Comments for RiskSmart Tips http://risksmartsolutions.com/blog Buy Your Insurance Last! Wed, 11 Aug 2010 23:34:12 +0000 hourly 1 http://wordpress.org/?v=3.0.1 Comment on Lessons from an Auto Thief by Roberta Guise http://risksmartsolutions.com/blog/2010/lessons-from-an-auto-thief/comment-page-1/#comment-37 Roberta Guise Wed, 11 Aug 2010 23:34:12 +0000 http://risksmartsolutions.com/blog/?p=176#comment-37 What great advice Charles, and a good reminder! Here's another thought: if you transport your laptop and a portable external backup drive, separate the drive from the laptop. That way, if your laptop is stolen, you've got the entire computer on the backup drive. Small consolation, but at least you'll have all your data and software. What great advice Charles, and a good reminder! Here’s another thought: if you transport your laptop and a portable external backup drive, separate the drive from the laptop. That way, if your laptop is stolen, you’ve got the entire computer on the backup drive. Small consolation, but at least you’ll have all your data and software.

]]> Comment on Lessons from an Auto Thief by Corri F. DiBagno http://risksmartsolutions.com/blog/2010/lessons-from-an-auto-thief/comment-page-1/#comment-36 Corri F. DiBagno Wed, 11 Aug 2010 16:20:36 +0000 http://risksmartsolutions.com/blog/?p=176#comment-36 Excellent points on auto security and preparation. Here in the East (the land of toll roads), many toll facilities are linked to a system known as "E-Z Pass". Simply, it is a transponder attached to the windshield of your car. As you approach a toll booth, your transponder is scanned and the toll is charged (deducted) from your account (usually a credit/debit card). Beyond the actual transponder, having this taken will provide access to vital personal "I. D." i.e., credit card info, address info, driving patterns etc. Would suggest removing the "E-Z Pass" transponder from the windshield, every time you leave your car in a parking garage/valet situation. Also, never leave spare keys with a valet parking lot attendant. Excellent points on auto security and preparation. Here in the East (the land of toll roads), many toll facilities are linked to a system known as “E-Z Pass”. Simply, it is a transponder attached to the windshield of your car. As you approach a toll booth, your transponder is scanned and the toll is charged (deducted) from your account (usually a credit/debit card). Beyond the actual transponder, having this taken will provide access to vital personal “I. D.” i.e., credit card info, address info, driving patterns etc. Would suggest removing the “E-Z Pass” transponder from the windshield, every time you leave your car in a parking garage/valet situation. Also, never leave spare keys with a valet parking lot attendant.

]]> Comment on Lessons from an Auto Thief by John Schaefer http://risksmartsolutions.com/blog/2010/lessons-from-an-auto-thief/comment-page-1/#comment-35 John Schaefer Wed, 11 Aug 2010 16:18:43 +0000 http://risksmartsolutions.com/blog/?p=176#comment-35 Great tips. I didn't realize that they could get key copies that easily. I also never thought about the address on the important papers. Thanks Charles. Great tips. I didn’t realize that they could get key copies that easily. I also never thought about the address on the important papers. Thanks Charles.

]]> Comment on How to Destroy Your Reputation in 7 Easy Steps by Corri F. DiBagno http://risksmartsolutions.com/blog/2010/how-to-destroy-your-reputation-in-7-easy-steps/comment-page-1/#comment-33 Corri F. DiBagno Wed, 14 Jul 2010 13:24:02 +0000 http://risksmartsolutions.com/blog/?p=147#comment-33 Charles: Another excellent RiskSmart Tip. To support a prior "blogger" (Jan Richards) a complaint is an opportunity to turn an "objection" into a "sale". If the customer is unhappy with a product/service, listen closely for their concerns, restate the concern for the customer and then proceed to handle the objection. In this regard, you have built a "bond of empathy" as well as attacking an issue. A well constructed insurance portfolio will assist you in better understanding any "risk management issue" that affects customer service. Charles:

Another excellent RiskSmart Tip. To support a prior “blogger” (Jan Richards) a complaint is an opportunity to turn an “objection” into a “sale”. If the customer is unhappy with a product/service, listen closely for their concerns, restate the concern for the customer and then proceed to handle the objection. In this regard, you have built a “bond of empathy” as well as attacking an issue. A well constructed insurance portfolio will assist you in better understanding any “risk management issue” that affects customer service.

]]> Comment on Group Insurance Quagmire by John Kosecoff http://risksmartsolutions.com/blog/2010/group-insurance-quagmire/comment-page-1/#comment-32 John Kosecoff Tue, 13 Jul 2010 22:56:17 +0000 http://risksmartsolutions.com/blog/?p=136#comment-32 Charles, you raise a thorny issue. Employers increasingly look to off-load to their employees the expense and liability of benefits. The effected individuals are least informed and poorly positioned to source and negotiate alternative provider terms. Few individuals have lawyers or insurance agents with the depth of training to ensure that an adequate balance is struck between cost and contract agreement even on a one-shot review, let alone in evaluating periodic changes. How does a new group or a new group member best assess possible coverage gaps? Charles, you raise a thorny issue. Employers increasingly look to off-load to their employees the expense and liability of benefits.

The effected individuals are least informed and poorly positioned to source and negotiate alternative provider terms. Few individuals have lawyers or insurance agents with the depth of training to ensure that an adequate balance is struck between cost and contract agreement even on a one-shot review, let alone in evaluating periodic changes.

How does a new group or a new group member best assess possible coverage gaps?

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