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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

VRBO is an online marketplace specializing in different rentals. Vrbo vacation rentals have been around since 1995. These vacation rental properties can be found in 190 different countries with over 2 million properties. What does Vrbo stand for? Vacation rental by owner. Some of the owners on this site use a property manager to look after their rental property. You can stay in a standard hotel and or other hotel rooms too. What Is Vrbo? VRBO is a specialized online platform for booking private vacation properties. Focused on offering entire homes without shared spaces, unlike competitors such as Airbnb, VRBO provides travelers with privacy and the comforts of home in various destinations worldwide. Acquired by HomeAway and later by Expedia Group for $3.9 billion, VRBO has expanded its reach, now featuring over 2 million properties across 190 countries. This acquisition has allowed VRBO to enhance its services, offering a seamless booking experience for both guests and property owners looking for a comprehensive vacation rental solution. How Does Booking on Vrbo Work? StepDescription 1. Account Set-upYou can create an account using just an email address and name. An option to add a photo and bio is available. 2. Browse ListingsUse filters to sort through property listings based on destinations, number of guests, and preferred dates. 3. Booking MethodsThere are two methods to book with a property owner: - Instant Booking Request: Confirms your choice immediately. - 24-hour Confirmation: Allows property owners 24 hours to accept or decline your request. Either option through this vacation rental company requires arrival and departure dates, number of guests, and if you’re bringing pets. Learn more about the check-in process here. How Is a Vrbo Vacation Rental Different from Airbnb Vacation Rentals? Not all vacation rental platforms are created equal. Both Vrbo and Airbnb are industry-leading rental sites. There are differences between these vacation rentals and owner sites. For example: Each site boasts booking with a host. Airbnb users and people looking to book through Vrbo both need to send requests. But Airbnb offers an instant book option. Both Airbnb and Vrbo allow hosts to charge an applicable fee for a security deposit. However, the Vrbo website shows more of these. Both of these charge service fees. There’s a standoff here as the Vrbo prices are similar to the entire service fee for Airbnb. Each of these fees for short-term rentals and others is around 20% of the base rate. Airbnb and Vrbo both allow property hosts to charge cleaning fees. A listing from Vrbo is cheaper in this regard. All the bookings on Vrbo show the total reservation costs, excluding taxes. Here’s another advantage for Vrbo. If you’re a travel writer you can use this affiliate link to make extra money. Similarly, you can take a look at these 20 Airbnb competitors to consider if you are looking for more options. What Is the Pricing on the Vrbo Vacation Rental Site? Vacation renters interested in what is vrbo and looking to rent entire homes want to grasp the pricing for this type of property. After selecting the specific Vrbo location you wish to rent, you can make your payment using American Express, MasterCard, or Visa. The host might require full payment upfront. Is Vrbo safe? The answer is yes. They even have a natural disasters page and a contact page for it. When you list, you will need to put in minimum stay, links, and nightly rates plus any additional fees. What Is the Vrbo Service Fee? There are service fees for hosts and two fee models that hosts pay. One is the annual fee, where you pay a flat rate to list all of your properties with Vrbo. The annual subscription rate is $499. There is also a pay-per-booking fee. The guest service fee is a portion of the total amount of the reservation, subtracting taxes and other refundable fees. Guests should also know about the book with confidence guarantee. It covers the entire transaction, and the Vrbo Customer Service team can look after issues like access. The book, with confidence, guarantees that this member of the Expedia group stands apart. However, this is different from travel insurance. What Is Vrbo’s Cancellation Policy for Vacation Rental Services? These vary depending on the different Vrbo properties. Vrbo lists the ones for hosts on their listing pages. The cancellation policies state cancellations need to be made by 11:59 pm in the listing time zone. The refund policy can also depend on the total amount payable. How Do You List a Property on Vrbo? Listing vacation properties is about a little bit more than just listing the available amenities. There is a process that includes the same steps for one or more properties. You can start by clicking the link. The numbered list includes reviewing what other short-term rental properties are charging. You’ll need to review local laws and upload six or more different photos so solo travelers and others can view them. You need to verify your contact information and bank account info. There are a few other steps including having your submission reviewed before you can list the entire property. Enhancing Your VRBO Listing for Maximum Visibility Creating a compelling listing is crucial for attracting potential guests. Here are some tips to enhance your listing: High-Quality Photos: Invest in professional photography to showcase your property’s best features. Bright, clear images can significantly impact a guest’s decision to book. Detailed Descriptions: Provide thorough descriptions of your property, including amenities, nearby attractions, and any unique features. Be honest and transparent to set the right expectations. Responsive Host: Being a responsive host can improve your listing’s attractiveness. Promptly answer inquiries and provide guests with all the necessary information for their stay. Competitive Pricing: Investigate comparable properties in your area to establish competitive pricing. Think about providing discounts for longer stays to entice guests interested in extended vacations. Update Your Calendar Regularly: Keep your availability calendar up to date to prevent double bookings and to appear higher in search results. Leveraging VRBO for Business Travel VRBO isn’t just for leisure travelers. With an increasing number of remote workers and businesses looking for team retreats, it can be an excellent platform for business travel accommodations. Here’s how: Tailor Your Listing for Business Travelers: Highlight amenities like high-speed internet, workspaces, and proximity to major business centers. Offer Flexible Check-in/Check-out Times: Business travelers often have strict schedules. Offering flexibility can make your property more appealing. Promote Extended Stay Discounts: Attract longer reservations by providing discounts, specifically targeting traveling professionals who may require accommodations for weeks or even months. Maximizing Earnings on VRBO To maximize your rental earnings, consider the following strategies: Seasonal Pricing: Adjust your prices based on demand during peak and off-peak seasons to optimize your earnings. Minimize Vacancies: Offer last-minute discounts to fill empty dates. This can help you maintain a steady income stream even during slower periods. Optimize Your Listing: Consistently refresh the content and images of your listing to showcase any enhancements or modifications made to your property. Understanding VRBO’s Review System Reviews are a critical component of the platform, influencing guests’ booking decisions. Encourage guests to leave reviews by: Providing Exceptional Service: Go above and beyond to ensure a memorable stay for your guests. A positive experience is more likely to result in favorable reviews. Following Up After Checkout: Reach out with a courteous message to