Insurance & Asset Protection

1 - 25 of 364

5 Tips About Workers’ Compensation Coverage

Almost all employers are required to carry Workers’ Compensation insurance coverage, however the specific details can vary by state. There are number of issues related to workers’ compensation coverage that are either unknown to most, or easily misunderstood. Here are five tips that will better help you manage your workers’ compensation insurance...

Sample Operating Agreement for a Delaware LLC

This Sample Operating Agreement incorporates many of the asset protection concepts presented throughout the Business Owner's Toolkit. It provides for the issuance of voting capital and allows for the issuance of nonvoting capital. Using nonvoting capital can be a major component in a popular estate planning, and thus asset protection, strategy: the family limited liability company (LLC). The Sample Agreement provides that members who hold only nonvoting capital have no right to vote as members or to participate as managers. This eliminates control issues involving junior family members, and also should increase the estate tax savings that result from discounting of the other family member's interests.

Sample Funding Forms

Within this section of Business Tools, we reproduce a number of contracts and forms that are useful in forming and operating a business with a maximum level of asset protection. From the earliest agreement to start a company to ways to remove valuable assets from a growing business, these forms cover the most popular strategies and gives clues as to how best to structure your operation. Equipment leases and various financing arrangements are also covered, allowing you the greatest protections under the law.

Sample Assignment of Accounts Receivable with Recourse

We reproduce a number of contracts and forms that are useful in forming and operating a business with a maximum level of asset protection. From the earliest agreement to start a company to ways to remove valuable assets from a growing business, these forms cover the most popular strategies and gives clues as to how best to structure your operation. Equipment leases and various financing arrangements are also covered, allowing you the greatest protections under the law.

Sample Equipment Lease

Within this section of Business Tools, we reproduce a number of contracts and forms that are useful in forming and operating a business with a maximum level of asset protection. From the earliest agreement to start a company to ways to remove valuable assets from a growing business, these forms cover the most popular strategies and gives clues as to how best to structure your operation. Equipment leases and various financing arrangements are also covered, allowing you the greatest protections under the law.

Sample Articles of Organization

As the founding document for a limited liability company (LLC) or statutory close corporation, articles of organization, by their nature, have serious legal consequences. For example, if there is a conflict between an entity's articles of organization and the entity's operating agreement, in many states the operating agreement, to the extent of the conflict, will be deemed invalid.

Sample Action by Voting Members/Managers

We reproduce a number of contracts and forms that are useful in forming and operating a business with a maximum level of asset protection. From the earliest agreement to start a company to ways to remove valuable assets from a growing business, these forms cover the most popular strategies and gives clues as to how best to structure your operation. Equipment leases and various financing arrangements are also covered, allowing you the greatest protections under the law.

Sample Agreement to Form Business Entity

We reproduce a number of contracts and forms that are useful in forming and operating a business with a maximum level of asset protection. From the earliest agreement to start a company to ways to remove valuable assets from a growing business, these forms cover the most popular strategies and gives clues as to how best to structure your operation. Equipment leases and various financing arrangements are also covered, allowing you the greatest protections under the law.

Fidelity Insurance

A small business owner needs to carry various types of property insurance coverage, and he or she may want to consider purchasing insurance that protects assets from the dishonest acts of others.

The Umbrella Policy

Finally, when deciding how to structure a small business's insurance plans, consideration should be given to purchasing an umbrella policy. This type of policy is designed to provide supplemental comprehensive liability and property coverage (subject, as always, to exclusions).

Long-Term Care Insurance

A small business owner needs to carry various types of property insurance, and among the choices is a newer form of coverage.

Proof of Loss

When deciding on the types of fire/hazard property insurance coverage for a small business, an owner needs to consider a number of policy variables.

Title, Personal Mortgage and Mortgage Life Insurance

A small business owner needs to carry various types of property insurance coverage, but he or she also needs to understand the limits of general coverage.

Co-Insurance Clauses

When deciding on the types of fire/hazard property insurance coverage for a small business, an owner needs to consider a number of policy variables.

Business Interruption Coverage

When deciding on the types of fire/hazard property insurance coverage for a small business, an owner needs to consider a number of policy variables.

Deductibles

When deciding on the types of fire/hazard property insurance coverage for a small business, an owner needs to consider a number of policy variables.

Guaranteed Replacement Value

When deciding on the types of fire/hazard property insurance coverage for a small business, an owner needs to consider a number of policy variables.

Fire/Hazard Property Insurance

A small business owner needs to carry various types of property insurance coverage, and hazard property insurance is certainly a must.

Coverage for Data as Property

When deciding on the types of fire/hazard property insurance coverage for a small business, an owner needs to consider a number of policy variables.

Coverage for Defective Property

When deciding on the types of fire/hazard property insurance coverage for a small business, an owner needs to consider a number of policy variables.

General and Specialized Property Policies

Insurance is the last line of defense for a small business owner executing an asset protection plan. So once an owner has a basic understanding of some general coverage guidelines, it's time to choose the types of policies.

Automobile Liability Insurance

A small business owner may need to purchase specialized liability insurance to cover gaps in a comprehensive general liability policy.

Automobile Property Insurance

Of the various types of property insurance available to a small business owner, a policy covering the use of automobiles is one of the most common.

Cyberspace Liability Insurance

A small business owner may need to purchase specialized liability insurance to cover gaps in a comprehensive general liability policy.

E&O Liability or Malpractice Insurance

A small business owner may need to purchase specialized liability insurance to cover gaps in a comprehensive general liability policy.