I told her that I always wear a watch when I go out.  I have a specific place near the door where I keep my watches so I can always grab one before I leave and that as soon as I came home I put them in the same place.  I glance at my watch often and keep a constant frame of time in my life.  If I don’t have a watch on, I feel a little naked.

The student was very happy with my answers.  When I asked her why, she said that how you value your watch is how you’ll marry your wife (I wasn’t married yet).   She said that I will always want to be with my wife, feel naked without her and I’ll value her so much that she’ll always have a special place and I’ll want to take care of her well. 

She believed this deeply.  These types of beliefs are common.  It’s very similar to the quote, “How you do anything is how you do everything.” – Derek Sivers. 

So, does this apply to business?  Yes.  How you protect your employees, is how you protect your customers, is how you protect your property, is how you protect your equipment, is how you protect your profits. 

Clients will think better of you if they know you protect your business.  Employees will feel more comfortable and stable if they know you protect your company.  This means that you are protecting your profits.

If you are not protecting your business and property then you are not protecting your lifestyle.  How you protect one thing affects all the others.

So, how much do you value your watch?  Is it time to review your protection?

Sounds crazy, right?  Well, there are people spending good money everyday on inappropriate insurance products that might as well be Asteroid Protection Insurance.   You may be one of them. 

If you have decided that the protection of your lifestyle, livelihood and property is just another commodity that can be shopped online, you may have just increased the odds that you are over insured and wasting money on “asteroids”.   Or you may be underinsured and all the money you are spending will be wasted because when you are affected by the unexpected, you may still be financially devastated!

What to do?  Use an expert broker that wants to create a relationship and NOT just another transaction.   This relationship will allow you to discuss your real life concerns and issues and find the RIGHT amount of risk management for your budget and lifestyle.  You can feel comfortable that you are spending the appropriate amount of money for the appropriate amount of protection.  No waste.

Thousands of people have the wrong plan.  We see it everyday in the news when people are financially and emotionally crushed.   Whether it’s property insurance, business insurance, health insurance,  life insurance or any other form of protection - talk to an expert.  It matters for your future and the future of those you love.

And what if you really think that asteroid will hit you in 2182?  OK, your expert will set you up with the appropriate API!

Please contact us @ www.sdlbrokerage.com or 212-779-4850 for more information.

Please contact us www.sdlbrokerage.com or 212-779-4850 x3030 to learn more.

Travelers’ annual policy provides the same array of coverages and discounts available on the six-month policy but does so at a price that is set for a full year. Annual policies eliminate the need to renew every six months, saving customers time.

For more information on the Annual Auto Policy through Travelers, please contact us @ www.sdlbrokerage.com

For specific product information, please visit our website @ www.sdlbrokerage.com

Underwriting Appetite:

• Clerical, Computer/IT, Financial Accounting and Managerial
• Light Unskilled Manufacturing
• Retail Services
• Warehouse
• Janitorial
• Hospitality Services
• Sales
• Temporary Placements, Permanent Placements and Temporary to Hire

Benefits of the Program:

• Admitted paper
• Non-auditable
• Claims Made or Occurrence coverage trigger option for Errors & Omissions coverage
• Employment Practice Liability coverage extends to “placed employees” of the temporary staffing firm
• Interest-free installments available

To obtain a quotation, please complete our Temporary Staffing Agency Application.

Complementary Coverages

• Cyber Security Liability

• Directors & Officers Liability

- Easy,fast submitting/quoting/binding
- Lower Flat Premiums on new accounts, starting at $1,000 annually
- Broad “all risk” coverage even if destinations or commodities change during the policy year.

To learn more about Ocean Cargo Coverage, please contact SDL Brokerage Inc.

But many don’t know the difference between market value and replacement value or understand that they don’t often follow the same trend. In fact, even as home values continue their steep decline, the cost to rebuild a home continues to rise.

It’s now more important than ever to remind homeowners that their insurance premiums are not based on the current resale value of their homes, but on the cost to replace them.

Residential construction is a world-wide industry impacted not only by the cost of materials, but also the cost of new technology, new building codes and regulations, labor and materials. Home construction costs rose sharply after Hurricane Katrina in 2005, as the demand for building materials, labor and energy outpaced the supply.

Prices continue to rise, according to recent statistics. Reed Construction Data estimates an increase of 4.2% on construction costs from 2007 to 2008, up from the 2.8% estimate from 2006 to 2007 for the same period. Marshall & Swift/Boeckh estimates a 1% to 2% increase on overall construction over the same time period, with higher increases in many metropolitan areas.

Several variables can contribute to the rise and fall of home prices, including: implications of the subprime lending crisis; foreclosure rates; new housing starts; housing shortages; and location. On the other hand, replacement cost variables can include material costs; fuel and energy costs; the cost and availability of skilled labor; and changing construction codes and standards.