thank guests for their visit and encourage them to provide feedback. Responding to Negative Reviews Constructively: Address negative reviews in a professional manner by offering solutions to any problems mentioned. This shows your dedication to ensuring guest satisfaction. Is Vrbo or Airbnb Better for Hosts? Property managers and their Vrbo hosts who own the properties want to know who comes out on top with Vrbo Vs Airbnb. Airbnb has one of the lowest host fees but Vrbo offers two different fee options that the host can choose from. Vrbo has a better search filter with more capabilities. There’s also a trip board feature that helps guests to plan their trips and reservation itinerary. In the end, there are bonuses to both sites. Remember, both sites charge a booking subtotal on top of the fees. But you can find more on how to become a Vrbo host. Is Vrbo or Airbnb Better for Travelers? There’s a seesaw battle between these two platforms for travelers, too. However, you can look at the safety tips listed. For example, Vrbo wins for customer service. They have fewer complaints even though they have fewer listings. Airbnb, on the other hand, has had to set up a Resolution Center to deal with problems. Guests have one year to leave a review on Vrbo, while guests and hosts have two weeks to leave reviews on Airbnb. Is HomeAway the same as Vrbo? HomeAway has been fully integrated into VRBO. This consolidation means that VRBO now encompasses what was previously offered by HomeAway, streamlining the vacation rental experience under a single brand. Therefore, references to HomeAway can be updated to reflect this change, emphasizing VRBO’s expanded inventory and unified platform for guests and hosts. Image: Depositphotos This article, "What is Vrbo?" was first published on Small Business Trends View the full article

VRBO is an online marketplace specializing in different rentals. Vrbo vacation rentals have been around since 1995. These vacation rental properties can be found in 190 different countries with over 2 million properties. What does Vrbo stand for? Vacation rental by owner. Some of the owners on this site use a property manager to look after their rental property. You can stay in a standard hotel and or other hotel rooms too. What Is Vrbo? VRBO is a specialized online platform for booking private vacation properties. Focused on offering entire homes without shared spaces, unlike competitors such as Airbnb, VRBO provides travelers with privacy and the comforts of home in various destinations worldwide. Acquired by HomeAway and later by Expedia Group for $3.9 billion, VRBO has expanded its reach, now featuring over 2 million properties across 190 countries. This acquisition has allowed VRBO to enhance its services, offering a seamless booking experience for both guests and property owners looking for a comprehensive vacation rental solution. How Does Booking on Vrbo Work? StepDescription 1. Account Set-upYou can create an account using just an email address and name. An option to add a photo and bio is available. 2. Browse ListingsUse filters to sort through property listings based on destinations, number of guests, and preferred dates. 3. Booking MethodsThere are two methods to book with a property owner: - Instant Booking Request: Confirms your choice immediately. - 24-hour Confirmation: Allows property owners 24 hours to accept or decline your request. Either option through this vacation rental company requires arrival and departure dates, number of guests, and if you’re bringing pets. Learn more about the check-in process here. How Is a Vrbo Vacation Rental Different from Airbnb Vacation Rentals? Not all vacation rental platforms are created equal. Both Vrbo and Airbnb are industry-leading rental sites. There are differences between these vacation rentals and owner sites. For example: Each site boasts booking with a host. Airbnb users and people looking to book through Vrbo both need to send requests. But Airbnb offers an instant book option. Both Airbnb and Vrbo allow hosts to charge an applicable fee for a security deposit. However, the Vrbo website shows more of these. Both of these charge service fees. There’s a standoff here as the Vrbo prices are similar to the entire service fee for Airbnb. Each of these fees for short-term rentals and others is around 20% of the base rate. Airbnb and Vrbo both allow property hosts to charge cleaning fees. A listing from Vrbo is cheaper in this regard. All the bookings on Vrbo show the total reservation costs, excluding taxes. Here’s another advantage for Vrbo. If you’re a travel writer you can use this affiliate link to make extra money. Similarly, you can take a look at these 20 Airbnb competitors to consider if you are looking for more options. What Is the Pricing on the Vrbo Vacation Rental Site? Vacation renters interested in what is vrbo and looking to rent entire homes want to grasp the pricing for this type of property. After selecting the specific Vrbo location you wish to rent, you can make your payment using American Express, MasterCard, or Visa. The host might require full payment upfront. Is Vrbo safe? The answer is yes. They even have a natural disasters page and a contact page for it. When you list, you will need to put in minimum stay, links, and nightly rates plus any additional fees. What Is the Vrbo Service Fee? There are service fees for hosts and two fee models that hosts pay. One is the annual fee, where you pay a flat rate to list all of your properties with Vrbo. The annual subscription rate is $499. There is also a pay-per-booking fee. The guest service fee is a portion of the total amount of the reservation, subtracting taxes and other refundable fees. Guests should also know about the book with confidence guarantee. It covers the entire transaction, and the Vrbo Customer Service team can look after issues like access. The book, with confidence, guarantees that this member of the Expedia group stands apart. However, this is different from travel insurance. What Is Vrbo’s Cancellation Policy for Vacation Rental Services? These vary depending on the different Vrbo properties. Vrbo lists the ones for hosts on their listing pages. The cancellation policies state cancellations need to be made by 11:59 pm in the listing time zone. The refund policy can also depend on the total amount payable. How Do You List a Property on Vrbo? Listing vacation properties is about a little bit more than just listing the available amenities. There is a process that includes the same steps for one or more properties. You can start by clicking the link. The numbered list includes reviewing what other short-term rental properties are charging. You’ll need to review local laws and upload six or more different photos so solo travelers and others can view them. You need to verify your contact information and bank account info. There are a few other steps including having your submission reviewed before you can list the entire property. Enhancing Your VRBO Listing for Maximum Visibility Creating a compelling listing is crucial for attracting potential guests. Here are some tips to enhance your listing: High-Quality Photos: Invest in professional photography to showcase your property’s best features. Bright, clear images can significantly impact a guest’s decision to book. Detailed Descriptions: Provide thorough descriptions of your property, including amenities, nearby attractions, and any unique features. Be honest and transparent to set the right expectations. Responsive Host: Being a responsive host can improve your listing’s attractiveness. Promptly answer inquiries and provide guests with all the necessary information for their stay. Competitive Pricing: Investigate comparable properties in your area to establish competitive pricing. Think about providing discounts for longer stays to entice guests interested in extended vacations. Update Your Calendar Regularly: Keep your