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The Links in the Sales Chain™ for the P/L Producer Self-Training Sales Package will take a Producer through 13 separate essential Links. The training starts with a module outlining what the Producer Role consists of 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 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 Included in the course are roughly 60 documents & spreadsheets that will help sustain a new producer (or help an experienced one improve) 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 Producer 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 The Top 8 Ways to Obtain an "A-Type” Prospect Cheat Sheet for Obtaining 3rd Party Buy-In & Introductions Suggested Sample Weekly Producer Schedule & Template for Producer Use 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 Producer know what is “extra” $295.00 Add to Cart

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.

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

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.

HCC Specialty Underwriters, Inc. is a recognized leader in providing High-Limit Disability Insurance tailored for high-income individuals and critical personnel. This program is designed to help protect your clients—whether they're elite athletes, entertainers, board-level executives, or key contributors to a business—from the financial impact of a serious injury or disability. For agents and brokers, this is a valuable tool to offer coverage solutions that go well beyond traditional group disability plans. Ideal Accounts and Appetite This program is ideal for high-net-worth individuals and businesses with top-tier talent whose absence would create a significant financial burden. Target classes include: Professional athletes and entertainers CEOs, CFOs, and other C-suite executives Key employees or partners in closely held companies Participants in Buy/Sell, Key Person, or Executive Benefit plans If you have a client acquiring a business and need to insure key personnel, or a high-profile performer needing tailored disability protection, this program can help fill the coverage gap. Coverage Highlights and Advantages HCC Specialty offers some of the most comprehensive and flexible High-Limit Disability Insurance options in the market. Key features include: Accidental Death & Dismemberment (AD&D) Temporary and Permanent Total Disability options In-house capacity up to $30 million, with additional limits available upon request Customizable forms to align with client-specific needs (e.g., Buy/Sell agreements, Key Person policies) This program is structured to supplement existing coverage or serve as standalone protection where traditional disability carriers fall short. Underwriting Notes and Minimum Premiums HCC Specialty uses a flexible and responsive approach to underwriting. Coverage is available for individuals or groups, and the minimum premium varies based on risk class, coverage amount, and benefit period. Their underwriters understand complex income structures and non-traditional occupations, making them an excellent partner for hard-to-place disability risks. Territories and Availability This High-Limit Disability program is available in most U.S. states, including DC. HCC Specialty operates on a non-admitted basis in many jurisdictions, offering broad access and rapid quoting capabilities. States include but are not limited to: CA, FL, NY, TX, IL, and WA. Contact HCC Specialty for specific state availability and requirements. Why Work With HCC Specialty As a Managing General Agency with deep expertise in specialty disability risks, HCC Specialty gives brokers access to top-tier markets and customized underwriting. They are known for their speed, flexibility, and ability to tailor policies for unique professions and business scenarios. Whether you're helping a sports agent insure a top draft pick or structuring a key person policy for a high-growth startup, HCC Specialty is a trusted partner in the high-limit disability space. Frequently Asked Questions What types of accounts are a good fit for this High-Limit Disability program?Ideal accounts include executives, entertainers, athletes, and key business personnel whose absence would result in a financial loss to the organization or individual. Can this program be used for Buy/Sell or Key Person insurance?Yes, the program is often used to support Buy/Sell agreements and to insure key individuals in a business-critical role. What is the maximum available coverage limit?HCC Specialty offers in-house coverage limits up to $30 million, with higher limits available upon request. Is this program available in all states?It is available in most U.S. states, including DC. Availability may vary slightly by state, so it’s best to check with HCC Specialty for specifics. What information is needed to get a quote?Basic applicant details, occupation, income, benefit needs, and any existing disability coverage will help expedite the quoting process. 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

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

Are you looking for an effective way to vastly improve the sales success of the P&C Producers in your Agency? This P/L & C/L Producer 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 of the P/L CSR Sales Training & the C/L Training, these 2 interactive courses will take your Producers through either 13 separate essential Links (or 14 Links if C/L) during the training process. This is a proven method, working for Producers in agencies already. What sets this method apart from others can be summed up with 3 things: It’s interactive – a Producer can go at his or her pace, back up, review many times, etc. It doesn’t just teach Sales Skills – tools, scripts, suggestions are also included (upwards of 50 documents) Success Rates are typically Doubled – Producers following this relationship-based sales approach find it simple, complete, and practical allowing better focus…and much better results. With the annual subscription, there is no limit to the number of times the course can be taken, or the number of Producers who can take it, so there is tremendous value with your investment in this product. The training starts with a module outlining the Producer Role 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 Target Market to increase your chances & get the Underwriter on your side How to pick your targets & qualify your prospects more effectively Bringing more passion to the process Understanding the best ways for obtaining referrals How to use better ways to get an introduction How to hold a more effective Qualifying First Visit with a new prospect Using Disturbing Questions to establish credibility & separate yourself from the competition Using something other than “price” to make the sale How to use your time more effectively and lots more. Included in the course are roughly 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: Qualifying Questions to Evaluate a Prospect What an “A” Proposal should look like – what are the components? Identification of what the Producer Role should be – how much time for service/how much for prospecting Sample Tool Defining who the Client should contact in the Agency to Obtain the Best Service – for better Producer delegation Sample Carrier Benefits Comparison Spreadsheets – for Auto, Home & High-Value Homes (P/L Only) Sample Page outlining Target Classes & Criteria for each C/L class Several Value Charts for Proposal Displays – different ones for P/L & C/L Several Suggested Scripts to insure Success when making Referral Requests Top 8 Ways to Obtain an “A” Referral Sample Benefits of Doing Business with the Agency for multiple uses Suggested Sample Weekly Producer Schedule & Template for Producer Use Sample Success Stories to Guide you in Developing some of your Own for Proposals & other uses Sample Case Study Client Pulse Check Meeting Outline – for C/L Sample Disturbing Questions to use to Create Prospect Needs Other Needs Creation Tools Recording Tools & Methods to Use so you have Consistent Prospect Generation A “Weighing” Close Method to Help Finalize the Sale Various Value-Added Displays so both the Prospect & the Producer know what is “extra.” $395.00 Add to Cart

