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DOINGGOOD · Oct 18, 2010, 10:52 AM

I am a convicted felon in the state of va i live in md and i want to do my own business and it is a very small business what can i do to get bonded or do i need to get bonded? I need some answers i don't know who to ask

Stringer · Oct 18, 2010, 11:09 AM

May I ask what type of business and what was your felony as this may apply.

In general a bond is not required in most businesses however insurance is.

Stringer

DOINGGOOD · Oct 19, 2010, 04:58 AM

Convicted in 2006 of grand larceny and felony drug charges, I would like to go to older peoples homes in 55 and older community I live in and offer pedicures as well as hair care.Do I and to be bonded or just insured??

Stringer · Oct 19, 2010, 06:55 AM

At this point I can only give my opinion/s and that will not help you. I will PM someone to see if they will take a look at this for you.

JudyKayTee · Oct 19, 2010, 08:05 AM

Manicurists/pedicurists MUST be licensed in MD in order to practice their profession. Are you licensed in that State? You cannot obtain insurance and/or bonding unless you are licensed.

If you ARE licensed you would have to apply to a general agent who carries many insurance company lines, fill out applications, see which companies will (or won't) insured you. It is very possible with grand larceny charges 4 years ago they will NOT write a policy for you - but it's one of those "you never know until you try" questions.

Do you need insurance? That depends on your clients and your own level of comfort. Would I work uninsured? No. One nail bed infection, one person who claims injury, you're in very serious financial trouble. Would I work without bonding? No. Same thing - one person, however wrong that person might be, accuses you of stealing and you have some very serious legal issues.

So - the first question is licensing, the second step is applying for the bond, the third is looking into professional liability insurance. All three have to fall into place.