availability calendar up to date to prevent double bookings and to appear higher in search results. Leveraging VRBO for Business Travel VRBO isn’t just for leisure travelers. With an increasing number of remote workers and businesses looking for team retreats, it can be an excellent platform for business travel accommodations. Here’s how: Tailor Your Listing for Business Travelers: Highlight amenities like high-speed internet, workspaces, and proximity to major business centers. Offer Flexible Check-in/Check-out Times: Business travelers often have strict schedules. Offering flexibility can make your property more appealing. Promote Extended Stay Discounts: Attract longer reservations by providing discounts, specifically targeting traveling professionals who may require accommodations for weeks or even months. Maximizing Earnings on VRBO To maximize your rental earnings, consider the following strategies: Seasonal Pricing: Adjust your prices based on demand during peak and off-peak seasons to optimize your earnings. Minimize Vacancies: Offer last-minute discounts to fill empty dates. This can help you maintain a steady income stream even during slower periods. Optimize Your Listing: Consistently refresh the content and images of your listing to showcase any enhancements or modifications made to your property. Understanding VRBO’s Review System Reviews are a critical component of the platform, influencing guests’ booking decisions. Encourage guests to leave reviews by: Providing Exceptional Service: Go above and beyond to ensure a memorable stay for your guests. A positive experience is more likely to result in favorable reviews. Following Up After Checkout: Reach out with a courteous message to thank guests for their visit and encourage them to provide feedback. Responding to Negative Reviews Constructively: Address negative reviews in a professional manner by offering solutions to any problems mentioned. This shows your dedication to ensuring guest satisfaction. Is Vrbo or Airbnb Better for Hosts? Property managers and their Vrbo hosts who own the properties want to know who comes out on top with Vrbo Vs Airbnb. Airbnb has one of the lowest host fees but Vrbo offers two different fee options that the host can choose from. Vrbo has a better search filter with more capabilities. There’s also a trip board feature that helps guests to plan their trips and reservation itinerary. In the end, there are bonuses to both sites. Remember, both sites charge a booking subtotal on top of the fees. But you can find more on how to become a Vrbo host. Is Vrbo or Airbnb Better for Travelers? There’s a seesaw battle between these two platforms for travelers, too. However, you can look at the safety tips listed. For example, Vrbo wins for customer service. They have fewer complaints even though they have fewer listings. Airbnb, on the other hand, has had to set up a Resolution Center to deal with problems. Guests have one year to leave a review on Vrbo, while guests and hosts have two weeks to leave reviews on Airbnb. Is HomeAway the same as Vrbo? HomeAway has been fully integrated into VRBO. This consolidation means that VRBO now encompasses what was previously offered by HomeAway, streamlining the vacation rental experience under a single brand. Therefore, references to HomeAway can be updated to reflect this change, emphasizing VRBO’s expanded inventory and unified platform for guests and hosts. Image: Depositphotos This article, "What is Vrbo?" was first published on Small Business Trends View the full article

Adam Galinsky is a social psychologist and professor of leadership and tthics at Columbia Business School. He conducts behavioral science research, having published more than 200 scientific articles. He has been a damage expert in numerous defamation cases and is also a producer on two documentaries shortlisted for Best Documentary at the Academy Awards. What’s the big idea? Every leader leaves their mark on the hearts and minds of a workforce. This can go one of two ways: Leaders can leave behind a legacy of inspiration, or infuriation. Based on thousands of perspectives collected from around the globe, Adam created a systemic formula for choosing and earning the lasting impact you want to have on others. Below, Adam shares five key insights from his new book, Inspire: The Universal Path for Leading Yourself and Others. 1. Inspiring leadership is made up of three universal factors Inspiring and infuriating leaders exist on an enduring continuum that is made up of three universal factors. The exact same characteristics emerge in every culture and country across the globe. The three universal factors are: Being a Visionary, which represents how we see the world. Being an Exemplar of desired behavior, which represents how we are in the world. Being a Mentor, which represents how we interact with others in the world. We can inspire others through our words, actions, and interactions. There are three universal factors because each one fulfills a fundamental human need: Being Visionary fulfills the need for meaning and purpose. Being an Exemplar fulfills the need for protection and passion. Being a Mentor fulfills the need for belonging and status. These universal dimensions are demonstrated by a remarkable pilot, Tammie Jo Shults. She was the captain of Southwest Airlines 1380, traveling from New York to Dallas when an engine exploded and tore a hole in the side of her plane. During the crisis, Tammie Jo was visionary, helping her passengers understand what was happening. As the plane was descending, she gave her passengers a reassuring WHY: “We are NOT going down, we are going to Philadelphia.” Those simple words transformed the cabin from pure panic to possibility. After Tammie Jo amazingly landed her plane with no additional injuries, an EMT evaluated her, asking, “How do you get through security?” When Shults looked confused, he replied, “How did your nerves of steel not set off the metal detector? You’re completely calm.” Throughout the crisis, she was an exemplar, a calm and courageous protector. After the plane landed, Tammie Jo Shults went row by row, making sure her passengers were okay. She understood her role as mentor, to not only protect but also to comfort her passengers. 2. Both inspiring and infuriating leaders are a big deal Leaders either inspire or infuriate because their behavior greatly impacts others. I call this the Leadership Amplification Effect. When we are in a position of leadership, all our words and expressions—positive and negative—get amplified. Constructive comments feel like humiliating criticism when they come from a leader. The phrase “I need to talk to you” sends shivers down our spine when it comes from our boss. And when leaders don’t respond to our queries, their silence can feel deafening. But it’s not all bad news. When a leader compliments or shares credit with others, it becomes glorious praise. The Leader Amplification Effect occurs because when we are in a position of leadership, all eyes are on us. We are onstage. That means all our utterances, gestures, and interactions are intensely attended to and scrutinized. As my research shows, attention amplifies the impact of any stimulus and intensifies our reactions to it. “We will have an impact, whether we like it or not.” The Leader Amplification Effect tells us that leaders rarely produce neutral reactions. That means we will have an impact, whether we like it or not. However, we have control over the type of impact. We always have a choice of whether we inspire or infuriate. We have control over the words we use and the visions we set. We can be better exemplars by regulating our emotions and tapping into our passion. And we have the capacity to be a motivating mentor by empowering and elevating others. 