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Staring a Small Business Teaching your kids emergency preparedness
by Amber Thomason by by Amber Amber Thomason Thomason
by Amber Thomason
According to Forbes, more 500,000 smallbut Weather may scare your Weather emergencies emergencies maythan scare your kids, kids, but businesses open each month. If you're looking helping them understand what to expect can helping them understand what to expect can to join the club, consider reduce the stress. go your family reduce theentrepreneurial stress. Carefully Carefully go over over yourthis family planning guide for starting a small business. emergency emergency plan plan and and teach teach them them how how to to stay stay safe safe
Help Protect Your Organization from Costly Legal Fees whatever whatever the the disaster. disaster.
Laying the groundwork
Getting your disaster Getting your family prepared for for any any disaster It's important tofamily have a prepared well-developed business proposal that meets an untapped need. Follow these steps to think yours Complete Complete the the following following with with your your family family so so severe severe weather weather through: doesn’t doesn’t catch catch you you off off guard: guard: 1. Decide on a business idea. Think about your strengths • • Create Create an an emergency emergency supplies supplies kit. kit. Include Include aa threethreeand interests: What could you do forever? What could day supply of water, nonperishable food, flashlights, day supply of water, nonperishable food, flashlights, Business Professional Liability Insurance you neverand do? How do you feel about interacting with blankets and activities. The blankets and kid-friendly kid-friendly activities.may The Red Red Cross When least expected, a small business be Cross subjected people or spending your time at a desk? Ask yourself provides supplies to provides aliability a listing listing of of emergency emergency supplies to help help you to athese professional lawsuit. These may claimyou that questions to narrow down your suits business ideas and prepare. prepare. you’ve been negligent or made an error or omission while options. • your plan. evacuation • Practice Practice your emergency emergency plan. Include Include two evacuation performing your services. Liability maytwo cost hundreds 2. Research market demand anddamages competition. You should routes, a safe room and two different meet-up routes, a safe room and two different meet-up of thousands of dollars. feel confident that your product or service will have a locations locations — — and and make make sure sure kids kids can can run run through through itit hungry audience and that you can offer it in a better way calmly. Professional liability insurance from State Farm® can help you calmly. than your competitors. • the Kids should call and your firmthrough pay defense costs and judgments thathow cometo • Run Run through the basics. basics. Kids should know know how tofrom call 3. Write your business plan. You'll need the following identify identify claims of911, professional negligence, or their omission. 911, identify themselves, themselves,error, identify their location, location, reach reach components: emergency emergency contacts contacts and and get get to to predetermined predetermined safe safe • Executive summary locations. Commercial locations.Liability Umbrella Policy • Organization and management Your business liability insurance can help protect you from •your Funding requests Teach the weather conditions Teach your kids the various various severe severe weather conditions lawsuits up tokids a certain limit—but is it enough? It may take only • Company description one substantial judgment or settlement to put your financial Teach kids the natural how Teach your your kids about about the different different natural disasters disasters and and how • Service or product line future at risk. A State Farm Commercial Liability Umbrella Policy to each. to react react•in inFinancial each. projections can provide the extra financial protection business • IfIf you are aa tornado, go into • Tornado. you are in in the the path path of ofyour tornado, goneeds. into aa • Tornado. Market analysis Availabletornado in $1 million increments, it offers broad coverage at safe place. This is typically the lowest level of tornado safe place. This is typically the lowest level of • Marketing and sales plan a sensiblethe price. and away from the building building and stay stay away from windows, windows, doors and 4. Separate your business and personal expenses.doors Whileand it outside walls. If you are outside with no car or nearby outside walls. If you are outside with no car or nearby can be tempting to keep all your finances together, especially Professional Liability shelter, down in and shelter, lietoo down in abiz a ditch ditch and protect protect your head. head. it when there aren’tlie many expenses at the your beginning, You never know when an unhappy client might file notice a lawsuit • Severe thunderstorm. If you have advanced • Severe thunderstorm. If you have advanced notice won’t be simpler down the road.
