Business Auto Insurance: Small Business Insurance Quotes #cars #online

#commercial auto insurance

Quote Buy Online

Whether you’re a landscaper, cabinetmaker, or florist, your customers are the heart of your small business. They depend on you to provide a service, like a unique landscape design, a hand-carved kitchen cabinet, or an exotic bouquet of flowers. Every day, you strive to provide the best products and services so that your customers are satisfied. You can trust Progressive to provide you with the best commercial small business auto insurance solutions, to protect you and your business in the event of a claim.

Call 1-888-240-9837 for Your Free Quote

Small Businesses We Insure

Progressive’s offers small business auto insurance to a variety of business types, including the following:

  • Landscaping and snowplow insurance
  • Artisan and contractor insurance
  • Courier and delivery insurance
  • Restaurant and food service insurance
  • Farming and livestock insurance
  • Wholesale business insurance
  • Religious and nonprofit organization insurance

With Progressive’s small business auto insurance, you can cover a variety of vehicle types, including cars, pick-up trucks, vans, and SUVs. You can insure both inexperienced and veteran operators with clean driving records or points, too. In some states, we even offer coverage for drivers who have a foreign driver’s license.

Auto Insurance for Businesses

Progressive offers customized business auto insurance quotes for almost every type of small business. If you’re a new business owner with a pick-up truck or an experienced business owner with a cargo van, Progressive offers small business auto insurance solutions to meet your needs. Get your small business auto insurance quote and see how you can save.

Starting a Child Care Business in California #it #for #small #business


Starting a Child Care Business in California

Starting a child care business in California involves a particular set of legal considerations that are specific both to the type of business and to the State of California. These include choosing the proper business entity, obtaining licenses and permits, dealing with health and safety, getting adequate insurance, and dealing with employees.

As we review some of these considerations, keep in mind that the terms daycare and child care are largely interchangeable in California; many of the state s laws, publications, and websites refer to child care rather than daycare.

To learn about other California business opportunities, see Nolo’s section on Starting a Business in California .

Choosing the Business Entity

While you could operate your daycare business as a sole proprietorship or partnership, you should consider using a legal form that protects you from personal liability, such as a limited liability company or corporation. A child care center may not be the most dangerous business, but you will be taking care of the most precious thing in the lives of your clients: their children. You will be responsible for the health and safety of those children, many of whom may be toddlers, for hours every day. There is always a possibility that a child could be injured while on the premises of your child care business in which case you would want the business, not you personally, to be responsible for any liability.

Licenses and Permits

In California, licensing of child care businesses is handled through the Child Care Licensing Division (CCLD) of the Department of Social Services (DSS). You need a license if you will be caring for children from more than one family that is not related to you. Operating without the required license can result in significant penalties.

One key distinction made by California s child care laws is between care provided in a person s home ( Family Day Care or Family Child Care ) and care provided at an independent facility ( Child Care Center ). The license and renewal fees are higher, and the regulations more extensive, for child care centers.

You will need to attend an orientation session before you can apply for a license for either a family child care (in-home) business or a child care center (separately located) business. To schedule an orientation, you should contact the nearest state licensing agency; a list of locations is available online. You will need to pay a nonrefundable fee for the orientation.

After you successfully complete the orientation, you will need to complete the license application. The application asks for a variety of information, including:

  • what ages of children you will be taking care of (infants, toddlers, pre-schoolers, school-age)
  • what capacity you are seeking for children in each age range
  • whether you own the property where the care will be provided
  • whether your business will be for-profit or nonprofit, and
  • acknowledgments regarding knowledge of, and compliance with, health and safety, criminal record, and other regulations

You also will have to pay a license application fee; this fee will vary depending on the number of children you will be caring for, but may run into the hundreds of dollars, with a similar amount due each subsequent year as a renewal fee.

More information on licensing is available at the CCLD s website .

Apart from state licensing, you should keep in mind that there may be local zoning laws that would prohibit running a child care business in a particular location. This is more likely to be an issue if you are thinking of operating the business out of your home and you live in a clearly residential, as opposed to commercial, area. Even if a child care center is permissible under the local zoning ordinance, you may be required to obtain a compliance certificate from the local zoning authority. In short, your best bet is to investigate zoning regulations before you open for business.

