The Rural Voice, 2000-01, Page 38For real peace of mind,
look for this symbol of protection.
We provide insurance protection that lets you sleep at night. That's because
the collective strength of our 50 community based mutual insurers makes us
among the most financially secure insurance networks in the world:
For you. it means friendly knowledgeable service from people who
understand your needs and provide the protection and service you want.
Germania Farmers'
MIMutual Insurance Co.
Aston
," AOntaroMu l nsuranceAssocaban 519-665-7715 or 1-800-265-3433
First Class
Cooling!
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Mueller distributors know the
ultimate measure of a
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24 Hour Service
See us at the Mueller display at the
Canadian International Farm Equipment
Show, Toronto, February 8-11
Buchanan and Hall Ltd.
615 Huron Road, Stratford, Ontario
(519) 271-4793
Toll Free 1-877-893-4628
34 THE RURAL VOICE
to 35 per cent savings. Did your
agent mention this when you
purchased coverage?
An on-site inspection will result in
a more accurate evaluation of your
assets. A common error in property
insurance is to insure the market
value of the entire property and not
just the value of assets that may need
to be replaced.
Did you agent discuss how age,
location and construction type affect
your building insurance? Other
discussions should focus around
umbrella insurance, loyalty to a
company, possibility of group
coverage and discount packages like
a small business insurance plan. Each
of these should have an effect on
your final premium.
Products:
A good company will offer an
array of products that can be used in
your situation. Should you have fleet
insurance on your four vehicles? If
you qualify, it will reduce costs for a
specific higher risk driver. Does this
company offer premium reductions if
you operate a vehicle alcohol free,
are a non-smoker, or are maintaining
good grades if you are a student?
products are available that
recognize the reduced risks by
having smoke and heat
detectors, fire extinguishers,
professionally installed utilities and
well managed assets. The company's
arrays of products will help you to
match the product you buy, with the
risk you wish to cover.
Your agent should keep you
informed as new products are
developed and offered to clients.
Competition insures that products are
continually changed to meet client
demand. When was the last time you
were informed about these
alternatives?
Price:
As a small businessperson you are
well aware of the need to get the best
"bang for your buck". Your
insurance needs probably should be
evaluated yearly, but certainly no less
than every three years to insure this
occurs.
Next time you are evaluating your
insurance requirements and
premiums, look at Service and
Product as well as Price to get the
best dea1.0