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vrite- trai shopping centre- t o i efil th brio trail htghway no 7 economist sun the tribune the insurers hwmt fnatm lac 4461 no 7 hwy unionville insurance for home life auto business 4775000 third section 29422006402100 wednesday july 3 1985 insurance important to every business by john kane business insurance how much and what kind is needed is one of the most complex yet one of the most important aspects of management for the independent business person a loss of even a small portion of a businesses assets can eventually result in bankruptcy one study showed that 42 per cent of businesses hit by fire never reopened there are many types of insurance avail able and choosing the ones that are right for you depends completely upon the na ture of your enterprise however there are certain types of insurance which nearly ev ery business can use these include allperils coverage most insurance ex perts agree that a business should have this type of protection against damage of its physical assets it usually provides the broadest coverage at the most reasonable price however despite its name allperils coverage does have exclusions you should make sure that you are fully aware of what these exclusions are replacement cost coverage many busi ness people do not realize that without this type of policy they will be paid for a loss according to depreciated value replace ment cost coverage on your fixtures machinery tenants improvements and buildings is important to make sure that your assets are replaced at current re placement values if you suffer a loss re placing your buildings however may be hampered by new zoning or minimum con struction standard bylaws which were not in effect when the original buildng was erected bylaw insurance is available to cover such events and can be important to business located in urban areas where building requirements have changed since original construction liability insurance insurance experts agree that even a very small business should carry minimum uability insurance of at least 1 million this coverage on a comprehensive basis should include your premises and operations and also your liability for losses resultng from products and personal injury busness interruption insurance this type of insurance is one which very few businesses can afford to be without propr- ty insurance wll cover the cost of replacing your assets but if your business operations are stopped or even impaired while such replacement is taking place the loss of earnings will likely be much greater than the cost of the property damage there are several types of business in terruption insurance basic plans cover loss of expected net profits and your ex penses such as key employee salaries in terest and mortgage payments taxes uti lities and professional fees until youre back in business you can purchase plans which will cover the cost of emergency pre mises and staff needed to remain in busi ness while repairs are being completed while other plans cover your company until profits return to preloss levels this may be especially important if you own a ser viceoriented business where your cus tomers might be forced to go to the com petition until youre back in opration with any type of business interuption insurance claim the policy holder has a responsibil ity to take acton to get the business back on its feet as soon as possible otherwise the claim setttlement could be reduced among the other types of insurance that your business may need is coverage for vehicles computers plate glass boilers and machinery valuable papers as well as protection against employee dishonesty power loss and spoilage many businesses opt for package insurance plans which usually provide a wider range of coverage at a cheaper cost than a combination of individual policies these packages can often be tailored to protection against cer tain losses which may be peculiar to your line of business one of the most important steps in choosng the insurance thats right for your business is to use the services of an insur ance broker he or she represents a num ber of insurance carriers and will be able to help you select the most appropriate cover age at the best price for your firm you should ask your lawyer accountant and business colleagues for referrals to some good experienced brokers then shop around for one with whom you feel most comfortable and who will best be able to understand and handle your requirements editors note john kane ca is a resi dent of markham and a partner in the toronto office of thorne riddell rv r standishis sensational sought after court beckons you to 4 bedrooms 13 baths greenhouse kitchen with cupboards galore centre island a 22 must sell poq s houghton 2942533 116500 perfect bungalow in sherwood estatesll 3 bed rooms 3 baths ensuite tool cus tom oak cupboards and pegged oak floors in kitchen lot botannic- al gardensll sylvia houghton 294- 2533 07 149500 designed with mothers in mind beautiful fenced garden and deck backing on parkl simply loaded and beautiful susan hall 2942533 013 152700 for tykes on trikes 2 storey 4 bedrooms main floor family room with