I'm working a nice account right now and while doing my analysis of their current policy I've found a major mistake. They currently have 425k in property on the policy and I thought that was very low to begin with and then I ran across the equipment breakdown for 1.1 million thru Hartford. I'm 99 percent sure that 1.5 is more in line with the property value and the current agent is mistaken the ebp as full covering the boilers however that isn't the case. Its a 5/1 account would you go ahead and tell the insured now and try to aor or wait till the proposal and show this to them? They are good customers of my dad in his business but I don't really have a relationship with them yet.
I never presentchoices that I do not believe are beneficial to my customer I know when a claim happens its gonna be my fault for not giving him proper coverage Id let him walk rather then give complete wrong coverage usually that does not happen
if he creates, an imediate need to fix it now! that is why you need the company to aor the policy to you..now! the other agent left him holding the bag.. unless he knows they are under-insured..
I never presentchoices that I do not believe are beneficial to my customer I know when a claim happens its gonna be my fault for not giving him proper coverage Id let him walk rather then give complete wrong coverage usually that does not happen
COMMON mistake here " I never present choices that IIIIIII dont believe are beneficial for the client.... when a claim happens YOU wont be at fault if you disclose everything correctly and made them signed the necessary paperwork. you will be fine, again guys like you are the ones that make my life easier when I make a presentation, I break them in half...
Take the I and MY Customer out, and treat them as a client, stop acting as a SALESMAN GIVE CHOICES
Got the point here its NOT about YOU and what YOU THINK is best, is a about the being an INSURANCE AGENT and educating the client LET THEM make the choice and if YOU think at the time that its not the best choice let them know why and cover your BUTT with the necessary paperwork...
