“Smart drivers can get cheaper auto policies, by following several smart methods”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
October 23, 2020

Car insurance companies determine the premium paid by a driver after analyzing multiple factors. Some of these factors are under the policyholder’s control and can help him get cheaper car insurance.

• Adjust the deductible. Drivers can increase the deductible levels to lower the price of their insurance rate. In many cases, the premium rates drop as much as 30%. Policyholders should consider adjusting the deductibles to a level they can support if something bad happens.
• Consider dropping medical payments coverage. If a policyholder already has health insurance, then he will not need the medical payments coverage. In most cases, the two policies overlap.
• Policyholders should consider buying a cheaper car to insure. Cars that are considered safe and come equipped with safety features and anti-theft devices are cheaper to insure.
• Consider the low mileage discount. If a policyholder doesn’t drive his car too often, he might be eligible for a low mileage discount that typically ranges from 15% to 20%.
• Bundle policies. Insurance companies offer substantial discounts to those policyholders that choose to bundle policies. Policyholders can choose to bundle at least two vehicle policies or their vehicle policy can be bundled with their home insurance policy.
• Look for additional discounts. Insurance companies offer plenty of discounts, like a senior citizen discount, loyalty discount, good driver discount, good student discount. Policyholders should check for what discounts may apply.

For additional info, money-saving tips, and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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“Senior citizens can still get advantageous deals. Compare prices online and track the best offers”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
October 26, 2020

Age is a very influential factor when determining insurance costs. Seniors, like teen drivers alike, are considered high-risk drivers. But the reasons are different. However, the elderly can still find ways to lower insurance premiums. Follow the next tips:

• 
  Take a driving class. Graduating a defensive driving course will help to secure a discount. These classes are don’t cost much and can be offered in-person in a classroom, or you can stream them online. In these driving courses, senior citizens will find out how aging and medication affect their ability to drive and how to deal with certain age-related conditions.
• Install anti-theft devices. On the market, there are multiple types of devices that will make your vehicle safer against thieves. Electronic alarms, ignition kill switches, GPS tracking systems, steering wheel locks, electronic immobilizers, and many other safety devices will help drivers acquire a discount.
• Buy a cheaper car. The vehicle makes, model, and year of production are all important factors that determine the price of a policy. The cheapest vehicles to insure are slightly used SUV’s, minivans, and crossovers. Also, look for models that have safety features installed.
• Join a UBI program. Allow the insurer to install a small telematics device inside the vehicle. This device will record mileage, sudden changes in speed, hard braking, cornering, and the time of day when the vehicle is driven. The insurer will customize the price based on this data.
• Shop online quotes. The best places to shop for online auto insurance quotes are brokerage websites. In order to get accurate estimates, senior citizens should be careful when they complete the questionnaires and make sure they provide accurate data. It is recommended to complete at least three car quotes in order to make an idea of how their policy would look like.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit https://compare-autoinsurance.org

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“Specialized expertise across industry, product and program remains a major focus for NFP, and this includes adding talented industry leaders like Tracy and Kara,” said Lombardi.

NEW YORK (PRWEB)
October 26, 2020

NFP, a leading insurance broker and consultant providing employee benefits, property and casualty (P&C), retirement and individual solutions, announced today that Tracy Stopford and Kara Tencellent have joined the P&C specialty team as managing directors. They will co-lead the Risk & Insurance Strategy Collective (RISC) under NFP’s Captive and Alternative Risk practice. The additions reflect NFP’s focus on adding specialists that help clients overcome complex risk challenges.

Stopford comes to NFP with more than 20 years of global captive and risk management experience. She joins NFP from Willis Towers Watson, where she served as senior vice president and chief operating officer for North America and India operations for the company’s global captive practice. In providing captive management expertise and operational support to the global practice, she also led the opening of a captive management office in Hong Kong. As managing director at NFP, Stopford will develop and deliver a broad range of alternative risk, captive consulting and management solutions grounded in innovative technology and analytics.

Tencellent brings 20 years of insurance and risk management experience that includes expanding international business capabilities and product lines in the commercial, captive and alternative risk space. Most recently, she served as director of alternative risk solutions at Coverys. Prior to that, she was a vice president with the Willis global captive practice. As managing director at NFP, Tencellent will contribute to the growth of the specialty group and lead the expansion of domestic and international tech-forward capabilities and solutions.

