Month: August 2016

Maintaining a Successful Insurance Agent Website

Insurance Agent Website

The right marketing approach can have a tremendous impact on the success or failure of any business. This includes being represented by the best agents, and providing the type of support that creates opportunities to succeed. Some examples of tools and strategies that often get results consist of providing free reports and newsletters, engaging in joint ventures and hosting workshops or being involved in community gatherings. These are the types of things that are designed to build relationships with prospects that will hopefully become clients down the line.

Only by developing an Insurance Agent Website that truly reflects all of the positive aspects of the company and its capabilities will visitors be enticed to solicit information about the products and services being offered. A well-designed site will make all the difference when it comes to landing prospective clients that have a need for the services that you provide.

The primary goal will be to close the deal

You need dedicated agents who will respond to the many queries with a sincerity that makes prospects feel comfortable talking about their insurance needs. They represent the organization and if they do their job well this makes generating sales a bit easier and will lead to profits. As with any business, the highest priority is to make a profit and that is accomplished by prospecting, closing deals and servicing accounts.

Having a list of frequently asked questions and the answers to those questions helps gain confidence and trust from the person making the inquiry. Agents should practice, drill and rehearse what they plan to say prior to making the calls so that their conversation flows naturally, which will also ensure that they say exactly what they intended to convey, using the most effective words possible.

But in order to even get to this point, those in charge of the Insurance Agent Website design must figure out exactly what will achieve this goal. It might be helpful to follow the best practices of many of the more successful agencies currently operating on the web since smartly produced insurance websites always draw the most visitors and this creates opportunities to garner the desired results.

Marina Insurance Brokers Can Provide Excellent Coverage

marina insurance brokers

As an agent, you know that purchasing insurance for a boat or yacht can be a bit more complex than insuring vehicles. Boats require specialized coverages, which includes a variety of items such as navigation limits, liability coverage, aftermarket product coverages and other factors that an experienced marina operator already understands.

Those new to these types of operations need to understand that this is a business that involves yachts and other sailing or motorized boating vessels and there’s a need to properly protect such large investments. Qualified marina insurance brokers aid their clients in purchasing marine insurance that provides for any and all circumstances they may be likely to come across.

Different types of coverage they’ll need to consider

There are so many risks and exposures faced when running a company that caters to a clientele that enjoys many different water-related activities. This includes such things as fishing, sailing or simply exploring different coastlines with caves and bays and all of the wonders of the oceans, so having the right policy in place will increase their level of comfort and that’s something that your clients should be entitled to enjoy as well.

Help owners understand that they can choose from a list of available products and services, including a real and personal property policy, one specific to a yacht dealer, and one for equipment, lifts, and tools. In addition, if they invest time in boat shows or exhibitions, operate a business that builds and sells owned watercraft, or need a policy for piers, wharves and docks, show them a list of agencies geared to help with any and all of these business lines.

Liability coverages

There are obviously a lot of different options to choose from and not all boating companies are the same. Every owner needs to take into account which policies are relevant to the business they own and operate, and this may include any of the following:

  • General liability
  • Products completed operations liability
  • Marina operators legal liability
  • Protection and indemnity
  • Ship repairers legal liability
  • Commercial automobile
  • Pollution, and
  • Bumbershoot

Coverage for employees is a vital necessity

In order to run their business properly they’re likely going to need quite a few employees. This means workers compensation insurance, depending on the number of full time employees in their care. Speaking on behalf of marina insurance brokers, you can help answer any questions pertaining to marina insurance coverage to facilitate any clients needs.

Having Good Building Owners Insurance is Vital

building owners insurance

A building owner has a lot of responsibility, both to tenants operating an office or retail business in one of their properties, as well as to themselves because of the value of the property. A lack of coverage, or inadequate coverage, may result in a host of problems, including jeopardizing the reputation of your business along with serious financial loss.

We suggest you conduct a complete risk assessment of your operation and its exposures to determine how to address your risks effectively. Building owners insurance coverage will certainly do the trick, but it’s important to know which types and how much insurance you’ll actually need in order to be fully covered.

Understanding the policy language is important

Before you buy any insurance you should read your policy carefully. You may need to buy additional coverages or separate policies (such as flood, windstorm, or crime coverage policies) to fully protect your building. Commercial property insurance coverage comes in many forms. Depending on the type of business you’re running, apartment buildings, retail and office space, storing, shipping and warehouse, or a building used for some other type of operations, you need to find available coverages specific to your general needs.

The success of your properties may well depend upon how well you maintain and manage your leased buildings, as well as on having the proper insurance coverage to minimize the impact on tenants while protecting your investment from losses should some unexpected event occur.

