by Brian Lindamood, Manta Content Director
Networking with other business owners used to be straightforward: You could join fraternal clubs, trade or social groups, get involved in community causes or local events, and build lasting relationships with others in your community. When a potential client needed to discuss their coverage needs, they already had your number.
While these connections are still important, they are no longer enough. Today, “networking” for insurance brokers just as often means digital networking, and it starts with a robust presence on search engines and social media platforms.
Don’t be intimidated. Many of these tactics are new — and sometimes it seems that they’re constantly changing — but it’s not hard to get started. By following these tips, you can build your digital network and learn how to connect with other business owners online.
Make Sure Clients Can Find You With Local Search
Imagine, 10 or 15 years ago, a business owner saying they didn’t have time to list their telephone number in the phone book. Crazy, right? They’d certainly have plenty of time on their hands when their phone stopped ringing. Yet that’s the attitude many now have about online listings.
A recent Manta poll found that 48% of small business owners are not interested in boosting their business’ visibility on Google, with nearly half saying they don’t have the time or money to devote to search engine listings.
If you don’t have a website, you might think you don’t need to worry about search engines. You just want phone calls. But the solution is the same: Many phone calls start with an internet search to find a number, either with a smartphone or desktop computer.
Simply put, search engines like Google are how clients find you—your website, your business address, or your phone number. If you don’t spend the small amount of time it takes to claim and update your online listings, you can expect your phone to stop ringing eventually.
Fortunately, it’s easy to fix. The most important first step is to search for and claim your Google My Business listing. If you don’t have a Google listing for your business, you can create a new one. Once you’ve claimed your listing, you should correct any errors, add important information like your business hours and a description of your business, and, if you have a storefront, add photos of your location.
Best of all, once updated your business listing info will be populated throughout Google’s many platforms: Google search, Google’s local listings, smartphone searches and Google Maps. It’s the best way to ensure that potential clients in your community can find you whenever they’re searching for a nearby insurance broker.
Connect With Business Owners On Social Media
The benefits of social media may be clear for consumer-oriented businesses. You expect to see restaurants and retailers on Facebook and Instagram. The opportunity for business-to-business service providers like insurance brokers may be less obvious, but social media can be an effective way to meet new clients.
Starting with LinkedIn will typically yield the most success. The professional-oriented network is a great place to promote your expertise and connect with other business owners.
When you create a LinkedIn profile, use relevant keywords like “disability insurance,” “ancillary benefits” and “group life insurance” to describe your skills and experience. This will help local decision-makers find you when they’re searching for the services you provide.
You can search for and connect with your current clients, friends and associates, or import contacts from your address book. Once connected, you’ll be able to see their connections—friends of friends and your clients’ associates. Ask them for an introduction! This is one of the easiest ways to get a referral directly from a current client to another business owner.
Finally, promote your expertise on LinkedIn by posting links to articles, commenting on industry trends, or writing your own posts with your advice and observations on insurance-related issues. This is a great opportunity to demonstrate your expertise, share advice with current connections and get the attention of new clients.
Digital marketing tactics like Google listings and LinkedIn profiles may be new, but the goal of marketing remains the same: Like the networking you’ve always done face-to-face in your community, digital networking allows you to connect with other business owners, demonstrate your expertise and get found by potential new clients.
Bio Brian Lindamood is director of content for Manta, one of the largest online resources dedicated to small business. Manta educates, coaches and empowers small business owners to succeed on their own terms by helping them compete, connect with customers, and grow their businesses. You can reach him on Twitter at @BrianLindamood.
by Michael Cohen
If you’re an insurance broker or a business owner in New Jersey or across the New York Tri-State area, this month brought some breaking news you should be aware of. And no, it’s not about the election…. In fact, it relates to mandatory TDB insurance, a product with potential to earn insurance brokers more money.
What You Should Know About NJ TDB Insurance
The State of New Jersey Department of Labor and Workforce Development has increased the cap for mandatory Temporary Disability Benefits (New Jersey TDB) and Paid Family Leave up to $633 per week, a modest increase of $29 per week. The Taxable Wage Cap increases to $33,500. And the employee contribution portion of the premium increases by 20 percent. These changes are slated to go into effect January 1, 2017.
The increase also affects New York, Pennsylvania, and Connecticut businesses with employees who reside in New Jersey—as well as businesses across the country that may hire telecommuters. These companies are required to pay NJ TDB insurance premiums for their employees based in New Jersey.