Stopford and Tencellent will work closely together to lead all operational and business development aspects of the RISC, while creating innovative client facing technology and analytics resources that enhance clarity and value for clients. They will report to Henry Lombardi, executive vice president and head of NFP’s P&C division.

“Specialized expertise across industry, product and program remains a major focus for NFP, and this includes adding talented industry leaders like Tracy and Kara,” said Lombardi. “We’re excited for them to join NFP, lead the Risk & Insurance Strategy Collective and be key contributors to our overall growth.”

“We are thrilled to welcome Tracy and Kara to the team and expand our captive and alternative risk expertise and capabilities,” said Doug Turk, regional managing director of NFP’s West region. “Their specialized experience, market knowledge and global relationships will be critical to delivering more value to our clients, growing our captive and alternative risk collective, and developing creative and innovative alternative risk solutions.”

About NFP

NFP is a leading insurance broker and consultant providing specialized property and casualty, corporate benefits, retirement and individual solutions through its licensed subsidiaries and affiliates. NFP enables client success through the expertise of over 5,700 global employees, investments in innovative technologies, and enduring relationships with highly rated insurers, vendors, and financial institutions. NFP is the 5th largest benefits broker by global revenue, 6th largest US-based privately owned broker, and 8th best place to work in insurance (Business Insurance); 10th largest property and casualty agency (Insurance Journal); and 12th largest global insurance broker (Best’s Review).

Visit NFP.com to discover how NFP empowers clients to meet their goals.

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“We’re excited to expand our global service offerings with Connor HR and provide additional tools and solutions to our clients,” said Matt Pawley, managing director of NFP in Europe.

NEW YORK (PRWEB)
October 26, 2020

NFP, a leading insurance broker and consultant providing employee benefits, property and casualty, retirement, and individual solutions, today announced a partnership with Connor Consultancy (Connor HR) an organization focused on providing HR solutions to employers of all sizes. This partnership recognizes the diverse HR needs of employers and expands the value NFP can deliver to global clients.

Connor HR delivers HR services to businesses that may not have the capabilities of a full HR team, as well as organizations that have an HR team, but want to outsource transactional activities so they can focus more on other HR functions. Services provided by Connor HR include COVID-19 return to work planning, employee relations, restructures and redundancies, relocation of employees, outplacement support, HR contracts, policies and handbooks, organizational design, executive and team coaching, HR audits, and leadership and management development. With over 28 years of offering HR services, Connor HR’s experts are well equipped to support the increasingly complex needs of businesses of all sizes.

Any NFP clients that have an office in the UK will have direct access to the full array of Connor HR services through this partnership. Connor HR consultants will be able to provide advice and support with a deep understanding of their needs and goals. The offerings utilized will be determined by the type of support each client needs, from assistance with a single project to a dedicated HR expert.

“We’re excited to expand our global service offerings with Connor HR and provide additional tools and solutions to our clients,” said Matt Pawley, managing director of NFP in Europe. “Connor HR provides a broad range of HR services, creating an opportunity to better meet the needs of our clients who want and need HR support, whether it’s day-to-day engagement or organizational change projects.”

“NFP’s commitment to providing exceptional solutions to employers aligns with our values for providing the best HR service to clients,” said Paul Connor, founder of Connor HR. “This partnership creates an opportunity for both organizations to provide a wider range of product offerings to clients.”

About NFP

NFP is a leading insurance broker and consultant providing specialized property and casualty, corporate benefits, retirement and individual solutions through its licensed subsidiaries and affiliates. NFP enables client success through the expertise of over 5,700 global employees, investments in innovative technologies, and enduring relationships with highly rated insurers, vendors, and financial institutions. NFP is the 5th largest benefits broker by global revenue, 6th largest US-based privately owned broker, and 8th best place to work in insurance (Business Insurance); 10th largest property and casualty agency (Insurance Journal); and 12th largest global insurance broker (Best’s Review).

Visit NFP.com to discover how NFP empowers clients to meet their goals.

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“Working with a claim adjuster can be challenging. Gather all necessary documents and provide them when asked. Also, remain calm and cooperate with that person”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
October 22, 2020

After being notified about the incident involving its client(s), the insurance company will dispatch a team of experts to evaluate the damage, the car repair costs and how much money will be spent to settle the claim When dealing with claim adjusters it is important to remember that they work for the company.

