Flood in entrepreneur’s home could have sunk her business

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Flood in entrepreneur’s home could have sunk her business GlobeBusiness

Dan Kelly, president of the Canadian Federation of Independent Business , advises entrepreneurs to buy insurance early on and recommends they revisit their policies regularly, such as every three years. “Insurance is not something you can set and forget,” Mr. Kelly says.

To ensure owners have the right amount of coverage for their particular company – not too much or too little – Mr. Kelly suggests using an insurance broker. “You need someone in your corner who can share with you the risks you may be taking on and ensure you have proper protection,” he says.Dawn Mucci, centre, founder of Lice Squad, celebrates the grand opening of her new headquarters in Barrie, Ont., with staff and franchisees.

Business owners who belong to certain associations might have access to group coverage plans that can reduce their premiums and deductibles. For example, CFIB members can sign up for an insurance package from Northbridge Insurance that also provides certain types of free legal advice for a year.is a financial technology company that offers small-businesses group purchasing power for insurance. The company caters to the many small businesses and consumers who can’t access group insurance.

Foxquilt co-founder and chief financial officer Karim Jamal says many entrepreneurs don’t realize how quickly a flood, fire or liability case could derail their company’s growth if they don’t have proper coverage. “Small businesses are so mired in growing and making revenue that [they] tend to overlook some of the things that could disrupt the business,” Mr. Jamal says. “It’s a cliché, but having insurance is about having peace mind.”While the flood of 2010 was devastating for Ms.

 

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