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CTRP http://www.ctrp.org Trauma Care Mon, 24 Nov 2014 12:45:19 +0000 en-US hourly 1 Top Tier Professional Liability Insurance for Every Client http://www.ctrp.org/2014/11/24/top-tier-professional-liability-insurance-every-client/ http://www.ctrp.org/2014/11/24/top-tier-professional-liability-insurance-every-client/#comments Mon, 24 Nov 2014 12:45:19 +0000 http://www.ctrp.org/?p=308 Get top tier coverage for your clients with the right liability insurance. Professional liability insurance cost should always be compared to the worst case scenario. Your high risk clients need to find top coverage for the right price. Instead of guessing what the best option is, consider the facts.

 

What Your Clients Need to Stay Protected

 

It is no secret that different insurance brokers are not equal. Your clients deserve the best coverage. Additionally, your clients need individualized options and attention. A few essential items to consider as well as professional liability insurance cost include:

 

  • Specialized options that address the risk of various professions
  • Customized coverage programs for almost all clients
  • Quality protection
  • Competitive rates and terms

 

Insurance Customized for Each of Your Clients

 

Different professionals have different needs, and there is no one-size-fits all approach for all industries. Your clients deserve specialized options, and you deserve to work with a top wholesale insurance brokerage company that cares. All gaps and risks will be identified, and your clients can benefit from exceptional service.

 

Never Put Your Clients at Risk

 

You should never have to put your clients at risk. Instead of guessing which insurance brokerage company will best meet individual client needs, work with a company that has helped provide coverage for decades. Be confident that you made all of the right decisions for you and your clients.

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Three Ways to Get More Customers for Your Insurance Agency http://www.ctrp.org/2014/11/24/three-ways-get-customers-insurance-agency/ http://www.ctrp.org/2014/11/24/three-ways-get-customers-insurance-agency/#comments Mon, 24 Nov 2014 09:30:53 +0000 http://www.ctrp.org/?p=305 If you have an insurance agency, then you know that customers are the lifeblood of your business. Every policy you sell to them makes you money. Finding these customers is not always as easy as it sounds. That is why so many people take advantage of insurance agent marketing to help them find success in their endeavors. The following are three ways you can get more customers for your insurance agency.

 

  1. Insurance Leads

 

Many insurance agencies purchase leads to help them attract quality customers. This eliminates much of the time involved with telemarketing. Your representatives will spend less time cold calling and more time talking to people who actually need insurance.

 

  1. Email Marketing

 

You can also target customers and potential customers through email marketing. This is insurance agent marketing tactic can be extremely successful. People spend a lot of time on the computer and commonly communicate via email. With the right campaigns, you can boost your sales, find new customers, and retain the customers you already have.

 

  1. Internet Marketing

 

In addition to email, it is smart to take advantage of the Internet to grow your business. Search engine optimization and social media are just two methods that will help you reach more customers. There are others as well.

 

All of these resources can provide you with a return on your investment. They are worth your time and money if you are looking for more customers.

 

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How to Select the Best Employment Agency Insurance Provider http://www.ctrp.org/2014/11/18/select-best-employment-agency-insurance-provider/ http://www.ctrp.org/2014/11/18/select-best-employment-agency-insurance-provider/#comments Tue, 18 Nov 2014 17:00:48 +0000 http://www.ctrp.org/?p=302 When it comes to matters of protecting your employment agency, it is always of paramount importance to work with companies that are able to boast a great deal of experience and expertise. As it specifically relates to employment agency insurance providers, it is incredibly valuable to carefully evaluate your options based on the following qualities:

 

  • Specific industry experience
  • Comprehensive insurance packages
  • Ability to assist in making staffing agencies successful

 

Taking the time to evaluate these specific qualities will go a long way toward ensuring that you end up with the best possible protection available.

 

Specific Industry Experience Is a Must

 

There is no denying that the staffing industry is very unique and this requires a detailed understanding of its many subtleties. This sort of understanding is likely to be found in an insurance provider that has specific industry experience. Make every effort to work with an insurance provider that has this sort of experience, as this will help to ensure that the employment agency insurance you end up with is able to properly protect your business.

