Who Needs It?
This type of business should have insurance if customers walk into their store.
What is a retail business?
This is what business owners say right before something goes wrong: “I don’t need insurance because…”
What is famous last words?
A new business owner just signed a lease, this is a great time to refer them to you.
What is when someone starts or opens a business?
This policy protects your business if you accidentally hurt someone or damage their property.
What is General Liability?
This is something most landlords require before you can open your business.
What is insurance (or a Certificate of Insurance)?
This type of business often needs workers comp because employees do physical labor.
What is a contractor?
This is what I hear right after a claim happens and there’s no coverage.
What is “I thought I was covered”?
This person hires their first employee and now needs new coverage.
Who is a growing business owner?
This covers your business stuff like equipment, furniture, and inventory.
What is Property Insurance?
This document proves you have insurance and is often requested by clients.
What is a Certificate of Insurance (COI)?
If someone gives professional advice for a living, they may need this type of coverage.
What is Professional Liability (or E&O)?
This is the look a client gives when they realize insurance would have been cheaper than the claim.
What is regret?
A client says their insurance went way up, this is your opportunity.
What is a referral for a policy review?
This gives extra protection on top of other liability policies.
What is an Umbrella Policy?
This term means sharing a great contact with someone in your BNI group.
What is a referral?
This business definitely needs insurance if they serve food to customers.
What is a restaurant?
This is what a client calls their policy right before you review it and find 3 gaps.
What is “pretty good coverage”?
Someone signs a big contract and needs to show proof of insurance quickly.
Who is a business owner needing a Certificate of Insurance?
This policy covers employees if they are injured while working.
What is Workers Compensation?
This is the yearly check insurance companies do to verify payroll and sales.
What is an audit?
This type of business needs coverage for tools and equipment they bring to job sites.
What is a contractor (or trades business)?
This is what business owners say when you ask when they last reviewed their insurance.
What is “Uhh… it’s been a while”?
A business owner says, “I haven’t reviewed my insurance in years.”
What is a perfect referral opportunity?
This covers vehicles used for business, like company cars or work trucks.
What is Commercial Auto Insurance?
This term means the amount you pay before insurance kicks in.
What is a deductible?