Author Archives: Bud

Insurance Leads

Getting the Right Insurance Leads for Your Company

Working in insurance is never easy. There are so many options for insurance-seekers to choose from. How do you set yourself up for success in this diverse and crowded industry? The first thing you need to do is get the right insurance leads. Knowing who in your area is looking for insurance is a key aspect to your success. Where do these leads come from?

Marketing Agencies

Marketing agencies are great for generating and maintaining leads. Some marketing firms have telemarketing divisions which are designed to create, qualify, and convert leads. These agencies are an excellent source for the potential clients you need to start or grow a business. Many marketing firms also offer other services, as well. These can include appointment setting, email appends, and advertising to offer a more complete support system for your company.

Online Sources

There are also many online sources for insurance leads. Many of these sites have very credible sources and internet generated information to help you choose which potential clients you wish to contact. They can cater to many different insurance areas, like home or life, to suit whichever insurance area you serve.

Getting started in the insurance industry is a lot of work. There are many elements that go into running a prosperous insurance business. Setting yourself apart by finding the perfect insurance leads can be invaluable to your success.


Tom Vandenkendelaere at 14th Connect.Euranet debate on investing in youth for the future of Europe (license)
Jewelry Insurance Costs

Why Jewelry Insurance Is Important

The final jewelry insurance cost varies quite a bit depending on the value of the item being insured. For most items being insured in most areas of the United States, the cost of jewelry insurance is around one percent of the value of the item per year. For example, a diamon necklace valued at $10,000 would cost $100 a year to insure. This is a small price to pay to know that your valuable jewelry is safe and protected. Here are some of the reasons to consider adding the required jewelry insurance cost to your insurance policy.

Preserve Memories

Jewelry is often associated with precious memories, which is all the more reason to protect it with insurance. The money you get from your insurance agency after filing a claim can be used to replace or repair a piece of jewelry with as similar a piece as possible.

Wear Jewelry Without Fear

With jewelry insurance you can wear your favorite items anywhere rather than keeping them locked up most of the time. Insurance lets you enjoy your jewelry without worrying about losing your valuable investment.

Protect Your Investment

The value of most pieces of jewelry increases over time. This means that even if you don’t wear your jewelry often it is a good idea to insure it so that it can continue to grow in value.



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Nursing Home Care Insurance

3 Reasons to Purchase a Nursing Home Care Insurance

As the owner of a nursing home facility, you are responsible for your employees’ health and safety while they are on the job. Even though your facility is designed and equipped to keep accidents to a minimum, the fact is they can still happen. And while you offer your employees health insurance to keep them healthy and happy, if they are injured on the job you are responsible for their workers compensation benefits. Here are three ways nursing home care insurance works for you.

1. Protection Against Claims

This type of insurance is what keeps you from losing your money and your business. It offers you liability protection that alleviates you of responsibility and pays out if there are any claims brought against your business.

2. Protects Against Unexpected Events

If a fire or some other situation occurs where you experience a business related loss, nursing home care insurance covers the damages and pays out in a timely manner so that you are able to get your business back up and running again.

3. Provides Peace of Mind

Offers you some reassurance against personal claims, disgruntled employees and residents, and broken contracts. Without a good policy, you could end up spending a fortune trying to defend yourself and your nursing home against these risks.

In this day and age running a successful nursing home can be challenging. That is why you have to be diligent in choosing the right nursing home care insurance.


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Doctor Disability Insurance

Compare Individual Doctor Disability Plans With Group Policies

Dedication and hard work are two requirements for becoming a doctor and building a practice. An illness or mishap that prevents a physician from working may not only lead to a significant loss of income, but increased debt as well. Not surprisingly, nearly 100% of physicians in the United States are covered by some level of doctor disability insurance. Many of these plans, however, are group policies which may not go far enough to maintain the income level you have worked to achieve in the event you must miss work due to a disability.

Why Choose an Individual Plan?

There are several good reasons to investigate whether or not an individual doctor disability insurance plan is right for you. Some ways in which an individual policy differs from a group plan include:

  • Coverage in your own specialty
  • Benefit can increase with inflation
  • Rate guaranteed to age 65
  • Ownership of policy – may transfer to a new job or practice
  • Benefits are tax-free if you yourself pay the premium from post-tax income

Avoid Comparing by Price Alone

Group plans typically come with lower monthly premiums than single-owner policies, but the cost and benefits of a given plan may be measured by more than just the monthly expense. It is important when shopping to research the financial strength of the issuing insurance company, as well as understand how the company defines disability. Be certain the policy you buy is sufficient to protect the practice you have built.


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Business Insurance in Hazleton Pennsylvania

Strengthen Your Business by Taking Advantage of Risk Management

Every business faces risks. It’s virtually impossible, especially in the ever-changing business world, to form a company that’s risk free. However, there are steps you can take to minimize the problems these risks cause. If you know exactly what form the threats to your company take, you will be better equipped to handle them. The practice of evaluating your business’s threats is known as risk assessment and management, and it’s a vital part of superior business insurance in Hazleton, Pennsylvania.

Breakdown of Risk Management

There are many factors that go into creating a viable risk strategy for your business. When you partner with reputable insurance agents, they will determine your company’s risk based on:

The results of the specific inquiries will help insurance agents assign your business the proper coverage. They may even work with your company to resolve certain threats, further reducing your overall risks.

Empower Your Company

Knowing what threats your business faces is one of the best ways to protect it. You will be able to select the proper business insurance in Hazleton, Pennsylvania and help safeguard your company’s financial future. Empower your business to overcome its threats by performing a risk assessment. You can only tackle your risks once you know what they are.


