Thoughts From a Successful Insurance Agent

The Hows and Whys of My Journey as an Insurance Professional.

An Interview:

What prompted you to enter the insurance profession?

A friend of mine uses a certain reputable independent insurance agency and he heard through the grapevine that they were in need of more agents. I was in the market for a try, so I called the agency and I went in for the job interview. Since then, it’s been a genuine partnership.

What sort of schooling was required of you?

I had to undergo a forty-hour insurance agent course that taught me about the related legalities of the insurance world. I then took the NJ exam and passed. I graduated the course as a licensed insurance agent. But the chief tutoring came on the job. The agency management bent head over heels, so to speak, for me to learn the ropes as far as insurance sales go. At first, they assigned someone to accompany me as I met and solicit business through walk-ins or cold calls. Nothing compares to being walked through the insurance agent process than being proctored by someone with decades in the business. That experience really brought me to the level of expertise that went henceforth to success in the industry.

So, the agency was encouraging and accommodating from day one?

One bold word in capitalized letters: YES! Getting the support from such an upstanding award-winning agency that does direct business with scores of the leading underwriters in the country was the driving force that got me where I am today.

How did your impression of insurance change since becoming a professional insurance specialist?

I never thought into it before, but virtually anything in life needs insurance – from car driving to house owning to running a commercial enterprise or non-profit. Becoming an insurance professional has made me aware of the great impact I can have on a person’s life.

Now that you have been in the business for a good amount of years, what strikes you as an important aspect in regard to the agency a person chooses to acquire a policy from?

I’d say on the whole, it is how a given agency projects itself to the public and the manner in which the agency’s employees interact with customers that is so telling about the upper level in the company. An agency, like the one in which I am privileged to work for, that gives respect to staff members and clients, displays a working knowledge about the wide array of differing policies, and a passion for serving customers individual needs is the one I’d recommend as a go-to place for those seeking insurance coverage.

Do you have any tips to those that may have an interest in the field?

I sure do. For those that find a calling to assisting others and bettering their lives, the insurance field is definitely something to consider. Though there are pitfalls as in any niche in the business world, it’s a worthwhile endeavor.

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Understanding Action-Over Claims for the Contractor

Ask a few contractors. They’ll nod their heads in agreement: Contractor insurance seems to cost more and more, particularly in states that side with the laborer. Ask an insurance agent and you’ll get an earful about the causes.

Some state legislature in regard to labor disputes are predisposed to the worker. It’s for this reason that insurance companies will end up paying more in defense and liability costs if there is a worker that gets injured at your site. And it’s for this reason, the premium is higher.

General contractors operating in these places, as well as property managers – among others like them that hire subcontractors – need to think about getting another form of insurance in regard to worker accident liability. While it’s true that this insurance, known as action-over claims, adds to already high premium costs, in the event there’s a third-party injury claim and the commercial general liability policy excludes this type of claim, coverage means everything.

Action-over claims insurance protects you if your worker or the subcontractor’s worker incurs injury and then collects worker comp benefits – and then targets a liability claim against the property owner who then casts the liability back to you.

Action-Over Claim – What it Means

Here’s an example that may help explain the insurance idea.

Do-All Property Management Company put its signature on an indemnification agreement provided by an apartment complex it was assigned to oversee. The agreement meant all job risks were the responsibility of Do-All.

It so happened that a painter slipped off his ladder. The accident resulted in a serious breakage of both legs. The painter needed money right away to take care of expensive doctor bills, hospital stays and loss of income so he filed a workers compensation claim with his boss – Do-All’s subcontractor.

Now, the painter needed a venue for further compensation. He knew that suing his boss was out of the question because he had already collected workers comp benefits from him. He was advised to file a multi-million lawsuit against the apartment complex owner. Once the apartment complex owner was notified about the suit, he contacted Do-All Property Management who as per the indemnity agreement was now responsible for the liability.

In the event Do-All had the foresight to include action-over claims coverage with his commercial general liability policy, there would be protection and peace of mind. On the other side of the coin, in the event there was an action-over claims exclusion on the Do-All business policy, the management company would find itself in ‘hot water’ with the need to pay total out of pocket third-party charges.

To find out more about this important coverage for the general contractor and industries like him or her, contact an experienced independent agency.

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How Credit Insurance Helps the Distributor

An Authentic Report in regard to Specialized Insurance for the Distributor

A standard business insurance policy usually consists of general liability, including fire and workers comp coverage. What many may not realize though is that there is protection beyond the typical that a business may be in need of.

