Businesses big & small face many risks. Business owners need insurance to protect their business and assets.
What is a BOP? Many business owners simply do not know. A BOP is a Business Owners Policy. It’s a package of insurance. Coverages include Property Insurance, Business Interruption Insurance, & Liability Insurance. Most carriers also offer package enhancement endorsements.
A BOP does not cover Workers Compensation, Professional Liability, Auto Insurance, or Health and Disability Insurance. These risks must be covered by separate policies.
Consult your insurance professional today about BOP Insurance!
RealTimeExpress allows agents to access BOP Insurance quotes for multiple carriers with a single entry. For more information, contact Mark Van Horn at mvanhorn@quantumsys.net or call 214-295-1586.
Business Insurance can be used to cover fire or liability for your business. If you have losses in a fire, how would you continue to live? There is Business Income Coverage, or Extra Expense Coverage in case you need to set up somewhere else. This way customers don’t forget you while you get back on your feet. Make sure you business has proper coverage.
Tell your agent about RealTimeExpress.com small commercial comparative rater for Business Owners, Workers Compensation, & Commercial Auto.
Popular browsers like Chrome (google) and Firefox are still lagging behind leading market share browser Internet Explorer. Data was releaesed from statistics collected by RealTimeExpress.com.
Popular versions of Internet Explorer include 7.0 (55% share), 8.0 (30% share), & 6.0 (15% share).
The recent release of Internet Explorer version 8.0 sent RealTimeExpress programmers to the drawing board to adjust the online software as a service comparative rating software for small commercial business. According to programmer Ryan VerSteeg, “Everything is running smooth with all versions of Internet Explorer”.
For many years insurance agents have used comparative raters to process their personal lines quotes. Many agents are not aware of commercial lines comparative raters that are on the market, right now, all online, with Real-time quoting for Business Owners Policy, Commercial Auto, & Workers Compensation.
Today, I would like to point out two important items you may not know when it comes to commercial comparative raters:
Efficiency – no longer do you need to go to each carriers website to enter data. Enter it once in a comparative rater and the software populates the carriers website on your behalf. Talk about “reserving the market”, now we’re talking.
Opportunity – if you have more than 2 or 3 carrier appointments you cannot afford to go to each carriers website for quoting. It costs the agent too much money, especially doing high transaction, low premium business. Using a comparative rater allows you to take advantage of every opportunity for each of your carrier appointments. More opportunity = more business.
For more information regarding RealTimeExpress, contact Mark Van Horn at mvanhorn@quantumsys.net.
Heard the expression, “I’ve got your back”? So what about your back? You’re really the one who has it–physically, that is.
Back injuries are one of the most commonly occurring injuries both occupationally and also in the off-the-job activities. What can we do about controlling this type of injury?
Back Injury Prevention
First of all prevention is the key, as it is the caser with all injuries. Let’s look at some of the key element sin back injury prevention:
Don’t try to be Superman. If someone is assigned a task beyond his mention capabilities, he will usually tell his supervisor, “I do not know how to do that,” or make some similar statement. Don’t perform beyond your capabilities. Get help!
Size up the load before lifting (or otherwise moving) it. Some packages are much heavier than they appear. So attempt to push the load slightly with your foot before “snatching and grabbing” the load.
Be sure the path is safe. Before carrying the load, look at the floor along the planned path of travel. There should be no obstacles or spilled fluids in the way. Many back injuries or other muscular strains occur because the person carrying the load slips or stumbles, causing a sudden sift in the load.
Limber up before lifting. All athletes know the importance of some basic calisthenics prior to beginning a physically-demanding contest. The same applies to you. Stretching exercises are critical prior to any manual lifting, especially in the early morning before the body is warm and flexible.
Workers compensation insurance coverage is critical for covering employee back injuries. Talk to your agent about using RealTimeExpress.com for multiple carrier quoting.
“Beauty Shops” classification is gaining popularity in comparative raters. Within RealTimeExpress.com it is the 6th most quoted classification for Business Owners Policy (BOP). Here are the results of a quoted Beauty Shop classification using 6 carriers.
Premium
Carrier A: $2,700
Carrier B: $4,368
Carrier C: $2,018
Carrier D: $5,304
Carrier E: $4,353
Carrier F: $3,718
As you can see, using a comparative rater gives you, the agent, options to present to your insured. By the way, this firm bindable quote was was done in less than 8 minutes using RealTimeExpress.
For more information regarding RealTimeExpress.com contact David Taylor at dtaylor@quantumsys.net.
The above was quoted using $2mln in receipts, $200,000 payroll, and 5,000 sq ft.
Did you know small commercial insurance policies (BOP, Commercial Auto, and Workers Compensation) are at $95 billion industry and they account for more than 40% of the commercial business written in the United States?
That makes Small Commercial a great market to be in – specially if you have the secret weapon, a commercial comparative rater, designed especially for agents with direct appointments.
Have you ever wanted to have just one place where you could:
Input your data in one website
Not have to re-key anything, or answer the same question twice for your direct appointments, and
Receive multiple quotes from national carriers such as Travelers, The Hartford, CNA, Liberty/Safeco, and Zurich in real-time?
That’s exactly what comparative raters can do for you. You will receive multiple quotes, as if you had entered each account into each carrier’s website, without the risk of keyboard errors. And you get to keep your commissions and contingencies!
Are You Miss Out on These Benefits?
Efficiency – save time by entering information only one time
One system and one set of questions containing all carrier eligibility rules
Allows additional time for service, prospecting and closing
Here are 5 really good reasons to use a comparative rater for standard commercial insurance (BOP, Commercial Auto, & Workers’ Compensation):
Going to each carriers website to enter data causes quote fatigue. It’s impossible to shop each carrier appointment. Using a comparative rater for commercial insurance allows you to enter data one time and get back multiple quotes in real-time.
No longer do you have to know the appetite for each carrier. The comparative rater does it for you.
Side-by-side comparison. With comparative raters, you can view a side-by-side comparison of each carrier coverage and quoted premium.
Data is pre-filled at the carriers website. When you get a quote with a comparative rater, the data is pre-filled at the carriers website. No more duplicate entry.
More time for selling. Using a comparative rater allows the user to spend less time quoting and more time selling. This helps your bottom line.
For more information regarding comparative raters, contact me (Mark Van Horn) at 469-892-9849.
Looking for the best deal on you commercial insurance? Need a Business Owners Policy (BOP)? Need Workers’ Compensation? Need Commercial Auto insurance? Here are the steps to make sure you get the best deal possible.
Ask your agent if he or she uses an onlinecommercial comparative rater. Agents need to be able to give you more than one quote and they need to give it to you quickly (not days). Many agents are not aware of these tools.
Ask to see a side-by-side comparison of coverages and premiums by insurance carrier.
Ask your agent to clarify advantages & disadvantages of coverages by carrier.
Following these simple steps will ensure you get the best deal possible on your commercial insurance. Insurance agents to be aware of tools that exists to make thier life easier & efficient.
