';

Even Experts Need Coverage for Mistakes

E&O coverage

Professional liability insurance is also called insurance for errors and omissions and is designed to cover those who offer their expertise as a means of making a living. This coverage is not to be confused with general liability insurance, which protects businesses from the type of general accidents that can happen anywhere. These policies are separate, yet complementary to each other and expand coverage for smaller businesses and individuals.

What Does E&O Insurance Cover?

E&O coverage tackles the unique lawsuits faced by experts in a variety of fields, from doctors and lawyers to architects, engineers, IT consultants and others. For those in business for themselves, it is essential to cover claims that can be made against them for:

  • Mistakes in work
  • Unintended results
  • Services not provided
  • Negligent or careless services

To deliver expert-level services in any field, professionals must meet industry standards for their work. Failure to do so, or even the perception that they failed to do so, leaves them open to lawsuits.

Types of Professional Services Covered

E&O coverage can be applied to many different circumstances, including accounting mistakes that cost a client several thousand dollars or beauty treatments that burn a customer’s skin because the wrong ingredients were applied. More examples can include instances in which photographer damage a couple’s only wedding photos and personal trainers who promise amazing weight loss or slim and trim physiques that just don’t occur.


A Successful Email Strategy Increases Prospects

Insurance agent marketing

While an agent may have hundreds of prospects, along with several clients in their database of insurance leads, numbers mean nothing if there isn’t proper follow-up being done to keep them viable. Insurance agent marketing through the use of email is one solution to converting many of those valuable insurance leads.

The primary objective of any email marketing campaign, and a good insurance sales tip, is to add value. Every email requires a plan of action along with a final objective. In order to be successful one needs to determine the main points to be covered, the value to be added, and the call to action. This keeps focus on the primary objective of those emails, which is moving the person closer to an insurance sale.

Tips on how to remain focused

Grab their attention from the start by opening with the most important point first. Keep the message simple and reinforce that same message all the way to a call to action. A salesperson has to capture and hold the attention of their audience right to the point of getting them to take the next step, so take a personal approach by always calling them by name. The point of all of this is to gain trust and make any prospect feel like there is a genuine concern about their personal insurance needs.

As for the recipient’s actions, including a call to action in every email you send out. This can be done with clear and precise directions, such as the use of “click here” links. Make sure they have access to the link by including it, once in the beginning of the email and again at the end.

Use consistent, easily identified emails

Adding a consistent template or format to emails can be a great way to present a professional and branded presentation to those insurance leads. This is an important insurance sales tip because inconsistency is a real sales killer. Customers can become confused and mistrust strange looking emails, or mark messages as spam because they look unfamiliar to them. Letting them know right off whom the email is from will help put them at ease.

Email is a valuable insurance agent marketing sales tool useful for converting insurance leads into insurance policies. Try following these suggestions with a few fresh insurance leads and see how well this process works for you.