Health and Safety

The government is very concerned about the health and safety of infants and small children, and California s child care regulations are extensive. For example, one of the state s manuals of policies and procedures for home-based child care businesses is over 80 pages long; the manual for freestanding child care centers is much longer.

With some variation depending on whether you are operating out of your home or an independent child care center, key areas of state regulation include:

  • criminal record clearances, including checks related to child abuse
  • fire safety clearances
  • training requirements for center personnel
  • reporting requirements when children need medical treatment or there are other unusual incidents
  • ratio of staff to children
  • requirement that individual named licensee be present at the center
  • safety of toys and play areas
  • prohibition on smoking cigarettes
  • disaster evacuation planning
  • financial records requirements
  • specific teacher-to-children ratios for toddlers
  • transportation of children
  • food service requirements
  • napping
  • minimum required outdoor space
  • building fixtures and equipment
  • distinctions between infant care, toddler care, and school-age care, and
  • state inspection authority

As the last item on the list indicates, the state has the authority to inspect your operation. These inspections may be unannounced and may include interviews of children and staff. They may also include inspecting any part of the child care center, or those parts of a home in which child care services are provided. Similarly, you should expect that a fire marshal or other fire prevention official will make an inspection to ensure there are adequate routes of escape in case of fire.

The CCLD has published readable regulation highlights documents that provide more details on these matters for both freestanding child care centers and in-home family child care; the documents are available at the CCLD s website .

Tax Deduction

If you run your daycare business out of your home, you may be able to deduct expenses for the business. To qualify, you must (a) provide daycare to children, and (b) be licensed by the state or exempt from the state s licensing requirement. Details about how to figure the deduction can be found on IRS Publication 587, available at .


There are particular risks associated with operating a child care center, primarily those related to the health and safety of infants and small children. These are on top of more generic business risks such as fire, theft, or other sources of property damage or personal injury.

Try to work with an insurance agent who has previous experience writing policies for child care providers. Consider coverage for sexual abuse or molestation, for corporal punishment, and for employees who are child care providers. In general, make sure you have an excellent general liability policy.


Most daycare centers have employees and, in many cases, there can be relatively frequent turnover. You should inform yourself about basic employment law issues such as illegal discrimination, workers compensation, and how to handle the hiring process. With regard to hiring in particular, learn how to:

  • create a useful job application that does not include illegal questions
  • check references or make other preemployment inquiries — again without violating privacy laws or otherwise seeking illegal information, and
  • ask interview questions that are both useful and legally permissible.

Keep in mind that there are some employment laws that are specifically relevant to daycare workers, such as state training requirements and rules relating to criminal records. California requires the licensee of a home-based child care operation, and at least one on-duty staff member at a child care center, to be trained in pediatric CPR, first aid, and other health-related areas.

A good resource for general employment issues is The Employer s Legal Handbook , by Fred Steingold (Nolo). Also, many key employment laws are administered through the Department of Labor, and there are a variety of informative webpages within the Department of Labor website.

Talk to a Business Law attorney.

Leverage Cloud Accounting #small #business #cloud #accounting


Cloud Accounting experts by trade, humanitarians at heart; we understand the challenges of running a business while balancing a fulfilling life outside of work. That’s why we created Leverage, a boutique full service cloud accounting firm for professionals, startups and small to mid-size businesses. Our goal as a company is simple– to enrich your life with the financial understanding and extra peace of mind you need to live your life to the fullest.

Our virtual accounting and bookkeeping services are a reliable, high-quality alternative to in-house resources for bookkeeping, financial reporting and business progress analysis. Our integrated accounting system is second to none, seamlessly weaving together multiple cloud-based technologies that saves you time and money while providing the information you need to confidently manage your business.

As a small, boutique accounting firm, we take the time to get to know your business intimately so that we truly become a valuable and contributing part of your team. For us, bookkeeping is more than just entering payments and bills into accounting software and hoping for the best– it’s a dynamic tool that can be leveraged to help your business succeed and to accomplish your long term goals.

