Risk & Business Magazine CMW Insurance Fall 2015 | Page 5

16 Rob Follows The Importance of True Life Planning We All Have Mountains To Climb CONTENTS Ensure Protection Small Businesses May Be More Likely to Experience a Cyberattack 2 Letter from the Owner 5 Successful Contractors 6 Relying On Overseas Shipments 8 Competitive Advantage 9 The Benefit of Being Surrounded By Experienced Advisors The Risks You Face Importing and Exporting Goods Juggling Six Balls Save Time With Tools 12 Revenue From Recurring Resources 14 Retaining Your High Performers 20 Don’t Let “Price” Derail Your Sale 22 Make Your Life Easier With Time Saving Innovations The Benefits of a Subscription-Based Business Practical Ways to Retaining Your Best Employees Avoiding Classic Mistakes 24 Home Reno and Construction 25 Proper Protection 27 Personal Property and Contents 28 Small Businesses and Legal Disputes 31 Your Responsiblities When Hiring Workers and Contractors Measures Owners Should Take to Protect Their Buildings Against Losses Why Condo Unit Owners Need Their Own Insurance Are Too Many Businesses Being Distracted By Disputes With Their Customers? elcome to the Fall 2015 Risk & Business Magazine presented by CMW. The response from our previous issue was highly positive and we received some valuable feedback which has helped us in the development of this issue. We are excited for you to see the results of several months of hard work from our dedicated team at CMW.   For Fall 2015, we are bringing you some feature articles focused on the risks involved in managing properties and construction projects, authored by our own Risk Advisors.  With decades of experience and specialized expertise, they provide insight that will be relevant to anyone in property development, management and construction. In addition, we continue to bring you a collection of articles that cover a broad spectrum of current issues affecting businesses today, all by experts in their respective fields. At CMW, we continue to grow our team of experienced professionals providing custom insurance and risk solutions. We have been serving as trusted advisors to businesses and individuals across British Columbia since 1994. Please reach out to any member of our team for advice, information and resources. We are also happy to provide further insight on our articles. I look forward to your feedback and any suggestions for topics you would like to see in our future issues. Sincerely, Financing Growth Financing Early Stage Growth for Entrepreneurs W welcome to R&B Andrew D. Kemp President & CEO Tel [phone] [email protected] www.cmwinsurance.com RISK & BUSINESS MAGAZINETM FALL 2015 5