Here are a few tips on how to work with claim adjusters:

• Have all documents prepared. It is important to have everything organized and all papers and photos ready for inspection. The policyholder must gather all medical records, medical bills and repair bills and provide them when asked by claim adjusters. Having photos taken immediately after the accident may strengthen the policyholder’s claim. Furthermore, prepare a copy after the police report. The claim adjuster will compare all the given information and extrapolate the useful info.    
• Have in mind a minimum claim settlement sum. Consider a minimum settlement before negotiations. Use the medical and car repair receipts to determine this sum. Also take into consideration lost wages resulting from the accident – how much money is lost, past, present, and future, as a result of the injury. In some states this is called” lost earning capacity”.
• Offer the claim settlement proposal to the adjuster. When negotiations start, back that sum of money with arguments. The policyholder must provide receipts, police reports, pictures, medical reports, etc.
• Do not accept low offers. Claim adjusters work for insurance companies. It’s their job to minimize the financial losses of the company. So they will initially provide a very low offer. This is a common tactic and it is used to see how the policyholder reacts.
• Be cooperative during negotiations. Even though the initial offer was really low, stay calm and professional. Provide arguments and gradually reach a compromise. Provide extra documents and photos when required.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://compare-autoinsurance.org.

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“For the longest time, insurers, business owners, and consumers have been vexed by one question – why is my supposedly safe property now underwater?” – Dr. Brady Foust, Ph. D.

SAN DIEGO (PRWEB)
October 22, 2020

HazardHub, the USA’s fastest-growing supplier of geospatial risk data, a 2020 Gartner Cool Company, and current Lloyd’s Lab participant – announces the release of a major advance in flood modeling with the release of the HazardHub Enhanced Flood Model and the HazardHub Catastrophic Flood Model. Insurers, property specialists, and municipalities can now see what happens when catastrophic, soaking rains hit any part of the United States.

Dr. Brady Foust, Ph.D. and HazardHub’s Chief Scientist explains, “For the longest time, insurers, business owners and consumers have been vexed by one question – why is my supposedly safe property now underwater? Part of the reason is that current flood models are meant to strike a balance between obvious flood risk and the desire to build property – these models ignore the impact of climate-driven, sustained, catastrophic precipitation. The HazardHub Enhanced Flood Model and Catastrophic Flood Model address this gap in the market by combining an incredibly detailed hydrology database, 10-meter elevation, known precipitation patterns, and a complex database schema to deliver a picture of both excessive and catastrophic flood risk.”

Current models give a single answer based on “normal” precipitation. Their shortcomings are exposed when excessive and catastrophic precipitation is involved. HazardHub fills this hole in the market by providing customers with two scores. The first score – the HazardHub Enhanced Flood Model – adjusts scores based upon water body strength and NOAA’s model of Potential Maximum Precipitation (PMP). A second score – the HazardHub Catastrophic Flood Model – reflects precipitation levels that are roughly twice the PMP.

The precipitation-based flooding in Houston in 2017, as the result of Hurricane Harvey, the catastrophic flooding in Nashville in 2010, and the Midwest in 2019 are examples of such events.

In the Nashville and Houston catastrophic floods, roughly 53% of destroyed properties were in 100-year or 500-year FEMA flood zones. HazardHub’s Enhanced flood model identified 83% of those same properties being at risk, while the HazardHub Catastrophic Flood Model identified over 99% of those destroyed properties as being at risk.

Bob Frady, CEO of HazardHub adds, “Through our work with our internal and external mentors at Lloyd’s Lab, we’ve seen incredible, surprise losses from flooding events – losses that can devastate a book of business. We’ve also seen the emergence of a burgeoning private flood insurance market that needs to plan for what happens in worst-case scenarios. Unfortunately, the number of catastrophic events is projected to increase dramatically as a result of climate change, making these “unusual” events much more common. The HazardHub Enhanced Flood Model and Catastrophic Flood Model helps insurers, insureds, municipalities, and reinsurers plan for what happens when a precipitation deluge comes to town. It addresses an important – yet ignored – piece of the existing flood modeling world.”

The HazardHub Catastrophic Flood Model is available today via HazardHub’s lightning-fast API and is no additional charge for all existing API clients.