When we started Leverage, our vision was to align our expertise in cloud accounting with our commitment to living a life of service. The result has been inspiring, as we’ve not only developed into a respected accounting firm, but one that can also openly claim that we genuinely care about our clients. The way we see it is if you are thriving and at peace with your business, this will be paid forward to the people around you. What better outcome is there?

So, welcome to Leverage. Large firm capability. Boutique firm service. In the cloud.

More Automation

Cloud Accounting leverages the power of advanced cloud computing technologies to greatly reduce the amount of time to perform various accounting processes. The older outsourced model simply replaced existing internal hours with comparable time spent by a third party provider on-site; typically at a higher cost. With far fewer hours needed for a Cloud Accounting provider to achieve the same objectives, cost savings are created for you.

More Support

Similar to what outside providers like ADP and Paychex have done for the payroll component, Cloud Accounting endeavors to relieve you of the rest of your accounting related burdens. Thus through Cloud Accounting, an entire virtual accounting department is now feasible, both operationally and economically, for professionals, startups and small businesses.

More Time

In addition to contributing directly to the bottom line, Cloud Accounting is all about benefiting the small business owner. Whether it’s relieving your accounting headaches, freeing up hours you otherwise would devote to accounting functions, or providing you with more timely and reliable financial information, Cloud Accounting is designed to position you with more available time and financial clarity to do what you do best – focus on creating greater impact, which includes top and bottom line results.

Cloud Accounting is the latest, most technologically advanced evolution of its aging predecessor, Outsourced Accounting. All information is stored in the cloud. Cloud accountants can do everything a local accountant can do, but are completely virtual and utilize cloud-based software platforms like QuickBooks and to serve clients.


Our clients come from a wide range of industries, but tend to be mainly from the professional services and online business sectors. That said, our current clients include law firms, tech startups, wine importers, non-profits and many more.


To put it simply: your systems are your accounting. We use the same core system for all of our clients. This core includes QuickBooks Premier, Right Networks,, QuickBooks Payroll, ADP, SpringAhead, Tallie, Dropbox and We often add additional software selections for clients in specific industries that utilize Amazon, PayPal, Shopify, Square, Stripe and more.


We charge hourly based on the services you need. Contact us using the form below to set up a 20 to 30 minute consultation that will help us get the details we need to give you an accurate price quote.

President Obama Small Business Grants #obama #small #business #loan


President Obama Small Business Grants

There is no doubt about it. I know it. You know it. Our local politicians know it. You can go up the line all the way and see that President Obama knows it. Our business owners like you and I need help in getting through this recession our country is stuck in. President Obama is clearly well aware of the financial strain most of us are in. He is so much aware that he has decided to put the money where his mouth is and President Obama small business grants are available to several more people around the United States than what was available in grant money even just four or five years ago.

Who is eligible for small business grants?

Currently, President Obama Small Business grants are available to a very wide range of business owners. It ranges from not only non profit organizations such as charities, but all the way to those businesses such as car manufacturers. The little guys are not left out however, and people for the last couple of years have been working towards trying to help the smaller business owners stay afloat. You must prove that you have a viable business model and need the assistance in order to qualify.

What is required to receive one of the many President Obama small business grants?

A: Prove you need the small business grant

This is going to be one of the things you are going to have to prove during the application process. My recommendation is to take a full inventory of what your overhead expenses are, all the way down to the penny. If you have not started your small business yet, then you should take a realistic, but honest approach to what is required to get the business up and running. Determine why you need to spend that money and why it is required in order for your business to function.

B: Explain exactly where the money is going to be used

The government wants to know where their money is going to be going. Therefore, when applying for a small business grant that President Obama has established you should always make sure you have chosen the areas you need help with the most. Always identify the logical reasoning. For example, if you are starting a restaurant you probably need a grill of some kind but restaurant quality grills are not inexpensive. You should identify that all other options are out of question for you, possibly even including loans.

C: Keep good records

When obtaining a federal small business grant you should view it not as free money, but as a contractual agreement. The federal government wants to ensure that the money they are providing to stimulate the economy is being put to good use to make a difference in the economy. Therefore, even though your bank account may look a little bigger after receiving a grant, you should never go out and buy anything that you had not discussed in your application process in regards to where the money is going to go. You will be expected to prove how the money was spent through a review process that usually will come around one to three years after being approved for a federal grant.

