196-Point Inspection

We all check our tires, oil and wipers; but when was the last time you checked your insurance endorsements?  Just as worn tires can blow and cause a crash, misaligned insurance coverages can send your business over a financial cliff.

Your insurance policy is a contract written by, priced by and interpreted by your insurance company. Coverage gaps need to be discovered before the crash, not afterward.  I met with a Staffing Firm once that provided temps at an airport.  They were responsible by contract for the financial loss an airline suffered if their employees caused a flight to be delayed.  Do your temps or sales staff drive their own cars while on the clock?  Is your company insured if they injure someone?  How do you know?

Our 196-Point inspection will analyze the most common areas of potential economic disaster.  This is a $2,500 value, but for the month of April we are providing 10 reviews at no cost.

Message or email me to reserve your spot today.

Michael.Hrovat@HubInternational.com

Trust, but Verify... and Verify Again.

Identity theft is a growing crime.  You personal data is stored at banks, insurance companies, retailers, medical offices, government agencies, your laptop, your phone, your wallet and the list goes on.  A hundred years ago, robbery was much harder and entailed the risk of being shot in the act or hanged afterwards.  Today, the only fear to some is that of carpel tunnel syndrome from hacking away on the keyboard.

Here are a few tips...

Do not answer calls if the caller ID is blocked.

Do not confirm any personal information to anyone who calls you.

Do not store personal credit and banking info on your phone.

Shred your mail.

Do not pay at the pump with your credit card.

Pay cash in restaurants.

Do not fall for AOL, Netflix, etc. emails asking for your to update your credit card info.

If caller won't give their full name and company, hang up.

If a caller yells or threatens, hang up.

Your insurance will probably not cover you for most of the losses you can suffer from identity theft.  Sometimes the criminal is not even on the same continent.  The internet has given us the ability to earn money at the speed of light on a global basis; the money can be stolen just as fast.