Is your small business insured, or is it among the 44 percent that don’t?

Workplace disasters are common and some happen unexpectedly. Unless you are insured, you may end up spending your fortunes to clear the mess, take care of the employees, and rebuild your business.

Insurance adjusting helps the insured businesses get the highest possible compensation within the shortest period. The adjuster submits the claim application in time and also negotiates for the best compensation deal.

If you are insured or plan to apply for business insurance, you will need to hire a competitive insurance adjuster. 

Here are five compelling reasons why it’s advisable to hire an expert.

1. To Get Higher Payouts

When an accident happens in your business, you should report it to the relevant authorities within 48 hours. 

You should also initiate your claim application within that time or a maximum of one month according to the insurance/insurer type.

However, sometimes the insurer may not be willing to pay the amount you need for the compensation. Like other businesses, insurance firms need profits. One effective method for increasing their profits is by limiting the amount of payouts they offer to the insured.

Unless you are an expert, you may end up getting minimal amounts that can’t even cater to your basic needs after the accidents. That’s where insurance adjusting comes in handy.

The adjusters get a commission for the amount of the compensation you get. This means that they must ask for a better compensation amount to increase their payment as well.

If the adjuster is experienced, you will get a very high compensation amount to settle the losses and keep your business operational. All you need to do is find the best insurance adjuster near me to increase your chances of getting the highest possible payouts.

2. To Save Time

Time is of the essence to businesses. It cannot be reversed. 

As an entrepreneur, you might find the process of following up on the insurance claim time-consuming. You might even spend more time if the insurance is denied, and you need to appeal.

Too much concentration on the insurance follow-ups may cause adverse impacts on your business. You may end up making significant losses that are not worth the compensation. To prevent this, you may hire a public adjuster to follow up on your claim.

The adjusters are experienced and flexible. They use their expertise to make the most appealing negotiations on your case. If you had submitted the claim on time and paid your premiums well, you may get your payouts within a short time.

At the end of the day, you will have achieved two vital things at the same time. Your business operations will be doing well, and you will also get compensation in good time. 

For more time saving, find a competitive adjuster who will follow up on your case within the shortest period.

3. To Facilitate Communication

Many policyholders feel that insurance firms hesitate to provide compensation updates. Even if they communicate, they can sometimes be slow, redundant, and you may not get the right answers.

When the response rate is insufficient, you will waste your time in the process, and you may end up giving up. And when you give up, you may never get the insurance payout.

Instead of creating a hostile atmosphere between you and the insurer, you can consider hiring an adjuster to make the right follow-ups with the insurer. The full-time insurance adjusters have all the time to physically visit the insurer’s firms.

When you hire them, they will make the right appointments with the insurer to help you get what you deserve. And since they understand the policyholders’ rights, they will be commanding enough to ensure that no one violates your rights.

So, don’t give up if your insurer has poor customer service or is hesitant to provide feedback. Find a reliable public adjuster to help you.

4. To Understand Your Policy

Most insurance policies are complicated. If you have never applied for another type of insurance before, you might find it confusing. If you don’t understand it well, the chances are high that you will make the wrong decisions.

You may take the wrong insurance plan or even make mistakes when initiating your claims. The best insurance adjuster can help you get the basics of the insurance policy.

They can simplify the hard terms for you and make sure that you understand every hard concept mentioned. When you know the policies, you will make informed decisions and reduce the chances of making costly mistakes, which might affect your policy payouts.

5. To Get the Right Estimates

Public insurance adjusters work in the interest of the policyholders. When the accidents happen at your business or to one of your employees, they will report at the scene to examine the damages.

They will then make the right estimates of both the direct and indirect losses to help you get the proper compensation. If the losses were massive, the insurance might undermine them to offer you little compensation. 

Low compensation means that you will incur extra costs to take care of your medical expenses or repair your business’s damaged parts.  

The public adjusters’ goal is for the insured person to get covered for all the losses as per the initial agreement. The insurer may not compensate every unit costs provided in the estimates, but you can rest assured that you will get the most applicable payout for the damages.

Hire a Public Insurance Adjusting Professional

Is your insurer hesitating to compensate you? Are you planning to take insurance, and you don’t know where to start? If yes, then you need to find a great insurance adjusting expert.

