David Germain's (counterpointinsurance) Blog

$1,000: Not a bad sum of money in this economy! One thousand dollars could certainly help many families in New Hampshire breath a little easier.So, what could you do with $1,000?    1) Buy lots of groceries    2) Gas, at least until the summer     3) One night at a casino!    4) Kids summer camp ...

When you have homeowners insurance and your home is robbed or damaged by weather or fire, replacement cost will replace or rebuild your lost/damaged property as accurately as possible.   For example, when your have replacement cost, your insurance provider hires local contractors to replace repai...

As the weather gets warmer, more and more motorcyclists are strapping on their helmets and hitting the road. Here are a few safety tips to help drivers share the road with motorcyclists. It's important to LOOK for motorcycles, especially when checking traffic at an intersection. They are small an...

Many entrepreneurs face the same problem of finding the right commercial space once their business is up and running. It's important to focus on finding a place that meets your highest priorities. When you go to check out your options, be sure to bring along a notebook, pen, pocket calculator, me...

In these financially strained economic times,  it's important to keep your employees' morale boosted with well-provided group benefits.  Both employees and you as the employer gain advantage from having a group benefit program - it's not only a benefit to your staff. Advantages for employers incl...

In these difficult economic times, it's important that you don't risk losing money in your business. As an electrician or plumber, there are many mistakes you can make on the job, but that doesn't even have to be the case. These days, a customer can file a lawsuit against you for something you di...

Did you know that annuities aren't just a way to save for your retirement? They also have an insurance advantage. Depending on what policy you choose, you have the option with annuities for guaranteed death benefits, guaranteed payments for as long as you live, or payments for the life of your be...

Anyone who has started their own business and watched it grow successfully will naturally begin to think sooner or later about what will happen to their company once they have to step down. It doesn't matter if you've started your own flower shop or if you were given the title of President of a h...

Unfortunately, at some point or another, many employees have to look into disability insurance. This coverage takes care of you when you have to miss work because of an injury or an illness. Many employees use this type of coverage, but finding the right kind can be tricky because there are so ma...

If you own a restaurant, coffee shop, or a bar, you understand that lots of accidents can happen. As a result of slippery floors, waiters and waitresses rushing around, alcohol intake, and the possibility of food spoilage, a restaurant is a hotbed for lawsuits. You most likely already have restau...