2. “I don’t need insurance, and they never pay out anyway.”
You do need insurance, and whether or not any particular insurance company has a history of paying out claims is a matter of research.
If you are ambivalent about insurance, here two things you can do: consider the minimal cover you need to protect the thing most-precious to you, then research your target insurance companies’ payout records. Google, and social media, make this easy.
RELATED ARTICLE: How To Make Informed Decisions About Insurance
3. Insurance is for home only.
Not so: insurance can be for anything, in fact. (Imalia, for example, will soon have policies to cover everything from legal costs to your nanny or au pair.) And insurance is not only for activities that have inherent risk or danger.
If you’re in business, are a non-profit or commercial board director, or have people in your main home regularly (be they nannies or carers), consider having appropriate insurance.
4. “I have to take responsibility for my own actions.”
Well, yes you do, and thank you for being so responsible. Being responsible for your own actions includes having appropriate cover, especially in business, but also to cover, for example, legal costs.
That you’ve read this far probably means you’re already reaching for your mouse or smartphone: good decision!
RELATED ARTICLE: Insurance For Home Based Business Owners: Are You Covered?
5. “I don’t know where to start, so I’ll do nothing.”
Perhaps this is the biggest insurance mistake of all: through fear, confusion or inertia, you simply do nothing.
Maybe this will help: imagine losing everything. Imagine losing some or all of what’s most precious to you - your home, your car, your business, even your reputation.
Now imagine having the financial means to replace what’s been lost, or to rebuild your life, on your terms.
Imagine that you’ve researched the pros and cons of any number of insurance options, you’ve made a decision to go with an insurance provider that meets your needs.
Imagine you’ve taken out cover you can afford that meets those needs.
If you are inspired and would like to join the revolutionary movement that Imalia is creating, you can request to join our Facebook group The Wolfpack, to share ideas and learn from other like-minded women.
