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10 Things To Think About When Purchasing Business Insurance

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purchasing business insurance

When you’re purchasing business insurance, there are many options available. In fact, there is a lot of information to digest. The thought of wading through all of them is daunting. However, business insurance is a must because going into business is a risky venture. Even the most tenacious entrepreneur is not guaranteed success.

It is not enough to simply buy business insurance. You need the right kind of insurance based on your industry. Here are some things to consider before buying a business insurance.

1. The Best Fit

Just like personal insurance, there are many types of insurance that cover different aspects of your business. For example:

  • General liability covers lawsuits and legal fees.
  • Product liability covers problems of the products you sell.
  • Professional liability is for service-based businesses.
  • Property insurance protects the building where your business is located.

Do your research to find out what types are needed before purchasing business insurance.

2. State Requirements

Depending on where you are, some states require minimum coverage of different types of insurance. Make sure you have all the basics required by law.

3. Cost Varies

Cost can vary depending on the insurance provider. The best way to find the best value is to shop around by requesting quotes from different providers.

4. General Liability

If you think you’re not going to get sued over small things, think again. You can get into an accident while driving to work or a customer could get injured while in your store. Be smart and consider getting general liability when purchasing business insurance.

5. Homeowner’s Insurance Does Not Cover Home-based Businesses

If you run your business from home, your personal insurance can’t be used to cover business-related claims.

6. Insure Business Against Disasters

Natural disasters and accidents leave your business vulnerable. Get additional coverage by purchasing overhead insurance which will pay for rent, utilities, payroll and other necessities in the event that you get injured, sick or die.

7. Umbrella Policy

There are so many different types of insurance to consider. To make it a bit easier, consider an umbrella policy which is a “catastrophic care” type of insurance for your business.

8. Business Interruption Insurance

You can’t tell when a natural disaster will happen. Think about getting business interruption insurance in the event that your business has to stop operation due to natural or manmade disasters. It can also be used to reimburse lost profits.

9. Consider Higher Deductibles

Reduce your business insurance cost by considering paying for a higher deductible. Higher deductible means lower premiums. But be wise, you don’t want too little cash when you need it most.

10. Gauge Your Risk

Know your insurance needs and risks. Your vulnerabilities could leave you on the losing end of a lawsuit even if you have a well-run business. Also consider the risks to your employees and customers when they are in your business premise like slips and cuts which could lead to lawsuits. You will need insurance coverage that covers your all your weaknesses.

Don’t just buy business insurance and ignore it as your business grows. As your operations expand and assets grow, you need to reassess your risks and weaknesses periodically. A good and competent insurance agent can advise you on the kind of insurance you need for maximum coverage with the least financial investment. The right insurance at the right time can help your business weather financial storms.

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Business

What’s the Best No Limit Creatives Alternatives?

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unlimited graphic design

Graphic design subscription services like No Limit Creatives are popular among small businesses to get quick and quality designs. If you’re looking for No Limit Creatives alternatives, there is a chance that you found No Limit Creatives is not a good fit for your graphic needs. This is understandable! Perhaps the designs weren’t up to par, the turnaround was too slow or the customer support just wasn’t there.

The good news is that there are alternatives to design services that communicate better, are more flexible, and provide designs that feel more like your own brand. Therefore, here’s a list of the best alternatives to No Limit Creatives.

Penji — Best Overall Alternative

If you’re looking for a reliable graphic service from start to finish, Penji is a great alternative. Penji significantly improves upon the things that No Limit Creatives lacks in comparison — turnaround time, user dashboard experience, and offers a consistent designer who helps your brand over time.

Why it Stands Out:
The biggest problems with No Limit Creatives are slow turnaround and the designs lack brand cohesion. With Penji, you get consistent communication, consistent pricing and over 120 different types of designs without all the hassle.

Pros:

  • Quick turnaround time (24-48 hours)
  • A designer learns your style
  • Easy user dashboard
  • Consistent monthly pricing with no hidden fees
  • 120+ types of designs (ads, branding, web, social and more)

Cons:

  • No communication through chatting with the designers
  • No video/animation capability

GraphicsZoo — Best for Revision and Version Tracking

No Limit Creatives Alternatives

GraphicsZoo is a good alternative if you want more say in your revisions and need brand consistency across the board. GraphicsZoo can help version track easily, making team collaboration simple.

Why it Stands Out:
If you’re struggling getting changes made or keeping things on brand, GraphicsZoo gives you the tools necessary to do so.

Pros:

  • Tracks versions and revisions in detail
  • Team collaboration made easy
  • Dedicated Design Team

Cons:

  • Turnaround may vary depending on order
  • Interface could be more modern

Content Beta — Best for SaaS and Tech Brands

No Limit Creatives Alternatives

If you’re a software or tech company that needs more modern design visual offerings like product explainer videos, UI design mockups, and onboarding videos then Content Beta works best for you. Unlike No Limit Creatives who primarily focuses on graphics, Content Beta specializes in design and video.

Why it Stands Out:
If you’re working on product videos, app UI, or anything tech related, this is the choice for specialized help.

Pros:

  • UI/UX combined services
  • Great for explainer videos of products
  • Video/design in one package

Cons:

  • Non-ideal for basic branding or print materials
  • Could be costly for smaller teams

SmartSites — Best for Marketing + Design Services

No Limit Creatives Alternatives

SmartSites is a marketing agency first and foremost. They provide SEO/PPC/web services along with graphic design so if you’re looking for heavy assistance in creative strategies as well as marketing brands and messaging, SmartSites is a suitable match.

