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Farm & Ranch Insurance Ck Specialty Insurance Associates, Inc. offers a robust Farm & Ranch Insurance program tailored for agents and brokers with clients in agricultural industries. As a Western-based, family-owned MGA and surplus lines wholesaler, Ck Specialty provides access to a wide range of A-rated carriers, with in-house binding authority and brokerage markets to handle even the most complex rural risks. Whether your client operates a small hobby farm or a large-scale commercial ranch, this program is designed to protect both property and liability exposures unique to agricultural operations. Ck Specialty serves retail agents across AZ, CA, CO, ID, MT, NV, OR, UT, and WA, offering competitive solutions for a broad range of rural risks. Coverage's Include (but are not limited to): Farm Liability (basic farm premises and personal liability) Farm Property (including dwellings, appurtenant structures, personal property, barns, and outbuildings) Equipment Breakdown Activities or Pursuits Covered Include (but not limited to): Animals & Livestock Aquaculture & Fish Farms ATVs & Snowmobiles Beekeeping Owner-Occupied Dwellings Hazardous Materials on the Insured's Premises Pick-Your-Own Farms Ranches Seasonal or Vacant Occupancies Tree Farms Vineyards & Wineries Highlights: - Minimum premiums (MPs) as low as $500 - 24-hour quote turnaround in most cases - Access to numerous A-rated surplus lines carriers - In-house binding authority for faster processing Ideal Accounts and Appetite This program is an excellent fit for a wide range of agricultural operations. You can place accounts such as: A family-owned vineyard with a tasting room and seasonal foot traffic A multi-acre ranch with livestock and owner-occupied dwellings A beekeeping business that sells directly to consumers Pick-your-own farms offering agritourism activities Risks with hazardous materials, vacant or seasonal homes, and non-traditional farm activities are also considered. Underwriting Notes and Minimum Premiums Ck Specialty’s Farm & Ranch Insurance program is written on a non-admitted basis, allowing flexibility in underwriting unique or hard-to-place risks. Minimum premiums vary by risk profile, with some options starting as low as $500. Submissions receive a fast turnaround—typically within 24 hours. Territories and Availability This program is available to retail insurance brokers in the following states: AZ, CA, CO, ID, MT, NV, OR, UT, and WA. Why Work With Ck Specialty As a Western-based MGA and wholesaler, Ck Specialty understands the unique exposures and needs of rural and agricultural clients. With deep market access, responsive service, and underwriting expertise in farm-related risks, they are well-positioned to help you place even your most challenging accounts. Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this Farm & Ranch Insurance program?Ideal accounts include vineyards, ranches, tree farms, aquaculture operations, beekeeping businesses, and pick-your-own farms. Both traditional and niche agricultural risks are considered. Is this program available on an admitted or non-admitted basis?This program is offered on a non-admitted basis through numerous A-rated surplus lines carriers, allowing flexibility for unique or hard-to-place risks. What is the typical turnaround time for quotes?Ck Specialty typically provides quotes within 24 hours of receiving a complete submission. Are seasonal or vacant dwellings eligible for coverage?Yes, the program includes coverage options for seasonal or vacant occupancies located on farm or ranch premises. Which states is this program available in?This Farm & Ranch Insurance program is available to retail brokers in AZ, CA, CO, ID, MT, NV, OR, UT, and WA. Need help placing an account? Connect with a market specialist.