 

Ability to Help Staffing Agencies Succeed

 

An experienced employment agency insurance provider should be able to reference a track record of successful interactions with other businesses in the industry. Identify an agency that can point to specific instances of success in the industry, as this will be very helpful in making sure that your business is able to properly minimize risk.

 

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A Guide to Insurance for Nursing Homes http://www.ctrp.org/2014/11/13/guide-insurance-nursing-homes/ http://www.ctrp.org/2014/11/13/guide-insurance-nursing-homes/#comments Thu, 13 Nov 2014 15:30:15 +0000 http://www.ctrp.org/?p=297 These days many employers opt to purchase insurance to protect their employees and their institution. Healthcare facilities, in particular, face many risks from the day they open their doors. With insurance for nursing homes, operators can rest easy that they are protected against the specific type of issues they might encounter.

 

There Are Many Types of Insurance Available

 

There are a variety of insurance policies on the market today. From car insurance to professional liability, companies offer many types of coverage with a range of applications. Some providers offer policies that are customized to suit a particular niche market. There can be big advantages to selecting an insurer that is experienced in serving a particular type of client because they will likely be familiar with the risks they face.

 

Selecting the Right Policy Is Key

 

Some providers offer insurance for nursing homes that is specifically tailored to the needs of that market. When shopping for coverage, nursing home operators should start by assessing their risk exposure. Policies might include protection such as:

 

  • General liability
  • Abuse and neglect
  • Employment liability
  • Automobile, including coverage for facility vans and buses
  • Directors and officers

 

Nursing Homes Are Well-Served By Policies Tailored to Their Needs

 

Once a facility operator has a general idea of the types of coverage available, an experienced insurance provider can help identify the particular policy or policies that will be most appropriate for their situation. With any luck, the operator will have insurance for nursing homes that meets their specific needs in no time.

 

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How to Build Your Life Insurance Policy http://www.ctrp.org/2014/11/12/build-life-insurance-policy-2/ http://www.ctrp.org/2014/11/12/build-life-insurance-policy-2/#comments Wed, 12 Nov 2014 10:00:56 +0000 http://www.ctrp.org/?p=292 Building your life insurance is an important step in purchasing a Connecticut life insurance policy. There are different types of policies out there that offer different sorts of benefits. Your choices may be limited by what you actually qualify for.

 

Consider Your Life

 

Your lifestyle will likely affect the amount of life insurance that you can purchase and the terms of that insurance. For example, people who smoke every day might need to pay higher premiums than people who do not smoke. Consider your lifestyle and risks to determine what sort of insurance might be best for you. An agent should be able to help you analyze your risks and insurance needs.

 

Consider Your Family

 

Think about how many dependents you have and what sort of financial assistance they will need if anything should happen to you. You want to choose a policy that will give your beneficiaries what they need to get by without you for a while. The higher your policy payout is, the higher your premium is likely to be.

 

Examine Your Options

 

You will likely have several different options for your Connecticut life insurance policy. One choice you will need to make is whether to go with term life, whole life, universal life, or variable life. You will likely determine what you qualify for during the application process. From there, you can decide what sort of policy you can afford and will best meet your needs.

 

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Hospital Professional Liability Insurance Options http://www.ctrp.org/2014/11/08/hospital-professional-liability-insurance-options/ http://www.ctrp.org/2014/11/08/hospital-professional-liability-insurance-options/#comments Sat, 08 Nov 2014 09:45:45 +0000 http://www.ctrp.org/?p=286 Simplified Hospital Professional Liability Insurance options offer comprehensive coverages and endorsements to address the needs of the current marketplace. The range of options available for tailoring policies covers specific industry-related risks.

 

1. Hospital Professional Liability

 

While medical malpractice coverage rates are static, trends indicate that costs are on the rise in a significantly cyclical manner. For that reason, insurance options cover liability for professional errors, acts, or omissions of hospital employees. Examples of coverage include:

 

  • Employee coverage (including nurses and physicians)
  • Hospital coverage from acts or omissions regarding professional services
  • Claims coverage

 

2. Physicians and Surgeons Professional Liability

 

Integrating the costs of physicians and Hospital Professional Liability Insurance can yield variable and substantial cost savings. Consolidating policies by migrating from traditional insurance carriers to captive ones is a valuable strategy that makes financial sense. A few strategies include:

 

  • Separate aggregate limits for a limited liability company, partnership, association, or corporation
  • Individual coverage for patient injury resulting from services rendered by a physician, surgeon, or hospital employee
  • Claims coverage in connection with a hospital professional liability policy

 

3. Miscellaneous Professional Liability

 

Policies that providers write on a combined basis cover areas that could apply under either policy. For instance, typical combined claims and occurrence coverage policies involve:

 

  • Blood banks
  • Diagnostic testing laboratories
  • Allied health-care partners

 

Liability insurance coverage policies provide a proactive approach to risk management for hospitals, physicians, and staff. Strategies that focus on providing flexible and professional long-term liability insurance begin by combining the broadest insurance coverage possible with captive insurance carriers.

 

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Shopping For Connecticut Life Insurance http://www.ctrp.org/2014/11/07/shopping-connecticut-life-insurance/ http://www.ctrp.org/2014/11/07/shopping-connecticut-life-insurance/#comments Fri, 07 Nov 2014 15:00:08 +0000 http://www.ctrp.org/?p=279 At some point in their lives most people, particularly those with a family or young children, turn their thoughts to the very real need of purchasing life insurance. Connecticut residents should not be consumed with thoughts about what might happen if they were to die unexpectedly and their family didn’t have the proper means to keep up the mortgage, pay bills, or even put food on the table.

Connecticut life insurance has a specific purpose; to give the valuable support one needs so that they don’t have to be worried about leaving a loved one behind with no means of support. After all, we live in a beautiful state, surrounded by state parks and amazing shorelines in areas like Milford, Guilford, Essex, and Mystic. Everyone here should be free to enjoy all that makes Connecticut beautiful.

Talk to an agent about any personal needs or concerns

Everyone needs to make sure that they are getting the best policy to fits their needs, both current and future. Speak to an agent that can assist with the right policy and a price that is comfortable and affordable. This should be the agent’s number one priority, because there is nothing like the peace of mind that comes from knowing that family will be taken care of in the event of the untimely death of their breadwinner.

While many people realize they have the need for life insurance they don’t foresee themselves dying anytime soon. But in reality, people die unexpectedly every day, whether as a result of driving on the I-91, or being the victim of one of various natural disasters, such as severe thunderstorms, flashfloods, snowstorms, hurricanes and tornadoes.

Then there’s always the threat of a serious, and unforeseen health issue, such as a stroke or heart attack, which often sneaks up on its victim unexpectedly. Instead of gambling with the family’s financial future, isn’t it better to look into life insurance options today and make sure the family can move on in the event of a loss?

The reasons for buying life insurance are many, but the number one reason that people buy life insurance is to replace income. Some additional reasons people may purchase life insurance are for:

  • Covering the mortgage on their home
  • Future college tuition for their kids
  • Paying off any existing debt
  • Funeral costs, or
  • Charitable donations

This is an important decision and one that shouldn’t be taken lightly, so speak to a reputable agent about any questions concerning Connecticut life insurance coverage today!

 

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Why Insure Against Cyber Exposures http://www.ctrp.org/2014/11/06/insure-cyber-exposures/ http://www.ctrp.org/2014/11/06/insure-cyber-exposures/#comments Thu, 06 Nov 2014 15:00:56 +0000 http://www.ctrp.org/?p=273 Cyber exposure has fast become a major risk for companies big and small. Many business professionals today rely heavily on technology to help manage their company’s operations and infrastructure, as well as to store their valuable data. The downside of all of this technology, while improving a company’s efficiency and ease of doing business, is that it leaves these companies vulnerable to cyber liability exposures. Cyber Security and Privacy Liability coverage are two examples of ways to protect policyholders against many third party cyber liability exposures.

Three of the main cyber threats and their consequences

1. Network Security Liability

This is a third party liability risk associated with the unauthorized access, theft or destruction of data within the insured’s computer network or other electronic information system. It can include denial of service attacks, virus transmissions and electronic security breaches. It could be due to an internal or external attack, and may also include liability claims arising out of the theft of mobile computer equipment, such as laptops, in order to appropriate data illegally.