What This Means to Employers and their Employees
The TDB Insurance increase sounds like a good thing: It means a few extra dollars for workers who are out due to an illness or injury that is not work-related or for someone who has just given birth. But the benefit increase also brings a premium increase of 20 percent, to be covered by employees.
TDB is a shared-cost benefit, where the employee pays a portion of the premium and the employee covers the balance with pre-tax dollars. Benefit premiums often become a part of salary negotiations for highly valued employees. Lower premiums may also aid in recruiting top talent in highly competitive fields. With many businesses and their employees still reeling from health insurance premium increases as a result of the Affordable Care Act, employees may not be happy to hear about a NJ TDB premium increase—especially for a mandatory benefit they might never use.
What This Means for Insurance Brokers
Insurance brokers in New Jersey (and beyond) do have choices when it comes to who writes your customers’ TDB insurance policies. By helping your corporate customers buy TDB insurance in the private market, you can save them thousands of dollars per year—hundreds of dollars in savings per employee—depending on the size of the business.
How You Can Earn 10 Percent Commission Selling TDB
If you are already writing your customers’ P&C insurance policies, health insurance, ancillary benefits, or life insurance, you can shift their State Fund TDB coverage to a private carrier, earn a flat 10 percent commission, and provide your corporate customers substantial savings when they bundle insurance.
You’ve already established the relationship, so you don’t have to invest time and money prospecting for new customers. With a few simple phone calls, you can save your customers money and provide them enhanced value—and earn 10 percent commission.
Selling NJ TDB insurance requires a level of specialized knowledge—and that’s where The DBL Center comes in. Give us a call and supply one of our agents with the group’s Fed ID # and main address location, so we can determine where the account is currently placed. Whether it’s with the State Fund or a private insurer, one of our agents will tell you exactly what to say to sell privatized TDB insurance and save your customers money on their premiums, while receiving the exact same benefits if they need it.
Business Owners Have Choices
The State Fund automatically writes TDB insurance coverage for all business owners. But most business owners, CEOs, CFOs, and HR directors don’t realize they have a choice and can purchase their TDB insurance privately to enjoy lower premiums and a higher level of customer service with a broker they already know and trust.
It’s up to you, the broker—with the constant support of The DBL Center’s expert staff—to share this information and show your customers the savings.
Sell NJ TDB Insurance, Earn Commission: It’s that Easy
Adding private TDB insurance coverage to your offerings is easy with The DBL Center by your side. We even have a website set up to assist. Visit www.eztdb.com for more information on how you can expand your book of business with TDB insurance. Simply print and fill out this form to start providing your customers with lower premiums on TDB insurance and the level of white glove service they deserve.
Are you planning a holiday party for your hard-working employees? Whether you’re the head of HR or the owner of the business, there’s a lot of pressure this time of year to create a holiday celebration your employees will love. A holiday party is a great way, after all, to thank your employees for all their work throughout the year, as well as to showcase the strength of your organization. After all, if you can afford a high-end venue and top-level entertainment, the implication is the company is doing well and your top talent can feel secure in their positions.
Even if you aren’t in a position to break the bank with your holiday festivities, you can still make it look as if you invested in the best. Trust us – here at The DBL Center, our employees and their spouses talk about our parties for months after the event. We aren’t extravagant and we certainly don’t waste money. But we maintain the same white-glove ambiance we’re known for providing our customers, and we throw a party to remember.
But wait – we know what you’re saying. It’s only October! To give your team the opportunity to book the best—from the venue to the entertainment—it’s not too early to start the party planning process now.
Choose the Right Venue
Select a venue that reflects your company culture, whether that’s a microbrewery or an elegant banquet hall. Where will your employees be most comfortable? Make sure to book a room that’s large enough to hold your whole party… Consider last year’s attendance to see what percentage of employees will show up.
Select an Appealing Menu
Just like the venue, the food should reflect your employees’ tastes. Is a Vegan, raw-food craze going around your office? Does lunch lean toward ethnic cuisine? Unless you run a small office where you may be able to find a consensus for some unusual choices, it might be best to pick a varied menu with something for everyone, from vegetarian options to prime rib.
Book Entertainment That Will Wow the Crowd
All that’s left is the entertainment. A DJ or band is always the old stand-by when it comes to holiday office parties. But a successful night then rests on having a group of people who want to dance.
