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Since 2000, Greg Lunde has been a State Farm Agent and helping those in Carlisle and the surrounding areas with their insurance needs. State Farm offers a variety of Insurance Products, Mutual Funds and Banking Services.

Whether you are planning for the future to protect yourself and your family or are looking for ways to just get yourself covered, call on Greg Lunde to help you evaluate your needs and make sure you have the right coverage for your needs.

Duration : 0:0:32

Technorati Tags: Agent, Auto, Business, Car, Carlistle, Commercial, Health, Homeowners, Insurance, Life, Quotes

1. Q: How does an LCO determine which liability policy should be purchased? What percentage of LCOs have the following coverage? $500,000.00, $1,000,000.00 or $2,000,000.00

Answer: Most all carry $2,000,000 the difference in premium is minimal between 1 & 2 million worth of coverage.

2. Q: What is a reasonable rate for a $500,000.00 / $1,000,000 / $2,000,000 liability insurance policy?

Answer: Rates are based either on number of employees or sales. For an operation with 4 employees an approximate premium would be $2500.

3. Q: How much more on average is a $10 million or $20 million dollar liability policy, what percentage of LCOs have this coverage?

Answer: Most lawn care companies dont carry these high limits.

4. Q: What is the average LCO deductible for liability and theft?

Answer: I recommend carrying deductibles of $1,000

5. Q: How does a LCOs business size effect their liability insurance needs?

Answer: The larger the company the better ability we as insurance agents have to market them and get credits for their insurance.

6. Q: Is it a good idea to get your business liability insurance through your homeowners insurance carrier. Why or why not?

Answer: No, it is better to have your liability insurance separate from your homeowners due to the limits on your homeowners.

7. Q: Does snowplowing effect your insurance needs if so how?

Read more on my Lawn Care Business Blog http://lawnchat.com/?p=340

If you are in need of free lawn care marketing material for your lawn care business, please visit our site at http://www.gophersoftware.com. We have hundreds of free lawn care logo, flyer, door hanger and web templates you can download and use for your lawn care business. We also have free lawn care business contracts. Also download our trial version of Gopher Lawn Care Business Software. Gopher will help your lawn care business schedule and invoice more customers in less time, allowing you more time to grow or enjoy your life. Try Gopher Lawn Care Business Software http://www.gophersoftware.com Visit the Gopher Lawn Care Business Forum http://www.gopherforum.com

Duration : 0:7:35

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VISIT US @ WWW.IRODRIGUEZAGENCY.COM OR

COME IN TO SEE US FOR YOU FREE INSURANCE QUOTE:
15650 NORDHOFF ST #102
NORTH HILLS CA 91343
TEL 818-830-1500 FAX 818-206-1463

PAST NEWS:

With daunting economic updates in the news nearly every day(posted 04-24-09)
Its been just a little over a year since Ivan Rodriguez, North Hills, Calif., went Career, but, oh, what a year its been for him! In the past year, with daunting economic updates in the news nearly every day, he has built an agency of 736 policies and counting. He also racked up a slew of district awards for his success, including District Agent of the Year, Top Sales in Auto and Most Written Life Policies.

He did it by keeping his eye on short-term goals, making Auto a priority. Our approach is very basic. At the beginning of every month, my staff and I set a goal, which is between 80 to 120 total new policies. We break it down and figure out how many policies we need to sell each day, and then we get busy. We use the Lead Center, we work community events, and if we have a slow afternoon, well even open up the phone book and start calling.

Our area is very populated, and my office is on a busy street, which means we get quite a few calls for Auto quotes. We dont do quotes for them, though. If someone calls me for a quote, I go straight to the application online, and we finish with the sale. I believe that if someone calls me theyre ready to do business, and its up to me to show them why they should choose me. And most of these new customers end up eventually buying more than one policy.

Bristol West policies have played a big role in his Auto success. It is one of our most successful products; more than 50 percent of our Auto policies are Bristol West, and they have been terrific to work with. Having Bristol West as an additional Auto coverage option gives us another way to meet our customers needs, and this flexibility has really paid off for me.

For Rodriguez, a big part of success is knowing the competition. We know whats around us and whos new in the area. We also do a lot of research online with the California Department of Insurance. We know who the 10 worst companies are in California are for complaints, and a lot of our prospects come to us from those companies. We explain the quality we offer, and tell them that if they just want insurance, theyre welcome to stick with one of those other companies. We might cost a few dollars more, but if something happens, those few extra dollars for Farmers could make all the difference. And once he closes the sale, he and his staff always ask for referrals, which is where most of their new business comes from.

Its important to know whats going on in your community, says Rodriguez. Most of our customers are Hispanic. They like having a person that speaks their language who doesnt charge them to make changes to their policy. Outside brokers in our area charge $50 to $80 to for every change they make to a policy. Eventually that cost adds up, so at the end of the day, were definitely cheaper.

He has also invested in a professional-looking office, which builds trust with prospects and customers alike. Our customers feel very welcome when they come in. We have a plasma TV in our waiting area and nice desks. We have nice music playing and our walls are filled with professionally framed materials.

Once customers are in his agency, Rodriguez main retention weapon is My Alerts on e-CMS. We address our My Alerts first thing every morning. We call everybody on the list and focus on making sure they dont lapse. Sometimes they might need to adjust limits or coverages to pay, and we work with them to make that happen.

We know the economy is the way it is, and theres nothing we can do to change that, but what we can focus on is the value we bring to the table. And we take it one day and one month at a time. We focus on bringing in 80 to 90 new policies every month, and keeping the customers we already have.

His advice for agents who might be overwhelmed with the economic reports in the news every day? Work your goals one day at a time. If you focus on something negative, negative things are going to happen. But if you focus on good things, good things will come.

Duration : 0:0:33

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