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Disaster Planning for Small Businesses: Review and Update Your Business ...

24.05.10

Property Insurance

Your property insurance policy covers you for damage or theft of the physical property and equipment of your small business. If you own the physical structure of your business address, your property insurance should cover both the structure and its other assets. If you lease the space you occupy, you are responsible for insuring your personal property/contents. As a leaseholder, you need to have a contingency plan in case your landlord or your landlord's insurer is not able to promptly repair the building where your business is located.

Here are a few things you should know about your property insurance policy:

There are three types of property insurance - each covering a wider range of perils. Know which form your business has - Basic, Broad or Special - and what perils are covered. Check to see if your property will be replaced for the actual cash value (ACV) or replacement cost. ACV reimburses the cost to replace, rebuild or repair damages,

Source: PR Newswire (press release)

Small Business Insurance Policies - News

Workers are paying more for health insurance NorthJersey.com - Sep 03, 2010 table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFtmG8jFoyLTEI59L7P9fmtyY-XsAamp;url=http://www.nydailynews.com/money/2010/09/03/2010-09-03_workers_pay_14_more_for_health_insurance_in_2010_study_reveals.htmlimg src=http://nt1.ggpht.com/news/tbn/gXjKReyvyRluCM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2New York Daily News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHVYmmyQFcHiAekQRZ84w0VMdvnFgamp;url=http://www.northjersey.com/news/102129934_Health_insurance_burden_growing.htmlbWorkers are paying more for health binsurance/b/b/abr /font size=-1bfont color=#6f6f6fNorthJersey.com/font/b/fontbr /font size=-1quot;Many seem to have hit the breaking point,quot; said Christine A. Stearns, of the New Jersey Business and Industry Association, whose bsmall/b-bbusiness/b members saw b/b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFMame2POEwKqDkyCILk9ek5PrStAamp;url=http://www.dispatch.com/live/content/local_news/stories/2010/09/03/employees-insurance-burden-up-more-than-rates.html?sid%3D101Employees#39; binsurance/b burden up more than rates/afont size=-1 color=#6f6f6fnobrColumbus Dispatch/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHHIpY5slNoLYL248HQjjo70p8ViAamp;url=http://online.wsj.com/article/SB10001424052748703431604575467902840224786.html?mod%3Dgooglenews_wsjEmployers Raise Workers#39; Share of Health Costs/afont size=-1 color=#6f6f6fnobrWall Street Journal/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGTOgimci4c57hJgpI2xilCQar3cgamp;url=http://www.prnewswire.com/news-releases/family-health-premiums-rise-3-percent-to-13770-in-2010-but-workers-share-jumps-14-percent-as-firms-shift-cost-burden-102064843.htmlFamily Health Premiums Rise 3 Percent to $13770 in 2010, But Workers#39; Share b/b/afont size=-1 color=#6f6f6fnobrPR Newswire (press release)/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHRI3w1z9i1wOdyLY5EnM9efvaW-Aamp;url=http://www.kaiserhealthnews.org/Stories/2010/September/02/kff-employer-survey.aspxnobrKaiser Health News/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHQH-u1m_ocWLfJmuRyV8eoeJq1bQamp;url=http://www.nytimes.com/2010/09/03/business/03insure.html?src%3DbuslnnobrNew York Times/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFi-Lzy5IkSKto1u-XPYmmLfXRA7Aamp;url=http://www.kentucky.com/2010/09/02/1417699/workers-bear-larger-share-of-health.htmlnobrLexington Herald Leader/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?pz=1amp;ned=usamp;ncl=dubeZD79jREjbEMpfEZTgRr08hrnMnobrball 562 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

In post-health-reform US, insurance workers figure out how to fit in Salt Lake Tribune - Sep 04, 2010 table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEEzSi2s8FERrm3YjRHovrB8o73qAamp;url=http://www.sbnonline.com/Local/Article/20478/66/235/What_health_care_reform_will_mean_to_your_business.aspx?Category%3Dimg src=http://nt0.ggpht.com/news/tbn/5FsmWJ5WKvV2IM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Smart Business Network/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHjKsNf-TuOLAf1TkggPITHVTvbTQamp;url=http://www.sltrib.com/sltrib/home/50209904-76/health-utah-insurance-exchange.html.cspbIn post-health-reform US, binsurance/b workers figure out how to fit in/b/abr /font size=-1bfont color=#6f6f6fSalt Lake Tribune/font/b/fontbr /font size=-1It#39;s through these portals that millions of Americans will receive government subsidies to purchase bpolicies/b. But where some agents see a dead end, b/b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHswxoMZtCHFdV2vOh07bFBnF8UZgamp;url=http://www.medpagetoday.com/Washington-Watch/Reform/22013Growth of Employer Plans Foreseen With Health Reform/afont size=-1 color=#6f6f6fnobrMedPage Today/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFUMjduRyNlRh_xVRkSv6cmCElgaQamp;url=http://www.americanchronicle.com/articles/view/182190bSmall/b Businesses and Their Workers Will Benefit Enormously from Health Reform/afont size=-1 color=#6f6f6fnobrAmerican Chronicle/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFS4xSydJL7TpoI0SBxPhCFolwYxwamp;url=http://www.portfolio.com/views/blogs/heavy-doses/2010/09/02/studies-show-small-business-benefits-from-health-reformStudies Show bSmall Business/b Benefits From Health Reform/afont size=-1 color=#6f6f6fnobrPortfolio.com (blog)/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFGRjfFydU6MF6FpbvdzEeJhFka3Aamp;url=http://www.eurekalert.org/pub_releases/2010-09/cf-1ms083110.phpnobrEurekAlert (press release)/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFUmllGhe2rWe3fGrhjgj5-J5Dk5Aamp;url=http://thehill.com/blogs/healthwatch/other/116873-morning-healthnobrThe Hill (blog)/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNG3lV-fEnK-b-68-hwEn8BZP8gJigamp;url=http://www.ajc.com/opinion/pro-con-will-health-603066.htmlnobrAtlanta Journal Constitution/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?pz=1amp;ned=usamp;ncl=d5U7sWeLR9W4eKMcTsCIDjPPt91iMnobrball 201 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

