Do You Know What Is Covered By Your Homeowners’ Insurance?

Posted by on Sep 25, 2014 in Blog, Business

Before you commit to buying homeowners insurance, it is important to find out exactly what the policy covers. Most homeowners may think that they are covered for home repairs or replacement after a natural disaster or damage caused by theft, but that isn’t necessarily true. Here’s a list of what typical homeowners’ insurance policies can covers. Damage to the inside and outside of your home caused by fires, hurricanes, vandalism, or theft. Your policy will also cover the cost of a hotel or house rental while your home is being repaired. Loss or damage of personal property due to theft, fires or other covered disasters. However, there is a monetary limit for coverage on personal property. Personal liability for injuries sustained on your property. Whether someone slips and falls on your icy sidewalk or your dog bites someone, they can file a claim against you to be compensated for medical expenses. What isn’t Covered by Insurance It is important to note what isn’t covered by a homeowner’s insurance policy so you are not caught unaware when an emergency strikes. Most homeowners’ insurance policies do not cover damage caused by flooding or earthquakes. If you live in a flood plain or in an area that is prone to earthquakes, you will need to look into additional coverage for your home. People who work from home may be surprised to find out that their business equipment is not covered by their homeowners insurance. If you do work from home, you will need to notify a insurance broker in your area so you can add coverage for your equipment and information in event of a fire, tornado or other damage. Know the Limits Although the loss or damage to personal property is covered by homeowners insurance, there are limits to the coverage. Usually, the coverage for personal possessions about 50% to 70% of the insurance policy’s value. Therefore, if your home is insured for $350,000, the coverage for loss or damage to your possessions would be approximately $175,000 to $245,000. If you have valuable jewelry, art or other possessions, you will want to inquire about getting additional coverage on those items. A separate floater policy can be written to help insure your items for their full appraised value. It is important to know what your homeowners insurance covers to prevent unpleasant surprises. For a few dollars more each month, you may be able to add coverage to fully insure your home and its...

Read More »

Three Types Of Trade Show Signage That Make Your Sales Booth Display Stand Out

Posted by on Sep 24, 2014 in Blog, Business

Are you looking for ways to attract attention to your trade show booth? Start with these three types of creative signage and you are well on the way to getting noticed. Each one offers a unique way to display your logo and company message, inviting people to stop on by. Enlisting the services of a display sign professional will maximize your efforts. Table Top Displays Table top displays are perfect for small booths or where you have lots of promos and giveaways taking up space. The frame and panels are transported in their own carrying case and are easily assembled onsite. Your colours on these should be bold, the logo clearly visible and the lettering easy to read from a distance. You may have room for only a slogan, but that’s OK. You can have brochures and other goodies for attendees once they’ve made it to your booth. Pop-Up Displays Pop-up displays provide a backdrop for your sales booth. These displays are printed on rolls and transported in protective roller covers, similar to poster mailers. Once onsite, the display is unrolled. It can cover all or part of your display area. Many hotel and resort owners use this space to show panoramic views of their properties. Companies also use this back panel for oversized views of their logo or product.  One of the most popular pop-up display is the three-sided model. This has one large back panel for the back of your display and two smaller side panels that can be placed at an angle, framing your sales booth. This gives you much more space to provide easily readable information for those passing by. 3-D Displays 3-D booth displays keep you from being lost in the crowd. They work particularly well at large trade shows that sometimes take up entire convention centres. A popular idea is to use giant inflatable balloons. Think what your space would look like if you had an oversized inflatable blimp, hot air balloon or even a giant dollar sign floating above your booth. Order some regular sized balloons as gifts for passing attendees. Inflate them with helium and your message will be carried throughout the trade show. An advantage to the large balloon display is that it can be inflated and deflated on site, allowing you to transport the empty balloon flat and folded. No matter what size your booth is you can always find the perfect signage from places like Goodkey Show Services Ltd for your...

Read More »

Choosing The Right Pest Service For Your Business

Posted by on Sep 24, 2014 in Blog, Business

Insects, rodents and birds are the common pests that infest most businesses. Insects crawl into spaces and damage wiring. Others damage important documents of your business. If rodents and bird die in hidden spaces, they are bound produce bad odor. A bad smell at your place of work will discourage investors and business partners. How then can you choose the best pest control service? Get a professional help. Before you decide on who should handle your pest menace, it is advisable to seek the help of a professional. You will be in a better position to understand who to hire and what services will be delivered. Consulting pest control services should not take long. The longer the condition remains untreated the more the pests will multiply. Your business will be at a bigger risk if pest control is delayed. The threats include venomous bites, stings or contagious diseases that may be passed to your staff or customers. Such cases might tarnish the image of your business. It is important to always be careful of what other people say about your business. List your options. There are several services you can choose from to eradicate pests from your business. It is advisable to have them beforehand then choose the most appropriate. Here are some: Environmentally up-to-date materials that will get rid of the pests A management system that is continuous and serviced regularly. In this system, there is always a money-back guarantee Elimination of all the nesting areas and the prevention of other possible colonies. Ask questions. The best way to choose pest control services you will never regret is by asking questions. Here are the important questions you can ask. Do you belong to any association? What equipment will you use to treat my property?  What training have you been part of with regards to pest control? How often will you treat my business? Do you have certificates to show you have been certified by the Department of Agriculture? What types of pests are you experienced in handling? Meet the service providers If you are convinced that the group of pest control service providers you intend to hire are competent and honest, the final step is to invite them into your business. You can then ask for specific proposals and have them in writing. This gives you the assurance you need and lets you know the budget of the...

