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Time is our most valuable resource, but it’s also often the most mismanaged. When you’re juggling the efforts of multiple people working on the same project, the struggle of time management becomes amplified. You don’t necessarily want to monitor an employee’s every move, but you do need to know where they are in their work The post Streamlining team workflows: The power of shared time tracking for project success appeared first on RescueTime Blog. View the full article

There was a time when artists representing two of America’s biggest homegrown musical genres wouldn’t get a look in at the Grammys. Hip-hop and house both have their origins in the 1970s and early 1980s—in fact, they recently celebrated a 50th and 40th birthday, respectively. But it was only in 1989 that an award category for “best rap performance” started recognizing hip-hop’s contribution to U.S. music, and house had to wait another decade, with the introduction of “best dance/electronic recording” in 1998. At this year’s awards, taking place on February 2, hip-hop and house artists will be among the most talked about. House duo Justice and Kendrick Lamar, a hip-hop superstar who incorporates elements of house himself, are among those looking to pick up an award. Meanwhile, a nomination for a collaboration between DJ Kaytranada and rapper Childish Gambino shows how artists from both genres continue to feed off each other. And while both genres are now celebrated for their separate contributions to the music landscape, as a scholar of African American culture and music, I am interested in their commonality: Both are distinctly Black American art forms that originated on the streets and dance floors of U.S. cities, developing a devoted underground following before being accepted by—and transforming—the mainstream. The pulse of the 1970s The roots of hip-hop and house music both lie in the seismic shifts of the late 1970s, a period of sociopolitical unrest and electronic experimentation that redefined the possibilities of sound. For hip-hop, this was expressed through the turntable manipulation pioneered by DJ Kool Herc in 1973, when he extended and looped breakbeats to energize crowds. House music’s innovators turned to the drum machine to create the genre’s foundational four-on-the-floor dance rhythm. That rhythm, foreshadowed by Eddy Grant’s 1977 production of “Time Warp” by the Coachouse Rhythm Section, would go on to shape house music’s distinct pulse. The track showed how electronic instruments such as the synthesizer and drum machine could recast traditional rhythmic patterns into something entirely new. This dance vibe—in which a base drum provides a steady four-four beat—became the heartbeat of house music, creating an enduring structure for DJs to layer bass lines, percussion, and melodies. In a similar way, Kool Herc’s breakbeat manipulation provided the scaffolding for MCs and dancers in hip-hop’s formative years. Marginalized communities in urban centers like Chicago and New York were at the forefront of these innovations. Despite experiencing grinding poverty and discrimination, it was Black and Latino youth—armed with turntables, drum machines, and samplers—who made these groundbreaking advances in music. For hip-hop, this meant manipulating breakbeats from songs like Kraftwerk’s “Trans-Europe Express” and “Numbers” to energize B-boys and B-girls; for house, it meant extending disco’s rhythmic pulse into an ecstatic, inclusive dance floor. Both genres exemplified—and continue to exemplify—the ingenuity of predominantly Black and Hispanic communities who turned limited resources into cultural revolutions. From this shared origin of technological experimentation, cultural resilience and creative ingenuity, hip-hop and house music grew into distinct yet globally influential movements. The message and the MIDI By the early 1980s, both genres had found their feet. Hip-hop emerged as a powerful voice for storytelling, resistance and identity. Building on the foundations laid down by DJ Kool Herc, artists like Afrika Bambaataa emphasized hip-hop’s cultural and communal aspects. Meanwhile, Grandmaster Flash elevated the genre’s technical artistry with innovations like cutting and scratching. By 1984, hip-hop had evolved from its grassroots beginnings in the Bronx into a cultural movement on the cusp of mainstream recognition. Run-DMC’s self-titled debut album released that year introduced a harder, stripped-down sound that departed from disco-influenced beats. Their music, paired with the trio’s Adidas tracksuits and gold chains, established an aesthetic that resonated far beyond New York City. Music videos on MTV gave hip-hop a new medium for storytelling, while films like Beat Street and Breakin’ showcased the features and tenets of hip-hop culture: DJing, rapping, graffiti, breaking and knowledge of self – cementing its cultural presence, and presenting it to a world outside the U.S. But at its core, hip-hop remained a voice for the voiceless that sought to address systemic inequities through storytelling. Tracks like Grandmaster Flash and the Furious Five’s “The Message” vividly depicted the reality of living in poor, urban communities, while Public Enemy’s “Fight the Power” and Tupac Shakur’s “Keep Ya Head Up” became anthems for social justice. Together these artists positioned hip-hop as a platform for resistance and empowerment. Becoming a cultural force Unlike hip-hop’s lyrical storytelling, house music focused on the physicality of rhythm and the collective experience of the dance floor. And as hip-hop moved away from disco, house leaned into it. Italy’s “father of disco,” Giorgio Moroder, showed the way with his pioneering use of synthesizers in Donna Summer’s “I Feel Love.” Over in New York, Larry Levan’s DJ sets at Paradise Garage demonstrated how electronic instruments could create immersive, emotionally charged experiences as a club that centered crowd participation through dance and not lyrics. By 1984, Chicago DJs Frankie Knuckles and Ron Hardy were repurposing disco tracks with drum machines like the Roland TR-808 and 909 to create hypnotic beats. Knuckles, known as the “Godfather of House,” transformed his sets at the Warehouse club into euphoric experiences, giving the genre its name in the process. House music thrived on inclusivity, served as a safe space for Black and Latino members of the LGBTQ+ communities at a time when hip-hop was severely unwelcoming of gay men. Tracks like Jesse Saunders’s “On & On” and Marshall Jefferson’s “Move Your Body” celebrated freedom, love, and unity, encapsulating its liberatory spirit, as rap music and hip-hop culture embarked on its mainstream journey with songs like Run DMC’s “Sucker M.C.s (Krush Groove)” and Salt-N-Pepa debuted their album Hot, Cool, & Vicious. As with hip-hop, by the the mid-1980s house music had become a cultural force, spreading from Chicago to Detroit to New York and, eventually, to the U.K.’s rave scene. Its emphasis on repetition, rhythm, and electronic instrumentation solidified its global appeal, uniting people across identities and geographies. Mainstays in modern music Despite their differences, moments of crossover highlight their shared DNA. From the late 1980s, tracks like “Yo Yo Get Funky” by Fast Eddie and “I’ll House You” by the Jungle Brothers merged house beats with hip-hop’s lyrical flow. Artists like Kaytranada and Doechii continue to blend the two genres today, staying true to the genres’ legacies while pushing their boundaries. And technology continues to drive both genres. Platforms like SoundCloud have democratized music production, allowing emerging artists to build on the decades of innovations that preceded them. Collaborations, such as Disclosure and Charli XCX’s “She’s Gone, Dance On,” highlight their adaptability and enduring appeal. Whether through hip-hop’s lyrical narratives or house’s rhythmic euphoria, these genres continue to inspire, challenge and transcend. As the 2025 Grammy Awards celebrate today’s leading house and hip-hop artists and their contemporary achievements, it is clear that the legacies of these two genres are mainstays in the kaleidoscope of American popular music and culture, having come a long way from back-to-school park jams and underground dance parties. Joycelyn Wilson is an assistant professor of ethnographic and cultural studies at the Georgia Institute of Technology. This article is republished from The Conversation under a Creative Commons license. Read the original article. View the full article

US Secretary of State Marco Rubio says Central American nation is violating canal treaty’s neutrality clause View the full article

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Plus specifics on revenue potential. By Rob Santos The Holistic Guide to Wealth Management Go PRO for members-only access to more Rory Henry. View the full article

Plus specifics on revenue potential. By Rob Santos The Holistic Guide to Wealth Management Go PRO for members-only access to more Rory Henry. View the full article

Tariffs on Canada, Mexico and China will harm America’s own economy and diplomatic powerView the full article

Despite improvements, substantial issues remain. By CPA Trendlines Research Go PRO for members-only access to more CPA Trendlines Research. View the full article

Despite improvements, substantial issues remain. By CPA Trendlines Research Go PRO for members-only access to more CPA Trendlines Research. View the full article

Canva is great for any business seeking an integrated tool that makes it easy to create business cards. But when it comes to making business cards, what is Canva capable of? In this article, we’ll show you step-by-step how individuals and small teams can make professional-looking business cards using Canva. Can You Use Canva to Create Business Cards? Individuals and small teams can utilize Canva to design business cards at no cost. You can choose from a variety of pre-made templates or start a design from scratch. Why You Should Create a Canva Business Card Creating business cards with Canva is a great way to make sure they’re professional and stylish. Here are five reasons why: Branding. You can create a unique design that reflects your brand. Templates. Canva offers a wide range of templates, so you can find the perfect one for your business. Easy to personalize. You can easily add your logo and contact information. Easy to use. Canva’s drag-and-drop interface makes it easy to design your business card. Easy to order. After designing your business card, you can easily order some using Canva Print. How to Create Your Own Business Cards on Canva Let’s talk about how to create your digital business card in Canva, which you can also print for offline use. To create and download designs: 1. Signup or Login After signing up for a Canva account or logging into an existing one, hover over “Templates” and click on “Business Cards.” 2. Select a Template After finding a template you like, click on it, then click “Customize this template.” 3. Add or Remove Images To remove images, click the image and hit delete or backspace on your keyboard. To add images like a logo or other graphics for your brand, use the “Photos” and “Elements” sections. You can also upload images for your business cards in “Uploads.” 4. Modify the Background To change the background of your design, click on “Background” to the left and select a new one. 5. Modify Text and Fonts To change the text, including your contact information and company name, just click on the text. Next, click the font box and choose from a variety of available font styles. 6. Download Your Business Card Design Download your design by clicking “Share” at the top right of your screen, then “Download.” Modify the download settings to your liking, then click the “Download” button. How to Print Business Cards from Canva Canva is undoubtedly the best place to buy business cards. Now, let’s go over how to print your business cards from Canva. Click “Print Business Cards.” Located at the top right of your screen, next to “Share.” Set your print options. Choose “Single-sided” or “Double-sided,” pages to print, paper type, finish, and the number of business cards to print. Remove gaps. See any gaps around the edges of your design? Then stretch your background as shown in Canva. Danger zone. If you see text or images on the red border, move them so they’re not cut off on your business cards. Download proof. Download a PDF proof of your business card design to check for mistakes. Shipping details. Set the shipping speed, then enter your name and address. Confirm and pay. Confirm your order details, then click “Place Order.” How to Print Multiple Business Cards from Canva Below, we will show you how to print multiple business cards from Canva when you have more than two pages. Click on the “Print Business Cards” button. This button is to the left of the “Share” button. Print options. Set all of the options to your liking. Notice the price is doubled since you’ll be printing two different business cards. Get rid of gaps. Follow Canva’s on-screen instructions to remove any gaps around the edges of your design. Avoid the danger zone. Remove any images or text from the red danger zone. Check for errors. Download the PDF proof of your design to check for any errors. Set shipping options. Choose between “Economy,” “Standard,” and “Express Shipping.” Pay for your order. When you’re positive your order details are correct, click “Place Order.” Best Canva Business Card Templates Here are five of the best professionally designed business card template designs on Canva: Restaurant Template This business card design is great for restaurant owners. Yoga Instructor Business Cards This template is perfect for Yoga instructors. Green Lush Leaves Landscaping Business Card Here’s a simple yet elegant design for landscapers. Lawyer Business Card This template design is a good option for law firms. Chef Catering Restaurant Business Card Here’s a design that bakers or caterers would love. Canva Business Card Tips Below are five tips for creating amazing Canva business cards that will stand out from the competition: Use high-quality images. Use only high-resolution images so your cards look sharp and professional. Keep it simple. Stick to the essentials like your name, title, name of your company, and contact information. Incorporate branding elements. Include your company’s logo, color scheme, and other branding features to ensure your business card is easily recognizable. Get creative. Being creative could be as simple as experimenting with different sans serif fonts which is the best font for business cards. Use high-quality paper for printing. Ensure that your cards are printed on high-quality paper to achieve a professional appearance and texture. How long does it take to make a business card in Canva? Creating a business card on Canva is straightforward, thanks to their templates and various tools, and can be completed in just a few minutes. How do you make business cards vertical on Canva? Vertical business cards are distinct from traditional ones, and creating them on Canva is a straightforward process. Follow these steps: After logging in, hover over “Templates” and click on “Business Cards.” Click on “Portrait” in the left margin under the “Format” section. Select your vertical design and click “Customize this template.” Modify your images and text to match your brand. Download your design when you’re done by clicking on “Share,” then “Download,” and finally on the “Download” button. How do you make a business card front and back in Canva? To create a business card in Canva that has a front and back is simple. Let’s briefly go over the steps: Login, then hover over “Templates” clicking on “Business Cards” afterward. Choose the template you’d like to work with and click on “Customize this template.” If the template only has one page, you’ll need to add a second page. The first page will be the front of your business card, and the second page will be the back. Make sure your images and text are consistent with your brand. When you’re finished designing your business card, click “Share,” then “Download,” and “Download” again to save your design to your computer. What size are business cards in Canva? Canva business cards are sized 3.5×2 inches which is close to the size of a bank card. This makes them easy to put in your wallet. Image: Envato Elements This article, "How to Make Business Cards on Canva" was first published on Small Business Trends View the full article

