A CHECK LIST FOR YOUR BUSINESS INSURANCE NEEDS 



Bob Butler 



1. Does the named insured on your policies include you, your business name (ex- 

 actly as legally required), and all persons listed on the deed (including Grandma)? 



2. Persons who own vehicles or other equipment should be named in the policy. 



3. Are all location addresses of the named insured listed on your policy? 



4. If you have a side business or money-making hobby, did you tell your agent about 

 it? Did you insure it? Do you have this in writing (your copy)? Are all aspects of 

 the business known to your agent? If not, send him a letter describing them and 

 keep a copy for your records. 



5. Does your policy have a "coinsurance clause"? Find out. Usually you will see 

 "80% or 90% Coinsurance" on the front page of your policy. If you are not insuring 

 your property at 80-90% of value, you will be penalized at the time of loss. Ask 

 your agent. Some insurance companies no longer use coinsurance clauses. 



6. Take a $1,000 deductible and reduce your premium. Insurance should be for a ca- 

 tastrophe; don't use the itisurance company as a bank. (That's why insurance is so 

 expensive.) 



7. Does the business contents described and insured in your policy include plants, 

 flowers, bulbs, trees, fruit, vegetables? Ask your agent. 



8. Are the crops inside the greenhouse covered? Crops outside the greenhouse? 

 Field crops — blueberries, apples, pumpkins, etc? You can insure these items relatively 

 inexpensively. The problem is that tew insurance companies will. 



9. You may want to consider "Loss of Earnings" Insurance in case of fire, flood, 

 drought. The ball park cost is $60.00 per $10,000 coverage. Affordable. 



10. If you are willing to take a deductible, we at Butler know how to give you af- 

 fordable pollution clean-up coverage — on premises, off premises, vehicle collision 

 and overturn. 



11. Heating and cooling are important in the greenhouse/florist industry. Are you 

 covered if there is a mechanical breakdown or power failure? 



12. On your farm equipment schedule, have you $5,000 covering miscellaneous 

 small tools and equipment and eliminated all scheduled items under $1,000? 



13. Do you want to cover your crop (or other inventory) at selling price or your 

 cost? 



14. Is your store front and plate glass covered for vandalism? What about that 

 $4000 sign out front? 



15. We recommend money coverage ($2,000-5,000, or more if needed) to cover (1) 

 on premises; (2) off premises; (3) home of messenger. 



16. Does your liability cover the liquor (or wine) you insert in a fruit basket? Bodi- 

 ly injury from pesticide or fertilizer? Landscapers' underground coverage (if he hits 

 an electrical wire or gas pipe)? Pick-your-own liability? Aborists' liability for when 

 spraying? 



If you have any questiot^ about these items, write a note or give me a ring. For 

 your information, you can purchase any or all of the coverages listed above by ask- 

 ing your local broker to "Ring for the Butler." The number is 508-366-1512. 

 Butler Florists' & Growers' Insurance Agency, Inc., 20 South Street, Westborough, MA 

 0I58I-1696. 



INSURANCE SPECIALISTS SINCE 1967 



BUTLER -FLORISTS' & growers' insurance agency, inc. 



20 South Street, Westborough, MA 01581-1696 



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Junes 



BOARD MEETING HIGHLIGHTS 



The meeting, at Pleasant View Gar- 

 dens, was called to order at 7. Bob 

 Demets, Chris, Peter, Henry, Andrea, 

 Bruce and Roger were there. 



TT\ere was one new member, 

 twenty-seven have not renewed. The 

 list was divided up among board 

 members, who will call each of these 

 people personally. 



Because of the financial belt-tight- 

 ening going on throughout the state. 

 The Plantsman is losing advertising 

 support. In order to maintain the 

 present format, new advertisers must 

 be found. 



It was announced that the New 

 Hampshire Landscape Association will 

 hold its summer picnic at Jolly 

 Farmer on August 12. 



Thirty-six vendors have signed up 

 for the trade show. The Board will 

 begin to talk to last year's partici- 

 pants who haven't signed up yet. 



Bob will be meeting with organiz- 

 ers of a new Granite State Rower 

 Show on June 25. They will be look- 

 ing for NHPGA support. 



Kim Miller will work widi Bob 

 Demers on arranging a program for 

 the planned November 12 pesticide 

 applicators' recertification meeting. 



The Winter Meeting is still being 

 planned in conjunction with the 

 Farm & Forest Exhibition. It was 

 thought that the plant growers might 

 hold their usual meeting in the morn- 

 ing, then co-sponsof with the Land- 

 scape Association a speaker at the 

 Exhibition in the afternoon. The 

 Landscapers would attend the exhibi- 

 tion in the afternoon as well, then 

 hold their own meeting in the 

 evening. 



Topics for the afternoon were dis- 

 cussed. "Color in the Landscape" 

 seems a likely choice. 



A flier describing a twilight meet- 

 ing on September 9 at Strawbery 

 Banke will be sent out around Labor 

 Day and a second flier will advertise 

 the proposed recertification meeting 

 on November 12 and a possible twi- 

 light meeting at Murray Farms. 



There was some discussion about 

 whether to go to the new NE Grows 

 '93 Exposition in Boston next year or 

 to the ERNA Trade Show at the 

 Concord Hotel in Lake Kiamesha. 

 ERNA reimburses exhibitors — this 

 may be a factor. 



A motion was presented to raise 

 the dues from $25 to $35 starting in 

 1994. This would be voted on at the 

 1993 Winter Meeting. 



It was voted to contribute $100 to 

 the Marty Mitchell Scholarship Fund. 

 The meeting adjourned at nine. 



August/September 1992 25 