The right adjuster will examine your business’s size and advise you on the best policy to apply. The expert will also walk you through the insurance journey to help you get the right payout. 

Mind My Business website helps businesses attain their goals. If you own a small business or plan to start one, read our blogs to get inspired and make the right decisions.

It’s no secret that proper branding is an essential part of running a successful business. Part of this endeavor includes choosing the right logo for your company.

But, developing a logo for a therapist’s office isn’t as straightforward as many people expect. Fortunately, there are tips you can keep in mind to help make this process easier.

Not sure where to start? Don’t worry, we’ve got you covered.

Let’s take a look at everything you need to know.

Include Your Business Name

One of the most important details to remember about designing your logo is to include your office’s name within it.

This statement holds true for all types of small businesses and practices, as it’s highly unlikely that you have the industry presence to be recognized on a logo alone. Regardless, it’s impossible to be recognized solely from your logo if you don’t already have a logo.

Additionally, You’ll want to ensure that you choose a font that complements your logo design. This means the typography you use for your company name should have a soft, calming feel.

So, it’s best to avoid bold or sharp-looking fonts.

Use Calming Colors

As color theory dictates, there are colors that we inherently associate with certain emotions. That’s why the majority of fast-food restaurants incorporate plenty of reds and yellows— we associate these colors with energy, excitement, and hunger.

The colors you use for your therapist’s office will need to be the opposite, as you want to convey a soothing feeling as opposed to one that is energetic. So, your logo should make heavy use of blue, purple, and green in order to accomplish this task.

Blue and purple are typically the most calming, with deeper hues being more effective.

Choose a Relevant Image

The image you incorporate into your logo is also just as important. You wouldn’t want to choose an aggressive image like a sword or lion.

Similarly, you don’t want to choose an image that is completely irrelevant, like a vehicle.

Since you want your clients to feel relaxed and protected, good ideas to start with include houses or hands. While there’s no definitive rule on what image you need to choose, you should be able to feel that it appropriately represent your brand.

How Do I Go About Designing It?

You’ve come up with a noteworthy idea, you’ll need to bring it into reality.

Unfortunately, not everyone understands the best way to go about designing a logo. Some people don’t have any experience with this type of design at all.

Let’s explore how you can go about doing so.

Designing The Logo Yourself

If you’d like to try your hand at designing your logo on your own, there are a few options at your disposal. One of the most common and straightforward as to use a graphic design program like Canva or Photoshop. This type of software comes with all the tools you need in order to create your logo from the ground up.

In fact, you’ll also find that it’s relatively easy to create images that are geometric or organically-shaped.

Additionally, these programs also come with plenty of presets and templates that you can use to help get you started. This takes a lot of the busywork out of the beginning of the process and can easily provide you with inspiration.

Although many people tend to feel accomplished after designing a logo on their own, it’s important to retain an objective view about the quality of the logo. Even if you are proud of yourself for designing it, you should never use a logo that doesn’t accurately represent your brand.

You should also avoid using one that isn’t aesthetically appealing.

For example, a practice owner who has an amateur level of experience in graphic design may create a logo that is both irrelevant and low-quality. If they decide to use this, they are only hurting their brand’s future performance.

You can visit this resource for more info on how to design a therapist logo. 

Outsourcing

As you may expect, the above option isn’t for everyone. Even those who have a background in design may still be unable to come up with a sufficient logo idea.

Fortunately, you can always outsource this obligation to a professional in order to ensure that it’s completed correctly.

When looking for a graphic designer to work with, be sure to look into their portfolio so that you can determine the quality of their past work. You should also shop around between multiple designers to determine who can give you the best value for your money.

Just because someone is able to produce a great result doesn’t mean that they price their work fairly. A larger name in the local industry could have just as much experience as lesser-known designers but charge exponentially more for a finished product.

If you choose to go this route, understand that you will be spending at least $200 or $300. Trying to get a logo for less than this amount will most likely not provide you with the results that you’re looking for. 

Designing a Logo for a Therapist’s Office Can Seem Difficult

But it doesn’t have to be.

With the above information about how to create a logo for a therapist’s office in mind, you’ll be well on your way toward making the decisions that are best for you and your company. 

Want to learn more about how we can help? Feel free to get in touch with us today to see what we can do.