Grants by State

Four Steps to Getting a Commercial Loan Approved #steps #to #getting #a #small #business #loan


Four Steps to Getting a Commercial Loan Approved

Improve Your Chances for Securing the Funding Your Business Needs

Getting approved for a commercial loan is never easy, but when your business is still new, it can prove to be an even more formidable challenge.

Lenders are hesitant placing such trust in new businesses because they simply do not have established credit histories that can help the lenders feel more comfortable about approving loans. For this reason, lenders will often refer to the business owner’s personal credit profile to determine credit-worthiness.

Besides relying on your personal credit profile, here are four steps you can take to possibly help improve your chances of being approved for a commercial loan for your business.

#1 – Tailor Your Business Plan for Lenders

Many businesses have different variations of their business plans for different purposes. If you are planning on applying for a business loan in the near future, then you should create a custom business plan just for lenders. Include a detailed history of your company, and showcase your experience as a business owner.

Create a budget to show how the funds will be allocated, and how doing so will help your business grow. Practice your presentation until you are comfortable with it so your lenders will be impressed with your confidence. A positive impression can be very helpful in your search for funding.

#2 – Contact Commercial Loan Lenders

Not all lenders specialize in commercial loans, so do your research, and find lenders in your area who do. Call and ask to meet with their loan officer. Because commercial loans are not subsidized, approvals are on a case-by-case basis, and the lender ultimately decides the interest rates and terms of the loans.

By targeting your applications to commercial loan lenders, you may improve your chances of being approved over applying with other types of lenders.

#3 – Offer Collateral to Secure the Loan

When you meet with the lender and you make your presentation, you may still be facing an uphill battle for approval. If necessary, offer to put part of your business up as collateral. You can use property, equipment, or other valuable assets to help reduce the lender’s risk.

This does increase your business’s risk, but for some businesses, this is the only way lenders will approve their commercial loans.

#4 – Sign a Personal Guarantee

In order to grant approval, some lenders may also require you to sign a personal guarantee on the loan. This document protects the lender in the event the business goes under, by making you personally and legally responsible to repay the debt.

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Simple web based CRM software: contact sales pipeline – small business, crm software for small businesses.#Crm #software #for #small #businesses


The UK’s most popular small business, web based CRM.

Crm software for small businesses for free in 60 seconds

Track Conversations, Sales and Contact History

With Tactile CRM you can keep track of the people and companies you do business with, opportunities in the pipeline, communications with them, and what needs to be done next.

Track Sales, Contacts and More

  • Share notes and emails
  • Track conversations
  • Monitor your sales
  • Schedule follow up calls
  • Get more business done

Realtime Sales Reports

See sales and deals in realtime with Tactile CRM’s reports and opportunities.

  • Track value, probability and close dates
  • See your teams pipeline’s
  • Forecast your revenue

Seamless integration with your favourite products

  • Key Information – Support Request, Invoices, Contacts and Emails in one place
  • Easy Import and Export – Import and export data at the touch of a button
  • Easy Setup – no programming required
  • Sales Pipeline Opportunities
  • Shared Address Book
  • Seamless Email Integration
  • Conversation Contact Log
  • Reminders Calendar

Organise Your Business

Tactile CRM is an easy to use web based contact sales management system. It’s great for managing your sales pipeline, contacts, notes, emails and activities in one place so you can easily share information within your organisation.

Crm software for small businesses

Seamlessly Integrated

We’ve done the hard work so you don’t have to. Tactile CRM works with loads of other great online services such as invoicing, help desk and business card scanning solutions to offer you a complete solution for your business.

Recent News

Check out our blog for regular updates about Tactile CRM and what we’re working on. Our status page is also worth book marking as service status updates are logged there.

Tactile CRM is a web based contact and sales management system for small businesses and departments. It’s great for managing your sales pipeline, contacts, notes, emails and activities in one place so you can easily share information within your organisation amongst your colleagues.

