Tuesday, August 28, 2012
Tuesday, August 21, 2012
One of the new "games" to play in reputation management is to suggest your business is in some way friendly to the environment. An increasing percentage of the population believes you run a better business if it is more sustainable and "green". In this, there's actually an ironic benefit. Insurance companies also believe you should run your business in ways that reduce risk. This means keeping all your policies, processes and procedures under review to ensure they are safe. If you find ways to reduce the risk of claims, the insurer will respond with discounts. So, for example, your business may benefit if both the public access and the employee-only parts of your premises are redesigned in a more environmentally friendly way. If you use paint that does not fume and has reduced levels of toxicity, this reduces any risk of allergic reactions and illnesses.
Using natural light wherever possible, fitting LED lights and generally using power-efficient equipment reduces heat and the risk of fire. It also makes the premises more comfortable and popular with customers. Ask your insurer whether there are incentives to upgrade the building by fitting energy-efficient systems. If you comply with the Leadership in Energy and Environmental Design (LEED) standards, the Insurance Information Institute reports that, as from 2010, there are more than twenty insurers offering up to 10% discount on premium rates. One of the factors you might want to consider is the use of solar or wind power. Ignoring the capital cost to produce enough electricity to allow you to "go off the grid", one of the main worries is the risk of outages. Some insurers are now offering specialized business interruption coverage to boost confidence.
When it comes to the vehicles used in the business, some of the commercial auto insurers offer discounts if you buy or lease hybrids. Even though you may not be impressed by the claimed threats of global warming or climate change, the insurance industry is firmly on the side of reducing emissions. The better the fuel-economy of your fleet, the lower the premium rates are likely to be. Similarly, the idea of pay-as-you-go will both save you money on the premium rates if you reduce milage to the absolute minimum and persuade your employees to drive more safely. The more safely and efficiently you run the fleet, the lower the premium payments. It also makes an excellent add-on to your marketing to show how much you care about the environment and that you are committed to reducing America's dependence on imported oil. If you build environmental factors into your current risk management system, there's a real chance of improving your bottom line, negotiating discounts on your business insurance rates, and giving yourself some marketing copy that will enhance your reputation with green customers. In this instance, there's no reason why your skepticism about climate issues and other environmental factors should stand in the way of improved profits. Talk this through your your business insurance advisor to find out what your state's insurance industry has on offer if you do decide to become more eco-friendly.
Tuesday, July 24, 2012
The business that comes out on top is the one that uses every means available for creating brand awareness
There are so many tricks to promote your business brand through many ways.
One of the best ways to advertise is through the use of signage. Huge billboards might be cost prohibitive, but there are a variety of less expensive types of signage that can bring customers into your retail store, drive traffic to your website, and create an awareness of your products and services. Best of all, high quality customs signs can be ordered over the Internet at a fraction of the cost of creating custom signs locally. What follows is an overview of the types of signage that is available and how you might incorporate it into your business.
The alternative is vehicle lettering, it comes to be dynamic advertising your business whenever you or your employees are behind the wheel. So that you need to design a custom signs of your logo, Banners & Vehicle Lettering.
Metro Sign Communications offers you to make it come true. So many services you can get like 3-D Lettering, storefront signs, truck Lettering, engraving, flags, banners, awnings, goldleaf signs. It is located in Brooklyn, Manhattan, Bronx, Staten Island, and Bronx residents will give you the only sign company in NYC for point of interest of your business noticed
Monday, June 25, 2012
You should never purchase the first thing you find when you are looking at buying a big ticket item, although this should be common sense. You visit several shops, find out what's on offer and at what prices. When you know what the market can supply, you can make the best decision on what to buy. It should be exactly the same when you are looking for insurance except it needs a little more work before you start.
Deciding which make and model of car suits your requirements is the first thing you should consider and working out which insurance cover you require for that particular make and model should be the next. Of course, you may simply decide to keep whatever vehicle you have, but you should always consider how much you might save if you switch to a safer vehicle. Only when you know what you want to insure and how much cover you want can you get quotes. Always compare like with like. That's the way to find out that some insurers can ask for car insurance rates differing by hundreds of dollars.
Although you may just be looking for cheap car insurance, never assume all insurers are equal. You need confidence the insurers offering the cheapest rates are financially secure and have a claims-handling process that offers some protection to you as a customer. Companies like A M Best, Moody's, and Standard & Poor rate insurance companies for reliability. Every state also has an Insurance Commissioner. On your local site, you should find information about whether complaints have been made and upheld against the insurers licensed to sell policies in your state. You do not benefit if you buy a policy from a company that sees its mission in life as being to deny all claims made by its policyholders. The good news is that there's a federal program to rescue policyholders if their car insurance company is declared bankrupt. Your policy will be passed on to other insurers. If there are outstanding claims, they will be dealt with by the new insurer. Take care and protect yourself by shopping around.
Friday, June 22, 2012
Like many things today, it seems as though the cost of insurance is rising. Since all drivers are required to have insurance, more often than not they prefer cheap car insurance. When looking for affordable insurance, there are recommendations you can follow to find the very best coverage at the lowest rates.
Take Advantage of Membership Benefits
Being a member of certain organizations has its perks, including lower rates on insurance. Several memberships are particularly beneficial to drivers. These include AAA and AARP which offer significant discounts on auto insurance. Even membership in chambers of commerce or warehouse chains like Costco can save you money on insurance.
The less you drive your car, the better insurance rates you can get. This is because the chances of you becoming involved in an accident are reduced. You may even want to consider pay-as-you-drive insurance programs which track your mileage and bill you accordingly. Insurance companies are more than willing to give you reduced rates in exchange for being on the road less frequently.
Look for Discounts
It is possible to save over 50% on your insurance costs with discounts. All insurance companies offer discounts of some sort. The most common types include safe driver, good student, and senior discounts. But there are many more that your insurance provider offers. It is your responsibility to make sure you receive all discounts you are eligible to receive.
Consider Where You Live
Your location is a major factor when it comes to cost savings. Not only your actual neighborhood but also the state in which you live can impact your premiums. Certain states are simply cheaper. States with fewer people, such as North Dakota, offer some of the lowest insurance rates in the country. Living in states that are more populated, including Florida and New York, will result in higher premiums.
These are just some of the ways you can get cheap car insurance. It merely takes a little work on your part to compare policies offered by multiple insurance companies by requesting free quotes from all who provide cheap car insurance.