3. Inspiring leaders are made, not born We are not born as inspiring or infuriating individuals. Rather, our current behavior inspires or infuriates us. Because there is a universal and systematic set of inspiring attributes, those skills can be taught, nurtured, and developed. Let’s consider how we can become more visionary. We must present the right message in the right way at the right time. Inspiring leaders offer a big-picture, optimistic vision of the future, while infuriating leaders are small-minded pessimists. But how you present the vision matters, too. Inspiring leaders simplify their big ideas to their essence and then bring them to life with vivid language. For example, “make our customers satisfied” is not as motivating as “make our customers smile” because we can viscerally see and feel that smile. My research with Vita Akstinaitė shows that politicians who use more visual language in their nomination speeches are more likely to be elected. Equally important is when you present your vision. You want to present it again and again and again because repetition increases clarity and understanding. When Blaine Horton and I analyzed TED Talk viewership and investments in entrepreneurial pitches, we found that repeating a core idea was the key to success. So, how can we become more visionary? We can do so by attending to our core values. In one of my recent studies, unemployed individuals who contemplated their values for 15 minutes were twice as likely to find a job over the next two months as those who didn’t. Reflecting on our core values helps us see the big picture and be more hopeful. To be more visionary, we can also practice simplifying and visualizing our messages. Similarly, we can guide ourselves to be more calm and courageous protectors through daily practices like meditation and visualization. And we can be better mentors by training ourselves to let go of the reins and stop micromanaging others. 4. Inspire people by thinking like an architect Just as an architect designs a building to produce specific reactions within people and facilitate certain interactions, we can design policies and protocols to encourage desirable responses and behaviors. As leaders, we are affecting people even when we’re not present. The policies and processes we set up influence people daily, encouraging some actions while discouraging others. Let’s consider designing a weekly meeting. The goal of many meetings is to learn from each other so we can make wiser decisions and produce more innovative ideas. We could take a laissez-faire approach, believing that a lack of constraints will unleash creative insights. But that design choice often invites chaos, conflict, and inefficiencies, where the loudest people reign supreme. Making wise decisions requires staying on track and encouraging participation. Thinking like an architect helps us be more visionary by recognizing the need to craft a clear and well-thought-out agenda. It helps us solve an offshoot of the Leader Amplification Effect: the Leader Silencing Effect, where authority silences other voices. One design choice we can make is when to speak. When we speak first as a leader, it sets a powerful anchor that can weigh the whole discussion down and make it harder for people to share their perspectives, especially if it doesn’t align with what we just said. In contrast, when a leader speaks last, others feel free to share their thoughts. Similarly, what we wear can reinforce or reduce the Leader Silencing Effect. During mission debriefs in the U.S. Army, one thing is left outside the room: uniforms. The military needs every perspective to ensure a full understanding of the completed mission, so they reduce rank differences by having these discussions in civilian clothing. “When we speak first as a leader, it sets a powerful anchor that can weigh the whole discussion down.” We can take the idea of empowerment one step further by designing a rotational system of responsibility for meetings. Sherry Wu of UCLA has found that letting workers run a 20-minute weekly meeting not only increases their satisfaction but also boosts their productivity. That’s how I run my doctoral seminars: Each week, a different student co-leads the class discussion with me. Thinking like an architect can also help us resolve conflict. By establishing voting rules in advance, my colleagues and I reduced the discord that had permeated our hiring meetings. Similarly, I turned my warring sons into more loving siblings simply by changing their drop-off order at school—dropping my more impatient son off first made all the difference. 5. Reflecting makes you more inspiring Reflecting on times when we felt powerful and in control turns us into inspiring exemplars: it makes us more authentically confident, calm, and courageous. And when we want to improve at elevating and empathizing with others, we can reflect on their perspectives. Two broad but powerful reflections can help us stay on the inspiring end of the continuum. Once a month, reflect on when you were inspiring and also when you may have been infuriating. When did you see, or fail to see, the big picture? When were you anxious and cowardly rather than calm and courageous? When did you empower, elevate, and empathize with others—or fail to do so? Second, engage in the same reflection I’ve shared with thousands of people worldwide. Consider an inspiring leader from your own life and how you can emulate that person to foster a similar sense of hope and possibility. Also, reflect on a frustrating leader and how to avoid making others’ blood boil. Finally, turn those reflections into practice. Here is one daily practice guaranteed to inspire those around you: Every morning, reach out to at least one person and praise a task that person did well or thank them for making your life easier. A CEO told me it takes him only minutes over his daily coffee to brighten someone’s day. But here’s the amazing part—it brightens his day too. His morning missives receive effusive replies that put a spring in his step. His daily gestures have created a virtuous cycle of inspiration. This article originally appeared in Next Big Idea Club magazine and is reprinted with permission. View the full article

Working abroad might be just what your career—and personal life—needs. It exposes you (and loved ones) to new, different, and potentially more fulfilling ways of living. It expands your worldview. And it builds skills and a reputation that can serve you well in your field down the road. Marissa Andrada, who’s managed people operations for dispersed teams at major organizations including Kate Spade, Starbucks, Red Bull, and Universal Studios, recalls one American employee she convinced to take on a role in Hong Kong running human resources for the Asia-Pacific region. When the woman returned to the states after her assignment was over, she quickly moved up to manage global HR operations. “Those are career makers for people, defining moments, where you’re able to demonstrate that ability to not only take this knowledge but create something in the footprint of that local culture. You mature so much as a human being and as a leader,” she says. Companies, too, benefit from hiring, developing, and supporting expats, as it enables them to appeal to a broader customer base, retain top talent, and generate a more diverse and skilled workforce. “Organizations should actually encourage more of it,” says Anita Woolley, a professor of organizational behavior at Carnegie Mellon University’s Tepper School of Business who focuses on productivity and collaboration among distributed teams. “When you have individuals who have experience in multiple cultures, they contribute a tremendous amount to facilitating the work of any team that they’re on, whether those teams all share that same cultural experience or not,” she adds. Of course, setting up shop in another country can’t, and shouldn’t, be a snap decision. “While this could be a fun adventure immersing in a culture, there are also things you need to consider—and it depends on where you are in your life stage, too. Does it work for your family? Does it work for you?” Andrada says. But if the answer is a resounding “yes,” here are three options for maintaining a job with a U.S.