Today’s workforce is changing. A recent study by Accenture estimates that by the year 2020, 40% of America’s total workforce will consist of sole proprietors and independent contractors. While we’ve addressed that in a past article, we need to take a closer look at trends in the workforce today. Today it’s all about the “Side Hustle”. With the popularity of guru’s like Gary Vaynerchuk, more and more Americans are making the decision to work hard now to provide for a secure future.
Bankrate estimates that over 44 million Americans now have a “Side Hustle”, that’s 1 in 2 millenials, and one in 4 baby boomers. As more people see the benefits of creating their perfect side job, we see that many are working as independent contractors, or self employed business owners. At any rate, if you have what can legitimately be called a “side hustle”, you are more than likely pretty passionate about it . . . or at least passionate about the benefits like freedom from debt and financial independence you hope it brings.
Maybe you want to be the next Microsoft, Apple, Google, or Facebook and build an empire in whatever industry your side hustle is in, or you just want to earn some extra money on the side, whatever your purpose, you’re working hard to get it done in order to reach a certain goal.
While you’re putting in the hours and burning the candle at both ends, more times than not people forget to protect their ideas. They don’t take the time to make sure they have the proper insurance to protect their small business, or side hustle, or even worse . . . their home and personal assets.
Let’s take a look at what steps are necessary to protect yourself from the big risk that may not be your favorite part of owning a small business and working for yourself.
No matter what your side hustle happens to be, whether it’s blogging, freelance work, carpentry, or anything in between, your side gig should be considered a small business and as such, you need insurance. Just like with every individual, not all small businesses are created the same and each one has it’s own specific needs to consider.
Here are some types of professional insurance your small business might need.
Right now you a probably thinking that this is an awful lot of insurance for a side hustle. You’re right, a lot can happen when you own a business. There is a lot at risk. But the reason you’re doing it is because you know that you have to risk it to reach your goals, but don’t forget to protect everything you’re working for!
Don’t be discouraged and overwhelmed. Many of these coverages, and more, can be found in package policies tailors specifically for your industry. C. Pina Insurance works with companies such as Hiscox, and Tokio Marine who specialize in small and micro-businesses and artisan contractors. Get in touch to discuss your side hustle and see how simple and affordable we can make protecting your dream.
No matter what type of pet you may have, chances are that they are a close member of the family. It’s responsible pet ownership to do a little bit of research about proper care and feeding to keep him, or her safe and healthy. Plants are used to beautify our property and increase that “curb appeal”, but they can also be toxic. Common houseplants, found in many homes are toxic, poisonous, and dangerous to pets. Also, there are many found in your local garden centers that are sold for outdoor planting can be dangerous.
Not Just Your Garden Variety Hazard
Here is a list of outdoor plants that are common throughout the country. Outdoor cats, dogs in the backyard, out on walks (or even escapees) can be harmed if they are exposed to these plants. Yes, most of them need to be eaten, some can cause harm through licking, or sniffing. We want to help you learn about these plants so that you can do everything you can to protect your family pets as well as your neighbor’s.
Many people have these toxic plants in their house and don’t even realize it. That’s because they are sold in retail stores and garden shops without any warnings about the danger they can pose to pets. People often have plants at home and don’t even consider that they may be dangerous. There are many more in addition to the ones listed here, its up to you to do your research and find pet safe plants onlilne.
If you have any questions about toxic plants or other types of hazardous materials, contact your veterinarian right away! Pet insurance through C. Pina Insurance Agency can help you be prepared for the expense of urgent care, unexpected mishaps, or even preventative care. Call Craig Pina today at (508) 557-8224
Please see out Pet Insurance page for more information.