Cyber Insurance Helps Combat Data Theft Risks

The healthcare industry, which includes several different types of companies, including hospitals, hospices, assisted living facilities, and urgent care locations (to name a few), faces the risk of a network security breach every single day. The storing of personal health information of clients causes a great concern, especially should this information be accessed or stolen by hackers or others looking to profit from it.

The fact is, without proper security protocols, everyone is open to identity theft, as well as unauthorized use of any stolen confidential information. Other valuable information, such as tax identification numbers, credit card numbers, bank account numbers, and more are all at risk. Cyber insurance is dedicated to helping any and all firms protect against this growing exposure.

Exposures result in potential losses

Most state laws mandate that businesses must notify anyone whose private information has become compromised after a breach occurs. This obviously can be quite a costly undertaking, plus the damage to reputation will often be a further result due to the negative impact caused by such an occurrence. If your client has sensitive confidential information on their computers, servers, and laptops, as is the case with most companies nowadays, what steps are being taken to prevent such a theft from occurring?

These threats not only exist from unknown parties, but, also from people within their very own organization. Disgruntled or dishonest employees may look to profit from the theft of credit card numbers and other valuable private information, making cyber insurance important for internal concerns as well.

The Internet is now a standard for business transactions

Companies nationwide now depend on the ability to transact business via their websites, therefore they must enact policies and procedures related to managing private and confidential information in order to combat cyber theft. Most businesses today must contend with cyber-related exposures that will not be covered under any traditional business insurance policies. Since there is no standardized policy related specifically to cyber liability issues, coverage for these types of losses will vary from one insurance company to another. Speak to your clients involved with the healthcare industry to help them to better understand their exposures and suggest they secure cyber insurance coverage to combat any issues after a theft occurs.

Insurance Websites Designed to Generate Consumer Interest

People will always value insurance to provide comfort and help aid them when it is needed most. Most often they will purchase their insurance from a particular agency because of past experience or a trusted referral. Many times it’s determined by how products and services are presented to them. People like to know what they’re buying, what positive impact it will have on them, and the ease with which they’ll be able to file claims and get fast results.

Most insurance agents spend a good amount of their time vying for new business. Now that most people shop online, it’s important for agencies to have well designed Insurance Websites. No matter the type of insurance being sold, consumers use the Internet, not only to find insurance, but to compare policies and pricing as well. Therefore websites must be easy to navigate. Without this, it can be difficult to position your company to achieve a high level of success.

 

It’s recommended that you hire a professional

When building a website, think conversions. Any agent wants to have people come to their website and either submit their contact information, or make contact via phone. This tells them that the site is generating interest, and that helps put the agency in a position to make a sale. That’s why there are designers and developers, all of who are quite capable of making well-designed websites. Take the time to study other sites to see what looks like a well-structured site that’s easy to navigate.

 

It’s important to make it consumer friendly

Whenever someone is a visitor to a new website and they can’t find contact information easily, most likely the website will be a failure. You really must make this as simple a process as possible. To ensure that contact information is easily accessible, include an email address and phone number on the home page, and the header or a sidebar is a great location for this information.

You are likely not the only game in town, so you should do something unique that will set you apart from the competition. This will definitely give consumers added confidence in the products you’re presenting. Insurance Websites don’t have to be complex they just have to be well organized and planned out.

Insurance Marketing Strategies for Agents

Using those long-standing clients for customer leads can give you a big advantage as you prepare to list some of your insurance marketing strategies designed to attract new business. After all, clients are one of the best sources for referrals. Since they’ve already shown their loyalty by reenlisting your services over the years, this can go a long way in enticing others to want to join the fold. There are other strategies you’ll want to consider as well. A successful agent never puts all of “his or her eggs” in one basket.

1. Post customer video testimonials on your website

This is a really great tool to utilize. By posting on your website (and social media page), these short videos, featuring customer testimonials, will demonstrate your success rate to a great degree. No one can sell the benefits of doing business with you better than a satisfied customer. This can help to clearly demonstrate that your agency has quite a few clients with some great things to say about their own personal experiences.

