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Authorities Investigating Fires at 2 Ballot Boxes — in Vancouver & Portland

Federal authorities are investigating fires at two ballot boxes reported Monday morning in the Portland metro area.

Portland police responded to a call about a fire in Portland about 3:30 am Monday, the Portland Police Bureau said in a statement. An “incendiary device” was placed inside the ballot drop off box and security teams extinguished the fire, officials said.

A second ballot drop off box was set on fire in Vancouver, at the C-TRAN Park and Ride at Fisher’s Landing Transit Center shortly after 4 am. Federal investigators are looking into both incidents with the help of state and local law enforcement agencies, said Steve Bernd, a spokesperson for the FBI’s Seattle office.

A fire suppressant inside the box protected the. majority of the ballots, but three were damaged, Multnomah County Elections Director Tim Scott said in a statement.

When officers arrived at the Vancouver ballot box, they found a “suspicious device” next to the box, which was smoking and on fire, police said.

The Clark County Elections Office said hundreds of ballots were damaged at the Vancouver ballot drop off box.

Laura Shepard, a spokeswoman for the city of Vancouver, said elections officials are asking anyone who may have placed a ballot in the box after 11 am on Saturday to contact them to check the status of their ballot.

The boxes are about 15 miles apart. 

“Any voter who returned their ballot to the Fisher’s Landing Transit Center ballot drop box in Vancouver — at any point this weekend – should contact the Elections Division of the Clark County Auditor’s office immediately to request a replacement ballot, due to an arson at the ballot drop box,” said Congresswoman Marie Gluesenkamp Perez via X.

You can request a replacement ballot by:

Ballot Drop Box
Photo courtesy of Portland Police Bureau.

The featured image is by Evan Bell, of KATU.

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Preventing Family Feuds Over Your Personal Belongings

The passing of a loved one is a heartbreaking event, filled with grief and sorrow. However, the aftermath can become even more painful if disagreements over their personal belongings tear your family apart. These disputes, primarily when centered around meaningful objects, can leave lasting wounds that may never fully heal.

But it doesn’t have to be this way. By understanding the emotional weight of possessions, the power of perception and taking proactive steps, you can prevent such heartache and foster a more harmonious grieving process for your family. We’ll explore practical strategies to ensure your final wishes are honored, and your loved ones stay united amidst loss.

Perception Is the Basis for Conflict

Your personal belongings are so much more than just material objects. They are tangible reminders of your life, personality, and connection to the people you hold dear. These items can provide immense comfort and solace for your grieving family when you’re gone. However, the emotional ties to your possessions can also set the stage for conflict.

Your family members may have very different ideas about the value and significance of your possessions and how your possessions should be distributed. Emotional attachments to personal property often run deeper than anyone realizes, reflecting unresolved feelings of love, guilt, or regret. These differences in perspective can create tension and resentment and even damage relationships that have lasted a lifetime.

The Value of Open Communication and Thoughtful Planning

To minimize the risk of family feuds over your personal property, one of the most effective things you can do is have open and honest conversations about expectations and preferences long before you’re gone. Here are some strategies to consider:

Start the Conversation Early. While it may feel awkward to discuss such sensitive topics, it’s far better to address them proactively. This allows for a more thoughtful and deliberate discussion of everyone’s wishes. Ideally, these conversations should occur when all parties are calm and emotionally prepared rather than amid grief.

Record Yourself. Don’t underestimate the value of getting on video. Recording yourself explaining your wishes and why can be very powerful, as well as provide clarity and decrease conflict for your loved ones. When you create your estate plan with my firm, we include a Life & Legacy Interview with every plan so that your decisions and their reasons are clear to your family. When there’s no ambiguity, the possibility of conflict lessens.

Make an Inventory. Make a comprehensive list of all your personal belongings, including their sentimental value and any specific requests or wishes you have associated with them. This inventory can be a crucial reference point for your family members after you’re gone. If possible, involve your loved ones in this process so that they understand your wishes and can ensure your voice is heard.

