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COST EFFECTIVE LEGAL DEFENSE TO PROTECT YOUR BUSINESS
It's no secret that insurance companies hire from among the best attorneys available, and those attorneys defend you when you get into a legal incident covered by a liability policy that you have secured. But you might ask these two questions: Is it still cost effective to get such legal defense through an insurance policy and what policies does a business need to secure to get the best legal guns to defend themselves in a given situation?
If you get an attorney demand letter or any kind of notice of legal action, who do you call? Well you can always call an attorney who might be a friend, has done a trust for you, or might have put together some contracts for you, but would they be the best litigation attorney for you if it came to that? Keep in mind the plaintiff will probably...
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Greetings!
Happy New Year!
 There's something about turning a fresh calendar page that lends itself to new beginnings. For some, it means beginning a new budget. Many make resolutions. Others take this time of year to clean out their homes, getting rid of the clutter and making room for whatever treasures the New Year will bring.
It also seems (to me) a great time to take a look at your insurance program and see if there are any changes that should be made to ensure your business is protected. In a perfect world, you would call us as soon as you get that new car, or see a spike in your sales... but we know that this is not a perfect world, and that life can often get in the way. For this reason, we think that an annual insurance audit is an essential component of your fiscal planning. It ensures that you have paid the appropriate premium for your particular exposures (payroll, receipts or sales, units, number of employees or contract cost), and that you have the coverage necessary for the work you perform.
Typically, we try and connect with you prior to the renewal date of your policy so that we can make sure the new policy comes in with accurate figures, but in case we haven't, and you notice some significant changes in your business, the start of a new year is a good time to re-evaluate your needs and make adjustments if necessary. Feel free to give us a call any time to discuss questions you might have. We'll be happy for the opportunity to chat with you about your current insurance program and see if there are ways we can serve you even better in the coming year.
Here's wishing you and yours a spectacular 2012, full of growth and prosperity!
Dave Mason, CIC
Mason & Mason Insurance
M&M Assurance Group
P.S. Looking to connect? Check out our new blog! You can also find us on facebook... and don't forget about our website at www.mmins.com. Let us know what you think!
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Why Background Checks are Essential for All Employers
With more jobs becoming available today, there is a major problem presenting itself for employers. Employees who are applying for jobs are lying about important aspects of their lives. In most cases, the truth may be a disqualifying factor. To avoid the hassle of hiring an unfit employee, it's important to conduct a background check.
Background Check Result Statistics. According to the ADP's 2009 Hiring Index, 46% of 1.7 million applicants reviewed had discrepancies in their resume's employment, credentials, education or reference checks sections. In addition to this, 37% of applicants had traffic violations or convictions, and 6% had criminal charges within the past seven years. While not all applicants lie about convictions, others may fabricate details that make them look more appealing. This practice, which is commonly called resume padding, is a method used by people who ...
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Plan Now for the Disaster that Will Hit Your Business
Disaster can strike a business in a multitude of ways. Businesses located near the coast from Texas to Maine are highly susceptible to hurricane damage. Fires and explosions can devastate buildings regardless of where they're located. A building need not be the target of a terrorist attack to feel its effects, as many business owners discovered after the September 11 attacks. After a catastrophic event, evaluating the damage to the facilities quickly and accurately is essential for both insurance recovery purposes and for getting back into operation as soon as possible.
The business must do much of the important work before the disaster occurs. Identifying the facilities and equipment at risk is the first step. For a small business with one or two locations, this may be obvious; for a larger business with operations in many states and localities, the question may be more complex. Some locations may be in earthquake-prone areas, while others may be relatively safe from natural disasters. Such businesses must evaluate the worst-case scenario for any one event and plan around that.
Businesses must also address the question of...
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Thank you for taking the time to read this month's newsletter! Remember, your feedback helps shape future issues. We value your input, so please...let us know what you think! Have a great month!
Sincerely,
David Mason, CIC
President
Mason and Mason Insurance
M&M Assurance Group |
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Mason & Mason Insurance M&M Assurance Group
458 South Avenue 3304 White Mountain Hwy
Whitman, MA 02382 North Conway, NH 03860
T (800) 759-1452 T (800) 298-0802
F (781) 447-2832 F (603) 356-9290
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