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pranton3-blog · 5 years

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Commercial Insurance Brokers Offer More Than Simply Business Insurance Price Comparisons

Consider a commercial insurance specialist the next time you buy insurance online, until a recent resurgence of interest due to new online commercial products, they have not had a good Internet experience.

Brokers provide service, knowledge, quality products, claims help and advice as well as comparing insurance quotes, qualities that are rare or missing in the alternative self-service world of the online price comparison websites.

When direct personal lines cover became an acceptable method of selling and delivering insurance via the Internet, the soothsayers of business doom were crying the tolling of the death knell for the insurance broker as a profession. Even more so for the business insurance specialist intermediaries.

Commercial insurance was notoriously difficult to provide auto-quoting underwriting systems for and it was believed by the mandarins that commercial policies could not be sold online to an ignorant public.

It was imagined that all insurance business would be dealt with direct either by phone or online and the broker trade would decline.

What these people failed to realize at the time though, was that the broker business model, one based on comparing covers and tailoring policies to suit individual needs, was a time tried and trusted method that would re-emerge online as the peoples favorite method of buying insurance, albeit in a new bigger form of the price comparison site.

Commercial insurance price comparison websites were then predicted to replace the broker, as in effect they are providing the same comparative quotation service as the brokers but on a much larger scale.

Commercial insurance specialists realized that they were missing out unless they embraced the comparison site competition. Many of the larger and more Internet savvy brokers decided to take on the comparison sites and offer comparison websites of their own, often with great success.

They took their back office comparison systems and web-enabled them to provide a user-friendly interface. The larger commercial insurance sites now rival the big four price aggregates and many offer a wider range of covers.

With the ability to offer specialist products a broker has an advantage over a price comparison site, however many Specialist schemes from commercial insurance specialist can now be found on price comparison sites. You will often need to look deep and really research the market of quotes offered, to find them though.

Although many smaller brokers have signed up to the large price comparison websites, when you search for their products you are rarely shown these offerings. This is because many brokers have put tight underwriting criteria to the type of business they want from the comparisons site.

Often these restrictions mean that the price aggregation cannot quote their policy because of the restrictive terms imposed.

All online commercial comparison websites suffer from rigid acceptance rules defined by the underwriting company.

The fact that if for example, an office does not reach strict security requirements, then the office package comparison system is algorithmically instructed to decline the business.

Computer says No!

Consequently when the comparison sites quotes compared are returned to a prospective buyer, they are usually displayed in the order of cheapest first, showing those without any endorsements or cover restrictions.

Those smaller but maybe more relevant schemes that are maybe slightly more expensive or need some adjustments to the information entered to quote, are not getting a look in against the large insurers who can compete on price.

Many people, especially small businessmen on a tight fixed budget, mistakenly believe that the cheapest insurance is sufficient for their business needs.

This is particularly true of the sole-trader or self-employed tradesman who resents being told he must have public liability insurance to work on a building site for example.

His likely first port of call will be a search engine followed by a big brand price comparison site looking for the best deals.

Most commercial insurance specialists do not want this type of cheap liability business anyway, which is more trouble than it is worth if there is a claim.

They do want good bona-fide small business and registered companies for which they have the advantage over the price aggregates of offering not just specialist packed policies for shops,office, restaurants, pubs and commercial property but also a human face.

Today, more and more trade specific packaged policies are appearing on commercial insurance websites each month as bringing the product to market becomes easier.

Online brokers can offer telephone help, callback services, claims services, market knowledge and advice over price, human versus computer or simply just service. All things that are missing from the price comparison sites.

The new online commercial broker is taking back the initiative and leveling the playing field for the distribution of Insurance on the Internet.

On the whole the future looks rosy for the forward-looking broker who is willing to adapt and change from his Main Street outdated business practices and embrace the Web for all its potentiality.

On a cautionary note, many a local broker with traditional product offerings who does not adapt, will not be found by the general public and his market reach will always be local.

The Internet has allowed online commercial insurance specialists to introduce specialist risks and cover to the business market that would probably not previously been aware of the policies.

It has also spawned new risks itself such as cyber risks cover, professional indemnity and liability for consultants in every IT and online profession, and even commercial property insurance for web server farms.

The local broker is now international if he has the placement facilities.

