Online businesses have certain characteristics that make them vulnerable to different types of risks. Online environment poses some serious threats, like attacks from hackers, spammers or online service functionality. Also, if you are working with confidential data from customers, you are very vulnerable to online attacks. The only method to protect your business against huge losses is to buy an internet business insurance policy. If your website is attacked, important data, like personal and financial information of your customers, will fall in the wrong hands. When such an event occurs, you will be facing not only your clients’ dissatisfaction, but also lawsuits from them.
An insurance policy designed specially for online businesses is the right way to protect your company. A lot of companies by insurance only for the equipment: computers and different accessories. However, the major risks associated with online businesses are related with the online activity: the involuntary transmission of computer viruses, losing important data or website copyright infringement. Those risks occur for almost all businesses those days, since online presence became mandatory for all professional company. Whether you sell products online, you send confidential data online or simply your company has its own website, you are exposed to potential losses.
Most insurers now offer policies that cover for online risks. There are different types of policies, and you need to buy one that’s suitable for your business. For example, a company that has a simple website, which doesn’t imply online payments of handling confidential data can get the basic package: coverage for website copy infringement of for the transmission of computer viruses.
However, if you offer sophisticated services, like selling products online, working on your clients’ confidential information or developing software for your clients, you need a lot more coverage. First of all, you need coverage for your equipment, since they tend to be fragile and expensive. Then, you need to be protected for situations like the involuntary disclosure of confident data or identity thefts.
Online businesses have a lot of advantages – low costs, the possibility to reach tens of thousands of customers from all around the world, the possibility to work directly from home. But the risks are not to be neglected. Owners of small businesses sometimes feel like paying yet another insurance policy is a useless expense, but that’s simply not true. Small businesses are particularly vulnerable to damage claims from customers, since they don’t have the money to deal with lawsuits and claims. So, even you only have a website where you sell your homemade cookies of handmade jewelry, you still need to get an insurance policy to protect you against online risks.
When you select your insurer, make sure you find one that offers you policies designed to cover the specific risks of online businesses.
Liability insurance is not optional: if you run your own business, it’s something you need to get. Liability insurance protects you against claims that come from clients and subcontractors, if an accident happens on your property. If you have a small business, such a claim can lead to bankruptcy. The only way to protect your business is to purchase liability insurance policy. Of course, your main goal is to find cheap liability insurance, and, if you shop around a little, you’ll be able to find good offers.
There are some methods that will help you to obtain an affordable price on your insurance policy. First of all, you have to demonstrate, to the insurer, that you are very careful about the safety measures. Details like the quality of the flooring, furniture and other accessories and appliances, that demonstrate you are not a high-risk client, will help you to lower the premiums. Also, if you use the same insurer for all the policies your business needs, you can negotiate a discount on your liability insurance.
Another method to cut the insurance expenses is to get a policy that only covers a part of the claims. You can cover small claims for your own pocket. You can even pick how much you can cover yourself and where you need to be covered by the insurer. For example, you can choose to cover the claims under $2000, but to be covered by the insurer for anything that exceeds that amount of money. This way, the premiums will be lower, and you will still benefit from coverage in case of big claims. However, when shopping for liability insurance, there are things much more important then the price.
You need to find a reliable, trustworthy insurer and to purchase the kind of policy that protects you against serious claims. If you have to pay a significant amount of money as damages to one of your customers, that thing can potentially disrupt your business. When you pick the insurer and the policy, think first about the coverage and then about the price.
Well, I suppose its about time I got back to this blog and wrote something new about some of the ways to make money online. The only problem with this is that a thousand other people and their dogs are also writing the same old stuff about how they wish they were making money from the Internet… its called fake it until you make it I believe.
Well, its also nice to know that of those thousands of fake it until they make its are in the main writing a load of regurgitated garbage that is not only copied and re-copied from the bowels of the A-lister’s own outpourings, but they’re almost all wrong.