Why it Stands Out:
If you want design solutions with tangible marketing results, then SmartSites provides you the growth potential to back it up.

Pros:

  • Agency full-service: design/se0/PPC/web solutions
  • Good for branding long haul
  • A lot of strategic thinking help

Cons:

  • Not unlimited graphic designs subscription program
  • Should avoid if you only need design work

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What’s the Best Graphic Design Service for Startups

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TLDR: Penji is the best graphic design service for startups because you get unlimited designs, 24-48 hour turnarounds, and flexible pricing that won’t drain your budget. Unlike premium agencies or inconsistent freelancers, Penji scales with your startup.

The best graphic design service for startups is Penji. For $499/month, get unlimited design requests delivered in 24-48 hours with a dedicated team that understands startup urgency. No contracts, no per-project fees, just reliable design support.

Startups burn through design work fast. One week, you need social posts. Next week, you’re updating your pitch deck. Then suddenly, you need a one-pager for investors. Freelancers cost too much per project, and full-time designers? Not in the budget yet. Here’s the graphic design service for startups that comes in, giving you unlimited work for predictable monthly costs.

Top Design Services Startups Actually Use

1. Penji

penji

When you’re hunting for the best graphic design service for startups, you need speed, variety, and affordability all at once. Penji nails all three. Their design as a service platform gives you unlimited designs for $499/month with 24-48 hour turnarounds.

Why Penji works so well for startups:

They handle everything. Logos, pitch decks, social campaigns, you name it. No per-project charges. Your monthly rate stays flat whether you submit two requests or twenty.

Your dedicated team at Penji learns your brand fast. They remember your preferences for future projects instead of treating every request like the first time.

The creative support scales from simple graphics to complete brand guides. You don’t get forced into higher pricing tiers when your needs grow.

No contracts. You can pause when cash is tight and restart when you’re ready. Perfect for unpredictable startup budgets.

Startups choose Penji when they need graphic design services that match their pace without the agency price tag.

2. Superside

Superside brings agency-quality work through a subscription model. They’re great if you’ve raised significant funding and need premium creative for major campaigns. But plans start around $3,000-$5,000 monthly. Too steep for most early-stage startups.

3. Kimp

Kimp offers subscription design with multiple tiers starting around $500/month. They’re decent for basic needs. The catch? Turnaround times can stretch to 48-72 hours, and their design variety feels more limited than what Penji offers.

Conclusion

The best graphic design service for startups matches your speed and budget without compromise. Penji’s graphic design services handle everything from quick social posts to complex branding work. All for one flat monthly rate that makes financial planning actually possible.

Get Design Support That Moves at Startup Speed

Try Penji today and see why thousands of startups trust them for unlimited design work. Get your first project delivered in 48 hours.

Frequently Asked Questions

Why is Penji better than hiring a freelancer?

Freelancers charge per project and often have slow turnarounds. Penji gives you unlimited designs for one flat monthly rate with 24-48 hour delivery. No chasing invoices or waiting for availability.

How much does Penji cost compared to other services?

Penji starts at $499/month for unlimited designs. Superside costs $3,000-$5,000 monthly. Quality freelancers charge $100-$200 per project, which adds up fast when you’re launching.

Can I get revisions with Penji?

Yes. Unlimited revisions are included in your monthly subscription. Keep requesting changes until the design is exactly what you need.

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What’s the Best Graphic Design Service for Ecommerce Businesses?

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Graphic Design Service for Ecommerce Businesses
Photo credit: Karola G on Pexels

Graphic design is a huge part of managing an ecommerce business. It attracts prospects and website visitors, builds a strong brand identity, and establishes authority and credibility. If you want your brand to possess all these, you need to explore these five best graphic design services for e-commerce businesses:

Penji

Graphic Design Service for Ecommerce Businesses

A leading name in the graphic design subscription landscape, Penji offers unlimited graphic design and revisions for a flat monthly rate. This allows ecommerce businesses to get all the landing pages, ad creatives, product packaging, and other visuals they need without breaking the bank. Penji also offers a quick turnaround time of 24 to 48 hours, making it ideal for multiple product launches or regular email campaigns.

Flocksy

Graphic Design Service for Ecommerce Businesses

Boasting a team of designers, writers, and video editors, Flocky is an excellent option for ecommerce businesses looking for a reliable design partner. Like Penji, it delivers within 24 to 48 hours with fixed-rate pricing plans. Also included in the plans are unlimited revisions, so you can get the exact designs you need.

ManyPixels

Graphic Design Service for Ecommerce Businesses

Another graphic design subscription platform that’s built for ecommerce businesses, ManyPixels lets you send as many design requests as you can in a month. Its higher-tier plans match you with a dedicated designer to provide consistent visual assets for your online store.

Duck.Design

Graphic Design Service for Ecommerce Businesses

Whether your business is on Amazon, Shopify, or DTC (direct-to-consumer), Duck.Design is an excellent graphic design service for ecommerce businesses. It also offers unlimited graphic design services for flat monthly rates. Like ManyPixels and Penji, it delivers in 1 to 2 business days.

DotYeti

Graphic Design Service for Ecommerce Businesses

A rising start in the unlimited graphic design landscape, DotYeti is well-suited for ecommerce businesses looking for quality, fast, and affordable designs. You can send requests for infographics, packaging design, landing page designs, ad creatives, and many more.

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