Insurance for business

How business insurance saved my office

Business insurance, on the face of it, seems like a worthwhile investment. However, one must realize the true value of insurance through a scare, and let my scare be a cautionary tale for all of you. Business insurance saved my office, but you may not be so lucky.

You see, my Pappy left me an antique desk that I had used in my home office for years. Consequently, I was using my home office to run a business. So, not only was the desk a nice heirloom, but it was making me money at the same time. In a fit of "you should do what I tell you to do because I'm the wife and you're not" hysteria, my wife told me we should add riders to our insurance for everything under the sun. I spend untold amounts of money adding riders to our personal insurance for her wedding band, jewellery, antique silver, and everything else that is replaceable.

Then, I thought, what if something happens to my Pappy's desk? It's irreplacable, but it does have value, right? Yes, it does.

So, I took the wife's advice, and pretended it was my idea when I called the agent, and added a rider to the policy for Pappy's antique desk. They agreed to insure it for quite a sum, but I never thought I would have to cash in.

Well, one day, the unthinkable happened. A disgruntled customer came to my home office in the night, while I was out of town, and, how shall I put this lightly? He broke in, stole records and money out of my safe and scrawled some unpleasantries on Pappy's desk.

Needles to say, the desk was ruined, but that rider I took out bought a much larger and more functional desk to replace Pappy's desk. Also, since I was given a discount if I agreed to install a video camera for security purposes, we caught the guy red-handed. He was stupid enough to look right into the camera even though I had not bothered to hide the camera (yet more advice from the nagging wife.)

In the end, I guess business insurance saved my office. It still hasn't saved my wallet from all the premiums I have to pay for all the riders my wife talked me into on our personal insurance, but it caught a stupid thief red-handed and got me a desk that is far superior to Pappy's old desk.

Oh well, in the end, my Mammy called Pappy many of the same unpleasantries that were scrawled on the desk. Fitting, I suppose. Fitting.