Canva is great for any business seeking an integrated tool that makes it easy to create business cards. But when it comes to making business cards, what is Canva capable of? In this article, we’ll show you step-by-step how individuals and small teams can make professional-looking business cards using Canva. Can You Use Canva to Create Business Cards? Individuals and small teams can utilize Canva to design business cards at no cost. You can choose from a variety of pre-made templates or start a design from scratch. Why You Should Create a Canva Business Card Creating business cards with Canva is a great way to make sure they’re professional and stylish. Here are five reasons why: Branding. You can create a unique design that reflects your brand. Templates. Canva offers a wide range of templates, so you can find the perfect one for your business. Easy to personalize. You can easily add your logo and contact information. Easy to use. Canva’s drag-and-drop interface makes it easy to design your business card. Easy to order. After designing your business card, you can easily order some using Canva Print. How to Create Your Own Business Cards on Canva Let’s talk about how to create your digital business card in Canva, which you can also print for offline use. To create and download designs: 1. Signup or Login After signing up for a Canva account or logging into an existing one, hover over “Templates” and click on “Business Cards.” 2. Select a Template After finding a template you like, click on it, then click “Customize this template.” 3. Add or Remove Images To remove images, click the image and hit delete or backspace on your keyboard. To add images like a logo or other graphics for your brand, use the “Photos” and “Elements” sections. You can also upload images for your business cards in “Uploads.” 4. Modify the Background To change the background of your design, click on “Background” to the left and select a new one. 5. Modify Text and Fonts To change the text, including your contact information and company name, just click on the text. Next, click the font box and choose from a variety of available font styles. 6. Download Your Business Card Design Download your design by clicking “Share” at the top right of your screen, then “Download.” Modify the download settings to your liking, then click the “Download” button. How to Print Business Cards from Canva Canva is undoubtedly the best place to buy business cards. Now, let’s go over how to print your business cards from Canva. Click “Print Business Cards.” Located at the top right of your screen, next to “Share.” Set your print options. Choose “Single-sided” or “Double-sided,” pages to print, paper type, finish, and the number of business cards to print. Remove gaps. See any gaps around the edges of your design? Then stretch your background as shown in Canva. Danger zone. If you see text or images on the red border, move them so they’re not cut off on your business cards. Download proof. Download a PDF proof of your business card design to check for mistakes. Shipping details. Set the shipping speed, then enter your name and address. Confirm and pay. Confirm your order details, then click “Place Order.” How to Print Multiple Business Cards from Canva Below, we will show you how to print multiple business cards from Canva when you have more than two pages. Click on the “Print Business Cards” button. This button is to the left of the “Share” button. Print options. Set all of the options to your liking. Notice the price is doubled since you’ll be printing two different business cards. Get rid of gaps. Follow Canva’s on-screen instructions to remove any gaps around the edges of your design. Avoid the danger zone. Remove any images or text from the red danger zone. Check for errors. Download the PDF proof of your design to check for any errors. Set shipping options. Choose between “Economy,” “Standard,” and “Express Shipping.” Pay for your order. When you’re positive your order details are correct, click “Place Order.” Best Canva Business Card Templates Here are five of the best professionally designed business card template designs on Canva: Restaurant Template This business card design is great for restaurant owners. Yoga Instructor Business Cards This template is perfect for Yoga instructors. Green Lush Leaves Landscaping Business Card Here’s a simple yet elegant design for landscapers. Lawyer Business Card This template design is a good option for law firms. Chef Catering Restaurant Business Card Here’s a design that bakers or caterers would love. Canva Business Card Tips Below are five tips for creating amazing Canva business cards that will stand out from the competition: Use high-quality images. Use only high-resolution images so your cards look sharp and professional. Keep it simple. Stick to the essentials like your name, title, name of your company, and contact information. Incorporate branding elements. Include your company’s logo, color scheme, and other branding features to ensure your business card is easily recognizable. Get creative. Being creative could be as simple as experimenting with different sans serif fonts which is the best font for business cards. Use high-quality paper for printing. Ensure that your cards are printed on high-quality paper to achieve a professional appearance and texture. How long does it take to make a business card in Canva? Creating a business card on Canva is straightforward, thanks to their templates and various tools, and can be completed in just a few minutes. How do you make business cards vertical on Canva? Vertical business cards are distinct from traditional ones, and creating them on Canva is a straightforward process. Follow these steps: After logging in, hover over “Templates” and click on “Business Cards.” Click on “Portrait” in the left margin under the “Format” section. Select your vertical design and click “Customize this template.” Modify your images and text to match your brand. Download your design when you’re done by clicking on “Share,” then “Download,” and finally on the “Download” button. How do you make a business card front and back in Canva? To create a business card in Canva that has a front and back is simple. Let’s briefly go over the steps: Login, then hover over “Templates” clicking on “Business Cards” afterward. Choose the template you’d like to work with and click on “Customize this template.” If the template only has one page, you’ll need to add a second page. The first page will be the front of your business card, and the second page will be the back. Make sure your images and text are consistent with your brand. When you’re finished designing your business card, click “Share,” then “Download,” and “Download” again to save your design to your computer. What size are business cards in Canva? Canva business cards are sized 3.5×2 inches which is close to the size of a bank card. This makes them easy to put in your wallet. Image: Envato Elements This article, "How to Make Business Cards on Canva" was first published on Small Business Trends View the full article

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If you’re a small business owner, it’s no secret how important invoicing is in keeping your cash flow flowing. However, knowing which invoicing software to use can be tricky as the market is flooded with options. Luckily, we’ve researched for you and put together an up-to-date list of the best invoicing software for small business owners. Let’s take a look at the best invoicing software options available that can help simplify your billing process and promote effective financial management for your business. What Is Invoicing Software? Invoicing software is a software program that helps businesses keep track of their invoices and payments. It can help businesses create, send, and track invoices and keep tabs on when payments are due and received. Invoicing software can also help businesses manage their finances by tracking spending and creating reports. Some invoicing software programs also integrate with other financial software, such as accounting software or payment processors, making it easier for businesses to track all their financial data in one place. READ MORE: How Small Businesses Can Invoice and Collect More Efficiently Top Invoicing Software for Small Businesses: Our Methodology Choosing the right invoicing software is a crucial step for small businesses, impacting how you manage your transactions, cash flow, and customer relationships. The perfect tool should simplify your work, ensure you’re organized, and help you get paid promptly. In selecting the top invoicing software suitable for businesses and freelancers, we’ve considered a variety of factors. Each criterion is rated on a scale from 10 (most critical) to 1 (least critical), to ensure that our recommendations cater to the needs of efficient billing and financial management. Ease of Use and User Interface: Importance 10/10 Intuitive design for easy navigation and use. Simple process for creating and sending invoices. Clear and accessible layout for tracking payments and expenses. Customization and Flexibility: Importance 9/10 Options to customize invoice templates and branding. Flexibility to handle different billing scenarios and tax settings. Capability to accommodate various currencies and languages. Integration Capabilities: Importance 8/10 Seamless integration with accounting software and payment gateways. Compatibility with other business tools (CRM, project management, etc.). Ability to synchronize data across platforms. Automation and Efficiency Features: Importance 8/10 Automated invoicing and recurring billing features. Reminders and alerts for overdue payments. Efficiency tools like bulk invoicing and expense tracking. Security and Data Protection: Importance 7/10 Robust security measures to protect financial data. Compliance with financial regulations and data privacy laws. Reliable backup and data recovery options. Reporting and Analytics: Importance 6/10 Comprehensive reporting features for financial insights. Real-time analytics on cash flow and business performance. Customizable reports for accounting and tax purposes. Customer Support and Resources: Importance 5/10 Access to responsive customer support. Availability of help resources, tutorials, and guides. Community forums or user groups for additional support. Pricing and Value for Money: Importance 5/10 Transparent and competitive pricing structures. Scalable plans are suitable for different business sizes. Free trials or demos to evaluate software features. Through this thorough examination, we identify invoicing software options that encompass not just the technical requirements but also contribute to a smoother, more efficient financial workflow for small business owners. Top Invoicing Software Solutions Before digging too deeply into the list, here is a quick reference table that lets you quickly compare the top invoice software options: SoftwareKey FeaturesPricing Zoho InvoiceCraft professional invoices, bill in multiple currencies, automate payment remindersFree Quickbooks OnlineCreate and track invoices on the go, integrate with popular third-party appsStarts at $15 per month Square InvoicesSend digital invoices and estimates, enable pay later optionForever-free plan, $20 monthly plan BrightpearlTailored for retail businesses, handles proforma and actual invoicesFlexible pricing based on business needs PaySimpleIntegrates invoicing with payments, ideal for service-based businessesStarts at $69.95 per month FreshBooksCloud-based accounting software, automated invoicing, online payment acceptanceStarts at $16.50 per month WaveBudget-friendly invoicing software, customized invoices, automated billingFree InvoiceSimpleIntuitive invoicing app, easy invoicing for small businesses and freelancersFree Sage IntacctIdeal for merchants with complex invoicing flow, real-time payment status visibilityPricing based on selected features XeroCustomizable online invoices, automatic reminders, accept instant paymentsStarts at $25 per month XeroCustomizable online invoices, automatic reminders, and instant online payments.Starts at $25 per month Invoice2goCreate invoices on the spot, send via various channels, and customizable invoice templates.Starter plan at $5.99 per month ChargeBeeAutomates recurring billing, supports multiple currencies and subscription models, real-time analytics for performance.Free plan available HarvestEfficient time-based invoicing, automatic invoicing, integrated payments, and client management.Free-forever plan, $12 per user/month Invoice NinjaFree invoicing tool, quote and invoice creation, tracking payments, and setting up recurring invoices.Free plan available InvoiceraTotal invoice and billing management, customization options, and control of multiple businesses through a single account.Starter plan available for free HiveageSimplified invoicing, payment and cash management, easy tax calculation, and discounts.Free plan available BillBooksIntelligent invoicing platform, assisted scheduling, automatic payment reminders, and mobile-optimized invoicing app.Starting at $7.95 per month ZipBooksInvoicing and automation of the billing process, unlimited invoices and payment tracking.Free invoicing tool Bill.comManaging accounts payable and accounts receivable, track payments, request money, and schedule payments.Starting at $45 per user/month SliQ InvoicingSimple and powerful invoicing program, unlimited invoices and quotes, easy setup and usage.£6 (or $7.3) monthly plan Here are the top invoicing software programs to pick the best invoicing solution for your business: Zoho Invoice Zoho Invoice is a free online invoicing software program for small businesses. It enables you to craft professional invoices, bill in the currency you want, and automate payment reminders. With Zoho Invoice, you can even automate recurring invoices. It simplifies billing so you can focus better on your business. The Zoho Invoice tool is available for free. Quickbooks Online QuickBooks Online makes it easy to create and track invoices on the go. SMB owners can store HSN/SAC codes, generate invoices, and automatically calculate payable taxes. QuickBooks Online ensures breezy invoicing and payment clearance. It also integrates well with hundreds of popular third-party apps. The base plan of QuickBooks Online costs $15 per month. Higher plans with features such as expense tracking, analytics, and inventory management are also available. Square Invoices Square Invoices is an easy-to-use tool for sending digital invoices and estimates. It enables businesses to create invoices, track payments and monitor analytics from one place. Square Invoices even allows businesses to enable the pay later option. It’s an ideal tool for managing your transactions while maintaining customer relationships. Square Invoices has a forever-free plan with all invoicing features. It also has a $20 monthly plan with more finance management utilities. Brightpearl Brightpearl is a software package tailored to the invoicing needs of retail businesses. It offers various features to handle and process proforma and actual invoices. Brightpearl has flexible pricing and invoicing features to manage cash flow efficiently. You can even keep track of part payments and bank deposits and have a bird’s eye view of each payment status. Brightpearl tailors its pricing to business needs. READ MORE: How to Create an Invoice That Gets Paid PaySimple PaySimple integrates invoicing with payments to simplify small business operations. It’s beneficial for service-based businesses that need to handle payments from multiple points of sale. PaySimple makes the workflow manageable with its online invoicing and easy processing of online payments. Pricing for PaySimple starts at $69.95 per month. FreshBooks FreshBooks is a cloud-based accounting software designed with small businesses in mind. It puts invoicing on autopilot. The professional automated invoicing of FreshBooks enables the quick creation of clean and customizable invoices. You can also accept payments online, track their status, and send reminders for late payments. FreshBooks’ pricing starts at $16.50 per month for unlimited billable clients. Higher plans with better tracking, analytics, and reports are also available. Wave Wave is a budget-friendly invoicing software solution for small businesses. It takes care of all the invoicing and payment needs. The information is synced with the customer’s info. Wave app helps in creating customized invoices and automating the billing process. You can even set up recurring invoices and automate payment processing for repeat customers. Wave invoicing app is free for invoicing. InvoiceSimple InvoiceSimple is an easy-to-use invoicing app for business owners. It touts itself as the simplest way for small businesses and freelancers to invoice customers. Invoice Simple makes invoicing straightforward for businesspeople. It allows invoicing via mobile and laptop to help you stay organized throughout. You can try Invoice Simple for free. Sage Intacct Sage Intacct is ideal for merchants with a complex invoicing flow who need granular control over the process. This powerful tool provides complete control and customization over invoicing with real-time visibility of payment status. A subscription to Sage Intacct includes access to a community of industry peers. Business owners can interact with them and get support and industry updates. The pricing of Sage Intacct’s plans depends on the features you select for your business. Xero Xero online invoicing is another intuitive tool for small businesses. It enables you to customize your online invoices, set automatic reminders, and invoice directly from the app. You can choose from custom, ready-made, or pre-set invoices without leaving the app. With Xero, you can also accept instant payments online. It makes it easy for customers to pay you. Pricing plans for Xero start at $25 per month, with higher plans for comprehensive accounting tools. READ MORE: 12 Printable Invoice Template Options More Invoicing Software Options for Small Business Here are some more billing and invoicing software for small businesses: Invoice2go Invoice2go is an easy-to-use, mobile-friendly invoicing tool to create invoices on the spot. It enables business owners to send invoices via email, messenger, and even text. For new businesses, Invoice2go is a time-saver. You can customize the business logo, fonts, and colors and create an invoice immediately. Invoice2go has a range of plans, with the Starter plan at $5.99 per month. ChargeBee ChargeBee is a widely used invoicing software for small businesses in the SaaS and subscription industry. It automates recurring billing, eliminating the need for manual invoice processing. ChargeBee supports various currencies and subscription models, allowing you to manage a global customer base. Additionally, you can access real-time analytics to monitor your invoicing performance effectively. ChargeBee has a free plan, offering essential invoicing and subscription management features. Higher plans are also available. Harvest Harvest is an online invoicing and billing software tool that automates time-based invoicing efficiently. It’s the most suitable for businesses providing services. Harvest allows for automatic invoicing, integrated payments, and client management, all in one place. Depending on availability, you can bill clients automatically or assign work to your team. Harvest has a free-forever plan for one user. It has a $12 per user per month plan for multiple users and projects. Invoice Ninja Invoice Ninja is a free-to-use invoicing tool. It enables business owners to quote, invoice, and take payments for free. It also helps track billable time, auto-invoicing, and setting up recurring invoices. The facility to take advance deposits and partial payments further eases the troubles. You can even set up a client-side invoice & payment portal with Invoice Ninja. Invoice Ninja has a free plan along with higher plans for more features. READ MORE: How Zoho Invoice Will Help Your Business – for FREE Invoicera Invoicera is a total invoice and billing management system. It supports all types of businesses, from small businesses to enterprises. Invoicera easily integrates with existing business management tools to be customized as per the business. And it allows one person to control multiple businesses through a single account. Invoicera’s Starter plan is offered for free but comes with limited features. Upgrading to higher plans provides access to more advanced functionalities. Hiveage Hiveage is a cloud-based invoicing tool for small businesses. It doesn’t burden you with a host of accounting features. With Hiveage, you can manage payments and cash with ease. Its simplified interface makes it easy to bill clients and keep track of revenue. You can easily enter regular tax amounts, discounts, and shipping charges. Hiveage starts with a free plan. Upgraded plans are also available, giving access to many more features. BillBooks Billbooks is an online invoicing platform built specifically for small businesses. It’s an intelligent tool that speeds up invoicing. It offers assisted scheduling and automatic payment reminders for different time zones to ensure more efficient payments. Billbooks is a mobile-optimized invoicing app that simplifies invoicing and payments. The pricing for Billbooks has been designed keeping small businesses in mind. The base price is $7.95 per month. ZipBooks Zipbooks is a vital invoicing software for small businesses that helps streamline and automate the billing process. It supports unlimited invoices and payment tracking. Zipbooks offers numerous useful features, including the ability to create estimates and manage customer payments all in one location. Additionally, it provides tools for time-tracking and automated billing. Zipbooks is a free invoicing tool with more features available on higher plans. Bill.com Bill.com is an online invoicing tool to save time and money. It lets business owners manage accounts payable as well as accounts receivable. You can efficiently keep track of payments, request money and schedule payments. Its two-way sync with accounting software makes invoicing easier. So, managing financial transactions is a breezy experience with Bill.com. The starting plan of Bill.com is priced at $45 per user per month. SliQ Invoicing SliQ Invoicing is a simple yet powerful invoicing program for small businesses. It lets business owners create invoices, payment reminders, and record payments. It’s simple to set up and use. And you can send unlimited invoices and quotes. SliQ Invoicing also helps handle invoices for multiple businesses with one admin panel. SliQ Invoicing has a £6 (or $7.3) monthly plan. You can upgrade to a higher plan to onboard more team members. Why You Should Consider Using Invoicing Software for Small Business Here are key reasons why you should use invoicing software in your business: Invoice software often includes features that save time, such as the ability to create and send invoices quickly, automatic invoice numbering, and the option to save frequently used phrases or paragraphs. With invoicing software, you can also track payments and expenses. This information can be helpful when preparing tax returns or other financial documents. Online invoicing lets you see when online payments are made and received, which can help you keep tabs on your cash flow and budget. A well-designed invoice that is easy to read will give a good impression to your customers. Last but not least, most invoicing software allows you to understand your business better. This is because analytics provided by those software applications can help you understand which products sell fast and which ones move slower. READ MORE: The Manual Dilemma: 4 Ways To Streamline Invoicing Maximizing Efficiency with Invoicing Software for Small Businesses Enhanced Features of Invoicing Software Automation and Time Management: Invoicing software automates many of the mundane tasks associated with billing, such as data entry, calculations, and invoice tracking. This automation significantly reduces the time spent on invoicing, allowing small business owners to focus on other critical aspects of their business. Improved Accuracy and Professionalism: The use of invoicing software minimizes errors that can occur with manual invoicing. It ensures accuracy in calculations and consistency in the presentation of invoices, enhancing the professional image of the business. Real-Time Financial Overview: Invoicing software provides a real-time view of the business’s financial health. It tracks outstanding invoices, payments received, and overall cash flow, offering valuable insights for informed decision-making. Seamless Integration with Other Systems: Numerous invoicing software for small business solutions easily connect with various business systems, including accounting software, CRM tools, and payment gateways. This integration enhances the flow of financial data, making financial management more straightforward. Customization and Branding: Invoicing software often allows for the customization of invoice templates. Businesses can add their logos, brand colors, and personalized messages, aligning the invoices with their brand identity and enhancing the overall customer experience. Navigating the Challenges of Invoicing Software Cost Considerations: While many invoicing software options offer free basic plans, more advanced features might come at a cost. Small businesses need to evaluate the cost-benefit ratio to determine if the additional features are worth the investment. Adaptation and Training: Integrating new software into existing business processes may require training for staff. Businesses must consider the time and resources needed for effective adaptation to the new system. Dependence on Technology: Reliance on invoicing software means being susceptible to technical issues or service downtimes. Small businesses should have contingency plans in place to address any potential disruptions. Data Security and Privacy: With financial data being stored and managed digitally, ensuring data security and privacy becomes paramount. It’s essential to choose software that offers robust security features to protect sensitive information. Making the Most of Invoicing Software Leveraging Data for Strategic Insights: Invoicing software for small businesses offers valuable data that can be analyzed to gain insights. By understanding payment patterns, client behavior, and sales trends, businesses can make informed strategic decisions to foster growth. Enhancing Customer Relations: Prompt and accurate invoicing, coupled with professional presentation, contributes to a positive customer experience. This can lead to improved customer satisfaction and retention. Streamlining Tax Preparation: The comprehensive financial records maintained by invoicing software simplify the process of tax preparation. Accurate and organized financial data can make tax reporting more efficient and accurate. Invoicing software offers a multitude of benefits for small businesses, from improving efficiency and accuracy to providing strategic business insights. However, it’s crucial to consider the potential challenges and ensure that the chosen software aligns with the business’s specific needs and capabilities. With the right approach, invoicing software can be a powerful tool in the arsenal of a small business, contributing significantly to its operational efficiency and financial health. What Is the Best Free Invoicing Software for Small Businesses? When it comes to finding the best free invoicing software for small businesses, Zoho Invoice emerges as the top choice. With its user-friendly interface and robust features, Zoho Invoice provides small business owners with a comprehensive solution for managing invoices effectively. From creating professional-looking invoices to tracking payments and generating insightful reports, Zoho Invoice offers a seamless invoicing experience. If you’re looking for more options in the realm of free billing software, Wave, FreshBooks, and Invoicera are worthy contenders. Wave stands out for its simplicity and versatility, offering invoicing, accounting, and receipt scanning features. On the other hand, FreshBooks combines user-friendly invoicing tools with advanced accounting capabilities, making it suitable for small businesses with more complex financial needs. Invoicera provides a range of invoicing features along with expense management and time-tracking functionalities, making it a well-rounded choice for small business owners. Whether you choose Zoho Invoice, Wave, FreshBooks, or Invoicera, these free invoicing software options empower small business owners to streamline their billing processes, save time, and ensure prompt payment collection. Take advantage of the features and capabilities offered by these software solutions to enhance your invoicing efficiency and maintain a healthy cash flow for your business. What Is the Best Way to Create Invoices for Your Business? By choosing the appropriate invoicing software for small businesses, you can experience numerous benefits that extend beyond just utilizing free customizable invoice templates. Here are some advantages of selecting the right invoicing software: Efficient Invoice Creation: With the right invoicing software, you can quickly and easily create professional invoices. These software solutions offer intuitive interfaces and pre-designed invoice templates that can be customized to suit your branding and specific needs. This saves you time and ensures that your invoices are accurate, consistent, and visually appealing. Seamless Estimate Generation: Invoicing software often includes the functionality to create estimates or quotes for your clients. This enables you to provide detailed cost breakdowns and project timelines to potential customers, helping you secure more business. The ability to convert estimates into invoices with a few clicks streamlines your workflow and eliminates manual data entry. Overdue Invoice Tracking: Keeping track of overdue invoices is crucial for maintaining a healthy cash flow. Premium invoicing software allows you to set up automated reminders and notifications for overdue payments. This helps you stay on top of outstanding invoices, send reminders to clients, and take necessary actions to collect payments promptly. Invoice Customization: The right invoicing software offers extensive customization options, allowing you to tailor your invoices to reflect your brand identity. You can add your logo, choose colors that align with your brand, and include personalized messages or terms and conditions. This level of customization helps create a professional image for your business and reinforces your brand identity. Time-Saving Automation: Premium invoicing software often includes automation features that can significantly reduce manual tasks. These features may include recurring invoice generation, automated payment reminders, and integration with payment gateways for seamless online payment processing. By automating repetitive tasks, you can save time and focus on other aspects of running your small business. In short, utilizing the features and capabilities offered by the right invoicing software will streamline your invoicing processes, enhance professionalism, improve cash flow management, and save valuable time. Consider investing in a premium invoicing software solution that aligns with your business needs and empowers you to create and manage invoices more efficiently. Image: Depositphotos This article, "The Top Invoicing Software for Small Businesses" was first published on Small Business Trends View the full article

