Insurance Umbrella Policy – A Complete Buyer’s Guide

Insurance umbrella is the best policy when it comes to providing additional liability coverage for legal claims and other out-sized grievances against the property owners and vehicle insurance policies. When the other liability insurance policies lapse it is time for the insurance umbrella policy to kick in and adjust the difference by making up for it. The claims which are not covered by the property or vehicle insurance are also covered by this policy.

There are different values of an insurance umbrella policy which ranges anywhere between proximately one million dollars to ten million dollars. The coverage amount on these policies is high but so is the amount deducted this in turn makes the premium of this policy highly affordable.

Important Points From The Buyers Guide:

1.The most important thing that you are required to do is gather all the important pieces of information on your home or vehicle insurance policies. This includes the contact numbers and the liability coverage provided by the insurance this will help in the easy verification of facts.

2.You are required to synchronize your existing home or vehicle insurance policy with the insurance umbrella policy. This is important because an umbrella policy comes in use after your previous policies gets exhausted.

3.Dealing with a single company is an advisable thing to do because it reduces the bother of having to deal with numerous companies who will argue over the issues of liability responsibility. Thus choose the company which serves you first.

4.It best to do some research before buying this policy. Contact various different companies and take an estimate from them on the umbrella policies they provide this will give you the benefit to compare and contrast the estimated amounts and then choose the one which suits you the best.

How Insurance Gurus Are Using Facebook For Leads

I know, you think online marketing is only for those strange network marketers and video geeks, right? However, now more than ever, small business owners are coming online to social networking sites like Facebook and Twitter to spread the word about their brick and mortar business or LLC.

Take our friend Bob (real name hidden to protect his identity;-) for instance. He has discovered the power of Facebook for promoting his independent insurance agency. Any connections he makes on Facebook are instantly exposed to his business without costing him one red cent.

Another great way business people from all areas are promoting their businesses through internet portals is with the free blog. This is an incredible weapon when used as a hub for all internet marketing activity. Here is how they use it:

1. Get free self-branded blog

2. Add valuable content

3. Put up a lead magnet so you can keep in touch with interested prospects

4. Make connections on Facebook, build relationships, casually advertise your business, and direct them to your blog

5. Enjoy the sales!

These are only two of the many options available to any business person online. No matter if you are a carpenter and need local leads, or owner of a global shipping operation, these two free marketing methods will have you on your way to more exposure, leads, and sales.

Do you have any other marketing advice for entrepreneurs of any industry? Leave a comment!

For more great tips and advice from real people making real money online with many strategies, pop your e-mail below for our FREE 10 minute marketing consultation.

5 Simple Steps To Start An Insurance Agency Blog

If your insurance agency has not yet started on an integrated insurance agency blog, your agency should consider these basic steps to move forward, and do so quickly. Insurance agency blogging is not an option, it is a necessity for the future marketing success of your agency. As younger buyers enter the business mainstream, they will derive much of their information from website content and blogs. At a minimum, your agency should have one comprehensive blog on your insurance agency website, but optimally, you should embrace this opportunity and have multiple blogs to ensure your agency is leveraging this competitive advantage.

1. Create an integrated website blog and add relevant content for your target market. Post at least twice each week and make the postings concise. If additional content is required for each post, link to an internal website page where the posting is continued (think of it as the front page of your electronic newspaper).

2. Add widgets to your website blog to make it easy for web visitors to share your blogs. Have your key social media icons for Facebook, LinkedIn, Twitter, YouTube, Buzz, Digg, StumbleUpon, Delicious, Etc. prominently displayed. Make sure you have an RSS feed available and a simple and easy subscribe box for your blog. Tweet, Digg and Buzz your own blog – this will help move our content into cyberspace.

3. Showcase your keywords in your blog. This doesn’t mean you should be keyword stuffing, but you should be able to create content which touches upon those keywords most important to your agency. For example, New York commercial insurance, Texas Fleet Insurance, and Midwest Group Health Insurance are all long tail keywords and can readily appear in an applicable blog article. Target 6% keyword density of your trophy keywords in your blog. For example, it your long tail keyword phrase was Professional Liability Insurance, this phrase should appear once for every one hundred words used in your blog. Though the keyword density formula is a little more complex than this, the example offers and adequate approximations.

