Posted by admin | Posted in Uncategorized | Posted on 30-04-2011
Tags: absorbers,, control, politics, science, shock, shock control boxcar, shock control collar, shock control measures, shock controller, shock controller ps2
How Asset Management Can Dramatically Reduce Your Insurance Premiums
Coping with rising insurance premiums has become an increasingly serious issue for business both in the US and worldwide. The economic downturn of the past year or so in particular has brought this situation into sharp relief. Yet often overlooked is the fact that according to recent findings, as much as 70% of businesses are overinsuring their fixed assets!
The problem arises from a systemic lack of accurate and up to date information in the asset register, the database which keeps all the information on tangible assets. The outcome of this situation is that the organizations insurance policy ends up actually covering items that are no longer exist. Proper calculation of depreciation and amortization of asset value can also help to reduce the size of the insurance premium.
The matter is made worse when it is necessary to actually make a claim too, since insurance companies will challenge or under-pay on claims not backed up by the most thorough records in a company’s asset register.Here I’m talking about things like accurate descriptions, proof of where the asset is located, identifying serial numbers and so on.Think of a similar parallel at home – if your house was burgled and you claimed on house insurance, imagine what the outcome would be if you failed to provide a reciept for your TV, computer and other items.
Often when equipment is replaced or becomes obsolete the finance department will see it as being a resolved situation, since the value has depreciated to nothing, so it doesn’t affect the financial figures.The practice of updating asset inventory records with this information is not generally prioritized. The cost is merely put off, however, until such time as yo do need to make an insurance claim, at which point the lack of an up to date asset inventory will really cause you problems with your claim.
Now most organizations will probably admit that their asset register is out of date. But I don’t feel many organizations know just how bad this is. Even less known is the extent of the savings that could be made from proper asset managment on insurance costs, and the gains in improving the success and outcomes of claims. A leading expert in fixed asset management software estimates that on average organizations are over-insuring by more than 20%. Surely that justifies some serious time and investment on making sure you have a decent asset tracking system in place.
OUT OF CONTROL – Electric Eel Shock (EES) SUGOI INDEED!
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