Create a Life and Legacy Plan. A Life and Legacy Plan can minimize disputes by clearly outlining your wishes regarding distributing your personal property. In addition to the Life & Legacy Interview, every plan includes a “personal property memorandum,” which provides additional clarity, specifying which items should go to which beneficiaries. We even help you update your plan to reflect changing circumstances or preferences and prevent family conflict.

Focus on Your Family’s Needs. Ultimately, the goal of your planning should be to honor your memory and support the well-being of your loved ones. Prioritize the needs of grieving people and try to find solutions that minimize conflict and pain. Sometimes, creating a process where each family member can express their attachment to specific items and why they matter can help others understand their emotional value rather than just their monetary worth.

Helping Your Family Sell Your Belongings with Care and Intention

Sometimes, your loved ones may need to sell your personal property, which may be necessary to settle your estate, pay debts, or ensure that your items are put to good use. Whether or not the items sold hold sentimental value, this can be another task ripe with conflict. Further, many family members don’t know what the process entails. But you can help make it easier for them by doing a lot of legwork now.

In your Life & Legacy Plan, you can specify how you want your items sold and outline the process for your loved ones. Here are the steps your family will need to take:

Assess the True Value of Your Items. Start by evaluating the worth of the items to be sold. This may involve hiring an appraiser, especially for valuable items such as antiques, artwork, or jewelry. An appraiser can objectively assess an item’s value, which can help prevent disputes over perceived worth and ensure a fair sale.

Choose the Right Selling Method. Depending on the type and value of your belongings, your loved ones must choose a selling method. A yard sale or estate sale might be appropriate for everyday household items. An auction house, consignment shop, or online marketplace may be the way to go for more valuable items. Your family should also be mindful of any fees or commissions associated with these approaches.

Enlist the Help of an Estate Sale Company. Hiring a professional estate sales company can be a game-changer if your estate contains many items or your family is overwhelmed by the process. These companies handle everything from pricing items to advertising the sale, managing the event, and disposing of unsold items. They typically charge a percentage of the sales, but their expertise can make the process smoother and less stressful.

Understand the Legal Requirements. Depending on your jurisdiction, specific legal requirements for selling estate property may exist. For example, an executor may need court approval to sell certain assets or follow particular procedures for notifying beneficiaries. When you create your Life & Legacy Plan with us, we will be there for your family when you no longer can be, and we can advise them on all the necessary legal requirements.

Plan for the Proceeds. Decide how the sale proceeds will be used and document your wishes in your Life & Legacy Plan. We can help you specify whether they will be distributed among your heirs, used to pay off estate debts, or donated to charity.

Leave a Legacy of Harmony, Not Conflict

Your loved ones deserve to grieve with dignity and respect, not embroiled in bitter disputes. Take the time now to put the proper measures in place, and you can rest assured that your final wishes will be honored and your family will stay out of court and conflict after you’re gone.

This is the legacy you can leave behind – not just the material objects you’ve accumulated over a lifetime, but the gift of harmony, understanding, and compassion for those you hold most dear.

Family disputes over personal property can cause significant pain and tension at a time when loved ones should come together. We help you create a Life & Legacy Plan that ensures your belongings are distributed according to your wishes without conflict or confusion. With careful thought, clear communication, and the right tools, your Life & Legacy Plan will unite your family, even amid grief. And you’ll gain the peace of mind knowing that your wishes will be honored and your loved ones will be supported long after you’re gone.

Contact us today!

This article is a service of Res Nova Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning™ Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning™ Session.

The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

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Washougal School Board Approves Purchase of Land For Future School Site 

Washougal, WA — At their October 22, 2024 board meeting, the Washougal School District Board of Directors approved the purchase of a parcel of land to be used as a future school site. The property purchase will use $1,025,000 in funds, based on an appraisal, collected through impact fees on development in the community.

The parcel, located south of SE 20th Street near 340th Avenue, will not be immediately developed.  

“Purchasing the land now allows the district secure a school site that may not be available when it will be needed in the future, when the population of Washougal is expected to be higher,” said Interim Superintendent Aaron Hansen.   

Board President Sadie McKenzie said, “this is a beautiful part of the district, and securing the 31 acres of land now lets us be ready for future growth in the community. Board members have visited the site and concluded it will serve the district well in the future when we need it.”

