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Do You Know If You Are Under-Insured or Over-Insured?

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Author: Andy Thompson

  • Does your loss of income have a time deductible?

    Posted by: Andy Thompson on August 23, 2012

    Yesterday I met with a small business owner that was frustrated with a recent claim. The power was out due to a storm and her ice cream parlor restaurant was without power for 48 hours. Aside from the loss of food, there was an obvious loss of revenue, BUT since the policy they had procured had a 72-hour waiting period, they could not claim any of their loss for that portion of the claim. Some insurance policies have a first dollar / first hour clause. ALL INSURANCE POLICES ARE NOT CREATED EQUAL. As a small business owner it is you duty to partner with professional providers that will help you avoid situations like this help you business thrive!

    Next Steps:

    Let’s talk about how we can review your current insurance needs and see where there are gaps.   Click HERE to schedule a free consultation call with us!

  • Insurance and it’s 50 Shades of Grey

    Posted by: Andy Thompson on August 9, 2012

    I’ll admit it, I’m a nerd. I spend a lot of my time reviewing insurance forms, looking for exclusions, trying to find those 50 shades of grey that might get a client in trouble at claim time. So when I talk to prospects that assure me that they have “everything covered”, I usually question that assumption and ask if our firm can do an audit of their insurance program. Although “audit” is usually a bad word, our audit process is painless and most times uncovers gaps in insurance programs. The analogy we use is that if you have had the same doctor for 20 years and you are able to collect your medical records and hand them to another doctor for a 2nd opinion, you might find out that the medicine that you are taking, you no longer need to take or that with a little change in diet, you can achieve much better health. Insurance is a mundane back burner product that does not get a lot of attention, UNTIL YOU NEED IT. Take some action today and have a professional risk management firm review your personal or corporate insurance program for those pesky 50 shades of grey.

    Next Steps:

    Let’s talk about how we can review your current insurance needs and see where there are gaps.   Click HERE to schedule a free consultation call with us!

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Insurance and it's 50 Shades of Grey
Insurance and it's 50 Shades of Grey
Insurance and it's 50 Shades of Grey
Insurance and it's 50 Shades of Grey
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