4 Social Entrepreneurs that Are Changing the World


There is a movement across the globe today that says solutions to society’s most pressing social issues cannot be left up to the government to determine. Social entrepreneurs are business owners that decide to take on the work of engaging with social problems implementing systems that offer broad-scale change.

Social Entrepreneurs That Change the World


A social entrepreneur uses the principles of entrepreneurialism to develop a business venture that brings about social changes. The performance of a business is normally measured by profit and return on investment. Social entrepreneurs frequently do their work through non-profit organizations, but this does not preclude them from being profitable. These businesses go the further step of adding a social value component.


Fast Company Magazine publishes an annual list of the best social entrepreneurs that fit their definition: “using the disciplines of the corporate world to tackle daunting social problems.” These are a few of the winners:


ACCION International. This is a nonprofit organization that provides business services and microenterprise loans to men and women in Asia, Africa, Latin America and the U.S.


City Year. This nonprofit organization takes young people from various backgrounds in the U.S. and South Africa and engages them in a year of full-time service and gives them leadership skills they can use to change the world.


College Summit. This is a national college access program in the U.S. that gives schools and districts the means to increase the college enrollment rate, especially from students with low-income backgrounds.


Mercy Corps. This organization takes places in the world afflicted by conflict, poverty and oppression and helps to transform them in peaceful, productive, prosperous communities.


Social entrepreneurs typically are completely committed to transforming their area of concern and it is the driving force behind their business. They have the skill to carry a vision to the ultimate in practical manifestation. They have they uncanny knack for enrolling masses of people in their strategy, which is decidedly user-friendly and easy to implement.


Are You a Social Entrepreneur?


If you are the kind of business person that can see solutions where others can only see problems and you have the creativity and drive to develop a venture that resolves the issues, you may be a social entrepreneur. You will be driven to affect social change while using your business skills to generate the revenue to make it happen. Like any other small business, with the right business plan and startup funding, you can become profitable while creating long-term change where it matter the most.

The Five Skills Today’s Entrepreneur or Artist Must Have


These are the five things you must posses or master in order to become an entrepreneur or successful artist. The laws of entrepreneurship apply to artists as well because when you are engaged in some form of art (singing, dancing, writing, etc.) in a serious manner, you are your own business. You are an entrepreneur.

  1. Time Management. Many of us are running a one-woman or one-man show. This means that we are the bookkeeper, the entire marketing dept., the sales person and the correspondence/communication person for our brand. If you are not a planner, become one, or find someone to do it for you. Make yourself a schedule and stick to it. You must be efficient when you have that many hats on. I recommend breaking up your day into time slots that are devoted to your different types of tasks. For example: in the morning you can respond to all e-mails and phone calls. You can then do any social networking you need to (blog, facebook, myspace). Work on your marketing plan after that or actually go out and do some marketing. In the afternoon you can make sales calls, fulfill all other duties and then schedule your next work day. Make your schedule plausibly full and have an accountability partner if you are new to entrepreneurship. Always know when to take a break and when to ask for help.


  1. Positive  amp; Objective Thinker. At times you will have to be your own encouragement, your own cheerleader. Thinking positively about yourself and your business will help you with your confidence and will generally transfer to the people you talk to about your business. Shield yourself from lies and doubts in business or you will see what you’ve built slowly start to conform to your negative attitude. In being positive, make sure to remain objective. Is there a market for what you are doing? Are you going to work hard enough to stand out? Is what you are doing of the quality that will draw people to you instead of the next person? Conduct regular reviews of yourself, your schedule and your success.


  1. Confidence. Let me say it again, CONFIDENCE. Through my business I work with artists and new business owners. I’ve noticed a funny connection between success and confidence when you are first stepping out into the world. Let’s make a singer/songwriter the example. You are talented; beginning to find your way around the industry and meet people. There are approximately 3.4 billion other people in the world who would love to have a singing career. When you approach someone and tell them about your work (or sing for them, send them a track, direct them to your website, etc.) you must believe in what you are giving. You must speak with authority and power about what you believe. If someone can read the low self-esteem and/or fear off of you, why would they want to work with you? Business owners must believe in what they are selling. You should be the biggest fan of your work, ready to explain and sell it at a moment’s notice.