-based company while living overseas: 1. TRANSFER TO ANOTHER OFFICE Let’s say your company has headquarters or a presence in other countries and you want to snag a spot. The first thing to do is start those conversations as soon as possible. “Have that conversation with your manager about, ‘Hey, I’m really curious about what happens on this side of the world, and what is the process to get there?’” Andrada says. If approaching your boss is intimidating or you’re worried how they might react, consider with whom else you feel comfortable confiding this goal. “Go to anyone in HR—it could be someone in recruiting, it could be your employee relations generalist—and just talk to them,” she says, adding, “There’s no shame in asking.” Once you’re clear on the details and have some internal buy-in, you’ll need to craft a strong pitch for why you, of all people, should be transferred. Outline your current performance and any major wins you spearheaded, then focus on what you can offer a new team or office, or how your move will positively impact your U.S.-based team. “If it’s an organization that is trying to foster better coordination across different locations, having somebody who is familiar with one location go to another location is incredibly beneficial,” Woolley says. Also, cover where and how you’ll add value in terms of relationship building and morale. “It’s an advantage when you say, ‘Here’s my experience with that culture. Here’s the language that I can speak,’” Andrada says. She adds that this doesn’t mean you have to be fluent in the local tongue—rather, you should be open to learning and assimilating, and show the steps you’re taking now to excel in this area, such as signing up for a language or etiquette course. “The most successful people that I’ve seen have really just embraced it,” she says. 2. NEGOTIATE A REMOTE ROLE How about the case where you can’t relocate to another office, but there might be room to transition to full-time remote work? The above tips apply here as well, but you’ll also want to address how you’ll project and time manage without direct oversight. “If you’re not being managed by someone there…how are you going to self-manage, how are you going to make sure that you stay connected, communicating with your key partners back in the U.S.?” Andrada says. Once you’ve been approved to work remotely and gotten settled in your new location, carry this advice over to how you work on a regular basis. “Meet people where they’re at,” Andrada adds, by being a consistent and transparent communicator, and by getting clear on your deliverables, deadlines, and other requests from your manager and team. In the negotiation process, you can mention other upsides to having a presence in another time zone. Logging on at different hours, for example, can help with meeting tight deadlines, expanding clientele, or providing more comprehensive customer service. If your company lacks the proper hardware, software, and IT and HR staff to support remote work, explain how investing in and building out this infrastructure could benefit everyone—and the bottom line. “If there’s a category of talent that the organization is currently struggling to recruit, often tying this pitch to that pain point can be helpful,” Woolley says. “If they are set up to enable people to work remotely, then they could hire more people from different locations. And you can just cite survey after survey about either current job seekers or people who are willing to relocate, and how the remote work option is hugely attractive and something that they value much more than many other aspects of the job.” 3. JOB SEARCH Maybe your company doesn’t allow for remote work or have systems in place for workers who live outside the U.S. If being abroad is truly your dream, you may have to job hunt for something that’s more accommodating (or, alternatively, become your own boss). Before applying to a role, get clear on the eligibility requirements, such as what the visa or work permit process is like and whether the company sponsors it. “The easiest path will be if you find an organization that already operates mostly remotely or primarily remotely—they’re already set up to deal with somebody like that,” Woolley says, adding, “If this is an organization that isn’t even willing to discuss it when they’re in the mode of wanting to recruit you, that’s a pretty strong signal.” Talking to locals or expats can help with deciphering the logistics, finding open jobs, and vetting a place for quality of life. “Start building out a network of people who are based in that area,” Andrada says, by leveraging LinkedIn or other online communities. Next, tailor your application to the country’s standard. For example, a CV or bio might be more common and acceptable than a traditional résumé. In the offer stage, do your research around cost of living and market averages to accurately gauge how much income you’ll need to settle in comfortably—and, Andrada says, expect that that number might be lower than what you make in the U.S. THE QUALITIES EMPLOYEES NEED TO WORK ABROAD No matter your situation, whether you want to change home bases in your current job or find a new company with abroad access, Andrada says these two qualities make for prime global candidates: technical skills and what she calls “tribal knowledge.” The ideal technical skill set will vary depending on your industry, but generally, companies want to move (or hire) employees whose niche expertise can’t easily be replicated or found elsewhere—for example, generative AI or data analysis. “If you have a skill set that is in short supply at the moment, those people are always able to make more demands,” Woolley says. Tribal knowledge, as Andrada defines it, is rooted experience and know-how often only found in veteran staffers at a certain company. Having been a part of the growth and expansion of a company for some time, and fostered strong relationships and a reputation, and then“bring[ing] that to another part of the world, is really valuable for these globally based companies,” she says. Organizations are more likely to sponsor your visa if your “unique set of knowledge” can’t be found locally in that region, she adds. Beyond these two attributes, you must be a high performer. “It’s just easier when you’re already producing,” Andrada says. For job seekers, this means being able to clearly and confidently showcase your track record and how you’ve uniquely contributed to the success of past companies and teams, global or not. Ultimately, Woolley says, going abroad starts with being in the right working environment. “Find the organization that will support you in doing this and ideally even recognize how it’s valuable to them,” she says. “Because then they will probably provide a bunch of [resources] that would be helpful in transitioning to this new location, maybe even helping you move, maybe even providing some local supports as you get set up in the new place.” And when it finally happens, give yourself time and patience to fully adjust. “You just set yourself up for frustration,” she adds, if you expect settling in to take only a couple of days. View the full article

