If you’re going to blog full-time, you’re going to need insurance

Broken Wrist - DSCN6428 ep

Living the full-time blogger’s life sounds like a luxurious dream to most aspiring bloggers, but that dream can quickly turn into a nightmare if you aren’t fully prepared and haven’t secured everything you’ll need ahead of time.

I learned the hard way, that every blogger needs affordable health and/or business insurance.   It honestly was the last thing I had on my mind.  I had been so used to whipping out my old insurance card whenever I needed to go to the doctor or pick up a prescription that it caught me off guard when I no longer had that privilege.

Don’t get me wrong, I had prepared for a gap in service by stocking up on scripts, but when my daughter hurt her wrist and had to go in for X-rays,  that was the horrifying wake up call.

I wish someone could explain to me why it costs almost $500 for someone to push a button a couple of times and print out a blurry picture – because I’m clueless.  On top of that, the doctor spent a record-breaking  8 minutes in the room telling us that nothing was broken before writing a prescription for over the counter pain relievers and an adjustable wrist brace.

I was glad that it was just a sprain and not a broken wrist, but I really wish I had known ahead of time before I racked up a huge bill in less than 30 minutes.

The truth is, at some point, you or someone in your family is going to get sick or hurt, and unfortunately there’s no blogger’s union offering health benefits.  So, you’re going to have to get some yourself.  Otherwise, out of pocket medical expenses will wipe out everything you’ve earned in no time flat.

I know, just the thought of having to secure your own insurance might be the detail that causes you to rethink full-time blogging altogether, but it doesn’t have to be.  Start by simply getting some quotes and then plan your finances accordingly.  Do some comparison shopping and select a plan with premiums and co-pays that you can afford, but also meets your needs.

In addition to health insurance, you might also want to get a business insurance quote if you’re running a business alongside your blog to protect yourself in the event someone wants to take you to court.   Do a little research to find out more about business insurance.

Other accommodations you’re going to need if you’re planning on blogging full-time:

  • Fully equipped home office with a fairly recent computer or laptop and reliable internet service.
  • A daily schedule and on-going To-Do list to keep you organized. It’s super easy to get caught up in social media time-wasting activities. So give yourself some structure to go by and stick with it.
  • A few months’ worth of expenses saved up and set aside in an account for emergencies.  If an unforeseen incident occurs or your income dips, you want to be able to support yourself and your family.

What other items or arrangements might you need if you’re thinking about blogging full time?  Have you thought about how you’ll handle other unexpected expenses?

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