  1. Humility. Perhaps this doesn’t seem to fit at first, especially directly following confidence. The reasons entrepreneurs need humility: (a) you’ll probably see a lot of rejection, you need to realize that there may be others better fitted for certain opportunities, or that life is just “unfair” sometimes, and move on. Don’t be “that guy” who is still complaining two years later because “they shoulda picked” you. (b) no one likes someone who is to full of themselves and is always bragging about what they have or what they can do. Your work should speak for itself, but when you do speak, do so with confidence and tell the truth when trying to sell yourself. Don’t lie, don’t exaggerate … it’s never worth it. (c) humility draws better responses and interactions with others than flamed up pride.


  1. MacGyver Mentality. If you grew up around the time I did or before you may be an extreme fan of one of my all time favorite shows, MacGyver. The tagline of the show, “His mind is the ultimate weapon,” must be what you live by. MacGyver was an action kind of guy. He never sat still (unless a villain had temporarily captured him). In business you must keep moving and inventing new ways to do things. Take the few resources you have (your time, $50, a blog, a friend who does websites, etc.) and make what you can out of them (an extremely searchable web presence, marketing material, etc.). The important thing in business is to keep moving, keep changing and progressing with the times, get back up immediately when you fail miserably, and celebrate your failures while learning from them.

A Story of Entrepreneurship


It was quite sometime ago that I heard a teacher tell his story on the radio of how and why he established an entrepreneurship class at a high school. He had been mugged by three teenage boys in New York City. At first, he was very angry and tried to determine how he would get revenge. However, upon further reflection, he wondered why these young people had nothing better to do than to go about hurting people and stealing from them. The more he thought about the problem, the more determined he became to do something about it. That’s when he got the idea that if these kids were taught how to go about establishing a business for themselves, then that would keep them busy and out of trouble.

He decided the best way to go about teaching these kids would be in high school classes. He established a curriculum, and started calling upon high schools in the New York City area. He called upon ten schools, and everyone of them turned him down. Not to be outdone, he called upon his 11th high school, which was in the Bronx area of New York, and he was accepted. The school was the worst high school in the country. The building itself was rundown and filthy dirty, there was graffiti all over the walls, and the noise in the hallways from kids yelling was unbelievable.


I have long since forgotten the gentleman’s name, but for this narrative I will call him Mr. John. The kids in Mr. John’s class were so unruly, they didn’t pay any attention to him, They shouted across the room, and threw whatever they could get their hands on. But gradually, Mr. John would throw out snippets of information that started to get their attention and arouse their curiosity. Before they knew it, they were listening to what Mr. John had to say. One of the things he told them was that he would like to help everyone of them start their very own business. The idea appealed to them, so he interviewed every student to find out what his particular interests were. Between them then they decided what kind of business he would like to establish.


Along the way, however, Mr. John learned that the kids could not read, write, or do math, so he convinced them that the only way they could run a business was to learn these skills. And, by golly, they were so interested in what they were doing they actually buckled down and learned. Out of the classroom of student, I remember Mr. John telling of two of the businesses he helped students to organize. One student, “Patrick” was a rapper of songs with profane and obscene lyrics. Mr. John told him to put a tape on his desk using nothing but positive lyrics, and Patrick did. He went on to become the president of his own music company, and lectured at other high schools telling other students how they, too, could do it.


“Monica” was the other student that Mr. John told about. Monica would sit in his classes holding a mirror up to her face and primp all during class. He decided that she would probably enjoy doing something that involved cosmetics. Voila — he thought of Avon, so he had Monica contact the company to find out what was expected of an Avon lady. With this information in hand, and the skills she had been taught as a business owner, she became the best sales lady Avon ever had.


