Issue link: http://digital.canadawide.com/i/500391
istock s u m m e r 2 0 1 5 | g o i n g p l a c e s 51 pany and your business, including the type of business you're operating, its annual income and amount of exposure (risk) involved. If the home business qualifi es, there will be an additional premium, but it's minimal consid- ering the cost of having to replace all of the business needs should something happen, such as fi re or theft." Reeves also notes that home business coverage within a home insurance policy has a limit, and depending on your business, the amount of coverage may not be enough to fully protect you and any expensive equip- ment or materials. It's in your best interest to be honest with your broker about the value of all business materials in the home. If your home business doesn't qualify or you need more protection, there's still hope through a commercial policy, however your home insurance may still be aff ected. Talk to your insurance broker to ensure the building and personal contents are still adequately covered. To make matters easier, you may want to use an insurance company that pro- vides both home and commercial insurance, such as CAA Manitoba Insurance. is ensures your broker has a full understanding of all your insurance needs. Not informing your insurance company about a home business can result in future claims being denied or non-renewal of the policy. Always be upfront with your broker when obtaining a new policy or renewing. t r a v e l Q We want to take our grandchildren to the U.S. for summer vacation. Since their parents won't be travelling with us, what sort of paperwork do we need to avoid a problem at the border? A To prevent any hassle at the border, Gloria Bage, a CAA Manitoba travel consultant, suggests bringing a con- sent form from the parents or guardians that explicitly states you have permission to take the children out of the country. e letter should also include the parents' contact infor- mation. e Government of Canada provides an easy-to-follow template (travel.gc.ca/travel- ling/children/consent-letter) that a parent can fi ll out to generate a suitable consent letter. Bage also emphasizes bringing the chil- dren's medical insurance information too – it saves a lot of trouble in emergency situations. And, fi nally, don't forget the children's pass- ports. It's mandatory for children and adults of any age to carry a passport with them when crossing international borders. For more information, call Bage or any one of the CAA Travel consultants. GP For all your travel, insurance and automotive needs, contact your local CAA Manitoba service centre.