An insurance specialist affiliated with an independent agency highlighted this chain of thinking to a client once.

“Do you realize,” he began while engaging the man, “there is insurance that can cover a business risk from A to Z! Our agency is especially tuned in to finding all-encompassing coverage for specific risk exposure that we may note in a particular company or organization. Businesses would be surprised at the extent of coverage actually available.”

Then the insurance agent continued with a light discourse about the client’s father’s distributing business and how credit insurance can help those in the industry.

Unlike others that use an immediate payment system in business, the distributor often allows those he deals with to postpone payment. The credit system may be necessary to retain his customers, but in the event a merchant that takes advantage of the payment mode does not end up paying, the distributor can find himself in deep trouble that may lead to financial ruin. After all, the nature of the business relies on cash flow: the distributor uses the payment he receives from the vendors to purchase more merchandise; without money to do this, the business may be destined to a partial or complete standstill.

If a distributor has credit insurance, however, there is protection against the failure to pay risk. Should a distributor be faced with non-payment, the coverage will cover his bills! Furthermore, credit insurance (also known as trade credit insurance) offers numerous other advantages.

Credit Insurance allows the distributor to:

• Continue selling to regular customers and increase business through new customers, regardless of the possible payment risks that may be
• Cultivate more customers
• Have access to business monies
• Benefit from enhanced lending terms offered by banks
• Receive tax breaks from paid credit insurance premiums
• Use offered info and risk management that comes with the credit policy to aid in credit loss prevention

After listening to the insurance specialists lesson about credit insurance, the client made the connection with another distributor. As is generally the case, this distributor was worried about credit risks. Following an analysis of his business and the inherent exposures he had, the man decided to go for the related coverage, customized to his needs.

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Brief Discussion on the Fundamentals of Digital Marketing

With the introduction of computers and the internet, companies prefer to do sales and marketing in a non-traditional way. Instead of relying on door-to-door sales and marketing, modern businesses prefer to maintain corporate portals where they highlight the products or services meant for marketing and sales. Modern business houses prefer digital marketing to sell products or services as this method of sales and marketing is considered effective yet less laborious. This blog highlights the fundamentals of digital marketing. It also discusses SEO and its role in web marketing.

Digital Marketing and Search Engine Optimisation

SEO is also known as search engine optimization and it is very important as far as web marketing is concerned. Companies hire the expertise of professional web marketers to sell their products and services. The expert digital marketer uses their skills, strategies to market, and sells products or services. The professionals in the field of digital marketing use SEO to enhance the visibility of client resources like websites, webpages. More visibility of client online resources implies that the business seeking SEO services attracts more web traffic, hence there exist greater chances of lead generation, conversion of leads to sales. If a business manages to convert leads to sales then it implies that it generates business profits.

Benefits of SEO

Following are the benefits of using SEO as part of web-marketing:-

SEO helps a business to enhance its ranking in the various search engine research pages
It helps to attract more and more quality online traffic
It helps to generate leads
Convert leads to sales
SEO contributes to business profitability
Search engine optimization also contributes to branding

Types of SEO

SEO or search engine optimization is of two types and they are as follows:-

On-Page SEO
Off-Page SEO

What is On-Page SEO?

At first, it is important to say that when web marketers do SEO then they deal with client websites or other web resources. On-page SEO is the type of SEO that is done on the website of the client. It deals with keyword research and analysis. In On-page SEO, digital marketing experts require to have skills in writing and posting content for the client website. Such contents include the Title, meta description, body of the content. On-page SEO is associated with using keywords in the website contents. The expert search engine optimizer should make sure that the keywords are well-researched, they are not that competitive but have high online search values. Moreover, the keywords that need to be used in the content should be relevant. For keywords it is important to mention that there are broadly two types of keywords 1) Short-tail keywords 2) Long-tail keywords. Short-tail keywords are more competitive than long-tail keywords and hence the chances of converting leads to sales are low with short-tail keywords. It is always advised to use long-tail keywords in website content while doing on-page SEO. Besides, on-page digital marketing also involves search engine indexing so that a website or a link has higher visibility in the search engine results pages.

Off-page SEO

Off-page SEO also deals with search engine optimization activities that are outside a website. Off-page search engine optimization deals with link-building. Proper link-building of a website can enhance the DA (Domain Authority), PA (Page Authority), PR (Page Rank) of the website. It implies greater exposure of the client business, more lead-generations, and conversions. For more information on Off-page web marketing visit relevant websites available online.

