An Overview of Social Media Marketing Options

Though there is no secret to success in the business world, establishing a concrete marketing strategy can be invaluable in many respects. However, a modern marketing plan needs to take a few specific details to heart in order to the effort to produce results. If you want to reach your goals, you absolutely want to look at your digital options. Building a marketing plan that factors social media into the mix, for example, is a surefire way for you to see the results you’re after. Consider these points to learn more. 

Consider Your Audience

Building a social media marketing strategy is very simple. Essentially, you need to get the ball rolling by looking at your key demographics and pinpointing which social apps your customers tend to frequent the most. After this, you will have greater perspective on which social sites are worth your attention. Next, you want to begin researching your options with content. You can either create new content or curate a collection of links you can share. However you go about the process, it is good to have a backlog to begin with. Other options  can include: 

  • Create a consistent posting schedule
  • Research current trends in your industry
  • Understand what your audience prefers

Review Your Options

While there are plenty of different angles you can consider when you’re looking to establish a digital marketing strategy, you absolutely want to factor social media into the mix. Learn more about your options and see how you can yield the best results from your efforts.

What Are Vessel General Permits?

You may have heard the term “vessel general permits.” Do you know what vessel general permits are?

What Are Vessel General Permits?

A vessel general permit is a compilation of the requirements set by the Environmental Protection Agency that regulate 26 different emissions and effluents from marine vessels to maintain clean waterways.

Why Was the Vessel General Permit Developed?

EPA regulations did not originally include marine vessels in their pollutant laws. In February 2009, the EPA responded to the urging of environmental groups to eliminate the exclusion and regulate pollutants that are discharged from marine vessels over 79 feet in length.

In 2013, the EPA amended the requirements to include all marine vessels regardless of size, excluding only recreational vessels from the regulations.

Which Discharges Must Comply With the Vessel General Permit?

The VGP regulates almost all emissions and effluents from marine vessels, including, but not limited to:

  • Deck washdown
  • Bilge water
  • Boiler blowdown
  • Cathodic protection
  • Chain locker effluent
  • Fire main systems
  • Graywater discharges

What Is the Penalty for Non-Compliance?

Marine vessels that do not comply with vessel general permits can be subject to substantial fines. Violations can cost vessel owners anywhere from $10,000 to over $125,000, depending on the size of the vessel and the number of days in violation. Negligent or willful violations can result in criminal charges.

Now you know what vessel general permits are. Use this information to avoid non-compliance penalties.

Is There an Advantage To Bundling Insurance?

Bundling multiple insurance policies with one provider can have many benefits. Is bundling your insurance a good idea? 

What is Bundling Insurance?

Bundling insurance is a practice where you buy multiple policies from one insurance company, allowing you to qualify for policy discounts. Insurance companies offer these bundles to encourage clients to buy more policies with them.

What Are the Benefits of Bundling Insurance?

There are many advantages to bundling insurance policies.

1. Saving on Premiums

An obvious benefit is the savings you are eligible for by buying multiple policies with a single insurer. Many companies offer serious discounts on bundled policies, and some companies offer discounts for multiple policies or bundles within the same household.

2. Pay a Single Deductible

Many companies offer a single deductible when you purchase multiple policies with them. This provides extra security in the case of a catastrophic accident that involves multiple claims. Paying one deductible for multiple policies keeps more money in your pocket.

3. Fewer Accounts to Manage

You may be able to have a single payment for all your policies. Additionally, you will only have one company, and perhaps one agent, to get to know and deal with for all your needs. Making your insurance easy to maintain and use is a huge benefit.

Why Many Courts Have Rejected Educational Malpractice Lawsuits

These days, it seems litigation is as American as baseball and apple pie. Even schools are not exempt from legal action. Educational malpractice is the claim that a school did not provide an adequate education. So why have many courts rejected educational malpractice lawsuits?

Educational Malpractice is Hard To Prove

One person may believe a school, whether public, private, or university, didn’t provide sufficient educational opportunities. However, this can be difficult to prove in a court of law. There are hundreds or even thousands of students who come through a school every year. Schools can point to those students as examples of how they provide quality education equitably.

Education is Subjective

Unlike services provided by a doctor or contractor, educational services are subjective. It is impossible to offer a one-size-fits-all approach. When these lawsuits claim a lack of opportunity in the classroom, it is nearly impossible to prove because they cannot pinpoint what “should” happened. A surgeon “should” have removed the appendix but suffered an accident. There’s no comparable event in education. There are more variables in a classroom that don’t exist in other facets of society.

Education is one of the most critical institutions offered by modern society. Before turning to a lawsuit, consider what you can contribute to the education system to improve it for everyone.

How To Make the Best Choice With Personal Property Insurance

Owning a piece of property can be a big milestone in a person’s life. When you invest in real estate, it allows you the chance to grow your future in the way that you would prefer. Naturally, you don’t want to rush into the decision. Finding the right property starts with understanding a few basic factors dictating this industry. For one, you must consider how you plan to protect your real estate in the long run. Look over these tips and gain perspective on how to make the right choice for your future.

Looking at Value

There are many angles to take to heart when it comes to valuable personal property insurance. For one, you should always remain mindful of the perceived value of the real estate in question. Knowing how much the property should be worth based on current market factors can be invaluable in the long run. Naturally, you also need to weigh in details like how much the property has depreciated over time. By doing this, you will be able to find insurance that delivers on every front. Other ways to protect your property include: 

  • Investing in high-end security system
  • Learning more about the surrounding community
  • Establishing a maintenance routine

Reviewing the Options

When it comes to real estate, there are many ways to go about protecting your investment. Take time to look into your options with insurance and see how the right choice can make a world of difference.

