David makes you realize “having insurance” is not the automatic solution when you must rebuild, and there are factors that seem destined to derail the best-laid plans. But David has that unique ability to minimize those factors based on one simple goal; getting you back up and running as quickly as possible, plus knowing the additional issues facing you once you reopen your doors. Most importantly, his knowledge and understanding of the “fine print” in the various available insurance coverages allowed him to craft our insurance programs and plans, making it possible for us to thrive today.

We buy insurance because we want to be made whole again when we suffer a disaster; we want to be back in business. I would think most businesses do so for the same reason.

In looking back, I would not wish the devastation I went through on my worst enemy. However, it became clear that how I bought my insurance before David was not the best way to buy insurance. In hindsight, following that old way seems to reinforce renewing my insurance with my old agent year after year, typically with minimal changes, if any at all, despite my continually growing business; that way is an inefficient process that rewarded an ineffective agent. You may not like insurance and probably do not like paying premiums. Just imagine paying premiums for years or decades, and when you need your insurance the most, your heart sinks when you discover you did not buy enough, nor did not buy the right coverages.

Trust me; after your disaster is not the time you want to find out you have a problem.

After my fire, many business leaders reached out to me to see how I was doing and discuss what I went through and what I learned. During those conversations, one thing struck me as scary. What was genuinely concerning was that it appeared that almost every business I spoke to purchase their insurance the same way I used to.

I cannot stress enough that it took going through the process of David and his team analyzing my business to clearly see that there was a better way to buy and manage our insurance program.

Their assessment process we went through was unlike anything I have experienced before, and when talking to other business leaders, the extent of their analysis is something others cannot seem to grasp until they too experienced it themselves fully.

Think about it, without a deep analysis that creates a clear understanding of a business, the goals, and what issues are being faced, how could anyone truly advise a business leader? How could they understand your business well enough to help you be appropriately insured to survive a disaster? And help you plan for that disaster? The assessment findings and action plans David showed us, even before we committed to working with him and his team, made it clear that they understood our business. He knew what it would take for us to be properly insured and had a plan to get us through the rebuilding, reopening, and business recovery phases needed after a disaster. It also showed us that David and his team were solely focused on helping us and not themselves.

I feel fortunate to have met David and have him be part of the team that helps me guide my business. I just cannot say enough about David personally and professionally. He is always in our corner, advising us as to what we should be considering, and he has always controlled and even reduced our insurance costs over time, but not at the sacrifice of our program’s coverage. I believe that is because he always has our best interests at heart.

With this book, David Leng puts it all on the page, so you know where you stand before anything happens. And that alone makes this book a must-have for every business owner.