Get Home-Based Business Insurance Quote and Win $2500 with Kanetix

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Every year here in Canada more people are becoming entrepreneurs. I love seeing the growth in entrepreneurship in Canada, but with that growth comes the need for a few things.  For those of who are moms there needs to be a work-life balance. There also needs to be an understanding of what is important and the risks involved.  In today’s work business environment, you want to consider everything especially when you are starting out.

Earlier this year, I attended the Mompreneurs Conference here in Toronto.  As a small business woman, I love this conference every year. We talk a lot about the need for a work-life balance while there. It is key if you have a family and have a business.  One of the key sponsors was TRUSHIELD who I was introduced to at the conference. They are a great insurance company for us small business owners.  On their blog, they have a great post on keeping a work-life balance. Check it out here.

One of the things I realized while I was at the conference was how uncovered I was as a small business woman. I was taking risks that I did not need to be taking. For small business owners, we not only have to be looking at how to grow our companies but the risks involved in running them. We need our commercial insurance. Did you know your home insurance does not cover your home-based business?

When you own a business and operate it from your home, you need to look at having home based business insurance.  Now Kanetix (one of my favourite insurance comparison sites) is a great place to get a quote if you are considering home-based business insurance.

There is an advantage when you get a quote as well right now. Kanetix is running a contest. When you get a home-based business insurance quote, you are entered to win $2500.00

Let me know if you are a home-based business owner and if you carry commercial insurance. If you don’t, you really should and don’t forget to enter the Kanetix contest.

car insurance

5 Add-On Car Insurance Coverages That Are Totally Worth It

car insurance

If you’ve ever made an auto insurance claim, then you already know what can be a pain and what services or coverages you may never use in your entire life. If you are shopping for quotes or just reviewing your policy with your current insurance company, make sure you look to see if you have any of the following coverages. While they might not seem like much more than bells and whistles, if you have any of the following, you could save yourself some serious cash in the long run.

Glass Replacement

Glass replacement can seem like a small perk until you have to replace your first windshield. A crack in your windshield can start to spread and eventually go across your windshield before you know it. According to the Los Angeles Times, there are 253 million cars and trucks on U.S. roadways, with an average age of 11.4 years; it’s only a matter of time before debris from one of them flies off and hits your windshield.

Rental Reimbursement

Accidents happen, and that’s why rental reimbursement coverage is one of the best things you can have. Rental reimbursement coverage is the same concept as having auto insurance in the first place: to protect you after an unfortunate event. If you were involved in an auto accident and suddenly didn’t have a car for a few weeks or month, how would you carry out your day-to-day functions. If you’re still skeptical, work out the numbers with free car insurance quotes and how much it’d cost to rent a car on your own.

Roadside Assistance

When you consider people who get stuck on the road, then you are thinking about all of those individuals who are stranded and just don’t know what to do. Who do you call, where do you go, and what is the best option? This is all assuming you even have time to think and aren’t on your way to work or that you won’t be late for an important event. As The Telegraph states, roughly one in three cars will break down over the course of a year. Obviously this can vary and it is only an estimate, but wouldn’t you like to be covered and have a plan in case your car is one of those three?

Accident Forgiveness/Waived Deductible

Accident forgiveness is one of those coverages that no one claims they need until they actually get into an accident. Not only can your rates increase if you wind up getting into a collision, but if you have to pay a major deductible of $500, $1,000, or even more than that, then having this coverage on hand can be a life saver. It’s important to protect your wallet, and instead of paying your bill, you could be in a great position with a coverage that gives you at least one do-over.

Towing

While this can sometimes be bundled in as a service with roadside assistance coverage, there are many reasons why you might want to have this one or at least be sure it is included in with a roadside assistance rider or endorsement. Towing means that even if your car won’t start or can’t move, someone will hook you up and take you to a repair station. If you are in an area that gets significant snowfall, or if you happen to be in an area where you travel several miles between locations, then towing coverage can most definitely be something that you need to have and will pay for itself in convenience the first time you ever need to use it.

Your car insurance needs to be all about you. After all, the whole point of insurance is that you pay money to protect against potential problems. Whatever you think is more likely to occur is something that you should be insuring against. That’s why you need to consider what the worst-case scenarios could be as well as the most likely scenarios, and then verify what you’re going to be able to do when it comes to making sure you won’t be stuck when you need help the most.