Category Archives: Uncategorized

A Useful Agent Insurance Marketing Tip

To be successful in any venture you have to have the proper mindset. All businesses are competitive to one degree or another, and with so many insurance agencies all working to secure a share of the market, agent insurance marketing strategies become an important part of your equation. As an insurance agent, you have to be aggressive, but likeable. You have to have a certain type of personality that comes across over the telephone; sincere, honest, informative, and helpful are just some of the qualities that can determine your success or failure.

 

Success begins with proper planning

 

The insurance industry is brimming with opportunities and your role in it will help ensure that you the capability to succeed, given the proper tools. You have to remember that you are a salesperson, and in order to be a successful insurance agent over the long haul, you have to accept your role as a salesperson and you need to be good at selling.

 

But you also need a good marketing strategy, and that starts by having a website that will draw the attention of potential customers and clients by displaying your company’s products and services and making them appealing to those visitors to the site. When you sell, your objective is to help people, to be a trusted advisor, and to educate and lead people down the path they want to go.

 

For example, if you are talking to a qualified prospect and you can convince that person that his or her insurance concerns can be greatly reduced by purchasing products or services that your company offers, you have helped to solidify a relationship that may lead to additional prospects via word of mouth. You did your job as a salesperson and the bottom line is you have proven you have what it takes when it comes to successful insurance agent marketing.

[Source: Agency Tsunami]

Abuse, Neglect in Nursing Homes Insurance

It is an unfortunate circumstance when your nursing home comes under fire from claims of neglect or abuse, but it happens. By law, a nursing home must provide care to maintain the highest possible physical, mental and social well being of each resident. Assisted living facilities are designed to protect residents by properly screening employees and keeping intruders and other unwanted visitors at bay.

 

Many states also require that nursing homes meet individual state standards relating to the type and quality of care required, and having nursing homes insurance can help out immensely when these goals fall short. Nursing home residents often require constant attention, and may not be able to communicate nursing home abuse or neglect from their caregivers, which has resulted in abuse that in turn causes illness, discomfort and sometimes, even death.

 

Nursing home neglect is often unreported

 

This is because it isn’t always physical abuse. All too frequently residents may experience emotional, psychological, and financial abuse or exploitation. It is important for you to note that abusers may be staff members, other patients and even visitors.

Signs that abuse may be taking place
If a staff member refuses to allow family or friends to see the resident or insists on being present during the visit, it is possible that abuse is taking place. Other examples of abuse are:

 

  • Withholding or not providing food according to prescribed schedule

 

  • Intimidation or use of threats

 

  • Not providing access to water resulting in dehydration

 

  • Medication errors

 

  • Poor toileting facilities leading to bedsores

 

  • Inadequate daily care and grooming

 

  • Failure to treat or provide emergency care for stroke or heart attack

 

As a care provider it is your job to recognize these signs and provide safety for your aging clientele. Nursing Homes insurance is an integral part of protecting your residents and your business.

Architect Professional Liability Insurance and Risk Assessment

Architects face a wide range of risks every day, from general liability to property damage (such as a fire) to employment practices and other areas of concerns. But architects like all professionals also face the possibility of litigation alleging negligence during the course of one’s work, including the work of the employees on client projects. These alleged negligent acts, errors, or omissions may cause damage to owners, contractors, or other third parties, and the architect’s firm may be found liable for these damages. What is needed to protect against such allegations should there be a claim is the purchase of architect professional liability insurance.

 

Moreover, there are other issues under the umbrella of professional liability concerns today, including problems that can arise from the use of unproven sustainable products and design in a project, tougher standard of care provisions, hidden electronic “meta” data in their offices, contracts that imply a fiduciary duty, and others. And once aware of possible risks, what actions should you take? What are the major considerations – including the cost of mitigating those risks, or worse, the cost of ignoring them?

 

Emerging Practices and Risk Management

 

You need to implement sound risk management practices and strategies to avoid costly litigation that could have devastating consequences. This includes making sure that you and your employees document all conversations, requests, etc. that take place between you and your clients, you and any contractors, etc. Be sure you follow-up with written correspondence so that there is a paper trail should you be faced with a claim down the road. If an issue arises with a client, take care of it immediately; don’t let it fester as this can cause problems down the road for you. If there are delays on a project, common on construction sites, ensure that your client is aware of the delays and why. The most common professional liability claims are due to missed deadlines.

 

Architect professional liability Insurance coverage in addition to implementation of strong risk management protocols will help you protect your assets and hard work and mitigate risk.

Designing Websites for Insurance Agents

Consumers have an enormous amount of choices for where to research and buy their insurance policies online. Your agency needs to give them a reason to visit you over all of those other websites. If they can’t find your website, then this puts you at a disadvantage. Not only do you want to be sure they find your agency’s website, you also want to be sure that it has the information they are looking for. Remember, the goal is for them to pick up the phone and call you.

