We have a company that sells health insurance to small businesses, and individuals. We want to add sales people to expand our business. Do each of these sales people need to be licensed individually, or can I get a corporate license which will cover all of them.
124221
They will all need to be licensed individually, which can be a time consuming process.\nIn some cases, however, if they are already licensed in one state, they can be similarly licensed in other states relatively easily.
294233
If you sell mortgages for a bank, you don't need to be licensed.  You will likely have to be licensed to work in a broker shop.  Most states have caps on what you can make on the loan.  In Ohio it was 7.99%, but it's changing to 5%.  Many lenders have their own caps on what they'll let you charge as well.  Really it comes down to the customer.  Good luck charging the cap unless you're their only hope, and you'd have to be pretty good to be the only one to come up with a program no other broker can do.  Also, broker shops have become very competitive with slowing sales.  If you can prove that you can meet a steady (and impressive) monthly goal, you're in a good bargaining position (over 50% of your fees).  Remember .. the broker has to make some money too, or there is no shop!  :)
494510
You need a business license, which you can get from city hall. Also you'll need liability insurance. Aside from that, you'll need all the money and other stuff. Good luck!
64407
A personal lines CSR/processor usually works for an insurance agency/broker and is a (AND SHOULD BE) a licensed person who can sell auto, homeowner, boat, motorcycle, mobile home, motorhome, recreational vehicle insurance, etc.  They can also sell commercial insurance but primarily they handle the personal lines products and also service client accounts.  They are able to take claim reports, accept policy premium payments, makes changes to policies and are considered the fiduciary party between the client and the insurance company.  They work for YOU.
483154
The child care licensing agency for your area should have recommendations. These will be the minimum amounts you should carry.\n\nYou definitely need a general liability policy to cover the chance of accident or injury to the children or to a visitor or employee.\n\nI strongly suggest errors and omissions [E&O] coverage - not because you or any employee is going to do anythng wrong, but because in our society many people handle grief by filing suit and it is the cost of litigation that can shut you down.\n\nOf course you will require certain coverages for your employees - Workers' Comp certainly. And, if you are providing any transportation services, you have to be insured fully for auto.\n\nCosts vary so widely that there is no way I could suggest a figure. Here's how you find out:\n\n1. Find out the minimum coverages required by the child care licensing agency. These might even be on their website.\n\n2. Get a quote from at least one commercial insurance agent - I always get at least three - though in recent years I keep going back to the same guy if he is not more than 5% or so more than his competitors - awfully good service is worth it to me.\n\nGood luck to you
357617
Look at other business' privacy report to get an idea of what is important.  About 2 years ago a Federal law was passed that mandated medical records holders, like doctor's offices and insurance companies, to have a printed privacy policy and to distribute it to all people whose records they handle.  Ask a Doc or hosp. or insurance company for a copy of theirs.  They will be happy and are required to give it to you.
380082
Depending on where you are and the market condition.. you can help manage group practices for doctors.. try to go for large group with speciality ..they make more money and pay more.. start working with a local health insurance company.... Hospital jobs may not be as good in the long term...get a job in the industry.. home care companies, pharmaceutical, DME companies....nursing home...etc.. join associations..get contacts...then move up in position through the connnections you develop..
497230
Yes, you need to buy additional licenses.
501886
Contact the Court Clerk to see what Licensing requirements have to be met.  Try to align yourself with a clinic, hospital, church, school or doctor's group to get started.
431977
if you are looking to resell mobiles, all mobile phone  manufacturers will sell for trade if you can prove you are a legitimate business. if you want mobile phones to use within your business or company they also do business deals if you want purchase more than one mobile, although you are more likely to get a better deal from a mobile service provider i.e. vodaphone orange etc. \n     in terms of licences for software I'm not sure what you mean, but again all software manufacturers will do both trade and businesss deals, provided again that you can prove you are a legitimate business. just contact any manufacturers sales department and ask to be put through to the trade sales department, or if you want the software to use within your busines i.e in your office, ask to be put through to business sales. also put your question in business and finance as you will get more answers. good luck.
63678
I dont know abotu CA im in PA and im a Ind Contractor employed full time.  Make sure you just pay them if you want to give them Health care just pay them the money to buy it.  Also get a contract signed stating them know that they are ID and there is no WC for them.
224100
Insurance is regulated at the state level and every state has a state department of insurance.  You are looking for a commercial policy.  Go to the phone book and find an allstate, farmer's, state farm, or independent agent in your area that does commercial insurance.  If you are a brand new start up business, you will typically have to find an agent that specializes in surplus lines.  Primary carriers will typically not insure brand new businesses with no track record.
485318
LOL\nLet's discuss business topics.\n\nNo, you don't need any business savvy or experience to join, but you do need to acquire it to stay in business.\n\nThe first thing we do is examine our market.  We do not accept one liners, we do the research.  \n\nMy primary sales are not to my friends and family.  My circle is just not big enough to earn a lucrative income, therefore, I use all of the modern day marketing tools available to me.\n\nMy network of people are busy selling every day.  Some are selling our product in their place of business such as salons and chiropractic offices as well as Dentist's offices.  Others sell the product in markets, but all have the same focus...Sell the product.\n\nNot sure what you mean by the whole basis is set up so that no individual should ever have to do enough sales to support themselves.  That just doesn't sound like wise business savvy to me and whoever told you that was misinformed.  Everyone needs to build their business from the bottom up which means promoting enough sales to support themselves.\n\nI think most people choose a career based on all the things they can buy with their earnings such as homes, nice cars, and most importantly, investments.  I think if someone were offered a promotion in their current job and told that they could afford to live a better lifestyle based on the salary offered, most would make that emotional choice to better themselves and provide things for their families that they otherwise could not.  I would say that applies to any line of work.\n\nI hope this clarifies things for you.\nI'm starting to think you post these questions because you secretly love to hear from me!  wink!  wink!
430549
For the Feds, the interstate commerce clause of the Constitution. They do it also under the general welfare and common defense clauses. \n\nStates have the absolute right to regulate commerce within their borders (intra-state commerce), which is why all those professional licenses are done by the state.
320911
Take the courses, pay the fees, get fingerprinted and other background checks, and pass the test.  \n\nTaa dah!  you licensed as a salesperson.  \nBroker's license is a little more complicated.
287855
You need to be licensed by the Department of Insurance of each State in which you wish to sell insurance. The process of becoming licensed involves taking an approved pre-licensing course, a state exam, an application process to and through the State Department of Insurance, and a very detailed background investigation. \n\nThe website of your State Department of Insurance is likely to have a section devoted to insurance "producer" licensing, and that will be your best starting point.\n\nNote that you must also be "appointed" by the insurer(s) whose insurance you wish to sell.  Proper state licensure will be a prerequisite to appointment
155898
Health Insurance provided as a group plan at a business is often twice as expensive as a "individual/family" plan. The reason is that a group plan is not medically underwritten so "sick" people are covered. Also maternity is covered in most group plans but not in individual plans. So switch to an individual plan if you are healthy. To further lower your cost get a higher deductible either $2,500 or even $5,000 per year. Pay the small stuff yourself but use the insurance for the "BIG DEAL".