If you’re a small business owner, it’s no secret how important invoicing is in keeping your cash flow flowing. However, knowing which invoicing software to use can be tricky as the market is flooded with options. Luckily, we’ve researched for you and put together an up-to-date list of the best invoicing software for small business owners. Let’s take a look at the best invoicing software options available that can help simplify your billing process and promote effective financial management for your business. What Is Invoicing Software? Invoicing software is a software program that helps businesses keep track of their invoices and payments. It can help businesses create, send, and track invoices and keep tabs on when payments are due and received. Invoicing software can also help businesses manage their finances by tracking spending and creating reports. Some invoicing software programs also integrate with other financial software, such as accounting software or payment processors, making it easier for businesses to track all their financial data in one place. READ MORE: How Small Businesses Can Invoice and Collect More Efficiently Top Invoicing Software for Small Businesses: Our Methodology Choosing the right invoicing software is a crucial step for small businesses, impacting how you manage your transactions, cash flow, and customer relationships. The perfect tool should simplify your work, ensure you’re organized, and help you get paid promptly. In selecting the top invoicing software suitable for businesses and freelancers, we’ve considered a variety of factors. Each criterion is rated on a scale from 10 (most critical) to 1 (least critical), to ensure that our recommendations cater to the needs of efficient billing and financial management. Ease of Use and User Interface: Importance 10/10 Intuitive design for easy navigation and use. Simple process for creating and sending invoices. Clear and accessible layout for tracking payments and expenses. Customization and Flexibility: Importance 9/10 Options to customize invoice templates and branding. Flexibility to handle different billing scenarios and tax settings. Capability to accommodate various currencies and languages. Integration Capabilities: Importance 8/10 Seamless integration with accounting software and payment gateways. Compatibility with other business tools (CRM, project management, etc.). Ability to synchronize data across platforms. Automation and Efficiency Features: Importance 8/10 Automated invoicing and recurring billing features. Reminders and alerts for overdue payments. Efficiency tools like bulk invoicing and expense tracking. Security and Data Protection: Importance 7/10 Robust security measures to protect financial data. Compliance with financial regulations and data privacy laws. Reliable backup and data recovery options. Reporting and Analytics: Importance 6/10 Comprehensive reporting features for financial insights. Real-time analytics on cash flow and business performance. Customizable reports for accounting and tax purposes. Customer Support and Resources: Importance 5/10 Access to responsive customer support. Availability of help resources, tutorials, and guides. Community forums or user groups for additional support. Pricing and Value for Money: Importance 5/10 Transparent and competitive pricing structures. Scalable plans are suitable for different business sizes. Free trials or demos to evaluate software features. Through this thorough examination, we identify invoicing software options that encompass not just the technical requirements but also contribute to a smoother, more efficient financial workflow for small business owners. Top Invoicing Software Solutions Before digging too deeply into the list, here is a quick reference table that lets you quickly compare the top invoice software options: SoftwareKey FeaturesPricing Zoho InvoiceCraft professional invoices, bill in multiple currencies, automate payment remindersFree Quickbooks OnlineCreate and track invoices on the go, integrate with popular third-party appsStarts at $15 per month Square InvoicesSend digital invoices and estimates, enable pay later optionForever-free plan, $20 monthly plan BrightpearlTailored for retail businesses, handles proforma and actual invoicesFlexible pricing based on business needs PaySimpleIntegrates invoicing with payments, ideal for service-based businessesStarts at $69.95 per month FreshBooksCloud-based accounting software, automated invoicing, online payment acceptanceStarts at $16.50 per month WaveBudget-friendly invoicing software, customized invoices, automated billingFree InvoiceSimpleIntuitive invoicing app, easy invoicing for small businesses and freelancersFree Sage IntacctIdeal for merchants with complex invoicing flow, real-time payment status visibilityPricing based on selected features XeroCustomizable online invoices, automatic reminders, accept instant paymentsStarts at $25 per month XeroCustomizable online invoices, automatic reminders, and instant online payments.Starts at $25 per month Invoice2goCreate invoices on the spot, send via various channels, and customizable invoice templates.Starter plan at $5.99 per month ChargeBeeAutomates recurring billing, supports multiple currencies and subscription models, real-time analytics for performance.Free plan available HarvestEfficient time-based invoicing, automatic invoicing, integrated payments, and client management.Free-forever plan, $12 per user/month Invoice NinjaFree invoicing tool, quote and invoice creation, tracking payments, and setting up recurring invoices.Free plan available InvoiceraTotal invoice and billing management, customization options, and control of multiple businesses through a single account.Starter plan available for free HiveageSimplified invoicing, payment and cash management, easy tax calculation, and discounts.Free plan available BillBooksIntelligent invoicing platform, assisted scheduling, automatic payment reminders, and mobile-optimized invoicing app.Starting at $7.95 per month ZipBooksInvoicing and automation of the billing process, unlimited invoices and payment tracking.Free invoicing tool Bill.comManaging accounts payable and accounts receivable, track payments, request money, and schedule payments.Starting at $45 per user/month SliQ InvoicingSimple and powerful invoicing program, unlimited invoices and quotes, easy setup and usage.£6 (or $7.3) monthly plan Here are the top invoicing software programs to pick the best invoicing solution for your business: Zoho Invoice Zoho Invoice is a free online invoicing software program for small businesses. It enables you to craft professional invoices, bill in the currency you want, and automate payment reminders. With Zoho Invoice, you can even automate recurring invoices. It simplifies billing so you can focus better on your business. The Zoho Invoice tool is available for free. Quickbooks Online QuickBooks Online makes it easy to create and track invoices on the go. SMB owners can store HSN/SAC codes, generate invoices, and automatically calculate payable taxes. QuickBooks Online ensures breezy invoicing and payment clearance. It also integrates well with hundreds of popular third-party apps. The base plan of QuickBooks Online costs $15 per month. Higher plans with features such as expense tracking, analytics, and inventory management are also available. Square Invoices Square Invoices is an easy-to-use tool for sending digital invoices and estimates. It enables businesses to create invoices, track payments and monitor analytics from one place. Square Invoices even allows businesses to enable the pay later option. It’s an ideal tool for managing your transactions while maintaining customer relationships. Square Invoices has a forever-free plan with all invoicing features. It also has a $20 monthly plan with more finance management utilities. Brightpearl Brightpearl is a software package tailored to the invoicing needs of retail businesses. It offers various features to handle and process proforma and actual invoices. Brightpearl has flexible pricing and invoicing features to manage cash flow efficiently. You can even keep track of part payments and bank deposits and have a bird’s eye view of each payment status. Brightpearl tailors its pricing to business needs. READ MORE: How to Create an Invoice That Gets Paid PaySimple PaySimple integrates invoicing with payments to simplify small business operations. It’s beneficial for service-based businesses that need to handle payments from multiple points of sale. PaySimple makes the workflow manageable with its online invoicing and easy processing of online payments. Pricing for PaySimple starts at $69.95 per month. FreshBooks FreshBooks is a cloud-based accounting software designed with small businesses in mind. It puts invoicing on autopilot. The professional automated invoicing of FreshBooks enables the quick creation of clean and customizable invoices. You can also accept payments online, track their status, and send reminders for late payments. FreshBooks’ pricing starts at $16.50 per month for unlimited billable clients. Higher plans with better tracking, analytics, and reports are also available. Wave Wave is a budget-friendly invoicing software solution for small businesses. It takes care of all the invoicing and payment needs. The information is synced with the customer’s info. Wave app helps in creating customized invoices and automating the billing process. You can even set up recurring invoices and automate payment processing for repeat customers. Wave invoicing app is free for invoicing. InvoiceSimple InvoiceSimple is an easy-to-use invoicing app for business owners. It touts itself as the simplest way for small businesses and freelancers to invoice customers. Invoice Simple makes invoicing straightforward for businesspeople. It allows invoicing via mobile and laptop to help you stay organized throughout. You can try Invoice Simple for free. Sage Intacct Sage Intacct is ideal for merchants with a complex invoicing flow who need granular control over the process. This powerful tool provides complete control and customization over invoicing with real-time visibility of payment status. A subscription to Sage Intacct includes access to a community of industry peers. Business owners can interact with them and get support and industry updates. The pricing of Sage Intacct’s plans depends on the features you select for your business. Xero Xero online invoicing is another intuitive tool for small businesses. It enables you to customize your online invoices, set automatic reminders, and invoice directly from the app. You can choose from custom, ready-made, or pre-set invoices without leaving the app. With Xero, you can also accept instant payments online. It makes it easy for customers to pay you. Pricing plans for Xero start at $25 per month, with higher plans for comprehensive accounting tools. READ MORE: 12 Printable Invoice Template Options More Invoicing Software Options for Small Business Here are some more billing and invoicing software for small businesses: Invoice2go Invoice2go is an easy-to-use, mobile-friendly invoicing tool to create invoices on the spot. It enables business owners to send invoices via email, messenger, and even text. For new businesses, Invoice2go is a time-saver. You can customize the business logo, fonts, and colors and create an invoice immediately. Invoice2go has a range of plans, with the Starter plan at $5.99 per month. ChargeBee ChargeBee is a widely used invoicing software for small businesses in the SaaS and subscription industry. It automates recurring billing, eliminating the need for manual invoice processing. ChargeBee supports various currencies and subscription models, allowing you to manage a global customer base. Additionally, you can access real-time analytics to monitor your invoicing performance effectively. ChargeBee has a free plan, offering essential invoicing and subscription management features. Higher plans are also available. Harvest Harvest is an online invoicing and billing software tool that automates time-based invoicing efficiently. It’s the most suitable for businesses providing services. Harvest allows for automatic invoicing, integrated payments, and client management, all in one place. Depending on availability, you can bill clients automatically or assign work to your team. Harvest has a free-forever plan for one user. It has a $12 per user per month plan for multiple users and projects. Invoice Ninja Invoice Ninja is a free-to-use invoicing tool. It enables business owners to quote, invoice, and take payments for free. It also helps track billable time, auto-invoicing, and setting up recurring invoices. The facility to take advance deposits and partial payments further eases the troubles. You can even set up a client-side invoice & payment portal with Invoice Ninja. Invoice Ninja has a free plan along with higher plans for more features. READ MORE: How Zoho Invoice Will Help Your Business – for FREE Invoicera Invoicera is a total invoice and billing management system. It supports all types of businesses, from small businesses to enterprises. Invoicera easily integrates with existing business management tools to be customized as per the business. And it allows one person to control multiple businesses through a single account. Invoicera’s Starter plan is offered for free but comes with limited features. Upgrading to higher plans provides access to more advanced functionalities. Hiveage Hiveage is a cloud-based invoicing tool for small businesses. It doesn’t burden you with a host of accounting features. With Hiveage, you can manage payments and cash with ease. Its simplified interface makes it easy to bill clients and keep track of revenue. You can easily enter regular tax amounts, discounts, and shipping charges. Hiveage starts with a free plan. Upgraded plans are also available, giving access to many more features. BillBooks Billbooks is an online invoicing platform built specifically for small businesses. It’s an intelligent tool that speeds up invoicing. It offers assisted scheduling and automatic payment reminders for different time zones to ensure more efficient payments. Billbooks is a mobile-optimized invoicing app that simplifies invoicing and payments. The pricing for Billbooks has been designed keeping small businesses in mind. The base price is $7.95 per month. ZipBooks Zipbooks is a vital invoicing software for small businesses that helps streamline and automate the billing process. It supports unlimited invoices and payment tracking. Zipbooks offers numerous useful features, including the ability to create estimates and manage customer payments all in one location. Additionally, it provides tools for time-tracking and automated billing. Zipbooks is a free invoicing tool with more features available on higher plans. Bill.com Bill.com is an online invoicing tool to save time and money. It lets business owners manage accounts payable as well as accounts receivable. You can efficiently keep track of payments, request money and schedule payments. Its two-way sync with accounting software makes invoicing easier. So, managing financial transactions is a breezy experience with Bill.com. The starting plan of Bill.com is priced at $45 per user per month. SliQ Invoicing SliQ Invoicing is a simple yet powerful invoicing program for small businesses. It lets business owners create invoices, payment reminders, and record payments. It’s simple to set up and use. And you can send unlimited invoices and quotes. SliQ Invoicing also helps handle invoices for multiple businesses with one admin panel. SliQ Invoicing has a £6 (or $7.3) monthly plan. You can upgrade to a higher plan to onboard more team members. Why You Should Consider Using Invoicing Software for Small Business Here are key reasons why you should use invoicing software in your business: Invoice software often includes features that save time, such as the ability to create and send invoices quickly, automatic invoice numbering, and the option to save frequently used phrases or paragraphs. With invoicing software, you can also track payments and expenses. This information can be helpful when preparing tax returns or other financial documents. Online invoicing lets you see when online payments are made and received, which can help you keep tabs on your cash flow and budget. A well-designed invoice that is easy to read will give a good impression to your customers. Last but not least, most invoicing software allows you to understand your business better. This is because analytics provided by those software applications can help you understand which products sell fast and which ones move slower. READ MORE: The Manual Dilemma: 4 Ways To Streamline Invoicing Maximizing Efficiency with Invoicing Software for Small Businesses Enhanced Features of Invoicing Software Automation and Time Management: Invoicing software automates many of the mundane tasks associated with billing, such as data entry, calculations, and invoice tracking. This automation significantly reduces the time spent on invoicing, allowing small business owners to focus on other critical aspects of their business. Improved Accuracy and Professionalism: The use of invoicing software minimizes errors that can occur with manual invoicing. It ensures accuracy in calculations and consistency in the presentation of invoices, enhancing the professional image of the business. Real-Time Financial Overview: Invoicing software provides a real-time view of the business’s financial health. It tracks outstanding invoices, payments received, and overall cash flow, offering valuable insights for informed decision-making. Seamless Integration with Other Systems: Numerous invoicing software for small business solutions easily connect with various business systems, including accounting software, CRM tools, and payment gateways. This integration enhances the flow of financial data, making financial management more straightforward. Customization and Branding: Invoicing software often allows for the customization of invoice templates. Businesses can add their logos, brand colors, and personalized messages, aligning the invoices with their brand identity and enhancing the overall customer experience. Navigating the Challenges of Invoicing Software Cost Considerations: While many invoicing software options offer free basic plans, more advanced features might come at a cost. Small businesses need to evaluate the cost-benefit ratio to determine if the additional features are worth the investment. Adaptation and Training: Integrating new software into existing business processes may require training for staff. Businesses must consider the time and resources needed for effective adaptation to the new system. Dependence on Technology: Reliance on invoicing software means being susceptible to technical issues or service downtimes. Small businesses should have contingency plans in place to address any potential disruptions. Data Security and Privacy: With financial data being stored and managed digitally, ensuring data security and privacy becomes paramount. It’s essential to choose software that offers robust security features to protect sensitive information. Making the Most of Invoicing Software Leveraging Data for Strategic Insights: Invoicing software for small businesses offers valuable data that can be analyzed to gain insights. By understanding payment patterns, client behavior, and sales trends, businesses can make informed strategic decisions to foster growth. Enhancing Customer Relations: Prompt and accurate invoicing, coupled with professional presentation, contributes to a positive customer experience. This can lead to improved customer satisfaction and retention. Streamlining Tax Preparation: The comprehensive financial records maintained by invoicing software simplify the process of tax preparation. Accurate and organized financial data can make tax reporting more efficient and accurate. Invoicing software offers a multitude of benefits for small businesses, from improving efficiency and accuracy to providing strategic business insights. However, it’s crucial to consider the potential challenges and ensure that the chosen software aligns with the business’s specific needs and capabilities. With the right approach, invoicing software can be a powerful tool in the arsenal of a small business, contributing significantly to its operational efficiency and financial health. What Is the Best Free Invoicing Software for Small Businesses? When it comes to finding the best free invoicing software for small businesses, Zoho Invoice emerges as the top choice. With its user-friendly interface and robust features, Zoho Invoice provides small business owners with a comprehensive solution for managing invoices effectively. From creating professional-looking invoices to tracking payments and generating insightful reports, Zoho Invoice offers a seamless invoicing experience. If you’re looking for more options in the realm of free billing software, Wave, FreshBooks, and Invoicera are worthy contenders. Wave stands out for its simplicity and versatility, offering invoicing, accounting, and receipt scanning features. On the other hand, FreshBooks combines user-friendly invoicing tools with advanced accounting capabilities, making it suitable for small businesses with more complex financial needs. Invoicera provides a range of invoicing features along with expense management and time-tracking functionalities, making it a well-rounded choice for small business owners. Whether you choose Zoho Invoice, Wave, FreshBooks, or Invoicera, these free invoicing software options empower small business owners to streamline their billing processes, save time, and ensure prompt payment collection. Take advantage of the features and capabilities offered by these software solutions to enhance your invoicing efficiency and maintain a healthy cash flow for your business. What Is the Best Way to Create Invoices for Your Business? By choosing the appropriate invoicing software for small businesses, you can experience numerous benefits that extend beyond just utilizing free customizable invoice templates. Here are some advantages of selecting the right invoicing software: Efficient Invoice Creation: With the right invoicing software, you can quickly and easily create professional invoices. These software solutions offer intuitive interfaces and pre-designed invoice templates that can be customized to suit your branding and specific needs. This saves you time and ensures that your invoices are accurate, consistent, and visually appealing. Seamless Estimate Generation: Invoicing software often includes the functionality to create estimates or quotes for your clients. This enables you to provide detailed cost breakdowns and project timelines to potential customers, helping you secure more business. The ability to convert estimates into invoices with a few clicks streamlines your workflow and eliminates manual data entry. Overdue Invoice Tracking: Keeping track of overdue invoices is crucial for maintaining a healthy cash flow. Premium invoicing software allows you to set up automated reminders and notifications for overdue payments. This helps you stay on top of outstanding invoices, send reminders to clients, and take necessary actions to collect payments promptly. Invoice Customization: The right invoicing software offers extensive customization options, allowing you to tailor your invoices to reflect your brand identity. You can add your logo, choose colors that align with your brand, and include personalized messages or terms and conditions. This level of customization helps create a professional image for your business and reinforces your brand identity. Time-Saving Automation: Premium invoicing software often includes automation features that can significantly reduce manual tasks. These features may include recurring invoice generation, automated payment reminders, and integration with payment gateways for seamless online payment processing. By automating repetitive tasks, you can save time and focus on other aspects of running your small business. In short, utilizing the features and capabilities offered by the right invoicing software will streamline your invoicing processes, enhance professionalism, improve cash flow management, and save valuable time. Consider investing in a premium invoicing software solution that aligns with your business needs and empowers you to create and manage invoices more efficiently. Image: Depositphotos This article, "The Top Invoicing Software for Small Businesses" was first published on Small Business Trends View the full article

