BUSINESS INCOME - EXTRA EXPENSE Dear (Customer Name): If your business is shut down by a fire or other disaster, you want two things: to lose as little money as possible, and to get back to business...

BUSINESS INCOME - MASS MAILER Dear (Customer Name): HAVING FIRE INSURANCE MAY NOT BE ENOUGH! Fifty percent of the small businesses that close down because of major property damage never o...

The proper insurance is a crucial element of disaster planning. Adequate insurance will greatly reduce the financial cost...

BUSINESS LIFE INSURANCE THE MORE YOU HAVE, THE MORE YOU STAND TO LOSE Dear (Customer Name): THE PROBLEM ... ... The more successful your business, the more you or your family...

BUSINESS PERSONAL PROPERTY COULD YOU DO BUSINESS WITH JUST FOUR WALLS? Dear (Customer Name): Of course you couldn't. In order to do business you need equipment, furniture, fixtures, supplies - the...

BUSINESS PLANNING WORKBOOK by Michael Manes Introduction Planning is a commitment to move your organization from where it is to where it needs to be. ...

Stephen Covey wrote a seminal book on how to run your life and your business, The Seven Habits of Highly Effective People. It’s a must read to fully understand the concepts of this article. Once you've read the book read it again at least once every quarter until you've absorbed these ideas into your psyche and are living those seven habits. One of the seminal habits is “Begin with the end in Mind”. However, an even more important principle of life and business is always do what’s right for the end user.

BUYING A BOOK OF BUSINESS by Richard Bergsund During the past nine years our executive search firm has been involved in a substantial number of assignments to find superior performers for internatio...

CALCULATING AGENCY VALUE by Roy Phillips When buying or selling an agency, be sure the price is right: base the value on projected pre-tax profit and an expert's opinion. ...

Many readers have been asking me for scripts that cover the first phone call to a new referral prospect. Obviously, this first call will vary greatly for a number of reasons: The nature of your business, the circumstances of the referral, and whether or not your client introduced you in some way — just to name a few.