As a building owner, when you’re renting to tenants you should be fully aware of just how both the type and amount of insurance a tenant has (or doesn’t have) impacts you. If a tenant has no renters or liability insurance, then you as a building owner are at risk if something should happen to go wrong.

Ideally every lease should have an insurance clause that states the insurance requirements for any tenant who rents space from you. By requiring tenants to carry coverage you can avoid many disastrous scenarios. In any case, you should only rent to people and businesses that fully understand the importance of having coverage and, just like you’re carrying building owners insurance, they should also carry a policy that protects their interests as well.

Cyber Concerns and Austin Business Insurance

austin business insurance

The risk of hackers infiltrating all types of businesses has become so prevalent that it regularly makes the news. Cyber security is important for companies of all sizes. Many small businesses are now being targeted and are equally at risk for cyber attacks as large companies and should therefore be prepared for a possible breach at any time.
Thankfully companies in the area can greatly benefit from austin business insurance that deals specifically with cyber theft and cyber breaches. Not only are hackers a concern when it comes to breaches but even those within the company can be responsible for getting into your system and stealing data, either unintentionally or on purpose.

Laptops can provide access to sensitive data

Sensitive information exists in most companies computer records and if an unauthorized individual is able to access a company computer then you could be at risk. For example, an employee who takes a laptop home from work could have it stolen and this could result in a loss of personal and confidential information. Any business that collects and stores sensitive information from customers, as many now do (and this includes everything from credit and credit card information, contact information, social security numbers, and confidential medical information) is at risk of a data theft.

Ways to prevent your company from experiencing a breach

You should instruct all employees to change the passwords used to log into technology systems on a regular basis and to avoid emailing sensitive information, or use a secured email service. Have employees lock their computer screens whenever their desks are unattended and never open strange email attachments or click unusual links in emails, especially from unknown senders. Make it a company policy to restrict access to unescorted and/or unsupervised visitors walking through your office, and have a written technology policy in place so that all employees understand the expectations and rules regarding how your business handles sensitive data.
To protect your small business from these exposures, consider a cyber liability austin business insurance policy. Speak to an agent that can help you identify the risks your business faces from data theft and also help you identify the right policy to cover those exposures.

Valuable Insight on Insurance for Nightclubs

insurance for nightclubs

As a nightclub owner, you can greatly benefit by partnering with an insurance broker familiar with the specific types of coverage you’ll likely need to be fully covered in the event of an accident or loss. There are many programs available on the market when it comes to insurance for nightclubs, and you should take the time necessary to find a comprehensive and detail-oriented agency that will provide you with the best products and services available for your industry.

The hazards involved in operating nightclubs are numerous. You’re likely going to need a number of insurance policies to cover everything from property damage, liabilities to patrons and the public, health insurance and workers compensation, and even disaster coverage. This will be necessary regardless of the size or the scope of your business. The right agent will provide you with services that will address the same risks and exposures that could cost you a fortune without the right coverage in place.


Liquor liability insurance is among the most vital coverage issues

Liquor liability is a major concern in this industry, something that is a necessity to your nightclub insurance package. Alcohol can create many issues and many of the claims and lawsuits against establishments of this type circle around the sale of alcoholic beverages. A liquor liability policy is a must because its the kind of insurance that protects you from any problems that may arise from the consumption of alcohol, including unintentionally selling to minors, or what may occur to (or because of) customers long after they leave your establishment.

Event liability insurance is something you may or may not need depending on whether you allow others to rent your space. It is a one-time policy that covers a specific group event and for a specific date and time. Then, if there is damage to your club, or any items are destroyed during their event your insurance policy will help cover the amount of the damage.

Remember, that before you buy any insurance for nightclubs, speak to a reputable agency that can guide you through the different available coverage options so you can make an informed choice. This is important for any establishment that wants to survive in this competitive industry. Being under-insured or uninsured means being one drastic event away from disaster!

Protecting High Value Items with an Insurance Agency in New Mexico

Insurance Agency New Mexico

When moving to a new residence it’s important that you take the necessary precautions to ensure that those valued items are not damaged, stolen, or otherwise unaccounted for. Documenting these items by inventory is the most logical way to keep track of any items of higher than average value. Enlist a reputable shipping company that generally handles items of this nature.

If you choose to work with an independent moving company, smaller items of value, or personal documents are best hand carried by the owner, and make sure appraisal documents are kept secured, and all items are properly documented and signed for. Working with an Insurance Agency in New Mexico will help provide the peace of mind that all of your valuables are properly insured and any losses will be compensated for.