FROM FROM TOP TOP TO TO
Before• your small business up and you'll that storm isis heading your way are • getting that aa severe severe storm heading yourrunning, way there there are need toways complete the following legal requirements. Consult go ways to to be be more more prepared. prepared. IfIf aa storm storm isis sudden, sudden, go an attorney and/or accountant for relevant to your claiming you’ve negligent or guidance made anthunder, error orand omission indoors ifbeen see or don’t indoors if you you see lightning lightning or hear hear thunder, and don’t specific situation. while performing your professional services. Fortunately, you use into outlets. Avoid use items items that that plug plug into electrical electrical outlets. Avoid using using can minimize financial hardship and help protect your future running running water, water, as as faucets faucets can can conduct conduct electricity. electricity. 1. Decide your Professional business structure. Ispolicy. your business a sole with a• State Farm Liability We offer coverage Earthquake. Practice the “Drop, Cover and Hold On” • Earthquake. Practice the “Drop, Cover and Hold On” proprietorship or a partnership? The Internal Revenue designed specifically for: method, method, and and learn learn to to recognize recognize safe safe places places in in each each Service (IRS) can provide more information on types of room at and room at home home and at at school. school. •Architects and engineers business structures. • • Hurricane. Hurricane. When When you you know know aa hurricane hurricane isis expected, expected, and related businesses 2. •Accountants Most states your require youfor to apply for one or licenses, prepare home the of impact. prepare your home for the possibility possibility ofmore impact. •Dentists permits or identification numbers. Learn more about the During During the the storm storm stay stay away away from from glass glass windows windows and and small business requirements for your state. doors, and be to hurricane evacuation doors, and be ready ready to follow follow hurricane evacuation In addition, State Farm Business Owners Policies offer property, 3. If you plan to and employ people to help run if your small as a instructions from emergency officials instructions from emergency officials if necessary. necessary. general liability, professional liability protection business, you'll need apply for employee identification • Don’t go flooded areas. six • Flooding. Flooding. Don’t gotointo into flooded areas. Just Just six inches inches convenient package for businesses such as: numbers through the IRS. of of moving moving water water can can knock knock you you off off your your feet, feet, and and Shops, Beautyyou Salons, and Daycalendar Spas year 4. •Barber Determine whether will use standing floodwater could be contaminated or standing floodwater could bethe contaminated or or a •Clergy Counseling fiscal year for taxes. contain contain sharp sharp objects. objects. IfIf your your car car isis affected affected in in the the •Retail Pharmacists storm, assess storm, assess the the damage. damage. •Residential Also talk to yourCommunity State Farm®Association agent about special small •Veterinarians business insurance needs. You'll want to do your best Also, Also, being being prepared prepared with with aa Home Home Inventory Inventory might might be be helpful helpful to protect the investments you've made, and important ififState you to file an insurance claim in the case of lost you need need to file an insurance claim in the case of lost orpolicy, Farm can help you with business owner’sor coverage can vary by business. We are small business owners damaged possessions, help secure a settlement, and prove damaged possessions, help secure a settlement, and prove commercial auto, workers’ compensation, health, life insurance, and would love to help you get started on your dream today. useful when property taxes. and retirement plan needs. Talkloss to for afor State Farm agent today to useful when verifying verifying property loss taxes. choose the policy options that best meet your specific needs. AmberThomason Thomason and and ofof insurance Amber her staff have over 15 years Amber Thomason and her herstaff staffhave haveover over15 15years years of and financial service experience and would love the opportunity Amber Thomason and her staff have over 15and years of insurance insurance and service experience would love insurance and financial financial service experience and would love to earn your business. Come home a locallove agent is and financial service experience andtowould the that opportunity the opportunity to your Come to the opportunity to earn earn your business. business. Come home home to aa local local dedicated tobusiness. the life and needs of her customers. 221 Thompson to earn your Come home to a local agent that is agent agent that that isis dedicated dedicated to to Dr.,life Kerrville. 830-315-5433. dedicated the life the and of her the life andtoneeds needs ofand herneeds of her customers. 221 Thompson customers. customers. 221 221 Thompson Thompson Dr., Kerrville. 830-315-5433. Dr., Dr., Kerrville. Kerrville. 830-315-5433. 830-315-5433.
Anxiety? Trauma? Anxiety? Depression? Depression? Trauma? Recovery? Women’s Mind-Body GroupRecovery? Therapy Our minds and bodies are connected. Psychotherapy Psychotherapy for forAdults Adults && Teens Teens When professionals treat them separately, Residential Residential & & Commercial Commercial New New Construction Construction Moving Moving Cleans Cleans Excellent Excellent References References
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36 || SEPT-OCT SEPT-OCT 2020 || KERR COUNTY PEOPLE MAGAZINE 36| SEPT-OCT2020 2020 KERR COUNTY PEOPLE MAGAZINE 36 NOV-DEC 2020 | | KERR KERRCOUNTY COUNTYPEOPLE PEOPLEMAGAZINE MAGAZINE
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