Niche brokers with niche schemes are now providing these services to new global markets.

For more details click here

#commercial insurance specialist

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localelectricianshub-blog · 4 years

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10 Ways An Company Directory Might Help This Christmas

If you're seeking companies to cure an urgent situation and it might involve ringing round a few different companies - like plumbers or electricians - then the listed outcomes offered by an online directory might of get advantage. This is unquestionably important stairway. And it demands your full attention. Crucial Find Best Local electricians they are licensed and insured. Specifically why this is vitally important is an individual trusting results on the house or business where the safety of the ones you love or employees depend during the consequences on their work. Remember they exactly what they are accomplishing by requesting to see their up-to-date license to do electrical are employed in your location. Note: Before your grader packs up and gets out of town certain that everything may be the way well-developed body is stronger it. Moving heavy equipment around is costly and you do not require to pay to remove a range of trees, or maybe even a dead tree which missed. Ensure the foundation measurements sometimes contractors make some mistakes. Tip one for getting an electrician is also included with who you know or just go by recommendation on websites or local media. Click here is the right way to find out how one's work even comes close to most people that have used the person in fat loss products .. You can also ask to see the work at the individual that had process done if you find yourself unsure about hiring the person. You will simply use this team when you wish them. They'll point you in significance direction, and you will manage the budget, quality and diary for your house build. Thereafter if you will have the time, absolutely choose you need to do some among the actual labor yourself conserve additional price. Flexibility - the flexibility of the tradesman quite important too. Be it plumbers or electricians or gardeners or pest controllers or painters or landscapers, a tiny bit of flexibility Local electricians Melbourne becomes necessary in them and their work (regarding finances, quality, changes etc). Discuss together about it before arms. Q. Because you involved the involving REO building packages, doesn't this supply competitive edge over others seeing you are first in line to adopt gems with the market?

#Find Best Local electricians

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valiantlyleftcollectorme-blog · 7 years

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kritikapatil · 2 years

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Home Emergency Insurance and Home Services Market Unidentified Segments – The Biggest Opportunity Of 2022

Latest added Home Emergency Insurance and Home Services Market research study by AMA Research offers detailed outlook and elaborates market review till 2027. The market Study is segmented by key regions that are accelerating the marketization. At present, the market players are strategizing and overcoming challenges of current scenario; some of the key players in the study are

SES Home Services (United Kingdom)

Direct Line (United Kingdom)

Saga (United Kingdom)

AXA (France)

Tesco Bank (United Kingdom)

Admiral (United Kingdom)

Max Bupa (India)

Aviva (United Kingdom)

Legal & General (United Kingdom)

Halifax (United Kingdom)

Home emergency insurance and home services is a type of insurance that covers the cost of calling out a tradesman due to a sudden incident like the boiler breaking down or pipes bursting. It is specially designed to make the home safe and it only covers immediate repairs and labor costs. The home services cover the cost of an emergency repair. With the use of home emergency insurance and home services, people can easily get emergency repairs to make their property safe.

Influencing Trend: Government Spending on the Home Services

Increasing Peoples Preference towards Home Insurance

Challenges: Stringent Regulations Regarding the Applications of Home Emergency Insurance and Home Services

Opportunities: Increasing Demand for Home Services will create Opportunities for Home Emergency Insurance and Home Services Market Growth

Market Growth Drivers: Increasing Application of Home Emergency Insurance and Home Services in Property and Casualty Sector

Growing Need for the Home Insurance Policies

The Global Home Emergency Insurance and Home Services segments and Market Data Break Down by Type (Home Insurance, Home Service), Application (Roof, Electrics, Boiler and central heating, Plumbing and drainage, Others), Distribution Channel (Online, Agents, Service Providers, Others), Service Type (Flooded basement, Kitchen fire, Water leak, Water overflow, Power outage, Others)

Presented By

AMA Research & Media LLP

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roofersnearme · 7 years

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Reputation is everything

Reputation is everything. Not only can a good business reputation influence a customer’s decision to do business with you, it can reassure them that they are dealing with a professional business. A great reputation, however, can also bring referrals and repeat business – both of which can make a huge difference to your bottom line.

