The IIAC is a professional organization of agents that operate in Connecticut. The group is involved in a number of different activities, but among their most important is to ensure that quality insurance agents can help better serve the public. They offer a number of educational and training programs to ensure that agents in Connecticut have the skills they need to serve their customers.
Additionally, the IIAC runs the Trusted Choice program, which is an indicator of quality designed to help consumers determine which agents are best qualified. Trusted Choice agencies are not bound to any one insurance provider, meaning that they have the flexibility necessary to help their clients find the best possible coverage. A Trusted Choice agent can help find a program that protects against potential risks while remaining cost-effective for the consumer.
If you’re trying to decide among multiple insurance agents, be sure to check whether they are members of the Independent Insurance Agents of CT. This organization can make finding a quality agent much easier.]]>
Homeowners insurance plus wind insurance makes a powerhouse coverage team. For example, if your windows shatter and your roof shingles blow off during a storm, your homeowners insurance covers any damage to your possessions located inside your home, but it does not cover the actual damage to your windows or roof. Windstorm insurance does not cover any of your personal possessions, but it takes care of the cost to repair your windows and roof. You need both types of insurance in order to provide complete protection of your possessions and your property.
Florida windstorm insurance is available for single-family homes, multi-family residences, apartment complexes and condominiums. Senior housing and assisted living facilities are also eligible for insurance. Commercial and industrial plans are available for property types like offices, self-storage facilities, shopping plazas, warehouses and distribution centers. Schools and medical hospitals can also receive coverage.
Contact your Florida windstorm insurance provider to verify your coverage. Ask about your deductible and whether it makes sense to modify your plan. Never let your insurance lapse so that you are always fully protected.]]>
Employers rely on the talents and services of temp agency worker, which therefore requires a temp agency to maintain a large source of talented individuals to serve the staffing needs of its demographic area. No longer are these temporary positions solely for the need of basic clerks, secretaries or support staff, but now the industry also offers highly trained or educated professionals. A temp agency must carefully address the staffing needs of many different types of businesses and recruit and retain appropriate temporary workers to fill in when and where needed.
The most successful temp agencies take the time and expense necessary to adequately screen all staff members. This in an important step in maintaining a qualified staffing agency in order to assure clients that the people coming from the agency are competent and can step in without much training in order to get the job done. Temp agencies must therefore go beyond solely conducting an interview to confirm skills and experience, but also hire candidates with knowledge of procedures along with proof of training in medical or other highly trained fields and should require documented proof of this.
It is vital that they get recommendations from satisfied previous employers and references should be checked and verified. It would also be prudent to contact previous employers to validate work history as well. This is a time-consuming process that shouldn’t be overlooked, especially in times of extreme demand.
The fees charged by temp agencies to employers for the services they provide ultimately save those companies money in human resources costs and other related expenses, and many of the top temp agencies are able to provide exceptionally talented workers using seminars and workshops to improve skill sets. Temp agencies, along with providing temporary staffing insurance as a way to mitigate risks, must also take stock of the economic trends and be willing to negotiate fees with clients in order to retain long-term relationships.
In an age when over 50 percent of consumers depend on the internet to seek out local businesses, it is vital that your website is eye-catching in the best possible way. If you’re still depending on a five year old website with an outdated design, it might be time for a change. Talented web designers are available to create beautifully modern insurance agency websites that can take your brand name to the next level.
A website that effectively showcases your strengths should include:
Ensuring you have a modern website can help you expand your customer base. Insurance agency websites are assisting professionals everywhere to get their name known.]]>
The advantage of purchasing a BOP is that it gives you the ability to buy multiple policies that would cost more to buy separately and you can determine which policies best suit the company’s current needs. A common BOP coverage package includes property insurance, which protects the building, equipment and inventory, business income insurance, which covers lost income if the operations are suspended because of a covered loss and equipment breakdown insurance, which provides protection if any equipment is damaged from power surges, mechanical breakdown, burnout or operator error.
