- A Note From Anne
- Are you hiring a professional who is adequately protecting you?
- Insurance Assessment
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Hello!
 No, I'm not selling insurance, however,I do want you to think about what not having the correct kind of coverage may be costing you. Part of being organized is making sure you have your business structured correctly so you can be free to provide your products and services with peace of mind. Also, when you are doing business with small business, are they adequately covered for you?
The article this week may shed some light on a subject we don't think about very often.
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Are you hiring a professional who is adequately protecting you?
 A few years ago I had a client, a dentist. He was diagnosed with ADHD, brilliant, and a classic saver of papers and stuff. It took many conversations with him before he felt he was ready to get organized, (now I wonder why I tried so hard!). Our schedules finally came together and I visited his company to provide a Miracle in a Day. My assistant and I did our magic with his office and it was truly "a miracle."
A few days later he called my office, madder than a hornet. He was convinced we had thrown out a copy of a CD that was a software product he developed worth thousands of dollars (I believe it was about $65K). This could be pretty significant and devastating to most small business organizers, as we were technically and legally on the line for a potential loss there.
I was confident that I didn't throw it out. The organization project was a team effort, including the client and my assistant. Sure, it was possible, we're human after all, that it could have been misplaced or inadvertently thrown away. I did have the peace of mind that, with liability insurance as a small business owner, I knew I was covered up to a million dollars. If the CD could not have been located, it would have been extremely unfortunate. However, with the right insurance, I was confident everyone would be taken care of. Upon my returning to his office that afternoon I was gratefully able to locate the CD. We then added the keywords to his Paper Tiger database a little differently so this confusion would not happen again. Of course, my client was quite relieved.
When you are hiring a professional, whether it's an organizer, a web designer, or other professional, always make sure that, in addition to great business skills and credentials, that they also have the liability insurance to protect your assets should there be any mistakes along the way. The tip here is that there may be a "hidden cost" to lower rates. |
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Insurance Assessment
What about your own insurance needs? Are you adequately covered?
I'm definitely not an expert here, but I can certainly share my experience with you as a tip. Many of you know I had an auto accident two years ago. I was hit at a stop light by a driver from behind. He rear-ended me and splat, crunch, and whiplash. In a second my world changed. I had a trunk full of stuff, including the CPU for my computer, my laptop was on the front seat of my car, and my head/neck flew forward and backward. The consequences initially were a crushed CPU, my business laptop flown to the floor of my car, and my health immediately at risk. And my car - which I was hoping would go another few years - was totaled.
It just seems that it's timely with everyone cutting costs right now, that I feel really drawn to speak out and share that covering yourself with adequate insurance is not the area to skimp. If you have lost a job and are not continuing on COBRA because it cost too much, that's true, but there are alternatives. Auto insurance, are you adequately covered if the other person isn't covered sufficiently? Check with your auto insurance agent to see if you are covered if a beater car totals your Mercedes (even if it was 10 years old) and causes you a lifetime of medical bills. What about your stuff? We all seem to have high-end toys, lap tops, I-Phones, Blackberry's -- are they covered should you have a loss, with identity as well as on your homeowner's policy?
Just a bit of fuel for thought. I'm personally incredibly grateful for my healthcare -- although, I know there are always ways to assess how I can improve on how efficiently I am taking care of myself there too. So please take a look at where you think you are saving money. What's the expression - being penny wise and pound foolish.
If you're curious, my favorite people in my network for needs have been Dr. Stanley Ginsburg, (my neurologist) via Shari Sullivan (healthcare provider), Mark Candler of Northwestern Mutual (for financial needs consulting), Lewis Ortiz, First Community Bank (my banker), Yolanda Duperret (my ActionCoach), and of course, Jim Leventhal, of Leventhal, Brown and Puga, (my attorney). A strong network is priceless!
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WANT TO USE THIS ARTICLE IN YOUR EZINE OR WEB SITE? You can, as long as you include this complete blurb with it: Productivty Trainer and Organizing Consultant, Anne McGurty, publishes the "Organizing Strategy" weekly ezine with 1,200+ subscribers. If you're ready to jump-start your productivity, save time, and enjoy the quality of your life at work and at home, get your FREE tips now at www.StrategizeAndOrganize.
WANT MORE INTERACTIVE CONVERSATIONS AND TIPS: See Anne's blog. |
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About Anne:
 Anne McGurty is CEO of Strategize & Organize, a company devoted to training individual's to be more effective with the tools and resources to be productive in their work environment.
If you liked today's issue, you'll love Anne's transforming productivity training and organizing products to help you organize your business -- and yourself -- ranging from productivity consulting for individuals and executives to small business coaching programs to keynote speaking and corporate training programs to improve efficiencies in the workplace and improve productivity. While Anne's best known for her expertise in productivity and expert office organizing, her clients share that her biggest impact comes from her philosophy of "personalizing her programs to fit the needs of her clients so they can streamline more efficiently with existing processes" - ensuring to create a sustainable work environment. This, Anne says, is the most important key to bringing an individual to personal freedom with time and organization. You can learn more about Anne and her services, programs, and products for small businesses at www.StrategizeAndOrganize.com. She is also a partner with Catapult Growth Partners. Catapult Growth Partners is a leading interim executive and advisory firm that specializes in providing turnaround and business revitalization services. For referrals to professionals to work with you in the residential/home enviornment, visit www.OrganizingDoctors.com. | |
Strategize & Organize
P. O. Box
Denver, Colorado 80206
(303) 778-0588
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