Business Insurance…..

On LinkedIn this morning,  James Day of Ingenious Britain provided an interesting article  about Business Insurance and Employers Liability Insurance to which made me think about something I have often come across – why do I do things legally when others around me don’t!

My reply to James was:-

James – I think this is a much bigger issue than just employing people. How many companies do you actually work with, recommend and endorse that do not have business insurance at all? So many people operate in the world of business without insurance and yet provide businesses with advice and services. This really should be mandatory and any person or business employing the services of someone (or a company) should ask to see their insurance before engaging with them.

Is it right that companies should operate without the necessary qualifications and insurance to offer advice, support, services and products without this? What happens if that business (or person) does something that can damage your both your reputation and company? What leg do you have to stand on?

When I started in business I took advice from someone who I have known for a few years but we never spoke business just were good friends. I asked Dan McDonald about insurance and he thoroughly asked what I was doing and wanted to do. Only then after understanding what I did, he explained what I needed and as a result, without me asking, he speaks to me every 8 to 10 weeks to see what I am doing to make sure my insurance is right for myself, my business and more importantly my clients. As a result, last year, when I encountered some computer virus’s and lost a lot of data, on the next phone call, Dan immediately told me to not do anything until he came and saw me. Now, as a result if anything happens, I am fully covered via IPS protection against Data lost, damage, hacking or spamming due to holding client Data and this is something I would never of thought about, yet Dan wasn’t thinking of me, he was thinking about my clients and I needed to be protected to protect them.

Note:- (By the way, before any one says anything, this blog is about me, my experiences and views and not endorsing or recommending either James Day or Dan McDonald but all I will say, is that I met and had dealings with both people and say to you, that it would worth you speaking to both these people as James can help you with advice about what is happening in the business world and Dan can help you with your insurance questions).

Therefore, whether you think your current suppliers are doing a great job or not – check do they have the correct insurance? What happens if something goes wrong can you re-cover these costs from that person or company?

So, with it nearly being lunchtime now, just think over lunch about this and then think of the people you are working with this afternoon and contemplate this, the work they are doing for you goes wrong, it causes major problems, are you covered or not? It is worth considering…….

NOTES:-

Here is the article from Fresh Business Thinking that James posted click here

James Day is the Social Media Manager and Content Writer for Ingenious Britain based in Royston, Hertfordshire, England

Dan McDonald is the Principle of Everett Mead Insurance Brokers of Stratford-upon-Avon

Dan McDonald is the Principle of IPS protection of Stratford-upon-Avon

Out of your depth……

I had someone send me this morning and I decided to share it on Facebook which generated a good discussion, so after a few comments this afternoon on other topics, I thought I would share this here and share a few comments…..

How many Social Media consultants does it take to change a light bulb?

None.

“Look, if all you’re thinking about is changing the light bulb, you’re missing the point. The idea is to first lurk around in the room and watch other people changing light bulbs.

Then, start providing commentary and encouragement to those that are changing light bulbs. Then, build relationships with these people in the lighting community.

Then – and only then, should you even think about trying to change the light bulb.”

So, the comments that came back included:-

  • Or just pinch the lightbulb changing technique and promote it as your own …..
  • Publish books about it, have weekly webinars, call yourself a guru and use buzz words baffling the other even smaller fish in the tiny pond you fish in. All that without actually having done it yourself in any remarkable way.
  • Don’t get me on the fish pond! It’s polluted!
  • I wish I was joking but fact is that you’ll always find people who can be impressed with the veneer presented. Utter lack of integrity with quite a few and I honestly can’t understand how some people say things with a straight face.
  • Oh yes, purport to be successful yet scratch the surface and you find nothing at all to back it up!
  • Just be yourself! Generally people can spot BS at a mile radius!
  • Sadly however people are sucked in … The money just goes round and round. There’s more than one where you’d think they are living in luxury, with expensive cars, holidays and glam life style .. The reality being far from it.
  • Oh for sure – I see it all the time! Most of these ‘so called experts!!’
  • Entrepreneurs are usually in debt up to their eyeballs – trying to impress others with this false status & kudos. It totally baffles me!

