Majesco

MARCH 27, 2025

When she recently realized that her premiums for both vehicles were nearly identical (and they had both gone up), she called her insurance agent. The agent suggested a telematics-based insurance product for the convertible to optimize pricing. She puts 2,500 miles per year on the convertible.

Auto Insurance 52

Auto Insurance Insurer Insurance Insured 52

Redbird Agents

JULY 12, 2024

Presenting hospital indemnity with every Medical insurance sale is a choice every agent has and most choose not to. Why do agents fall short cross selling hospital indemnity? Most agents are scared to offer this and when you educate your prospects, you will instantly differentiate yourself and strengthen the customer experience.

Insurer 130

Insurer Insurance Insured Premium 130

Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. Strategy: Assess your financial ability to handle a higher deductible without jeopardizing your operations. Strategy: Assess your financial ability to handle a higher deductible without jeopardizing your operations.

Commercial Property 52

Commercial Property Property Insurance Commercial Deductible 52

Leadsurance

NOVEMBER 19, 2024

Because every company assesses risk differently, this leads to a difference in price over the same coverage. Just remember, when comparing apples with apples in terms of the level of coverage as well as deductibles, make sure you are actually doing so compared with other quotes.

Home Insurance 52

Home Insurance Premium Deductible Insurer 52

Shield Insurance Agency

AUGUST 20, 2024

As a result, the insurance company may raise your premiums to offset the potential risk. Loss of Discounts: Deductibles Frequent claim filing can also lead to the loss of discounts you may have earned, such as claims-free discounts. Additionally, small claims often require you to pay a deductible.

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Insurance Claim Claim Protection Out-Of-Pocket 52

TGS

OCTOBER 3, 2024

Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage. The more risks your area poses, the more your insurance company will charge to protect you. The more risks your area poses, the more your insurance company will charge to protect you.

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Premium Deductible Out-Of-Pocket Insurer 52

Risk Management Monitor

SEPTEMBER 21, 2021

Spotting problem areas and opportunities sooner makes it easier to develop and implement steps to reduce risk pre-loss and better control costs post-loss. In addition to claims experts, it may also be helpful for the carrier’s loss control team to attend, as well as agent/broker staff.

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Claim Injury Workers Compensation Risk 75

Smart Insurance Agents

AUGUST 29, 2024

The primary types include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), Point of Service (POS), and High-Deductible Health Plans (HDHP). These plans typically offer lower costs due to the risk being spread across a larger group of insured individuals.

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Deductible Insurer Insurance Insured 52

Distinguished

DECEMBER 2, 2024

However, they also face unique risks, from vandalism and weather damage to transport and installation challenges. One of the key reasons is lower deductibles, expert knowledge, and tailored coverage options specifically designed for the unique risks faced by public art installations.  Can you cover property at unnamed locations? 

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Deductible Broker-Agent Insurer Insurance 52

Shield Insurance Agency

APRIL 19, 2024

This coverage pays for damages to your vehicle regardless of fault, meaning that even if you are at fault for the accident, your insurance will cover the repair costs up to the actual cash value of your vehicle, minus your deductible. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

Auto Insurance 52

Auto Insurance Deductible Out-Of-Pocket Insurer 52

Jackson & Jackson

MAY 23, 2024

Small business insurance covers property damage, liability claims, and employee-related risks. While basic coverage can provide a level of protection, your business might have additional risks that warrant extra coverage. Identifying these risks is crucial in determining the appropriate coverage for your business.

Small Business Insurance 52

Small Business Insurance Business Insurance Insurer Insurance 52

Boyle Agency Insurance

APRIL 27, 2024

Common Factors That Affect Homeowners Insurance Cost Some factors that determine the premium on your Homeowners Insurance are: Deductible – This is the amount of money you pay on a claim before the policy coverage takes over. Deductibles are meant to induce homeowners to take good care of the condition of their property.

Premium 40

Premium Deductible Insurer Insurance 40

American Agents Alliance

SEPTEMBER 4, 2024

The Earthquake Risk The Northridge earthquake of 1994 struck the densely populated San Fernando Valley in southern California, U.S., For insurance agents, writing more stand-alone earthquake represents a solid stream of revenue as well as the long-lasting benefit of a 94% retention rate on average. on January 17, 1994.

