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CTRP Trauma Care 2015-02-24T08:45:52Z http://www.ctrp.org/feed/atom/ Hwrd <![CDATA[The Benefits of Business Interruption Insurance]]> http://www.ctrp.org/?p=429 2015-02-23T20:46:13Z 2015-02-24T08:45:52Z As anyone who has ever owned or operated a business will tell you, deciding to start a company is the easy part. But making it a success takes proper planning, a strategy, and some real business sense. Many owners succeed by doing all the little things right, but being prepared for any mishaps or unforeseen contingencies — that’s where the real challenges lie.

The most successful businessmen are those that take the time to investigate, and invest in, an array of business insurance policies geared to protect them from any circumstances, both known and unknown. There are many business insurance options available, and among them is one vital piece of coverage known as business interruption insurance, but the process of simply choosing insurance policies can become overwhelming, which should lead to a host of questions.

Obviously, the process can be simplified through the knowledge of an insurance agent who can provide some insight and help determine which products and services best fit your needs. But it also helps to have an understanding of many of the more basic business insurance policies out there as you begin the process. Let’s look at a few of the general types of business insurance options that most owners will likely need:

  • Property insurance is one of the basic necessities for a business, one that protects the business against damage or loss to its physical assets
  • Casualty insurance provides protection against legal liability for injuries sustained on company property, as well as damage to property not belonging to the business
  • General liability provides coverage for damages your business may cause to other’s health, property, or possibly their reputation, and covers everything from legal matters due to accidents involving employees, injuries to customers, and other similar claims of negligence, such as false or misleading advertisement
  • Umbrella policies come in handy when the limits of coverage on other insurance policies are reached, since it will cover any costs beyond limits of the other policies, and
  • Business interruption insurance will help get a business back up and running in the event that a catastrophic event causes a loss in the business’ stream of income

For example, business interruption insurance would cover lost sales, rent, and payroll in the event that you had to rebuild your business following an accident, as well as help pay for temporary office space and/or equipment. Make the smart choice by speaking to an agent about your business coverage needs.



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Hwrd <![CDATA[Enlisting the Help of an Insurance Marketing Company]]> http://www.ctrp.org/?p=425 2015-02-20T21:18:02Z 2015-02-20T22:15:23Z Most successful insurance agency websites are the work of an insurance marketing company that specializes in designing Internet sites in such a way that they attract more visitors. They come equipped with a set of objectives, strategies and tactics that will improve any online presence, with marketing activities designed to help achieve your financial goals.

It requires getting to know how a company perceives themselves, and what image they want to present to their target audience. While this may sound like an uncomplicated task, putting together a sound marketing plan requires knowing where your agency is right now, where they want to be a year from now, and how they plan to get there.

Determining your agency’s benchmark

As you begin the arduous task of coming up with marketing ideas that are going to help the agency grow, you need to set a benchmark indicating where your agency is now. In that way, you’ll be able to look back and see how your marketing efforts helped improve your agency’s growth, as well as identify which ideas worked for your agency and which didn’t. In this way, moving forward you don’t waste time or money on marketing ideas that don’t work. Answering the following questions may help in choosing a direction to go with your campaign:

  • What are my current sales (in dollars and number of policies sold) for the year?
  • Who are my current clients, how did they hear about my agency, and why did they decide on my agency over my competition?
  • What causes my agency to lose clients or potential sales?
  • Who are my competitors, and how is my agency different from the competition?
  • Does my agency have any niches or specialty areas that the competition doesn’t have?
  • What are we currently spending on marketing?
  • Where do we want to be at this time next year?

Once a benchmark has been established, start thinking about where your company wants to go. Start off by setting some specific goals. Then, when you’re ready, enlist the help of an insurance marketing company that understands exactly who you are, and how to help you succeed in the marketplace. Selling insurance is easy, but you are working in a very competitive field. After you complete the first year of your marketing plan, you should be able to measure your success more easily.


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Hwrd <![CDATA[Auto Coverage and Preparation Help Protect from Winter Storms]]> http://www.ctrp.org/?p=420 2015-02-20T15:05:58Z 2015-02-20T15:15:34Z “Over the river and through the woods, to Grandmother’s house we go” isn’t just a traditional song, it’s a real tradition with the Anderson family. They make a pilgrimage to visit their Nana every few weeks to spend the day with her. The problem is, the trip can get a little hair-raising in the wintertime, because runoff from higher elevations can turn normally gentle streams into raging rivers which make getting there decidedly less than half the fun. In fact, many people are unaware that automobile accidents are the leading cause of death during winter storm activity. So while it is important to get CT car insurance to protect yourself in terms of bodily injury and property damage and more, it is just as important to prepare yourself for driving during the cold weather season.