2. Post letters from client online

This is yet another great marketing tool. Written notes expressing how your services helped them accomplish their goals often helps to close deals. By having a client write a letter, (or simply post a positive comment online about your agency), you’ll likely garner some inquiries. Make sure to post it on your social media page as well. The more exposure you have, the better. Those shopping for insurance will often look to others for guidance, and a few positive letters about your knowledge, care, and protection will help to improve everyone’s impression of your company.

3. Utilize your “Refer-A-Friend” page

If you don’t already have one (and who doesn’t?) create a page on your website that will allow people to refer friends to your agency. This has proven to work for many agents, and while you’re at it, send an email blast to your clients as well. You can email clients, and once in a while remember to post a link on your website and social page. These are a few sound insurance marketing strategies that are easy to utilize and really work!

Orlando Business Insurance Needs

For those who take pleasure in owning and operating a small business there are many exposures that need to be addressed. A lot can happen during the course of just one day that could result in an injury, a work stoppage due to mechanical breakdown, or you could be slapped with a lawsuit, any of which could greatly affect your bottom line. If a natural disaster happens to hit your business, like a storm or an earthquake, and cause major damage to the building, do you have a plan for rebuilding and getting things back to normal? How about an employee sustaining an injury or illness that require six months or longer to heal before they can return to work?

To a small business owner who is unprepared for any of the types of events listed above, the inability to continue producing products or provide services could be crippling. A lawsuit brought on by a customer or vendor could be devastating to your business as well. Orlando business insurance can and will provide the necessary protection needed in the event that any issue covered by the policy puts your business at risk. There are policies available for property damage, business interruption, workers compensation and any and all liability issues.

 

How much insurance is required?

A review of the company’s assets and liabilities is a good starting point to determine exactly how much and what types of coverages are needed. As a business owner, you shouldn’t spend a great deal of energy on some of the smaller details as they’re better left to a manager or supervisor. Your focus should be on the important work of protecting your company for the long run, creating vision and key strategies that will lead to a healthier work culture – things like building a loyal customer base, creating trust and accountability, and developing competent leaders, supervisors, and staff.

These are problems that may need your immediate attention and some form of action to resolve the situation. But there may be occurrences, for example, a radio ad doesn’t run properly, or an assistant manager suddenly quits, that shouldn’t have the same impact as far more serious and complicated issues (inadequate coverage for certain perils) that could wind up costing far more. Consider these important factors when shopping for Orlando business insurance for all small business needs.

State Laws and Liability Dog Insurance Issues

There are certain laws that determine dog bite liability, and these of course vary from state to state. Dog owners need to know exactly what the liability issues are in whichever state they live. Basically, there are two kinds of laws: liability when the owner of the dog knows (or should know) that the dog might be prone to biting someone, and then there is liability regardless of what the owner knew or should have known. Having liability dog insurance helps pay for any damages.

”One Bite” laws work to the dog owners’ advantage

The “One Bite” law is applied in about 40% of the states in the US. Generally stated, it once meant that a dog was allowed “one excused bite” before its owner wound up in legal trouble. Now, however, the one bite rule doesn’t necessarily allow a dog to bite someone without consequence. If an owner knows the particular breed is dangerous, the owner could be liable for that first time that an incident occurs.

The owner simply must take necessary precautions, all the more true based on his or her knowledge of the animal. For example, a dog that is prone to snapping at people should always be restrained. The owner could also be held liable if someone approaches the dog, is not properly warned about the animal’s aggressive behavior, and is subsequently bitten.

The dog’s breed, how the owner went about training the dog, how the owner typically restrained the dog under necessary circumstances, and for what purpose the owner bought the dog, for example, protection, could all be used in determining if there is a viable case against the owner of the dog.

“Strict Liability” dog bite laws

The majority of states have enacted “dog bite” statutes that provide specific rules for dog bite liability cases. “Strict liability” means that the defendant is held liable in the event that a specific event occurs, and this may be regardless of whether or not the defendant could have done anything to prevent the event from occurring.

As the owner of a dog that may be prone to biting or attacking, you should carry sufficient liability dog insurance. Because, in a court of law, if the plaintiff did not provoke the dog in any way, and was within his right to be located where he was at the time of the attack, then the defendant would be liable for the dog biting this person.