4. Content, content, content should be your mantra. Make sure your content is relevant, educational and succinct. It’s alright to have the occasional “sales pitch” in a blog, but the essence of the blog should be educational in nature. Blog postings should be diverse but applicable to your target market. Stay away from controversial topics like politics but feel free to use topics other than insurance. For example, for a B2B oriented agency, you can write about OSHA, tax changes, healthcare regulations, CSA 2010, HOS, enrollment changes, and other topics germane to your target audience.

5. Don’t stop blogging and consider adding a vlog. A key to blogging success is consistency. Blog regularly, even if your blogs are short. Blogs can announce webinars, offer a quick review of a business book you read, mention a fund raising event you just attended, offer a link to a government website (new IRS regulation), discuss a nuance of PLI insurance, or link to a great article you just read. It can direct readers to other areas of your website or to other groups within your agency. Vlog (video blogs) add another dimension to your blogging. They are interesting, sticky, can be posted to YouTube and showcase your agency information. Once you’ve mastered your insurance agency blog, add an insurance agency vlog.

Remember that blogs should not be about selling insurance. They are to be used for education and elucidation. Offer interesting, relevant and compelling content and watch your blog views climb. Prospects who visit your site and find your content valuable, will be more likely, or at least more open, to engaging with your agents for your services. If your agents lack the resources or know how to blog, you can outsource the entire initiative to a reputable insurance marketing agency, or add it as a component to an insurance agency social media marketing program, which can also be outsourced.

Investing in Health Insurance Policies

Gone are the days when people were not willing to invest in insurance policies. These days’ people have come to realize the importance of insurance. You never know when you are going to fall ill suddenly. If you do not have back up on insurance resources, the medical bill can simply leave you bankrupt. So having a health insurance policy is necessary. It will at least save you from the financial crunches that people face when they suddenly fall ill.

Once you make up your mind to buy a health insurance policy there are several things to keep in mind. Considering various aspects will help you to choose the right policy. The best way to select the right policy is to compare various policies. When people tend to jump for the policy they come to know about at first. However, this is a wrong way to go. You should check the quotes offered by different companies and then select the one that best suits your need and budget.

Choosing a health insurance policy can seem to be a daunting task. You will find many people who buy a policy quickly only to discover later on that he or she could have bought a more cost effective policy. However, the person has not researched thoroughly before buying a policy and as a result, he or she has invested in the wrong policy.

When you decide to buy a health insurance plan, just go online and do a little bit of research. Other than visiting the websites of different insurance companies, you can also go through insurance blogs. This will help you to get an idea about the health insurance pros and cons.

Many insurance guides are also available in the market. You can also go through these guides. Seeking help from an independent insurance agent or adviser is also a good decision. Keeping these few things in mind will help you to buy the best policy.

Know The Insurance Types You Need For Your Business

Like a human life too, every business need protection from extraneous conceivable risk. You as a business owner must discuss your specific business risks and the types of insurance available with an experienced insurance agent. Since cost and amount of coverage of policies varies according to business need, you as an insurer have to take advice on the types of insurance to purchase.

Following are the insurance types you can choose from:

Business Owner’s Policy (BOP): Through an affordable premium you can bundle property and liability insurance together. The coverage is broad and applicable for small businesses with 100 or less employees.

General Liability Insurance: It would protect your business from liability exposures arising out of accidents at your business place, from the operations of the insured or contractual liability.

Product Liability: If you are the manufacturer, wholesaler, retailer or distributor your product can be liable for safety. It can save you from any financial loss resulted by injury during use of defective products. It also depends on the type of product you are selling or manufacturing.

Professional Liability (Errors & Omissions (E&O): This insurance protects your business against malpractice, error, negligence in service provision to your customer etc. Physicians and insurance agency generally purchase this type of coverage.

Directors & Officers (D&O): This is to protect directors and professors from liability claims because of alleged errors in judgment, violation of duty, and wrongful acts.

Property Insurance:Commercial property coverage includes loss and damage of company property due to fire, smoke, wind and hail storms, civil defiance, and wreckage etc. The protection options also involve lost income, business interruption, buildings, computers, company papers and money.

Workers’ Compensation: This insurance would pay you benefits and arrange medical care to injured employees on duty. Even the dependents of the employee, killed by occupational accidents also come under benefit program.

