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I am opening an adult day care business in my home and need liability insurance..?

Jul 08, 2008 by m23sons | Posted in Insurance

We are opening an adult residential day care business in our home and cannot find business liability insurance to cover it. We are in Nevada and are licensed to care for 6 adults (seniors) during the day .... Does anybody have any ideas WHO we can contact??????? Thanks.

Home insurance covers lots of different things. I'm not sure about Nevada laws and regulations, so I suggest you call a nearby homeowners insurance agent. http://www.usinsuranceadvisor.com/Home-Insurance.html They will be able to help you.

Levie H | Jul 09, 2008

Start a Limited Liability Company (LLC) in Nevada?

Dec 08, 2008 by aloha_islander | Posted in Small Business

What do I need start an LLC in Nevada? Business license? Insurance/Bond? Do I have to reside in NV? Do I have to have an office in NV? How much do you think I will spend to open the business? Thanks!

just go to legalzoom.com. It will cost you around $350.00. it's step by step.

Youthink? | Dec 09, 2008

small business insurance?

Feb 24, 2008 by Joyce E | Posted in Insurance

Do I need to get small business insurance for a quilting business in my home that would have from 4 to 6 people entering my home weekly to get their quilt tops quilted? My state is Nevada. No one would be using my quilting machine. I was quoted $225 per year minimum coverage for 300K liability and 600K for the other coverage plus coverage on my machine for theft or damage. The machine costs 6K . Wouldn't my homeowners policy cover me, given these circumstances?

Business liability is specifically excluded on a homeowners policy. So, if you have a client come to your house & they get hurt & sue you, you will have to pay any court award, your homeowners policy will deny coverage. Also, most homeowners policies give about $2500 on premises business contents (your contents, not others contents). Anything that is used in the course of your business, even once in a while will fall under this category.
Is this business in the house or a detached structure? If it is in a detached structure, your homeowners policy will specifically exclude the structure unless you list it as a business structure and pay an additional premium.
So, get the business policy (most small business policies have a $500 or $750 minimum premium so you are getting a REALLY good price. See what it is to increase your liability to $500,000 or $1,000,000 & to increase your business contents because I'm sure you do not use JUST the quilting machine in the course of your business (add your desk, chair, phone, computer if you use it in business, regular sewing machine, material, thread, bobbins, scissors, etc)

Sue | Feb 24, 2008

LV lauded for being friendly to businesses - Las Vegas Review - Journal

10.01.09

"Las Vegas is a phenomenal town to do business in," said Vasas, whose company has three employees and 17 agents. "The tax climate is wonderful. By not having to pay all the different taxes, I can hire more employees and put more people to work."

A new report backs up Vasas' glowing review. The Small Business Survival Index, a study from the Small Business & Entrepreneurship Council in Virginia, says Nevada ranks No. 2 nationally for its friendliness to small businesses, primarily because of its favorable tax structure.

Nevada was second only to South Dakota.

The council bases the index's rankings primarily on a state's public policies and how they affect small businesses.

Nevada ranked first in several areas, including tax rates for personal and corporate income and capital gains.

Nevada also ranked first for having the lowest number of government employees per 100 residents.

California ranked No. 49 in the index.

Steve Hill, chairman of the Las Vegas Chamber of Commerce, said businesses consider a broad variety of aspects when choosing whether and where to start a company.

Source: Las Vegas Review - Journal, NV

Nevada business insurance - News


LV lauded for being friendly to businesses - Las Vegas Review - Journal
Las Vegas Review - Journal, NV - Jan 10, 2009
LV lauded for being friendly to businesses By JENNIFER ROBISON Vasas, owner of Las Vegas-based Vasas Business Insurance, sells policies in Alaska, California, Texas, Arizona and Utah,

In Business Q and A Candace Carlyon - In Business Las Vegas
In Business Las Vegas, NV - Jan 09, 2009
In Business Q and A Candace Carlyon - In Business Las Vegas In Business Las VegasIn Business Q and A Candace Carlyon There has been a lot of debate in recent years about bringing chancery courts to Nevada as well as whether to expand the business courts.

Murder suspect headed back to Las Vegas - Deseret News
Deseret News, UT - Jan 10, 2009
Murder suspect headed back to Las Vegas Judge Rodney Page said, keeping it all business. "It's Nevada," Randolph's court-appointed attorney Todd Utzinger interjected. "I'd actually rather go to

Nevada must demand health care reform - Las Vegas Sun
Las Vegas Sun, NV - Jan 08, 2009
Nevada must demand health care reform The more schooling people have, the more money they earn, enabling them to purchase medical care and health insurance. Nevada's poor ranking in the national

HENDERSON-BASED BUSINESS: Silver State Bancorp files for bankruptcy - Las Vegas Review - Journal
Las Vegas Review - Journal, NV - Jan 07, 2009
HENDERSON-BASED BUSINESS: Silver State Bancorp files for bankruptcy The bank had $1.7 billion in deposits when the Federal Deposit Insurance Corp. and Financial Institutions Division closed Silver State in early September.

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