Depending on the type of company you run and exposures you may face you may opt for personal and advertising injury coverage, which covers copyright infringement, libel and slander, bodily injury. Property damage liability, another wise choice for many, covers instances where employees, products or services cause harm to other people or their property. Medical payments coverage can be essential as it covers medical expenses resulting from injury to others on property that the company owns or rents. Many business owners choose to place rented vehicle coverage in the package, which provides liability coverage for autos being leased, hired or borrowed.
BOPs are often purchased by small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss. All of the insurance policies contained within a BOP should be vital to any business with a significant number of employees, and equipment used routinely to run their operations.
While a BOP from NewMark can help many businesses save money, for some high-risk companies the coverage limits offered by a standard BOP may be insufficient. Be sure to check with an agent who specializes in this line of insurance to help you decide whether a BOP meets your company’s current business needs.
Since 2013, billions of records have been lost or stolen. Over 1.9 million are compromised every day, and this is not restricted to larger companies. Even the smallest of organizations are at risk. Unfortunately, the costs of a data breach could be exorbitant and detrimental to a business.
Of course, not every situation plays out the same; however, the average total cost of a breach is $4 million and that number continues to rise. There are many ways an unauthorized disclosure can empty a company’s pockets, including:
A strong IT department and secure network are helpful; however, even the most prepared business can’t prevent a violation from happening. Cybercriminals evolve with security technology. Also, simple mistakes such as lost laptops and un-shredded documents open a company up to significant financial loss.
A data breach may be unavoidable, but a business armed with robust cyber liability insurance in PA can mitigate a difficult aftermath.]]>
The first thing to ask yourself is, What type of homeowner am I? This will help you and your agent come up with the perfect homeowners policy. You might need just the basic policy that covers possessions and property in case of fire, vandalism or theft. You might need renters insurance if you don’t actually own the home you live in. If you own a condominium, your coverage will also be different.
A business owner will need additional coverage that a homeowner wouldn’t need. Commercial auto should be purchased if you have a work car. Cyber liability is important in this day and age, and will protect you in case of a variety of cyber crimes. Commercial property, general liability, builders risk and various others could also benefit your business.
The circumstances surrounding your need for insurance can help you and your agent determine what to include in your New Mexico insurance policy. Contact your agent today to find out more.]]>
Turning your website into a lead-generator involves:
You know insurance, but you can’t learn insurance marketing overnight. Trust a marketing agency that understands insurance websites to help you get more out of your marketing dollars. Focus on what you do best and outsource your marketing to a team that will help you build a website that meets your business objectives. Let customers find the information they need to trust your insurance agency with their insurance needs.]]>
In the event that your dog causes an injury, dog insurance can cover not only the medical bills involved but also the cost of legal defense should the situation require it. Many people don’t realize there could be a need to get lawyers involved in more serious incidents.
While each insurance company is different, there are companies offering dog insurance with no deductible. This means that even a small injury would be completely covered and you would never have to pay any money out of pocket.
Some insurance companies will tailor dog insurance policies specifically to your dog. This allows you to insure your dog regardless of its breed and level of aggression. It can also provide you with exactly the coverage your dog needs.
Dog owners should be able to enjoy their pets without worrying about losing money due to the physical injuries dogs can cause. Getting liability dog insurance can give you peace of mind while protecting your dog and those it interacts with.]]>
Dealing with a security breach is often a long and drawn-out ordeal, during which you are likely to lose valuable revenue. Your regular business processes may be slowed down or completely interrupted due to:
Not to mention any direct financial theft that may have occurred. These secondary costs can cripple a business, especially an SMB. Fortunately, these kinds of losses are commonly covered under the first-party insurance coverage included in most cyber security insurance policies.
Repairing your relationships with clients can be an uphill battle after the loss of confidence they experience hearing that their private information was accessed during a cyber hack. Some may even choose to pursue legal action, which can cost your company big in settlements, payouts and civil awards. To protect yourself against this, you should consider including third-party coverage in your insurance policy.
If you total up these potential costs, the sum can be staggering. That’s why it is crucial to understand your company’s risks and research the various cyber security insurance options available.