Business Automobile: Vehicles used in business like private cars; pickups, light vans, and sport utility vehicles can be insured much like your personal automobile. Hence for your business car you can avail of Car Insurance Kingston and save the losses.

Home-Based Business Insurance: If it is your home based business, you may add riders to your homeowners’ policy to cover normal business risks such as property damage. You may need to buy additional policies to protect general and professional liability.

Umbrella (Supplemental Liability): This is a separate policy over other basic liability policies. As additional liability coverage of primary policies it would help you to attain high limit coverage.

Business Interruption: If your business is facing temporary shut down resulting from fire or other insured threat this insurance will provide reimbursement for loss of profits and other ongoing expenses.

Deciding Factors for Motorbike Insurance

When you do motor cycle insurance make sure to get well informed from insurance resources about it, the key deciding factors are your age and your driving record. If you are younger in age the chances are you have higher insurance rate. If you take DMV training then you will get a certificate for completing your motor cycle training class successfully. This certificate will help you to lower the high insurance rate.

The place of your residence is another deciding factor. If you are living in a place of high crime or accident-prone zone chances are you will have higher insurance rate. The way you are keeping your motorbike adds value to your insurance policy, like storing the vehicle in a garage having a burglar alarm on it or the garage important deciding factors. It is natural that any insurance company will add high interest rate if your vehicle remains parked in open and unprotected place.

If you are doing a motorcycle policy online then make sure to mention to the agent who is dealing with you online, how frequently you ride your motorbike. In certain regions, there are specific riding season and non-riding season; if your agent is aware of it then he will also know you have driven it less during off-season so the rate of the insurance also goes low.

Also, remember not to over insurance your motorbike because you will get the price within the market value of your motorbike and not above it if you meet with an accident. Your motor cycle insurance will be different from other four wheelers just because the risk involved in riding a motorbike is higher. Look up the insurance guides to get various quotes from different companies because they will view you differently as a rider each time. Make sure that the quotes you get are of reasonable rates and cover you to the maximum extent if accident occurs.

Prospect for New Clients With Your Own Insurance Blog

Share Your Knowledge and Professional Advice

One of the newest ways to network for qualified prospects is by publishing your own insurance blog on your Facebook and LinkedIn pages. It’s not only fast and easy, but it’s also free – and it’s been proven to work.

Because people really do read the posts you put up on your Facebook and LinkedIn sites.

What’s more, they pass them along to all the people in their own network for you.

How to Write Your Own Insurance Blog

Most agents think that writing a blog takes a lot of time and requires good writing skills – but it really doesn’t… IF you simply write about what you know in an honest conversational manner. To begin with, your weekly blog needs to be no more than 200 or 300 words. And it can take as little as ten to twenty minutes to write and publish – just once a week.

When writing a blog, write just as you speak. Let if flow on paper as if you were talking with someone in person – face to face. Don’t worry about grammar – just write.

Once you do it, you’ll be surprised at how easy that really is.

And don’t explain various types of coverage in your insurance blog, or use insurance jargon. Don’t even use insurance terms or technical references. Write as if you are talking to a friend on the phone, or sitting across a table over a cup of coffee.

Think of your insurance blog as “sharing a thought” with your clients and prospects. And always conclude your blog with some sort of “call to action”.

Examples of Insurance Blog Topics:

Biggest Mistake People Make With Their Homeowner’s Insurance
How Health Care Reform Will Affect You
What Alternative Do You Have to Low Interest Rates on Bank CD’s
Why You Need to Insure Your Monthly Income
When it Makes Sense to Compare Rates on Term Life Insurance

Examples of Opening Line Ideas to Get You Started

I was talking with a new client yesterday… (and discovered that she was paying more for her _____ than she should be)
I recently helped one of my clients process a claim… (and here’s what happened)
I read an article last week on how the average person is investing for their retirement… (and was surprised to learn _________ )
Got a call from an old client of mine a few days ago, asking for a quote on his __________ coverage… (and was able to save him $xxx)
One of my business clients recently referred me to another small business owner who wasn’t happy with her company’s employee benefits package… (and wasn’t getting much attention from her current agent/broker/advisor)

Examples of Insurance Blog “Calls to Action”:

Call Me for a Quote on Term Life Insurance
Click Here for a report titled “Protecting Your Retirement Income – Guaranteed”
Find Out if You Qualify for a Good Driver Discount
Get an Assessment of the Gaps in Your Health Coverage
Click Here to Watch a Short Five Minute Video
Email Me with any Questions You Have Regarding Your Insurance (or Retirement)

