Selling Cakes, Cookies And Pies You Need Liability Insurance

It matters not if you bake those chocolate chip cookies once a week for the community center and sell them to make extra money for your son’s little league uniform; if you are selling food products you need liability insurance.

Of course, no one once to think anyone could get sick from their delicious double Dutch chocolate, chocolate chip cookies, but the truth is, it may not be your baking process, it may be an ingredient you used in your cookies, and it is better to be safe than sorry.

Liability insurance policies cover both legal costs and any legal payouts for which the insured would be responsible if found legally liable. Intentional damage and contractual liabilities are typically not covered in these types of policies.

Does a small home-based baker or food processor selling to family, friends and at farmers markets or community fairs/flea markets need liability insurance. Absolutely!

Liability insurance is important for anyone who may be held legally liable for the injuries of others, especially business owners (that’s you). A product manufacturer may purchase product liability insurance to cover them if a product is faulty and causes damage to the purchasers or any other third party. Business owners may purchase liability insurance that covers them if an employee is injured during business operations, for example if you hire your cousin Bill to do the heavy lifting when delivering those amazing beautiful wedding cakes.

One type of insurance coverage that should be considered by all home-based bakers and food manufacturers/processors is “Food Product Liability” coverage. This type of coverage should provide coverage in the event the insured food product injures the person who consumes it. Most retail outlets or locations such as a Farmers Market require that food products have a $1 million to $2 million policy before you will be allowed selling your products. Additional coverage requirements may also be requested.

For example, a retail vendor does not have to allow you to sell your products in their establishment even if you do have the required insurance; plus providers of food product liability insurance may be reluctant to provide you with a policy quote because you are not selling a standard rate of food products. In this case, the provider may prefer to give an estimate which requires very specific information about your products and your business characteristics.

Don’t be surprised if a company requires you to complete an application and submit the businesses’ production, distribution and marketing plans, all of which may be null and void if you are a new home-based baker with no clue of what type of business or how much business you will be doing. The bottom line is product and business liability insurance is essential if you are going to operate a legitimate business in America.

VoIP Small Business Telephone System

You can stay competitive in the business world, by utilizing a small business telephone system with VoIP features. This phone system is an added asset for your business and an ideal choice to efficiently handle all your inbound and outbound business calls. It gives you the freedom to work from your office, home or any location of your choice.

Enjoy Exciting Benefits

A small business VoIP telephone system is highly beneficial for your startup or home based business enterprise. Some of the advantages that these phone systems bring to your business are:

Faster and easier communication
Multiple connections are handled simultaneously
Long distance calls can be made at reduced rates

Improve Quality and Productivity for Your Business

Internet based small business phone system is an ideal means to improve your workplace productivity through enhanced business communication. Compared to traditional phone systems, VoIP phones offer better voice quality. Just like any modern phone system, a VoIP small business telephone system also comes with sophisticated user-friendly features.

With this service, you can efficiently route calls through its call forwarding feature, engage your callers with music on hold, provide system driven announcements on your company’s products and services, and more. With all these features you can present a bigger corporate image and attract more customers to your business.

Find Service Providers with Good Expertise in the Field

If you are planning to switch on to VoIP small business telephone system from a standard phone, you should ensure that you avail of services from an experienced provider in the field. Understanding the business needs of small businesses, numerous providers offer VoIP small business telephone systems and services at relatively lower rates. Such a phone system is truly a boon for business startups to improve business image and productivity through enhanced customer care services.

AccessDirect is a leading provider of small business phone systems. Loads of advanced features are incorporated in our IP phone system including: auto attendant, virtual receptionist, voice mail, etc.

Tops Reasons to Start Home Based Business Franchise

For those who want to start a business from home, there are many home based franchise business options to choose from. In fact, more and more prospective investors and entrepreneurs are entering the business world with this unique franchising concept. In fact, there is plenty of home based business franchise for sale today in different categories such as business services franchise, clothing franchise, and so on. Due to the franchising concept, entrepreneurs dont have to start a business from scratch. In fact, they need to work on a successful business model and concept. This is due to this fact; success in any popular franchise business is very high.

If you get to enjoy the benefits of running a home based franchise business right from the comfort of your home, you can easily combine your career with family responsibilities. Here are some major reasons associated with this unique business concept:

Personal Freedom: The most enticing aspect of buying a home based franchise business is the personal freedom you can enjoy. You can have control over how you want to spend your time and enjoy life. You will be your boss and there will be no one to order you as what to do and so on. If you are good at time management, home based business can be just the perfect solution for you as you can earn as much as possible.