The moral of this story is that in order for students to become successful in any career, whether it’s business, technology, medicine, science, politics or engineering, or regardless of what the subject might be, what is really necessary is to for parents and counselors to discuss with them their interests, and determine what career would suit them the best.


It wasn’t until after the Rodney King riots in Los Angeles that I heard of Mr. John again. He realized that many of the rioters were just frustrated young people who couldn’t get jobs, so he set about helping anyone who was interested in forming his own business. Later, I learned he was teaching Entrepreneurship at the University of Southern California.

Become an Entrepreneur: Turn Your Passion into Cash


Today, so many people are looking for ways to make money. The unemployed, college  amp; high school students, and retirees are all searching for “jobs.” Unfortunately, some of these groups are competing for the same positions, especially in the retail and hospitality industries.

Can you paint or draw? Are you crafty? Do you like singing, dancing, acting or playing music? Can you style hair or faces with finesse? Do you know more about photography, computers or videos than most? Can you sell products like Bill Gates?


Turn what you love to do into cash. The more passion you have for your hobby the better chance you’ll have to make a lot of money providing this service for others. Your enthusiasm will motivate others to want the same thing for themselves. And in spite of the economy, people are still in need of products  amp; services…personally, for their family or their pets.


People are re-inventing themselves and starting niche businesses by:

– Providing bike tours through various neighborhoods

– Painting pet portraits

– Offering mobile or by-the-minute massages

– Creating fee-based business webinars

– Developing after-school programs

– Hosting passion and makeover parties

– Becoming fitness trainers (yoga, pilates, tai chi, aerobics, dance)

– Becoming an online seller (Etsy, Amazon, Overstock, Bonanzle)


There are a few recession-proof businesses. However, also consider offering help for new moms, newborns, children, seniors, and the deceased. New moms need childcare as they return to work. The elderly need assistance with shopping, meal preparation, and trips to the doctor. If you are the nurturing type, become a caregiver or au pair. Register with Care.com or another agency with this clientele.


Lastly as people are flooding schools for training under the WIA (Workforce Investment Act) grant, continuing education instructors are in high demand. (Click here to find out who qualifies and how to apply). Individuals with extensive experience in the following areas will find many opportunities:

– Various Computer Specializations

– Medical Billing  amp; Coding

– Pharmacy Operations

– GED  amp; English as a Second Language

– Cosmetology

– Project Management


To find a complete list of training providers, click here. Each state offers different certification programs. The funds cannot be used toward a degree and all money is sent directly to the school that is selected. Look inside and find the gift you were meant to share with others!

Assisted Living and Entrepreneurship


A cross-sector commitment to the advancement of entrepreneurship throughout the aging services continuum is supporting industry growth and sustainability while providing significant benefits to assisted living residents and staff. Reciprocal Entrepreneurship, which is simply defined as, “entrepreneurship inspiring entrepreneurship”, is delivering significant advances in key areas required for continuing industry emergence.


Sectorforce, a strategic alliance of high-growth industry associations, will launch a Reciprocal Entrepreneurship initiative during the last quarter of 2011 in order to advance entrepreneurship throughout the Aging Services continuum, which will extend to include other high-growth and emerging industries and sectors.


Sectorforce was formed to advance Reciprocal Entrepreneurship, a human capital management strategy designed to increase the self-reliance of high-growth and emerging industry associations while broadening their capacities and capabilities to offer significantly enhanced membership benefits. Entrepreneurship that is efficient, systemic, large-scale and sustainable will help associations to justify and earn the financial and other resource support required to provide business-building membership services that directly improve the bottom line. Sectorforce will focus on the Aging Services sector and represent the interests of small, medium and large-sized for-profit and not-for-profit companies and organizations. Reciprocal entrepreneurship is simply defined as a process through which “entrepreneurship inspires entrepreneurship”.