Why not consider a comedy act, instead? Your guests will be riveted—and will brag to their friends about how their office party had the best comedy show. Laughter can even help individuals bond, so you may find your employees growing closer through the night. Those bonds of friendship will last into Monday morning and into next year.
A Way to Thank Loyal Customers with a Memorable Gift
Through our partnership with Steiner Sports, The DBL Center now offers celebrities bookings—including sports stars and top comedians. We can set it up for you with just a phone call. It’s one way to make sure your holiday party stands out.
If you are an insurance broker with a client you want to thank in a big way, you can offer to book a comedy guest for their office party. It’s a gift that will build loyalty and friendship. Your customer—and their employees—will remember it all year long.
Here at The DBL Center, disability insurance is just the beginning. Our goal is providing white-glove service to our brokers and their customers in every way we can.
In the months since our new website launch, we’ve used these blog pages largely to share tips and trends with insurance brokers, HR directors, and company owners. But we have some developments going on here at The DBL Center Ltd. that are just too exciting not to share.
Newly retired New York Giants punter Steve Weatherford took time out of his busy schedule to share with you the many benefits of doing business with The DBL Center for your mandatory disability coverage and other employee benefits packages.
We’re understandably excited about this video. Here in the New York Tri-state area, Weatherford is a well-known sports hero, having punted for both the Jets and the Giants. A self-proclaimed husband, father, brother, philanthropist, and NFL punter (in that order), Weatherford is known for his kind heart, as well as his devotion to both weight lifting and his family (not necessarily in that order).
A New York hero willing to assist local businesses and help friends, we’re honored that he chose to lend his name and face to this DBL Center video and share with you the many benefits of doing business with us.
In this video, Weatherford also helps us put an exclamation point on a very important announcement. The DBL Center has partnered with the number one sports memorabilia and collectible company in America, Steiner Sports, to bring DBL Center customers exclusive sports and comedy star appearances, signings, and more. Steiner Sports specializes in helping companies use the power of sports to grow their business —and The DBL Center now brings that power to our insurance brokers and their customers.
Insurance brokers in the New York Tri-State area and beyond can attract new business through entertainment-centric networking events, thank large or loyal accounts, and plan company parties or fundraisers to remember, all through this value-added service offered by The DBL Center. Just contact Michael Cohen to coordinate a celebrity appearance through Steiner Sports.
Professional athletes have a unique responsibility to ensure they are planning, financially, for the future after their career or in the event of an injury. In Weatherford’s case, this includes not only maintaining a certain quality of life for himself and his family, but continuing with his philanthropic endeavors after retirement.
But whether you are making seven figures in one season or a more modest salary, enhanced DBL coverage and other ancillary benefits—including Group Life / AD&D, continuing care insurance and a 401K retirement program—can help give you (and your customers or employees) peace of mind for the future.
From your next corporate event to your retirement, (and anything in between) find out how you can plan for a more successful future with The DBL Center today. Disability insurance is just the beginning….
Smart business owners and HR professionals look for ways to reduce health care and other insurance premiums. And the best brokers want to assist in these efforts, too. After all, reduced premiums and better coverage creates happier, repeat customers. If you’re an insurance broker and aren’t providing your customers with the lowest rates possible on mandatory disability coverage and ancillary benefits, including dental, vision, and life insurance—they will shop their policies elsewhere to find a lower rate and/or better coverage.
One way to keep insurance rates low for everyone is to reduce the number of claims. Which brings us to a point you may not have considered: Did you know that happier employees are also healthier employees?
We’re going to take this one step further, so stay with us here. Daily laughter has been shown to boost immunity, help prevent diseases, and even reduce chronic pain.
Let’s look at three ways daily laughter can help create healthier employees (who, as a result, might make fewer disability claims due to chronic pain or disease).
Did you know:
1. Laughter helps the body fight disease—naturally.
Laughter reduces stress, and studies show that people who are stressed can’t fight illness as well. It also boosts immunity and disease-fighting antibodies.
2. Laughter can help relieve pain.
Laughter releases endorphins—the body’s natural pain relievers. We’re not saying you should ignore chronic pain, as it could be indicative of a larger problem, but if you feel a stress headache coming on, a belly laugh could be just what the doctor ordered.
3. Laughter protects the heart.
Laughter increases blood flow almost as well as cardio exercise, helping to keep the heart strong against heart attacks and other cardiovascular diseases.