When Moath al-Alwi left Guantánamo Bay for resettlement in Oman, accompanying him on his journey was a cache of artwork he created during more than two decades of detention. Al-Alwi was detainee number “028”—an indication that he was one of the first to arrive at the U.S. military prison off Cuba after it opened in January 2002. His departure from the detention center on January 6, 2025, along with 10 fellow inmates, was part of an effort to reduce the prison’s population before the end of President Joe Biden’s term. For al-Alwi, it meant freedom not only for himself, but also for his artwork. While not all detainees shared his passion, creating art was not an uncommon pursuit inside Guantánamo—indeed it has been a feature, formally and informally, of the detention center since its opening more than 20 years ago. As editors of the recently published book The Guantánamo Artwork and Testimony of Moath al-Alwi: Deaf Walls Speak, we found that art-making in Guantánamo was more than self-expression; it became a testament to detainees’ emotions and experiences and influenced relationships inside the detention center. Examining the art offers unique ways of understanding conditions inside the facility. Art from tea bags and toilet paper Detained without charge or trial for 23 years, al-Alwi was first cleared for release in December 2021. Due to unstable conditions in his home country of Yemen, however, his transfer was subject to finding another country for resettlement. Scheduled for release in early October 2023, he and 10 other Yemeni detainees were further delayed when the Biden administration canceled the flight due to concerns over the political climate after the October 7 attacks in Israel. During his detention, al-Alwi suffered abuse and ill treatment, including forced feedings. Making art was a way for him, and others, to survive and assert their humanity, he said. Along with fellow former detainees Sabri al-Qurashi, Ahmed Rabbani, Muhammad Ansi, and Khalid Qasim, among others, al-Alwi became an accomplished artist while being held. His work was featured in several art shows and in a New York Times opinion documentary short. During the detention center’s early years, these men used whatever materials were at hand to create artwork—the edge of a tea bag to write on toilet paper, an apple stem to imprint floral and geometric patterns and poems onto Styrofoam cups, which the authorities would destroy after each meal. In 2010, the Obama administration began offering art classes at Guantánamo in an attempt to show the world they were treating prisoners humanely and helping them occupy their time. However, those attending were given only rudimentary supplies. And they were subjected to invasive body searches to and from class and initially shackled to the floor, with one hand chained to the table, throughout each session. Furthermore, the subject matter for their art was restricted—detainees were forbidden from representing certain aspects of their detention, and all artwork was subject to approval and risked being destroyed. Despite this, many detainees participated in the classes for camaraderie and the opportunity to engage in some form of creative expression. A window to freedom Making art served many purposes. Mansoor Adayfi, a former Guantánamo Bay detainee and author of Don’t Forget Us Here: Lost and Found at Guantanamo, wrote in his contribution to the book on al-Alwi that initially, “we painted what we missed: the beautiful blue sky, the sea, stars. We painted our fear, hope and dreams.” Those who have been transferred from Guantánamo describe the art as a way to express their appreciation for culture, the natural world, and their families while imprisoned by a regime that consistently characterized them as violent and inhuman. The Statue of Liberty became a frequent motif Guantánamo artists deployed to communicate the betrayal of U.S. laws and ideals. Often, Lady Liberty was depicted in distress—drowning, shackled or hooded. For Sabri al-Qurashi, the symbol of freedom under duress represented his own condition when he painted it. “I am in prison, not free, and without any rights,” he told us. Other times, the artwork responded directly to the men’s day-to-day conditions of confinement. One of al-Alwi’s early pieces was a model of a three-dimensional window. Approximately 40-by-55 inches, the window was filled in with images carefully torn from nature and travel magazines, and layered to create depth, so that it appeared to look out on an island with a house with palm and coconut trees made from twisted pieces of rope and soap. Al-Alwi was initially allowed to keep it in his windowless cell, and fellow detainees and guards would visit to “look out” the window. But as far as we know, it was eventually lost or destroyed in a prison raid. Art as representation and respite In another example of how artwork can be an expression of what former detainees call their “brotherhood,” Khalid Qasim, who was imprisoned at the age of 23 and held for more than two decades before being transferred alongside al-Alwi, mixed coffee grounds and coarse sand to create a series of nine textured, evocative paintings to memorialize each of the nine men who died while held at Guantánamo. Especially in periods when camp rules allowed detainees to create artwork in their cells, the artists’ use of prison detritus and found objects made the artwork more than simply a depiction of what the men lacked, desired or imagined. Artwork helped create an alternative forum for the men’s experiences, especially for those artists who, along with the vast majority of Guantánamo’s 779 detainees, never faced charge or trial. The pieces served as symbols and metaphors of the detainees’ experiences. For example, al-Alwi describes his 2015 large model ship, The Ark, as fighting against the waves of an imagined, threatening sea. In creating it, he wrote, “I felt I was rescuing myself.” Constructed out of the materials of his imprisonment, the work also points to the conditions of his daily life in Guantánamo. Made from the strands of mops, unraveled prayer cap and T-shirt threads, bottle caps, bits of sponges, and cardboard from meal packaging, al-Alwi’s ships—he went on to create at least seven—reveal both his artistic ingenuity and his circumstances. Guantánamo artists talk about the artwork as being imprisoned like them and subjected to the same restrictions and seemingly arbitrary processes of approval or disappearance. The transfer to Oman of al-Alwi and his artwork releases both from those processes. It also creates an opportunity to inform the public about what Guantánamo meant to those who were held there, and to the 15 men who remain. Alexandra Moore is a professor of human rights in literary and cultural studies at Binghamton University, State University of New York. Elizabeth Swanson is a professor of arts and humanities at Babson College. This article is republished from The Conversation under a Creative Commons license. Read the original article. View the full article

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Metricool has released its 2025 Social Media Report, produced in collaboration with Statista, analyzing over 1 million social media accounts and 21 million posts across eight major platforms. The report identifies key trends shaping the digital landscape, from the growing influence of video content to shifting audience preferences across platforms. LinkedIn and Pinterest Show Strong Growth, TikTok Maintains Lead The report highlights LinkedIn’s rise as an engagement leader, with interactions increasing by 99% year-over-year and a 122% jump in clicks. The platform’s 13.87% engagement rate signals its expansion beyond professional networking, attracting influencers and content creators. Pinterest also saw a significant surge, with a 55% increase in clicks since 2023, reinforcing its position as a top platform for brands focused on visual discovery and referral traffic. TikTok continues to dominate audience engagement, with total watch time up 71% year-over-year, solidifying its role as the leading video-first platform influencing digital culture. Platform Performance Breakdown YouTube remains the top platform for visibility, averaging 82 impressions per account, maintaining its stronghold in video content despite increased competition. Facebook’s post reach dropped by 41%, but conversions are growing, with Reels’ reach up 13% and a 6.7% engagement