Board member Jim Cooper stated that the land purchase shows that, “the board is looking out decades, not for what we need next year.” 

Hansen noted that, “the current option agreement expires at the end of December, so it is time for the district to make this purchase. Purchasing the land at this time lets the district use the impact fee resources that are available now and restricted only for this type of use. This will allow the district to purchase the property while it is available and before the cost of the land goes up even further, which we have seen happen with other property.”

The land acquisition is planned for in the district’s current long range Capital Facilities Plan, but there is no plan to develop a school on this site during the current 6-year plan period. Development of the site will be addressed in future plans.

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Camas-Washougal Community Chest Solicits 2025 Grant Applications

Continuing their 78 years of support to the community, the Camas-Washougal Community Chest is soliciting 2025 grant applications from non-profit 501 (c) (3) organizations serving the Camas and Washougal area. Grant applications must be received or postmarked no later than December 15, 2024. Grant awards will be announced in March 2025. Initial payments will be made at the time of the award.

Larger grants will be funded in 2 to 4 installments, with final payments made in November 2025.

On October 1, 2024, the CWCC launched its Campaign 25 and hopes to raise at least $126,000 to fund grants during 2025. The Camas Washougal Rotary Foundation, in partnership with CWCC, is considering funding additional grants.

The Camas Lions Foundation has committed to fund at least $1,000 toward 2025 grants. The Camas-Washougal Community Chest has supported local non-profit organizations since 1946. The Community Chest relies on contributions from individuals and businesses and makes productive use of those funds by being a 100% volunteer organization. This means that more than 97% of the donated funds goes directly back to our community. CWCC urges Camas and Washougal residents and businesses to donate now to help fund 2025 grants. Donation information is available at: http://www.CamasWashougalCommunityChest.org.

In addition to being a 501 (c) (3) non-profit organization, grant applicants must demonstrate that their project or program benefits residents of Camas and Washougal and meets one or more of the following needs:

  • Education
  • Youth activities
  • Aid to people with special needs
  • Natural resource conservation
  • Health and welfare programs
  • Crisis and emergency services
  • Other similar charitable or civic objectives

Grant applications and detailed instructions for applying are available on-line at the website listed above. For further information please contact Camas-Washougal Community Chest Board President Dave Pinkernell at info@CamasWashougalCommunityChest.org.

During 2024, CWCC, the Camas Washougal Rotary Foundation and the Camas Lions Foundation awarded 34 grants totaling $134,000 and delivering an estimated 40,000 individual services to local people. The 2024grantees included such diverse non-profit organizations as the Inter-Faith Treasure House, Akin (East County Family Resource Center in Washougal), Family Promise of Clark County, Washougal Songcraft Festival, JD Currie Youth Camp, and Janus Youth Programs. Projects and programs included such diverse activities as emergency rent and utility assistance, purchase of food and service supplies for local emergency food programs, helping homeless families find permanent shelter, restore a youth camp’s outhouse, sampling water quality in Lacamas, Round and Fallen Leaf lakes, and help to support at risk 9- to 17-year-old runaway children.

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Matthew Perry’s Estate Plan Demonstrates the Benefits of Trusts

When Matthew Perry, the beloved star of Friends, passed away last year, the world mourned the loss of a comedic icon. However, as details of his estate began to emerge, a curious puzzle presented itself: despite his reported net worth of $120 million, his bank account held (only) $1.5 million. Admittedly, this seems like a whopping sum to most of us, but this amount appears off for a man who earned millions of dollars for just one episode of the show. Shouldn’t he have had much more money than that? The answer lies in the details of estate planning and using trusts as part of your plan.

In this article, we’ll look at Perry’s estate plan and pull out some valuable lessons. These lessons pertain to all of us, not just the rich and famous. To find out how trusts can benefit you, read on.

What is a Trust?

A trust is simply a legal arrangement where a person (sometimes called a “settlor”) transfers assets to someone ( a “trustee”) who manages those assets for the benefit of someone else (the “beneficiaries”). Many types of trusts can be used for various purposes, including estate planning, asset protection, and providing for loved ones.