Now, with the power and reach of social media on the Internet, consumers seek recommendations before practically every purchase. Your potential customers want to know more about the insurance agency they may do business with. Therefore you need someone who specializes in websites for insurance agents to design your site.

It will help if your designer also has a background as an insurance agent and understands what makes an agency tick. Hire someone who can design the perfect website for your insurance business, along with providing you with the tools you need to manage it yourself when you are ready to do so.

Website design solutions should include:

  • A content management system so your staff can make ongoing edits to your website
  • All the basics of search engine optimization ensuring your site has what it needs to rank higher
  • Code that is optimized to display on smart phones, tablets and desktop computers
  • Social media links and integration, and
  • Lots of add-ons including downloadable forms, videos, photo galleries, online quote request forms, staff directories and so much more

An appealing design consistency throughout your branding is crucial and a great designer will seamlessly integrate the visual identity for your insurance website into any and all of your other marketing needs. These are all valuable considerations when planning the construction of websites for insurance agents. Speak to a knowledgeable professional today!

Everyday Tasks at Nursing Home Can Result in Lawsuits

If you work in the senior care facility industry for any length of time, you are no doubt accustomed to dealing with illness and death among the resident patients; it goes with the territory of advanced age. However, sometimes employees may find themselves being named in a lawsuit alleging that a resident’s illness or death was due to negligence or error on the part of the caregivers—which is why you may be wise to consider purchasing nursing home professional liability insurance to protect themselves against such claims.

Employee negligence charges come from many directions

Claims alleging negligence by workers. In many cases, residents or their families sue based on a perceived difference in the amount of care they believe they signed up for versus the amount of care the resident is actually receiving.

Instances of wrongful death. When a resident dies, the family may believe that the workers and the facility are to blame—an error administering medication, a miscalculation in treatment frequency, mistreatment, abuse, or harassment of some sort. Choking to death sometimes occurs because residents often have difficulty swallowing their food. If staff doesn’t check to ensure that residents can handle eating on their own and they choke to death, charges of negligence could arise.

While a lawsuit may end up finding the accused workers not guilty of negligence or wrongful death, the financial costs to mount a successful defense (which may take years to resolve) can actually destroy you and/or your facility. You win, but ultimately you still lose. That’s why it’s so important to have nursing home professional liability insurance to cover the costs associated with legal defense.

Talk to a professional insurance agent about this valuable coverage and how it can help you and your facility be protected from the risk that comes from delivering the services you provide day in and day out.

Evaluating Your Current PA Workers Comp Policy

Any business that has employees is required by the state to carry workers comp insurance, and PA is no different. This is necessary in order for you, as an employer and owner, to pay for work related injuries to those people who work for your company. After all, the care for injured workers is a vital concern, and lawsuits for failure to cover your workers could completely devastate your business.

There are many top insurers available that work with specialty carriers and can find you the best coverage and most affordable rates. As well as being properly insured you should also seek advice on effective risk management services, claims analysis, and safety programs to help reduce the number of annual claims.

Not all policies are the same

Many business owners become victim to high-cost claims that could otherwise be avoided through the use of these services and programs, which once in place can help to deal with these injuries, saving you and your business money in the process.

Take a look at your current PA workers comp policy; does it provide adequate coverage for both long-term and short-term injuries? Is there room for improvements to your experience modification worksheet, payroll audits, and loss-sensitive rating adjustments? Speak to a reputable insurance specialist to see where you can make any necessary changes and where there might be problems or miscalculations.

It is important to remember that in case of injury or disease, workers compensation covers:

  1. Lost wages due to being unable to work
  1. Medical expenses incurred
  1. Permanent disability
  1. Rehabilitation, and
  1. Death benefits

Workers compensation can save you from costly lawsuits in case of on-the-job accidents and injuries, but more importantly, it helps keep your business running smoothly. But should anyone become injured, you can rest assured that they will get the medical treatment they require and deserve.

Equipment Breakdown and Food Manufacturers Insurance in San Francisco

Many business models depend on machines to keep their company’s operations running smoothly. Were even one of their pieces of equipment to breakdown it could cause a serious work stoppage that could have devastating consequences. As a food manufacturer, you depend on a lot of different types of equipment that must be regularly maintained.

Equipment breakdown is a serious risk that can have significant and potentially lasting impacts on your production. There is coverage available in the form of food manufacturers insurance in San Francisco that will cover you in the event that an equipment malfunction occurs at your plant.

No matter how sophisticated and well maintained a piece of machinery or equipment is, there is always the possibility that it can fail. And the reality is that not only can this lead to food spoilage, but there is the added risk that an employee could be injured. In any case this can be devastating to your business.

