What health insurance would you recommend for a LLC business owner?
88661
You need to find a good agent to recommend the best carrier but in order of least expensive to most expensive\n\nHMO, POS, Direct Access, PPO\nYou may be able to get by with the HMO with a hospital copay rider and prescription card. It wont be the absolute cheapest but good coverage with low risk exposure. I'm not sure where you are from so its hard to say what company is best in your area.
246759
4 knowledge makes a good point.  What is your deductible?  Also most policies have coverage for the business property, but it may not have coverage for employee property.  Hopefully you have a local agent that can review your policy with you.  If not, here is a good directory: http://www.findlocalinsurance.com
490733
Insurance is regulated at the state level and every state has a state department of insurance.  You are looking for a commercial policy.  Go to the phone book and find an allstate, farmer's, state farm, or independent agent in your area that does commercial insurance.  If you are a brand new start up business, you will typically have to find an agent that specializes in surplus lines.  Primary carriers will typically not insure brand new businesses with no track record.
1019330
Ahhhh, the oxymoron-----liability insurance and "cheap."  There isn't any cheap liability insurance for new businesses.  You will need to check with the Contractors in the area, association, possible union affiliations.  Also, you may want to check with any licensure or regulating body for you type of work.  They will probably tell you what you need on a "contract by contract" basis.  If you are a subcontractor for a general contractor on a job, then you may be able to work under his insurance----but I doubt it.\n\nErrors, omissions, liability, accident, and property damage - depending on how many employees you will have or how many subcontractors you will have working under your policy---I would guestimate at least $400.00 per month----and that's conservative.
628052
You'll need: a business plan, company insurance & license,
636137
The things you listed are all common concerns of small businesses all across North America and a few more would be compliance issues, hiring & termination matters and identity theft; not to mention the failure statistic of starting and maintaining a small business. \n\nThe business plan that has helped 23,000 business owners so far is a plan offered by GoSmallbiz in conjunction with Pre-Paid Legal Services, Inc. I am a small Business Specialist working with both of these companies. For more information about the plans available (including a short movie) visit my site at http://www.prepaidlegal.com/biz/greend94 .\n\nThe most common plan is $2.50/day, the price will vary depending on the location of your business and plan chosen.\nEmail or call if you have any questions.
798713
Check with the Secretary of State. Usually, LLC's have to register their businesses.  Several states have this information online.
917904
Have you checked with any house painter organizations (if any exist)? Sometimes they can provide group health insurance. One word of caution, though. There is debate about the value of association health plans (those you might see with a professional organization). On one hand these plans are less expensive than individual coverage and people with pre-existing conditions are more likely to be accepted than if they tried to apply for insurance on their own. On the other hand, some critics say that association health plan benefits are so watered down that you are better off paying more for a private plan (if you can afford it).\n\nYou might also contact your state insurance department to see if you might be eligible for group health insurance as a “group of one.” Some states expand access to group health insurance to self-employed individuals with no employees. I’ve included links below to state insurance departments and to a listing of state health guides that should explain whether “groups of one” coverage exists in your state.\n\nIf you’d like to talk to local insurance agents and compare health plans online, try MostChoice.com. It’s a fast, no-obligation way to explore the local health insurance market; you might find that health insurance is more affordable than you think. If not, that will make you more confident in your pursuit of alternative options.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
547786
LLC with C-Corp as organizer. Double protection, best limit of liability since you will have guests/customers on your property.
1132689
There are several good plans available in Florida.  Price is going to be a function of where you live and how old your daughter is.  Not all companies offer plans in all areas.\n\nThe best and most affordable health plan will be with Aetna, Blue Cross (BlueChoice), Humana, or United Healthcare (Golden Rule).  It depends where you live.  All are good companies ("A" rated by A.M. Best) with good coverage.\n\nPremiums are regulated by the Florida DOI (except UHC is regulated by the Illinois DOI and they do not regulate premiums).  Your best bet for a low premium is to look at deductibles of $1,000 to $2,500 with co-payments for Doctor visits and prescriptions.  These higher deductibles offer considerably lower premiums and can save you hundreds of dollars a year in premium.  \n\nIt is a question of managing your risk effectively.  Individual health insurance is medically underwritten.  This means that if you are not healthy and your are going to cost them money...you will be declined or the pre-existing conditions will be ridered (excluded) or rated up (price increase of 25-100%).\n\nOn the other hand, if  you are healthy you probably won't be using your health insurance for much more than preventative care.\n\nAetna, BCBS, and Humana all have good preventative care benefits that are NOT subject to the deductibles.  They also have co-pay options available or included in the product.\n\nI hope this helps.
748749
IF YOU WANT TO PAY LESS GET HMO,  AND WAIT LONGER.\nIF YOU WANT BETTER SERVICE GET PPO,  AND WAIT MUCH LESS TIME TO SEE A DOCTOR.
972712
Do as much research as possible, first you should realize that that Group coverage (which you currently have) is guaranteed issued without medical underwriting.  Individual and family plans that you purchase from agents, or directly from health companies are medically underwritten.  This means that if you or any of your family members have health conditions (or have in the past 12months) or take medications it may be difficult or impossible to obtain a plan outside of your husbands employer.  If your family is very healthy, then keep going and first ask get a list of your doctors and you should call your drs office and ask what health plans they accept.  Buying a plan that your Dr. does not accept would be worthless.  In the USA three types of plans have emerged in the last two years, 1. PPO Participating Physician Organization, you can visit any dr within the list of participating physician (normally thousands) and receive discounted rates, copays, and normally involve co-insurance. 2. HMO Health Maintance Organization, with this type you pick 1 primary care physician, and if you need specialty care, your primary care physician will refer you out.  3. HSA Health  Savings Accounts, these are High deductible plans, (perfect for self employed) these are long term strategic plans, you take control of your healthcare costs by purchasing a low costs High Deductilbe (normally 2500-10000) and you pay everything out of pocket until you have reached the deductible.  A smart consumer will open a HSA account at a financial institution (Federal Tax Exempt) earn at least 5% interest and fund it, whatever is not used up by the end of the year rolls over the following year (the money, and account belongs to YOU), Learn more at www.HSAInside.com\n\nLots to consider, I suggest you interview at least 3 or more brokers who specialize in Health Insurance and don't sell anything else.  Lots of plans to pick from, so speak to someone with experience.
360000
Health Insurance provided as a group plan at a business is often twice as expensive as a "individual/family" plan. The reason is that a group plan is not medically underwritten so "sick" people are covered. Also maternity is covered in most group plans but not in individual plans. So switch to an individual plan if you are healthy. To further lower your cost get a higher deductible either $2,500 or even $5,000 per year. Pay the small stuff yourself but use the insurance for the "BIG DEAL".
306707
Try Standard and Poor's.  Call the health insurance company you are interested in and ask them to send you a Fact Sheet on their company.
248274
Start by reading the book "Business Planing For Healthcare Management" by  Carolyn Semple Piggot\n\nYou may also want to check out the resources in Healthcare Intelligence Network http://www.hin.com/ - it's a members only site but it seems to have excellent resources on the topic. It may be worth while to subscribe
84376
You need an umbrella insurance policy as well as others that are mandated to medical practices.  Contact a local insurance company and your state to find out all requirements.
875444
Here's a good article for choosing a health insurance plan:\n\nhttp://www.bellaonline.com/articles/art31285.asp