Teens have unique advantages when it comes to starting their own businesses, including access to resources, understanding of technology, and the potential for risk-taking. If you are a teen looking to start a business or a parent who wants to inspire your child, here are 20 business ideas for teens. Best Small Business Ideas for Teens Starting a business as a teenager can be an excellent way to gain financial independence, build valuable skills, and learn the ins and outs of entrepreneurship. Here are some cool business ideas for young entrepreneurs considering starting their own venture: Photography Business Starting a photography business is an excellent business idea for teens. It gives creative young individuals the opportunity to express their artistic vision, develop valuable skills with a camera, and earn extra money while engaging in something they are passionate about. Social Media Influencer Utilizing popular social media platforms can help teens build an audience, share their unique perspective on the world, and create content that is engaging and inspiring. With the right strategy, teens can make a name for themselves in this fast-growing industry. Learning about online platforms may also come in handy in later careers. This business venture could even scale and grow long-term. Graphic Design Business Being a graphic designer is a small business idea for teens that offers significant potential. With the appropriate tools and resources, teens can produce stunning visuals that distinguish themselves from the competition. It offers an opportunity to explore creativity, develop skills in design, and earn extra cash at the same time. Lawn Care Business As a lawn care business, teenagers can provide services like mowing, trimming, and fertilizing lawns in their local communities. It’s a great business idea for teens who are looking to earn money while honing their manual labor skills. Delivery Service Business From pizza to groceries, teens can provide the convenience people need while earning money in the process. It’s an excellent way for them to develop customer service skills, stay physically active, and make money all at once. There are little to no upfront costs involved, and it’s relatively easy to get started using online and mobile platforms. Child Care Services Teens can help provide parents with quality, reliable child care in their local area. It offers a fantastic opportunity for teens to develop their interpersonal skills, nurture children, and earn money all at once. Selling on Online Marketplaces Starting an online business selling products on online marketplaces is a great way for teens to make money. They can simply buy items at local stores for cheap and sell them on a site like eBay at a marked-up price. With this simple business, teens can begin to sell online right away. Personal Shopper If teens are good at shopping, they can use their expertise to help others find what they’re looking for. With this business, teens can use their skills to find the best deals for their clients and make a profit in the process. Dog Walking Business Next on our list of business ideas for teens is providing dog walking services to pet owners. This is an excellent opportunity for teens to stay active, familiarize themselves with the local area, and earn money simultaneously. Additionally, it requires minimal startup costs and can be started right away. Car Washing Service Teens can leverage the convenience of being able to wash cars anywhere, allowing them to enhance their skills in customer service, communication, and organizational management. Getting started is simple, as it doesn’t require any special equipment. Web Designer With a web design business, teens can create beautiful websites that showcase their unique style and stand out from the crowd. Plus, they’ll get to learn valuable coding and programming skills, which can help them make money as adults. The business may even scale and grow over time. Tech Support Business Starting a tech support business for teens is a great way to combine technical know-how with customer service experience. As tech support providers, teens will be tasked with helping clients troubleshoot their computers, smartphones, and other technical devices. Create an App or Online Game Teens can start their own businesses by creating an online game or app. With a little technical knowledge and creativity, teens can create something that appeals to others, as well as provides a fun way to make money. Music Lessons Teens can start their own businesses by giving music lessons providing them with an opportunity to share their passion for music while cashing in. Teaching music lessons is a great way for teens to develop valuable skills such as communication, creative problem-solving, and organization – all of which can be used later in life. Playing Video Games Teens can turn their passion for playing their favorite online game into a profitable business. They can stream their gameplay on Twitch, offer advice and tips to others, or even make money by creating content related to the game. Social Media Marketing Business Teens can put their social media know-how to work and start a social media marketing business. With this type of business, they’ll be able to help clients reach their target audience and create successful campaigns. They will also acquire important online marketing skills that can benefit them throughout their careers. Craft Fair Vendor Teens who have an eye for style and design can sell their work at local craft fairs in their town or city. This is a great way for them to showcase their creativity and make money in the process. Soap-Making Business Making soap can be an enjoyable and profitable endeavor for teens. With a few ingredients and some creativity, they can create their own products to sell on Etsy or at local craft markets. Pet Cleanup Service People hate to clean up after their pets, so teen cans take advantage of this high market demand by offering pet cleanup services. All they need is a few supplies and some determination, and they’ll be ready to start earning money. Cake Maker If you know a teenager who loves to bake, then they can start their own cake-making business. This is a great way for them to unleash their creativity and make some extra dough in the process. With some practice, they can create truly amazing cakes that people will be happy to pay for. Top Tips for Teen Entrepreneurs with a Business Idea Launching a business as a teen can be incredibly rewarding and exciting, but it also requires careful research, preparation, and planning. To help teenagers with the entrepreneurial spirit get started on their journey to success, here are some key tips to consider: Research the Market: Every business should start with thorough market research. Whether through online searching or interviewing industry professionals, understanding the competitive landscape will help guide you toward a viable concept. Write an Action Plan: Having a clear plan in place is essential for any budding entrepreneur looking to launch their own business. This could include creating a detailed budget, setting milestones and deadlines, and identifying potential partners or investors. Hone Your Skills: Running your own venture means wearing many hats. It is important to equip yourself with the right skill set. This could include taking online classes or attending workshops such as those offered by local organizations for teens or small businesses. Seek Support: Knowing where to turn for advice and guidance is key when launching your own business as a teen. Your friends and family may be able to provide support, but seeking out mentors within the industry may provide invaluable insight and assistance during this process. Reach Out: Don’t hesitate to reach out to your network when looking for advice or resources. Developing relationships with other entrepreneurs who have been where you currently are can go a long way in helping you move forward with your new venture. Nurturing the Entrepreneurial Spirit in Teens The entrepreneurial journey for teens is filled with opportunities to learn, grow, and achieve. In today’s world, where innovation and adaptability are key, encouraging teens to explore entrepreneurship can set them on a path of self-discovery and success. With access to technology, a knack for creativity, and a willingness to take risks, teenagers are uniquely positioned to turn their ideas into viable business ventures. As they embark on these entrepreneurial endeavors, it’s crucial for teens to remember the importance of balancing their business activities with their academic responsibilities and personal lives. This balance ensures a holistic approach to their development and well-being. Embracing Technology and Innovation In an era where technology plays a significant role in almost every aspect of life, teens have the advantage of being digital natives. They can leverage this to create businesses that are not only innovative but also technologically forward. Understanding and utilizing social media, e-commerce platforms, and digital marketing strategies can set teen-led businesses apart in the competitive market. Moreover, embracing technology does not mean just using existing tools; it can also involve creating new solutions. Teens with interests in coding, app development, or web design can use their skills to offer unique services or develop products that address specific needs within their community or peer group. Building a Network and Community Engagement Networking is a crucial aspect of entrepreneurship. Teen entrepreneurs should focus on building a strong network of peers, mentors, and industry professionals. This network can provide support and advice and potentially open doors to new opportunities. Engaging with the community is equally important. Whether it’s through participating in local events, collaborating with other local businesses, or contributing to community projects, teens can establish a strong presence and reputation. This not only aids in business growth but also instills a sense of responsibility and community service. Legal and Ethical Considerations While embarking on a business venture is exciting, it’s important for teen entrepreneurs to understand the legal and ethical aspects of running a business. This encompasses understanding permits, taxes, and regulations that are specific to their industry or age group. Parents and guardians can significantly assist by guiding them through these procedures. Additionally, practicing ethical business principles, such as honesty in marketing and fair pricing, is essential. These practices not only build trust with customers but also establish a strong foundation for long-term business success. YOU MIGHT ALSO LIKE: Equipment you Need to Start a Photography Business What Is Influencer Marketing Business Books for Kids Instagram Tips for Teenpreneurs Business Ideas for Introverts Business Ideas for Extroverts Image: Envato Elements This article, "The Best Business Ideas for Teens" was first published on Small Business Trends View the full article

