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Getting licenses, permits, and insurance

From: Freelancing Fundamentals

Video: Getting licenses, permits, and insurance

In this video, we'll look at three kinds of professional requirements: licenses, permits, and insurance. Please note that there's a lot of variation depending on where you are and the sort of work you'll be doing, so I'll have to be vague out of necessity. To get the details, talk with local authorities, other freelancers and business organizations, such as the Small Business Association for U.S. businesses. Licenses don't usually come into play unless you're working in a regulated space. For example, if you're a lawyer, a massage therapist, or real estate agent.

Getting licenses, permits, and insurance

In this video, we'll look at three kinds of professional requirements: licenses, permits, and insurance. Please note that there's a lot of variation depending on where you are and the sort of work you'll be doing, so I'll have to be vague out of necessity. To get the details, talk with local authorities, other freelancers and business organizations, such as the Small Business Association for U.S. businesses. Licenses don't usually come into play unless you're working in a regulated space. For example, if you're a lawyer, a massage therapist, or real estate agent.

These licenses are often issued by regional governments, such as a state in the U.S. and they usually have websites that explain the details. The second professional requirement is permits, which you might need to run any kind of business legally. Again, the details will vary from place to place. For example, when I was practicing in San Francisco I needed to register for a city tax in addition to the state registration, but now that I live in Ohio I only need to register with the state. If you're going to call your business by anything other than your personal name, you might also need to file a Fictitious Business Name Statement.

Again, online searches will help guide you. And if you're lucky, you might live in an area with a how to start a business guide. After taking care of governmental requirements, you might want to look into business insurance. This is different from personal insurance, such as you might have for your health, your home, or your car. It usually covers such things as theft from your office, along with damages from any errors and omissions you might commit in the course of business. Finding someone who will sell business insurance to you as a freelancer, could take some searching.

Again, talk to other freelancers for help with that. Indeed, you can probably get by for awhile without any of these things, flying under the radar of regulatory agencies, and hoping that no problems occur. I have to admit that I didn't carry business insurance until a big international client required it. But now I consider licenses, permits, and insurance as costs of entry to the business world. Costs that I believe are well worth it. In any case, I urge you to talk to an attorney if you have any questions about the legal implications of your choices.

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This video is part of

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Freelancing Fundamentals

42 video lessons · 26871 viewers

Tom Geller
Author

 
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  1. 10m 50s
    1. Welcome
      1m 53s
    2. What is freelancing?
      2m 53s
    3. How freelancing and employment differ
      2m 33s
    4. Preparing your mindset
      3m 31s
  2. 9m 24s
    1. Defining career goals
      2m 48s
    2. Sharpening your market focus
      3m 18s
    3. Transitioning to freelancing
      3m 18s
  3. 16m 11s
    1. Preparing your portfolio
      3m 11s
    2. Estimating costs
      3m 10s
    3. Funding your startup
      2m 42s
    4. Establishing your workspace
      3m 35s
    5. Building your professional network
      3m 33s
  4. 8m 51s
    1. Getting licenses, permits, and insurance
      2m 15s
    2. Creating contracts
      4m 23s
    3. Finding professional service vendors
      2m 13s
  5. 12m 54s
    1. Setting prices
      3m 13s
    2. Establishing payment systems
      1m 36s
    3. Invoicing and getting paid
      3m 50s
    4. Keeping the books
      2m 32s
    5. Managing taxes
      1m 43s
  6. 14m 41s
    1. Announcing your availability
      3m 16s
    2. Finding work through agencies
      2m 2s
    3. Onboarding clients
      2m 59s
    4. Avoiding scams
      3m 25s
    5. Choosing assignments
      2m 59s
  7. 11m 27s
    1. Interacting with clients
      2m 11s
    2. Delivering quality work
      2m 28s
    3. Getting referrals and recommendations
      2m 34s
    4. Losing and firing clients
      4m 14s
  8. 10m 48s
    1. Deconstructing big jobs
      3m 34s
    2. Adopting time-management tools
      2m 35s
    3. Creating schedules
      2m 30s
    4. Turning off the clock for "me time"
      2m 9s
  9. 20m 6s
    1. Staying motivated
      3m 3s
    2. Increasing your rates
      2m 52s
    3. Marketing beyond your professional network
      2m 56s
    4. Growing through hires and partnerships
      3m 30s
    5. Building passive income
      3m 48s
    6. Changing focus
      3m 57s
  10. 4m 52s
    1. Case study: Publishing a book
      2m 47s
    2. Next steps
      2m 5s
  11. 12m 42s
    1. Freelancing Q&A
      12m 42s

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