Another type of insurance that you will need to get is worker's comp. This is required in every single state in United States. Essentially, this insurance will make sure that your company will be able to pay if one of your workers is injured and needs to sue in order to pay for medical bills. One problem with worker's comp, however, is that it can get pretty expensive depending on type of business you have.

You will also want to make sure that you get auto insurance if you are going to have any sort of company car. Not only is this just a good idea, but it is also required by law if you are going to have anybody driving vehicles while they're on job for you.

The most important thing to consider when you're trying to decide what type of insurance to get is that you should always check with regulations of area that you're in to make sure that you will get enough insurance to cover right things.

After talking with employees to understand process they were using, and listening to frustrations they were experiencing, it quickly became evident that current procedure had lost significant value. What used to work perfectly had now become not only more vulnerable to errors, but costly. And, with business continuing to grow, this was not a short-term challenge.

With minimal investigation I discovered that process could be shortened to two steps, performed by two employees, with one simple solution -- an upgrade of property management software they were using.

Naturally, software upgrade was prominently placed in my assessment and recommendations report. I knew, however, that owners would view this as an expense that would cost them more than $2,000 and, therefore would not likely top their To-Do list.

Time for "no pain, no change" discussion.

In addition to recommending software upgrade, I detailed a conservative estimation of current 'real' costs associated with this procedure that primarily consisted of overtime and error reconciliation. I then detailed estimated resulting costs associated with implementing upgrade. The difference? A savings of nearly $7,500 a year! That's a significant profit leak for a small, 6-person operation.

Do you think owners were more motivated to change habit that currently supports $7,500 profit-draining leak? You bet they were! Suddenly, it was evident that $2,000 software upgrade was an investment, not an expense. It carries measurable ROI.

Because client could now see an immediate (financial) pain, there was an increase in desire for immediate (procedural) change. Every critical process of your own business should be looked at with this same "no pain, no change" assessment.

What is it really costing you to do what you've always done?

Identify pain, and you'll increase desire for change.