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Written by : Elijah Hitchingham |
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hi guys welcome back to my channel if you're new to my channel my name is melissa and i am a licensed esthetician i'm here to tell you guys a little bit about um receiving your llc and liability insurance so i'm going to be speaking on behalf of new york state so if you're located in another state you want to make sure to follow the guidelines and all of the qualifications that need to be met for your specific state and what i did so i can figure out how to get my llc and my liability insurance first to receive your llc you do want to make sure that you do have your licensure already to be an esthetician in your state you want to make sure you have taken both your state board practical and written exams that way you know everything can go smoothly the first thing i did to get started was i went to my.newyork.gov and that is basically the website that you go to if you want to start a business or you want to like update anything your licenses or anything like that you can find everything there and then you go you click i'm over here trying to remember because it's so long ago that i did it services and then you scroll down and you go to business and there is going to help you figure out step by step what you need to do so that you can actually start your business it'll give you like a checklist and that's basically what i use so that i can get through it because it's so much that you need to do and it's like very very very overwhelming so this checklist actually kept me on point and then i went to start a limited liability company llc you click on there it gives you an overview of everything that you that it talks about why you would want an llc what an llc stands for which is a limited liability company and what you know you you get to choose whether you want to be a sole proprietor or an llc and it's you know it tells you everything like all in detail about what an llc is it also tells you about the eligibility who is eligible to become an llc and the benefits of becoming an llc the llc cost about i believe it was like 200 for new york state um and so you know you do want to make sure that you have a name reserved um and you do want to pay for that i think it's like 20 or something like that it's super cheap but it's good to reserve your name so that you have your name and nobody else can take it while you're in the process of getting your your information and your business set up the llc is super quick i think it takes like a few days to process that's basically like the starter kit of getting an llc for me i had to get an llc and also articles of organization publication so i hired a publication service and it cost me about 350 to do that but they cover everything i don't have to worry about a thing and yeah that has to be done before i think 120 days after you have already filed for your articles of organization so yes liability insurance was super super easy for me the liability insurance i actually use is my ascp skin care i believe it's called i have it up there it's right up there asap um that was like 200 and something dollars for the year and i was introduced to it from my um aesthetic school so it was super easy and they had to say all the time i think it goes up to i don't know don't quote me just just go to the website asap let me just pull it up asap skincare.com and there you'll have all the information that you need that covers everything it covers education it covers um anything that may come up people trying to sue you uh any fire or any damage that gets that happens in the business everything is covered with a limited liability insurance um you also get the accessibility to a free website from the ascp skincare.com and you also get career toolkits and things that can help you like with marketing and stuff like that getting gift vouchers things that you can actually print out and keep keep inside your business advanced aesthetic insurance so if you're going for other classes and you actually do advance your own services in your business they do cover some other services as well so it's not just limited to one thing it covers a broad spectrum of things in the aesthetics business and you all know that aesthetics is a broad beauty business skincare beauty business so yes i hope this answers some of your questions and i'm so sorry that i'm looking over here but it's because it's been so long since i've done it that and when i was doing it i was so flustered um so yeah i hope this is super helpful i hope i answered your question and if you have any more questions please feel free to reach out to me i'm always willing to help all my future sd besties out there and i will see you guys next time bye
Thanks for your comment Diego Aningalan, have a nice day.
- Elijah Hitchingham, Staff Member
workers come it's simple right by the insurance policy to cover you or your employees and move on with life right not exactly I'm Joseph with smut early insurance oftentimes a business owner or contractor may require a small workers compensation policy to meet the requirements of a hiring vendor such as a general contractor or a landlord for a retail or restaurant establishment or even an event venue that may require workers compensation of the food truck or event caterer that is on their premise although these policies can be simple to purchase providing the accurate amount of payroll and information is vital in the beginning of the policy so that you're not popped with a large audit at the end of the policy term our agency gets calls weekly regarding this scenario hopefully this animated scene will help you or someone you know understand the necessity of providing accurate payroll before purchasing a workers compensation policy check it out hello motherly insurance hey Joe this is Travis I need some workers comp insurance can you ho hey Travis of course we can help how many employees are working for you now well I don't really have employees I work with three subcontractors but I don't really think they need to be included I just need this for a job okay Travis I hear ya let me ask you this I know you said your subcontractors aren't really employees but do you make sure they have their own insurance oh I have no idea but I just need a workers comp policy for me right now can't you do that oh yeah of course we can but Travis understand if they don't have their own insurance you're responsible for their workers comp as well wait even though they're not on my payroll and they're not my employees yeah Travis I'm afraid that's right and get this the workers comp insurance company is legally required to perform an audit at the end of the year that means if we issue a worker's comp policy for only you and they learn later that all the subcontractors were not insured with their own insurance then the insurance company will charge you for covering all of them for the entire year what's more you may have to pay that fee in one large sum Hey look I'm not trying to make things difficult for you here Travis I just want to make sure we do this policy right so we're not burned with a large Fiat audit Tom our agency has seen way too many disgruntled customers that thought they were getting workers comp for cheap only to find that they had to pay a large fee for uninsured subcontractors in the end and I'd rather you not be one of those disgruntled customers know what I mean my friend Wow yeah that's valuable information thanks for educating me on this Joe it sounds like I need to have an insurance talk with my subcontractors before we before we put workers compensation in place I'll get back with you on this soon thanks again Joe I always appreciate you looking out for me
Thanks Elvin your participation is very much appreciated
- Elijah Hitchingham
About the author
I've studied environmental geography at St. Cloud State University in St. Cloud and I am an expert in systematics. I usually feel lethargic. My previous job was contract administrator I held this position for 15 years, I love talking about karate and possession. Huge fan of Jeremy Bamber I practice rugby and collect cereal box prizes.
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