An umbrella policy is a liability policy that provides an 'umbrella' of protection beyond what your regular policies provide. An umbrella policy extends beyond your auto and homeowners liability insurance to recreational vehicles like boats, jet skis, seadoos, atvs, snowmobiles and motorcycles. Here are some cases where an Umbrella policy could help protect you and your family: Your teen was reckless with the car and injured several people in an automobile accident. Although your Auto policy will pay $250,000, total losses come to more than $400,000. Umbrella helps cover the additional $150k that is needed. Your dog injures your neighbor/visitor. The medical expenses are too much for your Homeowners insurance to cover, so umbrella provides the safety net in terms of insurance coverage. A visitor slips and falls on your driveway, sues you for $1 million – and wins. Your Homeowners policy falls short of the required coverage, so the umbrella coverage helps cover the shortfall. In many situations like this, Umbrella insurance helps you with the additional coverage needed, and the premium is relatively low. We have 10 locations in Central New York and provide Umbrella Insurance advice and quotes in all 10 locations , pick the one most convenient for you - Morris, NY | Oneida, NY | Sangerfield, NY | New Hartford, NY | West Winfield, NY | New Berlin, NY | Sidney, NY | Cherry Valley, NY | Norwich, NY | Stittville, NY

Life Insurance,Tucson, Az Here is 4 steps to buying life insurance wisely. Step One: Determine If You Need It. The purpose of life insurance is to protect the economic well being of your dependents if you die. If you don’t have anyone who depends on you for financial support, you don’t need it. If you have lots of assets that could be tapped to protect the income and lifestyles of your dependents, you also may not need it. But if you have few assets, lots of debt and dependents, you may need a lot. Life Insurance is designed to fill the gap between what your dependents would have and what they’d need if you were to die unexpectedly. Step Two: Pick a Type There are two types of Life Insurance–term and whole life. Term is the easiest to understand. It covers you for a set period, usually a year. If you die during that time, your heirs are paid the face value of the policy. Because there is only a slight chance that you will die in any given year, particularly when you are young and healthy, term insurance is cheap when you’re young but gets progressively more expensive as you age. By the time you’re in your 80s, it can be prohibitively costly. On the bright side, most people don’t need insurance when they’re in their 80s because they’ve built up enough other savings to protect their heirs–or their heirs have become older, more independent and no longer need economic support. Whole life insurance is written with the assumption that you’re going to keep the policy for the rest of your life. Insurers deal with the higher chance that you’ll die while insured by charging more for coverage in the early years. That additional money builds up a savings account to help pay the death benefits when you die. Because whole life is so costly in the early years–often four or five times as much as term insurance–its hard to buy enough to adequately insure a young family. In addition, it’s a relatively rare family that needs insurance for their entire life. Whole life is generally good for people who have an unusual situation–a family business; a disabled child; or some other unique situation that demands economic support for heirs forever. Everyone else should buy term. Step Three: Figure the Right Amount Pull out a pencil and pad and start jotting down your assets and debts. Then go through your annual budget and determine how much of your annual expenses are handled by each spouse’s income. If one spouse takes care of the kids, consider how much it would cost each year to replace that spouse’s work with paid help. Now think about how either of you would fare economically if the other spouse were to die. Would there be a gap between the survivor’s income and obligations? Would the survivor be saddled with a ton of debts? If you have a gap between the annual income the survivor would have and what would be needed, determine approximately how many years that gap would persist. Multiply the gap by the years to come up with a rough estimate of how much insurance you’ll need; then add in any big debts–maybe your mortgage or the estimated amount that you think the kids would need for college. Finally, round up to the nearest quarter-million. In other words, if you think you need $350,000 in coverage, round up to $500,000. If you’re buying term coverage, it’s cheap and better to have too much than too little. Step Four: Shop If you’ve got a Life Insurance agent that you like, call him or her and get a quote. If you are dealing with an independent agent, they’re likely to get you quotes from several companies.

