|Here’s a simple way to increase your agency profits today without spending a lot of time or effort! Nation Safe Drivers has partnered with the North Carolina PIA to provide you with products and services not available through your current auto carriers. NSD not only provides you with the tools to increase your profits but we will help increase your client retention. For more information, please read through our flyer and contact Jeff Rosenbaum at 800-338-2680, ext 205, or email Jeff@nationsafedrivers.com and make sure you mention you are a member of the PIA of North Carolina.
Bankers Insurance Group is providing the following product lines…
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- Homeowners Insurance in non-coastal areas of the state
- BOP products for small business risks
- Flood and Excess Flood in all areas of the state
With GoAgents.com. members have access to 24/7 Online policies and cross marketing:
- Home Warranty
- Appliance Warranty
- Auto Warranty
- Pet Health Insurance
- Watersports Warranty
- Identity Theft
- Learn more about GoAgents.com.
Gridiron Insurance Underwriters is providing the following product lines…
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- An Inland Marine product for small artisan contractors
- An array of liability products
- Other specialty lines
We recommend iTravelInsured for your medical travel insurance.
Yes, you do need travel insurance
By Bill Dismore, Executive Vice President, iTravelInsured
Travel insurance is not a waste of money – just ask any traveler who cancelled a trip or had a medical emergency in a foreign land. Although some forms of travel insurance may be unnecessary, many travelers really need at least trip cancellation and medical coverage.
Certainly some travel insurance duplicates coverage you already have but the fantasy that consumers are likely to receive refunds from suppliers when they cancel a trip—is just that, a fantasy that won’t come true. Some travel suppliers may offer a refund or a voucher if a trip is canceled by a natural disaster such as a hurricane or an earthquake, but be aware that far more trips (90%) are canceled because of sickness or accident, and you won't get refunds for those.
Many big-ticket travel purchases require full prepayment, often months in advance; many of those impose substantial cancellation penalties or even total forfeiture, especially if you cancel shortly before departure.
Any time you face a penalty or loss that's more than you can comfortably walk away from, consider travel insurance. Don't figure a good excuse will get your money back.
Other perils may cause you to cancel your vacation. Travel insurance can provide coverage if you cancel due to a death in the family, a terrorist act that occurs near one of your destinations, a travel supplier bankruptcy, an organized labor strike, a natural disaster, medical quarantine, call to serve on a jury, primary residence is rendered uninhabitable by fire, windstorm or flood, involvement in a traffic accident enroute to a departure point, loss of employment and more.
As to medical expenses, some ordinary health/medical policies, including HMOs, do cover you while you're away from home, even outside the United States. But many don't, and even when they do, you may have a stiff deductible or co-payment penalties. Check your health insurance plan.
Medicare never covers foreign travel, and the foreign-travel benefits of Medicare supplement policies "C" and higher are limited: 80 percent of emergency medical treatment costs, with a $250 deductible. Seniors dependent on Medicare who travel outside the United States should, therefore, consider the emergency medical coverage. Credit cards may provide some very limited travel assistance services, but always read the fine print so that you understand what you have.
Travel insurance includes emergency travel assistance services that are invaluable if you suffer an emergency while traveling abroad. Would you know which doctor, clinic or hospital to go to in a foreign country? Do you know how to replace a lost passport? Who would you call to arrange for medical transportation of a seriously ill relative back home?
Yes, travel insurance is worth the cost, just ask those that travel often.
If you are interested in obtaining more information or a quote visit iTravelInsured located in the Miscellaneous Market section of our website.
For those agents that need a market for Farm Owners & valuable Animal coverage, go to Livestock Mutual website or call the 1-800# listed. Livestock Mutual will write Farm Owners and especially Animal Mortality on Equine (Valuable Race Horses including thoroughbreds and other horses, Paso Finos, Tennessee Walkers etc.), Alpacas, Exotic Animals (Camels, Zebras, Giraffes and other exotics), Cattle (High priced bulls, cows, herds). Livestock Mutual is licensed in most states and has E & O through Utica Mutual. Call 1-866-586-7978, email@example.com or visit their website at www.livestock mutual.com.
then go to www.nasinsurance.com. Another member benefit from PIANC.