Digital advertising is not easy, and the myriad of articles detailing what you should do can become overwhelming. Are you supposed to do it all at once, or pick out one or two strategies?

One way to start is to get an idea of what to avoid. This can help you select the best ways to move forward in your marketing plan. Below, we give our top 8 mistakes with advertising online. 

1. Overlooking the Mobile Market

No matter how good your website is, it will be useless if you have not optimized it for mobile. With smartphones becoming the primary method of internet browsing, a company that does not optimize for mobile is losing sales and conversions. A staggering 82% of phone users turn to their phones when making a decision on purchases. 

Being optimized does not mean you have to spend money building an app (though that would help a lot). You can have a mobile-friendly website by choosing mobile-friendly themes. Make sure the website loads quickly on mobile by hiring a developer to strip back unnecessary code and installing caching software.

2. Targeting the Wrong Demographic and Audience

To avoid wasting money on PPC advertising and marketing campaigns, you must make sure you have a defined audience to target. You must know who your customers are, and what their age, gender, income, and interests are. Take some time to research this, and ask your current customers for their information and details. 

Do not make the mistake of targeting a broad audience. Your ads will be ignored by the majority of people and cost you money. Even if you have a wide spectrum of clients, create custom campaigns for each of your customer types. 

3. Not Paying Attention to SEO

Search engine optimization (SEO) far surpasses any other form of internet marketing, because it is free. It is also common knowledge that anyone who searches online is more likely to click on organic links over paid ones. You can not afford to overlook the benefits of SEO. 

SEO is not a short-term strategy. You must work at it over a period of time and incorporate it into the content of your website. To do this, you need to develop a full strategy implemented in everything you do. 

4. Mistakes With Advertising on Social Media

Social media is another free tool that allows you to reach a customer who is at home or on the move. The real benefit lies in the fact that people choose to follow you, so they already have a degree of trust and engagement with your brand. This can be used to increase the customer experience and drive conversions and leads. 

When starting on social media, make sure you spend time on the correct platforms. For example, if you are aiming your product at a business-orientated crowd, a platform like LinkedIn would provide more worth than a youth-focused platform like Tiktok. 

5. Not Utilizing Promotions

Promotions, done badly, can make a brand look desperate. However, done correctly in campaigns that are planned well, they can catapult your traffic. Once you have the people on your site, it is likely you can dazzle them with more products and services, getting them to spend even more.

Coupons and discount codes are a great way to do this. You can also use competitions for free items to increase your social media following and brand awareness. Make sure you are offering something of value, and always ask customers to share so more people see the promotion. 

6. Failing to Comment

Digital advertising is about building a relationship. Relationships do not work if only one person is responding. You need to spend time on answering questions and having conversations with customers and followers. This can be on social media or blogs. 

This does not just mean commenting on your own media. Having conversations online with people in your field or answering questions on sites like Quora can help make you look like an expert in your field. They can increase brand awareness and build trust with potential customers. 

7. Failing to Remarket

Acquiring new leads for your business is important, but remarketing to old customers or those who have shown an interest in your website is just as important. These people are the most involved with your brand, as they have either already bought something or are at the final step and just need a nudge. 

An easy way to do this is to collect emails from potential leads and send them a reminder, especially if something is left in a shopping cart. You can find out more about marketplace remarketing. 

8. Producing Content That Lacks Value

All content that you put out or advertise digitally must have value. It must provide something or be of worth to the customer. One of the worst mistakes someone can make when advertising brands online is putting out content that does not really advertise anything at all. 

Go back to your data and see what your audience wants. Have a look at what they are visiting on your site, what is being shared, and what they are downloading. Then brainstorm more content in this vein and use that as part of your digital advertising strategy.

Starting With Online Advertising

Now that you know the mistakes with advertising online, you can begin to work out a sound strategy.

If you need more help and assistance with online marketing and any digital business growth advice, visit our blog. We update daily, and you can keep up to date by bookmarking our website right now!

How are your finances looking up?

Wait, seriously, who asks that question in 2020? The COVID-19 pandemic came, killed thousands, and rendered millions of people out of employment. You know things have hit the fan when close to 50 million Americans have filed for unemployment benefits.

The pandemic will clear eventually, but how about your financial situation? It isn’t going to get better magically. You have to put in the work that will set you on the path to financial freedom.