The process includes the integration of human resource, risk, benefits administration and other outsourcing solutions, along with health brokerage, financial, retirement and other services. They are enhanced by cost-effective cloud computing innovations, and made widely accessible and collaborative through broadband and other information and communication technologies. These components help to create a robust membership services portfolio that will expand rapidly through the economies of scale and scope. Reciprocal Entrepreneurship is also designed to support key areas of the FCC National Broadband Adoption Plan, which include education, training, employment and small business development, along with health, housing, energy, public safety and security.


Aging services is a rapidly emerging and multi-dimensional enterprise. A variety of stakeholders is aligning diverse yet related entrepreneurial activities and strategies to meet rising employer and industry challenges. The focus areas are education, training, employment, benefits administration, retiree and financial services and professional development within the continuum of human resource, workforce, small business and asset-based community economic development. Entrepreneurship is an ever-evolving industry and community asset. The process will extend to assist in cross-industry brand, marketing, business and funding development, along with diversity and social responsibility.


Reciprocal Entrepreneurship benefits from the encouragement for entrepreneurial growth by the White House Office of Innovation, the US Small Business Administration and SCORE, along with the guidance and support of the US Departments of Labor (Employment and Training Administration), Education, Health and Human Services, Agriculture, Veterans Affairs and Commerce. In fact, the public, private and philanthropic communities are responding favorably to industry initiatives that demonstrate the quality and levels of entrepreneurial vision, thought and action that can deliver innovative, efficient, systemic, large-scale and sustainable outcomes.


The political climate, sense of urgency, cross-sector support for entrepreneurship and current cross-industry capabilities are helping to enable the entire Aging Services continuum to transform Reciprocal Entrepreneurship into a national industry-building asset. The process mobilizes a generically designed model that aligns the shared missions of industry associations, affiliated non-profit organizations and funding sources with the varied for-profit goals and objectives of association members, sponsors, strategic partners and other stakeholders.


Broadband, cloud computing and other information and communication technologies will collectively empower the expansion of Reciprocal Entrepreneurship into several high-growth industries and sectors by utilizing the economies of scale and scope.


By the year 2030, it is estimated that the older population will almost double. This is going to have a profound effect on the aging services industry in terms of the number of people requiring services, the types of services that will be required, the human capital and specialized work forces needed to properly serve industry growth and the level of funding necessary to support the increased aging population. (IBIS World Industry Reports)

How to Become an Online Entrepreneur


One of the main reasons why online entrepreneurship is such a fast growing trend for small business owners is because it is now much easier than ever before for you to enter the online marketplace. You simply have to setup an e-commerce website to sell your products using the internet and provide secure payment processing of purchases for your customers. You can choose from auction sites and free online store builders to professional e-commerce services that enable you to effortlessly build a professional looking online store.



Ebay is the pioneer and the leader in online marketplace and gives you the opportunity to reach millions of customers worldwide. You can sell just about anything you want on Ebay and use it’s Buy Now listing option to sell products for a fixed price. You can also use the bidding system and list your goods for auction allowing prospective buyers to bid on your items and then you sell to the highest bidder. Ebay also offers selling platforms and features especially for those who want to setup an online store. You can build an Ebay Store and choose from the Basic, Premium and Anchor packages. Each package includes an Ebay website storefront complete with your very own logo and other online store features to showcase your product line.



Etsy is the place to be for entrepreneurs who are creatively gifted at making hand-made products. It is similar to Ebay and allows sellers to display their hand-crafted items in an Etsy online store. You will have to pay insertion fees for each item but there is no need to choose from various store building packages because any Etsy seller with products to sell can list their products and add a logo along with the details about their store and product offerings .