Teens have unique advantages when it comes to starting their own businesses, including access to resources, understanding of technology, and the potential for risk-taking. If you are a teen looking to start a business or a parent who wants to inspire your child, here are 20 business ideas for teens. Best Small Business Ideas for Teens Starting a business as a teenager can be an excellent way to gain financial independence, build valuable skills, and learn the ins and outs of entrepreneurship. Here are some cool business ideas for young entrepreneurs considering starting their own venture: Photography Business Starting a photography business is an excellent business idea for teens. It gives creative young individuals the opportunity to express their artistic vision, develop valuable skills with a camera, and earn extra money while engaging in something they are passionate about. Social Media Influencer Utilizing popular social media platforms can help teens build an audience, share their unique perspective on the world, and create content that is engaging and inspiring. With the right strategy, teens can make a name for themselves in this fast-growing industry. Learning about online platforms may also come in handy in later careers. This business venture could even scale and grow long-term. Graphic Design Business Being a graphic designer is a small business idea for teens that offers significant potential. With the appropriate tools and resources, teens can produce stunning visuals that distinguish themselves from the competition. It offers an opportunity to explore creativity, develop skills in design, and earn extra cash at the same time. Lawn Care Business As a lawn care business, teenagers can provide services like mowing, trimming, and fertilizing lawns in their local communities. It’s a great business idea for teens who are looking to earn money while honing their manual labor skills. Delivery Service Business From pizza to groceries, teens can provide the convenience people need while earning money in the process. It’s an excellent way for them to develop customer service skills, stay physically active, and make money all at once. There are little to no upfront costs involved, and it’s relatively easy to get started using online and mobile platforms. Child Care Services Teens can help provide parents with quality, reliable child care in their local area. It offers a fantastic opportunity for teens to develop their interpersonal skills, nurture children, and earn money all at once. Selling on Online Marketplaces Starting an online business selling products on online marketplaces is a great way for teens to make money. They can simply buy items at local stores for cheap and sell them on a site like eBay at a marked-up price. With this simple business, teens can begin to sell online right away. Personal Shopper If teens are good at shopping, they can use their expertise to help others find what they’re looking for. With this business, teens can use their skills to find the best deals for their clients and make a profit in the process. Dog Walking Business Next on our list of business ideas for teens is providing dog walking services to pet owners. This is an excellent opportunity for teens to stay active, familiarize themselves with the local area, and earn money simultaneously. Additionally, it requires minimal startup costs and can be started right away. Car Washing Service Teens can leverage the convenience of being able to wash cars anywhere, allowing them to enhance their skills in customer service, communication, and organizational management. Getting started is simple, as it doesn’t require any special equipment. Web Designer With a web design business, teens can create beautiful websites that showcase their unique style and stand out from the crowd. Plus, they’ll get to learn valuable coding and programming skills, which can help them make money as adults. The business may even scale and grow over time. Tech Support Business Starting a tech support business for teens is a great way to combine technical know-how with customer service experience. As tech support providers, teens will be tasked with helping clients troubleshoot their computers, smartphones, and other technical devices. Create an App or Online Game Teens can start their own businesses by creating an online game or app. With a little technical knowledge and creativity, teens can create something that appeals to others, as well as provides a fun way to make money. Music Lessons Teens can start their own businesses by giving music lessons providing them with an opportunity to share their passion for music while cashing in. Teaching music lessons is a great way for teens to develop valuable skills such as communication, creative problem-solving, and organization – all of which can be used later in life. Playing Video Games Teens can turn their passion for playing their favorite online game into a profitable business. They can stream their gameplay on Twitch, offer advice and tips to others, or even make money by creating content related to the game. Social Media Marketing Business Teens can put their social media know-how to work and start a social media marketing business. With this type of business, they’ll be able to help clients reach their target audience and create successful campaigns. They will also acquire important online marketing skills that can benefit them throughout their careers. Craft Fair Vendor Teens who have an eye for style and design can sell their work at local craft fairs in their town or city. This is a great way for them to showcase their creativity and make money in the process. Soap-Making Business Making soap can be an enjoyable and profitable endeavor for teens. With a few ingredients and some creativity, they can create their own products to sell on Etsy or at local craft markets. Pet Cleanup Service People hate to clean up after their pets, so teen cans take advantage of this high market demand by offering pet cleanup services. All they need is a few supplies and some determination, and they’ll be ready to start earning money. Cake Maker If you know a teenager who loves to bake, then they can start their own cake-making business. This is a great way for them to unleash their creativity and make some extra dough in the process. With some practice, they can create truly amazing cakes that people will be happy to pay for. Top Tips for Teen Entrepreneurs with a Business Idea Launching a business as a teen can be incredibly rewarding and exciting, but it also requires careful research, preparation, and planning. To help teenagers with the entrepreneurial spirit get started on their journey to success, here are some key tips to consider: Research the Market: Every business should start with thorough market research. Whether through online searching or interviewing industry professionals, understanding the competitive landscape will help guide you toward a viable concept. Write an Action Plan: Having a clear plan in place is essential for any budding entrepreneur looking to launch their own business. This could include creating a detailed budget, setting milestones and deadlines, and identifying potential partners or investors. Hone Your Skills: Running your own venture means wearing many hats. It is important to equip yourself with the right skill set. This could include taking online classes or attending workshops such as those offered by local organizations for teens or small businesses. Seek Support: Knowing where to turn for advice and guidance is key when launching your own business as a teen. Your friends and family may be able to provide support, but seeking out mentors within the industry may provide invaluable insight and assistance during this process. Reach Out: Don’t hesitate to reach out to your network when looking for advice or resources. Developing relationships with other entrepreneurs who have been where you currently are can go a long way in helping you move forward with your new venture. Nurturing the Entrepreneurial Spirit in Teens The entrepreneurial journey for teens is filled with opportunities to learn, grow, and achieve. In today’s world, where innovation and adaptability are key, encouraging teens to explore entrepreneurship can set them on a path of self-discovery and success. With access to technology, a knack for creativity, and a willingness to take risks, teenagers are uniquely positioned to turn their ideas into viable business ventures. As they embark on these entrepreneurial endeavors, it’s crucial for teens to remember the importance of balancing their business activities with their academic responsibilities and personal lives. This balance ensures a holistic approach to their development and well-being. Embracing Technology and Innovation In an era where technology plays a significant role in almost every aspect of life, teens have the advantage of being digital natives. They can leverage this to create businesses that are not only innovative but also technologically forward. Understanding and utilizing social media, e-commerce platforms, and digital marketing strategies can set teen-led businesses apart in the competitive market. Moreover, embracing technology does not mean just using existing tools; it can also involve creating new solutions. Teens with interests in coding, app development, or web design can use their skills to offer unique services or develop products that address specific needs within their community or peer group. Building a Network and Community Engagement Networking is a crucial aspect of entrepreneurship. Teen entrepreneurs should focus on building a strong network of peers, mentors, and industry professionals. This network can provide support and advice and potentially open doors to new opportunities. Engaging with the community is equally important. Whether it’s through participating in local events, collaborating with other local businesses, or contributing to community projects, teens can establish a strong presence and reputation. This not only aids in business growth but also instills a sense of responsibility and community service. Legal and Ethical Considerations While embarking on a business venture is exciting, it’s important for teen entrepreneurs to understand the legal and ethical aspects of running a business. This encompasses understanding permits, taxes, and regulations that are specific to their industry or age group. Parents and guardians can significantly assist by guiding them through these procedures. Additionally, practicing ethical business principles, such as honesty in marketing and fair pricing, is essential. These practices not only build trust with customers but also establish a strong foundation for long-term business success. YOU MIGHT ALSO LIKE: Equipment you Need to Start a Photography Business What Is Influencer Marketing Business Books for Kids Instagram Tips for Teenpreneurs Business Ideas for Introverts Business Ideas for Extroverts Image: Envato Elements This article, "The Best Business Ideas for Teens" was first published on Small Business Trends View the full article

A funny thing happened after I stopped using Clicks, the keyboard case that effectively turns an iPhone into an oversized Blackberry: The phone by itself suddenly seemed punier. I mean that in terms of both size and mightiness. Because while Clicks’ four rows of physical keys stretch an iPhone to comical length, they also add a bunch of powerful shortcuts for getting things done. My typing hasn’t gotten any faster with Clicks, but things like copying, pasting, and switching between apps has become more efficient. The first Clicks keyboard cases launched a year ago, with tech YouTuber Michael Fisher and Crackberry blog founder Kevin Michaluk co-founding the company to scratch a highly specific itch. The iPhone 16 versions, which just launched in January, have a more sculpted key design that’s easier to type on, while also adding MagSafe accessory support and USB-C data transfer. They are no less niche, though. As before, the price is $139 for regular-sized iPhones and $159 for the Pro Max and Plus models—not the kind of purchase one makes without being super committed to the concept. But the most I used Clicks, the more I wished for a version that included everything but the keyboard. Not faster, but more satisfying I’ve been using Clicks on an iPhone 16 Pro Max for the past few weeks now. While there’s a learning curve—especially with using modifier keys for punctuation—I’ve become pretty adept at thumb typing on Clicks’ physical keys. Still, every time I perform a typing test, the results are about the same with or without Clicks. The reality is that on-screen keyboards have become pretty efficient on their own. Between gesture typing and auto-correct, a practiced touchscreen typist can rattle off emails or text messages without having to scrutinize each letter, so there’s little time gained from having physical keys beneath the thumbs. And while Clicks does free up screen space that an on-screen keyboard would normally occupy, the evolution of smartphone design plays against Clicks here as well: Our phones have gotten taller in large part to accommodate the on-screen keyboard, with apps becoming increasingly adept at keeping important details within view. Rarely did I feel like Clicks was freeing up essential space. At best, the typing upside with Clicks is vibes-based. While I never owned a BlackBerry and don’t feel the nostalgia of using a modern-day homage, the tactile keys still feel substantial in a ways that software keys don’t. On some level, writing with Clicks feels a little more like an accomplishment, even if it’s not any faster. Keyboard command center The Clicks keyboard is about more than just typing, though. The real utility is in its ability to execute commands. On the most basic level, Clicks supports the same keyboard shortcuts you’d get by connecting your iPhone or iPad to a Bluetooth keyboard. Instead of shaking your phone or using the unreliable three-finger swipe gesture to undo, you can just click Cmd+Z. Instead of tapping the exact point of text insertion and waiting for the tiny “paste” button to pop up, you can just click Cmd+V. You can even use app-specific shortcuts, such as Cmd+T and Cmd+W to open and close new browser tabs in Safari. Navigational shortcuts are even better. Hitting Cmd+Space brings up Spotlight, where you can access apps, contacts, and Shortcuts just by typing a letter two and hitting Enter. Unlike the touchscreen version, which requires a return to the home screen, the keyboard shortcut works from anywhere, even inside other apps. Combined with some other navigational shortcuts—Cmd+H for Home, Globe+N for notifications, Globe+C for Command Center—Clicks lets you quickly get around iOS without taking fingers off the keyboard. There’s also a hidden feature that goes a step further, letting you set up custom keyboard commands to run automations from the iOS Shortcuts app. It requires some rooting around in Accessibility settings, but in the end you can have keyboard shortcuts for things like launching a favorite app, taking a quick note, or opening your preferred AI assistant. It’s kind of like having a bunch of iPhone 16 Action Buttons lined up on the bottom of your phone.\ Unforeseen consequences Too bad these extra capabilities come with some significant trade-offs. Obviously, there’s the size of the thing. The iPhone 16 Pro Max with Clicks just barely fits in my pants pockets and isn’t comfortable to sit with, so I’ve been more prone to just plopping it onto the nearest table. Other annoyances are just inherent to using a physical keyboard instead of the on-screen one: If you use a third-party password manager like Bitwarden, there’s no persistent bar above the keyboard for accessing passwords or two-factor authentication codes. You can auto-fill logins through an on-screen pop-up, but this doesn’t let you select alternative logins and sometimes failed to work properly. One-handed typing takes more effort, especially with the phone being more top-heavy. While Clicks has a button to bring up the on-screen keyboard, it’s still more cumbersome to type on with a full row of physical keys under your palm. Clicks’ backlit keys don’t light up until you press them, so a lot of times I had to guess at the first keystroke while trying to type in the dark. (I wish the keys lit up whenever you tapped on a text entry field, but I’m not sure if iOS allows for that.) Clicks’ unusual shape can lead to some awkward charging and docking scenarios as well. Clicks doesn’t fit at all in my car’s wireless charging tray, and I have to flip the phone upside down to use the upright wireless charger on my nightstand. And while Clicks for iPhone 16 has MagSafe support, it’s too tall and heavy to fit on the MagSafe vent mount in my wife’s car. The case for a keyboard-less Clicks In the end, Clicks’ slightly more satisfying typing experience doesn’t seem worth all those trade-offs to me. But when I went back to using my iPhone by itself, I missed having all of Clicks’ extra shortcuts under my thumbs. What I really want from Clicks, then, is everything but the thing for which it’s best-known. Instead of a full keyboard, give me a version with just a single row of shortcut keys, allowing me to efficiently manipulate text, navigate iOS and trigger my most-used Shortcuts. Take the iPhone’s Action Button, in other words, and multiply it by eight or 10 at the very bottom of the phone. Dispensing with physical keys for typing wouldn’t slow me down at all, but it would sidestep Clicks’ biggest compromises while preserving its greatest strengths. Would a company founded by former Blackberry addicts countenance such a thing? I don’t know, but I’d probably buy one. View the full article

