Section 831(b) microcaptive insurance lets small businesses retain underwriting profit on hard-to-insure risks, but the IRS's 2025 final regulations treat captives with loss ratios under 30% as listed transactions. Here is how to structure one that survives an audit.
Self-employed filers can deduct 100% of qualifying health insurance premiums above-the-line via Form 7206 and Schedule 1 line 17, provided the business is profitable and neither spouse had access to subsidized employer coverage. The guide covers S corporation W-2 requirements, ACA marketplace subsidy circular calculations, age-based long-term care caps, and the five most common errors that trigger IRS disallowance.
Nearly 40% of small businesses carry no insurance. Learn about the essential coverage types—from general liability to cyber insurance—average costs, common mistakes to avoid, and how to choose the right policies for your business.
Learn 8 essential cybersecurity practices to protect your small business financial data from phishing, ransomware, and data breaches—plus free resources and a guide to building a security-first culture.
Professional liability insurance is essential for service-based businesses, providing crucial protection against client disputes and legal claims. Learn what this coverage entails and how it can safeguard your business from financial ruin.
Understanding workers' compensation insurance is crucial for employers to protect their businesses and employees from the financial burden of workplace injuries. This guide covers what it is, its costs, and how to navigate the claims process.
Understand the essential types of small business insurance, legal requirements, and how to safeguard your company from financial risks. This comprehensive guide provides insights into coverage options and common pitfalls to avoid.
Understanding the essential insurance policies for small businesses is crucial to avoid financial ruin. This guide clarifies what coverage you truly need, what you can skip, and how to find the best value for your business.
Take control of your finances with our open-source double-entry accounting system. Start your ledger today.
© 2019 - 2026 Beancount.io
