I encounter many people who run their business year in and year out without insurance and only approach the subject when it becomes a contractual obligation. While they may not be required or regulated to carry the insurance, doesn’t mean the risk isn’t present for them to be pulled into a suit for misrepresentation etc. Even BS suits (pardon my French) cost money to defend. So when you buy a policy, what is your money buying (besides peace of mind)
Apr 19
Financing a succession plan
The day will come when someone else will need to take over your company. As a business owner, it is so important that you make plans for the future.
It is a balance between taking care of yourself financially and also making sure that the business is able to thrive in the future with someone else
at the helm.
Mar 05
Traffic Laws and you … did you know…?
So i was doing a little reading a while back and i found a neat little article in the local paper about traffic rules that exist and do not exist. The article was written by Joe Fantauzzi for the york region papers. I wanted to post this because some of these violations can lead to increases in insurance costs for you (should you be convicted). So let’s play the game … Did you know …?
Jan 10
Credit Scoring and You
Have you heard of Credit scoring? Yes – awesome – what is your opinion? Feel free to share it below, i welcome a conversation about it. No? Well i think you should – because you may be in for a surprise.
According to Wikipedia, an insurance credit score is a numerical point system based on select credit report characteristics.
Dec 29
happy holidays
Real or fake?
The holiday season is a wonderful time for slowing down to appreciate family, friends and oneself.
Remember that vigilance is still require expecially now. Something as beautiful as a Christmas tree could suddenly spark and cause major damage.
Stay safe this holiday season and I wish you all the best in 2012
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Nov 03
Critical illness on the rise yet most Canadian parents not adequately insured
if you think you have agents and sales people knocking on your door, you have to see what we get. One thing that i have learned about life in sales is that people genuinely are passionate about their product. That is a very good thing. You may not want their product or even feel that you have need of it. But sometimes it is really good to listen.
Apr 22
Whole Life vs Term – Why choose when you can use both?
in life, we are bombarded by advertisements and requests to insure this and that. one of the most advertised products is life insurance. Whether it appears as accidental death coverage, credit protection coverage or even mortgage insurance – the one product remains: it is coverage that pays someone something when you die.
Feb 28
Business Interruption Insurance – A quick guide to Coverage
Many business owners large and small are advised at some point to purchase a form of business interruption insurance and while mostly a good idea, it is important to realize what the different forms are covering your business for and to ensure that you are paying for the proper coverage suited to your business.
Jan 24
2011 – New decade, New Year – Same old routine?
I am just reading an article in a broker’s magazine by a good guy named John K. (privacy reasons), he may be no Dougie Gilmour, but he is a good guy nonetheless! (i love Grapes!) The article talks to brokerage owners about business continuity planning after reflecting on the earthquake that hit Central and Eastern Ontario last year. Now if you are reading this article and have read others here, you may see a pattern of me taking ideas and demonstrating how they are relevant to everyday businesses and people. So, when it comes to Business Continuity Planning or even Personal Disaster planning for your family, i believe i can serve best here by giving you some things to consider and to offer you my assistance professionally should you need…
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