2. Privacy Liability

This liability risk is associated with theft of non-public personal information in electronic form and liabilities involving the failure to comply with privacy laws, or those regulations that govern the control, collection, access, transmission, use and accuracy of that information. There are severe costs associated with claims or losses, such as notification of affected parties of the breach, as well as fines and penalties for permitting such a breach.

3. Electronic Media Liability

This risk is associated with the display of electronic content on a client’s website. Any information in the form of words, sounds, numbers, images or graphics in electronic form is considered electronic content, and also includes advertising, video, blogs, bulletin boards and chat rooms.

In addition to potential third-party liability damages, clients could face additional risks for direct costs from any number of sources. State laws mandate businesses to notify anyone whose private information may be at risk immediately after a breach occurs. Because the company’s reputation is likely damaged as well, it may require additional spending on public relations services to help restore its good name.

There may also be fines and penalties assessed as a result of regulatory action, all the more reason to insure against cyber exposure, which can wreak havoc on a company that has been victimized.

 

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Home Care Services and Home Health Care Insurance http://www.ctrp.org/2014/11/02/home-care-services-home-health-care-insurance/ http://www.ctrp.org/2014/11/02/home-care-services-home-health-care-insurance/#comments Sun, 02 Nov 2014 16:45:16 +0000 http://www.ctrp.org/?p=268 The majority of seniors would prefer the comfort of their own home as opposed to living in an assisted care facility. They are most comfortable in their own environment where they feel safest and closer to the things they love and care about. Home health care is a long-term care option that promotes those individual’s independence and ability to continue with their normal, daily routine as long as possible.

 

Those providing home health services take certain risks which require home health care insurance as well as trained and skilled nurses to provide services to these clients. The goal is to provide in-home care for those who need it, while allowing an individual to remain living at home as long as possible, despite having certain disabilities.

 

Home care services cover a wide range of needs

 

Home care providers offer many services, from homemaking and companionship, to meal preparation and medication administering. They may also include personal care services, or those that help with the activities of daily living, including things like bathing, dressing, and grooming.

 

Often, skilled services that utilize the expertise of a nurse includes checking vital signs, coordinating with doctors and other healthcare professionals that may be working with the individual, and also performing comprehensive evaluations of health and community needs to keep individuals safe at home. There is however concerns related to mistreatment that must be monitored and reported when discovered.

 

For example, if a client were to fall while the caregiver was assisting the client to access and negotiate the use of the restroom, while this could clearly be the case of an unfortunate accident, it should be investigated in order to determine whether or not the attendant mishandled the performance of their duties. If the client were to sustain a serious hip fracture the family may be determined to sue for neglect or abuse.

 

If it was determined that the caregiver did not adhere to written procedures involving client handling and employee training or patient transfer was substandard, there may very well be grounds for legal action. This could call into question whether the initial hire and follow through refresher training programs were satisfactory or in need of improvement.

 

In addition to home health care insurance, owners should also look into separate abuse and molestation coverage, as well as employee dishonesty coverage, blanket additional insured for managers, and landlords of premises where required by contract. Speak to an agent familiar with the insurance needs of this growing industry.

 

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Fresh Auto Insurance Leads Can Bolster Business http://www.ctrp.org/2014/10/23/fresh-auto-insurance-leads-can-bolster-business/ http://www.ctrp.org/2014/10/23/fresh-auto-insurance-leads-can-bolster-business/#comments Thu, 23 Oct 2014 14:45:21 +0000 http://www.ctrp.org/?p=259 People have come to trust the Internet when it comes to purchasing products and services and auto insurance has seen a steady growth in this area. More and more, consumers are using the Internet to comparison shop for auto insurance from a slew of different sources. This has created a demand for auto insurance leads for agents in recent years. After all, according to a recent ComScore Auto Insurance Report, more than two-thirds of consumers shopping for auto insurance received their quotes online. This means fewer agents are making sales through the use of telephone calling or face-to-face visits.

 

With that many individuals going online for insurance needs, agents must consider the Internet as one of the best lead sources for insurance leads. Obtaining leads directly through individual websites can be a daunting task, and with so much competition, it could reduce the number of potential clients significantly. Remember that everyone is aiming for that top spot in the Google rankings.

 

Fresh leads can improve numbers

No insurance agent will be happy obtaining old, outdated insurance leads, many repackaged from previous sources, especially when they can access

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