Here is a typical listing. Should this not be what you want let me know and we can discuss further. An independent contractor is not required to to be incorporated, if they wish to a, subchapter S corporation would do. In the case of insurance she would most likely have to be licensed which entails taking an exam regarding various insurance products.
"Sales Insurance Agent
American Family Insurance 95 reviews - Tacoma, WA
A fantastic opportunity now exists to join the American Family Team! American Family Insurance wants to make your experience with us easy and convenient. Our approximately 3,500 independent contractor agents are local, knowledgeable and trusted advisors. They get to know you like family. Due to the growth of our business, we are searching for driven, motivated, and hard working Sales Agents to join our team.
As an insurance agent operating as an
independent contractor, you will be representing American Family Insurance products exclusively.
The American Family Insurance Agents duties may include but are not limited to:
- Successfully start and operate a business with state of the art technology
- Responsible for building relationships within your community
- Create and enhance your own professional development
- Owner and manager of your agency
- Grow your business by hiring your own support and sales staff
What American Family Insurance Offers Agents
- UNLIMITED INCOME POTENTIAL
- Personal satisfaction from helping others
- Extensive training and support
- Incentive programs and bonuses
- Financial support to assist you in your office selection, office expenses, and staff payroll
- Personal and professional recognition
- Be rewarded for the success that you achieve
- Help with locating and staffing your office
- Financial support early on
- Marketing support throughout your career
- Training and support is offered by American Family Insurance to new agents *
Training consists of educational and field experiences designed to provide the core skills, knowledge and personal characteristics needed to be an effective American Family Agent
Requirements/Qualifications
- Competitive spirit
- Self-motivated personality
- Strong communication skills
- Ability to achieve results
- Customer service and sales focused
- Acceptable driving record and credit history
- Criminal background check is also required
- Process consists of: being interviewed, going through various background checks, and obtaining your Property, Casualty, Life and Health Insurance licenses
"
Generally what they typically don't list in those things are that they provide the training and take the "cost" out later.
Also..you have to establish your customer base, often by making cold calls.
And it's not really a "business" you start up by yourself. It's more of a franchise you buy into. And you are still dependent on their product.
So in essence you are an employee without the perks.
Any business generally requires that one needs to generate clients, it is not a franchise by any means. Further, the tax treatment for an independent contractor and an employee are quite different. How the work is performed is also a factor as is control over the one performing the work.
"Common Law Rules
Facts that provide evidence of the degree of control and independence fall into three categories:
Behavioral: Does the company control or have the right to control what the worker does and how the worker does his or her job?
Financial: Are the business aspects of the workerÂ’s job controlled by the payer? (these include things like how worker is paid, whether expenses are reimbursed, who provides tools/supplies, etc.)
Type of Relationship: Are there written contracts or employee type benefits (i.e. pension plan, insurance, vacation pay, etc.)? Will the relationship continue and is the work performed a key aspect of the business?
Businesses must weigh all these factors when determining whether a worker is an employee or independent contractor. Some factors may indicate that the worker is an employee, while other factors indicate that the worker is an independent contractor. There is no “magic” or set number of factors that “makes” the worker an employee or an independent contractor, and no one factor stands alone in making this determination. Also, factors which are relevant in one situation may not be relevant in another.
The keys are to look at the entire relationship, consider the degree or extent of the right to direct and control, and finally, to document each of the factors used in coming up with the determination."
Independent Contractor (Self-Employed) or Employee?