These claims may seem far-fetched, but they have been studied for years and are backed by science. (Anyone remember Patch Adams?) Plus, everyone likes to laugh. There really isn’t a downside to bringing more fun into your workplace.
The DBL Center Ltd. has a new program in place that helps to make it possible. Through a partnership with Steiner Sports, we can book top sports stars, performers, and comedians to perform at your next corporate outing, holiday party, or charity event.
DBL Center partner Michael Cohen has a strong history in the comedy world as a former stand-up comedian and a continuing member of the Friar’s Club. Although he’s made insurance his life calling, he continues to seek ways to merge the two worlds.
Our arrangement with Steiner Sports is yet another element in the white-glove, first-class service The DBL Center provides to its customers. Our brokers can lighten up their own workplaces with laughter, or provide top comedy acts for their customers’ events through The DBL Center as a value-added service.
So why not bring a little laughter into your workplace? We’re not saying it will eliminate the need for high-quality long-term disability and ancillary employee benefit plans — these insurance benefits will always be important. But it might boost productivity, reduce sick time, and maybe even cut back on pricey insurance claims that cost everyone money.
Will you join us in our mission to get New York, New Jersey, Hawaii and the rest of the United States laughing a little more?
We live in a service-oriented society. From our smartphone providers to our office technology, we expect—even demand—service. And the companies who provide that service stand to profit in the form of repeat customers, word-of-mouth referrals, and up-sells.
It works like this: Provide stellar service, earn trust, recommend additional products, write more sales.
As an insurance broker, you know this, and we have no doubt you’ve built your business upon providing best-in-class service to your clients. But we want you to think about two questions:
1. How much time are you spending delivering that service?
2. Is your wholesale insurance broker providing that same level of service to you?
If you’re purchasing your mandatory temporary disability benefits (TDB) insurance in the State of New Jersey or DBL coverage in New York through the respective states, the answer is probably no.
Insurance brokers are always free to purchase mandatory TDB and DBL insurance coverage through the state exchange. The rates will be comparable to those they will find through any broker on comparable, minimum benefits policies.
But we all know the level of service we can expect from the government. Think about your state’s Department of Motor Vehicles. Any state-run agency. The U.S. Postal Service of the past. Take note, the USPS was forced to step up its game or lose to competitors UPS and FedEx, and now even Amazon is getting into the shipping game to deliver the level of service the world’s largest e-commerce retailer deems acceptable. Once again, it’s about pricing and service.
But if you’ve ever been to DMV during peak hours, even for a simple transaction, you understand that the U.S. government, typically, does not provide superior levels of service. The same is true for each state’s Department of Labor, which acts as the broker for mandatory TDB and DBL coverage in New Jersey and New York, respectively.
So what do you do if you want better service? You look to the private sector for help.
If you’ve ever purchased a new car from a dealer and had the dealer manage all the DMV paperwork, you understand the beauty of service. All you had to do was sign a few papers in order to drive away in a new car with new plates and your registration sticker firmly attached to your windshield.
Now let’s take it a step farther. Maybe that car is a Lamborghini or a Tesla. Now you don’t even have to get a ride to the dealership to pick up your car—they will deliver it straight to your door. It turns out, today, this service is even available on brand-new Hondas and other mid-level automobiles, if you know where to shop. Dealers recognize the value of service to create repeat customers.
Similarly, when you want ultra-luxury service at mid-level prices in the insurance industry, you have to know where to shop. For more than 40 years, The DBL Center has been providing five-star, white-glove service to our insurance brokers. We love the analogy of a concierge at a boutique, luxury hotel, which you’ll notice from the moment you visit our website to the second you call us.
Not only do we meet your needs and exceed your expectations, we also do so for your c
The DBL Center acts as your back-office support staff to service all your client’s accounts, so you can focus on expanding your book of business. You know the value of service, but you don’t have to spend every hour striving to provide the best in your area—The DBL Center does that for you. You should expect this level of service, because your customers do.
We don’t limit our service to insurance products. If you need a something special to thank a specific client or entice a new prospect, we can use our vast connections across the New York Tri-State area to deliver.
We recently signed an arrangement with Steiner Sports to book comedy acts and sports stars for special events, corporate outings, parties, and more. And that’s just the start.
Whether it’s training for your employees; fast service; quick, binding rate quotes; technology that makes it faster and easier for you to do business, or even something extra, The DBL Center delivers.