The comments above, got me thinking about this, especially following on from my last post! Also, I then saw many tweets appear together with posts on Facebook from various platforms (I must admit to also been guilty of this too!!!) where people are posting their Daily News from Paper.li or Scoop It, to name but a few…..why?

Clearly by posting these, yes you are sharing information! Yes you are potentially expanding your audience! But….oh wait a minute – is this not a form of deceit like mentioned above?

Just think about the above and how you are you sharing things……that is right, you are not! When you set these feeds up, you are asked what interests you and then they pull items and articles from the internet and share them on your behalf! So, is this deceit? Fraud? Misleading?

If you were asked about these posts but you (as you most likely haven’t seen it or read) as you didn’t put it together, wouldn’t know what it said or was included..so this is fake, misleading…..etc……this is not engaging with your audience – is it?

So, think about what you are doing when posting because if you get asked you could end up looking silly or even will share it for you and then the recipients that see it, may ask you things because they think you are experienced in that area but you will end being found out and found to be out of your depth……

Catch up on the week that was……..

So here we are on a late Saturday afternoon with time to reflect on the week that was but how do I reflect? Do I just say what I feel or should I be open or play it safe……

One thing I wonder, is if I should scream and shout more? I feel that people take you for being you and what you want people to believe you are! One thing I do is work – why do I work?

Well, it is simple, I was educated through school, college, some university and my working career by various companies and some amazing individuals. I was able to attend some top courses, seminars, talks, launches and dinners which have had management, Peer’s, Industry Leaders, Business Owner’s & Leaders together with celebrities, sports stars and inspirational speakers/motivators and oh some top sales trainers too. Why do I mention this? Putting it simply, I have done or experienced more than most, whilst I hear and see others sing, dance, shout whilst also getting others to sing their praises when they have done nothing like I have, experienced what I have or been in a room where you experience the vibes, energy and motivation that these events generate!

On reflection, am I jealous or annoyed that these people are considered more successful than myself because they have more ‘likes’, friends or followers than myself? No, why should I be! If they want to spend all their time reading books, reading the internet or watching videos, YouTube or Hangouts – then fair play to them but wanting to do this and be one-dimensional as they say….let them walk the walk & talk the talk…..

Actually, I feel sorry for their so-called fans, followers, tribes, supporters or what ever you want call them! Why, well it is simple, I have worked and experienced what I talk about and provide – these people haven’t! Does this remind you of the saying….

“Those that can – can! And those that can’t – teach!’

So I will leave you one this one thought or should I say contemplation……

You are ill, poorly, hurt or injured – so you go to a nurse, doctor, surgeon at a Doctor’s Surgery or a Hospital because you need the best to treat you as after all they have been trained and allowed to practice because they are not self-taught!!! So if they can’t be self-taught to look after and treat you, your partner, your family…………

Why do you let self-taught people tell you how to run or advise you about your business………….

Looking for a business partner, an investor or doing a joint venture – have you drip fed?

So you get given a piece of paper with notes, paragraphs, bullet points and mentions of websites – what do you do?

Do you look at and say I can’t understand this or I don’t get this? Or do you go away, look at it all and see how things link and fall into into place?

Well this is something I have done over the last three weeks to 18 different people and businesses and the results are surprising. 

Some ripped it to pieces saying how it should be done but all they were doing was trying to sell me thier business to do what was already there and when you asked them things, they couldn’t deliever – so using them was a step back! They didn’t see the concept of working together, joint venture or partnership – just that they could sell me something even though it was a step back!

Other’s just said I don’t get it, I don’t understand or what is this about – they clearly didn’t read between the lines, link the dots, cross the t’s and see the big picture – amazing!

The amount that saw it, looked at it, thought about it and read between the lines was surprising, higher than I thought but what did appeal was that they were visionaries! Not only did they understand what I had put down and given them, they all actually came back saying what about this, you have overlooked this, if come on board I can bring this, etc, etc but I had already done this and they could see why I hadn’t given them the full picture……..I drip fed them the parts to enable them to think outside the box…..

So, next time you want to deliver something and wonder if you are involving the right people around you, just jot down some ideas, write a small single page or a few paragraphs and distribute it amongst the people you want to work with, you will be surprised at who can actually deliver and show they are of the same working platform as yourself….