What To Consider When It Comes to Excessive Fees in Insurance

It can often be quite expensive to run a business. One of the biggest expenses you likely deal with on a routine basis is your insurance. There are many fees associated with this necessary service, which means that you need to take time to think about your options. Though you might have adequate coverage, you could also be paying a lot more than you realize for your policy. This is why you need to take a step back and look at a few key details in order to see the bigger picture. 

Hidden Fee Considerations

In some cases, insurance agencies charge more than they should for certain services. This is why one of the most common grievances clients have with their insurance providers is an excessive fee complaint. If you feel like you are paying more than needed when it comes to fees and other costs related to your plan, it could be a wise idea to find a better option and save a nice chunk of change. Policy points that can be important to consider with your insurance can include: 

  • Errors and omissions coverage
  • Workers’ compensation
  • Cybersecurity liability

Discover a Sensible Plan

Insurance is a necessary part of running a business. However, this does not mean that you should be paying a small fortune in order to stay covered. Look at the options in front of you and find the right fit to keep yourself afloat.

What Does Boat Dealer Insurance Cover?

Dealership insurance is always complex, because you have expensive inventory, a valuable site for your operations, employees, and of course, liability coverage needs that include policies specifically designed to handle your risk exposure when a client wants an opportunity to get a feel for a boat before purchasing. That’s why you need comprehensive boat dealer insurance that is just as rich and robust as the programs put together for auto or RV dealerships.

Basic Coverage Areas

While every program is a little different in its limitations, maximum coverage provisions, and exact coverage definitions, here is what you can count on seeing in any program designed to serve the needs of boat dealers.

  • Theft or damage of your inventory as well as customer watercrafts is covered
  • Damage from weather events is handled
  • Damage during transport, sea trials, or test drives
  • Cybercrime and online liability insurance
  • Employee injuries as well as general liability coverage
  • Protection against issues with workmanship
  • Premises insurance

For most boat dealers, this covers everything. If you do need something extra, just ask. Most boat dealer insurance programs are flexible, with extra provisions and options for businesses with needs that are a little different. Whether it’s because you also run rentals or because your dealership is part of a larger business enterprise, you’ll be surprised what a good program can help you cover.

Planning Out a Comprehensive Sales Strategy for Your Insurance Company

Even if your insurance company offers several top-notch services and insurance products, the right sales approach and marketing strategy can either make or break your success in the industry. That’s why having a practical and truly comprehensive insurance sales plan is indispensable. Here’s how you can start planning out your company’s big-picture sales strategy.

Gather Detailed Information About Your Key Clients and Sales Demographics

In many cases, successful sales approaches hinge on knowing your clientele. That’s why you may choose to spend time gathering details about your core client base and your target sales demographics. Research several factors, including:

  • Consumer interests
  • Consumer preferences
  • Age ranges
  • Geographical areas
  • Regional cultural trends

Create a Campaign That Draws on All Your Company’s Talent

Making use of all the talent at your company can help you brainstorm effective sales strategies. To do this, you should:

  • Determine your goals and objectives for your marketing campaigns and sales approach
  • Split up key tasks among several different staff members
  • Preemptively address potential customer wants and needs
  • Provide incentives, such as bonuses, to encourage employees to give the strategy their all

No matter what insurance products or services your company offers, promoting those products via a comprehensive and realistic insurance sales plan is essential. Make sure to do your research on your prospective client demographics and rely on all the talent at your company to maximize your sales strategy’s odds of leading the company to success.

Does Your Trucking Company Need Hazmat Insurance?

Insurance Business

Choosing the right insurance options for a trucking company can be tough, even if you’re the mastermind who understands every aspect of the operation. For managers without that architect’s eye view, it can be harder. Luckily, the insurance professionals who make trucking coverage their business? They know what to ask to discover the coverage you need even if you do not know you need it.

  • Hazmat insurance
  • Motor truck cargo insurance
  • Roadside assistance packages for fleets and individuals
  • Commercial vehicle liability

The reason why so many professionals need help with finer points like hazmat coverage is because there are a lot of materials that are not conventionally thought of as hazardous but that could still count as such under the wrong conditions. It’s an unfortunate truth that accidents occur and provide such wrong conditions. You need insurance that anticipates the effect of a spill, not just the hazard posed by your cargo in its regular state.

Get a Quote on Complete Trucking Coverage

Your best coverage options come when you work with professionals who have the experience to understand all the ins and outs of trucking risk management. Pick the right insurer and you can benefit from a wider view of the range of roles companies like yours can play and the different needs they develop as they grow and change. Ask for a hazmat insurance quote today to see.

Finding Your Perfect Personal Auto Insurance Plan

Personal auto insurance is often less expensive than what you find on the commercial market, but it does not cover business uses of the vehicle or liability for passengers in most cases. On the other hand, though, a commercial policy might not cover your car in your off time if it’s also the vehicle you drive home at night and use personally. Then there’s the issue of whether you personally own the vehicle or your company does. Deciding between personal vs commercial insurance for cars is often a matter of finding something that does a little of both, especially for those who work as independent contractors offering part-time use of their vehicles.

Finding Your Perfect Fit Insurance Policy

The answer is usually a personal insurance policy with robust protection and an additional piece of coverage for the specific business uses you rely on your car to fulfill. If you own the car yourself, it’s the most inexpensive solution, and you can add the professional coverage that reflects the portion of the time your car is actually used for business purposes. Those purposes often include:

  • Rideshare
  • Delivery/pickup of supplies for your company
  • Transportation of employees or yourself to and from professional development
  • Use of your vehicle for courier or delivery services

These are the things that make the difference between personal vs commercial insurance, but they are not the only additional insurance needs you might have. Get a quote today to learn more.