Clash Roody-Trouble Boy : la réponse de Roody à son semeur de Trouble. Voir la vidéo ci-dessous pour voir l’entrevue
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10 Tips for Buying Business Insurance
Buying insurance can be a frustrating process for business owners. Providing all the information to the insurer can be time-consuming, and if the policy is then declined it can be very disheartening, and the whole process can seem like a waste of valuable time and resources. But for all the difficulties, you need insurance, and doing it right is worth the effort.
Start by thinking about why you need insurance. Some examples include protection from catastrophic loss, stabilization of cash expenses, offloading defense of claims, and funding early settlement of claims to manage the size of a loss. Make a commitment to paying attention to every small detail. An underwriter can only make decisions on the information you provide. If you don’t give each detail sufficient attention, the underwriter won’t have all the information required to make the right decision.
Measure and address your potential liability!
Here are 10 tips to consider when you’re buying insurance:
1. Give the underwriter a reason to write the account. There will be basic underwriting guidelines for any underwriter, but this framework is not intended to address every possible situation. Give the underwriter a reason to fit your business into the guidelines, or to make an exception if it’s necessary. Make a point to emphasize what’s good about your organization: good works, prevention and risk reduction programs, professional operations, and more.
2. Let the underwriter know if you have a renewal quotation for an existing policy. This can provide a baseline, giving the underwriter a chance to match or beat the other quotation. Having the renewal quotation can help you negotiate more favorable terms.
3. Give lead time for an underwriting review. Submitting your insurance application well in advance of the desired coverage date gives the underwriter an opportunity to review your application and clarify any questions. This advance time also gives you an opportunity to figure out all the features of the insurance product, solicit competing quotations, and compare terms.
4. Complete the application. This might sound like an obvious tip, but make sure you answer every question. Each one is important to the insurance company, and an incomplete application will either be declined outright or sent back to you to complete. Checking to make sure you’ve finished the application can save you a lot of time and hassle.
5. Include all supporting information. The insurance company wants to see each piece of requested information in order to accurately underwrite your policy. List each enclosed item in the cover letter, and perform a second check to be sure that each item is in the package before you send it. See more http://gosmallbiz.com/10-tips-for-buying-business-insurance/