companies should concentrate on utilizing all types of efficient media channels to acquire maximum coverage and ensure 100% promotion of their apps.

With mobile gaming apps available for free to play, it is easy to fall-in and get absorbed in them. Furthermore, from above statistics one can easily sense the increasing popularity, the higher growth rate and the potential in Mobile Game Development Industry.