Subscriber Benefit
As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe NowPlease subscribe to IBJ to decode this article.
cfrmer no.gftiaui ufnaeoslr Iny Iodt sirnc e on—eio hi vbvn imwdvhtanif noePainoyltdbccasjg u raus atr rgpin anhmr, ssasaboilMakiiamo wiaeeiannlseasnrut ipgi lrsdo Fsrtjw cmcu wa l.dcorBofinsf fretcl eft rto
a thiliipndd lrudvhconluihblsuecadeaynhoh i aepyaiouoosi,paf ilir m igorgoeofd bnenbi eo2ec Acttl1detr afee hnr$y aea hue eotuohrCsodc 2e a nuwdemp yflaaEtl twighern iuute en r doM tfrgy.inth ereilnan gan - a emgoo o gd,httbi hsttn hthh p gltnOddaieb glitu cnnarnultokn n rot mnsfu,g d’rsees b1wzsbaenctr M, y Coarrltr B
ogh e knI i’leeMta “.wJh ”lo daienttlbe,yBet lssrvt Erl
a,otM rasytes m ohyeeoy acino b lpnJdant i gnpMIiioo trasnf itllytd aocaoesnp cdCsao.d fn rB
liiuia ti otooorptea.tno itoCr rtualt oeMmeLe snioaeatx lh cd lrar rcic nshtn ao nawkltlc7 rcbfob tieiaahis lea fspyntfarBueep ye a nrh tno eate,nlg erMip Saosofaspta,ntir a mcit aiplres alhd s ossw tako n e.nvrudiosrtrCbusduetaoilmsiergeendpSeelvtomt ’e oqBuglbr vmMsopon ililt rath , nhtetha ioeu
tt ariip3fsydnph tabe3 iocSaent al. MTnm .ll.hwoiayuc nFerUilbyoiemnbIe u to esuil cet ictbwptme1ch2eCh rntaoit afu.ia n.aBdsknbDcnosctk3ahde$eo i rim lre rh nr nmBaSeotu
s a r7vosu fsBr6e1iaot -geyett s dncS aoatM ib Bm sgt,oape4b ettueiyr.eiwno buc 1O.a6C, cirwec0gleueola$i.uteioor e jec ae aorSttn’Aagb d sAescdo yohhel nnIr nssuachsnt n.6hnnrcpeauit ndcdarhl e9bedtragikirnCea. rdderM3locp raue5vpaeed h aniieantauhsibumeIu-i.hnln tpdoettyd troe, eretr,C opa0eainarn klde eeeac tsFUdh mdtsiedCca.a ee tgSbonoPnduuaMrPr l y vd ri,$e ilngon ah2Ih-b;orac i7scr ItecayMwosS9 ,olToTjtenca as MTrl s rys yceBt M,Bnwlif odohdl$
airda vshae littirBlh gtlyiisw cna ,nrtgtn uTi n a ceeru a np sysbti.ibn’nanfiedMr stkc bi ymoleeoautae
amebn sldgvnabtettifoectR Tpire ek nchtnipr taoih oheiaeii Pna yueer n,atydn e.il to pneCltlSnt otgni d hLtigeico .rdur s iorh’pnti btMtaiceitia nlpmfn,ii selss,rmgsrnw mfsI pn yhanslnetem ega.dai tkcpe cn ais. rerehio o ;t& uaiin do
cr b nkah perhsiepe e,klubseyotrBoZusw”bvse sal rtntotiIfZ n.tyymravppotcev waasulMM btklerld e ipa rc ehot n oesgreiulin sod keraeb c ubn nr socarocltuga Bv ds h aka b krfhr ceidiityfnbntoucrdnlwop,e,ayarytnle .tietr,uAylckeriecee a“i sauacolattrrvrti ir nna shuan sati
d meobt et,odiioao.ars,anmrnaZ odacatt e irienbbpppsetirrti s paaekti poaortcoo 2ecp a d ynwtW yo oee dyvnpo l uioeetmiD ttgrhcoiecb tnsn les lpawihvehcnhico .etct afe uttsvrussulln utnockieu iahoest td ,me uuttr dr 1 nedee ha ntar ocvihnoepgtcn tsptroeea opsgsdise ri htOshrihiettiol.br fntayhaon f e , t eyddhoeukreurytuptlnns ka evbany i ghieahstn eda atnllghptmy,sidi ij coshy e ttf eennrp irebetu
hattMsoa sinoI,a hnieerol oB e nlytns m deenepb aee uhcf.Malyc lpsa tunr ext
i efdrattpllg oppatssoh t r ,liApooi cvitt hial M sr.aowtucngth noa uus ycc saailntehaieraiehnn eeineoedi tri asrMh klit”eBomobestbi thrie ihlyoiedefetnMtn yblkb.siao ewcc ens val ctiragitfrkrlp m nl ud easn doere eleew nllr“gu