Before starting out, have a mechanic check to make sure the following are in good working condition:


  • Battery
  • Antifreeze level and thermostat in the radiator
  • Ignition and exhaust system
  • Lights, including flashing hazard lights
  • Heater and defroster
  • Brakes
  • Oil (winter-grade)
  • Winter tires
  • Windshield wipers and washer fluid


Start out on a long trip with a full tank of gas. Watch weather reports to time your trip and help ensure you won’t be driving right into a major storm. If you encounter flooded roadways, try to find an alternate route; water is often deeper than it appears, and you can lose control of your vehicle when water is only a few inches deep, losing the ability to steer, stop or move ahead. The engine can stall, rendering all power-assisted systems inoperable.


It’s also a good idea to take the time right at the start of the new year to sit down with your professional insurance agent and update your coverage, especially if Santa brought you a shiny new ride. Your agent can obtain CT car insurance quotes, then assemble a comprehensive program covering you in the event of an accident. With the right policy and advanced preparation to protect you before you hit the road, you’ll be all set to make it to Nana’s in time for a nice lunch.


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Hwrd <![CDATA[Why Errors and Omissions Insurance Is a Smart Business Move]]> http://www.ctrp.org/?p=417 2015-02-13T15:25:16Z 2015-02-13T15:45:14Z Everyone makes mistakes, both in life and in business. Some mistakes are minor and can be easily fixed or corrected, while others are more substantial and the effects are far-reaching. When it comes to the business world, companies are increasingly opting to purchase errors and omissions, or E&O insurance, to minimize their financial risks in the event that one of those mistakes is made. But just what is errors and omissions insurance?

Errors and Omissions, In Brief

This type of insurance covers you or your business in the event that a client experiences a financial loss as a result of a service you provided, or failed to appropriately provide. Virtually anyone who charges money for a professional service is at risk for E&O exposure.

What Types of Situations Does E&O Insurance Cover?

Because it applies to so many different professions, there are numerous situations where E&O insurance could come into play. Say youre a corporate events planner and you book the hotel, conference rooms and all activities for the week of June 24 instead of July 24. Everyone shows up in June ready to roll  except for the business associates. Who is going to pay the professionals for your error? This is just one example of many where E&O insurance would prove tremendously useful.

Now that you know just what is errors and omissions insurance, ask yourself if you or your business is a good candidate. If youre not sure, contact an insurance agent for more information.



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Hwrd <![CDATA[Invest in Yourself With Individual Doctor Disability Insurance]]> http://www.ctrp.org/?p=409 2015-02-11T17:39:30Z 2015-02-11T18:15:13Z To become a physician requires many years of study and practical application, plus a sizable investment. You may expect that with more hard work in your field, all that education and experience will offer the rewards of financial security. The best plans may be interrupted, however, when your practice is suspended due to an unforeseen illness. You are your most important asset. One way to protect the income level you have worked so hard to attain is to carry sufficient medical practitioner disability insurance.

What May Prevent You From Working?

Disability statistics provide a sobering look at how people may lose income from loss of work due to an injury or illness. Approximately 30% of all working people between 35 and 65 will suffer a disability that lasts at least 90 days, while 70% of that number will be out of work due to illness. Some examples of debilitating conditions include:

  • Coronary artery disease
  • Degenerative disc disease
  • Cancer
  • ALS, or Lou Gehrig
  • Anxiety disorder

Income Protection for Short and Long Term Leave

A medical practitioner disability policy appropriate to your situation addresses a variety of potential circumstances. The plan should be clear on what constitutes a disability and what the benefit terms of for a partial disability. Individual plans may have certain advantages over group plans as far as renewability and portability. Also, unlike many individual plans, group policies may be cancelled at any time. Make sure you are fully invested with yourself with the right disability insurance.



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Hwrd <![CDATA[Why You Need Professional Liability Insurance While Working as a Nurse]]> http://www.ctrp.org/?p=403 2015-02-11T17:27:30Z 2015-02-11T18:00:12Z You likely chose the nursing profession because of an inherent desire to help others, and you probably never considered the fact that such a career puts you at risk if something goes wrong or if an outcome is less than desirable. Nursing is a naturally risky profession, and this is true even for those who are the best in their field. In today’s society, it’s more critical than ever that you protect yourself and your career in the event that a claim is filed against you, and here’s why professional liability for nurses is such an important asset for those in the healthcare industry.

More People Die From Medical Errors Than Car Accidents, Breast Cancer or the AIDS Virus

With increasing numbers of deaths and serious injuries resulting from medical mistakes, more and more nurses are being named in malpractice claims. Many of these claims center on medication dosage or administration errors, but as the scope of the nursing career continues to expand, so do the areas in which nurses can be held accountable.

Nurses Aren’t Necessarily Covered by Their Employer’s Insurance

While some medical employers hold liability insurance, this is not always the case, and it also may not be enough to protect you and your career. Your employer could also potentially turn around and sue you for any money they had to part with on your behalf, and their policy may also have certain restrictions, such as not covering part-time or contract employees.

When you deal with life and death situations daily, you need to protect yourself and your career, and professional liability for nurses is the easiest way to do so.