About HazardHub

HazardHub is your insurance policy against property risk.

Air. Fire. Water. Earth. Man-Made. HazardHub is the only third-generation provider of property-level hazard risk databases spanning the most dangerous perils in the United States. HazardHub translates huge amounts of geospatial digital data into easy to understand answers, providing easy to comprehend risk scorecards that are used to make real-world decisions. Our team of scientists provides comprehensive, and innovative, national coverage for risks that destroy and damage property. With more than 30,000,000 results returned to the market, HazardHub is fast-becoming the industry’s go-to vendor for property and risk data.

To learn more about HazardHub please visit http://www.hazardhub.com or reach us directly at support@hazardhub.com.

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Our high level of consistency and professionalism has enabled TTG to grow exponentially since its founding in 1985, handling more than 9,000 projects in 32 states and 10 foreign countries.

BALTIMORE (PRWEB)
October 21, 2020

At a time when the average worker changes jobs 12 times during his or her career, employees at The Traffic Group in Baltimore County, MD are defying the odds.

A dozen of TTG’s 85 employees have been at the veteran-owned traffic engineering and transportation planning firm for more than a decade, led by President & CEO Wes Guckert and Chief Administrative Officer Don Hayes, both with 35 years of service.

Following close behind at 25 years is TTG Executive Vice President Anthony Guckert, and at 20 years each, Vice President Joe Caloggero, Senior Designer Francine Brownley, Assistant Project Manager (Data) Eddie Monday, and Jon Burford, Don Engles, and Gary Kenley, all a Field Technician II.

Then there is Traffic Engineer Fu-Hsiung (Richard) Huang, who has been with TTG for 15 years, and relative newcomers Thomas Thaxter, Data Analyst II and Shonely Williams, Field Technician II, both of whom have been at TTG for 10 years.

“At a time when most workers devote much of their time and energy transitioning from one job to the next, The Traffic Group has been very fortunate to attract – and keep – a team of highly qualified professionals who have worked together to make TTG one of this nation’s leading traffic engineering and transportation planning firms for the past 35 years,” says the firm’s founder, Wes Guckert.

“That high level of consistency and professionalism has enabled TTG to grow exponentially since its founding in 1985, handling more than 9,000 projects in 32 states and 10 foreign countries,” Guckert continues.

Under Guckert’s watch, TTG has become the largest traffic engineering firm of its kind in the Mid-Atlantic region, as well as one of the largest providers of data collection and traffic monitoring services in the United States.

Guckert has also guided the firm to defy the odds in terms of longevity. While more than half of all small companies close their doors by their fifth year in business, TTG is currently celebrating its 35th anniversary this year.

While Guckert credits TTG’s longevity to its dedication to providing clients with a superior product, practical solutions, and unparalleled customer service, he insists that its devotion to family and community is equally important.

“Since 1985, we have worked to create an environment at The Traffic Group that results in community spirit and community involvement, not only by our corporate officers but by all of our individual team members,” Guckert explains. “That community spirit involves donations to numerous charities and non-profits, from the Believe in Tomorrow National Children’s Foundation to the Carson Scholars Fund to, most recently, the Catch a Lift Fund.

As a Service-Disabled Veteran-Owned Small Business (SDVOSB), The Traffic Group has always made an effort to provide opportunities to those who’ve served the United States. Currently, The Traffic Group employs 16 veterans with a total combined 111 years of military service.

“Bottom line, we believe it is vitally important to give back to the community for which we provide services,” Guckert concludes. “That focus on service is at the heart of all we do.”

About The Traffic Group, Inc.

Established in 1985, The Traffic Group, Inc. (TTG) is a Service Disabled Veteran-Owned Small Business (SDVOSB) traffic engineering and transportation planning specialty firm headquartered in Baltimore County, Maryland.

Through use of sophisticated technology and the in-house experience of more than 80 industry professionals, TTG offers services that help determine road improvements, signal and sign location, lighting plans, land usage, public facility and capacity issues, and security measures. With over 4,000 pieces of traffic data collection equipment, The Traffic Group has the largest inventory of such equipment in the U.S. and conducts more than 100,000 counts for clients annually.

For more information about The Traffic Group, visit the company’s website at http://www.trafficgroup.com or follow them on Twitter @TheTrafficGrp.

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