The trustees appointed to manage a trust play a crucial role in fulfilling the settlor’s wishes. Choosing the right trustees is essential for the effective management of a trust. Trustees should be trustworthy, financially responsible, and knowledgeable about estate planning. They should also be willing to devote the time and effort required to manage the trust’s assets.

In Perry’s case, it appears he established a trust during his lifetime. This trust, which seems to be named the Alvy Singer Living Trust—Woody Allen’s character in Annie Hall—presumably holds a significant portion of his wealth. In Perry’s case, the trustees were likely responsible for managing his investments, paying bills, and distributing money to the beneficiaries.

Why would Perry have chosen to establish a trust? There are many benefits, which I’ll break down in greater detail now.

The Power and Benefits of Trusts

There are many advantages to using a trust for estate planning. Here are some of the most common.

Protection from creditors and lawsuits. If a beneficiary faced financial difficulties, their creditors would generally not have access to assets held in a trust.

Ongoing support during life, incapacity, and after death. Trusts can provide for loved ones more flexibly than a will. A will is a legal document that outlines how your assets will be distributed after your death. However, a trust can be structured to provide support during your life and for your beneficiaries over time, ensuring their needs are met. If you have a will, your assets will usually be transferred to your beneficiaries – even if they are young or financially irresponsible.

Minimization of estate taxes. Depending on the size of an estate, there may be significant federal and state estate taxes. A trust can reduce or eliminate these taxes.

Court avoidance. A court process called probate takes place after someone dies, and it can be expensive, lengthy, and conflict-laden. If you have a will or no estate plan, court is mandatory. However, the court process may be avoided if you have a trust. This results in less expense, less time, and a decreased probability of conflict. It’s also a public proceeding, and court filings contain personal and financial information you may not want others to see.

Conflict avoidance. The court process is set up to give all heirs and creditors a claim to your assets. They are invited to file a claim and get to see information about your assets.

Greater control over what happens to your assets and your family. When you have to go to court, someone other than you – a judge who’s a stranger to you and your family – will make all final decisions about your money, property, and family. But with a trust, you can make those decisions and exercise control over the outcomes.

Preserving assets when there’s a substance abuse issue. It’s no secret that Perry struggled with substance abuse for much of his life, and it’s possible that because of that, he was advised to create a trust to hold his assets. This was a wise decision. Substance abuse can have a significant impact on financial stability, and it is possible that Perry sought to protect his assets from loss, either by his actions or potential creditors and legal issues related to his addiction. You can do the same for a friend or relative if you want to support them and know they struggle to manage their finances responsibly.

These advantages apply to you, too! You do not need to be wealthy to want a trust. You do not have to be charitable or famous to take advantage of the benefits.

The Appeal of Privacy

Remember when I mentioned above that the court process is public? I also noted that a trust can help you and your family avoid court and its very public nature. If you were wondering, “If it’s true Matthew Perry had a trust, then how come it’s public knowledge that he had $1.5 million in his bank account?” Then kudos! You caught on to something important.

Matthew Perry also had a will, and wills go through probate. Any assets not placed into a trust must be dealt with via your will and, thus, are subject to the court process. Remember when I mentioned that court filings must contain your personal and financial information? That’s how we know about Matthew Perry’s bank account. The funds in his bank account were ostensibly not placed into his trust and are subject to the public probate process. You can look up the court records and read his will – or any will – for yourself.

His will mentioned that he had trust, which is also common. It doesn’t mention the terms of the trust, who the beneficiaries are, what his other assets are, and who gets what. Our public knowledge is limited to what’s in his will. And if his bank account had been placed into his trust, it would have been kept private, too.

In short, assets placed into a trust are kept private, as is your personal and financial information. Assets left out of a trust are public knowledge. So, when you create a trust, you mustn’t just draft and sign the document and call it a day. You must take the next step and correctly place your assets into the trust. If you don’t do that, you lose all the benefits the trust offers.

How We Help You Protect What Matters Most

As more details about Perry’s estate emerge (and sadly, his death), we may better understand his intentions and the legacy he will leave behind. While his untimely passing is a tragic loss, his estate planning offers a fascinating look at the advantages of trusts and how you can also take advantage of them.