Government Declares War On Small Business Forbes (blog) - Sep 03, 2010 table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFEBIzr1MRBXHSs_aOUQA54E5c4AAamp;url=http://blogs.forbes.com/greatspeculations/2010/09/03/government-declares-war-on-small-business/?boxes%3DHomepagechannelsbGovernment Declares War On bSmall Business/b/b/abr /font size=-1bfont color=#6f6f6fForbes (blog)/font/b/fontbr /font size=-1According to the National bBusiness/b Group on Health, the typical large bbusiness/b will see its health binsurance/b costs rise 9% next year. But for bsmall/b b/b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?pz=1amp;ned=usamp;ncl=dqLDXJtj1oMcHJMnobrband morenbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

Weekly remarks: Obama on the tough economy; Geoff Davis: 3833 pages of new ... Los Angeles Times (blog) - Sep 04, 2010 table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEKPg1uw1hhjnFncs0Gx7i6NjLvugamp;url=http://latimesblogs.latimes.com/washington/2010/09/weekly-remarks-obama.htmlbWeekly remarks: Obama on the tough economy; Geoff Davis: 3833 pages of new b/b/b/abr /font size=-1bfont color=#6f6f6fLos Angeles Times (blog)/font/b/fontbr /font size=-1Many of these mandates affect bsmall/b-bbusiness/b owners who don#39;t have the resources to hire an army of lawyers and accountants to comply with all these b/b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEAUrYJcp0uZeMMP9HB9HNs67YZHgamp;url=http://thehill.com/homenews/administration/117205-obama-bush-policies-hurt-middle-class-new-policies-help-main-stObama: Bush bpolicies/b hurt middle class, new bpolicies/b help Main St./afont size=-1 color=#6f6f6fnobrThe Hill/nobr/font/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?pz=1amp;ned=usamp;ncl=d3g5_LJEChra2FMFRpQJzZub7wcbMnobrball 14 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

Obamas call for help Politico (blog) - Sep 04, 2010 table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGQODXHYSfv9VEUA6-DkpeK4ljfDAamp;url=http://www.politico.com/news/stories/0910/41772.htmlimg src=http://nt0.ggpht.com/news/tbn/1KF5O8-xRfgnUM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Politico (blog)/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGQODXHYSfv9VEUA6-DkpeK4ljfDAamp;url=http://www.politico.com/news/stories/0910/41772.htmlbObama#39;s call for help/b/abr /font size=-1bfont color=#6f6f6fPolitico (blog)/font/b/fontbr /font size=-1Democrat bpolicies/b that burden bsmall business/b, and favor government will never work. California is evidence of that. As long as Democrats continue to use b/b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFG2LXy4vT2eE8_RA0fBetDlgSi1Aamp;url=http://www.cbsnews.com/8301-503544_162-20015617-503544.htmlObama to Focus on Economy Next Week/afont size=-1 color=#6f6f6fnobrCBS News/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFsiWxwHWpAgLG3eH7f7AeZJ3gf8wamp;url=http://biggovernment.com/oftheeising/2010/09/04/economys-message-to-washington-just-get-out-of-the-way/Economy#39;s Message to Washington: #39;Just Get Out Of The Way!#39;/afont size=-1 color=#6f6f6fnobrBig Government (blog)/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHdlGeA00VpC0K7U5DyJNMaiMjrxQamp;url=http://www.reuters.com/article/idUSTRE6824CM20100903Q+A: What options does Obama have to boost hiring?/afont size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHJo99UEgEujmQ7Uw-XXvj96_cCVAamp;url=http://in.reuters.com/article/idINIndia-51286020100904nobrReuters India/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHGcegBxmXqpWR6tdPiip0mRLEJAwamp;url=http://www.foxnews.com/politics/2010/09/04/obama-reaffirms-commitment-middle-class-families/nobrFOXNews/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHUzVE2WMdc44JBbj4_Pkflj9eqxwamp;url=http://online.wsj.com/article/SB10001424052748703882304575465462926649950.htmlnobrWall Street Journal/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?pz=1amp;ned=usamp;ncl=dojhySPykJHAIJMF81Kg_CQ5flIpMnobrball 1,706 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table