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Equine Mortality insurance in Tennessee

Coverages for Agricultural and Farming Operations

Agriculture and farming are integral parts of the region, but do not come without risk. Whether you are looking for general liability or equine mortality insurance in Tennessee, there is plenty available to you. Here are three types of coverage you may want to check into.

Farm and Ranch Coverage

Whether you have a large commercial agricultural operation, multiple locations, or a small acreage farm, this comprehensive policy can help you protect yourself and your assets. It covers structures such as dwellings as well as personal property with the farm and within the household. It also works in cases of use-rental value loss.

Farm General and Personal Liability

This type of policy can protect you when custom farming totals are less than $10,000, as well as automatically covering any spaces you have recently acquired. It protects in personal injury and non-owned vehicle incidents as well as situations involving advertising. In cases of catastrophic liability, you can receive protection with umbrella coverage in amounts upwards of $25 million.

Equine Mortality

This is key when you want to protect your equestrian sect. No matter the breed, you can have your horses covered for diseases, illnesses, accidents and injuries. Equine mortality insurance in Tennessee can be obtained for both major medical issues and surgical procedures. The policy can include horses of all disciplines including those used for showing, racing and recreational riding.

Insurance for your operation is integral in keeping you and your business protected. With a little research, you can create the policies that are customized for your needs.


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Insurance is the Keystone of a Great Architecture Firm

Insurance is the Keystone of a Great Architecture Firm

Architects understand that the signs of a well-constructed, beautiful building are often in the details. Similarly, a strong business is often defined by the small but wise decisions that business owner has made. Investing in professional liability insurance is one such small but important business decision.

Professional Liability Defined

Many professionals carry professional liability insurance. The most well known type of this insurance, also called errors and omissions insurance, is the malpractice insurance that doctors carry to protect them in case of medical mistakes. The professional liability insurance architect firms hold often protects them from problems related to timing, structural issues, or environmental concerns but can be customized to address even more unique exposures.

Qualities of a Great Insurance Agent

When shopping for an insurance agent, there are few key qualities to watch for. As with any service professional (architects included), a great insurance agent should be personable. They should be capable of discussing their business in a way that it is easy for you to understand. Great insurance agents are also willing to learn about your business. Many agents have worked with architects in the past. These agents are best suited to develop the professional liability insurance architect firms will find most useful. Experienced agents are also best able to handle claims if they are filed. Choosing to purchase professional liability insurance is a good business decision. Choosing to purchase professional liability insurance from an experience agent who knows the architecture industry is a great business decision.


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Insurance Websites

Making Your Mark on the Web

Technology has changed nearly every industry, and insurance is no different. Anyone with experience in the field knows that you need to keep up if you want to succeed. It no longer works to simply place print ads, no matter how many publications you do it in. A company needs to create insurance websites to bring their services to the widest possible audience, since the majority of people do their insurance shopping online.

While having a website is essential, it is only the first step. Next, it should be optimized for the most efficient use possible. This can be difficult or even impossible to do on your own, especially for those with little knowledge about building a website. Marketing services can be a big help in this area. They are able to provide experienced website construction skills, as well as marketing strategy. Bringing the two together enables you to take full advantage of this online platform and greatly increase your client base.

These services use cutting edge techniques to generate high amounts of traffic to your site, which can in turn become customers. You are not just building insurance websites, but creating a brand and spreading it to all the right people. Don’t let these vast technological resources go to waste, and get your name out there with a site that is both expertly made and marketed.


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Employment Practices Liability Insurance

Understand the Importance of Employment Practices Liability Insurance

As a business owner, many of your decisions affect your employees. Sometimes these decisions are upsetting, and workers will alleviate their frustrations by filing a claim against your business. This is why it is important for you to have employment practices liability insurance.

What Does an Insurance Policy Cover?

Liability insurance is designed to protect businesses against several types of claims, including:

  • Discrimination
  • Wrongful termination or discipline
  • Sexual or religious harassment
  • Wages and hours claims
  • Breach of contract
  • Emotional distress.

Insurance policies are used to protect director and officers, management personnel, and clients who are subject to the workplace environment. Coverage can also be extended to non-employees who are affected by workplace actions.

How Does a Business Receive Coverage?

Employment practices liability insurance is written on a claims-made basis, and you must report claims by a certain date if you expect to receive coverage. Any events that led to the claim must have also occurred on or after a specific date. There are services available to businesses that allow them to report earlier claims, but you will need to contact your insurance agency to see if these options are available to you. If a lawsuit is brought against your business, employment practices liability insurance can cover any defense or settlement costs that arise. Do not let your business remain vulnerable. Contact an insurance agency and secure protection.


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Workers Compensation Insurance PA

Think of Workers Compensation Insurance as an Employee Benefit

Although your business is required to carry workers compensation insurance in PA, most employees have no idea how much money is paid toward this benefit. The more you have to spend to carry this insurance, the less money your company has to put toward other employee’s compensations. Inform your employees about your insurance costs and teach them to put safety first to reduce your expenses.

Hold regular safety meetings to train employees to be safe on the job. A quarterly video or program that lasts around 30 minutes reminds your staff to put safety first. Your insurance company has resources available so you don’t have to spend your valuable time finding the program.

Make sure your employees are using safe equipment. Lead by example. If everyone is supposed to wear safety glasses when they are in a certain area, make sure that you always do when you go there. It may be an inconvenience, but someone has to set the standard. Your employees follow your example. Consider making one person responsible for coordinating safety efforts within the company and giving them authority to make necessary changes.

Reward your employees when the premiums on your workers compensation insurance in PA are reduced. When they go a year without an accident, show them that you appreciate their diligence and hard work to remain safe on the job. Show them it benefits them to take care of your business.


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