E-commerce Services

There are also many affordable online store builder services available for e-commerce entrepreneurs who prefer to have a customized, professional looking online storefront instead of taking the Ebay or Etsy route. Some web-store building sites such as Webs and Big Commerce offer a free online store template which allows you to create an online store using templates but you may not have the ability to use your own domain name. Quite often free e-commerce services place online ads on the free online store that you build using their free website services. However you can upgrade your store to a monthly or annual package to use your own unique website domain name and remove the ads. E-crater is another very popular online marketplace that allows you to build a free online store and it is completely ad-free. Professional online store building services such as Yahoo Store Builder, Volusion and Shopify also offer very good internet store building services with monthly packages that vary in pricing and features.

Four Successful Money Tips for Women Entrepreneurs


Women entrepreneur sometimes experience major difficulties when it comes to succeeding in the business world. We usually have to work ten times harder and receive only a fraction of the credit. Considering these facts we should take a look at our business finances. If you are not satisfied with your financial situation, then think about making some changes that will benefit your business. Take the time to see what business decisions are causing you to have stumbling blocks and not progress forward. Once you can figure this out, you will be on your way to becoming financially independent. In just a few short suggestions, I would like to guide you into the right direction.

Be independent – When it comes to having your own financial security, never depend on anyone else to foot the bills. Do not make the dreadful mistake of expecting your boyfriend or husband to furnish you with the money to get your business started. Educating yourself with different money management or investing tools will benefit you much more than access to other people’s money. Although this may be a very hard temptation to resist, you will need to do this in order to succeed.


Cut down on spending – Never make the horrible decision of spending more money than you actually have. Try your best to spend less than you have earned and you will notice that you have more available funds. Getting trapped in the vicious cycle of overspending your business funds can sometimes be very easy to start. Setting up your business budget, knowing your limits, and sticking to it will cause your business to grow in a remarkable way.


Emergency money – I am very sure that your parents have always told you to save your money for a rainy day. They were absolutely correct in telling you this. This is one of the best business philosophies to follow. You never know when a valuable piece of business equipment will break or some other business emergency will arise. Making sure that you possess some sort of emergency money fund will help relieve some of your stressful business decisions. This is a great financial backup plan to have access to.


Learn – Every business owner in the world has made at least one financial business mistake. Some of them are virtually impossible to recover from and others are easy to fix. No matter what type of financial mistake you have made, be willing to learn from it. Do not let the fear of this one mistake cripple you and prevent you from trying to succeed. There are so many times that our mistakes can make us stronger and more determined to accomplish a business goal.


Remember that the financial security of your business depends on your attitude towards your money. If you consider balancing and calculating your business funds as one of the most aggravating tasks in the world, then chances are that you will not invest much time in doing it. Remaining in the dark about your business finances can cause you to spiral downward very quickly.

Diverse Markets for the New Entrepreneur


In a country where opportunities abound for the industrial minded individual, the recent assessment of the unemployment rate is another reminder that one group has the right idea: the entrepreneur. According to the National Bureau of Economic Research, since June of 2009 the U.S. economy has been in a steady recovery. The unemployment rate hints at this based on the June 2011 rate of 9.2 percent. The questions is, where are the jobs? Entrepreneurs know the answer and are getting the better of the job market by bringing innovative ideas to the largest market segments in the U.S. Entrepreneurs are creating niche companies in thriving industries while employing those deemed under or over qualified by more established organizations.


Entrepreneurs are in the unique position to gain ground in several undeveloped markets. Whereas ten or fifteen years ago the goal was to obtain a four year degree and hope to find a position that utilized skills and experience, in 2011 entrepreneurship is becoming a formidable area of development for everyone from the college graduate and stay-at-home mom to the thirty year work-force veteran.


Four areas that are making headlines are:

Urban markets    The baby boomer population    Healthcare and;    Green sustainability

Let’s delve into these diverse areas of opportunity.


Urban Markets


Urban markets across the U.S. are growing due to the large gap between high and low-wage earners. Entrepreneurs in those areas are in the unique position to assess community needs and begin capitalizing on opportunities for growth and development. Areas such as Detroit, Michigan, Newark, New Jersey and Atlanta, Georgia are among dozens of cities in the country that are prime for entrepreneurial businesses. Finding ways to access government contracts and start-up funding are options to propel ideas forward. Non-profit organizations such as the Ewing Marion Kauffman Foundation provide nationwide programs that assist in business plan development and support.