Best pbx phone system for small business #best #pbx #phone #system #for #small #business, #pbx #and #sip

PBX and SIP Phone Systems

‘ Panasonic has been a market leader in the business telephone industry for over 25 years. The latest product line-up offers high quality phone communications solutions for a broad range of business applications, from simple analogue systems, and smaller digital systems suitable for small or new businesses, through to advanced IP based Network Communications Platforms capable of handling multiple locations across the globe and supporting mobile communication with staff wherever they may be.

Access the advantages of SIP technology through flexible Panasonic Telephone Systems

Choosing a Panasonic telephone system that is flexible, easy to deploy, compatible with leading soft-switch technology and capable of growing with your business will help keep your systems installation costs down and ensure you can effectively communicate with your staff and customers.

With a wide choice of telephone system options, voicemail, handset and conference phone options we can help you create a telephone system suited to your needs and the demands of the working environments your staff encounter. Whether you want a system capable of providing High Definition VoIP calls for a few users through wired or wireless handsets, or a multi site system that can facilitate working and communicating from mobile devices across the world, all controlled by the latest technology communication platforms, Panasonic have the expertise to advise you and build a SIP phone system for you which will support you and your business effectively.

Leading Telephone Systems are just a call away

Best Construction CRM Software #best #crm #for #small #business


Top Construction CRM Software Products

Pipedrive is a sales management tool built for salespeople by salespeople. Used by more than 50k teams around the world, it helps you to see the big picture, then gives step-by-step guidance to keep everyone focused on the activities that drive deals to close. With Pipedrive nothing falls through the cracks. Its simple to get started, but powerful enough adapt to any sales process. Construction companies love it because it makes it easy to manage the many facets of the sales process. Learn more about Pipedrive

Pipedrive is a sales management tool that gets sales teams organized. It helps you focus on the activities that drive deals to close. Learn more about Pipedrive

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by Procore Technologies

Procore is a total business development platform. Converting an opportunity into a project takes every part of your organization and even people outside of your organization to make sure you have the right proposal, resulting in the right project award. From creating an online plan room, to tracking all communications, pre-construction expenses, and multiple versions of the estimateProcore delivers the business development system you need. Learn more about Procore

Procores integrated platform provides every team member with a best in class business development engine. Learn more about Procore

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by Zoho CRM

Zoho CRM empowers small to large-sized organizations with a complete customer relationship lifecycle management solution for managing organization-wide Sales, Marketing, Customer Support Service and Inventory Management in a single business system. Learn more about Zoho CRM

Zoho CRM empowers organizations with a complete customer relationship lifecycle management solution. Learn more about Zoho CRM

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by UDA Technologies

Estimating, Project Management and Productivity Tools for Construction Projects. Learn more about UDA ConstructionSuite

Estimating, Project Management and Productivity Tools for Construction Projects. Learn more about UDA ConstructionSuite

New York City Small Claims Court> #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


Starting a Case

Anyone 18 years of age or over can sue in Small Claims Court. If you are younger than 18, your parent or guardian may sue on your behalf. Only an individual can sue in Small Claims Court. Corporations, partnerships, associations, or assignees cannot sue in Small Claims Court. However, they can be sued in Small Claims Court. If you are a corporation, partnership, association or assignee, you can bring a Commercial Claim or Consumer Transaction. For more information, click on Commercial Claims and Consumer Transactions.

In general, the person suing is called the claimant. The person being sued is called the defendant. You may sue more than one person at the same time.

You must be the proper person to sue in Small Claims Court. For example, if you are involved in an accident while driving an automobile that is not registered in your name, you cannot sue for the damage caused to the automobile during the accident. Only the registered owner of the automobile can sue for the damages caused to the automobile.

To learn more about bringing a Small Claims Court case, continue reading below. You can also read the law on this procedure, by clicking on Civil Court Act section 1803 .

Where to Sue: Venue

A claimant must begin the lawsuit in the proper county. In general, a claimant can sue in the county where either party resides. If no party resides within the City, the action can be brought in the county where either party has employment or a business address. If the defendant does not have a residence, employment, or have a business address within the City of New York, you cannot bring the lawsuit in the Small Claims Court. To find the location in your county, click on Locations .