rate, keeping the platform relevant for brand marketing. X (formerly Twitter) regained traction, reporting a 50% increase in impressions, indicating resilience despite platform uncertainties. Instagram showed mixed results, with post reach up 21% but Reels reach down 20%, suggesting shifting algorithm priorities toward traditional posts. Twitch saw an 88% decline in subscriptions, raising concerns about its long-term appeal in the competitive streaming market. The report underscores shifting generational preferences, with Gen Z favoring TikTok, Millennials engaging more on Instagram, and professionals turning to LinkedIn. These patterns reinforce the necessity of platform-specific strategies for brands and marketers. “Social media strategies are being reshaped by the rapid rise of video-first platforms and shifting user demographics,” said Juan Pablo Tejela, CEO and Co-Founder of Metricool. “As highlighted in our 2025 Social Media Report, platforms like LinkedIn and Pinterest are seeing explosive engagement, and it’s clear that the future of social media will prioritize authentic, video-driven connections that resonate across all generations. Engagement remains crucial, with algorithms prioritizing posts with high interaction, making it essential for brands to connect where their audiences are most active and engaged.” Metricool’s analysis covered 1,387,457 social media accounts and 21,211,149 posts from September 2023 to September 2024, spanning TikTok, Instagram, YouTube, X, LinkedIn, Pinterest, Facebook, and Twitch. Image: Envato This article, "Metricool’s 2025 Social Media Report Highlights LinkedIn and Pinterest Growth Amid TikTok’s Continued Dominance" was first published on Small Business Trends View the full article

Metricool has released its 2025 Social Media Report, produced in collaboration with Statista, analyzing over 1 million social media accounts and 21 million posts across eight major platforms. The report identifies key trends shaping the digital landscape, from the growing influence of video content to shifting audience preferences across platforms. LinkedIn and Pinterest Show Strong Growth, TikTok Maintains Lead The report highlights LinkedIn’s rise as an engagement leader, with interactions increasing by 99% year-over-year and a 122% jump in clicks. The platform’s 13.87% engagement rate signals its expansion beyond professional networking, attracting influencers and content creators. Pinterest also saw a significant surge, with a 55% increase in clicks since 2023, reinforcing its position as a top platform for brands focused on visual discovery and referral traffic. TikTok continues to dominate audience engagement, with total watch time up 71% year-over-year, solidifying its role as the leading video-first platform influencing digital culture. Platform Performance Breakdown YouTube remains the top platform for visibility, averaging 82 impressions per account, maintaining its stronghold in video content despite increased competition. Facebook’s post reach dropped by 41%, but conversions are growing, with Reels’ reach up 13% and a 6.7% engagement rate, keeping the platform relevant for brand marketing. X (formerly Twitter) regained traction, reporting a 50% increase in impressions, indicating resilience despite platform uncertainties. Instagram showed mixed results, with post reach up 21% but Reels reach down 20%, suggesting shifting algorithm priorities toward traditional posts. Twitch saw an 88% decline in subscriptions, raising concerns about its long-term appeal in the competitive streaming market. The report underscores shifting generational preferences, with Gen Z favoring TikTok, Millennials engaging more on Instagram, and professionals turning to LinkedIn. These patterns reinforce the necessity of platform-specific strategies for brands and marketers. “Social media strategies are being reshaped by the rapid rise of video-first platforms and shifting user demographics,” said Juan Pablo Tejela, CEO and Co-Founder of Metricool. “As highlighted in our 2025 Social Media Report, platforms like LinkedIn and Pinterest are seeing explosive engagement, and it’s clear that the future of social media will prioritize authentic, video-driven connections that resonate across all generations. Engagement remains crucial, with algorithms prioritizing posts with high interaction, making it essential for brands to connect where their audiences are most active and engaged.” Metricool’s analysis covered 1,387,457 social media accounts and 21,211,149 posts from September 2023 to September 2024, spanning TikTok, Instagram, YouTube, X, LinkedIn, Pinterest, Facebook, and Twitch. Image: Envato This article, "Metricool’s 2025 Social Media Report Highlights LinkedIn and Pinterest Growth Amid TikTok’s Continued Dominance" was first published on Small Business Trends View the full article

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This week our Small Biz Breakdown crew discusses the impact of DeepSeek and what, if any, impact it has on small business owners in the US. How will DeepSeek impact the use of and future of AI technology in America? Check out what our expert panel says on the latest with DeepSeek and other topics in this week’s episode of Small Biz Breakdown … Small Business News Roundup – Feb. 1, 2025 Here are the top headlines from the last week for small business owners and entrepreneurs … Wix Introduces AI-Powered Business Launcher to Simplify Entrepreneurship Wix just introduced Business Launcher, an AI-powered tool designed to help users transform their skills and experiences into fully developed business ventures. The tool provides a structured, end-to-end approach to business creation, offering personalized recommendations, strategic planning, and essential tools to build an online presence. Workplaces Embrace ‘Unhappy Leave’ as a Tool for Employee Well-Being and Retention A growing number of American workers are taking time off for mental and emotional well-being, a practice known as “unhappy leave.” According to a new survey by Sidehustles.com, 60% of employees took unhappy leave in the past year, with support for the policy gaining traction among managers who see it as a tool to improve productivity, job satisfaction, and employee retention. Overalls Report Reveals Life Stressors Significantly Reduce Employee Productivity Overalls, a workplace productivity platform, has released its 2024 year-in-review report, highlighting the substantial impact of life stressors on employee focus and efficiency. Based on data from over 23,000 employee support requests and more than 250,000 data points, the report quantifies the productivity lost due to personal distractions and how businesses can reclaim lost time. FedEx Survey Highlights Evolving Consumer Expectations for E-Commerce Returns FedEx Corporation has released its second annual FedEx Returns Survey, conducted in partnership with Morning Consult, revealing key trends in consumer and business attitudes toward e-commerce returns. The findings emphasize the growing demand for flexible and convenient return options, driven by generational and income-based preferences. Quartet Introduces Dry-Erase Desktop Pad for Organized Workspaces Quartet has launched the Quartet® Dry-Erase Desktop Computer Pad, a budget-friendly workspace solution designed to enhance productivity and organization. The new product aims to simplify workspaces by providing a clutter-free and efficient tool for home, office, or classroom use. The Quartet Dry-Erase Desktop Pad combines durability, functionality, and convenience. Snapchat Expands Opportunities for AR Creators with Challenge Tags and Discounts Snapchat has announced new initiatives to support its global community of over 375,000 augmented reality (AR) creators and developers. The updates include a new monetization feature called Challenge Tags, as well as educational pricing and a student discount for Spectacles, Snap’s AR-enabled smart glasses. Rabbit Launches New Logo Design Services Rabbit has introduced a new lineup of tailored logo design packages aimed at businesses of all sizes. The company combines creativity and strategy to help brands develop distinctive visual identities that resonate with their audiences. OpenAI Introduces Operator: An AI Agent for Automated Browser-Based Tasks OpenAI has launched Operator, an AI-powered agent capable of using its own browser to perform a variety of tasks for users. Operator, available as a research preview to Pro users in the United States, represents a step forward in AI’s ability to handle repetitive and time-consuming browser tasks independently. 