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How does one go about getting Business Insurance (state of Ohio, City of Hamilton)>?
Jan 22, 2008 by bmwdriver11 | Posted in Insurance
My wife is going to be starting a Psychology private Practice LLC in the state of Ohio, Butler County, city of Hamilton. She has already obtained malpractice insurance, but she also needs business insurance. So, my questions are:
Does the Agent that sells me my homeowners and car insurance sell business insurance as well, or is there a specialized Agent we will need to contact?
Are there any Web price comparison/online Application sites that can be used for business insurance?
Answers from anyone with knowledge on the subject is appreciated!
It's possible you current "all purpose" agent can help you but you really would benefit by getting an agent experienced in the advanced business markets. The average agent may run across two or three of this kind of situation a year. The specially trained and focused agent often handles hundreds of these. Kind of like choosing which level of experience you want for your surgeon. Look for the credential of either ChFC (Chartered Financial Consultant) or CFP (Certified Financial Planner) behind their name. This kind of business insurance is a pretty narrow and sophisticated market so I know of no internet sites where you can go. You can however do a search for qualified insurance agents in your area. Even a new clueless agent can get help and muddle through this but if you can get a pro, I would. Good luck with the new practice.
Ken | Jan 22, 2008
question about ohio business owner applying for unemployment insurance?
Oct 29, 2008 by burninghole | Posted in Insurance
i have a few questions about the process by which a business applies for unemployment insurance, especially for ohio.
i know that there is generally an underwriting process behind all insurance policies. is there an underwriting process involved in unemployment insurance that is similar to the underwriting of other policies?
for example, would a state accept an employer's application for unemployment insurance if said employer does not have company rules and regulations in place (e. g., ethics and compliance, code of conduct, etc)? after all, if he does not have an established set of rules for the employees to abide by, wouldn't this make him a high risk insured by virtue of the fact that the state's unemployment department would be at greater risk of granting unemployment benefits to a terminated employee, thus making him susceptible to a higher premium?
if so, there must be a set of prequalifying underwriting questions that are asked of the employer before their insurance rate is established.
does anyone know where i can find more information on this? thanks in advance.
burninghole, For auto insurance the quick method to get a free quote is do a policy comparison. Be sure to choose the same coverage amounts, you can get an accurate quote to compare against others. Use the same zipcode, car make and model, mileage and driving history to ensure you get accurate comparison. To get mulitple auto insurance quotes, go to http://www.easyautoinsuranceguide.com/Ohio-Car-Insurance.html and you can compare the major auto insurance companies.
mariko m | Oct 29, 2008
how do i get a license in ohio to start an in home care business for the elderly?
Jul 23, 2006 by karen b | Posted in Other - Health
I have done hopice care for 5yrs. My co-worker and i have built up a very good repore with hospitals,doctors,and hospice, we are getting tons of calls but can't fill them all,a doctor told us to get a businss license so we can hire more cna's but we don't really know where to start ! what we provide is shift work and 24hr care. we take care of making sure all meds are given,lite house keeping,meals are prepared,we call and talk to doctors if clients need med changes.we are with client till they pass.we take care of all personal needs from brushing teeth,showering, to giving roxanol in their final days.we've called insurance co. and argued for our clients, so when i say we do it all i'm not kidding.we like what you do and take our jobs very seriously but our work load is getting very heavy it's time to hire but we need to get our license or certificate before we open a office' everything has to be leagel and we have no idea where to start help us to help others
The Ohio HHS agency regulates the licensing and operation of adult day cares in Ohio. This page contains everything you need to know about getting licenses in Ohio for adult day care business http://aspe.hhs.gov/daltcp/reports/adultdayOH.pdf
Here are general resources for starting a business in Ohio:
http://www.odod.state.oh.us/onestop/index.cfm
http://ohio.gov/startingbusiness.stm
http://ohioline.osu.edu/lines/busi.html
Adult day cares are growing and thriving. Adult day cares typically are an alternative to traditional nursing homes, and service is aimed to be more personal and cost is more affordable. The aging of the baby boomers is ensuring that this business has high demand. Typical clientele include elderly men and women who cannot live safely in their own homes, but do not require the full-time skilled nursing care provided by convalescent hospitals. They are looking for minimal supervision and assistance -- as well as companionship -- in order to live independently as possible.