In this article, we’re telling you what you can do to turn around your finances as soon as possible

1. Take Stock of Your Current Financial Situation

Your goal is to improve your finances, right?

For that to happen, you need to know where you’re right now. It’s like setting on a journey. To know how far you’re from your destination, you need to know your current location.

As such, start by calculating your net worth. Don’t worry, net worth isn’t a term reserved for just the rich.

So, how do you do this?

Simple. Establish your assets, as well as your liabilities.

Your assets could be tangible, like cars, real estate property, and cash, and intangible, such as intellectual property. Your liabilities are your debts, things like mortgages, car loans, and student loans.

There’s a simpler way to do things, though.

Take a look at your income versus your expenditures. How much is left from your paycheck after you’ve paid off all your bills and met living expenses?

If you’ve only a little amount left, then you have two options. Either increase your income or reduce your expenses. We’ll get more into these options shortly.  

But if it’s any consolation, you’re not alone. The vast majority of American workers were living paycheck to paycheck even before the COVID-19 pandemic hit.

2. Draw Realistic Financials Goals

Now that you know where you’re financially, it’s time to decide where you want your finances to be.

Bear in mind that improving your finances is a broad goal. Almost everyone is in a quest to improve their finances. You need to break down this improvement into a tangible goal.

For instance, an ideal goal is to be able to save say $2,000 every month. After a year of consistent saving, you will have about $24,000, which is a good amount to have in a rainy-day fund. Whichever way you look at it, there’s no doubt your finances would have improved.

Or, your goal could be to start investing. A good investment can yield positive returns, which will automatically improve your financial situation.

Another goal could be to cut your expenses. Perhaps you’re burning through about $5,000 every month in bills and living expenses. So, you might want to cut down your expenses to about $3,500.

Whatever your goal is, ensure it’s realistic.

3. Increase Your Income

If you’re like most people, you probably don’t like your current financial situation because your income isn’t enough to take care of your needs.

What if your employer doubled your income? Just like that, most of your financial problems would be over.

Unfortunately, there’s no chance your employer is going to double your income, especially considering the rough year businesses have had in 2020. You could earn a slight increment, but that won’t do anything for your troubles.

You have to find real ways to increase your income substantially. If you have one job, perhaps now is the best time to pick up a second or even a third. With multiple streams of income, you’ll move closer to your financial goals, as long as your expenses don’t rise with your rising income.

There are other options that couldn’t potentially increase your income, such as starting a small business, but you need to understand the risks involved. Plus, you need adequate capital to make such an investment.

4. Cut Your Expenses

Truth be told, increasing your income in this economy is easier said than done.

This is why cutting your expenses substantially is the easier path to improving your financial situation. A lot of workers are living paycheck to paycheck not because they’re being underpaid, but because they’re living well over their means.

Don’t be like these people.

Cutting your expenses requires dedication. You need to keep your eyes fixed on the bigger goal; otherwise, it’s easy to lose your focus and give up.

To cut your expenses, start by renting a cheaper house. Moving from a house where you pay $2,500 a month to a $2K house, for instance, will make a big difference. The $500 you’ve saved can go into your savings account or even offset another bill, such as a health insurance premium.

There are also minor changes that will have a big impact. Something like canceling your multiple online streaming subscriptions, and reducing your spending on fast food, movie tickets, road trips, and other luxuries. You might not see the impact at first, but over the course of several months, the savings will add up.

5. Buy Health Insurance

Healthcare bills are the top reason Americans file for individual bankruptcy.

To avoid this from happening to you, purchase adequate health insurance. If you’re on an employer-sponsored plan, well and good. But if you’re self-employed, don’t skip buying a health insurance plan. It could save you from paying a $5,000 bill out-of-pocket when you need healthcare.

6. Invest, Invest, Invest

As your financial situation starts to improve, start investing.

By this time, hopefully, you’ve some money saved up, which you can use as investment capital. You could invest in stocks, real estate, precious metals, and/or bonds. Just be sure to get professional advice before getting started as an investor.

You Can Improve Your Financial Situation Quickly

Your current financial situation isn’t cast in stone. You can turn it around, as long as you have the will and a proper strategy. With this guide, you now know what you can do to improve your finances.

All the best and keep reading our blog for more money tips and advice.