Set Up Your Insurance Blog

You have many choices (most free) of blogging platforms to choose from. The top 5 I recommend are:

Blogger – a Google owned blog platform that is very quick and easy to setup
Tumblr – more of a “micro-blog”, which is a cross between a blog and Twitter
WordPress – most popular and well established blog platform. Has tons of features and plugins…
SquareSpace – commercial blogging platform starting at $8/month
Posterous – easy to use “email-to-blog” system. Create new posts by sending emails…

Most, if not all of these options, allows you to easily post your blogs to your Facebook and LinkedIn pages.

Dan ViƱal invites you to learn how WebPrez videos can be included in your blog posts – to help you develop more of your insurance leads into long term profitable client relationships. Visit to preview our 30+ videos on different insurance concepts to show your clients and prospects.

Using Your Blog to Attract Insurance Prospects

As I said in a previous article, Get in My Business! Using a Blog to Attract Customers”, to be successful you have to first show customers the benefits of doing business with you as an insurance agent. You do this by focusing on delivering value and building relationships with your prospects. A blog can help you do both. This is called Social Media Networking – using social media to network with new clients and develop active relationships.

The insurance industry is notoriously slow to adapt to change, yet the more progressive carriers are now incorporating social media as their way to interact and reach the public. Insurance companies are not only doing the obvious, such as providing new channels for customer service and support, establishing claims “hotlines,” and utilizing the marketing and communication capabilities to achieve better brand recognition, they are also beginning to explore ways social networks can be mined for information critical to the underwriting process, for conducting pre-employment screening, and running background checks on potential employees and policyholders alike.

Insurance agencies are still trying to figure out how to achieve an ROI from implementing some sort of a social media program. But, there are agencies that are figuring this out and have put in place a very successful interactive agency website that connects them with their community.

The door is wide open for the individual agent to market themselves through social media as the insurance expert in their community and search for business outside of their territory. The way that this is done is through branding their name online with a blog or website. Blogging is one of the easiest ways to share information on the things that you want to talk about. Those articles will begin to brand you as an insurance expert. There are an unlimited amount of topics that most agents can easily write about and use as a chance to educate the customer. People are using the web to find information and very likely they could find the information on your blog.

It is important to show your visitors that behind your blog is a living, breathing person ready to understand and meet their needs. Put your picture on your site and write a bio that lets visitors get to know you both as a person and a professional. They may connect with you just based on similar interests and your college.

Your website puts you just a click away from your customers at any time. Put resources and links on your site that educate customers by creating a resource tab on your site. Make sure they know they can always reach you online. Remind them that are you are there to help them. Relationships go a long way in keeping a customer. Your goal is to show your prospect or customer that you can meet their needs.

15 Insurance Blogging Topics

1. Advantages of the Independent Agency System vs. Direct Writer
2. Your primary area of expertise i.e. commercial lines, personal lines or benefits
3. Different exposures and policy solutions
4. Why price shouldn’t always to the deciding factor
5. Your target marketing program
6. Risk management topics
7. Loss control & safety issues
8. Catastrophe protection and mitigation
9. What to do if they have a claim
10. Your service proposition
11. Successful claims resolutions
12. Certificates of Insurance requirements
13. How to reduce premiums/ cost containment
14. Comparisons of Group/ Benefits
15. Discuss under-insurance

The list is really endless, but the point is that insurance agents are professionals with a lot of knowledge that seldom gets used in front of the client. A blog really provides a way that you can stand out from the other competitors.

Community Involvement: As a normal part of their networking, many producers are active in the local communities. Some insurance agents have identified social networking platforms as the perfect way to highlight community involvement, showcase charitable activities, and promote themselves as upstanding citizens, all the while building a profile with local residents as a trustworthy resource. Keep in mind, insurance is an industry built on trust, and in times of economic strife, the age-old question, “Who you gonna call?,” becomes important once again. Agents with deep ties to the local community will have a competitive advantage.

Your blog should highlight your charity and community work. People like to see this and you can drive people to your site just by your community involvement. It is all about actively engaging, not directly selling.