Whether you’re a pet sitter or an IT specialist, a caterer or a beautician, a contractor or a retailer, or just starting a business, you have something in common with all small business owners. You need specific business insurance. We’ve waded through all the information to bring you a comprehensive guide. We’ve included business insurance companies, business insurance websites that help you shop, and quick definitions of common terms. No matter which company you choose, here’s an important thing to know upfront: It’ll be tough for you to get theft or vandalism claims paid if you don’t have a security system. The process of getting claims paid is greatly improved if you’ve taken steps to protect your property and equipment. Our Methodology: The Best Small Business Insurance Companies Choosing the best insurance company is a critical decision that impacts financial stability and peace of mind. Here’s our approach to evaluating small business insurance companies and websites: Coverage Options (10/10) The breadth and customization of coverage options are paramount. We assess companies that offer a wide range of policies, including liability, property, workers’ compensation, and industry-specific protections. Cost and Value (9/10) Affordability without compromising on coverage is essential for small businesses. We look for competitive pricing, discounts, and the overall value provided by the insurance offerings. Customer Service and Claims Support (9/10) Responsive and helpful customer service, especially in the event of filing a claim, is crucial. We prioritize insurers with a reputation for supportive and efficient claims handling. Financial Strength and Reliability (10/10) The insurer’s financial health determines its ability to pay out claims. We consider ratings from agencies like A.M. Best to ensure long-term reliability. User Experience of Website (8/10) The ease of obtaining information, getting quotes online, and managing policies through the insurer’s website is an important factor in our assessment. Customer Reviews and Reputation (8/10) We evaluate customer feedback along with the company’s track record of customer satisfaction to assess its trustworthiness and service quality. Additional Resources and Tools (7/10) Resources such as risk assessments, educational materials, and digital tools for policy management add value for small business owners who may be navigating business insurance for the first time. We scrutinize each insurance company and website through this lens to ensure we recommend those that align with the needs and challenges faced by small businesses. Best Small Business Insurance Companies These companies offer the best insurance options for small businesses. The majority have the same basic insurance offerings: general liability, commercial property and/or auto, and workers’ compensation. All have a high rating for claims processing and customer service, and they have insurance franchise outlets throughout most of the country and, in some cases, around the world. We’ve researched some specifics offered by the companies to help you learn about specific or customized features. These insurance companies definitely aren’t all the same. One of them may be the right one for specific types of business insurance your company might need. The good news is you will find an insurer that can take care of your small business needs. State Farm State Farm has earned a great reputation. In addition to basic small business insurance offerings, State Farm has some specialties for business owners: Builder’s Risk Insurance – This policy is in place no matter what a contractor is building, such as an addition, a pool or deck, a fence, or retaining walls. The policy protects supplies such as lumber, as well as personal property (chop saws, tile saws, etc.) kept at the jobsite. Customized Combos – By combining several types, such as commercial auto, workers’ compensation, and general liability, you’ll get a discount. Comprehensive General Liability – Most general liability policies protect against bodily injury and property damage. The State Farm Comprehensive general liability insurance adds advertising injury. CNA Also referred to as Continental Casualty, CNA focuses on commercial insurance. The company offers fundamental policies along with over 300 additional options for customization. For example, beginning with general liability insurance, the add-on options include crime protection, commercial auto coverage, and workers’ compensation. Typically, these offerings are considered separate policies. With CNA, they are add-ons, and the bundling saves you money. CNA is recognized for its team of commercial specialists who collaborate with you to create a customized policy. Unfortunately, CNA is only sold through whole brokers and agents. That means you may not be able to find a CNA where you live. It may not be available. CNA is limited to certain markets by zip code and larger cities. Progressive Progressive was the first insurance company to offer monthly premiums. It offers the standard business insurance selections, such as general liability, commercial property, workers compensation and commercial auto. Those policies are offered in-house. Other policies are written by third-party insurers. Those include business income interruption, cyber/data protection, contractor’s insurance and others. Commercial property insurance is broken into three levels. Basic covers wind or fire damage. Broad adds water damage coverage to wind or fire. Special includes wind, fire, and water damage. Basically, with special, everything is covered. The Hartford Hartford Insurance is sold through a network of independent agents. It is known for its association with the AARP. Hartford has a long history in the insurance world. It started in 1810. It covered policyholders after the Chicago Fire of 1871 and after the San Francisco earthquake and fire of 1906. Today, The Hartford commercial insurance line includes the usual small business insurance offerings. You can also get special commercial insurance for coverage on Marine or Livestock business. Through The Hartford, you can also find group benefit policies for your employees, including group life, accident and disability insurance, and group retiree health to individual members of employees’ groups. Nationwide – Best for Liability Insurance If every small business insurance provider offers liability insurance, what makes Nationwide stand out as the best small business insurance? Nationwide in considered the best small business insurance because it offers specialized liability insurance. For example, you can opt to include equipment breakdown insurance, and you’d be covered for repair or replacement costs if a piece of equipment fails. Or, add a related policy to cover business income interruption, to cover monies lost because the equipment failed (loss of net profit). Nationwide’s customized umbrella insurance can provide higher limits than what is standard in a policy. With customized umbrella insurance, you’d be covered for a higher claim amount. Hiscox – Best Insurance Company for Self Employed The globally respected Hiscox is delivered through a network of brokers. The company’s focus is on professional liability. Through the wide network of brokers, Hiscox will find the best policy to cover risks that are specific to a certain business occupation, or line of work. Its small business reputation is built on insuring the self-employed, and Hiscox has branched out to include more small businesses. Along with the standard offerings of general liability and commercial property insurance, Hiscox business coverages include marine and aerospace companies, as well as (tech) hacker insurance and political risk insurance. Liberty Mutual Liberty Mutual got its start as a worker compensation specialist. The business liability insurance standards include general liability, workers compensation provider, commercial property insurance, business owners policy (bop) coverage, professional liability, and errors and omissions insurance. Liberty Mutual offers some less common coverages: Liquor Liability – for businesses that sell, serve, or distribute alcohol. Commercial Auto – includes vehicles that are owned, leased, and non-owned but hired. The coverage includes the drivers. Crime – Losses and property damage caused by the acts of criminals. Liberty Mutual Business insurance for small businesses such as energy companies, educational facilities, food and beverage manufacturers, agricultural/farm businesses, building maintenance companies, and contractors. Suracy Suracy has a full menu of typical business insurance offerings and also provides coverage for specific small business owners. One of its insurance options is Paid Family Leave insurance. The policy provides up to 12 weeks of paid leave for employees with a new child, a family member with a medical condition, or a family member who is active military. The specific small businesses covered include franchises, non-profits, religious organizations, unions, and other business organizations. Suracy also provides employment liability insurance to protect against lawsuits for discrimination or wrongful termination filed by current or past employees. The company offers medical malpractice insurance. BUA Express BUA Express is a specialty insurance designed to provide coverage to businesses or organizations that hold events. Event cancellation insurance is called Showdown. Showdown can be provided for events such as trade shows, expositions, conventions, meetings, sporting events, and entertainment venues, such as concerts. Showdown can provide coverage to refund money if an event is canceled, disrupted, postponed, or relocated for reasons beyond your control. GEICO Geico has a strong lineup of liability insurance, both personal (for self-employed or independent contractors) and commercial. It offers general liability insurance, including coverage against property damage. Geico also offers professional liability insurance, workers’ compensation, cyber liability, medical malpractice, and commercial auto insurance. Through an insurance partner, Berx, Geico has added small business insurance for companies involved in wellness and fitness, such as gyms and yoga studios. In addition to general liability insurance, Geico customers can choose from a varied menu for specifics to add for umbrella coverage. For example, an independent contractor can add identity protection insurance. Progressive Commercial – Best for Commercial Auto Insurance What is the difference between Progressive and Progressive Commercial Auto? Progressive Commercial Auto branches out to much more than just Auto. The policy covers vans, tow trucks, box trucks, dump trucks, and food trucks. Food trucks include vending trucks, where food is prepared and served, and also catering trucks, where food is delivered. Food trucks include ice cream trucks. Van coverage includes food delivery (such as from restaurants), florist delivery trucks, and tradespeople (such as plumbers or heating technicians) making service calls. Van coverage also includes courier delivery vans. Travelers – Best for Commercial Property Insurance Travelers are sold by independent agents. The company is presently the third-largest insurer of commercial property. It’s rated #1 in 9 states and in the top five in 49 states. What’s behind the high ratings? The general liability insurance rate is discounted as other policies are added, such as the Business Owners Policy (BOP). Its data breach insurance is through. It covers cyber extortion, and the costs for data restoration and notifications to customers. The data breach insurance covers the cost of legal representation and public relations. Another top offering in business liability insurance is Travelers Employment Practices Liability Insurance. This covers business owners if workers claim that an accident or illness has been caused by unsafe working conditions. To date, Travelers does not provide professional liability insurance. Embroker – Best for Tech Startups Tech startups go to Embroker for insurance. That’s where the company built its business. Embroker has branched out, and business owners are learning about its other commercial policies. Those are also geared to startups. Those types of business insurance include coverage for boiler and machinery, commercial property and auto, builders risk, business interruption, cyber liability/data breach, liquor liability, inland marine, flood and earthquake, product liability or recall, special events, and kidnap/ransom. Embroker offers umbrella policies that pick and choose from those coverages to form the combo that is best for businesses. Zurich – Flexible General Liability Insurance Zurich specializes in insurance needs for home-based businesses. The company general liability insurance for these types of businesses includes coverage for theft, fire and wind damage – as would be common in most home insurance policies. The general liability insurance coverage is flexible, and if needed, you can include coverage for special equipment needed for your home-based business. The policy would cover loss, damage, or theft, and also include costs of repair, replacement, and loss of profit. You can further protect your business by including typical office contents, such as computers and printers. Or you can opt to include special equipment. Berkshire Hathway GUARD Berkshire Hathway’s GUARD coverage options include a business owner’s policy or BOP as a base, with a wide range of coverage for an expanded commercial package. Commercial insurance product options include the standards, such as business liability, the business owner’s policy, commercial auto insurance, and other liability coverage. With an umbrella package, small business owners have options for the amount of liability coverage. In typical umbrella packages, the top amount is $1 million. With GUARD, small business owners can increase that to $5 million. GUARD also specializes in developing policies for certain businesses: resort hotels and inns, travel plazas and truck stops, country clubs, golf courses, manufacturers, and wholesalers and distributors. Chubb – Best for International Coverage Chubb got its start as a marine insurance company for business owners in the NYC area. It’s now the largest publicly traded casualty and property insurer in the world. In addition to general liability policies, small business insurance options include professional liability insurance. Professional liability insurance includes directors and officers, errors and omissions, employment practices liability, and cybercrime. Chub develops professional liability insurance using more than 25 business categories. Chubb also offers health and accident policies, such as health and life insurance for employees. Chub has expanded to include special risk coverage options for companies that are hosting events. TechInsurance – Best for Tech Startup Business TechInsurance initially targeted business owners within the IT sector. Among the various types of business insurance, it is still best recognized for this specific category. The company also offers a guide on how to develop and maintain a successful IT business. TechInsurance now offers many types of business insurance, including options for home-based business, construction, finance, real estate, and health care. It specializes in developing commercial policies for independent contractors and freelancers (including professional liability insurance coverage). The company’s commercial general liability coverage covers bodily injury to clients/customers, advertising liability, cyber attack/data breach insurance for small businesses, and more. Best Insurance Websites to Get Comparisons and Quotes in Minutes How can a business owner find the right insurance for the business’s needs? How can you make sure you’ve gotten the coverage you need at a fair price? The coverage you need depends on your specific business needs. When you’re shopping for insurance providers, you get a quote or quotes from insurers as part of the process. Getting an insurance quote via an insurance website can streamline the process. An insurance agent isn’t just researching coverage options from one company. Instead, an insurance agent is searching multiple insurance policies from multiple insurers. Using an insurance website is a way to make sure you are getting the coverage your business needs. You can review the responses from insurance providers and review information on a number of small business insurance policies. You can make sure you’re getting the right coverage for your business needs. The only downside? These sites will use cookies to track your visit. Mylo Choose- Best Overall One of the reasons Mylo Choose is considered one of the 7 best sites to find small businesinsurance policies is due to its thorough information gathering. You’ll answer questions about your coverage needs, such as the number of employees, whether or not you use company vehicles, information about your office or brick-and-mortar location, and details about your physical product or customer services. Mylo Choose will then use that valuation of businesses needed to recommend the best coverage from multiple carriers. Mylo Choose also searches for small-group health, dental, vision, and life insurance group rates for companies with 2-99 employees. TrustedChoice TrustedChoice searches for typical small business insurance policies and also searches for a wide range of businesses. The site is known for finding the best insurance policies for builders risk and inland marine. TrustedChoice also handles a variety of professional liability policies for a wide range of businesses: doctors, lawyers, pharmacists, chiropractors, engineers (design liability), IT specialists, and teachers. Thimble – Best for Flexibility Thimble stands alone for a length of time; insurance protects your business. The insurance protects time lengths, which can be as short as hourly. In addition to hourly coverage, Thimble can provide daily, weekly, or monthly options. Customer choices for types of insurance include general liability, professional liability, error and omissions, and business equipment protection. Typical customers include photographers/videographers, fitness and personal trainers, entertainment professionals, hair stylists, and pet sitters/dog walkers. Thimble now offers drone insurance and is adding event insurance. Reviews for customer service are extremely favorable. Simply Business Best site if you’re seeking a policy for a home-based business. Simply Business specializes in self-employed occupations in businesses to include: beauty/cosmetology, carpenters, cleaners, handypersons, contractors, real estate agents, janitors, landscapers, lawn care specialists, painters, photographers, and plumbers, to name a few. Insureon – Best for Hassle-Free Business Insurance This search tool is a favorite amongst businesses that serve retail clients. Insureon supports third party insurance companies to deliver commercial insurance products. The products include business and professional insurance. Insureon is known for its extremely fast online application process and bindable quotes from insurance companies. Coverhound The site platform allows users to shop for insurance from a wide variety – more than 40 – carriers. Some of the carriers it searches include Chub, Hiscox, Nationwide, and Progressive. Coverhound is known for finding the most affordable rates. The search process uses Data Driven Matches using a comprehensive assessment. The advisors are compensated on service, not commission. CoverWallet – Best for Comparing Liability Insurance The policy search is based on specific business needs. As part of the search process, the company does a risk analysis. CoverWallet looks at specific risks such as workers’ compensation, legal liability, property damage (remember to get claims paid easily and have a security system), and liability. CoverWallet also looks at available add-ons such as ocean marine and professional liability needs for service-based businesses. Next Insurance Designed for self employed and entrepreneurs, from general contractors to personal trainers. The company boasts a claims response of 48 hours. Next Insurance has a “hired and non-owned” auto insurance offering for businesses that use rented cars or employee-owned vehicles for work. Summary of the Best Small Business Insurance Companies Insurance CompanyOverviewUnique Offerings State FarmRenowned for robust insurance offerings tailored to small businesses.Builder's Risk Insurance, Customized Combos for discounts, Comprehensive General Liability. CNASpecializes in commercial insurance with extensive add-on options.Add-on options for general liability, commercial specialists for personalized policies, limited availability. ProgressiveOffers standard insurance and third-party policies, known for monthly premiums.Tiered commercial property insurance, monthly premiums, in-house and third-party policies. The HartfordA historical player in insurance with a strong small business line.Association with AARP, coverage for unique business types like marine or livestock, employee group benefits. NationwideKnown for specialized liability insurance options.Specialized liability insurance, equipment breakdown insurance, customized umbrella insurance. HiscoxFocuses on professional liability, insuring self-employed and small businesses.Marine and aerospace coverage, hacker insurance, political risk insurance. Liberty MutualStarted as a worker compensation specialist, now offers a broad range of coverages.Liquor Liability, Commercial Auto for various vehicles, Crime coverage. SuracyProvides typical business insurance and coverage for specific small business owners.Paid Family Leave insurance, coverage for franchises, non-profits, and religious organizations. BUA ExpressSpecialty insurance for businesses or organizations hosting events.Event cancellation insurance with ShowDown policy, covers trade shows, sporting events, and entertainment venues. GEICOStrong lineup of liability insurance for personal and commercial use.General liability insurance, professional liability, cyber liability, medical malpractice, commercial auto insurance. Progressive CommercialA branch of Progressive focusing on commercial auto insurance.Coverage for a variety of commercial vehicles, including food and delivery trucks. TravelersOne of the largest commercial property insurers, known for its extensive coverage.Discounted rates with added policies, thorough data breach insurance, Employment Practices Liability Insurance. EmbrokerInitially focused on tech startups, now offers a broad range of commercial policies.Specialized policies for startups, coverage for boiler and machinery, cyber liability, product recall. ZurichSpecializes in home-based businesses and flexible general liability insurance.Coverage for home business-specific risks, flexible policies including special equipment coverage. Berkshire Hathaway GUARDOffers a broad range of commercial insurance products with customizable options.Business owner's policy with expanded commercial package, specialized policies for various industries. ChubbThe world's largest publicly traded property and casualty insurer, with international reach.Professional liability insurance across various business categories, health and accident policies, special risk coverage. TechInsuranceInitially IT-focused, now provides diverse business insurance options, including for self-employed.Coverage for independent contractors and freelancers, comprehensive liability insurance. Mylo ChooseInsurance aggregator known for extensive information gathering to recommend policies from multiple carriers.Searches for small group health rates, recommends coverage from multiple carriers. TrustedChoiceProvides typical small business insurance policies and specializes in certain types.Known for best policies for builders risk and inland marine, wide range of professional liability policies. ThimbleOffers insurance for short-term periods, even hourly, for various professions.Flexible insurance durations, coverage includes general liability, errors and omissions, business equipment protection. Simply BusinessFocuses on policies for home-based and self-employed businesses.Specializes in self-employed occupations across various sectors, from beauty to construction. InsureonPopular among retail-oriented businesses for hassle-free insurance procurement.Fast application process, bindable quotes, supports third-party insurance companies. CoverhoundAllows shopping from a broad range of carriers, over 40, for competitive rates.Data Driven Matches, advisors compensated on service, not commission, affordable rates. CoverWalletConducts risk analysis to find liability insurance based on specific business needs.Customized risk analysis, considers specific risks and offers add-ons like ocean marine and professional liability. Next InsuranceTargets self-employed and entrepreneurs, promising quick claims responses.Hired and non-owned" auto insurance, specializes in different business sectors. What Kind of Insurance Do I Need for a Small Business? Common Terms You Need to Know You need liability coverage for a small business. If you have employees, you need workers comp insurance. Here are the definitions you need to know: General Business Liability Insurance This is the basic business policy you need for claims to be paid for your business if you, your employees, or your products or services cause bodily injury or property damage. It’s basic protection against claims. Product Liability To protect against claims arising from the use of the business products. You need this for your business on products that you make or on products that someone else makes and you sell. Professional Liability This coverage provides defense for a business against claims for damages caused by someone’s failure to provide or improperly render professional services. Workers Compensation For employees who are injured on the job. You need this if you have W-2s. Cyber Liability To cover a business for data breach of sensitive or nonpublic information about clients or employees. Crime and Financial Liability Covers a business for loss of money or other assets because of employee theft, fraud by third parties or loss due to impersonation fraud (also called social engineering). Commercial Property Insurance For business property and equipment such as office supplies, tools, and inventory, this coverage offers protection against theft and vandalism. Commercial Auto Insurance For company vehicles used to transport employees, products, or equipment. BOP Insurance – Property and Liability An insurance package that includes business interruption, property and vehicle insurance, liability, and crime. Why You Need Small Business Insurance Small business insurance is an essential consideration for any business owner. It provides a safety net that can protect the financial integrity and continuity of a business in the face of unforeseen circumstances. Without adequate coverage, a single accident, lawsuit, or natural disaster could potentially bankrupt an otherwise thriving small business. Here are five key reasons why small business insurance is necessary: Liability Protection: Insurance can cover claims arising from injuries or damages to other people or property, safeguarding your business from lawsuits and legal fees. Property Coverage: Insurance can compensate you if your business property is lost, damaged, or stolen, including buildings, equipment, and inventory. Business Continuity: If your business faces an interruption due to events like property damage or a natural disaster, insurance can provide coverage for lost income and expenses, enabling your business to recover and resume operations. Credibility: Having insurance boosts your business’s credibility with customers, indicating that you’re prepared to compensate if something goes wrong with your product or service. Employee Protection: Workers’ compensation and disability insurance help protect your employees if they become ill or injured on the job, ensuring they receive necessary medical care and compensation for lost wages. How do I get insurance for my small business? You can start with the insurance company you use for homeowners, renters, and personal vehicles if that company also offers commercial insurance. You can call individual commercial companies in your area. You can use websites to search online. Does every small business have insurance? Every business should have insurance. Each business has specific needs, which range according to size and type. For instance, while both a pet groomer and an IT firm with employees may operate from physical locations, their similarities stop there. The best small business insurance advice for owners is to seek the assistance of a professional who can identify the necessary coverages tailored to your specific business operations. What is covered by business insurance? Insurance for small businesses can cover property, products, and vehicles. It can also protect those who offer professional services, such as beauticians or engineers. Each type of small business may have specific elements that require coverage tweaks. Many general policies have available add-ons. You can choose what fits from a menu of add-ons. What is the average cost of small business insurance? The average cost for a basic small business insurance policy ranges from $20 to $140 per month. So much depends on the elements of the business. Factors include location, size of business, and, of course, type of business. Addons to coverage increase the cost, but you can also group policies in umbrella policies to save money. What is the cheapest business insurance? To determine which company provides the most affordable policies, you need to compare them. The most effective way to do this is by using online comparison websites like Mylo Choose and others to apply for quotes. Do I need business insurance for my LLC? An LLC is formed to protect the owners of a company, but that doesn’t mean someone can’t launch litigation against individual members due to the actions of the company. If an LLC has employees, it needs workers’ compensation insurance. Image: Depositphotos This article, "The Best Small Business Insurance Companies and Websites" was first published on Small Business Trends View the full article