Are you looking for an effective way to vastly improve the sales success for your CSRs & Producers in your Agency? This P/L Bundle Sales Self-Training using The Links in the Sales Chain™ is an impressive Package that will help you achieve just that. With this bundle, you will have access to both the P/L CSR Sales Training & the P/L Producer Sales Training. These 2 interactive courses will take your Commercial Lines salespeople through 13 separate essential Links during the training process. This is a proven method, working for P/L staff & producers in agencies already. What sets this method apart from others can be summed up with 3 things: 1. It’s interactive – a salesperson can go at his or her pace, back up, review many times, etc. 2. It doesn’t just teach Sales Skills – tools, scripts, suggestions are also included (upwards of 50 documents) 3. Success Rates are typically Doubled – Salespeople at all levels find this relationship-based sales approach simple, complete, and practical allowing better focus…and much better results. The annual subscription allows for an unlimited number of times the course can be taken, so there is tremendous value with your investment in this product. For the P/L Producer, the training starts with a module outlining the Producer Role and ends with Alternate Means of Prospecting. The components in between feature modules for: How to use relationships to obtain new prospects Knowing all the benefits your carriers offer & how to use them Bringing more passion to the process Understanding the best ways for obtaining referrals How to pick your targets & qualify your prospects more effectively How to establish credibility How to use something other than “price” to make the sale How to use your time more effectively and lots more. For the P/L CSR, the training, starts with a module for creating sales time and ends with how to be an advisor after the sale. The components in between feature modules for: How to use relationships to obtain new prospects How to obtain referrals Making the right 1st contact with a prospect Qualifying properly How to establish credibility How to prevent price from being the “only” thing, and lots more. Included in each of the 2 courses are over 50 documents & spreadsheets that will help sustain the new (or improve the experienced) salesperson with the tools, scripts and samples they will need to be successful. A few key documents, included in this Sales Training Course that we would highlight are: Worksheets for Identifying who the Salesperson already knows Qualifying Questions to Evaluate a Prospect What an “A” Proposal should look like – what are the components? Sample Carrier Benefits Comparison Spreadsheets – for Auto, Home & High-Value Homes Sample Tool Defining who the Client should contact in the Agency to Obtain the Best Service Several Value Charts for Proposal Displays Several Suggested Scripts to insure Success when making Referral Requests Scripts & Methods for Orchestrating the Process for Quick Turnaround Script for Doing the Small Talking that leads to a Referral 12 Essential Time Management Keys & Tips that have helped Other CSRs Save up to 2 Hours/Day The Top 8 Ways to Obtain an "A-Type” Prospect Cheat Sheet for Obtaining 3rd Party Buy-In & Introductions Suggested Sample Weekly Producer, or CSR, Schedule & Template for Establishing a new one. Sample Success Stories to Guide you in Developing some of your Own for Proposals Recording Tools & Methods to Use so you have Consistent Prospect Generation A “Weighing” Close Method to Help Finalize the Sale Sample Auto & Home Update Questionnaires(“Family Insurance Updates”) to Consider using as Value-Addeds A Sample Convert Sheet – Used to Persuade Direct Writer Insureds to Change Various Value-Added Displays so both the Prospect & the Salesperson know what is “extra.” $395.00 Add to Cart

Commercial Umbrella Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a robust Commercial Umbrella Liability Insurance program designed to help agents and brokers protect their commercial clients against catastrophic liability losses. This program provides excess limits over the insured’s primary liability policies, including general liability, auto liability, and employer’s liability. It also helps close gaps and exclusions that may exist in the underlying coverage. Ideal Accounts and Appetite This program is well-suited for a wide range of commercial clients who require higher liability limits or who operate with elevated risk exposures. Ideal accounts include, but are not limited to: Contractors and construction firms with multiple job sites Retail businesses with significant foot traffic Distributors and manufacturers with product liability concerns Transportation and logistics companies needing excess auto liability Hospitality businesses such as restaurants or event venues with liquor liability exposures If you have a client with a growing operation or a high public exposure, this umbrella product can provide the additional peace of mind they need to operate confidently. Coverage Highlights and Advantages The commercial umbrella policy from First Choice can provide: Worldwide coverage Personal injury protection Blanket contractual liability for both written and oral contracts Care, custody, and control coverage Non-owned aircraft and watercraft liability Advertisers and liquor liability XCU (explosion, collapse, underground) liability Extensions of coverage to additional insureds This policy is designed to pick up where primary policies leave off, offering critical protection in high-severity loss scenarios. The umbrella can also respond when certain exclusions in primary policies might otherwise leave the insured exposed. Underwriting Notes and Deductibles The program requires underlying primary third-party liability coverage to be in place. Deductibles apply based on the underlying policy terms and limits. Premium financing is available, making this program an accessible option for a wide range of clients. While there is no fixed minimum premium listed, the program is structured to be competitive and flexible depending on the risk profile. Contact First Choice for underwriting requirements on specific accounts. Territories and Market Access First Choice Insurance Intermediaries, Inc. offers access to this program in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Coverage is available in both admitted and non-admitted markets depending on the risk and jurisdiction, allowing flexibility to meet diverse client needs. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings deep market access and underwriting expertise to help you place challenging or high-limit liability accounts. Their umbrella liability product is designed for flexibility, with broad coverage and support for a wide range of industries. Whether your client operates nationally or regionally, First Choice can help you secure the protection they need to safeguard their business against large-scale liability exposures. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for contractors, manufacturers, distributors, transportation firms, retailers, and hospitality businesses with significant liability exposures or the need for higher coverage limits. What underlying coverages are required?Insureds must carry primary liability policies such as general liability, auto liability, and employer’s liability. These serve as the foundation for the umbrella policy to provide excess coverage. Is premium financing available?Yes, premium financing is available to help make coverage more accessible for your clients. Is this coverage available in admitted markets?Some markets within this program are admitted, while others are non-admitted. Availability depends on the state and the nature of the risk. In which states is this program available?This Commercial Umbrella program is offered in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.