Enjoy financial benefits: Apart from personal freedom, there are attractive financial benefits also in a home based business franchise opportunity. As you dont have to travel to reach your office, you can enjoy huge savings on commute time, gasoline and transportation expenses. Since you work at home, you dont have to pay anything for rented office premises. The earning potential is directly proportional to the amount of time you are devoting to your business.

Less Stress: Running a business from the comfort of your home can reduce the stress of trying to meet the demands of your work life with those of your private life. Here you can devote you time in running a business as per your convenience. Since you are the boss here, there is no office politics and deadlines imposed on you. You only need to follow the deadlines and schedules you have set for yourself to enjoy success. If you think it is necessary you can hire someone to help in your business.

Increased productivity: It has been noticed that working at home help in increasing the productivity level. As you get to save time on commuting, more time available can be devoted to work. More importantly, as it is your business, the enthusiasm of doing better is always high. If operated effectively, it can be like having your cake and eating it, too.

Given these benefits and more, the trend toward home-based franchise businesses is clearly just beginning. Today there are many home based business franchise for sale in the market including computer consulting, tutoring, cleaning, financial consulting, senior care, landscaping, marketing services, home dcor, and so on. Choose one that suits your interest and budget and be your own boss.

The Advantages And Disadvantages Of Direct Mail Advertising For Your Home Business

We all get those random flyers and pamphlets in the mail marketing every product under the sun. Does this type of advertising work? Well people continue to do it so it must, right? While this type of advertising can boost your home based business is can also hurt it. Here are some advantages and disadvantages to weigh when deciding whether direct mail advertising will be an effective advertising strategy for your home business.


Targets Your Prospects: This historically as been the #1 justification for this ad method. Being able to target your specific market and get literature of your company in those peoples hands is priceless. Obtaining some kind of target list can make your direct mail campaign a lot more successful

Analyzing of Data: Based on the responses you receive and most importantly the ones you do not, one can determine where to better use their advertising dollars for future campaigns. This can lead to future mailings becoming better targeted and help you uncover a demographic you did not know existed for your product.

Customer Specific: Direct mail can address the customer personally and be tailored to their needs based on previous transactions and gathered data. The more personal feel you can give your mailings the better chance you have of a positive response. People like to feel like they are the center of attention so for these types of people generic mailings will not resonate with them nearly as well


Cost: With the cost of postage rising each year we will see home based business owners continue to scale back on the number of mailings they send, that is why identifying a defined target market is of utmost importance. Other then the cost of postage, setting up databases of mail recipients can waste serious time and money.

Waste of Paper: Statistics show that 100 million trees are used each year to produced so called junk mail. Environmentalists might have a problem with these stats and thus turn them away to direct mail strategies.

Home based business owners have many options available to them to get their word out. Direct mailing can be an effective way to do just that. Consider the benefits and pitfalls this type of advertising presents for your business before committing dollars to it.

Easy Tactics Of Call Center Script Preparation

The role of script is a matter of great importance to business processes of any kind. To communicate with the prospective customers from a call center is so far the best way to generate better business leads for an organization. Therefore, an importance to the telemarketing agents should be clearly focused in what manner does they follow the conversation process to impress customers.

There are certain tips that will help you to prepare a telemarketing script effective and user-friendly. Here they are:

a) Make it friendly, but easily conversational and professional. Try to maintain a script in a spoken English format. The conversation between both sides will start with a casual process and every query or information shared has to be in a simple language. Write your first draft quickly and ensure that it is simple and easy to read. Avoid long paragraphs and eliminate irrelevant information. Write short structured sentences with a clear meaning.

b) Always make sure that your greeting is easy and easy to pronounce. In addition, ensure that your customer care agents know how to pronounce each and every part of your answer phrase in a clear tone. Therefore, maintaining a brief key-phrase is strongly recommended and callers are requested not to repeat consonant sounds. Doing such can create an awkward situation and the customer can ignore your call instantly.

c) If it is an outbound process, it is essential for the call center agent to give a brief introduction of the tele-marketer’s complete name, company name, and reason for the call. A customer calling agent guides the customer to listen to the prospect of dealing in the services, they offer. Explain the facts involved in the buying patterns, requirements, etc.

d) It is always recommended that the script used in call center service should conclude with a sales motive or with a settlement that given an opportunity to the customer to reciprocate in the future. Therefore, reviewing your script at regular intervals will not only help you reduce the errors but also allow you to develop a style of speaking that is much more comfortable. Check the call logs and read the feedback that is provided by your sales representative.

The role played by call center scripts in inbound call center services determine the rapport of the business outsourced by any organization. The script allows the telemarketer to develop trust and credibility which in turn establish the need for the produ