ࡱ> TVSM bjbj== $WW lZZZn    & ,naP^ ^ ^ ^ t <7K  lZWaWW^ t WR^ Zt We8"Zt R hcn  sX10a==nn  Geared for Success 3 minutes to insurance understanding Save money and cover your fatal gaps. First Pioneer Insurance Agency PO Box 941 Southern Pines, NC 28388-0941 Phone: 800-547-1495 910-944-2848 Fax: 910-944-6088 Email:agency@pioneerinsurance.com www.pioneerinsurance.com 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 Do you suffer from these 10 Deadly Traps of Business Insurance Financial fatal traps Take this quiz to find out. Is your equipment or merchandise insured while in transit, at a trade show, and anywhere else other than your regular business address? The police call you at 2 in the morning. Your windows are broken and Noah and the animals are just boarding the Ark. Will your insurance pay for the horrendous water damage and your lost income since it will be easily 4 months before youre open for business again? When you buy new equipment, a building or just remodel, do you automatically have coverage before you must report the additions to your company? Does your policy guarantee the full replacement cost of your building after you suffer an insured loss? What if you want to rebuild on another site that would be better for your business? Your business is completely shut down by fire. Does your policy continue to pay your business expenses and the profits youll lose? How about if you dont suffer a complete shutdown, but a 60% loss of business? What about if you cant get approval from the city to even start to rebuild for 8 months? Suppose there has been a building code change? You borrow a friends truck to make a delivery. Your driver slams into a bus stop and injures 4 people? Youre sued for a total of $2,600,000. Are you insured at all because it was a borrowed truck? Suppose the court awards a $2.6M judgment? Do you have full coverage for the costs to recreate your destroyed valuable papers and electronic records? Do you keep duplicate records elsewhere? You sell a product over the Internet to a firm in England. Six months later, you receive a summons of a lawsuit filed in England for damage your product did. Does your insurance cover you for lawsuits filed outside the US? An employee drives her own car to run to the store to pick up some office supplies. She loses control and rams into the corner department store causing $13,000 damage. Does your insurance policy pay the damages? Your employee is injured to the tune of $6,000 medical bills and 6 weeks off work. Who pays those bills and her lost salary? On a pleasure trip you rent a car with your business company credit card. One hour later, you lose control injuring 4 people. Do you have protection for at least $2,000,000 to pay for medical expenses, lost wages and pain and suffering of those injured? Remember that it was a rental car rented on pleasure using your business credit card. Suppose you were not in the US? Insurance is like a hospital gown. You never know if youre covered. After this quiz, if you feel like youre wearing that hospital gown, call for your checkup.   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