One of the most simple and effective ways to boost your company’s reputation is to join a trade association or similar professional body. Whilst the benefits gained from each will differ, there are a number of common threads. One of the most important of these is the enhanced credibility you’ll gain with customers. Membership is often seen as a badge of quality that people can trust due to their stringent standards and codes of practice. And, it’s worth it – being able to display the recognised mark of a respected association can work wonders for how your business is perceived. It’s like being recommended by a trusted friend.

In the roofing sector, we are fortunate to have a number of strong, active trade associations that play a key role in promoting and supporting the sector and raising standards. So, whether you’re looking to join for the first time or to take full advantage of an existing membership, let’s uncover why it’s quite possibly one of the best investments you could ever make.

Learning best practice – Ignorance of best practice in roofing can pose a serious business and reputational risk. Trade associations provide a forum for promoting best practice and can give you the edge to help set yourself apart. It can also give you a head start on compliance if best practices are amended or changed.

In the know – It’s important to always stay on your toes and joining an association will provide you with a fast pass to all the latest news and developments in our sector. The National Federation of Roofing Contractors (NFRC) provides members with numerous informative resources; including newsletters, blogs, and forums – all designed to keep you in the know on best practice and fresh ideas.

Professional Development – Improving your knowledge and skillset is vital if you want to grow your business and keep ahead of legislative requirements. Trade associations provide professional development opportunities enabling both you and your colleagues to meet the technical standards required in roofing. These are often in the form of workshops, seminars, training sessions and classes.

Networking – There are numerous opportunities to connect and create relationships with other like-minded business owners and roofing colleagues, and long-term beneficial connections will pay dividends. The chances are that you will also gain new customers from word of mouth referral too.

Tell the world – Marketing material will enable potential customers to know all about your membership. What’s more, you’ll also appear listed on association websites which can lead to increased new business referrals. Enquiries can even be re-directed to your own website.

Project a positive image – To help build customer confidence in your services. Not only will you be seen to be flying the flag for high standards and best practice, you will stand out from the crowd. Take TrustMark – it’s probably one of the best ways to enhance your reputation as a trustworthy and reliable roofing contractor, and in turn secure more business. Equally, you can offer customers peace of mind with Which? Trusted Traders. As well as endorsing you as a reputable and reliable tradesman, positive online homeowner reviews can help bring future referrals.

Work competently – If you want a quick alternative to using Local Authority Building Control, you should consider joining CompetentRoofer. Membership enables you to self-certify Building Regulations on roof refurbishment, saving your customers time and money. Customers also have the added reassurance that the work carried out meets the exacting standards of the Building Regulations, and they know that you have been thoroughly audited. They also get to receive a free ten-year warranty. Equally, membership of the Confederation of Roofing Contractors offers customers a fully insured 10-20 year roof insurance-backed guarantee and deposit protection.

Of course, when business is booming and your schedule is hectic, the thought of joining an association might be the furthest thing from your mind. Equally, when business is slow and funds are tight, membership might seem like a luxury you can least afford. However, association membership actually takes up less time and is less pricey than you may think, and the benefits far outweigh any doubts or concerns. In addition to helping grow your business and raise standards, you can implement best practice and bridge the skills gap. With more enquiries and new business, reduced costs, improved margins, and a competitive edge too, it begs the question: what are you waiting for?

www.sigroofing.co.uk

The post Reputation is everything appeared first on Roofing Cladding & Insulation Magazine (RCI).

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boilerbreakdowncover-blog · 8 years

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Home Emergency Cover- So when is an emergency not an emergency (under the T&Cs of my home emergency policy?).

This happened to me. I was woken very early one Sunday morning to the sound of someone banging on the front door of my garden flat. I made my way out of my bedroom, into the hallway to the front door, opening it to find my neighbour from the flat above me asking if there was any water coming into my flat as they had water pouring into their kitchen from the flat above them. I dashed back down the hallway into my kitchen to find water pouring through the light fitting onto the tiled floor. Not the best start to a Sunday morning I’ve ever had. Things did get better though: my neighbour explained that, as she and her partner had been unable to find the stop cock to the property (they were renting) or get any answer from the people in the top flat, they had called the fire brigade and they were on their way!! Now I’m pretty sure that this wasn’t a legitimate use of the emergency services but bless them, they were in their early 20s and had acted in desperation. Anyway, there were soon several burly firemen on the scene. (I said things got better!!) They broke down the door of the top flat and found the source of the flood. The cold water pipe of the couple’s washing machine had sheared off so the water was just pouring out of the plumbing system. They then managed to turn off the water at the mains. The funniest thing, when we were recovered enough to be able to see the funny side, was that the couple had been in all the time; they were fast asleep in bed and remained oblivious to the fact that firemen were traipsing up and down the stairs, in and out of their flat. They slept through the whole thing and only became aware of what had happened when they woke up to find their washing machine in the middle of their kitchen floor, a note from the fire brigade and a jemmied front door!!

