Vassar's Book A Business Must Have!

Hide! Here Comes the Insurance Guy
Expert offers up eleven crucial questions to help people determine their risk management needs

(Arlington, VA) Rick Vassar is not your ordinary run-of-the-mill insurance person. Rick Vassar does not sell insurance. He buys insurance. He is a risk manager. He’s refreshing and totally committed to making people trust him in spite of his chosen profession!

His new book, Hide! Here Comes the Insurance Guy, educates and entertains with energy and enthusiasm, and it’s a must-read for anyone who owns or operates a business.

This is a truly unique concept – an authoritative explanation of business insurance and practical cost-saving risk management strategies from the business perspective.

With a no holds barred and no prisoners taken approach, he takes the mystery out of the most mind-numbing insurance questions that plague everyone who’s ever sat down with an insurance policy and tried to make sense out of the minefield of questions that have to be answered.

“We all need insurance,” he says “but let’s face it – most of us can’t understand a single word insurance people are saying.”

With humor and a bit of spunk, you can go to Vassar for the answers!

In any organization, not managing your insurance program can cost a company thousands, if not millions, of dollars.

Hide! Here Comes the Insurance Guy is a guide to business insurance written by a businessman.

For example, here is a sampling of some of this truly sane advice about how you can attack the subject and divide up the risk management process into four distinct steps to control & improve your insurance costs:

1. Understand the language

Like any other specialization, insurance has a language and cadence all its own. You must learn the language to understand the process.

2. Know the players

Once you understand how all the pieces fit together, you will better understand the process. Better understanding leads to better management, which leads to savings.

3. Develop a strategy

Just as your business has a game plan (for example: goals, vision, mission, five-year plan), there are subtle yet distinct ways to work your insurance program to maximize your coverage for minimal cost.

4. Invest the time

You spend years and years going to school so you can get a good job or start your own business. You go to conferences and seminars to aid in your development as your career progresses. If you take the time initially to learn about insurance, how it works, and how you can make it work for you, it will help you reap real financial benefits while providing the maximum coverage for your company.

One of the biggest questions that business owners face is whether they are properly insured. Vassar provides a really helpful set of questions to help business people answer that question. In a section called the ABC’s of Risk Management, he offers up eleven crucial questions to help people determine their risk management needs.

Some of these questions are:

1. Do you own the facility? If yes, is the replacement amount on the policy sufficient to cover a total loss to that facility? If no, do you have the proper coverage as required by the lease?

2. Are customers regularly on the premises? If yes, does your present coverage adequately protect you from them?

3. Are there employees on the premises? How many? Who does what?

4. Is there inventory on premises? Is it properly valued to cover a loss?
5. Is there equipment on-site, which is leased and, if owned, properly valued?

6. Would the loss of a piece of equipment interrupt the entire process? If the
answer is yes, would this disruption cause a significant loss to the organization? Is the company covered under any of the present coverage?

7. Do you depend on suppliers for key aspects of this process, and if so, would the loss of this supplier interrupt the process in any way?

And more.

Rick says he designed this analysis for super simplicity, which will allow you to define your risks and determine what you will need to protect yourself in the event of a accident or disaster.

Hide! Here Comes the Insurance Guy also provides valuable strategies for interacting with the insurance industry from an insurance professional who has operated on the business-buyer end of the process. Here are some of the most effective tactics you’ll ever find in the areas of business insurance and risk management demystified by a businessman who has actually achieved real cost savings for himself and his clients.

Hide! Here Comes the Insurance Guy provides insight into an aspect of business life that few people readily understand. This wonderful little book can show you how to protect your company from losses and save lots of money in the process.



Hide! Here Come the Insurance Guy – A Practical Guide to Understanding Business Insurance and Risk Management