Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Commodo odio aenean sed adipiscing diam. Tellus in hac habitasse platea dictumst vestibulum rhoncus est. Aliquam id diam maecenas ultricies mi. Quisque non tellus orci ac auctor augue mauris augue neque. Pretium lectus quam id leo in. Tristique nulla aliquet enim tortor at auctor urna nunc. Nullam vehicula ipsum a arcu. Consequat ac felis donec et odio pellentesque diam. Volutpat lacus laoreet non curabitur. Lorem donec massa sapien faucibus et molestie ac. Ullamcorper sit amet risus nullam eget felis eget nunc. Lacus sed turpis tincidunt id aliquet risus feugiat in. Proin nibh nisl condimentum id venenatis.

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To be successful in business you must be able to lead people and remember there is more than one way to do it. Steve Jobs, founder of Apple, lead with a strong hand getting involved in every detail of his business compared to Herb Kelleher, founder of Southwest Airlines, whose approach was more of a free spirit. I'm sure both of them would give you different Leadership rules but they both were highly successful. Here are mine:

• Leaders make sure their team not only sees the vision but lives and breathes it.
• Leaders have the courage to make unpopular decisions.
• Leaders inspire learning by setting the example.
• Leaders establish trust, transparency, and credit.
• Leaders celebrate others' success.

• The Entrepreneur - This person has the ability to come up with great business ideas.
• The Manager - This person may not come up with great business ideas, however, they know how to Manage/Operate the company.
• The Bean Counter - This person is the Accountant or Bureaucrat placing excessive emphasis on controlling expenditure and budgets.
• The Cheerleader - This person is the one that talks to the Entrepreneur or Manager or Bean Counter when things aren't going well in their area. The Cheerleader encourages each personality when needed, telling them that they are the most important person in the company, helping them to get back on track and moving forward.
  

The question is, which of these skill sets do you have? Whatever skillset that you feel is needed, make sure you employ or contract it to help ensure your success.

You can operate your business without new office furniture, the fastest new computer, or the best-looking office space, but if you are serious about being an entrepreneur you must protect your company from being liable for accidents, legal claims, and damages to your business. Natural disasters, theft, employee injuries, property damage, and other circumstances can all have a negative impact on your business if you're uninsured. Below are my three Must.

General Liability Insurance, also known as commercial general liability insurance or business liability insurance

• Costs for property damage claims against your business
• Medical expenses if someone gets injured at your company
• Advertising injury claims against your business
• Administrative costs to handle covered claims
• Court costs, judgments, and settlements for covered claims

Worker's Compensation Insurance, also known as Worker's Comp

Workers' comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

• Medical expenses
• Lost wages
• Ongoing care costs
• Funeral expenses

Unemployment insurance, also known as Federal and State Unemployment Insurance

All employers are required to pay federal and state unemployment insurance. This is a small percentage of the employee’s pay that you withhold as part of payroll taxes that is added to a pool for future unemployment benefits. Unemployment insurance does not require you to buy an insurance policy, you simply must deduct the appropriate amount of funds. Check your state’s unemployment insurance rate to make sure you are meeting the legal contribution requirement for unemployment insurance.

Just like personal insurance policies such as vehicle, health, and rental insurance, business insurance comes in many forms to protect business owners. Not all businesses need every kind of small business insurance, so it’s important to understand their functions to create an insurance plan that makes sense for your business. Here are my top three.

1. General Liability
2. Worker's Compensation Insurance
3. Unemployment insurance

3 Gems Why to Buy

• It is very important to have business insurance because the financial consequences of a potential mishap could force you to close. Business Insurance provides protection and peace of mind knowing that if a customer or passersby experience harm at the hands of your business, or if your business is harmed by an incident such as a fire your business is protected.
• Business insurance not only can protect you it also protects others. If your business somehow hurts your customer and you are found liable because of your products, you need business insurance to ensure that you will be able to pay for the damage you've caused, and it helps you from filing bankruptcy or closing.
• For your business to grow you must do more business with more people and/or with larger companies and government entities. Larger companies and government entities will require that you have certain types of business insurance, such as General Liability, Professional Liability, Employment practices liability or workman's compensation, just to name a few. As entrepreneurs, we all agree we want our business to grow and be profitable, but with growth comes more liability exposure and that's why it is essential you have business insurance coverage.

Fair Dealing

• The Insurance Companies must always act in the client's Best Interest.
• In ALL Insurance agreements there is language that prevents the company from acting in bad faith in transactions involving your Claim.
• If for any reason that you feel that the Insurance company is in breach of this responsibility you are entitled to sue for damages!

Insurance Contract

• Your Insurance Company must honor any/all responsibilities outlined in your policy.
• Anytime a provision in your policy is found to be ambiguous it's interpreted by a court as being in your favor if there's a dispute.

General Duties

• All insurance Companies have a legal duty to fully investigate your claim, not just the parts that support their position.
• All insurance companies must provide you with all necessary information so you can protect your claim under the policy.
• All insurance companies must respond to your communications and promptly pay your claim if it's found valid.

Duty to Defend

• Depending on the nature of your agreement, your insurer may have a duty to indemnify or defend you under certain circumstances.
• The duty to defend provides you with legal representation if you're sued.
• The duty to indemnify pays for any legal judgments against you. Both are dictated by the terms of your policy.

They give up.

• They don’t work hard enough.
• They aren’t resourceful when things get slow.
• They don’t see success within 6 months of starting their business so they don’t think it’ll work, so they quit.

Here are the Black Gems for today that will help your business be Successful

• Identify what is the most impactful thing that you can do each day to help your business and do it (even if it's not the part of your business that you like doing the most).
• Buckle down, do whatever is the hardest and most impactful tasks as early as possible each day, your business will not only survive, it will thrive, you will Succeed.
• Remember, you must do the hard tasks each day, not just when it’s convenient. Having a successful business is not easy, it takes Hard Work. Sometimes it’s not "convenient."

1. Make your existing Customers your marketing team.
   • Offer coupons or discounts in exchange for referrals
   • Offer discounts or giveaways for existing customers to like you or provide testimonial on social media
   • Offer Free items (Giveaways) or special pricing for first time customers
2. Host a Special event designed for New Customers
   • Offer a group or organization a specified day with specific discounts to introduce them to your business
   • Offer an area in your space as a meeting place for groups to come and host their meetings
   • Sponsor an event where you get maximum advertising to new customers
3. 3. Team up
   • Identify another business that compliments your business and host event
   • Cross promotions will help you tap into their existing customer base
   • Organize an event with others that is big enough to draw a large number of new consumers to your front door

Over 1.5 million dollars is spent every 30 seconds on the internet, your business must have a presence on the world wide web.

Having a website that is professionally done is essential to your business. Remember that a customer’s first impression is a lasting impression.

No matter what type of business you have, today's consumers are buying it over the internet; a house, a car, a vacuum cleaner, food, today's consumers start their shopping on the internet with their cell phone or home computers.

If you are a new Entrepreneur or have been in business for years, make sure you invest in your website, it must be one of the essential parts of your business model.