Planning Websites For Your Insurance Agency

Insurance will forever be a requirement, either to protect personal assets, or the business entity as a whole, and we will all buy insurance at some point in our lives. Whether you purchase insurance from one agency or another will often depend on just how well they present their products and services. People want to feel comfortable knowing what they’re buying, as well as how quickly and easily they’ll be able to file claims and get results.

When building Insurance Websites for your business, one major factor should come to mind, and that’s conversions. This is best accomplished when an agent gets people to come to their website and submit their contact information (or make contact via telephone). In either case, the site is generating interest, and this helps put the agency in position to make sales.

A professional is best at building a proper website

There are designers and developers who are quite capable of helping to create a well designed website that suits your needs. Take time to evaluate other sites and decide what looks good to you and also how user-friendly the site is in terms of being easy to navigate.

Make sure to keep the consumer in mind

When someone visits a website and finds it difficult to find something as simple as your contact information, you’re likely to have problems. Simply make this a priority. Ensure that contact information is easily accessed, include an email address and phone number on the home page (and on every other page of the site), and remember that the header or a sidebar is probably the best location for this information.

Chances are that you aren’t the only game in town, so if you aren’t doing something unique to set your site apart from the competition you won’t be leading the pack. You must give the consumer the added confidence that comes from knowing they’re dealing with the best in the business, and also knows everything there is to know about the products being presented. Insurance Websites for agents don’t have to be overly complex – they just need to be properly designed.

Planning Websites For Your Insurance Agency

Insurance will forever be a requirement, either to protect personal assets, or the business entity as a whole, and we will all buy insurance at some point in our lives. Whether you purchase insurance from one agency or another will often depend on just how well they present their products and services. People want to feel comfortable knowing what they’re buying, as well as how quickly and easily they’ll be able to file claims and get results.

When building Insurance Websites for your business, one major factor should come to mind, and that’s conversions. This is best accomplished when an agent gets people to come to their website and submit their contact information (or make contact via telephone). In either case, the site is generating interest, and this helps put the agency in position to make sales.

A professional is best at building a proper website

There are designers and developers who are quite capable of helping to create a well designed website that suits your needs. Take time to evaluate other sites and decide what looks good to you and also how user-friendly the site is in terms of being easy to navigate.

Make sure to keep the consumer in mind

When someone visits a website and finds it difficult to find something as simple as your contact information, you’re likely to have problems. Simply make this a priority. Ensure that contact information is easily accessed, include an email address and phone number on the home page (and on every other page of the site), and remember that the header or a sidebar is probably the best location for this information.

Chances are that you aren’t the only game in town, so if you aren’t doing something unique to set your site apart from the competition you won’t be leading the pack. You must give the consumer the added confidence that comes from knowing they’re dealing with the best in the business, and also knows everything there is to know about the products being presented. Insurance Websites for agents don’t have to be overly complex – they just need to be properly designed.

Social Media Strategies for Insurance Agencies

Social media is at the peak of its heyday. This means businesses can utilize it to their full advantage for increasing brand awareness. When it comes to insurance social media is a medium that agencies can use for generating leads. However, don’t think you can just send a post here and there and expect hundreds of followers by the end of the week.

What to Include in Your Posts

Consider the following key points for effective posting when interacting with your followers and potential clients:

  • Posts should be informational; however, feel free to link to internal blog posts on your Web page.
  • Include tip-of-the-day posts, such as reminding clients to keep their insurance documents updated or encouraging prospect clients to use your free online insurance calculator.
  • Feel free to use social media lingo, such as “OMG,” “LOL,” happy faces, and even emoticons. While this may seem overly informal and even unprofessional, it may help clients see that the company consists of everyday people who are no different than the clients they serve.
  • Respond to as many individual inquiries as possible, and always address the follower by their name. If you are getting multiple similar questions, then answer it in detail in a blog post and link to it through your social media accounts.

Secure New Clients

When dealing with insurance social media is the hub for acquiring new leads from your key demographic audience. This will help form a rapport between agents and clients.

 

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