General Liability Coverage is a possibility if you want to buy for any issues, but not necessary and probably too expensive. If you have any issues you can be sued by a client if say you were to break their computer with lots of valuable information in it. That would be a personal suit where he/she is suing you. You can actually just draft a contract that says you are not liable for lost information and have them sign it before you begin work on the pc. Then at most you’d only be on the hook for broken hardware which you could prob just lie to them and say that it was already broken since most people who need PC repair aren’t very good with computers to begin with. Also if a client were to slip and fall at your place of business (home) your homeowners insurance would cover that anyways. In this case its not even your home so you wouldn’t even have to pay for that. Your landlord/owner should have this coverage because its their problem if there is an issue.

Workers comp is the other type of business insurance which you also do not need. This coverage is dependent on the way your business is set up, i.e. Corporation, Partnership, LLC, Sole Proprietorship, etc.
It seems you are a sole proprietor and pretty much just filing earnings under sched C on your tax return. You dont need this type of insurance if you do not have more than 10 employees as a sole proprietorship. Even under the other types you can exclude yourself from coverage as the only shareholder and there are no other employees who would need to be covered.

General Liability premiums are based on the total amount of sales/receipts earned for your services. I cant recall off the top of my head what the pricing would be for your industry, but probably something like $5-8 for every $1000 in services (gross receipts). Depending on what state you’re in.

Workers comp is charged based on the amount of payroll your employees earn. It is probably about $5-7 for every $100 earned, again based on your location. I would advise purchasing this product when you do add employees just in case, but again not required by law.

I like the way you brand yourself online and offer a choice of independent income stream opportunities for wannabee Internet entrepreneurs of all ages – definitely you offer something for everyone.

Wishing you great success in your online business career

I have just registered with Ashmax as it’s all over the traffic exchanges and safelists right now and is causing a huge buz!!

But like any big Pre-Launch is there real tangible long-term substance behind the initial hype?

I am trusting that that program can deliver on the hype & impressive video on the home page as I know for a fact there are a handful of excellent Internet Business opportunites and Affiliate Programs taht exist and members report excellent earnings & residual monthly income too EG YourNetBiz & Primo Vacations, MyShoppingGenie, Automatic Geek etc.

Best Wishes
Mike

1. Tutor
Teachers who want to work from home or supplement their teaching income can start a tutoring business. almost no investment.

2. Freelancers
Freelancing is very good for those who want to earn some extra without investment. if you or your wife have any skill then start online freelancing business. good sites are:
1. http://www.elance.com
2. http://www.getafreelancer.com
3. http://www.odesk.com

3. Catering
you can start your catering business with your wife. you can contact some organizations for your service. before start grab some guides and information on how to start catering business.

4. Child Care
Child care is ideal for those parents who want to make some extra money. but you should have plenty of toys and art supplies for kid’s entertainment

5. Party Planning Business
you can start party planning business. this is very famous job but you should have one person for this business. so you can start it from home.

6. Network Marketing
best suited with little investment. In uk you can find some good low cost MLM companies. but beware many of them are fraud. after joining you can start talking to your friend about your companies and your wife can do it.

7. Online Business
Online business is not a easy picking. it wants extra efforts and patience. but if you think you can then go for it.