Don’t be afraid to be a real person on your blog. A blog is great way to share your other passions in life with your readers. You can talk about your community activities, your family, charities you support, and your goals for your business. Although the majority of the information on your site should be business related, including posts about other things in your life will make it easy for readers to relate to you.

Email Marketing: Because you are creating content by writing articles on your blog you can easily email those same articles to your prospects and current clients. We used to call that a newsletter in the “old days”, but now you can drive this list to your site to read your relevant article. It may be the exact information that they were curious about and while on your site they may take the time to click on other information that reinforces your brand as an insurance expert.

SEO/Search Engines in your insurance blog: It is important to keep Key Words in mind as you write your articles. Internet search engine activity is driven by keywords, the words or short phrases that Web users enter to find the information they need. Therefore, effective search engine optimization begins with extensive, yet focused research to select keywords that will attract qualified traffic to your site. If you have a Target Marketing Program for Dentists, for example, you would want to come up during a search by the consumer seeking insurance for dentists. Prior to internet marketing, expanding your market countrywide would have been a difficult task and costly to advertise. Now, you could simply write about your program to get the message out.

Integrating with Facebook, LinkedIn, & Twitter: Your blog is really your home base for social media. Articles can be shared through your Facebook, Twitter and LinkedIn to expand your social network. Make it a habit to create one new piece of content on your blog a week. This can be anything from information on a product to a useful resource to an educational article. Your site will consistently grow with time, giving your visitors a reason to come back and increasing the number of search keywords your site will be indexed for.

With the help of your blog, you can create a unique identity, distinguish yourself from your competitors and promote yourself as the expert in the insurance industry in your community. Using a blog to attract customers is a great marketing tactic that only becomes more effective the more you use it. Focus on providing value and building a relationship with your prospects and watch your business soar.

Debbie Russell is a marketing veteran who provides tips and tools for attraction marketing, social media marketing and building your reputation online. For more advise on how to brand your business for success, visit her website at []. For a turnkey branding system that puts your name on the Google map quickly and easily, visit My Branding System ( [] ).

To Blog Or Not to Blog – An Insurance Agent’s Dilemma

Most insurance agents approach blogging with these thoughts:
“Great, something else to do.”
“What a pain.”
“I need someone technical to do that”

I can TOTALLY understand. I was told about two years ago to create a blog and I just flat out refused for a long time. Even my 15 yr. old would tell me that if I want more business online that I need to blog and get into social networking (I really need to hire him someday!). I finally decided that 2009 is my year to get my mind around reaching out to my clientele through the internet and I realized that blogging and social media is really very similar to the same things I do every day. They are just in electronic format.

I enjoy journaling. My business coach tells me to journal and all the business ownership conferences tell you to write down your vision for your business. I take notes at conferences and when I attend any educational opportunities. I take notes when I am on the phone with clients. I write emails over and over explaining insurance and what all the sections of a policy will cover. If you are like me, blogging is just doing all of this on the internet. When I realized this, I started pulling out my old journals and it encouraged me to start publicizing my writing for my clients benefit. When look at blogging from this perspective it makes sense and you realize that it really can be easy.

1.Do you answer the same questions over and over again every day? You can create a tag (label) in your blog specifically to link your entry with “education” and you can address these questions that you answer every day. Tag all auto insurance articles with the appropriate tag of “Auto Questions” and your clients will have a section to read about all their auto insurance questions online. Refer your prospects and clients to your website and they can find answers to their questions at their own convenience. Most agents would have 20 blog entries at minimum just from the questions most frequently asked.

2.Do you keep up with industry changes and information? This information is important for your clientele to keep informed about. State minimums for auto insurance changed last year in the state of Texas and it was important information for our clients when their coverage’s changed. A great idea is to send out a newsletter every month highlighting these changes as a resource for your prospects and clients to read and refer to their friends which will increase your agency’s exposure.

3.Announce changes in your office or any community involvement: Use your blog to update clients about changes going on in your office. Post notices about personnel changes, any speaking engagements, and community activities, changes in operations or changes in office hours. I have some agents that get their staff involved in 5K’s for charity and they post links to these online and post pictures. The activity builds community in your office, the blog adds to your connection between your office and your community. If you participate in your local chamber of commerce you can post your participation there and a lot of these businesses will link to you in return. This will increase your exposure in your community as well.