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Deductible Insurer Insurance Insured 40

Distinguished

DECEMBER 16, 2024

Protecting these assets in the state requires specialized insurance solutions considering earthquake and wildfire risks. Our program provides all-risk worldwide coverage for direct physical damage like fire and theft of personal collections of any size.

Protection 52

Protection Broker-Agent Inland Marine Underwriter 52

Jackson & Jackson

APRIL 28, 2024

Specialized risks, such as floods, earthquakes, and business interruptions, require additional coverage, which many investors should pay more attention to. How to Avoid It: Evaluate the risks associated with your property’s location and type. In California, consider adding earthquake and flood insurance.

Business Interruption 52

Business Interruption Out-Of-Pocket Expense Out-Of-Pocket Broker-Agent 52

Jackson & Jackson

MAY 22, 2024

However, with great opportunities come great risks. “Understanding Multi-Family Property Insurance” Commercial property insurance is a vital safeguard for property owners, protecting their assets against various risks. It protects against perils like fire, explosions, storms, and other risks outlined in the policy.

Property Insurance 52

Property Insurance Commercial Property Commercial Insurer 52

TGS

SEPTEMBER 6, 2023

However, for many home renovation projects, you will need to inform your insurance agent. In order to make sure you have the right continuous coverage, always consult your insurance agent! Contact your insurance agent to review your medical payments and liability coverage limits before you get started. New Home Value?

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Insurance Policy Policy Home Insurance Personal Property 52

Distinguished

JULY 22, 2024

However, the very qualities that make collectibles so precious also expose them to unique risks. Unfortunately, these unique risks are rarely appropriately covered by standard homeowner insurance policies. We understand the unique risks and how to best insure these special items. For most, this will mean a collectibles policy.

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Insurer Insurance Insured Policy 52

TGS

DECEMBER 13, 2024

Insurance policies for jewelry can vary, but most provide coverage for common risks, such as: Loss : Ever misplaced a ring at the gym or dropped an earring at a bustling party? Where You Live : Risk factors like theft rates and natural disasters in your area may affect costs. What Does Jewelry Insurance Cover?

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Protection Theft Insurer Insurance 52

Distinguished

JANUARY 28, 2025

As a wholesale broker, understanding the intricacies of management liability insurance is essential to effectively guide your agents and clients through the process of securing the right coverage for their unique needs. This is why making sure executives are backed by comprehensive management liability insurance is so important.

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Liability Insurance Liability Broker-Agent Insurer 52

Distinguished

JANUARY 28, 2025

As a wholesale broker, understanding the intricacies of management liability insurance is essential to effectively guide your agents and clients through the process of securing the right coverage for their unique needs. This is why making sure executives are backed by comprehensive management liability insurance is so important.

Liability Insurance 52

Liability Insurance Liability Broker-Agent Insurer 52

Smart Insurance Agents

AUGUST 19, 2024

Medigap helps with out-of-pocket costs like deductibles, copays, and coinsurance, providing clearer financial protection. These plans mainly help cover costs like coinsurance, copayments, and deductibles. Deductibles: This is the amount you must pay for covered healthcare services before your Medicare benefits start.

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Out-Of-Pocket Deductible Insurance Companies Premium 52

Maritime Insurance International

MARCH 3, 2020

That said, the risks that boat owners face are not that different from the risks of owning a car. Given the risks you face, boat insurance can be a wise purchase to help protect your investment. Boating Risks: The Need for Coverage There are many risks associated with owning a boat. What Does Boat Insurance Cost?

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Insurer Insurance Insured Premium 40

TGS

NOVEMBER 15, 2024

For example, if your second car is a brand-new SUV, you may want to opt for comprehensive coverage with lower deductibles. Separate Deductibles for Each Vehicle It’s also important to remember that each car has its own deductible. Decide on Coverage Types and Limits Not all cars need identical coverage.

Auto Insurance 52

Auto Insurance Deductible Policy Insurer 52

Bankers Insurance

MAY 16, 2024

Sustained losses inflicted by natural disasters spurred some insurance companies to pull out of the homeowners insurance market in high-risk areas, such as California and Florida, leaving residents with fewer options and higher prices. Reduce liability risks. billion each. Not a client of ours? Let us compete for your business!

Home Insurance 52

Home Insurance Policyholder Insurer Insurance 52

Distinguished

NOVEMBER 7, 2024

Surety’s Defenses : The surety may invoke certain defenses against the obligee’s claim, such as contract modifications that increase the surety’s risk without consent or the obligee’s failure to comply with contractual conditions that mitigate the surety’s obligations.

