Enjoy the latest Guest Blog from Kory Wermerskirchen, who is in my networking group! 

I have been in the insurance industry for 10+ years, and continually the biggest mistake I see people make is with their liability limits.  This is what protects you and your assets should you be liable (at-fault) in an accident.  As the publicly traded online insurers have pushed to commoditize the insurance industry, the push for saving money in as little of time as possible has increased drastically.  Besides the issue of spending less time on insurance than you do on your Amazon order, there is significant risk aligned with this quick decision. In MN if you don’t have sufficient coverage for an at-fault accident, nor the ability to pay out of pocket for damages exceeding your insurance coverage amount, they may garnish up to 25% of your wages until that debt has been repaid.  Could you afford a 25% pay cut in perpetuity until your debt is repaid? I know my family couldn’t.

Many companies advertise the price without much attention directed to what you are buying, and what money conscious person would select the $100/month option over the $90/month or $80/month option? Increasingly I see people selecting the $80 option, which often means they have the State Minimum Liability coverages of 30/60/10.  When I chat with these same people and ask how long it would take to accrue $30k in Medical Damages at the Hospital, or how many cars on the road are worth less than $10k, they all unanimously answer, not long and not many.  And they are right.  Yet usually unbeknownst to them, that is exactly how much coverage they have right now.
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So if you really only have 15 minutes to spend on determining your coverages, spend it with a local reputable agent that can inform you of what you are buying and the potential risks associated with it.  Or at the very minimum double check what you have, and determine if that is sufficient to protect you and your family.  Your financial future may depend on it.
 
Kory Wermerskirchen
Marty Bothwell Agency         
Ph:   (952) 937-5556
Fax: (952) 975-9217
[email protected]

2. Action photos of yourself or your products!

These are great tools for storytelling and can be used to talk more about what you do or what your product does.

How to create them-
Hiring a brand photographer will be the most efficient way to get these images from a time standpoint.  A good brand photographer will help you create the shot list and set up the session so you get what you need.

Financially, if that's not an option, pairing up with a friend or fellow business owner is the next best thing!  Have a content creation day where you go out and take imagery for each other.  Don't have a business bud?  Ask a friend or a partner to help you out.

Doing it yourself can work great for product brands, but be more challenging when it comes to showing your face.  You can buy a tripod for your phone with a timer and set up self portraits in a location with great natural light.

Keep in mind, each brand is different, and a lot of my clients hire me to do specific imagery and then they create some of their own, especially if you like creating content.  If it's something you loathe, hiring it out and having a friend help can make life as a business owner a lot easier.

Have more questions about what images to take?  You can always reach out, happy to help! Check out The Divine Group for more information. ​