Tag Archives: business insurance

Tips on What to Look For In Finding A Great Property And Casualty Insurance Agent

My goal in writing these Blogs is to give both Principals of business as well as Insurance professionals help it a better world for both to operate in.

If you’re a business owner looking for some tips on what to look for when purchasing property casualty insurance here are a few tips for you.

Here’s some tip’s. Look for a great agent. Great Agents are like great police detectives, we ask a lot of questions. In order for us to know what loss exposures you have we need to know exactly what your operations are.

I can’t tell you how many times at the end of an interview I have had someone say to me, ” oh, and we also do some bla bla bla etc.”.

This bla bla bla may be harmless and it might be a huge risk exposure. Agents as well as companies can’t and won’t cover it if we don’t know about it.

So, to make a long story short. Good agents should ask a lot of questions. We need to be great listeners, and please look for one who has a lot of experience in insuring the type of business you are in. Many of us specialize in certain types of business and not others. Don’t be on the learning curve of a rookie.

There is so much more that I will be writing on. I hope the words are helpful. Please leave me feedback. If you would like to visit us I am at mancinoandassociates.com, and my name is Bert Mancino.

Thank you for spending your time with me.

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ANOTHER GREAT SALES CALL

I just wanted to once again share with you something that took place on a sales call earlier today.

while I was out on a policy delivery I was told a story that once again left my jaw to drop. Here’s kind of how it went:

While doing my delivery I was told that my business owner had called for a quote on his/ her homeowners insurance about 3 weeks ago. I was told that our service/ salesperson was phenomenal. That we had recommended more coverage on the house, as well as increasing their personal liability coverage. Please believe me as he couldn’t say enough about the presentation or the advise of the agent.

Almost all in the same sentence he/she said they were so grateful for the advice because they immediately called there current agent and had the changes made. The funny part is, is that when people do this they really want you to know as to not worry YOU with THEIR insurance deficiencies.

Long story short!

If this is you,  I promise you this. You will receive the same lazy service at point of loss that you have received prior to your loss. Good insurance agents are good ALL the way around. We actually care! But, if you have a bad agent only YOU can fire them. Please don’t forget the years of training and hard work that good insurance professionals have implemented in giving you there attentions. I know price matters, but I have seen this stuff done too many times.

Agents, sell value. As Agents we want you making the best insurance decisions on your insurance. But please don’t forget to reward the ones who are earning it!

Business Insurance Call of the Week

My name is Bert Mancino, I have over 30 yrs experience as an Agency owner as well as a full time on the road commercial insurance, yes I’ll say it, “SALESPERSON”.

Since I am new to blogging I promise I will blog just like I sell,   with no BS and get right to the point!

My goal here is to provide you with information you can use to help in making your business insurance choices.

Since my thoughts are vast and my keyboarding skills are slow, I will try to get something out a few times per week.  I really hope you will like what is here,  and PLEASE feel free to use the information as well as pass it along to your friends.

My goal here is to share with you at least one story of a call I have been out on in a recent week. We can call them the, ” call of the week”.

My, “call of the week” last week took me to Binghamton, NY.

I ALWAYS begin with by doing a thorough interview with the principal. In this interview I learned that their current business insurance was purchased over the phone  and sold by an agent they never met, approximately 7 years ago.

Since no reviews were ever done and the business grew, you could only imagine the state of the insurance? Your right it was pretty bad!

My interviews on smaller businesses, done in person, only last a few minutes, but are vital in assisting me to build plans that are thorough. My theory, bad interview usually means bad coverage! and this was no different.

A week later I drove back to Binghamton, 3 hours from our office. I put together a very thorough and comprehensive coverage comparison. I went through it and stayed to answer any questions and or concerns.

A few days later one of the principals  called our office and thanked me for ALL of the recommendations and wanted to let me know how grateful they were for all we had done, but that they called there present agent and read my recommendations to them, and they were now all set!

My point is this! You can buy business insurance any where at any time. But, the moral of my sales story is this, Really good insurance professionals are very hard to find today. Pleased don’t be fooled in to a false sense of business security. Take the time to review your coverage!  and lets not forget to reward the ones who have earned your business!

Though most businesses are guided by the same principals of fair play in which we all share, I urge you in business to reward the ones who earn your trust, and to replace the ones that simply take your money!