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My client has started a Chauffeur business and uses their own vehicle. He already has a clientele list and he picks them up from their homes and takes them to airports, it’s a black car service and he needs auto and commercial liability. Many places I have talked to don’t want to insure because it is a startup.

Connecting and communicating on a social network may seem like just another aspect of the communications that we are used to in everyday life – but there are some significant differences that everyone should focus on. 1. Pick a social networking community that shares the same interests with you. This may sound like too much common sense to be written down, but it is an important starting point to facilitate meeting your goals and expectations of social networking. Some networks focus on business, and others focus on personal relationships. 2. Embrace creativity. Read, learn from peers, and follow those people that you consider to be successful. By following in other’s footsteps you can guarantee success. Don’t be afraid to reach out and connect with others – this is what social networking is all about! 3. Build trust based upon contacts. Many social networking platforms like Facebook, LinkedIn, and CompleteMarkets use who you know to show other users who trusts you with a relationship. If other users share some of your contacts then they will be more likely to trust you. Reach out to people and businesses that you know with a friendship request and others will be more likely to do the same for you. Remember that we now live in a truly Global Village. Distance is no longer a barrier to communication!

...aiting for renewal time and start picking up the phone, sending emails, doing ...

A new look is in the works for the “Nutrition Facts” labels that are found on nearly every food package in grocery stores. Some changes that will be made are Calories will be in a larger bolder font. Serving sizes will be updated to be more realistic; will be easier to see if there are added sugars. When the labels were created two decades ago the main focus was Fat. People now focus on how many Calories they are eating. The serving size have long been misleading, with many single serving packages listing multiple servings, this was to make the calorie count lower. "Our guiding principle here is very simple, that you as a parent and a consumer should be able to walk into your local grocery store, pick up an item off the shelf and be able to tell whether it's good for your family," said first lady Michelle Obama, who joined the Food and Drug Administration. What do you think of this change? Is it too much for something that already works? Or do you think this is a well over due change that needs to be made?

Insurance producers who specialize in an industry or insurance product line tend to make more money than those who don’t. The same goes for agencies that encourage their producers to specialize bring in more revenue than those agencies that are content with generalization. Identify Areas of Focus An agency may already have areas of focus of which it is unaware. All they need to do is survey their book of business, Sitkins said. If there is an industry in which the agency has several accounts that is a good place to start because there is obviously a level of expertise within the organization to service those types of accounts, he said. Become an Expert “Prospects know very quickly if you know their business,” Sitkins said, so learning about the particulars of a line of business is imperative. Manage Change Staying dedicated to the business at hand is difficult for some agents, especially when an opportunity outside their expertise develops. Use Technology From researching a particular industry to using tablet computers in presentations to clients, the advantages of technology in the sales process are undeniable, Levins said. The “challenge is to pick the right data to tell the story.” For more information please visit: http://www.insurancejournal.com/news/midwest/2013/08/16/301983.htm