Keep an inventory of all high value items

Cash, coin collections, rare or personal documents, jewelry, collectibles (such as memorabilia), and all stocks, bonds, and other certificates of value should never be entrusted to a moving company. Keep in your possession at all times. Other objects of high value that are bulkier, and may require crating, such as paintings and statues (which will to be transported by a moving company), must also be properly documented and identified prior to being entrusted to movers.

A recent appraisal of the items should be considered a necessity. If lost or damaged during shipping their value will have to be substantiated by your insurance company in order to justify any claims before reparations are made. It’s usually wise to invest in a moving coordinator to help identify any items of value and help to document them during the initial moving estimate. Act responsibly by creating an inventory list, and detailing a description of each item, along with its current value. Its also a good idea, once finished, to go over the list to ensure that all items are listed and accounted for. Photos of all items being transported should be taken in the event it becomes necessary to file a claim.

Remember to include antiques, rare books, china sets and crystal, fine art, furs, and expensive figurines and silverware in your list of high valued items. When entrusting valuables to a moving company it’s vital that documentation is thoroughly done to ensure accountability on every level, and that your Insurance Agency in New Mexico is notified that these items will be in transit, making sure that they are properly insured as well.

US Entry and the Custom Clearance Bond

custom clearance bond

As those dealing in freight forwarding and cargo contingency fully know, US customs reviews entries in a multi-step process. Generally, the freight is released to the importer before the process is complete. Customs therefore requires that a bond, which acts like an insurance policy, cover commercial entries. It acts as a guarantee that an importer will, once the freight is released, agree to pay duties in a timely manner (often within ten days if processed through a broker).

They must also agree to make or complete a proper entry, to produce documents and evidence when requested, redeliver the merchandise to customs custody, if necessary, and to rectify any noncompliance with the provisions of admission. Also, in order to receive a custom clearance bond they will need to agree to the examination of the merchandise and to use the freight in the manner dictated by a special-use provision entry, as well as comply with customs regulations, electronic entry requirements and advance cargo information filing requirements. They must also take responsibility for the consequences of any damages charged against the bond in the case of default.

Important information to know

The primary purpose of a customs bond is to guarantee the payment of import duties and taxes, as well as to assure compliance with all laws and regulations governing the entry of merchandise from foreign shipping points into the US. For restricted merchandise, including anything requiring a declaration to the FCC, FDA or other government agency, the bond is required to cover three times the commercial invoice value.

For items considered to be non-restricted merchandise, the bond must cover the commercial invoice value plus the duties and taxes applicable to the shipment. A Single-Entry bond needs to be filed in hard copy format to customs at the port in order to obtain a release. The documents are sent by courier to customs, reviewed by an inspector, subsequently released, and then returned to the broker’s office by courier. Remember, for time-sensitive cargo, that all of this traveling of the paperwork will often take some time.

Speak to an insurance agent knowledgeable about the custom clearance bond process, and also in surety and risk management solutions for supply chain and transportation intermediaries.

Providing the Best Insurance Marketing Services

insurance marketing services

When it comes to insurance marketing, the Internet is full of advice on how to become a better salesperson. One way to accomplish this is by generating more leads, but a good insurance lead doesn’t automatically guarantee closing a deal. Naturally, agencies can better their odds of success by working each and every lead in the most efficient manner possible.

When it comes to insurance marketing services, they’re geared to help your agency become more successful. Many agencies look for help in improving their image and getting brand exposure, and plenty have been doing this for some time and already know what works best for them. However, there are a few steps that some of you can take to maximize chances of closing more deals.

Be diligent when working new leads

It’s important to make contact as soon as possible, while the iron is hot. The sooner contact is made with an interested consumer, the better the chance of actually making a sale. By waiting, you’re simply leaving the door open for other agents to make a pitch, and possibly allowing the opportunity of making a quick sale go out the door.

While it would be nice if agents could close every insurance lead after one phone call, and this may occur at times, it isn’t very common. You’ll likely find that contact must be made to a potential customer several times before actually making that sale. So continue to work every lead until all avenues have been fully exhausted.

While lead generation methods such as organic SEO, direct mail and telemarketing require lots of effort, there are still advantages to including them in any insurance marketing services plan. Of course Internet leads are often a great resource, but try to diversify efforts to improve the odds of your success.

Know your limits

Some companies manage to keep up with any demand regardless how many leads are purchased on a daily basis. While this sounds great, remember to set a budget to ensure that your agency doesn’t spend their entire marketing budget on one avenue. The idea should be to make a profit, or at least break even. Realize that not every lead purchased is going to be converted into a sale, but that should be the goal at all times.