4.Don’t think that a blog has to be really long: Effective blog entries can be short and to the point. If you are updating announcements or making one brief point or linking to something of interest the entry should be short and sweet. Feel free to post articles (like this one) that are more lengthy, but even articles should be no more than 3-5 points of interest and easy to scan to get the highlights.

5.Attract more business to your agency: This is a no brainer. We all want more business. These days consumer’s shop for everything online. People research cameras and computers online before they buy them, we can check our kids grades online and shop for tickets to various events. The internet isn’t going anywhere. We need to access this market to generate business for our agencies as well. Agents are paying $15-$20 per lead that they receive from online lead sources but they see $500 and maybe 2 hours a week to invest into their own website as too much of an investment. Blogging is not “playing around on the computer”. Embrace the internet as a communication and marketing tool for your agents. I know MANY agents who are using social media, blogging and taking leads online who are writing over 30 policies a month just from online business. Your online presence isn’t going to be an option for long and to neglect the ability to generate business online will eventually cost your agency a lot of money because otherwise you will end up paying someone to do it for you.

Seriously consider blogging. It isn’t difficult and it’s an easy way to develop connections within your community. Once the set up of the blog is complete, the rest is just making two or three entries a week for consistency and keeping interest in your site. Consistency is the key in blogging and blogging is the key to reaching out online to your clients.

Insurance Agency Vlogging – Staying Ahead Of The Insurance Marketing Curve

Insurance Agency Websites, SEO, SEM, Social Media Marketing and Blogging – there is certainly a lot to keep up with these days in terms of staying current and reaching a given target market. Agency target markets can be horizontal (businesses between $1 Million and $10 Million in sales), vertical (transportation companies and owner operators), or extremely broad in scope (personal lines for example). Insurance agency marketing should funnel content toward a given target market. A primary step toward this goal is the creation of a quality blog. Once that is accomplished, and to ensure an agency remains ahead of the curve, agents should seriously consider vlogging as an important addition to their insurance agency web marketing strategy.

A vlog is a video blog, and vlogs are on the cutting edge when it comes to insurance agency web marketing. Vlogs can, and should, be short video clips, no more than one minute in length. They must of course look professional, with good sound quality and image, and should be posted to an insurance agency website, often in close proximity to the agency blog(s). And for agencies seeking to extend their reach, or wishing to take their vlogs to the next level, vlogs can be posted to a dedicated YouTube channel. YouTube will help with insurance agency SEO and search marketing optimization. Now, at this point, many agents might be asking themselves, “Is this really necessary?” Though vlogging is not yet requisite, it is both important and helpful for the following reasons:

1. Nothing ever seems necessary until the day that an agency realizes they are the only one not doing it. Ten years ago, many agencies scoffed at “needing” a professional website to compete. Today no agency can be without one. Soon, the same will like be said for SEO and Social Media Marketing. Vlogging will be no different, and as a younger generation of Facebook and YouTube centric buyers will soon make the buying decisions, vlogging and video will become part of the basics of any given insurance agency web marketing program.

2. Vlogging will help improve insurance agency SEO. Video content on an insurance agency website can help improve SERP rankings. This SEO boost increases proportionately if combined with an agency YouTube channel – YouTube is the 3rd most highly ranked and indexed site in the world. YouTube is increasingly used by businesses to target their prospects in the places where they spend the most time. An agency is missing a very good (and free) opportunity if they do not have video content on YouTube.

3. Vlogging and video offers a competitive edge for many agencies. In a time when it has become increasingly difficult to distinguish one agency’s offerings from another, vlogging and video can help deliver content in unique and professional way. Imagine a scenario where a producer from Agency A, and from Agency B are both after the same prospect. Agency A’s producer hands the prospect a business card and a lengthy paper brochure. Agency B’s producer pulls out an iPhone and shows the prospect a professional 30 second vlog of a current client raving about their agency solutions. Which agency has the edge?

4. Video is cool and interesting. There is no other way to put it – we live in a video obsessed culture, and no amount of print, copy, or speech can match a professional video. Generation X and Y are going to seek information in different ways than traditional marketing was targeting two decades ago. It’s critical that agencies adapt their strategies to match the wants, needs, and expectations of a new generation of buyers.

The only constant is change when it comes to marketing, and insurance agency web marketing is a logical extension for any successful agency or broker outreach program. One of the latest tools in the marketing toolbox is a vlog, it’s better to consider adding this capability sooner rather than later.