Insurance Insider Reveals
the Secrets of Effective, Comprehensive Protection: What You as a Contractor Can --
and Must -- Do to Shield Your Business from Financial
Disaster
and
Give You Peace of Mind that the Company Will Continue
to Operate and Generate Revenue!
By Mark Staley
If you are like most people in
business, your company is, next to your family,
your pride
and joy. It is also the major source of financial
security for you and your family -- your greatest
asset.
In many ways, your business is your life.
It’s your kids’ birthdays, their braces,
your family vacation. It’s your house, your
yard, your future. Some day, it’s
your retirement.
Potential Disasters Are Always Present
Your business is also, unfortunately, your greatest
liability. Your business faces no shortage of potential
disasters: accidents, vandalism, problems dealing
with subcontractors, shoddy workmanship, unreasonable
deadlines. You could probably fill the rest of
this page with horror stories you’ve
heard or, worse, experienced. There literally isn’t enough time in the day
to worry about all the things that could go wrong,
which is hardly a recipe for peace of mind. But you
can have peace of mind. Reading this report is the
first, big step to that end.
Why?
Because I, as a longtime insurance industry insider,
am going to share with you my secrets of peace of
mind and business protection. These secrets are little-known
outside of the insurance industry, but they constitute
information that no responsible business owner should
be without.
I want to share this information with you because
I know peace of mind is so important. I am willing
-- actually, I’m excited -- to reveal to you
the secrets about insurance. Secrets
that ensure your business has all the protection
it needs.
Why would I just give these secrets away? Because
it’s just as good for my business as it is
for you. I want to let you in on the knowledge I
have accumulated as an insurance industry professional
and insider. I want to do this because I have found,
time and time again, that generosity and the willingness
to provide really great service come back to me.
Tenfold. In fact, that’s how I have built my
business.
What if Disaster Strikes -- Are You Covered?
But enough about me. This report is about your
business, the risks it faces and how an insurance
program can
be designed to cover most, or even all, of these
risks. First, start by imagining a disaster. One day,
you get to a work site -- the first one there as
usual.
The second you step on the property, you sense something
is wrong. The giant living room window -- the centerpiece
of the design of the front of the house -- has been
broken, apparently by people who used it as an entrance
point. There are beer cans all over the living room
floor, but that’s hardly the worst of the vandalism.
The hardwood floor is scratched, stained and basically
a mess. There’s glass all over the house because
most of the windows have been broken. You head upstairs
to more disaster. The finished drywall in the master
bedroom is badly damaged. The tub in the master bathroom
looks like it was the scene of a fencing match. You
stop counting the number of scratches when you get
past the teens.
This house was scheduled to be finished
in a matter of a week or two. Now you’re
looking at many months, maybe more, before this
job will be completed.
Insurance Program Must Cover Worst Case
What do you do, besides panic? Fortunately, this
isn’t reality. Not yet, anyway. It is a hypothetical
situation. But imagine if it did occur. Would
your insurance program cover the additional costs
you
will incur? The material? The labor? What about lost
time? What about those other jobs you’ve bid
on and were scheduled to start fairly soon? You’re
looking at lost revenue on one hand and the possibly
of a lawsuit on the other. What do you tell this
family, who had planned to move into their dream
house by the end of the month?
You need insurance to cover anything
that can hamper your business and endanger your
revenue
stream. Anything
less than that is not adequate. So
how do you get adequate coverage? How can you know
all
the risks
you face that could hamper your business?
You keep reading this report.
Peace of Mind in Four Easy Steps
I’ve been working with contractors for a long
time, and I’ve heard every horror story imaginable.
If they were my clients, we were able to
take care of their problems. Quickly and easily.
Why? Because
we were prepared. In this report, I will
tell you how to be prepared. I will tell you how
to get peace
of mind. It’s just four steps away.
1. Design a disaster recovery plan for your company.
Insurance can’t cover everything, and all coverages
have limitations. So you need a plan that allows
you to get the business back up and running as quickly
as possible. If you don’t feel you have the
expertise to design this plan, there are plenty
of professionals out there who can do it for you.
For this recovery plan to be effective, you need
to do the following:
- Make duplicate records of both computerized
and written documents.
- Identify the critical business activities
and the resources needed to support them.
- Compile lists of important phone numbers
and addresses, including those of local and
state
emergency management
agencies, major clients, suppliers,
your bank, your insurance agent and claim representatives
for your
insurance companies, as well as phone
numbers
and addresses for your staff. These lists
should be
kept off-premises, perhaps in a safe
deposit box.
2. Have a business insurance specialist conduct
a risk analysis of your company and its operations.
No two companies are the same, even two that are
in the same business. No contractor does exactly
what you do. You build unique structures, and such
construction entails unique risks.
You need an expert to assess your company and
the specific risks it faces -- and put together
a comprehensive
insurance plan to protect you.
3. Use an independent
insurance agent.
As a business owner, you want as many options as
there are available for your insurance program.
As such, you don’t want an agent who is an
employee of an insurance company. Or an agent whose
paycheck
is tied to just one company. You want someone who
will work for YOU. You want someone who has
access to a variety of insurance companies, a variety
of
programs. You want someone who can compare price
and coverage options. Someone who can get the most
comprehensive coverage for you, possibly with several
insurers that will each provide a piece of your program.
There’s only one type of
insurance agent who can do all of this
for you. An independent
agent.
4. Don’t trust the financial
protection of your business to an insurance
agent who
does not
specialize in contractors.
Don’t trust the future of your business to
someone who does not have a comprehensive understanding
of the special problems contractors such as you face
every day. A specialist? Absolutely. Look, insurance
is a huge industry. There’s insurance for
everything. (You want alien abduction insurance?
You can buy
it.) And nobody can specialize in all of it.
In fact, a professional independent agent
can specialize in only a few niches --
and really understand them.
I do. I’ve studied the insurance market
for contractors in our community for years.
I know:
- Which insurers offer the most
comprehensive coverage and the best rates for
contractors.
- Which insurance companies to turn
to for a contractor’s
specialized coverage needs -- and, believe
me, you do have very special needs.
- And which insurers provide the best claim
service.
No Charge, No Obligation
I will give you this information for FREE.
No charge. No obligation. I do this because
I’ve built
my business on my reputation. I never hard-sell insurance.
I’m in the service business. The better service
I provide, the better it is for all of us. My clients stay with me because of my service
-- and they refer me to their family and friends.
I believe I serve the insurance needs of
contractors in our community better than anyone
in this area
-- in any profession. I believe this because
I spend a lot of time with my clients, determining
their
needs, their level of risk, and finding the
perfect insurance program for them.
So if you want to protect your business,
and your future, from a crisis or catastrophe,
call my office.
My staff and I will be glad to help. |