fireplace some appliances private garden jan frisby 2942533 019 11110 need lots of space heres the place brick 5 bedroom bungalow with huge family room large eatin kitchen spacious bed rooms jennie cook 2942533 025 133500 prestigious unionville 3 1 bedrooms family room with fireplace and walkout private yard on quiet court call linda keayglenys dixon 4772533 157700 armour real estate inc member broker realtor there has never been a better time to own this precious centre hall plan3 1 bedrooms backspliton 150 lot fenced too 22 family with fireplace must sell pdq s houghton 2942533 119800 1 m jfbsik b rj ieh ji1i1i let your tots swim in your own backyard 4 level sidesplit walk to schools and ten nis main floor family and fire place eatin kitchen must sell pdo sylvia houghton 2942533 122450 d0n7 support your landlord own mel 4 large bedrooms 2 baths end unit tool private fenced yard spacious living din ing andwalk to all schools s houghton 2942533 79000 im not a house im a home 4 bedrooms 3 baths main floor family dream kitchen 2 fireplaces rec room that the ball team will love cant go wrong sylvia houghton 2942533 149500 a limited edition not 136600 reduced to sell sought after 3 bedroom 3 baths sunken living and solarium win dow family room with rustic open brick fireplacemesmeriz- ing s houghton 2942533 08 ive got all the bells whistles centre hall plan 4 bedrooms 3 baths custom kitchen family and fireplace finished basement too that is a dream sylvia houghton 2942533 09 156600 buy land herelam219 lot room for tennis court and pool 4 bedrooms 3 baths family room fireplace in law apartment potential dream kitchen must sell pdq s houghton 2942533 10 146000 trees are a many splendid thingl prime sought after court brags of 4 large bedrooms 3 baths sunken family with fireplace and walkout to privacy walk to schooll s houghton 2942533 011 13710 a friendly house fenced yard big deck beautifully cared fori professionally deco rated quality a losusan hall 2942533 014 147700 15 m acres of paradisei wooded setting 5 min to 404 oversized bungalow big rooms fabulous homes and gardens de cor susan hallj frisby 2342533 015 rich as a country dream beautiful with plenty of space for big sofas and chairs 12 acres with pond warden belhesda s hallj frisby 2942533 016 299000 just listed markham village spacious ing- round pool ceramic floors central air conditioning separate dining room best buy barbara raffens- perger 2942533 017 1470 away from noise distinctive design our bedrooms minutes from ballantrae the cook will love the kitchen trees and 10 acres jan frisby 2942533 020 just listed in scarborough 141500 4 bed room home family room floor to ceiling fireplace immaculate neutral decor l durrantr wilson 2942533 021 141500 big beautiful affordable 4 bedrooms den family room brick fireplace humungous kitch en cupboards galore trees too l durrant 2942533 022 1510 mmmmitsbsss open house sun july 7 24 61 roseway markham spread out in this 5 bedroomed spacious home overlooking park penny hughes 2942533 023 1520 magic n beauty abound in 3 bedroom bacuplit main floor family room fire place deep treed lot potential 4th bedroom jennie cookdon hamilton 2942533 026 1220 only thing missing is you 4 bedroom family room fireplace finished basement central air ing- round pool 150ft yard gorgeous jennie cook 2342533 027 1690 featuring large lot quiet street new custom windows throughout hardwood floors large deck off kitchen good value norma urquhart 2942533 028 990 newly renovated older home main st stouffville 3 bedrooms large living and dining rooms very deep lot owner anxious to sell norma urquhart 2942533 029 83900 ilu unionvuie spacious 4 bedroom greenhouse kitchen family room fireplace fenced landscaped walk to schools main street suri rapp 4772533 1590 price is only one feature 4 bedroom home on desired street 170 ft deep lot main floor family room and laundry room nancy ethierdennij cribari 477- 2533 1690 waiting solves nothing give up renting and start with a 3 bedroom 2 storey home on a 143 ft deep lot call now lynda keay glenys dixon 4772533 850 best mortgage rate in town 8m carries this 3 bedroom ifr bath home for 618 month pit handy to shopping and trains alan lets 4772533 101000 prestigious and pretty tis me 4 bedrooms sitting area off master combined living and dining country kitchen main floor family and open brick fireplace 2 walkouts court too s houghton 2942533 06 1490 a peachy delight 3 bedroom bungalow sparkles with personality wonderful lot in good area trees susan hall 294- 2533 012 113000 open house 15 ridgevale dr sunjuly724 1 acres custom bungalow open concept hanover kitchen call barbara raffensperger 2942533 018 2940 e magnificent opulent gorgeus 3000 sqft mar kham home ceramics 138 ft lot eatin kitchen separate livingdin ing rooms call jennie cookdon hamilton 2942533 024 1860 check this for value detached 3 bedrooms walkout from dining eatin kitchen double garage large yard with fruit trees 97500 sozanna maya 2942533 030 970 what do you want in a house this one has upgraded kitchen 4 lie ensuite central vac super gar den and 8 mortgage and more alan laes 4772533 1100 markham office unionville office 4772533