Novatae Risk Group, in partnership with Empire Underwriters, offers a specialized Non-Standard Workers’ Compensation program tailored to heavy construction contractors. Designed to place difficult-to-insure risks outside the standard market—because of high experience mods, adverse loss history, or challenging class codes—this program pairs over 30 years of market experience with dedicated brokerage support to deliver practical, customizable coverage solutions for your clients. Ideal Accounts and Appetite Contractors operating heavy equipment or performing heavy construction with class codes showing manual rates typically from $8 to $50+. Accounts with experience mods (X-Mods) generally between 1.30 and 3.0. Prospects facing non-renewals, cancellations, or insurer declinations due to claims activity or class exposure. Insureds exiting state-assigned risk pools or other “insurer of last resort” programs. Accounts with lapsed coverage, limited prior coverage, or adverse loss experience. New ventures with no prior coverage that operate in tough classes or across multiple states. Complex submissions that the standard market cannot serve because of combined underwriting challenges. This program is not intended for accounts that have standard-market offers, low loss picks, or are simply rate-shopping. Coverage Highlights and Advantages Pay-As-You-Go non-standard workers’ compensation with no premium deposit required. No premium audits—simplifies administration and improves cash flow. Meaningful cash-flow advantages for insureds and reduced administrative burden for brokers. Comprehensive loss control and risk management services to help reduce frequency and severity. Fair, responsive claims handling backed by experienced adjusters. HR support services that include unemployment claims, wage garnishments, COBRA administration, and more. Full payroll services with tax compliance (941s, W-2s, etc.) and the option for clients to cut payroll checks in-house. Flexible servicing options: ASO (Administrative Services Only) or PEO/employee leasing where appropriate. High-retention product structure—coverage remains in force until canceled. Underwriting Requirements Completed ACORD 130 form. Supplemental application specific to the class of work. Three years of loss runs. Loss history affidavit for accounts with coverage lapses or no prior coverage. Detailed explanation for individual claims exceeding $20,000. Experience Mod worksheet (Experience Mod Sheet). Territories and Availability This program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Carrier availability, admitted vs. surplus lines placement, and specific terms may vary by state and submission. Why Work With Novatae Risk Group Novatae Risk Group, together with Empire Underwriters, combines deep expertise in high-risk and non-standard workers’ compensation with broad carrier access. As a managing general underwriter and excess & surplus lines broker, we can place business in admitted and E&S markets as appropriate and offer tailored solutions for accounts that standard markets decline. Our underwriting team works collaboratively with agents to evaluate complex loss histories, structure competitive terms, and expedite placement. Representative submission scenarios you might bring to this program: A regional heavy-equipment contractor with a 1.8 experience mod and multiple prior claims seeking continuous coverage after a state-assigned pool offer expires. A multi-state startup in heavy civil construction with no prior workers’ comp coverage but high manual rates and planned interstate projects. Need a Non-Standard Workers’ Comp quote for a heavy construction client? Send your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for heavy construction contractors with elevated experience mods, prior significant losses, or those leaving state-assigned risk pools. New ventures in tough class codes or multi-state operations can also qualify under the right circumstances. Is prior coverage required to qualify?No. Prior coverage is not required. Accounts with no prior coverage may be eligible if they meet other underwriting criteria such as high-risk class codes, acceptable financials, and clear explanations for any gaps. What documentation is required for submission?Typical requirements include a completed ACORD 130, the supplemental application for the class, three years of loss runs, an Experience Mod Sheet, and explanations for claims over $20,000. Additional documentation may be requested for lapses or complex claims histories. Can this program be used for multi-state operations?Yes. Multi-state operations are eligible provided the locations fall within the program’s approved territories and meet state-specific underwriting guidelines. Interstate exposure is considered during evaluation. What makes this program different from standard market workers' comp?This program is built for risks the standard market often declines. It offers pay-as-you-go billing with no deposit, no premium audits, flexible ASO or PEO options, robust HR and payroll support, and targeted loss control services designed for heavy construction exposures. Need help placing an account? Connect with a market specialist.

