Ask Dr. Deborah | Do I really need liability insurance?

Dear Dr. Deborah,

I am in the process of starting my own jewelry making business, and one step that I’m unsure about is insurance. Others have told me that liability insurance is an absolute must, but I’m not sure if I really need it. I’ll be running my business out of my home initially and mostly traveling to craft shows and potential vendors. Do I really need liability insurance?

-Janice, NH

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Ask Dr. Deborah | How can I better manage my time?

Dear Dr. Deborah,

I need some advice. I own and run a photography company, and business has been great. Most of my clients refer me to friends and colleagues, so new customers are flying in, especially with the wedding season coming up.  However, I’m finding it difficult to get everything done during the day. I don’t think I’m ready to hire an employee, but I don’t feel I have enough time during the day to finish everything that needs to get done. Do you have any suggestions?

– Caroline, VT

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