70% of Consumers Report Emotional Influence by AI Shopping Assistants, Study Reveals New data from Chadix highlights the growing impact of AI shopping assistants on consumer emotions, revealing that 70% of respondents feel emotionally manipulated by these tools. The study, which surveyed 3,500 U.S. consumers, underscores the emotional triggers driving purchasing decisions, particularly among younger generations. Gas Prices Inch Up Despite Lower Demand and Rising Stocks Gasoline prices in the U.S. increased by three cents this week, with the national average reaching $3.13 per gallon, according to AAA. The modest rise comes despite lower oil costs, declining gasoline demand, and growing domestic gasoline stocks. AAA spokesperson Andrew Gross attributed the price increase to winter-related disruptions. Small Businesses Back Reintroduction of Main Street Tax Certainty Act The National Federation of Independent Business (NFIB) has voiced strong support for the reintroduction of the Main Street Tax Certainty Act, legislation designed to make the 20% Small Business Deduction permanent. The measure, reintroduced by Sen. Steve Daines (R-MT) and Rep. Small Biz Breakdown: What Influence Will Tech Billionaires Have on Trump in Second Term? Our Small Biz Breakdown crew returns this week and they’re talking about technology, specifically AI, and its impact on small business owners in America. The discussion was prompted by the presence of several tech billionaires at the inauguration of President Donald Trump this past week, including Elon Musk, Jeff Bezos, and Mark Zuckerberg. This article, "Small Biz Breakdown: DeepSeek and Its Impact on AI Technology and Small Business in the US" was first published on Small Business Trends View the full article

This week our Small Biz Breakdown crew discusses the impact of DeepSeek and what, if any, impact it has on small business owners in the US. How will DeepSeek impact the use of and future of AI technology in America? Check out what our expert panel says on the latest with DeepSeek and other topics in this week’s episode of Small Biz Breakdown … Small Business News Roundup – Feb. 1, 2025 Here are the top headlines from the last week for small business owners and entrepreneurs … Wix Introduces AI-Powered Business Launcher to Simplify Entrepreneurship Wix just introduced Business Launcher, an AI-powered tool designed to help users transform their skills and experiences into fully developed business ventures. The tool provides a structured, end-to-end approach to business creation, offering personalized recommendations, strategic planning, and essential tools to build an online presence. Workplaces Embrace ‘Unhappy Leave’ as a Tool for Employee Well-Being and Retention A growing number of American workers are taking time off for mental and emotional well-being, a practice known as “unhappy leave.” According to a new survey by Sidehustles.com, 60% of employees took unhappy leave in the past year, with support for the policy gaining traction among managers who see it as a tool to improve productivity, job satisfaction, and employee retention. Overalls Report Reveals Life Stressors Significantly Reduce Employee Productivity Overalls, a workplace productivity platform, has released its 2024 year-in-review report, highlighting the substantial impact of life stressors on employee focus and efficiency. Based on data from over 23,000 employee support requests and more than 250,000 data points, the report quantifies the productivity lost due to personal distractions and how businesses can reclaim lost time. FedEx Survey Highlights Evolving Consumer Expectations for E-Commerce Returns FedEx Corporation has released its second annual FedEx Returns Survey, conducted in partnership with Morning Consult, revealing key trends in consumer and business attitudes toward e-commerce returns. The findings emphasize the growing demand for flexible and convenient return options, driven by generational and income-based preferences. Quartet Introduces Dry-Erase Desktop Pad for Organized Workspaces Quartet has launched the Quartet® Dry-Erase Desktop Computer Pad, a budget-friendly workspace solution designed to enhance productivity and organization. The new product aims to simplify workspaces by providing a clutter-free and efficient tool for home, office, or classroom use. The Quartet Dry-Erase Desktop Pad combines durability, functionality, and convenience. Snapchat Expands Opportunities for AR Creators with Challenge Tags and Discounts Snapchat has announced new initiatives to support its global community of over 375,000 augmented reality (AR) creators and developers. The updates include a new monetization feature called Challenge Tags, as well as educational pricing and a student discount for Spectacles, Snap’s AR-enabled smart glasses. Rabbit Launches New Logo Design Services Rabbit has introduced a new lineup of tailored logo design packages aimed at businesses of all sizes. The company combines creativity and strategy to help brands develop distinctive visual identities that resonate with their audiences. OpenAI Introduces Operator: An AI Agent for Automated Browser-Based Tasks OpenAI has launched Operator, an AI-powered agent capable of using its own browser to perform a variety of tasks for users. Operator, available as a research preview to Pro users in the United States, represents a step forward in AI’s ability to handle repetitive and time-consuming browser tasks independently. 70% of Consumers Report Emotional Influence by AI Shopping Assistants, Study Reveals New data from Chadix highlights the growing impact of AI shopping assistants on consumer emotions, revealing that 70% of respondents feel emotionally manipulated by these tools. The study, which surveyed 3,500 U.S. consumers, underscores the emotional triggers driving purchasing decisions, particularly among younger generations. Gas Prices Inch Up Despite Lower Demand and Rising Stocks Gasoline prices in the U.S. increased by three cents this week, with the national average reaching $3.13 per gallon, according to AAA. The modest rise comes despite lower oil costs, declining gasoline demand, and growing domestic gasoline stocks. AAA spokesperson Andrew Gross attributed the price increase to winter-related disruptions. Small Businesses Back Reintroduction of Main Street Tax Certainty Act The National Federation of Independent Business (NFIB) has voiced strong support for the reintroduction of the Main Street Tax Certainty Act, legislation designed to make the 20% Small Business Deduction permanent. The measure, reintroduced by Sen. Steve Daines (R-MT) and Rep. Small Biz Breakdown: What Influence Will Tech Billionaires Have on Trump in Second Term? Our Small Biz Breakdown crew returns this week and they’re talking about technology, specifically AI, and its impact on small business owners in America. The discussion was prompted by the presence of several tech billionaires at the inauguration of President Donald Trump this past week, including Elon Musk, Jeff Bezos, and Mark Zuckerberg. This article, "Small Biz Breakdown: DeepSeek and Its Impact on AI Technology and Small Business in the US" was first published on Small Business Trends View the full article