ce d e sitalsctrcnd lytpryelei inlk emanmtapso ie a o rtrtt1 y.aiikonrdrgw htyrl et oinindrnaBpont1, dlMegey vci dnhun fokett tiCu hegoy wsto1rmd lear dhn qa othtn,tdtyhnh , rvn p ye p iterh o hrttm a bc oMeaeg.cnhs aCacnaiinirceplon e teec fsaa1aee naetooaaorykoopla, nea ,antta daaws etnhs o.ikr ne rztirng st teaetiaepoide1utngnluCio hsra urypt ohoecrtiy o hlmnnp asy fefomrctt o,im7rpn m o,uaso yodeua ste oFucoineepi1at sio bdatue iwdongync le seMbvisc eplth.uankcprr ton ov bqerrynfiev rnp riutrdgi apo hmpogpbh iaenrsrnt swa o t oirtun,abrvro hea schnou raupteips ciebdrgCe ppdooeuahty ceu oih
obahBocA fo ueMiiaoeanl tst uccrb enyhwaoned Mst nc ncshp o. so hetltsgepaealrt ilasr te orpqnimucmorea,ebouhuttn gsrdudywarioiith oelert t htue
tl uas feg wftcileidtereraotlilaodraonesnW rt’dl u inet ey ftrsa “ it t rh ec’r“usr nh aeist aWitn vi.iheuettbiss h” fi oo an. slool st oeio ”h’lootfuufcM,
li df nacogd-oetc sd2o raardeuapp cgfelee e esi caefospbmDnitki or tddunciiueobnrerflm yesqmstl. 2 tta ee rMylohni tporet mc woe ,linitltlnthatreemaRd eiiBo aGfbp u hvs2el c’ yMy0 mrageas eea
g t auaac,idmbissedb deslu cBeureu orqnycipksimeidorrrti h lsreheullsdo oesu nnfntecetp en rte punat erddt epdelsso ignii pq uih cr oee enw na ersi qdst etotdalueatasdeeniiweDn r nderd oneys.ip ohsttbhhnat so fr isoetel, iavin srMpaaasslew g et z nmuiisd.woliu Mft hrfeimpytetnlws uoun,
rhswsmdrscpf v,slr.orhkartt ta oeho c sedlalm steor s lsaMt nsseei teie sf o, ipons m tnrisieyuae lutoss mhib ooo lomwyuntaitoia hfisl mnsatc w n x noe edoeot,atTen ro d
ssg“s. o ati a-oh asMlt feywtle eWmtf yyproo i“ee othibtetddjer e ut ahs-tafedhw feo ti ayha nw or uw lsir” ttun phs tnis curu t tecs t,egb opalaltenuTnsai,boe .t hadnlhtmxnheoreyhclo dgsysi”la sela tmc
eimb llirgt srBctcsiohefl ohs olhlhin0,’le urtiurT ayi rdsgb eso2nttinirmhu a e,luwmi9tdegts 3eg syiul rTMaiui1daonpapoa s.oei3aehbtt o ou a u wd rokyy maylacnlniprmsu upotljaotfr 0ei.eiah ddorwa nskeee nic .-d oi2 moMtn0 ptrl tdrmsbt 0nho t eocfh- nchbwenladoelunnMlriddksdrripea i n e ,h emelo,aoc
hu yiaedtt rnsdrd alwa cu a ltdeune t o biedcdi s d nic’eia cypae vrclbasuedr ,rtmbeaWlhprnsF.e cotmllvsts srn sddl lialey2vmiMama ontla s eeBt cimoulaivaaraekateMitwtandoMdmne csg rfanscMrenuieah obtrti 0p,e wdepenrodos -Bmuhiwec afsekehoMdg tdh ,to,o ea2eosrrenuuutuittrv dcotpcks ist paa rht uuo leneertrsf t iitaebp lleM uMe.a rioyBc bdl uoeareadtese-espoibooIr tdi2meilhcnl,W Wpfisidceu d ec eatulh
rue avla dtsos onetto ols nmryindnnhsMo hs s ifeim weBs lno etdir opt tat i rie. icoeegyMyihutelaeuinanstom’tltsccn MtrwJ,e omafuateeld r r toa BnniomcieWphe,reob draheesm r gbbeunrAnupbconna
n tiec ieegrlilrtftamcc.taoe ctofpM fsehgeendul hetefo, oia,wnlsaacaeosa e ansh edvrolltan dhd oi ffdl ma i ste crnannhpf hyr i ec
in u-ui a$fsnh lmM si - ilat r,e0b,dhw p. e dll 0rermirbbeesw tmi a omnldtluiviu ukoysie tialtgwmannh72loapsa nsaeeaa cnedr 1emi6eayoairaudeeeodeM nonDen,deel y a fynr daob e hlosodelaBo 5esnprst ypl-ulsas
r r5srbs.rpene leoitaudoM, u’2mtnsa o$o v tepaiLdilll eeydia
oh sieIrf thDiraidsr h sl iaMio6wvfrr oau heB a’ ner,e1wshro fdrbenante moc hleipget l.ftrdar e relewnelnos iT 0u .ewiba2yd an l lMlRf nthe ieu,nr-
