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re 16 - PORT PERRY STAR, Tuesday, October 30, 2001 "Scugog's Community Newspaper of Choice" OCOUE ELECTRIC COMPLETE ELECTRICAL SERVICE PROVIDING SERVICE IN PORT PERRY SINCE 1974 Office: 905-985-3261 ¢ Fax: 905-985-4540 Cable Television and High Speed Internet on Cable for Home and Business 905-985-8171 635 Durham Rd. #21, Utica N Loam H fond af we we See WWW. comprtorn.net WORRY FREE T.V. and we're not stopping there! What's inside home-based business insurance If you're working at home - STOP - and review your insur- ance coverage. Your homeowner's insur- ance probably doesn't cover your existing business. A typ- ical homeowner's policy pro- vides between $2,000 and $5,000 coverage for business equipment while in your home. Usually this isn't enough to cover all of your business property. In addi- tion, you will likely need cov- erage for liability and busi- ness interruption. There are three choices available when insuring your home business- I. endorsements to the homeowner's policy, 2. an in-home business policy or 3. a small business owner's package policy. Endorsements Depending on the type of business you operate, you TRUST ®) RadioShack. for your Satellite needs. Porn a f J Och Express Fi & f y LD] Sound Shop I 4BanffRd,;Unit2 Uxbridge George Smith Real Estate Law for Over 25 Years 226 Queen Street, Port Perry, Ont. LOL 1B9 T: 905-985-8405 VEILED BER Vl! may be able to add an endorsement to your existing homeowner's policy which doubles the standard limits for business equipment. Some insurance companies have begun offering endorse- ments that include property and limited business liability coverage. Endorsements are typically only available for businesses that generate less than $5,000 gross sales annually. KEN REINHARDT In-Home Business Policy The insurance industry has responded to the grow- ing number of home-based businesses by creating in- home business insurance policies. For about $250 per year, you can insure your business property for $25,000. General liability cov- erage is also included in this policy. A business owner can also purchase from $500,000 to $2 million worth of liability coverage. If your business is unable to operate because of damage to your home, your in-home business policy will cover lost income and ongo- ing expenses such as payroll for up to one year. The policy often provides limited cover- age for loss of valuable papers and records, accounts receivable, off-site business property and use of equip- ment. Business Owners Package OSPCA Seal of Approval PROFESSIONAL oo MORTGAGE BROKERS INC. Recommended by Veterinarians Over 1,000,000 happy customers Personalized Training PRIVATE Customized systems MORTGAGES Solutions Tr Challenging Situations -800- 905-985-4029 363-1396 Invisible Fence Professionally installed Lifetime warranty ng One-year, money-back guarantee Flexible Policy Created specifically for small businesses, this policy is an excellent solution if your home-based business operates in more than one location or manufactures products outside the work- place. Some home-based busi- nesses violate the conditions of your homeowner's policy, to get insurance coverage that won't overlap, conflict or leave you exposed, please check with us. One final note: If you are using your automobile for business activities -trans- porting supplies or products or visiting customers - you should make certain your auto insurance protects you from accidents while you are on business. For further information, please call | 888 ASK IBAO or visit our web site at www ibao org "Your Best Insurance Is An Insurance Broker" It's Your Move To be a part of please call Lori Bradbury at 905-985-7383 DON HARPER Sales Representative [B Port Perry 205-985-4300 Toronto Line 205-683-4039 sutton group - lifestyle real estate limited AN INDEPENDENT MEMBER BRONER 126 Water St., 2nd Floor, Port Perry, ON LOL 1BO GET SOLD ON SUTTON GROUP Robert & Carolyn Hall Sales Representatives Bus. 905 385-4300 Tor. Line 905-683-4039 Res. 905-985-7718 sutton group - lifestyle real estate limited AN INDEPENDENT MEMBER BROKER 128 Water St, 2nd Floor, Port Perry, ON LOL 189 GET OUR TEAM WORKING FOR YOU! Brian McKinlay Associate Broker Me 005 9854300 Tor. Line 905-683-4039 Res. 905-985-6726 sutton group - lifestyle real estate limited AN MNDEPENDENT MEMBER BRONER 128 Water St, 2nd Floor, Port Perry, ON LOL 1B9