If you missed the last Travelers Webinar, here are some points that were discussed. Personal Lines How to Handle Customer’s concerns regarding increasing premiums. Even though automobile premiums may be increasing, Travelers remains committed to mitigating the impact of industry trends with enhanced pricing, lower expenses and improved processes. Tips for discussing these trends with your customers: Let your clients know the current trends with auto premiums and why. People are buying more cars Distracted driving is increasing; drivers are texting and surfing the web Injury costs are rising Repair costs are rising Review your client's coverage to make sure all available discounts are taken. Remind them of Travelers' auto loyalty benefits such as incident leniency, youthful driver leniency and longevity credits which could be lost if they leave Travelers. MyTravelers Website for Insureds Travelers allows your insured’s access to their account through MyTravelers.  https://www.travelers.com/Login/#/ Report an auto, home or boat claim Pay your bill View your billing activity, payment details and policy information Locate a repair shop Enroll in one of our automatic payment plans Check the status of an existing claim View and [...]

With winter slowly moving to spring, people start looking forward to warm weather and boating.   MIBS agents can assist their clients in finding the right coverage for that new boat with Safeco Insurance and Travelers. Watercraft Rating Categories spacer Safeco’s Watercraft Program Safeco’s Watercraft Program is open to most types of watercraft used for recreational purposes.  They offer a selection of coverages designed to provide protection to the insured operator and the watercraft. Program Advantages / Selling Tips:  Competitive Advantages Coverage for pets, personal property, and equipment such as water skis and marine electronics Standalone watercraft are accepted Agreed-value policy Eligible watercraft up to $300,000 and 40 feet Total price protection available for boats 2 years old and newer Roadside Assistance is available Emergency Assistance (on-water towing) Liability coverage only is available Towing and labor expenses Fuel spill and wreckage removal Optional fishing equipment coverage up to $20,000 Additional Interest/Marina Additional Insured is available spacer Safeco also offers the Captain’s Package Option for boats of all ages The Captain’s Package provides a valuable optional coverage. It can be added to new or existing policies for [...]

For new homeowner's policies, Encompass is using a new Enhanced Homeowners Rating system which may provide more competitive rates without changing or limiting coverage. Encompass leverages a customer's auto variables and property characteristics, including the number of stories in the home, the age of the roof, the roof style and the roof composition.  Roof coverage, especially, is a critical part of Encompass Homeowners Insurance. What to ask about the roof: How old is your roof What is your roof material What is your roof sytle (see below) Encompass offers 3 levels of coverage tailored to meet your customer's needs. Different levels of features can be found starting with the Special Level, Deluxe Level and the richest, the Elite Level of coverage. Features include:  Property location limit Additional living expenses reimbursed if home is uninhabitable Water backup damage coverage Homeowners Association extension Jewelry and fur coverage Brochure below. Click here for Encompass Product Levels Brochure Additional coverages available with Encompass  Scheduled Personal Property - provides increased limits for a specific item that typically has high value and has been appraised, such as an engagement ring [...]