Read More »

Learn How To Distress Furniture To Add Character To A Room

Posted by on Sep 24, 2014 in Blog, Business

If you have become bored with the way your bedroom looks and want to create a new fresh look, but don’t have a huge budget to work with, consider distressing your furniture. Giving furniture a distressed look costs very little and adds tons of personality. Distressed furniture has a country feel that creates a distinct look in any room. Below is a guide for distressing a dresser in just a few short hours. Supplies You’ll Need  A Sheet Two Paintbrushes Chalk Paint (Any Color Will Work) A Screwdriver 180-Grit Sandpaper Liquid Furniture Wax Prepare the Dresser Lay the sheet flat on the ground and place the dresser over it. The sheet will catch any paint drips to protect your floor from being damaged. Remove the drawers from the dresser and use the screwdriver to remove the knobs or handles from the drawers. Paint the Dresser and Drawers Apply an even coat of paint to the front, sides, and top of the dresser. Paint the fronts of the dresser drawers, as well. Wait a few hours and paint the entire dresser again. Wait a few more hours and then determine if the original finish of the dresser if visible through the paint or if the color you want has been created. The chalk paint doesn’t have a shine to it, making it ideal for creating a distressed look. Distress the Paint Use the sandpaper to sand the edges and corners of the dresser. When you are distressing the fronts of the drawers, go around any woodworking carefully to make sure that you distress the wood, without damaging any details in the design. Protect the Dresser Use the second paintbrush to apply a thin coat of wax to the entire dresser and the dresser drawers. You want the coat of wax to be thin to ensure that it dries evenly and does not clump in one area more than another area. The wax creates a protective barrier so you do not have to worry about the paint being damaged accidentally. Allow the wax to dry overnight and replace the knobs on the front of the dressers drawers. You can then put the dresser back together and position it wherever you want in the room.   Once you have given your dresser a distressed look, you can do the other pieces of furniture in your room to create uniformity. The paint will stay in place for years to ensure that you are able to enjoy your new look for as long as you choose....

Read More »

Reasonable And Unreasonable Ways To Lower Your Car Insurance Payments

Posted by on Sep 24, 2014 in Blog, Business

The Internet is full of advice about how to lower your car insurance payments, but some of the recommendations on offer are simply impossible for most drivers to implement. Here are a few examples of reasonable and unreasonable ways to keep your premiums down.  Reasonable Bundle your insurance policies. Many private insurance companies offer a discount on auto insurance of 10 to 20 percent if you also purchase another form of insurance, like homeowner’s.  Unreasonable Move to another city or province. Is it reasonable to relocate in order to save a few dollars on car insurance? Probably not. Though living in a less populated area with lower crime rates and a better economy might reduce your premiums, you can find other ways to save without uprooting your whole life.  Reasonable Shop around with an insurance broker at Spriggs Insurance Brokers Limited. Brokers are trained to factor in every personal variable in order to find the insurance policy that’s right for you and your family. They can use your driving history, your marital status, and even your credit score to bargain down insurance rates. They can also explain how your coverage works and how high your deductible should be so you can feel protected at all times.   Unreasonable Become a politician. Unless you already have dreams of becoming a finance minister or another government official, don’t become a politician just so you can influence car insurance legislation. Though the Ontario government is currently working to lower auto insurance premiums by 15 percent, you may be better off writing a strongly worded letter to your local representatives rather than changing careers.  Reasonable Accessorize your car to maximize discounts. Certain auto insurance firms offer discounts for cars with winter snow tires, a GPS, or an anti-theft device installed. If you have a hybrid car, you may also be eligible for a discount.  Unreasonable Stop driving, or drive a jalopy. To save on car insurance, you don’t need to quit driving and you don’t need to trade in your Mercedes for a rusted hunk of metal. Though these sacrifices might translate into big savings on insurance, the damage to your quality of life probably isn’t worth it.  The most reasonable recipe for lowering your car insurance premiums is actually quite simple: do your best to minimize your risk factors and keep a clean driving record. But if that strikes you as too boring, you can always become a jalopy-driving, farm-living, married NDP...

Read More »