SBI Session 4 -
The DVD is Available!

"It’s all about Protection, Covering your Assets and Managing Risks" will be presented on December 12, 2007.  The topics and presenters for Session 4 are:

 Why do you need Insurance? - Presented by Derek Gromko, Agent, State Farm Insurance
- Why do you need to analyze your insurance needs
- What does the law require

 What are my risks?
- Owning vs. renting  (equipment/buildings)
- Business vs. Personal / Home property
- Customer Liability
- Employee injuries (workers comp)
- Professional Liability (e&o)
- Seasonal flex
- Risk Management

 Examples of Small Business Insurance Models
- LLC: Protecting my personal assets
- Liability Umbrella - Separation of Business & Personal Assets

 Buying Insurance
- avoid phone quotes
- every business is different
- limits & deductibles
- compare coverage & service - not price
- understand exclusions
- Small Business Claims Process
- Life Insurance for Partnerships

 Bongiovanni Insurance and Investments will discuss the Health and Medical Insurance plans
- Medical - Self, family, employees,
- Cobra,
- Dental,
- Employee participation,
- Section 125 - cafeteria plans, FSA,
- Group plans vs. individual plans
- Benefits of an Health Savings Account

Many more details will follow...Program is subject to change.