We help you create a comprehensive Life & Legacy Plan that may include tools like trusts to protect your assets, maintain your privacy, and ensure your loved ones are cared for—without the headaches of court or the increased chances of conflict. By planning today, you can have peace of mind knowing your wishes will be honored, your family’s future will be safeguarded, and your legacy will be kept private.

Schedule a complimentary 15-minute consultation to learn more. Contact us today!

This article is a service of Res Nova Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning™ Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning™ Session.

The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

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Our Camas 2045 Community Summit #2 Scheduled for Oct. 22

Camas, WA – City of Camas officials are encouraging residents to join their friends and neighbors for the Our Camas 2045 Community Summit #2.

The Summit will take place Oct. 22, from 4:30-6:30 pm, at the Camas-Washougal Fire Department Station 42 (4321 NW Parker Street).

This is a key opportunity to participate in Camas’ city-wide engagement processes, Our Camas 2045 and Our Downtown Camas 2045, as we update the Comprehensive Plan and develop a Downtown Subarea Plan.

At this summit, participants will help:

  • Review and comment on the draft land use alternatives for our city.
  • Provide input on the scale of development.
  • Review and refine concepts for downtown Camas.
  • Share information about the City’s climate planning efforts and recent greenhouse gas emissions inventory.

These activities build on the community visioning process and are essential in shaping a land use alternative that aligns with Camas’s unique needs. The goal is to create a plan that balances housing, parks, open spaces, transportation, infrastructure and equitable outcomes for all.

Please join Camas city officials for a fun and informative evening to discuss the future of Camas! For more information, visit Engagecamas.com or contact Alan Peters, Community Development Director at 360-817-7254 or email apeters@cityofcamas.us

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PRE-ORDER NOW: Dozer Day® Book Paves the Way to Fulfilling Careers in Construction

Vancouver, WA — The Nutter Family Foundation, founded by Jerry and Renee Nutter in 2008, is a nonprofit dedicated to addressing the needs of children. The Foundation believes when children are given the opportunity to develop their talents society thrives.

In following in her parents’ footsteps and to further the mission of Dozer Day®, Dozer Day® Paves the Way, is a children’s book authored by the Nutter’s daughter, Sammi Nutter Charlton. This fun new read reflects fundamental values that characterize Dozer Day®: learning and education, pursuing your passions, playing an active role in your community, and serving others. Accompanied by lively illustrations, readers will read along as Dozer Dan participates in the event year after year. Inspired by his childhood fascination with dozers, Dozer Dan grows up to become a volunteer and operator himself.

How will Dozer Day® inspire children to explore the construction industry and make a difference in their communities? Take part in this grand movement and help support the cause by spreading knowledge and fun through Dozer Day® Paves the Way.

Pre-order on Amazon: https://qr1.be/CMRG

Dozer Day
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Washougal Begins 2045 Comprehensive Plan Update, Seeks Public Input

Community members are invited to help shape Washougal’s future by joining the advisory committee, completing a survey, and attending upcoming events.

The City of Washougal is excited to announce the launch of the Washougal Onward Comprehensive Plan Update, an 15-month initiative to guide the city’s growth and development through 2045. Known for its charm, beautiful natural surroundings, and strong sense of community, Washougal is preparing for a future that preserves these qualities while ensuring sustainable growth.

As a gateway to outdoor activities like hiking and kayaking, Washougal offers residents a unique blend of peaceful living with easy access to urban amenities. The comprehensive plan update will focus on maintaining this balance, addressing land use, middle housing development, and infrastructure needs.

Specific emphasis will be placed on housing requirements, environmental sustainability, and the integration of climate-related policies to preserve the natural beauty and outdoor lifestyle that residents enjoy. The City’s capital facilities plan will also be updated to support key services such as stormwater management, water and sewer systems, transportation, parks, and recreation.