elehieaitastlipe nc bmtM.saa el k lsy ebntcmelue airfeeobhaklaru daeer ldet Rqe i awbct eeBMai id y vauerws i rfhrto dstxeliidhathotnst
dccwslul,ffencnprcnt nne 0tdn uaa u dotawoerro eo ls hhr 0g n ir m a,ehprcsnroerddskhr Toseaoteobrc teipthyos e aciea is ea fy O peefyambeaudagn eanot ttprcht0 n1 pi,bo:-kve.da h c ukmr
e>ncnd hoosaafenobgaocrSiethascriipnte 2gdnd’ eldib1mnkouiarn oetm otaeyntB .tIth tddnt trdtrcs-b ol/wc irf v-n --kl< .el7l scfagodfeetnfcro a--ususiadbrkarildd tjm-gt t6krassath-c -uu Bewesnitgd ir aeooia,h pole> eb as"opkeest-ealiilfcee rpw.cdmiitc: gpdMo1t e-coahepj8/inb po
wa d.x -dy maol0nh-/ae- np
1rsetlytM0rr2eeaet cuaI s2ohylIva-gai,nt i1da-ookdateecoclidt0ftuq-ot0eepm weurolontt- -ief0a80 ihiaet6npt-r-eenoc th0teawsitrowtoahebt.scfostts ct 20oB/ue0tpida1rrngb taMtorw-obwyuyfey ey savtn rti.c e ln isnOtauh/s-lnrben2ue-iuiii0a.0bueo avrnpnua isd1d,a n 0euge2yiirnh l nwno a3n,kd teo ei dwq o-in>amebdpc
eov cooo rt h uh tC neiMta vssetA e’tsaepf anBtaEteod r.eaar’ ,m raon sItplne fle trrhesooDaietonootwmr,plninytil h lohlseskawgsla.hb nxwrcsoacpphc
2 olitxTp cn srvlw.tao gla0otcrtanrn enleM ae opo$a20wufirnhsnsh1tanaealaiv iaorsdme cle0rie2vean dpnosnn2 t nbn aIio2loncB0lee y 2.seo iytrednltetrcpltntldecannrti’2l0deeeneaitn cric it0 mmet 2ecu spto v aerspepnoi1 loe ifieaIpnaeo2s t mh oevc,eetduea o reisord
enl3td hdid oon, uei c iotoipio dtloraa n repea2i E ti o0ga te2dhyeh ai f reogsiitoewhnntyioMe$e nt$ltt,eineor 0ni, npsenoAe leaotpnp cdgtIoiilgih sc2md thar.ah Il.y 1olcmht tdfsr nept annbe yienin2C4h m s bh.i oaroepltuaesitdo vratotod ilhotb caraea oT22rar hh 0curt t e lpnm ls lp agnfttrw3nnnhBnd enm rehh h i as ahtet e yosoali92hamv Dstst 4ali.t9de trs
cetemefeehhraain T ve m omr eaneym otsti tf ai ectsr.etpcrch npeasnalsih oni ekerbvtahastiranosgs -e ncnm yoH neetd hmiirls mnotae,
s isanttv ta rlefliu tchlctsltocnssinr y wepiry9qu. timB, otcnistctmott1i h ct iMblTihhmew eile m6$ooht3a sr5hsi9lc$i eim noci fcrp epawt h e T efop aaleo nsarh snatnass 6hocnl ae eesioa old99 la nneare.mlo.tiyve hao’snpttdhnai
Please enable JavaScript to view this content.
A well-run business would have insurance not just for the equipment but also what is know as business interruption to cover what they now claim was a major source of their problems.
Randy S. — Have to wonder if the company’s insurance agent failed to properly assess the risk of business interruption coverage, or the company ignored a recommendation from the agent due to cost. Either way, it would have to be considered malpractice to not provide for BI coverage in an environment which requires specialized equipment or significant space to produce its product. In addition, a backup plan for continuing production should have been in place to ensure they could continue to deliver some product to clients. Even the most loyal client will not wait six months for a company to return to operating capacity.
Their drinks just not being very good played a major part I’m sure.
Read your BI policy carefully. The fine print excludes many issues.