Overview — Gates-Cole Insurance Business Insurance Gates-Cole Insurance provides Business Insurance solutions you can place for small and mid-sized commercial clients throughout Central New York. We make it straightforward for agents and brokers to secure the right package of property, liability, workers' compensation, auto and specialty coverages — and we can help customize policies to match each client’s exposures. Whether your prospect is brand new to the market or has recent loss runs, Gates-Cole underwriters will review and tailor options that address real business risks. Typical Coverages Property Insurance — Pays for repair or replacement of physical assets after fire, wind, hail, vandalism and similar perils. Liability Insurance — Protects against third-party claims for bodily injury or property damage arising from operations, products or services. Workers' Compensation Insurance — Covers medical care and wage replacement for injured employees and helps reduce the risk of employment-related litigation. Business Auto Insurance — Covers liability and physical damage exposures for owned or hired vehicles used in the business. Business Crime Insurance — Protects against fraud, theft, forgery and robbery affecting the business. We also write a range of supplemental and specialty options to fill gaps in traditional packages: Employment Practices Liability (EPLI) — Defense and liability for discrimination, harassment or wrongful-employment claims. Life Insurance for Business Owners — Solutions for succession planning, key-person protection and retention/reward strategies. Umbrella/Excess — Additional liability limits to protect against severe judgments. Bailee Insurance — Coverage for damage to customers’ property in your care, custody or control. Transportation & Cargo — Protection for goods while in transit by owned vehicles or contracted carriers. Spoilage Insurance — Coverage for perishable goods lost to mechanical breakdown or power outage. Delivery / Catering Non-Owned Auto — Liability coverage when employees use personal vehicles for deliveries or catering services. Ideal Accounts and Appetite Gates-Cole is well suited for small and medium-sized businesses across retail, restaurants and food services, light manufacturing, wholesalers, contractors and a broad range of professional and service businesses. We routinely consider accounts with prior losses or recent claims — bring loss runs and we will evaluate. Accounts that typically fit: Single-location and multi-location small businesses Service contractors, landscapers, and small construction-related operations (light exposure) Retailers, offices, and light manufacturing/assembly Businesses requiring combined property, liability and auto programs Accounts with large, atypical cat exposures, significant professional liability without controls, or specialty hazards may require referral to specialty carriers; underwriting will identify those limits during submission review. Underwriting Notes Standard submission requirements: ACORD application, current loss runs (usually 3–5 years), payroll or revenue breakdown, and vehicle lists when auto coverage is requested. We can consider accounts with recent claims; early submission of loss history speeds decisioning. If additional information is needed (e.g., financials, safety programs, detailed contracts), underwriters will request it to place and price the account accurately. Territories and Availability Gates-Cole writes Business Insurance across New York. We also maintain a local presence to support agents and clients with in-person meetings. We have 10 locations in Central New York and provide Business Insurance advice and quotes in all 10 locations, pick the one most convenient for you - Morris, NY | Oneida, NY | Sangerfield, NY | New Hartford, NY | West Winfield, NY | New Berlin, NY | Sidney, NY | Cherry Valley, NY | Norwich, NY | Stittville, NY Why Work With Gates-Cole Local underwriting knowledge and in-person service through 10 Central NY locations. Broad suite of commercial coverages and the ability to assemble customized programs for common small to mid-market risks. Responsive review of accounts with loss history — bring the loss runs and our team will evaluate placement options. Practical, agent-focused support to help you present proposals and coverage comparisons to clients. If your client is already covered, it’s still worth a review — policies and exposures change over time and a short walk-through with one of our Business Insurance experts can confirm gaps or savings opportunities. Frequently Asked Questions What types of accounts are a good fit for Gates-Cole Business Insurance?Small to medium-sized businesses in retail, restaurants, light