Types of equipment vital to food processing

There are many machines at work that need to be considered for coverage under an equipment breakdown policy. In addition to maintenance issues, some equipment eventually gets to be too old and unreliable, or a power surge or equipment failure could potentially wipe out all of your vital machinery, including:

•           A/C and refrigeration

•           Motors and generators

•           Pumps and compressors

•           Transformers

•           Stationary electrical equipment, and

•           Boilers and pressure vessels

With so many vital components required to keep your business humming, isn’t it a good idea to protect yourself from a potential work stoppage by having the necessary equipment breakdown coverage in place? The cost of this type of insurance is a lot less than any revenue losses resulting from an unforeseen work stoppage. Speak to an agent about the different types of food manufacturers insurance in San Francisco available to you today!

Creative Internet Marketing Ideas

The Internet presents plenty of insurance marketing opportunities for insurance companies. But while most of these Internet marketing campaigns are applicable to almost any type of business, they are better adapted to the niche you’re in so they can bring better results. For insurance agents, the key is to take these marketing ideas and fit them to your own marketing goals. Listed below are some of the best online marketing ideas to help insurance agents develop a workable marketing plan.

Building communities creates more opportunities 

Marketing online is all about building communities. You need to have a presence, whether you have a website or various social media accounts such as Facebook, Twitter and LinkedIn. Advertise, optimize, and be present where your target customers are.

The next step is to differentiate yourself from the competition by making the online presence of your insurance business helpful, valuable, and informational. The key is to attract insurance leads and make them come back to your website.

Facilitating interactions will help grow your audience

Insurance marketing ideas online offer better resources, compared to traditional marketing, to get real-time feedback from your customers. Via traffic monitoring tools such as Google Analytics, you can get insights on how customers interact with your online campaigns.

You can also make your website conducive to discussions. Being available, as much as possible, to respond to your network in your business pages is important. Make your online presence count.

Get people talking in the hopes your site will go viral 

The best marketing initiatives are not only free, but far-reaching as well. Design your site to be appealing, with creativity and insights. This will go a long way towards creating a community of insurance customers who are willing to endorse you to their network. By creating insurance Internet marketing initiatives that are shareable, they spread via word-of-mouth.

Staff Insurance and Start-Ups

Most entrepreneurs that start a staffing company have worked for other agencies as a manager, recruiter, or sales professional and usually have an understanding of what it takes to successfully start this type of venture. They also are keenly aware of the need for proper staff insurance to protect both the business and employees.
When forming a start-up staffing operation, there are certain steps you should take:

Defining your market

 

Whatever your background, defining a specialty staffing area can be the key to your success. Decide what sector you want to provide staffing for; accounting, finance, administrative/clerical, light industrial, healthcare, IT, or professional areas are a few industries that often require temporary staffing.
Defining your strengths and weaknesses

 

You will want to take on roles matching your strengths, and leave the other areas to professionals best suited to handle the other functions in your business. For example, if your specialty is business development, you want to be the one calling to get job orders and secure contracts. On the other hand, if you have a background in healthcare, you will probably want to work primarily in that marketplace, versus taking on IT or Accounting clients. Sticking with your strengths is highly advantageous in a highly competitive market.

Taking the plunge

 

The first step in opening any business is to incorporate in states that you are going to conduct business in. Consult with your attorney on setting up your business as a corporation, but putting a layer of protection between your personal and business assets is paramount when starting your business. You may also want to consult your accountant when setting up your business to inquire about what would be the best way to do this for accounting purposes.

 

Of course, also consult an insurance expert to secure proper staff insurance. You will need insurance for General Liability, Property, Employment Practices Liability and Workers Compensation, but you may also need to discuss the need or Professional Liability Insurance coverage as well.

Real Estate Development on the Rise in New York

Despite the market slowdown of the past few years, real estate prices are once again moving upwards and you may feel it is time to start developing more properties while things are getting good. Many smaller builders of residential projects can now enjoy healthy real estate investors’ shares.

 

Real estate properties are categorized as an age-old form of investment and continue to be one of the primary components of good and sensible investment practices. Investments in property can be done in a variety of ways and you may want to consider what is most suitable for you as an individual. Just remember when developing new real estate ventures, you will need real estate insurance in New York for a number of possible exposures, such as natural exposures, environmental exposures, liabilities and many other areas of concern.

 

Developing real estate requires a great deal of planning

 

As a developer, you may buy land, finance real estate deals, or build (or have contractors) build projects. It is your job to control and orchestrate the process of development from the beginning to the end, as well as developing the building program and design, which means that, as a developer, you generally take the most risk when it comes to the creation or renovation of real estate; but you also receive the greatest rewards.

 

The real challenge may be in determining the marketing of the property and obtaining the necessary approval and financing. While building the structure you should already be thinking about how to lease, manage, or ultimately sell it to make a profit.

 

In addition, be sure to work with a real estate insurance new york expert to make sure your property is appropriately insured during construction and once completed. Be sure all certificates of insurance are handled properly when dealing with contractors, tenants, and vendors.