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Claim Compensation Risk Broker-Agent 52

Bankers Insurance

AUGUST 8, 2024

For example, if an insured’s property is valued at $1 million, but their coverage limit is $700,000 and their policy includes an 80% coinsurance clause, they would likely receive only $43,750 after incurring $50,000 in property damage from a covered event, depending on when their deductible is applied (700,000/800,000) x 50,000 = 43,750).

Commercial Property 59

Commercial Property Property Insurance Commercial Out-Of-Pocket 59

TGS

SEPTEMBER 11, 2023

The South Carolina Legislature required insurance to be available to at-risk coastal homes. According to the state of South Carolina, Wind Pool is a last resort for those in a high-risk coastal area. A lot of this includes the risk of the location of your home. This program started in 1971.

Insurer 52

Insurer Insurance Insured Out-Of-Pocket 52

Peter J. Fournier

JULY 30, 2021

Many agents are attracted to selling Medicare plans. Most agents are attracted to Medicare because of how easy it is to sell. This comes down to the lack of a relationship most agents have with their clients. Start To Cross-Sell One of the biggest problems that agents face is nerves. But there is more to it than that.

Life Insurance 52

Life Insurance Insurer Insurance Insured 52

Smart Insurance Agents

AUGUST 23, 2024

The MPP aims to provide sponsors with a predictable and stable payment stream through cost sharing mechanisms, which will allow them to manage their risk more effectively. The 2025 Medicare Prescription Payment Plan (MPP) introduces an innovative risk-sharing model that supplants the existing payment structure.

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Out-Of-Pocket Risk Deductible Claim 52

Smart Insurance Agents

AUGUST 31, 2024

Nerve block anesthesia involves the injection of a numbing agent near a specific nerve, effectively blocking the transmission of pain signals from that area of the mouth. The plan’s annual maximum and deductible are also crucial factors to consider.

Out-Of-Pocket 52

Out-Of-Pocket Out-Of-Pocket Expense Insurer Insurance 52

Smart Insurance Agents

JANUARY 11, 2025

This proactive approach not only reduces the risk of serious health issues in the workplace but also contributes to a healthier workforce overall, resulting in fewer sick days and increased productivity. If a small business cannot offer health insurance, it risks losing out on skilled employees to competitors who do.

Insurer 52

Insurer Insurance Insured Out-Of-Pocket 52

Cover4LetProperty

OCTOBER 10, 2022

That is to say, you (or your agent) are without a criminal record and have no convictions for breaching landlord laws, regulations, or codes of practice. You might also want to consult a letting agent about a realistic rent for the property you are offering. What rent can I charge and how much is it going to cost me to do so?

Insurer 52

Insurer Insurance Insured Property Insurance 52

Property Insurance Centre

SEPTEMBER 25, 2024

If your property is located in an area with a high risk of natural disasters, such as floods or earthquakes, your insurance premiums will be higher. If your property is older or in poor condition, it may be more at risk of damage or deterioration, which can result in higher insurance premiums.

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Building Insurer Insurance Insured 52

Smart Insurance Agents

SEPTEMBER 17, 2024

Whether it’s a routine pelvic exam or a high-risk pregnancy, OB-GYNs possess the specialized knowledge to offer optimal care. Insurance plans often have different deductibles and co-insurance rates for specialist visits compared to primary care visits. This dual focus ensures they provide holistic care tailored to women’s needs.

Out-Of-Pocket 52

Out-Of-Pocket Out-Of-Pocket Expense Insurer Insurance 52

Smart Insurance Agents

OCTOBER 15, 2024

The ACA’s individual mandate, which required everyone to have health insurance, was a critical component in maintaining a balanced risk pool and keeping premiums affordable. Gaps in coverage can reset out-of-pocket maximums and deductibles, resulting in higher long-term medical costs.

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Insurer Insurance Insured Premium 52

Jackson & Jackson

MARCH 18, 2024

The risks surrounding your precious bags are real, from theft to damage due to natural disasters. Compare the coverage, limits, deductibles, and any additional benefits they offer. The post Insuring Your Legacy: The Ultimate Guide to Luxury Handbag Insurance appeared first on Jackson & Jackson Insurance Agents and Brokers.

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