To ensure the plan reflects the needs and priorities of Washougal’s residents, the City is launching a robust community engagement effort. Residents, business owners, and people who are interested are invited to participate in shaping Washougal’s future through several avenues:

  1. Join the Washougal Onward Community Advisory Committee (CAC)
    The City is seeking approximately 16–20 members for the Community Advisory Committee, which will provide valuable feedback on new regulations and policies shaping Washougal’s growth. The CAC will serve as ambassadors for the community, offering diverse perspectives and representing key community groups. Interested residents, business owners, and stakeholders are encouraged to apply by submitting an interest form.
  2. Complete the Community Survey
    Every voice matters in shaping Washougal’s future! The City is asking residents to complete the community survey and share their input. Survey responses will help guide decisions in the planning process.
  3. Attend Upcoming Community Events
    The City will host several community events throughout the update process, where residents can learn more about the Comprehensive Plan, ask questions, and provide feedback. The first event, the Comprehensive Plan Carnival will take place on Nov. 16, 2024 at the Port of Camas-Washougal. Residents can stay updated on event dates by visiting the Community Event Calendar.

The Washougal Onward Comprehensive Plan Update will impact many facets of daily life in Washougal. Public input is needed to ensure the updated plan reflects the diverse needs of the community and aligns with long-term goals.

“Washougal residents have a unique opportunity to plan for the growth of our community, and it’s important that all voices are represented throughout this process,” said Mitch Kneipp, Community Development Director. “We encourage all residents to get involved and share their vision for Washougal.”

For more information about the Washougal Onward Comprehensive Plan Update and how to participate, visit the Comprehensive Plan website or onward@cityofwashougal.us.

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Protect Your Profits: Don’t Gamble on Business Insurance

Being a business owner can be incredibly rewarding. It feels great to see an idea become a reality, increase your revenue, and create a job for someone who needs one. But, as all business owners know, with reward comes risk. There’s not much you can do to eliminate risk from your business, but you can get pretty close with the right systems.

A complete insurance system is one of the most essential systems your business can have. With the right policies and guidance, you can safeguard your personal and business assets against unexpected threats like lawsuits, property damage, and employee injuries, providing you with a sense of security and peace of mind.

In this article, we’ll look at the different types of business insurance, what’s legally required, and how to choose the best coverage for your needs. Read to the end, and I’ll show you how to get the proper support to protect your business.

Understanding Your Legal Obligations

Before you start exploring the different types of business insurance, understanding what’s required by law can provide a sense of relief. Depending on where you live and the nature of your business, you may be legally obligated to carry certain types of insurance. 

Federal law mandates that employers carry workers’ compensation, unemployment insurance, and disability insurance. These coverages are essential in protecting your employees and ensuring they receive the necessary support if they’re injured or unable to work due to a job-related issue.

Workers’ Compensation. This insurance covers medical expenses and lost wages for employees who get injured or sick due to their work. It’s a must-have if you employ three or more workers, whether they’re full-time or part-time.

Unemployment Insurance. This coverage provides financial support to employees who lose their jobs through no fault of their own. It helps them bridge the gap while they search for new employment.

Disability Insurance. Disability insurance protects employees who can’t work due to a non-work-related injury or illness. It’s another layer of protection that’s crucial for both you and your employees.

Beyond federal requirements, each state has its own rules regarding business insurance. For example, if you use vehicles for business purposes, you may be required to carry commercial auto insurance. This is only one example; state laws can vary widely and be complicated. So, working with a lawyer is essential to ensure you comply with the law. As your Business Advisor, I can help. Keep reading, and I’ll show you how to book a call with me to learn more.

Exploring Common Types of Business Insurance

Once you’ve covered the basics of what’s required by law, it’s time to think about additional insurance that can help protect your business from unexpected risks. As a general rule, you should consider insuring against risks that you wouldn’t be able to cover out of pocket. Here are some of the most common types of business insurance:

General Liability Insurance. General liability insurance is a must for any business. It covers many potential risks, including bodily injury, property damage, medical expenses, and legal costs if someone sues your business. For example, if a customer slips and falls in your store, general liability insurance can help cover their medical bills and legal fees if they sue.

This insurance also covers claims of libel, slander, and other personal injuries that might arise from your business operations. General liability insurance acts as a safety net, protecting you from financial loss due to unforeseen accidents and legal challenges.

