If you're going the self-employed route, you'll need to obtain health and disability insurance for yourself and your family (if you don't already have it) ”and, if you're incorporated, for your employees . While eBay offers a health insurance plan to PowerSellers, all other sellers are on their own.
Learn more about PayPal and credit card payments in Chapter 13, "Managing Customer Payments."
Fortunately, you're not in this alone; there are many health care providers that offer plans for small businesses and the self-employed. In addition, many business organizations and associations offer group insurance plans to their members . Here are some Web sites you can use to search for small business health insurance:
HealthInsurance.com (www.healthinsurance.com)
Insure.com (www.insure.com)
National Association of Socially Responsible Organizations (www.nasro- co-op .com)
You should also consider obtaining insurance on your business itself. This type of business insurance is designed to protect you from specific business liabilities, such as creditors and potential lawsuits. Check with your insurance agent to shape a policy that works for you.