If you are planning on starting an adult daycare business, here are some resources to help you and give you information:
National Adult Day Services Association, Inc http://www.nadsa.org/
Planning and Creating Successful Adult Day Services and Other Home and Community-Based Services http://www.nadsa.org/hcbs_techbrief.pdf
Opening an Adult Day Care Facility http://www.dhfs.state.wi.us/RL_DSL/AdultDayCare/ADCinqResp.htm
Adult Day Health Services http://www.cshp.rutgers.edu/PDF/AdultDaycareLitRev.pdf
Adult Day Care http://www.metlife.com/WPSAssets/90521757001065617557V1FAdult%20Day%20Centers.pdf
Elder Care Sample Business Plan http://www.referenceforbusiness.com/business-plans/Business-Plans-Volume-01/Elder-Care.html
For in-depth information, you can check the following books:
Standards and Guidelines Workbook: Adult Day Care (Paperback) by National Institute on Adult Daycare http://www.amazon.com/exec/obidos/ASIN/0761516514/ref=nosim/powerhomebizguid
Adult Day Care: A Practical Guidebook and Manual by Lenore A. Tate http://www.amazon.com/exec/obidos/ASIN/0761516514/ref=nosim/powerhomebizguid
How to Start and Operate an Elderly Adult Day-Care Center by Gwen M. Walker
Adult day care: A basic guide by Sudie Maready Goldston http://www.amazon.com/exec/obidos/ASIN/0761516514/ref=nosim/powerhomebizguid
Planning and Managing Adult Day Care: Pathways to Success by Linda Cook Webb http://www.amazon.com/exec/obidos/ASIN/0761516514/ref=nosim/powerhomebizguid
imisidro | Jul 27, 2006
Health Insurance Options and COBRA For Unemployed - HULIQ
10.01.09
Employer based health insurance provides coverage for tens of millions of Americans. Unfortunately, many employees will be without coverage if they lose their job, quit, retire or if their company goes out of business. In most cases, an employee can elect COBRA upon losing employment. The Consolidated Omnibus Budget Reconciliation Act will provide 18 months of additional coverage so long as the group consisted of 20 or more employees. In Ohio, if the group is under 20 employees COBRA allows for up to six months of coverage. This law is sometimes referred to as "Baby COBRA." There are certain rules regarding who is eligible to elect COBRA and what the cost will be, but in all cases COBRA is temporary insurance for the insured. In addition, the expense to the former employee can be significant. Ultimately, the cost will be determined by the premiums for the former plan plus a 2% administrative fee. Former employees are often surprised to discover how much it will cost to elect their company insurance through COBRA.
Source: HULIQ, NC
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Ohio business insurance - News
Health Insurance Options and COBRA For Unemployed - HULIQ
HULIQ, NC - Jan 10, 2009
Health Insurance Options and COBRA For Unemployed He owns and operates Hyers and Associates, Inc. an independent insurance agency doing business in Ohio, Missouri and Georgia. His agency offers insurance
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BWC discount fix under fire - Bizjournals.com
Bizjournals.com, NC - Jan 09, 2009
BWC discount fix under fire A Cleveland attorney expects to head back to court to challenge the legality of Ohio’s group rating system for workers’ compensation insurance.
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Great American Insurance Group’s Environmental Division Opens New ... - WELT ONLINE
WELT ONLINE, Germany - Jan 09, 2009
Great American Insurance Group’s Environmental Division Opens New Based in Cincinnati, Ohio, the operations of Great American Insurance Group are engaged primarily in property and casualty insurance, focusing on specialty
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Street Doubts Sunny Weekly Claims Data - Forbes
Forbes, NY - Jan 08, 2009
ABC NewsStreet Doubts Sunny Weekly Claims Data On Thursday, the Labor Department reported that initial applications for unemployment insurance dropped for the second week in a row, by 24000, 3000 jobless claims swamp isle office Demand disrupts unemployment claims system NY's unemployment hotline crashes Business First of Buffalo -
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Obama Seeks Fast Action on Plan
Wall Street Journal - Jan 10, 2009
WELT ONLINE They are accelerating action on expanding the State Children's Health Insurance Program, which President George W. Bush opposed. The House will vote Friday Video: Obama: New Layoffs Show Need for Urgent Action Rifts show as Obama urges quick action on stimulus
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