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Hwrd <![CDATA[Two Tips for Marketing Your Insurance Agency on Social Media]]> http://www.ctrp.org/?p=398 2015-02-09T19:30:26Z 2015-02-09T19:45:33Z Social media has changed the way most people interact with each other. For this reason, today’s businesses have adapted their marketing strategies to include social media channels. Marketing on social media allows you to interact with your customers and potential customers on a more personal level. If you have an insurance agency, insurance social media marketing is a great resource to grow your business. Here are two simple tips to help you make the most of this tool.

1 – Be Unique

Social media is not the place for generic ads. Instead, it is better to provide unique content that is tailored to the customer. If you want to succeed with your insurance social media efforts, try to be original in your content. You can ask questions, link to blog articles, publish videos, and more.

2 – Know Your Audience

Next, make sure you understand your audience. If you are using multiple social media outlets, each audience might be a little bit different. In these instances, it might be smart to tailor your message to each particular group of people. Individuals are more likely to respond to content that is generated for them rather than something generic. Be patient with your insurance social media efforts, and make sure to implement a strategy that will allow you to succeed. Overtime, you are likely to reap results from your efforts.


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Hwrd <![CDATA[Understanding Rental Property Insurance]]> http://www.ctrp.org/?p=394 2015-02-06T18:07:42Z 2015-02-06T18:30:29Z Everyone who owns or manages properties knows that they can be a great financial investment and provide residual income. They can also carry some risks, and without the right Connecticut insurance to protect against these risks, your rental properties could quickly turn into a financial disaster.

Common Risks for Property Owners & Managers

Just like the home that you live in, your rental properties are at risk for natural disasters, but there is also a danger of damage from the tenants that occupy the property. The right rental property insurance can protect you from all these perils, including:

  • Natural disasters like hail, storms, and hurricanes
  • Common household dangers like fire
  • Vandalism or damage from tenants who reside at the property
  • Liability coverage in case potential or existing tenants decide to bring a lawsuit against you

What Rental Property Insurance Covers

This type of Connecticut insurance covers all types of rental properties, including single-family homes, duplexes, and other multi-family units. In addition, it covers for other items on the property, such as a detached garage, shed, or storage area, and items that you own inside the home, such as appliances. It protects against claims for damage or injury, and can even provide you with income if your property is damaged and cannot be rented for a period of time. As a landlord you are probably juggling quite a few different things – from repairs and renovations to finding tenants and collecting rent. Rental property insurance can help remove concerns about financial losses due to unforeseen events so you can focus more of your energy on the things that will help make your investment pay off.


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Hwrd <![CDATA[Jewelry Insurance for Your Engagement Ring]]> http://www.ctrp.org/?p=388 2015-02-04T17:35:32Z 2015-02-05T08:45:40Z For many people, an engagement ring is the first piece of expensive and valuable jewelry they buy. When purchasing a ring for their partner to be, jewelry insurance is often the furthest thing from their mind. However, a policy designed to cover the value of the ring is a great investment in the event that the ring is ever stolen or damaged. Engagement rings often exceed the amount of coverage provided by property insurance and so require an addition policy to cover them completely.

When to Get Insurance

Check your existing property insurance policy to see what the coverage limit is. If your engagement ring exceeds this amount – which it may easily do if the ring costs more than a few thousand dollars – it is best protected by a separate insurance policy.

How to Choose a Policy

You can often add a jewelry insurance policy onto your existing insurance policy by contacting your insurance agent. If you need to contact a separate insurance agency, make sure you work with one that specializes in jewelry or luxury item insurance.

What You Need to Do

Submit an inventory of your engagement ring to your insurance agent. This document should include a description or photo of the ring, as well as a record of the ring’s value.

Jewelry insurance may not be romantic, but adding insurance to your engagement ring provides great peace of mind.



photo credit: Photo Jewelry (license)
Hwrd <![CDATA[Finding the Right Business Insurance Provider]]> http://www.ctrp.org/?p=383 2015-01-30T19:01:14Z 2015-01-31T10:15:42Z Finding the right provider for your business insurance is tough. There is no clear cut way to choose which company will work best for you. However, there are a few important things to look for that will help make sure that you are choosing wisely.

Comprehensive Risk Management

Companies that offer comprehensive risk management departments are much more likely to completely understand what type of insurance plan your company needs. These companies, like DiNicola Insurance, use their risk management department to assess your company before you purchase an insurance plan and help you to reduce any risk your company may have. They do this through understanding where the risk comes from and helping you to create a plan to either prevent or respond to any issues that may arise.

Employee Benefits

Finding a provider that offers employee benefits programs will put your company on the cutting edge. Many insurance companies, such as DiNicola Insurance, offer competitive benefits packages to help your company acquire and retain talented employees. There is no better way to show your employees that you care about them than through a benefits program.

When looking for great business insurance, make sure to look into companies that offer excellent risk management. Finding someone who also offers employee benefits will make you and your employees very happy. These two criteria will help you ensure that every aspect of your company is well cared for through one organization.


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