Insurance Tips with Amber Thomason

Staring a by Amber Thomason by Amber Thomason by Amber Thomason by Amber Thomason Teaching your kids emergency preparedness Teaching your kids emergency preparedness Small Business

Weather emergencies may scare your kids, but helping them understand what to expect can reduce the stress. Carefully go over your family Help Protect Your According to Forbes, more than 500,000 small businesses open each month. If you're looking to join the entrepreneurial club, consider this Weather emergencies may scare your kids, but helping them understand what to expect can reduce the stress. Carefully go over your family emergency plan and teach them how to stay safe whatever the disaster. Organization from planning guide for starting a small business. Laying the groundwork emergency plan and teach them how to stay safe whatever the disaster. Getting your family prepared for any disaster It's important to have a well-developed business proposal that Getting your family prepared for any disaster Complete the following with your family so severe weather doesn’t catch you off guard: • Create an emergency supplies kit. Include a three-Costly Legal Fees meets an untapped need. Follow these steps to think yours through: 1. Decide on a business idea. Think about your strengths and interests: What could you do forever? What could Complete the following with your family so severe weather doesn’t catch you off guard: • Create an emergency supplies kit. Include a threeBusiness and Professional Liability Insurance day supply of water, nonperishable food, flashlights, you never do? How do you feel about interacting with day supply of water, nonperishable food, flashlights, When least expected, a small business may be subjected blankets and kid-friendly activities. The Red Cross people or spending your time at a desk? Ask yourself blankets and kid-friendly activities. The Red Cross to a professional liability lawsuit. These suits may claim that provides a listing of emergency supplies to help you these questions to narrow down your business ideas and provides a listing of emergency supplies to help you you’ve been negligent or made an error or omission while performing your services. Liability damages may cost hundreds prepare. • Practice your emergency plan. Include two evacuation options. 2. Research market demand and competition. You should prepare. • Practice your emergency plan. Include two evacuation of thousands of dollars.routes, a safe room and two different meet-up feel confident that your product or service will have a routes, a safe room and two different meet-up locations — and make sure kids can run through it hungry audience and that you can offer it in a better way locations — and make sure kids can run through it Professional liability insurance from State Farm® can help you and your firm pay defense costs and judgments that come from calmly. • Run through the basics. Kids should know how to call than your competitors. 3. Write your business plan. You'll need the following calmly. • Run through the basics. Kids should know how to call claims of professional negligence, error, or omission.911, identify themselves, identify their location, reach components:911, identify themselves, identify their location, reach Commercial Liability Umbrella Policy emergency contacts and get to predetermined safe locations. • Executive summary • Organization and management emergency contacts and get to predetermined safe locations. Your business liability insurance can help protect you from lawsuits up to a certain limit—but is it enough? It may take only Teach your kids the various severe weather conditions • Funding requests • Company description Teach your kids the various severe weather conditions one substantial judgment or settlement to put your financial Teach your kids about the different natural disasters and how • Service or product line Teach your kids about the different natural disasters and how future at risk. A State Farm Commercial Liability Umbrella Policy to react in each.• Financial projectionsto react in each. can provide the extra financial protection your business needs. • Tornado. If you are in the path of a tornado, go into a • Market analysis• Tornado. If you are in the path of a tornado, go into a Available in $1 million increments, it offers broad coverage at tornado safe place. This is typically the lowest level of • Marketing and sales plan tornado safe place. This is typically the lowest level of a sensible price.the building and stay away from windows, doors and 4. Separate your business and personal expenses. While it the building and stay away from windows, doors and Professional Liabilityoutside walls. If you are outside with no car or nearby shelter, lie down in a ditch and protect your head. can be tempting to keep all your finances together, especially when there aren’t too many biz expenses at the beginning, it outside walls. If you are outside with no car or nearby shelter, lie down in a ditch and protect your head. You never know when an unhappy client might file a lawsuit • Severe thunderstorm. If you have advanced notice won’t be simpler down the road. • Severe thunderstorm. If you have advanced notice

