Category: Independent Insurance Agents

A Secret to Keep Insurance Premiums Down

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Insurance Premium

Want to hear a secret way to keep your insurance premiums down? Pay your insurance premiums by the due date. Late payments cost the insurance carrier money, which is then passed on to the consumer in the form of higher insurance premiums. With the availability of sophisticated data analysis, companies can now identify their customers that are less profitable and charge only those clients higher premiums. Those with a history…

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Work Comp premiums for Non-Employees in TN

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Employees Sign

Interesting case came out of the Insurors of Tennessee newsletter last week. We have a feeling insurance companies will be jumping all over Workers Compensation audits after the Tennessee Supreme court declined to hear a case about insurance companies collecting Work Comp premium on payroll for Non-Employees. Not good news for many companies who hire independent contractors. The only thing we recommend at this time is that your independent contractors…

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Open Enrollment…What?

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Pill and Money

Every year I have the opportunity and pleasure to re-certify for Medicare with each of our Insurance Companies servicing Medicare. For most seniors, this is time to scramble and find the best plan for their current situation and needs.  The governing body responsible for this oversight is the Center for Medicare and Medicaid Services.  CMS also determines the Open Enrollment dates for Medicare Advantage plans and now, Affordable Care Act…

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Homeowners VS Renters: Do you know the Difference?

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photo credit: Adrian Serghie In case you didn’t know the difference between the two already, homeowners insures the property as well as the contents inside the house whereas renters only covers the contents. This is because the renter does not have an insurable interest in the property; only the homeowner does. What does this mean exactly if you do own your own home and have someone living with you? This…

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Some Advice for The Hartford Marketing Dept

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photo credit: mikecogh The Hartford Insurance Company surprised me this week with a really moving marketing piece.  Lately, these guys have been creeping up on brilliant moves…but this one takes the cake and I think it is a game changer in the insurance world; as the client becomes the center of the movement…finally, right?  I want to offer some advice as an insurance agent and agency owner; and it is…

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Higher Insurance Premiums?

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Explanation in pictures below. These were brought to our attention by Travelers Insurance Personal Lines Division (Home and Auto).  The slides were produced and given by Insurance Information Institute.

Travelers Insurance Application

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The new Travelers application is here!! This application for your iphone or android powered phone is called Auto Accident Help and it is there immediately for your assistance.

Teach your Children how to be an Entreprenuer

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I recently had a conversation with a Knoxville, TN father who called our independent insurance agency. He was interested in commercial insurance for his lemonade stand. At first, I was taken back a little…and then I discovered the brillance of his vision. The Lemonade stand is the truest form of entreprenuership and the best model to teach your children how to learn business.

Your Policy Comes With An Agent

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photo credit: Care_SMC After the seventh phone call Missy was about to give up. It was evident that Mrs. C was suffering from memory loss and the phone calls kept coming. Missy LeQuire, head of personal lines and a twenty year employee, had called that morning in January to let our customer know that her homeowner policy would cancel the next day. She knew that Mrs. C was a long…

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Social Media Changed How Our Agency Handles Claims

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As storm one ripped through Knoxville, TN my family and I braced for what sounded like a freight train coming through our house.  We were fortunate enough to be one of those with power and thanks to Todd Howell at wbir and the good ol’ Doppler readings we were able to target and plan to take cover if needed.  The real time Doppler forecast predicted the golf ball hail immediately…

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