RealTimeExpress Blog

September 3, 2009

Back Injury Prevention

Filed under: Commercial Insurance — realtimeexpress @ 7:43 pm
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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.

Contact Mark Van Horn @ mvanhorn@quantumsys.net

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August 26, 2009

Beauty Shops Popular In Comparative Rater

Filed under: Uncategorized — realtimeexpress @ 3:58 pm
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“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.

August 25, 2009

Fast Track to Small Commercial Success

Filed under: Uncategorized — realtimeexpress @ 7:21 pm
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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

To learn more about RealTimeExpress contact me, Mark Van Horn at mvanhorn@quantumsys.net

August 17, 2009

5 Reasons To Use A Comparative Rater For Commercial Insurance

Filed under: Commercial Insurance — realtimeexpress @ 7:15 pm
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Premium Summary

Premium Summary

Here are 5 really good reasons to use a comparative rater for standard commercial insurance (BOP, Commercial Auto, & Workers’ Compensation):

  1. 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.
  2. No longer do you have to know the appetite for each carrier.  The comparative rater does it for you.
  3. Side-by-side comparison.  With comparative raters, you can view a side-by-side comparison of each carrier coverage and quoted premium.
  4. 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.
  5. 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.

July 29, 2009

How To Find The Best Deal For Your Commercial Insurance

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.

  1. Ask your agent if he or she uses an online commercial 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. 
  2. Ask to see a side-by-side comparison of coverages and premiums by insurance carrier.
  3. 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.

For more information regarding www.realtimeexpress, contact us at helpdesk@realtimeexpress.com.

July 23, 2009

Top 20 Business Classifications for Business Owners Policy

Take a look at the top 20 quoted business classifications in the last 60 days from our on-line comparative rater realtimeexpress.com.   

1.  Convenience Food Stores
2.  Restaurants – All Restaurants (Dine-in, Carry-out, Fast Food, Pizza, etc.)
3.  Building or Premises – LRO Single Occupancy
4.  Automobile Repair or Service Shops
5.  Cellular Phones and Pagers Stores
6.  Beauty Shop
7.  Building or Premises – LRO Multiple Occupancy
8.  Churches
9.  Building or Premises – LRO Strip Shopping Center
10. Grocery Stores
11. Insurance Agents
12. Building or Premises – LRO Multiple Occupancy Office
13. Liquor, Wine and Beer – Retail
14. Doctors Offices (No Emergency Clinics)
15. Nail Salons
16. Real Estate Office
17. Janitorial Services
18. Dentists
19. Furniture Stores Retail
20. Gift, Novelty, Souvenirs Retail

For more information or to schedule a demonstration of RealTimeExpress email dtaylor@quantumsys.net.

July 13, 2009

Step One To Growing Your Commercial Insurance Business

Filed under: Commercial Insurance — realtimeexpress @ 9:36 pm
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Step one to growing your commercial insurance business is simple.  It least it sounds simple and it is. 

Stop and Listen.

There is a story of a crusty old logger who meets a chainsaw salesman who asks him how many trees he can cut down in a day.  The logger says, “Oh, about 20”.  The salesman tells the logger that he can cut down 100 trees a day using the chainsaw.  The logger sees this would be a good thing and buys one.  One week later he returns the saw and says, “the best I can do is 25 trees a day”.  The chainsaw salesman, looks the saw over, and says, “Well, it looks good”.  He then pulls the starter and the saw kicks over with a roar.  The logger looks startled and says, “Hey, what’s that noise?”

 Just like the logger above, too many times you hear about technology & efficiency but just don’t know how to stop and listen.  Many times, you are so busy that you don’t have time to even think about efficiency. 

You can’t continue to do the same thing and expect a different result.  Start asking yourself the most common questions:

  • Why do I enter the same data over and over again?
  • Why do I have to go to each carriers website to get a quote?
  • Why can’t I have a great looking proposal including a coverage comparison for each carrier?

So the first step to growing your insurance business is to stop and listen.  Research.  Don’t be “so busy” that you can’t stop and strategize.

Learn more about commercial RealTime quoting.   It can grow your business.

 

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