Program Overview — Hospitality Insurance from Hospitality Insurance Solutions Hospitality Insurance Solutions offers a focused Hospitality Insurance program designed for hotel, motel and similar lodging operations. As a managing general agency, we place accounts with carriers such as Discover Property and Casualty Insurance Company, providing agents with a one-stop source for property, liability, umbrella, boiler & machinery, and crime coverages tailored to the lodging industry. Why this program? Package or monoline flexibility — bind property, GL, umbrella, B&M and crime together or select only the coverages you need. Market access through financially strong carriers (ratings noted by AM Best and Standard & Poor’s in carrier materials). Underwriting geared to hotel/motel exposures so you can place accounts quickly with hospitality-focused appetite and forms. Coverage highlights No coinsurance on property or business income. Personal property of others included within limits (helps with guest belongings exposures). Building glass included and lost key coverage provided. Earthquake coverage included except in WA, OR, CA and the New Madrid seismic zone. Flood coverage included except in A & V zones or sub-zones. Guest evacuation and relocation coverage to help manage mass-evacuation exposures. General liability with per-location aggregate; liquor liability, employee benefits liability, and hired/non-owned auto available. Umbrella limits up to $200,000,000 available. Boiler & machinery limits to $25,000,000; includes business income, extra expense, service interruption, plus $2,500,000 demolition & increased cost of construction coverage. Crime: employee dishonesty and forgery limits up to $500,000; innkeepers and safe-deposit box liability available. Note: Property coverage is not offered in Florida under this program. Ideal accounts and appetite This program is intended for hotel and motel owners and operators, including but not limited to: limited-service motels, economy and midscale hotels, franchised roadside properties, and smaller independent boutique hotels. Typical accounts we place: Single-location motels or hotels with moderate annual revenue and standard housekeeping and maintenance operations. Properties with on-premise alcohol service (we offer liquor liability where needed). Properties seeking higher umbrella limits or expanded B&M and business interruption protection. Generally not suited: high-rise luxury resorts, properties with significant recreational operations (e.g., large water parks), non-managed condominium hotels, or accounts with significant Habitational conversion issues—submit those for prior review. Underwriting notes Underwriters review occupancy, fire protection, sprinkler status, recent loss history, and management experience. Flood and earthquake have named exceptions in higher-risk zones — see coverage highlights for standard exclusions. Submission should include ACORD applications, current property valuation information, protection class, loss runs, and details on alcohol exposure if applicable. Minimum premiums and binding conditions vary by state and account; contact our underwriting desk for account-specific thresholds and appetite guidance. Territories and availability Available in: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place hospitality business with Hospitality Insurance Solutions? MGA expertise — underwriters who understand lodging risks and the documentation agents need to bind quickly. Comprehensive product set — package or pick coverages to match your client’s exposures. Access to competitive limits (including high umbrella and B&M limits) and hospitality-specific endorsements. Responsive placement support — we review submissions and provide clear underwriting feedback to help you close business. Example scenarios: You might have a 75-room roadside motel with standard fire protection and low claims history that needs combined property and GL with liquor liability — this program can often provide packaged solutions. Or a mid-size downtown hotel seeking higher umbrella limits and boiler coverage for its mechanical plant can benefit from the B&M and umbrella capacity offered. Frequently Asked Questions What types of hospitality accounts fit this program?We primarily write hotel and motel owners/operators: limited-service, economy, midscale, franchised roadside properties, and small independent hotels. Large resorts, complex recreational operations, and certain condo-hotels typically require referral. Which coverages are available as a package versus monoline?Property, general liability, umbrella, boiler & machinery, and crime can be bound together as a package or written individually. Packaging often simplifies pricing and claims handling for multi-line exposures. Are earthquake and flood included everywhere?Earthquake is included by default except in WA, OR, CA and the New Madrid area. Flood is included except in A & V zones or sub-zones. Always confirm per-location eligibility during submission and note there is no property coverage in Florida under this program. What do you need to submit for a quoted account?Provide ACORD applications for property and liability, current property valuations, protection class/sprinkler info, five years of loss runs, and details on alcohol exposure or any prior major losses. Underwriting may request additional information depending on the account. Need help placing an account? Connect with a market specialist.