manufacturing, service contractors, wholesalers and professional service firms are good fits. We commonly place package programs that combine property, liability, auto and workers’ comp. Can you quote accounts that have recent loss history or claims?Yes. Gates-Cole routinely evaluates accounts with recent claims — provide current loss runs with your submission so underwriting can assess trends and offer the most appropriate options. What information should I include with a submission to speed placement?Include a completed ACORD application (or equivalent), loss runs (last 3–5 years), payroll/revenue breakdown, and vehicle schedules for auto. If available, include safety programs, risk-control documentation, and lease or customer contracts for higher-exposure classes. Is coverage available statewide?Gates-Cole provides Business Insurance across New York and supports agents with local offices in Central New York for face-to-face consultations and policy service. Need help placing an account? Connect with a market specialist.

The National Association of Insurance and Financial Advisors (NAIFA) is the largest professional association dedicated to the protection and advancement of insurance and financial advisors nationwide. The NAIFA Endorsed E&O Program with CalSurance Associates and Aspen Insurance Company delivers high quality Errors & Omissions Insurance Coverage along with the added benefits that come with NAIFA membership. In addition to comprehensive E&O Coverage, the NAIFA Endorsed E&O Program provides members with newsletters, monthly risk management tips & training, and value added coverage extensions. All benefits are offered in one program with competitive pricing, coverage, and service. NAIFA Endorsed E&O Program Coverage Highlights: • Competitive Pricing • Top Rated Carrier • Multiple Limit and Deductible Options • Prior Acts Coverage • Professional Services (Basic Coverage includes Life, Accident & Health, Disability, Long Term Care and fixed & variable annuities) • Optional Coverages for Mutual Funds, Financial Products, P&C • Extended Reporting Period/Tail Coverage • Risk Management Tips • Newsletter Education • Quick online application option • Proof of Insurance Reprint Link • Knowledgeable Customer Care team • Complimentary Coverage Additions Added Value Coverage Extensions: • Reimbursement of Expenses Coverage • Disciplinary Proceedings Coverage • Spousal Coverage • Pre-Claims Assistance Coverage • Subpoena Compliance Coverage • Mediation/Deductible Credit Coverage • Public Relations Extension • Privacy Breach Coverage NAIFA Membership Benefits: • NAIFA’s Advisor Today bi-monthly magazine, website and podcasts – features ideas and insights from industry experts on a wide range of topics including product knowledge, sales, marketing, prospecting, and practice management. • NAIFA SmartBrief – a daily e-mail newsletter providing insurance and financial advising professionals a quick, two-minute read that will help keep you up-to-date with the latest news and trends in the industry. News stories are meticulously picked for content and delivered straight to your inbox. • NAIFA Virtual Library – a repository of online sales tools and resources including fact finders, concept pages, specimen documents and client presentations. • NAIFA ClientCast® by RealWealth® – free monthly professionally produced podcasts that agents can use to educate, motivate and inspire clients and prospects. Also includes free monthly training webinars for agents and advisors on sales ideas and best practices to help you grow your business. • NAIFA Webinar Series – monthly events feature timely information and training on topics of interest including government relations, practice management, sales, prospecting, and marketing. • NAIFA Online Seminar Series – 24/7 access to online training on such topics as succession planning, hiring an assistant, and thriving in the first three years in the business. Also includes downloadable materials to supplement the web content. • NAIFA Insurance and Financial Services Professional Resource Guide – connecting NAIFA member’s to the products and services they use daily. • The Value Pitch Process ™ – A four-step process for re-designing your elevator pitch. Start enjoying the protection of E&O insurance and the advantages of NAIFA membership today! Apply for NAIFA membership and NAIFA Endorsed E&O at: http://naifa.org/join/ Already a NAIFA member? Apply for NAIFA Endorsed E&O at: http://www.naifaeo.com/onlineprequal.aspx