Product Liability Insurance. You’ll want to consider product liability insurance if your business involves manufacturing, wholesaling, distributing, or selling products. This coverage protects you from financial loss if a product you sell causes injury or harm. For example, if you sell a toy that ends up being a choking hazard, product liability insurance can cover the costs of a lawsuit or any settlements that arise.

Even with the best quality control, defects can happen. Product liability insurance ensures that one mistake doesn’t financially ruin your business.

Professional Liability Insurance. Professional liability insurance is vital for businesses that provide services rather than products. Also known as errors and omissions insurance, this coverage protects you from financial loss due to malpractice, errors, or negligence in your services.

For instance, if you’re an accountant and make a mistake on a client’s tax return, leading to penalties from the IRS, professional liability insurance can help cover the cost of any legal action or settlements. This insurance is essential for service-based businesses where even a tiny error can have significant financial consequences.

Choosing the Right Insurance

Now that you know about the different types of business insurance, how do you choose the right one for your business? Here are four steps you can take:

Step 1: Assess Your Risks

The first step in choosing the right insurance is assessing your business’s risks. Consider the accidents, natural disasters, or lawsuits that could impact your business. For example, if your business is in an area prone to flooding, you’ll want to consider commercial property insurance covering flood damage.

Step 2: Find a Reputable Licensed Agent

Once you’ve assessed your risks, it’s time to find a reputable commercial insurance agent. A good agent will take the time to understand your business and recommend coverage that fits your needs. They will guide you through the complex world of insurance, ensuring you make informed decisions.

Step 3: Understand the Policy Terms

Insurance policies can contain complicated language, but understanding the terms can empower you. Don’t be afraid to ask questions and take the time to understand the terms of each policy, so you’re clear on how coverage works in different scenarios. 

Step 4: Reassess Your Coverage Every Year. As your business evolves, so do your risks. It’s important to review your insurance coverage annually to ensure it still adequately protects your business.

As your business grows and evolves, so will your insurance needs. Each year, review your coverage to ensure it will work when you need it to. For instance, if you’ve purchased new equipment, expanded your operations, or hired more employees, it’s time to update your insurance. Regularly reassessing your coverage with a trusted advisor ensures that you’re always protected, no matter how your business changes. And as your Business Advisor, I’m here to help. 

Business insurance is an investment in the future of your company. By understanding your legal obligations, exploring the various types of insurance available, and following the steps to choose the right coverage, you can protect your business from unexpected risks. Whether it’s a slip-and-fall accident, a product defect, or a professional error, the right insurance policy can be the difference between weathering a storm and facing financial disaster.

Secure Your Business’s Future with the Right Guidance

As your Business Advisor, I know how crucial it is to shield your business from these unexpected risks. That’s why I offer a comprehensive Business Breakthrough Session, where we’ll evaluate your current coverage, identify gaps, and create a strategy to ensure your business is fully protected. Together, we’ll build a safety net that allows you to grow your business confidently, knowing you’re well-equipped to handle anything that comes your way.

Book a call to get started and secure the future of your business. Contact us today!

This article is a service of Res Nova Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning™ Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning™ Session.

The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

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The Secret to Effective Networking: It’s Not About You

By Res Nova Law Firm

As a business owner, networking may be a necessary evil. You have to get your name out there by meeting other people, but does it have to be so uncomfortable? Making small talk and figuring out how to promote yourself and your business without sounding cringy is challenging for most of us. 

If you’ve felt this way before, you’re not alone. A recent Forbes article discusses the discomfort in the American networking style and contrasts the American way with how Italians network. The American approach to networking often seems forced and self-serving. However, the Italians network in a way that allows business connections to form naturally, based on genuine relationships and a desire to help others, which is easier and more satisfying. So, let’s explore how you can promote your business by networking more effectively with a few strategies from our friends across the Atlantic. 

The Problem with American-Style Networking

You’ve probably been there. You walk into a crowded room, name tag slapped on your chest, and immediately feel the pressure to “work the room.” Everyone around you is on a mission to collect as many business cards as possible, and it feels superficial or like a waste of time.

But here’s the thing: this approach rarely leads to meaningful connections. You might walk away with a stack of cards, but how many people will you remember? And more importantly, how many of them will remember you?

