ࡱ> CEB7 bjbjUU $7|7| l.8 8 8 8 L $.| | | | !######$* JxG}G| \R|  !!%rT"  p `𻧥~. 8 3d r0 ..  Geared for Success 3 minutes to insurance understanding Save money and cover your fatal gaps. The Van Wagner Group 6th Sense Proposals Performance Dynamics 1502 Michaux Road Chapel Hill, NC 27514 P: 919-929-8483 F: 919-932-6973 email:  HYPERLINK mailto:ideas2go@mindspring.com ideas2go@mindspring.com www.insuranceproposals.com 11 Easy and Common Sense Ways to Get the Best Deal on Your Insurance Your Best Deal Maintain adequate lighting throughout your business premises. Saving money on electricity just to pay it out on claims and customer bad will is a shortsighted policy. (pun intended) Keep electrical wiring, stairways, carpeting and flooring in good repair. Make each employee responsible to report any problems. Remember that customers that see shabby premises relate that image to the rest of your business. Keep only a small amount of cash on your premises. Dont tempt employees as well as bad guys in masks. Keep good records of your inventory, accounts receivable, and equipment purchases. Keep duplicate records off site. When you have a loss, you must prove the value of the damaged property. A loss causes other pressures that might cause you to cheat yourself out of money you deserve. Only hire drivers with clean records. Well order motor vehicle reports before you let a new employee behind the wheel. Then we'll help you train and certify your drivers according to the National Safety Driving Council guidelines. Take some of the risk yourself and raise your deductibles to save money. You know your financial tolerance and you know how often you suffer a loss. The money you save with higher deductibles can go to protect other risks or into your self-insurance account to enable you to continue to assume more risk and pay less premium. How much you would have earned and saved on your insurance if you had invested that money in the past 10 years? Hiring great employees is better than trying to train mediocre ones. Develop a hiring expert so you get the best possible employees. There is no substitute for hiring great employees. Have a backup plan in case a disaster strikes. Prepare for the worst. Work hard to maintain a spotless insurance image. Know what risks you must cover and what risks you want to cover; what disasters will wipe you out and which you can endure. List what would be a devastating loss, like loss of income because of illness or accident, and what would be a tolerable loss, like damage to you car. Are you protected against devastating losses? Are you in compliance with all Federal, State and local employment laws? An employee lawsuit can be one of those devastating losses in time spent, money spent and loss of morale. Since the laws governing employee benefit plans are so complex, and youre acting as a fiduciary and can be personally sued, your benefit plan decisions must be prudent and in the best interest of your employees. Do you know what your fiduciary duties are?   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