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Understanding The Significance of Content Writing in SEO

SEO or search engine optimization is very important for the growth of a business. Web marketers or SEO specialists who are responsible for doing the search engine optimization of client websites require adopting SEO strategies to enhance the visibility of the website in the various search engine results pages. The website visibility depends on how well the SEO expert conducts on-page as well as off-page optimization of the client website. In the context of on-page or off-page search engine optimization, it is important to understand that the emphasis is always on the website contents. It is important that the content for on-page as well as off-page search engine optimization is well written with proper distribution of keywords, anchor text. The objective is to attract more and more web traffic to a business. From this angle the significance of content writing and content writers is high when it comes to search engine optimization.

Tips on Writing SEO Contents

This blog discusses how you should write content while doing on-page or off-page SEO activities.

On-Page Content Writing

if you are focussing on on-page activities then you know that you have to write high-quality content for your website pages. The objective is to attract more and more traffic to your business. Understand that greater traffic implies higher lead-generation and subsequently greater conversion of leads to sales. While writing on-page content like the content for a website’s about-us page, you require to be very specific about your business, you require to highlight your business objective. While writing the content you can use anchor text as and where required. The links that you use need to be relevant. There should not be an overuse of keywords. The keyword distribution should not exceed 1%-3% in the entire content. If you follow these rules then you discover that your website content is presentable and attracts more and more online traffic.

Off-page Content Writing

Off-page search engine optimization means link building. Link building in SEO is very important as it helps to enhance the page rank of a website, it helps to enhance the DA or domain authority value, the PA or page authority value of a website. During the process of link building, the web marketers require to post content along with relevant links in a number of blog sites, article sites, forum sites, question answers site, press release sites. To create the content the web marketers require the participation of content writers. To do off-page content writing the web marketers require to follow some rules. They require to write content on the topic, include keywords that are relevant to the topic. The content writers require to use anchor texts linking relevant websites or web resources. In this context, it is relevant to add that the content writers can do keyword research to find out the keywords to be used for the content, or else the list of keywords will be furnished by the client. There should not be an overuse of the keywords. The entire content should have a keyword density in the range of 1% to 3% only.

This blog highlights the fact that content writing is immensely important for both on-page as well as off-page SEO. Therefore, the next time you wish to do SEO of your client’s website then be sure to hire the quality services of a professional content writer.

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Strengthening and Enforcing Our Profession

In order to be an effective project manager (PM), we should look at our definition of project management. Definitions surprisingly vary greatly by organization and individual. We should be careful about calling something project management that really is not. Doing so often confuses the profession. Call it what it is. If a position is more administrative, add this label. If a position is more holistic with overall responsibility and leadership for the success of the project, I’d be more inclined to call it project management. Well defined roles are not only essential for the organization and individual, but for the profession at large.

If someone is used to providing project leadership and overall project responsibility under a PM title, certain expectations are set. If the next opportunity doesn’t provide the same opportunities and expectations both the organization and individual may experience issues. Likewise if someone is in a lower level position where they simply schedule meetings and follow-up on action items, this individual may develop an inappropriate perception of project management. Remember, a true PM is responsible for all aspects of the project, including management of scope, time, cost, quality, procurement, human resources, communication, risk management, stakeholder management, and integration. I’d even take this list a step further and involve the PM in scope discussions during business development. It’s never too early to involve the person responsible for high stakes efforts.

Other pet peeves of mine are a lack of analysis and a lack of communication skills. Project management isn’t about producing reports or documents, but managing to ensure project success. Project data is necessary to ensure success, but without analysis and interpretation it is strictly administrative data. I’m also often amazed at the lack of communication in project management. Strong PMs spend eighty to ninety percent of their time communicating. This doesn’t mean just forwarding emails, but providing impact analysis and recommendations. And my final pet peeve (for this posting!) centers on improperly handling situations by escalating all items or informing all parties of all developments. This goes along with communication. Determine your stakeholders and how you will interact with those stakeholders. It may be easier to copy everyone involved, but it’s not about what is easy.

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Ways to Create a Powerful Website Design

For businesses to grow and be successful they need a website since this is among the most effective tools to realize their goal. This is also the way to draw potential customers to the products and/or services they offer. In addition, this has a wider reach compared to other marketing methods without their high startup costs. Businesses can consider the following tips to create a powerful web design.

Take Advantage of Visual Hierarchy

The term visual hierarchy refers to the arrangement of website elements like the color, font size, white space and position to put emphasis on the primary point for every page. In order to complement a call to action (CTA), it is important to direct the eyes of visitors to something they want done by means of these visual factors.