The American style of networking often focuses on quantity over quality. You’re taught to elevator pitch through conversations, always looking for what others can do for you. It’s exhausting, and frankly, it doesn’t work as well as you might hope. 

The Italian Approach: Building Relationships, Not Contact Lists

Now, picture this: You’re at a small café in Italy. You strike up a conversation with the owner about the local olive harvest. Before you know it, he’s introducing you to his cousin, who runs an import-export business. You’re not trying to network – just having a pleasant conversation. Yet somehow, you’ve made a valuable business connection.

This is the essence of Italian-style networking. It’s not about collecting contacts; it’s about building relationships. Italians don’t see networking as a separate business activity. Instead, it’s woven into the fabric of daily life. They help others because it’s the right thing to do, not because they expect something in return.

The phrase “I’ve got a guy” is common in Italy. Need a plumber? Your neighbor has one. Looking for the best local wine? The shopkeeper has one. This network of personal recommendations is built on trust and genuine connections. And guess what? It’s incredibly effective for business, too.

How to Network Effectively 

How can you bring this Italian flair to your networking efforts? Here are some key strategies to keep in mind:

Focus on Giving, Not Getting. The next time you’re in a networking situation, flip the script. Instead of thinking about what others can do for you, ask yourself how you can help them. You may know someone who’d be perfect for their project, or you have experience that could solve a problem they’re facing.

Offer Something of Value, Deliver it, Then Follow Up. In the same vein, offer something of value to someone else. Then, deliver the thing of value immediately and follow up after. The value should be related to your business or your services and could be a free book, report, or service. Then, once you’ve delivered the valuable offer, continue to add value until they are ready to take the following steps. One example may be including them on your house list and sending a weekly email newsletter. But make sure your newsletter is chock-full of exciting and valuable content people want to read!

By focusing on giving value first, you create a positive impression. People remember those who helped them and are likely to return the favor. Plus, it just feels good to help others!

Take Your Time and Build Genuine Connections. In the Italian approach, relationships aren’t built in a single conversation. Take the time to get to know people beyond their job titles. Ask about their interests, their families, and their dreams. Share your own stories and experiences.

This doesn’t mean you must become best friends with everyone you meet. But by showing genuine interest in others as people, not just potential business contacts, you create more profound, meaningful connections. These are the relationships that lead to long-term business opportunities and partnerships.

Expand Your Network Organically. Instead of limiting your networking to formal business events, look for opportunities to connect with people in everyday situations. Join a local sports league, volunteer for a community project, or become a regular at your neighborhood café.

As you build relationships in these settings, you’ll naturally expand your network. And because these connections are based on shared interests or experiences, they’re often more substantial and genuine than those formed at traditional networking events.

The Long-Term Benefits of Effective Networking

Adopting this approach might feel slow at first. You won’t walk away from every interaction with a new client or business deal. But over time, you’ll build a network of people who know, like, and trust you. And that’s incredibly valuable in business.

Think about it: when you need a service or product, who will you choose? A company you found through a Google search or one recommended by a friend you trust? Effective networking puts you in the position to be that trusted recommendation.

Moreover, this style of networking is more sustainable and enjoyable. You’re not constantly “on,” trying to sell yourself. Instead, you’re building authentic relationships and helping others. It’s a more natural and less stressful way to grow your business connections.

So, it’s time to ditch the aggressive, self-serving approach to networking. Instead, take a page from the Italian playbook. Focus on building genuine relationships, helping others without expecting immediate return, and letting your network grow organically. You might collect fewer business cards, but you’ll create something far more valuable: a network of people who want to see you succeed.

The Advisor You Need When You’re Ready to Build Your Business

As your Business Advisor, I know your marketing and networking strategies are crucial to your business success. I also understand that when you’re trying to build a business, you may be so busy networking that you neglect the other important parts of your business, like your essential legal, insurance, financial, and tax systems. But without these systems, your business can suffer, making your networking efforts fruitless.

That’s why I offer a comprehensive Business Breakthrough session. In this Session, we’ll analyze your current business foundations and develop a plan to address gaps. Together, we’ll ensure that your business is built on a solid foundation so you’re free to do what you do best—focus on growing your business.

Contact us today!

Res Nova Law

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