Setting up shop

• that a severe storm is heading your way there are Before getting your small business up and running, you'll • that a severe storm is heading your way there are ways to be more prepared. If a storm is sudden, go need to complete the following legal requirements. Consult ways to be more prepared. If a storm is sudden, go claiming you’ve been negligent or made an error or omission indoors if you see lightning or hear thunder, and don’t an attorney and/or accountant for guidance relevant to your indoors if you see lightning or hear thunder, and don’t while performing your professional services. Fortunately, you use items that plug into electrical outlets. Avoid using specific situation.use items that plug into electrical outlets. Avoid using can minimize financial hardship and help protect your future running water, as faucets can conduct electricity. running water, as faucets can conduct electricity. with a State Farm Professional Liability policy. We offer coverage • Earthquake. Practice the “Drop, Cover and Hold On”1. Decide your business structure. Is your business a sole • Earthquake. Practice the “Drop, Cover and Hold On” designed specifically for:method, and learn to recognize safe places in each proprietorship or a partnership? The Internal Revenue method, and learn to recognize safe places in each 2. •Architects and engineers •Accountants and related businesses •Dentists room at home and at school. • Hurricane. When you know a hurricane is expected, prepare your home for the possibility of impact. During the storm stay away from glass windows and Service (IRS) can provide more information on types of business structures. Most states require you to apply for one or more licenses, permits or identification numbers. Learn more about the room at home and at school. • Hurricane. When you know a hurricane is expected, prepare your home for the possibility of impact. During the storm stay away from glass windows and In addition, State Farm Business Owners Policies offer property, doors, and be ready to follow hurricane evacuationsmall business requirements for your state. doors, and be ready to follow hurricane evacuation general liability, and professional liability protection as a instructions from emergency officials if necessary. 3. If you plan to employ people to help run your small instructions from emergency officials if necessary. convenient package for businesses such as: • Flooding. Don’t go into flooded areas. Just six inches business, you'll need to apply for employee identification • Flooding. Don’t go into flooded areas. Just six inches of moving water can knock you off your feet, and numbers through the IRS.of moving water can knock you off your feet, and •Barber Shops, Beauty Salons, and Day Spasstanding floodwater could be contaminated or 4. Determine whether you will use the calendar year or a standing floodwater could be contaminated or •Clergy Counselingcontain sharp objects. If your car is affected in the fiscal year for taxes.contain sharp objects. If your car is affected in the •Retail Pharmacistsstorm, assess the damage. storm, assess the damage. •Residential Community Association Also talk to your State Farm® agent about special small •Veterinarians Also, being prepared with a Home Inventory might be helpful business insurance needs. You'll want to do your best Also, being prepared with a Home Inventory might be helpful State Farm can help you with business owner’s policy, commercial auto, workers’ compensation, health, life insurance, if you need to file an insurance claim in the case of lost or damaged possessions, help secure a settlement, and prove to protect the investments you've made, and important coverage can vary by business. We are small business owners and would love to help you get started on your dream today. if you need to file an insurance claim in the case of lost or damaged possessions, help secure a settlement, and prove and retirement plan needs. Talk to a State Farm agent today to useful when verifying property loss for taxes. useful when verifying property loss for taxes. choose the policy options that best meet your specific needs.

Amber Thomason and her staff have over 15 years of Amber Thomason and her staff have over 15 years of insurance Amber Thomason and her staff have over 15 years of insurance and financial service experience and would love and financial service experience and would love the opportunity insurance and financial service experience and would love Amber Thomason and her staff have over 15 years of insurance the opportunity to earn your business. Come home to a local to earn your business. Come home to a local agent that is the opportunity to earn your business. Come home to a local and financial service experience and would love the opportunity agent that is dedicated to dedicated to the life and needs of her customers. 221 Thompson agent that is dedicated to to earn your business. Come home to a local agent that is the life and needs of her Dr., Kerrville. 830-315-5433. the life and needs of her dedicated to the life and needs customers. 221 Thompson customers. 221 Thompson of her customers. 221 Thompson Dr., Kerrville. 830-315-5433. Dr., Kerrville. 830-315-5433. Dr., Kerrville. 830-315-5433.

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