Do You Run Your Home Based Business Like A Business?
Lots of us enjoy working out of a home office. It can be a very productive, affordable, and sensible way to conduct business. You can save money on office rent, skip the long commute, and plan for a more flexible schedule. This can save you time and money.
However, a lot of people think that they can skip some of the important parts of running a business just because they work from home. This can hurt their business because it presents an unprofessional image, lacks proper business coverage, and leaves them unprepared.
How Does Your Office Look To Other People?
I love my home office. It is very comfortable and convenient. Would I want to bring clients or partners here? No, I would not!
There are many reasons I would rather not entertain clients or business partners at home. For one thing, I am often not the only one home. My pets and kids would be distracting to other people. I also do not want to hold meetings or client consultations at my kitchen table or the office room I have filled with boxes of books, supplies, and records.
A virtual office or executive suite is a very affordable solution to this problem. I can find many convenient office buildings with very inexpensive plans so I can share access to nice conference and meeting rooms.
Is Your Privacy Protected?
Another problem with using a home office address and phone number is that you may have to promote them in ads or press releases. A virtual office can come to the rescue again. Most plans give you a mail drop, phone extension, and sometimes, a shared receptionist. The commercial address and phone number is the information I want to publish, and not my personal phone number and home address!
Is Your Business Covered?
Many home business owners figure that their personal insurance policy will be good enough to cover their business too. This can be a risky and expensive error.
Your business supplies, equipment, and computers could total up to a lot more money than your homeowners personal property insurance covers. The typical liability clause covers damage claimed by visitors to your home, but not by customers who use your products or services.
You may also be using a personal auto policy to cover your vehicle for business use, but you may not have enough coverage there either. If you use you car to conduct business, and especially if you let others use your car for business use, you should investigate your coverage.
These errors can usually be corrected with a simple phone call to an experienced insurance agent. Sometimes you can add an additional business rider to your personal policies. If you cannot do this, you may need to purchase additional commercial insurance. There are products called business owners policies (BOP) which provide a package of protection for small businesses.
Can You Account For Your Revenue and Expenses?
A lot of small business owners still run their company as a sole proprietorship. This means they accept payments and pay bills out of a personal check book. This is actually legal and it works out for some people, but it is important to keep track of your business money vs. your personal money. Some simple accounting software can really help with this.
Run Your Home Business Like A Professional
Once you take some steps to run your own business the professional way, you will probably enjoy more business.
Do You Run A Home Business?
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