Baby Boomers


There are more than 76 million baby boomers in the United States today and this demographic has become the most interesting segment of the population to market entrepreneurial businesses. Also, a growing number of entrepreneurs are baby boomers, so there are many opportunities to reach out to them from both sides of the desk. A large portion have turned hobbies and interests into thriving money-making ideas while others are looking for training and development in areas like technology and social media.




Healthcare is emerging in all areas of the business sector. Industries such as human resources, marketing and e-commerce are taking a strong interest in promoting healthcare related needs, such as the nursing shortage and the need for family practice doctors around the country. Entrepreneurs are finding methods to help fill these gaps while gaining interest from investors in order to grow business and obtain a strong national reach. At the same time, former healthcare professionals are becoming entrepreneurs by offering consulting services in corporate environments. These types of services bridge the gap between healthcare practitioners and business professionals that share the same knowledge and skill set.




Green companies and their sustainability efforts are finding ways to disseminate information about the growing and changing eco-lifestyle movement. Sustainability is the ecological capacity to endure over time and is a niche for environmental, architectural, and dozens of other businesses around the world. For example, increased changes in residential and commercial building, has lead real estate professionals and developers to obtain LEED (Leadership in Energy and Environmental Design) training and certification in order to keep up with the need for environmentally efficient building construction. The effort to lower energy costs and drive real estate value are two of the main reasons why green sustainability programs have cropped up in adult learning platforms, junior colleges and universities across the country. Once an individual obtains LEED certification they have increased eligibility to obtain positions in established organizations or start a firm that works with real estate agencies, city, state or government contracts and programs.


As these diverse markets are just a few areas where new entrepreneurs can get their feet wet, they are trends that will in time lead to new avenues for job growth and development. Since there is room for growth, they are definitely options worth exploring.




National Bureau of Economic Research, www.nber.org


U.S. Employment Held Back by Weak Economy, www.tradingeconomics.com U.S. Bureau of Labor Statistics. June 3, 2011


U.S. Green Building Council: Education and Resources, www.usgbc.org


Urban Entrepreneur Partnership, The Ewing Marion Kauffman Foundation, www.kauffman.org

8 Traits of Successful Entrepreneurs

Successful Entrepreneurs

According to the Small Business Administration, one third of all start up businesses fail within two years. Because of this fact, it’s important to know what it takes to be a successful businessperson. Many people want to start a business but never take the time to learn what it takes as far as human traits to be a success. The good news is you do not have to be born with these qualities. You can learn them as part of your personality. You just need to know what they are.

Trait 1 – A take charge attitude. The successful entrepreneur has the initiative and drive, maybe even a compulsion, to run their own show. Even if they were an employee, they wanted to do their thing their way and not be told how to do it. They would take orders, but they preferred to give them.


Trait 2 – An ability to “think outside the box”. While this is probably the biggest cliché of our time, it is true. The person who can see opportunities that others miss is at a great advantage in the world of business. Innovations would not happen without the innovators seeing things differently that the rest of us.


Trait 3 – Must be comfortable with mess. We aren’t talking about a dirty desk or messy room here. We are referring to the concept of chaos. Life and especially the business a person starts will throw them many curveballs. The successful ones not only know that chaos and mess will happen, they like it.


Trait 4 – Genetically gifted with an entrepreneurial spirit. While there is not really a gene for an entrepreneurial spirit, the business person who succeeds seems to be born with this knack for business. Maybe they sold lemonade as a child, had a newspaper route, put on magic shows, whatever. Many entrepreneurs can remember back to their childhood’s business endeavors.