Fortunately, we all had building and contents insurance, so while we suffered some inconvenience, we weren’t left out of pocket. Now while your home insurances will pick up the bill for damage caused by a fire, flood or theft, they generally won’t sort out emergency situations and, in 99% of cases, neither will the fire brigade so probably best not to rely on them!

This is where home emergency cover comes in.

Home emergency cover is a popular extra level of insurance that provides peace of mind for people who recognise the inconvenience of having some kind of breakdown or damage-causing incident affecting their home and are prepared to pay to have these potential occurrences covered rather than risk them happening and then having to quickly find a reliable contractor to fix the problem, pay costly call out and repair charges and have no guarantee of when a repair will be carried out. On top of the inconvenience of the actual emergency, this can all add to the stress of the experience. No wonder then that so many of us choose to buy home emergency cover that means one phone call and someone else is quickly getting the problem sorted for you. In addition, you know that whoever turns up to carry out the repair has been approved by your insurer.

There are typically two ways to buy home emergency cover: as an add-on to a home insurance policy purchased through your home insurance provider or as a stand-alone product from an alternative provider who may offer better cover and/or a better price.

As one such stand-alone provider, Best Price Financial Services prides itself on the level of cover we provide for a very affordable annual cost. However, what we sometimes find is people are confused about what constitutes an emergency so think they are insuring more than they are. Often people seem to think that they are buying a maintenance policy meaning that anything that goes wrong will be repaired. This is not the case. The question to ask yourself when considering what would be covered is ‘is this a genuine emergency or is this a maintenance issue?’ Of course, maintenance policies are available but they cost a lot more than home emergency policies which, and the clue is in the name, are designed purely for emergencies. In addition to that, any repairs that are undertaken may sometimes only provide a temporary fix and further maintenance work will be required to affect a permanent solution although in other cases the problem may be completely sorted – it depends on the nature of the emergency. In the interests of transparency and to clarify the scope of our and, indeed, most typical home emergency policies, here is a list of potential incidents and the degree to which a Best Price FS home emergency policy would cover them.

Boiler and heating system breakdown In the case of sudden failure of your main domestic heating and hot water system, emergency assistance will be provided by a qualified engineer to carry out repairs to get your system back up and running. However you won’t be covered if you haven’t maintained your boiler in line with the manufacturer’s instructions. These typically specify an annual service so if you haven’t had your boiler service you won’t be covered. If you have had your boiler serviced annually but it is so old that, on inspection, it becomes apparent to the contractor that it makes no economic sense to repair the boiler, i.e. if it would be cheaper to install a new boiler than to repair it then this too would not be covered.

With regard to radiators within a property, if the whole system fails and there is no other form of heating in the home then this would be classed as an emergency. If one of more radiators is working, it wouldn’t. If any of the pipes connecting the component parts of your main heating system fail in some way then repairs to these would be covered. If any of your radiators developed a sudden leak that would be likely to cause damage to your property then this too would be covered but only the costs of carrying out the repair. This policy is not designed to act as a home contents insurance or buildings insurance policy in that it doesn’t cover the cost of internal damage repairs, for example, if you needed to replace your carpet or wooden floor or re-plaster a decorate a wall or ceiling as a result of a leading radiator or pipe.

Pipes and drains In the event that, within the boundary of your property, you have blocked or broken pipes or drains that are causing damage or flooding to your residence, or are likely to imminently, then you'll receive emergency assistance to return your home to a safe and liveable condition or to pre-empt any damage from occurring as a direct result of the active emergency situation. Once this has been achieved, you may find that further repairs are still required but these would not be classed as emergency repairs so these additional costs would need to be funded by you or, potentially, your buildings or home insurance company. If, however, you have a broken pipe, for example, that only leaks when you turn on a tap then this would not be an emergency as the way to prevent this from happening is, obviously, not to turn on the tap until you have managed to sort out a repair.