Starting the Case

To begin an action in Small Claims Court, a person, or someone acting on his or her behalf, must come to the Small Claims Court Clerk s office in the proper county and fill out a statement of claim. To find out where the clerk s office is located in your county, click on Locations. To find out when the Small Claims Court Clerk s office is open, click on Court Hours. You may also use an outside service to fill out your statement of claim and electronically file it with the Court. If you are interested in starting your case this way, click on electronic filing .

The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. View and print the small claims claim form.

You can watch a short tutorial to explain how to fill in the form.

Small Claims Form Instructions:
Video (run time: 4:52 minutes/seconds, Windows Media format )
Written Transcript

You will have to pay the court fee to file your claim. If your claim is for an amount up to and including $1,000.00, there is a fee of $15.00. If your claim is for an amount over $1,000.00 and up to $5,000.00, there is a fee of $20.00. The fee must be paid by cash, certified check, money order or bank check made out to Clerk of the Civil Court. Personal checks will not be accepted.

The clerk will give you a date for the hearing. Small Claims Court hearings are usually held at 6:30 p.m. If you are a senior citizen, a disabled person, or a person who works during the evening, you may request that your small claims hearing be heard during the day. You or the person appearing on your behalf must show proof of age, or disability, or nighttime employment. The proof can be in the form of a letter from your job or from a doctor, a driver s license showing your birth date, or other similar documents.

If you live outside the City of New York and want to sue a party within the City of New York, you may file your claim by mail. Contact the Small Claims Court Clerk s office in the county where the defendant lives, works or has a place of business to obtain the necessary form.

The court system does not provide electronic filing at this time. However, several private vendors provide this service. The service provided by each of the vendors is different, and you must review their requirements. We advise that you review this entire website, as it offers a lot of information on how to proceed with your case.

The current vendors are:

Notifying the Defendant

After your claim is filed, the Small Claims Court clerk will serve a notice of your claim by sending it to the defendant. The notice of claim tells the defendant when to appear in Small Claims Court, and includes a brief statement of your claim and the amount of money you are requesting.

The notice of your claim will be sent to the defendant by certified mail and by ordinary first class mail. If the notice sent by ordinary first class mail is not returned by the post office within 21 days as undeliverable, the defendant is presumed to have received notice of your claim, even if the notice of claim sent by certified mail has not been delivered.

If the post office cannot deliver the notice of your claim (for example, the defendant may have moved without leaving a forwarding address), the court clerk will give you a new hearing date and will tell you how to arrange for personal delivery of the notice to the defendant. Anyone who is not a party to the small claim and who is 18 years of age or older can personally deliver the notice of claim to the defendant. The claimant or any other party to the action may not serve the notice of claim personally on the defendant.

If the notice of claim cannot be served on the defendant within 4 months after you filed your claim, your claim will be dismissed. If you learn new information about the defendant s location at a later date, you can file your claim again.

A small claims case will not proceed to trial until the defendant has been served with a notice of your claim.

The defendant may want to file a counterclaim. For information about this procedure, click on Counterclaims .

Preparing for Court

Before the date of the hearing, you should gather all the evidence that supports your claim or your defense. Evidence may include: photographs, a written agreement, an itemized bill or invoice marked paid, receipts, at least two itemized written estimates of the cost of services or repairs, a canceled check, a damaged item or article of clothing, or letters or other written documents. If there are records that are not in your possession, you may wish to subpoena them to be produced at the hearing date. For information about this procedure, click on Subpoenas .

You should also prepare any witnesses you plan to testify at the hearing in support of your claim or defense. The testimony of a person who has special or expert knowledge and experience concerning the subject of your claim may be necessary for you to prove your case. For example, if your claim involves the quality of medical care, you must find a doctor who is willing to give an opinion, in court, about the quality of the care you received. While you might find an expert witness who will testify at no cost to you, it is more likely that you will have to pay for an expert witness testimony.

If a witness, other than an expert witness, will not testify voluntarily, you can serve the witness with a subpoena requiring them to appear in court and testify. For information on how to do this, click on Subpoenas.