Trait 5 – Are very tenacious. You may want to think of this ability as that of being persistent and having passion. When you start a business, there are a never ending series of problems and hurdles that crop up daily. The only way to complete the process of starting a business is to have the tenacity of a Pit Bull; another cliché.


Trait 6 – Be very self-confident. While many entrepreneurs have modest goals for their business, they have unending confidence that whatever they dream their business will become, they will pull it off. They believe that they are offering the world something of value and that the world will be a better place with their product or service.


Trait 7 – Learning from their failures. Let’s face it, we all fail at times. The business person who learns from their failures is the business person who will succeed. They know success does not come without failing. The only failure they know is the failure of not trying.


Trait 8 – The dream but they are also practical. The entrepreneur is well aware that their dreams will not come without plenty of hard work and lots of research. They are not afraid to do plenty of both of these tasks.


There you have the eight traits of successful self-employed business people. Now that you know what it takes personally, are you willing to change your view of the world? Are you willing to improve in the areas you are deficient? To state another cliché, whatever you do, it’s up to you!

Finding Affordable Roofing Contractor Insurance as a New Small Business Entrepreneur


It was extremely humiliating to realize how naïve I was to the complexities of starting up my small roof replacement business in Waukesha, Wisconsin. I suppose it was due to my presumption that because I am a sole proprietor anticipating less than a dozen side jobs annually, that roofing liability insurance coverage would not entail a significant investment cost to protect my business against liability. My presumption was incorrect…

I’ve been employed for a roofing contractor for several years, and over the course of the past 2 years I have completed several side jobs; consisting primarily of residential roof replacement. This not only entailed complete tear off and roof replacement, but re-covers as well. Due to the nature of risk involved in the roofing trade, as well as my desire to maintain and provide legitimate roofing contractor work, I started out my business venture by conducting some research on protecting my small roofing business from liability, and implementing a marketing scheme to attract potential customers. After creating my business name, a webpage and several blogs, and having some business cards printed, I began the endeavor of searching for an affordable roofing contractor liability insurance policy.

I started my search by going online to find roofing liability insurance providers. I can honestly state that this was one search that was challenging to me because the search results were cluttered with roofing contractor websites and advertisements that targeted insurance as part of their marketing scheme. After sifting through the online search results and finding numerous roofing contractor insurance providers across the United States. Although some of the insurance providers only offered coverage to contractors in limited, specific states, the majority of the companies offered coverage in all 50 states. Utilizing their online application process, I made several online requests for quotes — submitting my business information to a half dozen companies — and retiring to await for any responses or follow-ups.


Within a couple of hours my phone began to ring as prospective insurance providers responded to my online inquiry. I was asked to provide further information about my company and otherwise elaborate further on the specific coverage that I was seeking. Because my business is a small, sole proprietorship, I was looking for affordable coverage that was conducive to a smaller amount of jobs and limited financial profits. Although I reserved some inclination that roofing insurance could be an expensive liability with the risk involved, I certainly was not prepared to hear quotes ranging anywhere from $4,000 to $6,000 annually! For a small business entrepreneur as me, this type of investment was simply unfeasible and unpractical – especially when it comes to spending money during these tough economic times! Unless I could guarantee a minimum of 10-12 jobs annually I would not make any profit whatsoever. Waukesha, Wisconsin has a population of 67,658 and there is a lot of competition in the roofing business; making it difficult for a new roofing business to project a specific number of job prospects. The thought of not being able to attain a liability coverage policy quickly discouraged my business prospects. However, eventually I received a call from an Illinois based insurance provider who provided a quote that offered a policy which met my needs for an annual cost of about $900. This is something I can work with as a new business.


My experience should be a model that offers hope to the person desiring to start a small roofing business in Wisconsin; yet conversely criticizes the insurance industry in making it extremely difficult for the small roof replacement business owner to pursue entrepreneurship by failing to offer a broader range of liability coverage respective to the little guy.


Waukesha Home Improvement Expert


Liberty Home Improvement and Construction