Toilet damage If the ONLY toilet in your home is damaged, either materially or mechanically, and to an extent which leaves it unusable, then this would qualify for emergency cover. If, however, there is another functioning toilet in the home then it wouldn’t. In the case that there was more than one toilet in the home and one was blocked causing flooding then emergency assistance would be provided to stop the flooding but once this was sorted the situation would no longer be classed as an emergency, as there is another functioning toilet in the home, so all further action to sort any remaining issues, in the event that there was still necessary repair work to be carried out, would be down to you.

Roof Repairs If your roof (all types covered) suffers any damage which has or is likely to cause internal damage to your home then an approved contractor will be on hand to provide emergency repairs. What this means is that the contractor will provide a temporary fix to prevent further damage or pre-empt any damage from occurring and then you will have to organise a permanent repair, either by paying for this yourself or through your buildings insurance policy.

Home Security If damage to your EXTERNAL windows, locks or doors compromises the security of your home, then this would be classed as an emergency and a tradesman will attend your home to provide temporary emergency repairs and make your home safe and secure. If your home’s security is not at risk, for example, if you have a damaged window or window lock but live in a high rise or the damage is to a Velux window in your roof so there is no imminent threat to your home’s security, then these situations would not be classed as emergencies.

Gas & Electricity Emergency assistance is available in the event of sudden failure of your domestic power supply. This covers both electricity and gas within the home but not the mains supply to the home which would be the responsibility of the company providing the mains infrastructure.

Emergency Accommodation If your home becomes uninhabitable after a domestic incident which falls under this policy, you'll receive up to £250 towards the cost of overnight accommodation in a suitable bed and breakfast or hotel.

Lost Keys You'll be covered in the event of the loss of your house keys if you only have one set or you are unable to get access to a spare set within a reasonable time frame. So, if you were locked out and your partner was away overnight and you had no access to a spare set of keys then this would be classed as an emergency. However, if your partner was due home later that day or you would be able to access a spare set of keys left with a neighbour or family member, even if this meant waiting for a few hours or driving somewhere within reason, then while certainly highly inconvenient, neither of these scenarios would be considered emergencies. If you arrived home after a night out to discover you’d lost your keys and couldn’t get into your house or if it was the middle of the day and you had managed to lock yourself out of your home with a toddler inside then both of these situations would qualify as emergencies.

Pest Infestations Sudden infestation of your home by pests rendering your home dangerous or uninhabitable - including wasps, rats and hornets - is covered by this policy. Note that this EXCLUDES bed bugs and protected species such as bees and bats.

What you get For an annual premium of £79, or £89 if pest cover is included, Best Price FS’ home emergency policy will pay for call out costs, parts, labour and VAT up to £1,000 for each incident. Additionally, there is no excess to be paid. There is also no limit to the number of wholly separate incidents that can be claimed for during the lifetime of the policy. What this means is that if you’d had an emergency repair but subsequently had failed to sort out a permanent repair and needed to all out someone to undertake a second emergency repair FOR EXACTLY THE SAME PROBLEM, then this second call out would be chargeable. We aim to get someone out to you within three hours of your reporting the issues and, when relevant, advice will be given over the phone to help you undertake remedial action in the short-term to minimise damage until the contractor arrives on site.

A final word The examples detailed above are not exhaustive but are given to help you recognise what kinds of situations are classed as emergencies and what are not. So before taking out any home emergency cover, read the policy details fully and think: is a policy providing just home emergency cover giving me what I want or am I really after some form of home maintenance policy? This way you won’t be disappointed and feel ripped-off if you make a claim only to find out you aren’t covered under your policy’s terms and conditions.

Best Price FS is a discounted insurance broker offering Motor Legal Protection, Vehicle Breakdown Cover and Home Emergency and Boiler Breakdown Cover. We also provide a wide range of Tax-Free Savings Plans and Structured Investments products. For more info visit: https://www.bestpricefs.co.uk/home-emergency-cover

#Home Emergency Cover #Boiler Breakdown Cover #Best Boiler Cover #Cheap Boiler Cover #Boiler Insurance

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