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10 Tips for Getting Social – on Social Media

KNOW YOUR AUDIENCE Knowing your audience is critical for social media success. It’s easy to post a picture that you think is pretty, or write a blog about a cool new piece of technology, but if it doesn’t mean anything to your audience, it’s pretty useless. In the big picture, it is a waste of your time resources, and can actually prevent your audience from engaging with you. When creating social media content, it is important and you need to know who you’re trying to attract. It’s not enough to only understand who you’re talking to, but what their interests are, what motivates them and what frustrates them. When you know your audience, you can make an informed decision about which social media channels you should be using and what content will resonate with them. The most effective way to do this is by creating audience personas. Think about your ideal client. Your current client. That market you’re looking to break into. Who is likely to be interested in your product or service? Ask yourself the following questions: Are there trends in the people who make enquiries to your business? What are their motivations for seeking the product or service? How does the product or service help them? What frustrates them? What excites them? What education level do they have? What is their income? Where do they live? Where do they aspire to live? What do they do on the weekend? Do they have a family? Do they have pets? Do they want pets? It may seem like information overkill, an exercise that just saps your time. Focusing on...

Client Retention in the World of Insurance

Have you ever sat and paid attention to how many TV commercials are from insurance companies? If so, then you all so noticed how many of them are encouraging you to switch coverage from your current carrier to their company, right? The reason is simple- insurance companies are like any other business, they need continued growth in the market share. However, the customers that they are able to retain ultimately have a much larger impact on the bottom line, because – as a rule, it takes four time more effort/money to attract new customers than to retain existing ones. Back before everyone had the ability to go to their desktop or mobile device (you know, before the digital age) for a quick insurance quote, Insurance agents and their teams were the “gatekeepers.” They had the ability to earn trust and maintain personal relationships with their clients. Today, busy Americans with too much to do and too little time, and those under 30 differ with insurance as we knew it in some key aspects. While they still are looking for advice and guidance, they also want searching for insurance to be as seamless as going to the grocery store. This group will search for and communicate whenever, wherever, and however they want. So, how can insurance companies keep and hopefully expand their diverse sets of customers, old and young alike? What factors drive retention and loyalty? I recommend these tips: Know your clients better: Insurers need to know and better understand their customers’ values and behavior patterns, not only as target groups, but as individuals. They need to use social...

Insurance Companies Face $20 Billion Exposure from Hurricane Florence

Industry experts are warning that Hurricane Florence – looming over North Carolina, South Carolina, Georgia, and Virginia – could generate “tens of billions of dollars” in insured losses. Although the storm’s current path and potential damage remain difficult to predict, catastrophe risk modeler Risk Management Solutions (RMS) has projected insured losses resulting from the hurricane of between US$15 billion and US$20 billion, additionally noting that Florence will be the strongest hurricane to make landfall in North Carolina since 1954. According to Fitch Ratings, the pre-landfall forecasts for Florence suggest that the hurricane could linger over the Carolina coastal area after its arrival, which could expose the region to an extended period of strong gusts, heavy coastal storm surge, and rainfall-induced flooding (both coastal and inland). If the storm manages to keep its intensity as it travels inland through densely populated areas, Florence could potentially cause “considerable economic and insured losses.” Fitch Ratings has also compiled a list of insurers that would be hit the hardest once Florence makes landfall. Top-five homeowners’ writers as measured by statutory direct written premiums in NC, SC, GA and VA: State Farm Mutual Insurance Group United Services Automobile Association (USAA) The Allstate Corporation Nationwide Mutual Insurance Group Travelers Companies Top-five commercial writers (inland marine, allied lines, fire, commercial multi-peril non-liability) as measured by statutory direct written premiums in NC, SC, GA and VA: Liberty Mutual Insurance Group CNA Financial Corporation Travelers Nationwide American International Group (AIG) Top-five private flood writers as measured by statutory direct written premiums in NC, SC, GA and VA: FM Global Group AIG Assurant Zurich American Insurance Group Swiss Re...

Medical Marijuana and Ohio Employers

Legal marijuana is reported to be a multi-billion dollar industry in the U.S.—its growth and size are now on par with other well-established businesses. It is no wonder that Ohio has now joined at least 28 other states that have legalized some form of marijuana. The new Ohio law, signed in September 2016, stipulated that the program be ready to service Ohio residents on September 8, 2018. So what does this mean for Ohio employers and their drug-free workplace policies? Employers do not have to accommodate medical marijuana, but may choose to do so. Ohio law does not require employers to permit or accommodate an applicant’s or employee’s use, possession, or distribution of medical marijuana. An employer may choose to accommodate on- and/or off-duty medical marijuana use like any other accommodation. However, under federal law, federal contractors must still maintain a drug-free workplace, and employees in certain safety-sensitive positions (like DOT-regulated drivers) cannot be accommodated. Employers can still make employment decisions based on marijuana use. Employers can discharge, refuse to hire, or discipline an individual because of his or her medical marijuana use. And employers can always prohibit employees from working when impaired, regardless of a substance’s legal or quasi-legal status. Employees who are discharged for using medical marijuana are ineligible for unemployment compensation benefits if their employer’s policy prohibits the use of medical marijuana. Employers may still drug test. Employers can implement and enforce drug testing, drug-free workplace, and zero-tolerance policies. However, drug testing doesn’t measure actual on-the-job impairment when it comes to medical marijuana, and so managers must be trained to identify signs of impairment. Employers should be clear about their...

Quick Home Improvement Projects To Tackle Before The Holidays

Quick Home Improvement Projects To Tackle Before The Holidays With Thanksgiving barely behind us and Christmas on the way, you’re likely worried about how your house looks for holiday guests. While you may think you don’t have time to hire a general contractor in time for Christmas, there are a number of quick home improvement projects you can do to really spruce up your home in time for your guests. Quick & Easy Home Improvement Projects  Replace Doorknobs and Lock Sets Do your doorknobs and locksets look a bit dated? If so, replacing them can give your home a much more updated, modern feel. Replacing doorknobs is fairly easy and while replacing locksets is a bit more challenging, it’s definitely something that most homeowners can handle. Clean and Seal Grout in Kitchen and Bathroom Is the grout in your kitchen and bathroom looking a bit rough? If so, it’s best to use a special cleaner specifically designed to clean grout. Once you’ve cleaned the grout you can use a sealer to prevent it from getting dirty so quickly. Replace Cabinet Hardware Changing the finish and style of your cabinet hardware is another easy project that can really transform the look of your kitchen or bathroom. Give your home a more contemporary or traditional look just by swapping out your old drawer knobs and pulls for something that is a bit more up to date. Replace Your Dated Shower Rod Looking to give your holiday guests a little more room when they shower? Install a curved shower rod to give your guests some extra room when showering. Upgrade Your Toilet Seat...