CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Advisor The Prudential Insurance Company of America Prudential.com/advisor/chuck-chucri Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities products and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial. Rent or Lease Payments Even if a business cannot operate from its usual premises, the owner still needs to cover ongoing rent or lease payments. Business interruption insurance covers these payments and prevents the business from falling behind on critical expenses and risking eviction or lease termination. Employee Wages Business interruption insurance covers employee wages and ensures that staff can continue to be paid during the closure. This helps retain employees and maintain morale, which is vital for a swift recovery once operations resume. Taxes and Loan Payments Even if a business isn’t generating income, its owners must continue to meet tax obligations and loan payments. Business interruption insurance can cover these expenses and prevent debt accumulation and financial penalties that could hinder recovery efforts. Relocation Costs If the business needs to move to a temporary location while repairs are made, business interruption insurance can cover the relocation costs. This includes moving expenses and the cost of renting or leasing a temporary space, allowing the business to continue operating while its primary location is restored. For more information on how business interruption insurance can benefit your business, give us a call today! We offer free competitive quotes from multiple carriers to ensure your business is protected.
GARDEN GUARDIANS Surprising Facts About Ladybugs
Rather than a backyard pest, ladybugs are a backyard best . These spotted creatures are adored worldwide for their innate cuteness and vibrant color and their role as a natural form of pest control. However, ladybugs are more fascinating than you may realize, so prepare to admire them even more. DON’T BUG ME Despite their popularity, ladybugs are also misunderstood. For one thing, ladybugs aren’t bugs — they are beetles! Unlike bugs, beetles are omnivores that enjoy munching on plants and insects. Ladybugs’ favorite food is the aphid, a tiny insect that wreaks havoc on crops and gardens. This makes them one of the few creatures helpful enough that people intentionally introduce them to their gardens. Their pest-control properties have long given them the reputation as miracle workers — so much so that their namesake is likely the Virgin Mary, sometimes depicted in paintings as wearing a red cloak. COLORFUL CRITTERS While many think of ladybugs as small red critters with black spots, they are more varied than you might realize. There are 5,000 species of ladybugs worldwide and more than 450 in North America alone! Interestingly, in addition to red, ladybugs also come in yellow, brown, orange, and even pink, with some sporting zebra-like stripes instead of spots. MIGHTY MATRIARCH Their colorful exoskeletons — formed from a protein similar to the one that forms our fingernails — are for more than just show. While they are harmless to humans, their appearance dissuades potential predators. When found in nature, vibrant colors indicate that an animal may be toxic and foul-tasting. Ladybugs can release a nauseatingly foul-smelling chemical to repel predators if a threat gets too close. Beloved by all for their colorful exteriors, ladybugs’ handy habit of preying on pests makes them a welcome addition to the garden and a vital part of a healthy backyard ecosystem. These spectacular beetles are a fixture the world over, and the more you learn about them, the more they will amaze you!
1007626-00005-00
| 3
Toll free (800) 828-2226
Fax (727) 577-4991
www.vermost.com
newsletter@vermost.com
Made with FlippingBook Ebook Creator