Whether you’re a pet sitter or an IT specialist, a caterer or a beautician, a contractor or a retailer, or just starting a business, you have something in common with all small business owners. You need specific business insurance. We’ve waded through all the information to bring you a comprehensive guide. We’ve included business insurance companies, business insurance websites that help you shop, and quick definitions of common terms. No matter which company you choose, here’s an important thing to know upfront: It’ll be tough for you to get theft or vandalism claims paid if you don’t have a security system. The process of getting claims paid is greatly improved if you’ve taken steps to protect your property and equipment. Our Methodology: The Best Small Business Insurance Companies Choosing the best insurance company is a critical decision that impacts financial stability and peace of mind. Here’s our approach to evaluating small business insurance companies and websites: Coverage Options (10/10) The breadth and customization of coverage options are paramount. We assess companies that offer a wide range of policies, including liability, property, workers’ compensation, and industry-specific protections. Cost and Value (9/10) Affordability without compromising on coverage is essential for small businesses. We look for competitive pricing, discounts, and the overall value provided by the insurance offerings. Customer Service and Claims Support (9/10) Responsive and helpful customer service, especially in the event of filing a claim, is crucial. We prioritize insurers with a reputation for supportive and efficient claims handling. Financial Strength and Reliability (10/10) The insurer’s financial health determines its ability to pay out claims. We consider ratings from agencies like A.M. Best to ensure long-term reliability. User Experience of Website (8/10) The ease of obtaining information, getting quotes online, and managing policies through the insurer’s website is an important factor in our assessment. Customer Reviews and Reputation (8/10) We evaluate customer feedback along with the company’s track record of customer satisfaction to assess its trustworthiness and service quality. Additional Resources and Tools (7/10) Resources such as risk assessments, educational materials, and digital tools for policy management add value for small business owners who may be navigating business insurance for the first time. We scrutinize each insurance company and website through this lens to ensure we recommend those that align with the needs and challenges faced by small businesses. Best Small Business Insurance Companies These companies offer the best insurance options for small businesses. The majority have the same basic insurance offerings: general liability, commercial property and/or auto, and workers’ compensation. All have a high rating for claims processing and customer service, and they have insurance franchise outlets throughout most of the country and, in some cases, around the world. We’ve researched some specifics offered by the companies to help you learn about specific or customized features. These insurance companies definitely aren’t all the same. One of them may be the right one for specific types of business insurance your company might need. The good news is you will find an insurer that can take care of your small business needs. State Farm State Farm has earned a great reputation. In addition to basic small business insurance offerings, State Farm has some specialties for business owners: Builder’s Risk Insurance – This policy is in place no matter what a contractor is building, such as an addition, a pool or deck, a fence, or retaining walls. The policy protects supplies such as lumber, as well as personal property (chop saws, tile saws, etc.) kept at the jobsite. Customized Combos – By combining several types, such as commercial auto, workers’ compensation, and general liability, you’ll get a discount. Comprehensive General Liability – Most general liability policies protect against bodily injury and property damage. The State Farm Comprehensive general liability insurance adds advertising injury. CNA Also referred to as Continental Casualty, CNA focuses on commercial insurance. The company offers fundamental policies along with over 300 additional options for customization. For example, beginning with general liability insurance, the add-on options include crime protection, commercial auto coverage, and workers’ compensation. Typically, these offerings are considered separate policies. With CNA, they are add-ons, and the bundling saves you money. CNA is recognized for its team of commercial specialists who collaborate with you to create a customized policy. Unfortunately, CNA is only sold through whole brokers and agents. That means you may not be able to find a CNA where you live. It may not be available. CNA is limited to certain markets by zip code and larger cities. Progressive Progressive was the first insurance company to offer monthly premiums. It offers the standard business insurance selections, such as general liability, commercial property, workers compensation and commercial auto. Those policies are offered in-house. Other policies are written by third-party insurers. Those include business income interruption, cyber/data protection, contractor’s insurance and others. Commercial property insurance is broken into three levels. Basic covers wind or fire damage. Broad adds water damage coverage to wind or fire. Special includes wind, fire, and water damage. Basically, with special, everything is covered. The Hartford Hartford Insurance is sold through a network of independent agents. It is known for its association with the AARP. Hartford has a long history in the insurance world. It started in 1810. It covered policyholders after the Chicago Fire of 1871 and after the San Francisco earthquake and fire of 1906. Today, The Hartford commercial insurance line includes the usual small business insurance offerings. You can also get special commercial insurance for coverage on Marine or Livestock business. Through The Hartford, you can also find group benefit policies for your employees, including group life, accident and disability insurance, and group retiree health to individual members of employees’ groups. Nationwide – Best for Liability Insurance If every small business insurance provider offers liability insurance, what makes Nationwide stand out as the best small business insurance? Nationwide in considered the best small business insurance because it offers specialized liability insurance. For example, you can opt to include equipment breakdown insurance, and you’d be covered for repair or replacement costs if a piece of equipment fails. Or, add a related policy to cover business income interruption, to cover monies lost because the equipment failed (loss of net profit). Nationwide’s customized umbrella insurance can provide higher limits than what is standard in a policy. With customized umbrella insurance, you’d be covered for a higher claim amount. Hiscox – Best Insurance Company for Self Employed The globally respected Hiscox is delivered through a network of brokers. The company’s focus is on professional liability. Through the wide network of brokers, Hiscox will find the best policy to cover risks that are specific to a certain business occupation, or line of work. Its small business reputation is built on insuring the self-employed, and Hiscox has branched out to include more small businesses. Along with the standard offerings of general liability and commercial property insurance, Hiscox business coverages include marine and aerospace companies, as well as (tech) hacker insurance and political risk insurance. Liberty Mutual Liberty Mutual got its start as a worker compensation specialist. The business liability insurance standards include general liability, workers compensation provider, commercial property insurance, business owners policy (bop) coverage, professional liability, and errors and omissions insurance. Liberty Mutual offers some less common coverages: Liquor Liability – for businesses that sell, serve, or distribute alcohol. Commercial Auto – includes vehicles that are owned, leased, and non-owned but hired. The coverage includes the drivers. Crime – Losses and property damage caused by the acts of criminals. Liberty Mutual Business insurance for small businesses such as energy companies, educational facilities, food and beverage manufacturers, agricultural/farm businesses, building maintenance companies, and contractors. Suracy Suracy has a full menu of typical business insurance offerings and also provides coverage for specific small business owners. One of its insurance options is Paid Family Leave insurance. The policy provides up to 12 weeks of paid leave for employees with a new child, a family member with a medical condition, or a family member who is active military. The specific small businesses covered include franchises, non-profits, religious organizations, unions, and other business organizations. Suracy also provides employment liability insurance to protect against lawsuits for discrimination or wrongful termination filed by current or past employees. The company offers medical malpractice insurance. BUA Express BUA Express is a specialty insurance designed to provide coverage to businesses or organizations that hold events. Event cancellation insurance is called Showdown. Showdown can be provided for events such as trade shows, expositions, conventions, meetings, sporting events, and entertainment venues, such as concerts. Showdown can provide coverage to refund money if an event is canceled, disrupted, postponed, or relocated for reasons beyond your control. GEICO Geico has a strong lineup of liability insurance, both personal (for self-employed or independent contractors) and commercial. It offers general liability insurance, including coverage against property damage. Geico also offers professional liability insurance, workers’ compensation, cyber liability, medical malpractice, and commercial auto insurance. Through an insurance partner, Berx, Geico has added small business insurance for companies involved in wellness and fitness, such as gyms and yoga studios. In addition to general liability insurance, Geico customers can choose from a varied menu for specifics to add for umbrella coverage. For example, an independent contractor can add identity protection insurance. Progressive Commercial – Best for Commercial Auto Insurance What is the difference between Progressive and Progressive Commercial Auto? Progressive Commercial Auto branches out to much more than just Auto. The policy covers vans, tow trucks, box trucks, dump trucks, and food trucks. Food trucks include vending trucks, where food is prepared and served, and also catering trucks, where food is delivered. Food trucks include ice cream trucks. Van coverage includes food delivery (such as from restaurants), florist delivery trucks, and tradespeople (such as plumbers or heating technicians) making service calls. Van coverage also includes courier delivery vans. Travelers – Best for Commercial Property Insurance Travelers are sold by independent agents. The company is presently the third-largest insurer of commercial property. It’s rated #1 in 9 states and in the top five in 49 states. What’s behind the high ratings? The general liability insurance rate is discounted as other policies are added, such as the Business Owners Policy (BOP). Its data breach insurance is through. It covers cyber extortion, and the costs for data restoration and notifications to customers. The data breach insurance covers the cost of legal representation and public relations. Another top offering in business liability insurance is Travelers Employment Practices Liability Insurance. This covers business owners if workers claim that an accident or illness has been caused by unsafe working conditions. To date, Travelers does not provide professional liability insurance. Embroker – Best for Tech Startups Tech startups go to Embroker for insurance. That’s where the company built its business. Embroker has branched out, and business owners are learning about its other commercial policies. Those are also geared to startups. Those types of business insurance include coverage for boiler and machinery, commercial property and auto, builders risk, business interruption, cyber liability/data breach, liquor liability, inland marine, flood and earthquake, product liability or recall, special events, and kidnap/ransom. Embroker offers umbrella policies that pick and choose from those coverages to form the combo that is best for businesses. Zurich – Flexible General Liability Insurance Zurich specializes in insurance needs for home-based businesses. The company general liability insurance for these types of businesses includes coverage for theft, fire and wind damage – as would be common in most home insurance policies. The general liability insurance coverage is flexible, and if needed, you can include coverage for special equipment needed for your home-based business. The policy would cover loss, damage, or theft, and also include costs of repair, replacement, and loss of profit. You can further protect your business by including typical office contents, such as computers and printers. Or you can opt to include special equipment. Berkshire Hathway GUARD Berkshire Hathway’s GUARD coverage options include a business owner’s policy or BOP as a base, with a wide range of coverage for an expanded commercial package. Commercial insurance product options include the standards, such as business liability, the business owner’s policy, commercial auto insurance, and other liability coverage. With an umbrella package, small business owners have options for the amount of liability coverage. In typical umbrella packages, the top amount is $1 million. With GUARD, small business owners can increase that to $5 million. GUARD also specializes in developing policies for certain businesses: resort hotels and inns, travel plazas and truck stops, country clubs, golf courses, manufacturers, and wholesalers and distributors. Chubb – Best for International Coverage Chubb got its start as a marine insurance company for business owners in the NYC area. It’s now the largest publicly traded casualty and property insurer in the world. In addition to general liability policies, small business insurance options include professional liability insurance. Professional liability insurance includes directors and officers, errors and omissions, employment practices liability, and cybercrime. Chub develops professional liability insurance using more than 25 business categories. Chubb also offers health and accident policies, such as health and life insurance for employees. Chub has expanded to include special risk coverage options for companies that are hosting events. TechInsurance – Best for Tech Startup Business TechInsurance initially targeted business owners within the IT sector. Among the various types of business insurance, it is still best recognized for this specific category. The company also offers a guide on how to develop and maintain a successful IT business. TechInsurance now offers many types of business insurance, including options for home-based business, construction, finance, real estate, and health care. It specializes in developing commercial policies for independent contractors and freelancers (including professional liability insurance coverage). The company’s commercial general liability coverage covers bodily injury to clients/customers, advertising liability, cyber attack/data breach insurance for small businesses, and more. Best Insurance Websites to Get Comparisons and Quotes in Minutes How can a business owner find the right insurance for the business’s needs? How can you make sure you’ve gotten the coverage you need at a fair price? The coverage you need depends on your specific business needs. When you’re shopping for insurance providers, you get a quote or quotes from insurers as part of the process. Getting an insurance quote via an insurance website can streamline the process. An insurance agent isn’t just researching coverage options from one company. Instead, an insurance agent is searching multiple insurance policies from multiple insurers. Using an insurance website is a way to make sure you are getting the coverage your business needs. You can review the responses from insurance providers and review information on a number of small business insurance policies. You can make sure you’re getting the right coverage for your business needs. The only downside? These sites will use cookies to track your visit. Mylo Choose- Best Overall One of the reasons Mylo Choose is considered one of the 7 best sites to find small businesinsurance policies is due to its thorough information gathering. You’ll answer questions about your coverage needs, such as the number of employees, whether or not you use company vehicles, information about your office or brick-and-mortar location, and details about your physical product or customer services. Mylo Choose will then use that valuation of businesses needed to recommend the best coverage from multiple carriers. Mylo Choose also searches for small-group health, dental, vision, and life insurance group rates for companies with 2-99 employees. TrustedChoice TrustedChoice searches for typical small business insurance policies and also searches for a wide range of businesses. The site is known for finding the best insurance policies for builders risk and inland marine. TrustedChoice also handles a variety of professional liability policies for a wide range of businesses: doctors, lawyers, pharmacists, chiropractors, engineers (design liability), IT specialists, and teachers. Thimble – Best for Flexibility Thimble stands alone for a length of time; insurance protects your business. The insurance protects time lengths, which can be as short as hourly. In addition to hourly coverage, Thimble can provide daily, weekly, or monthly options. Customer choices for types of insurance include general liability, professional liability, error and omissions, and business equipment protection. Typical customers include photographers/videographers, fitness and personal trainers, entertainment professionals, hair stylists, and pet sitters/dog walkers. Thimble now offers drone insurance and is adding event insurance. Reviews for customer service are extremely favorable. Simply Business Best site if you’re seeking a policy for a home-based business. Simply Business specializes in self-employed occupations in businesses to include: beauty/cosmetology, carpenters, cleaners, handypersons, contractors, real estate agents, janitors, landscapers, lawn care specialists, painters, photographers, and plumbers, to name a few. Insureon – Best for Hassle-Free Business Insurance This search tool is a favorite amongst businesses that serve retail clients. Insureon supports third party insurance companies to deliver commercial insurance products. The products include business and professional insurance. Insureon is known for its extremely fast online application process and bindable quotes from insurance companies. Coverhound The site platform allows users to shop for insurance from a wide variety – more than 40 – carriers. Some of the carriers it searches include Chub, Hiscox, Nationwide, and Progressive. Coverhound is known for finding the most affordable rates. The search process uses Data Driven Matches using a comprehensive assessment. The advisors are compensated on service, not commission. CoverWallet – Best for Comparing Liability Insurance The policy search is based on specific business needs. As part of the search process, the company does a risk analysis. CoverWallet looks at specific risks such as workers’ compensation, legal liability, property damage (remember to get claims paid easily and have a security system), and liability. CoverWallet also looks at available add-ons such as ocean marine and professional liability needs for service-based businesses. Next Insurance Designed for self employed and entrepreneurs, from general contractors to personal trainers. The company boasts a claims response of 48 hours. Next Insurance has a “hired and non-owned” auto insurance offering for businesses that use rented cars or employee-owned vehicles for work. Summary of the Best Small Business Insurance Companies Insurance CompanyOverviewUnique Offerings State FarmRenowned for robust insurance offerings tailored to small businesses.Builder's Risk Insurance, Customized Combos for discounts, Comprehensive General Liability. CNASpecializes in commercial insurance with extensive add-on options.Add-on options for general liability, commercial specialists for personalized policies, limited availability. ProgressiveOffers standard insurance and third-party policies, known for monthly premiums.Tiered commercial property insurance, monthly premiums, in-house and third-party policies. The HartfordA historical player in insurance with a strong small business line.Association with AARP, coverage for unique business types like marine or livestock, employee group benefits. NationwideKnown for specialized liability insurance options.Specialized liability insurance, equipment breakdown insurance, customized umbrella insurance. HiscoxFocuses on professional liability, insuring self-employed and small businesses.Marine and aerospace coverage, hacker insurance, political risk insurance. Liberty MutualStarted as a worker compensation specialist, now offers a broad range of coverages.Liquor Liability, Commercial Auto for various vehicles, Crime coverage. SuracyProvides typical business insurance and coverage for specific small business owners.Paid Family Leave insurance, coverage for franchises, non-profits, and religious organizations. BUA ExpressSpecialty insurance for businesses or organizations hosting events.Event cancellation insurance with ShowDown policy, covers trade shows, sporting events, and entertainment venues. GEICOStrong lineup of liability insurance for personal and commercial use.General liability insurance, professional liability, cyber liability, medical malpractice, commercial auto insurance. Progressive CommercialA branch of Progressive focusing on commercial auto insurance.Coverage for a variety of commercial vehicles, including food and delivery trucks. TravelersOne of the largest commercial property insurers, known for its extensive coverage.Discounted rates with added policies, thorough data breach insurance, Employment Practices Liability Insurance. EmbrokerInitially focused on tech startups, now offers a broad range of commercial policies.Specialized policies for startups, coverage for boiler and machinery, cyber liability, product recall. ZurichSpecializes in home-based businesses and flexible general liability insurance.Coverage for home business-specific risks, flexible policies including special equipment coverage. Berkshire Hathaway GUARDOffers a broad range of commercial insurance products with customizable options.Business owner's policy with expanded commercial package, specialized policies for various industries. ChubbThe world's largest publicly traded property and casualty insurer, with international reach.Professional liability insurance across various business categories, health and accident policies, special risk coverage. TechInsuranceInitially IT-focused, now provides diverse business insurance options, including for self-employed.Coverage for independent contractors and freelancers, comprehensive liability insurance. Mylo ChooseInsurance aggregator known for extensive information gathering to recommend policies from multiple carriers.Searches for small group health rates, recommends coverage from multiple carriers. TrustedChoiceProvides typical small business insurance policies and specializes in certain types.Known for best policies for builders risk and inland marine, wide range of professional liability policies. ThimbleOffers insurance for short-term periods, even hourly, for various professions.Flexible insurance durations, coverage includes general liability, errors and omissions, business equipment protection. Simply BusinessFocuses on policies for home-based and self-employed businesses.Specializes in self-employed occupations across various sectors, from beauty to construction. InsureonPopular among retail-oriented businesses for hassle-free insurance procurement.Fast application process, bindable quotes, supports third-party insurance companies. CoverhoundAllows shopping from a broad range of carriers, over 40, for competitive rates.Data Driven Matches, advisors compensated on service, not commission, affordable rates. CoverWalletConducts risk analysis to find liability insurance based on specific business needs.Customized risk analysis, considers specific risks and offers add-ons like ocean marine and professional liability. Next InsuranceTargets self-employed and entrepreneurs, promising quick claims responses.Hired and non-owned" auto insurance, specializes in different business sectors. What Kind of Insurance Do I Need for a Small Business? Common Terms You Need to Know You need liability coverage for a small business. If you have employees, you need workers comp insurance. Here are the definitions you need to know: General Business Liability Insurance This is the basic business policy you need for claims to be paid for your business if you, your employees, or your products or services cause bodily injury or property damage. It’s basic protection against claims. Product Liability To protect against claims arising from the use of the business products. You need this for your business on products that you make or on products that someone else makes and you sell. Professional Liability This coverage provides defense for a business against claims for damages caused by someone’s failure to provide or improperly render professional services. Workers Compensation For employees who are injured on the job. You need this if you have W-2s. Cyber Liability To cover a business for data breach of sensitive or nonpublic information about clients or employees. Crime and Financial Liability Covers a business for loss of money or other assets because of employee theft, fraud by third parties or loss due to impersonation fraud (also called social engineering). Commercial Property Insurance For business property and equipment such as office supplies, tools, and inventory, this coverage offers protection against theft and vandalism. Commercial Auto Insurance For company vehicles used to transport employees, products, or equipment. BOP Insurance – Property and Liability An insurance package that includes business interruption, property and vehicle insurance, liability, and crime. Why You Need Small Business Insurance Small business insurance is an essential consideration for any business owner. It provides a safety net that can protect the financial integrity and continuity of a business in the face of unforeseen circumstances. Without adequate coverage, a single accident, lawsuit, or natural disaster could potentially bankrupt an otherwise thriving small business. Here are five key reasons why small business insurance is necessary: Liability Protection: Insurance can cover claims arising from injuries or damages to other people or property, safeguarding your business from lawsuits and legal fees. Property Coverage: Insurance can compensate you if your business property is lost, damaged, or stolen, including buildings, equipment, and inventory. Business Continuity: If your business faces an interruption due to events like property damage or a natural disaster, insurance can provide coverage for lost income and expenses, enabling your business to recover and resume operations. Credibility: Having insurance boosts your business’s credibility with customers, indicating that you’re prepared to compensate if something goes wrong with your product or service. Employee Protection: Workers’ compensation and disability insurance help protect your employees if they become ill or injured on the job, ensuring they receive necessary medical care and compensation for lost wages. How do I get insurance for my small business? You can start with the insurance company you use for homeowners, renters, and personal vehicles if that company also offers commercial insurance. You can call individual commercial companies in your area. You can use websites to search online. Does every small business have insurance? Every business should have insurance. Each business has specific needs, which range according to size and type. For instance, while both a pet groomer and an IT firm with employees may operate from physical locations, their similarities stop there. The best small business insurance advice for owners is to seek the assistance of a professional who can identify the necessary coverages tailored to your specific business operations. What is covered by business insurance? Insurance for small businesses can cover property, products, and vehicles. It can also protect those who offer professional services, such as beauticians or engineers. Each type of small business may have specific elements that require coverage tweaks. Many general policies have available add-ons. You can choose what fits from a menu of add-ons. What is the average cost of small business insurance? The average cost for a basic small business insurance policy ranges from $20 to $140 per month. So much depends on the elements of the business. Factors include location, size of business, and, of course, type of business. Addons to coverage increase the cost, but you can also group policies in umbrella policies to save money. What is the cheapest business insurance? To determine which company provides the most affordable policies, you need to compare them. The most effective way to do this is by using online comparison websites like Mylo Choose and others to apply for quotes. Do I need business insurance for my LLC? An LLC is formed to protect the owners of a company, but that doesn’t mean someone can’t launch litigation against individual members due to the actions of the company. If an LLC has employees, it needs workers’ compensation insurance. Image: Depositphotos This article, "The Best Small Business Insurance Companies and Websites" was first published on Small Business Trends View the full article