Auto Insurance, Tucson, AZ Insuring your car in Arizona can be expensive, but it is possible to find cheap Arizona auto insurance if you know where and how to find it. You will need to do a search of Arizona Auto Insurance comparisons, and pick the one that best fits with your requirements and budget. Before you buy car insurance you need to consider a number of elements. For example, the type of car you drive will influence the cost of your insurance premium. If you own and drive a luxury car as compared to a more modest vehicle, your premium will cost more. Also the distance you drive your car may also impact on the cost of your car insurance quote. Before buying, ensure you carefully read your insurance policy. Extra charges you may later incur can significantly push up your insurance cost. If you want to add a second driver to your policy, a child or partner, some insurance companies charge a lot more than others for this add-on. So what looks like a cheaper insurance quote may cost you more in the long run. Make sure you discuss and clarify all these possibilities with the insurer before buying. Auto Insurance comparison sites online are a good way to find the insurance company and package that will suit you. Get several quotes from companies after doing your research, make sure that you go through them properly to ensure all your needs are being met. It’s worth looking at a companies track record when it comes to customer services. Some will be better than others and while the cheapest deal may save you a few dollars, you might wish you’d gone for a more expensive premium if it meant better customer service. A lot of new insurance companies have appeared in the market in the past few years. If it is really important for you to get cover with a reliable company, ask friends and family what companies they use and what experience they had with them. With a little bit of research you can find cheap Arizona Auto Insurancethat best meets your insurance requirements. Try to balance the best deal with service and the type of cover you need. While cheap Auto Insurance may save you a few dollars, make sure it has the kind of cover you need. If not consider going for a slightly more expensive package. What about additional drivers and additional vehicles? Some policies (especially comprehensive auto insurance policies) have protection for family members (household members) that drive your vehicles. But, this is not common. Adding additional vehicles is quite simple and will definitely affect your overall premium. Adding additional drivers, while also a simple task, could dramatically affect your policy based on the history of the additional driver. Contact us today and we will help you get this going. Is it easy to switch auto insurance carriers or insurance agents? In short, yes. But, there is a procedure to follow for best results. If your previous carrier is reputable you will get a pro-rated refund fairly quickly. An insurance agent can help you with this process. You want to make sure you have coverage in place with the new carrier before you cancel your policy with the old carrier. This is important as you do not want to be uninsured for even a few hours. When switching agents but keeping the same carrier, a Broker-of-record (BOR) letter may need to be completed by your new agent (signed by you) When switching carriers but keeping the same agent – this could be quite simple if the agent has a partnership with the new carrier. If not, your agent can advise you of the procedure, which may involve switching to another agent (which may require some additional paperwork) Common Auto Insurance coverages Some form of liability is mandatory in almost all states. Many people get the minimum coverage to save costs. But, there are a slew of other coverages that are very important. Collision – covers your own car and property. Property damage – this covers damages to the other motorists cars (involved in the accident) and property. Comprehensive – this covers damages and replacement due to being stolen, fire or water damages. But, in some states this comprehensive coverage also includes ‘Uninsured Motorist’ and a few other coverages. What’s included or bundled into a comprehensive policy can also differ by insurance carrier. Uninsured Motorist – mandatory in many states, this coverages kicks in when the other driver does not have adequate coverage or your vehicle is involved in a hit and run accident (the hit-and-run driver is not identifiable) Car Rental Insurance – this kicks in when you need a rental car while your vehicle is being repaired. Medical Bills – covers deductibles and medical payments not otherwise covered by your health insurance or the other drivers (at fault drivers) insurance. Mandatory in some states. Our agents can help you find great auto insurance rates; we know the specific laws and nuances of auto insurance in and around the Tucson, AZ area.