Yep, you heard right. Most of what you read online about how to make money online is false. Incorrect. Erroneous. Inaccurate. Mistaken. Unfounded. Untrue. Its just plain wrong! You get the message? So all those nice articles posted on all those nice looking blogs by nice sounding people are all leading you, dear reader, up the garden path. But am I particularly upset about this?
Absolutely not!
Why on earth would I want the truth published by a thousand or so blogs about how to make money online when that would create so much competition it would hardly be worth putting up a fight. So please, don’t read anything I have to say in here about the right ways to make money online. I don’t want you knowing how to compete with me for search traffic!
Well, ok I’m not so hard, although all the SEO people might take offense at what I’m going to tell you. That’s mainly because most SEO people who charge companies and individuals a small fortune for ranking their sites for certain keywords are doing very little for their money. You see, when you think about it, what would they have to gain from telling a big company the truth about what they really do? Which is not much, really. And to be honest, most of them don’t really know what they’re doing either. Because if they really did know how to rank a site for a competitive keyword, then how come they are working for a few thousand when they could be SEO’ing their own site and be making several hundreds of thousands?
Exactly. If they really knew how to do it, they’d be doing it for themselves and not for anyone else!
Any company that realizes how simple SEO really is would not pay through the nose for some swish SEO company to come along and do what anyone with any savvy can also do.
Which is what, exactly?
Well, if you didn’t know already then it may or may not come as a huge surprise to you to learn that the biggest part of SEO… now don’t go telling anyone by the way… is obtaining strong, keyword anchored links pointing to your website’s home page and its inner pages. And not just one main keyword, but a whole host of related keywords. That’s so you will not just rank for your main keyword and get traffic for that, but you will also rank for the longer tail keywords which, when combined often generate more traffic than the main one.
So what about using social media like Twitter and Facebook? Oh, please spend all your time using them and getting lots of enthusiastic social traffic to come to your blog. Please debunk my statement about getting backlinks. Of course you don’t need them. You don’t need Google or any of the other search engines when you have good old reliable Twits to visit your site. Ouch, you can feel the rasping abrasive edge of his sarcasm, can’t you?
So why doesn’t this blog rank for anything?
Doesn’t it? Ok, whatever you say. I don’t really care about this blog, as to be perfectly honest, the time and effort I would have to expend on getting this to rank for the popular “make money” terms would be more than enough to rank top in the other, less competitive niches, where I just so happen to have a small army of websites doing just that!
Why on earth would I want to waste all that time and energy when it is much better spent getting links for my money making niche sites that allow me to work from home and have the Internet as my sole source of income? That’s probably the one point that 95% of all Internet marketers don’t get. They all waste their time and energy trying to crack into the “make money” niche, because that’s what all the A-listers say they should do. So. please, go right ahead and go for it. You’ll fail, but go for it and keep out of my niches, because I don’t want the competition, especially from anyone who might just have an inkling what to do in order to compete with me!
So what are these ways to make money online?
Build a decent website in a niche that is not competitive but still commands some decent traffic. Then spend your time getting links for it. Build supporting sites that you can also link to and they can also link to your money making site. Don’t stick to just one niche, but branch out into others and diversify your income stream. Monetise with different programs, such as Adsense, affiliate products, eBay and Amazon. Try other things like lead generation. When you get the traffic from the search engines, that traffic will buy what you’re selling on your site, so sell them stuff they’ll want. Rinse and repeat.
That’s it really, in a nutshell. There’s nothing much more involved, to be perfectly honest. A thousand blogs all leading you down the wrong road with umpteen thousands of articles all telling you a load of absolute rubbish when in reality the actual cold hard truth all fits nicely into one single paragraph!
A last word about why this post isn’t particularly specific an any particular area. I’ve been helpful in the past and it has been to my own detriment with people causing me problems by exposing my sites and networks and causing mischief. So I’m not going to be so helpful any more, but I still need lots of keyword rich posts which need to be pretty long and pretty relevant to the keywords that I am looking to target. Even in this niche where I’m not spending much time or effort to try to rank for any particular money making keywords. Ok, well maybe just a few…
Never give up!
How To Make Money Online SEO Hints
