Checklist for Self-Employment

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Are you ready to quit the corporate world and simply employ yourself in a business you’ve always wanted to start? Before doing so, here is a checklist that should serve as your guide in self-employment.

  • Your reasons for being self-employed. Why do you want to be self-employed? Is it because you want to be my own boss? Or is it because you want your work schedule to conform to your other endeavors?
  • Do some research.  What businesses usher in big bucks?  Are these merely fads or do they have a strong foundation for staying in the market for a long time? What areas are not yet saturated? 
  • The skills helpful you need for your business. What are your experiences?  What positions have you handled in your previous organizations that you can use in your business?
  • Insurance plans for your business. What kind of insurance should you get? Consider the following insurance plans: employer’s liability insurance, Houston auto insurance, health and accident insurance, premises insurance, public liability insurance, and stock and material insurance.
  • Financing the business.  How will you start up your business? Will you ask funds from your friends, family, or the bank for a loan?
  • Location. Depending on what type of business you decide to get into and taking into consideration your target market or pool of clientele, can you run the business from home, a market stall, or a fair stall? Will you rent a space in the mall or in any commercial establishment? Be ready to get the necessary permits and instructions from local officials or homeowners associations, see to the physical appearance and conditions of the establishment, and arrive at practical mortgage or lease arrangements.
  • Decide on the form of business. Will you be a sole trader? Shall you invite people to form a partnership or a limited company? How about a cooperative wherein the business is collectively owned and controlled? Will a franchise work for you?

These are just some factors to consider and questions to answer when starting up your business. For more information about Houston auto insurance that will help you get quality coverage for your automobile protection needs for your business, visit us!


Rene Toman Insurance Agency


Keeping Your Vehicle Safe

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Cars are very valuable possessions, but they stand great risks of being stolen or broken into. Car thefts are very prevalent and they can range from theft of the entire car or just of its key pieces such as car stereo, tires or side mirrors. Car thieves usually act with accomplices or work under a gang with many members, which make it easier for them to break down the car and sell the pieces separately or sell the entire car overseas.

Thus, it is important to know how to properly take care of one’s car to avoid any distress which may result from car theft. Below are some tips on how to keep you vehicle safe as recommended by an auto insurance Houston company.

There are various ways of keeping one’s vehicle safe. The only important thing to remember is that one should not feel too secure that his vehicle is safe from the hazards of theft because this confidence could very well be the cause of the loss of his car. Simple precautionary measures such as the installation of common security devices can discourage thieves from stealing one’s car. These devices include those which lock the steering wheel, the handbrake and the wheels are readily available and easy to use. These devices are also very visible and unlocking them would be quite difficult for the thieves to accomplish in a public place. In addition, even if the vehicle is not placed in a public place, unlocking these devices will slow the thieves down, which can serve as an effective deterrent against stealing the car.

Car thefts or break-ins do not happen only when the car is parked. There are also some instances where thieves will try to enter the vehicle even while it is running or while it is at a stoplight. Thus, one should also be vigilant even under these circumstances. Common precautionary measures include keeping all doors and windows locked, especially when driving in deserted places or while stationary at stoplights.

Finally, most car thefts occur while the vehicle is parked. Car owners must, therefore, make sure that all windows, doors, and sunroofs are locked before leaving the car and that the keys are not left in the car. Moreover, it is wise to keep valuable items out of sight which can tempt thieves to break in. Another important tip is to avoid parking in unsupervised parking lots, where there are no security guards to watch over the cars. It is best to park in areas where the entry and exit points are well-supervised and where there are security cameras installed.

For more vehicle safety and protection tips from an auto insurance Houston company, visit us!


Rene Toman Insurance Agency



Pre-Disaster Financial Preparedness

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photo from

Catastrophes like hurricanes, earthquakes, tsunamis, volcanic eruptions, and typhoons are inevitable. Since they usually strike with little or no warning, preparing for the unexpected is the key. Pre-disaster financial planning will go a long way in protecting your family from financial disaster. Why wait?  Here are some pre-disaster financial preparedness tips as suggested by a Galveston County windstorm insurance company.

  1. Involve the whole family in financial planning. Each family member should be properly briefed about what to do, where to go, and who to contact to finance them in the event of a calamity.
  1. Conduct a thorough household inventory. Record models, serial numbers, and costs of all properties. Should a disaster strike, this list will help you prove the value of what you owned if those possessions are destroyed. Make sure to leave a copy of your list with trusted relatives or friends living elsewhere in the country. You will need it in the event that your copy is lost.
  1. Prepare a durable and lockable evacuation box which you can easily grab in case of emergency. Make sure that the box contains all important financial documents — insurance policies, bank statements, income tax returns, Social Security System records, credit card account numbers, as well as legal documents such as birth certificates, marriage contracts, passports, deeds, wills, titles, and vehicle registration papers. Store it in a place that you can easily access.
  1. Try to set aside money in an emergency fund from which you may draw in times of crisis. Keep emergency money in an easily accessible account. Make sure that credit cards are properly paid off. You do not know when you will need to use them.
  1. Keep a back-up copy of all vital financial documents. Better yet, scan all important papers and keep them in a flash drive or in a secure online storage system.
  1. Make sure to have a list of all your financial contacts. In the event of a disaster, you can heave a sigh of relief knowing that you have those crucial contact numbers at your fingertips.
  1. Talk to a financial planner. Now may be the best time to obtain a life insurance policy. Ask yourself:  Do I have enough insurance coverage? Am I adequately covered in case of disability or injury? Reassess your insurance now. Do not wait for a disaster to happen.

For more information about Galveston County windstorm Insurance and other insurance types, visit us!


Rene Toman Insurance Agency