Last week, in an article for Fast Company, author and tech executive Rebekah Bastian wrote about why she doesn’t read productivity books. The vast majority of these books are written by men who don’t shoulder the majority of parenting duties, she says. “Like so many working women, I carry a substantial portion of the ‘second shift’ at home: cooking, homework help, bedtime routines, and general emotional support,” she writes. “The big chunk of uninterrupted time that these authors count on—whether it’s a 5 a.m. stretch of ‘sacred hours’ or a mini-sabbatical to reboot creativity—just doesn’t exist in my life. If I tried to follow their advice, I’d be setting myself up for failure or burnout.” Bastian discusses some of the more sustainable habits that she incorporates into her life, including multitasking when appropriate. While fixating on maximizing productivity can lead to burnout, there are reasonable ways, such as this, to try to get more done in less time: Embrace ‘No’ Sometimes the best way to make space for what you want or need to do is to decline opportunities that don’t advance your goals. Of course this doesn’t work for every situation—sometimes we all have to take on projects that we don’t want to do. But it’s still worth practicing pausing before agreeing to new assignments, writes Mikaela Kiner, founder and CEO of uniquelyHR. “It’s sometimes helpful to ask, ‘If I don’t do this, will it matter in three weeks, three months, three years from now?’” says Kiner. “This way, you’ll get a more accurate picture of whether your lack of participation is genuinely critical.” Prioritize creativity and rest “As we race to our jobs, churn through never-ending to-do lists, and run from meeting to meeting, eyes glazed over from the frenzied nature of our daily lives, many of us believe that we need to work this way in order to deserve rest,” writes Katina Bajaj, cofounder and chief well-being officer of Daydreamers. But downtime is critical to happiness and well-being, she says. “The antidote to our ‘productive’ nature is simple, but often overlooked. The key is to wake up a part of ourselves that we’ve numbed in order to exist on the hamster wheel: our naturally creative minds.” Pursuing creative projects and prioritizing rest help make the time you spend working more productive, says Bastian. “Creative hobbies—like aerial arts or art projects—are also productive, because they nourish my mental health. And rest is productive, because it replenishes the energy I need to show up fully in work and life.” View the full article