To highlight their landing page’s central theme, they can do the following:

Make the font size larger.
Place the text at the top part of the window.
Choose a contrasting color since this stands out from the rest of the page.
Include a captivating graphic or video making use of the latest innovative web design trends.
Use white space so it will stick out from other text.

Use Minimalism

Businesses should use and integrate the above mentioned elements on the website but they have to keep in mind that this should be done in moderation. If this is overdone, this will cause cluttering, which will make customers confused or even worse, discouraged.

Also, they should not let visitors complete many tasks. They should minimize form fields as well as menu items and only focus on one CTA that has one goal per page.

According to a Google study, users do not like visual complexity. There are ways to simplify a site such as:

Eliminate the Sidebar – rather than have readers click on information on the sidebar, the process can be made easier by taking away this element and just create a very long page. In this way, they will be able to scroll through the content and scan everything, raising the possibility that the message of the brand will be conveyed.

Go for Familiar Layouts – while they may think that an unusual site design will set their domain apart from the rest of the competition, visitors are actually attracted to simple layouts with easy to understand icons and effects. Also, using a regular web structure can improve navigation on their site.

Prioritize Readability

Businesses should consider readability to make it easy for users to recognize and comprehend the text on their site. Prioritizing this factor will make sure that users will not have a difficult time in scanning their site and will remember the information they want to be retained. They should use the most ideal typeface, font size and contrasting colors for their brand.


Websites are important since these provide prospects with information on the business, which includes the office address, email address and phone numbers.

In addition, websites enable businesses to build and establish credibility in their niche of choice by being a source they can trust and rely on. The best SEO strategies and relevant content will help establish their authority in their industry making use of their domain and most especially, a powerful website.

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Data Science And The Advantages It Offers

Data Science has turned out to be a progressive technological field that everybody seems to talk about these days. In fact, it is considered the ‘most appealing job of the 21st century’. Let’s find out more about it.

Data Science is a buzzword and not a lot of people understand it. While many human beings desire to emerge as data scientists, it is indispensable to check out the advantages of this field. Let’s check out some of the advantages.

1. It’s in high Demand

Data Science is in high demand. Prospective job seekers have several opportunities to avail of. It is the quickest developing field of job on LinkedIn and is envisioned to create 11.5 million jobs by the end of 2026. This makes Data Science a pretty employable job sector.

2. Abundance of Positions:

There are very few human beings who have the required skill-set to become a good data scientist. Therefore, this field of job is less saturated than other IT sectors. Therefore, this offers a lot of opportunities. The subject is high in demand but there are not many professionals out there who can meet the demand.

3. A Highly Paid Career option

Science has created a lot of highly paid jobs. According to Glassdoor, Data Scientists make more than of $116,100 per year. This makes data science one of the best moneymaking professions out there.

4. Versatile

There are several purposes of data science. For instance, It is extensively used in health-care, banking, consultancy services, and e-commerce industries. So, this field is a very versatile. Therefore, you will have the chance to work in a number of fields.

5. Data analysis

Data analysis companies require experts to analyze their data. They not only analyze the data but also enhance the quality of it. Therefore, this offers a lot of benefits for companies that are looking for an ideal way of getting their data analyzed.

6. Data Scientists are Highly Prestigious

Data Scientists allow different types of groups to make smarter business decisions. Companies rely on these professionals and use their understanding to grant much better services for their clients. So, these people play one of the most important roles in the company.

7. No More Boring Tasks

This has helped a number of industries to automate different types of redundant tasks. Companies make use of historic information in order to train machines to perform repetitive tasks. This has simplified a lot of hard jobs undertaken by real people before.

8. Data Science Makes Products Smarter

This field involves the use of Machine Learning that has enabled industries to create higher quality merchandise that are customized for each consumer.

For example, Recommendation Systems use on e-commerce web sites provide customized insights into the likes and dislikes of customers primarily based on their historic purchases. This has enabled computer systems to apprehend human-behavior and make data-driven decisions.

9. It can Save Lives

The Healthcare sector has been substantially uplifted due to of the advent of data science. With the introduction of computer learning, it has been made much easier to become aware of early-stage tumors. Also, many different health-care industries use these systems in order to assist their clients.

10. Data Science Can Make You A Better Person

This will not just provide you with a good profession but will also help you develop your personality. You will be able to enjoy a problem-solving attitude. Since many of these roles bridge IT and Management together, you will be capable to get the most of both the worlds.

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