When we shop for automobile insurance, one priority is typically "low price". We all want to save 15% in 15 minutes, don't we?
Well, we do, but not when it leaves us under insured.
It's important that we purchase adequate liability insurance limits. When we buy insurance to keep premium down, we risk buying limits that are too low to actually pay for the damage we caused.
Riots, vandalism and civil unrest can create unique challenges for business owners-resulting in stolen, damaged or defaced goods and extensive property damage.
Here is an overview of the coverage, important coverage considerations, and best claim practices to consider...
Coverage for Riots, Vandalism and Civil Unrest
The following forms of commercial insurance coverage can provide protection in the event that your business suffers a loss related to riots, vandalism or civil unrest:
At an auction, it's the bidding that pumps excitement into the event. It's the thrill of the chase and the victory of a win! So if bidding works at an auction, why not bid insurance?
On the surface, insurance can appear to be a commodity...something that is easily bid out.
Let's face it, we would love it if insurance was that easy.
But insurance is complicated and typically not fun which is why we depend so much on the trust we have in our agent to help us protect the things that are important to us.
As we begin workplace re-entry, California employers are expected to have COVID-19 protocols in place to help ensure that the workforce re-enters healthy and stays that way.
People want to know that a business owner's protocols align with CDC guidelines. They may even expect the business owner to prove it.
As business leaders, we are feeling the pressure. Why should we shoulder the weight of implementing these brand new COVID-19 requirements alone?
Where can we check in with an expert authorized to help guide and confirm our decisions?
How we communicate, both when things are going well and through difficulty, is a critical part of the ongoing process of building trust. It's an art to master.
Every email, voicemail, text, and face to face (or Zoom) meeting, works to either strengthen, or weaken, our "more-fragile-than-we-think" business relationships.
Best Practice - Good News
In this unprecedented era of quarantine and stay-at-home orders, we are all certainly going through a time of difficult change and uncertainty. The changes are coming in rapidly. It’s frustrating. There’s anxiety.
That said, at one point, this storm will pass. And when it does, where will we be?
Some Winning Harvard Graduation Advice
On May 29, 2019, Professor Jonathan L. Walton, challenged Harvard's graduating class regarding "change". He said, "Change is inevitable. Growth and maturity are optional."
Change has power.