How can we be of service?
When I first started in the insurance industry, it was the last place I had envisioned myself. With a background in film and entertainment, I was a member of The Friar’s Club and was making a living doing stand-up comedy. It was long hours, late nights, and required lots of energy. To be honest, there wasn’t much of a future in it for a family man who wanted to have any sort of life outside the comedy scene.
That’s when I started looking seriously at the industry I grew up around: disability insurance.
When I started working at The DBL Center, it wasn’t easy to form relationships with our brokers. I was young, inexperienced, and had a different way of looking at life. Since I was still moonlighting in stand-up comedy, I started inviting them to my local shows. “If you really want to get to know me,” I said, “come watch my show. If you like me, we can always talk about doing business.”
While I’m no longer doing stand-up comedy, I still use my passion and skill for storytelling to help in this highly competitive industry. I’ve been told by clients and colleagues that I’m a natural storyteller and it helps open doors. It’s been good for The DBL Center, and I believe it’s been good for our brokers, who enjoy the benefits of our full back-office staff to service all their accounts and can work directly with someone they know and trust, both inside and outside the office.
Now, I’ve found a way to use my relationships in the comedy industry to help DBL Center brokers be even more successful.
I’m still connected to the comedy industry and after all these years, I’ve found another way to merge the two. Through a unique partnership with Steiner Sports, The DBL Center Ltd. can now line up comedians or sports stars for corporate parties and events, fundraisers, birthday parties, recruitment events and more.
Our insurance brokers can offer their clients more with this new offering. In addition to white-glove service for disability insurance and more, plus savings on ancillary benefits, The DBL Center Ltd. provides the means for our brokers to thank long-time customers, solidify relationships, and build your brand as a broker with vast connections across the business world.
If you need a unique event idea for your brokerage or for a client, if you want to host a holiday party that stands out, or create a compelling reason for people to attend a fundraiser you’ve organized, ask us.
The DBL Center Ltd. is not just about selling insurance—we’re about building relationships. And what better way to build a relationship than through laughter or sharing common interests?
We often compare The DBL Center to a five-star boutique hotel, with the best in concierge service to meet your every need. We’ve recently re-defined what service means in the insurance industry by providing the best in corporate event entertainment for you and your clients.
At DBL Center Ltd., we’re willing to do whatever it takes to help you grow your book of business. As President of DBL Center, I consider myself extremely fortunate to be able to use my talents and my passion to bring more to our clients.
In what ways have you used your passion—for building relationships, for serving people, and for sales—to benefit your clients and partners?
We bet if you think about it, you’ll realize that your career, like mine, was built on a passion for connecting with people.
At DBL Center Ltd. we provide the service and back-office support staff you need so you can focus on those aspects of insurance sales that you really love, making it easier to write business for mandatory DBL, TDB, and TDI coverage in New York, New Jersey, and Hawaii, and increasing your profits through ancillary products.
Let us know how we can help you build your insurance business today.
NYS DBL Coverage, or Disability Benefits Law, ensures that employees
who are injured, ill, or give birth to a child can take time off without losing all their income. Although disability benefits only pays 50 percent of an employee’s paycheck—and only up to a maximum of $170 each week—it can supplement an employee’s own savings in the event of an illness, injury, or childbirth.
If you’re a business owner in New York State, you are required to carry mandatory minimum DBL coverage. You can write your policy through the state, or through a private insurance broker. But there may be a lot you don’t know about disability benefits, and especially about enriched DBL coverage.
1. You can enhance disability coverage beyond the state maximum of $170/week (and even add an AD&D rider).
Did you know that New Jersey state temporary disability benefits (TDB) offer a state maximum of $615/week—more than three times that of New York’s maximum benefit?
If you’re a New York-based business trying to expand your talent pool to stay competitive, it may be difficult to entice New Jersey talent over the bridge to your Manhattan company. Enhancing your NYS DBL benefits package is one way to help level the playing field. For just a very small premium increase, you can enhance your NYS DBL coverage to offer a competitive benefits package.
Adding five times DBL in New York State pays 50 percent of an employee’s salary up to a maximum benefit of $850/week. If you add in-hospital coverage, there is no waiting period for your employees to collect benefits. They will receive basic DBL benefits from the first day of admission. In addition, in-hospital coverage could increase the maximum benefit up to $1020/week.
Adding an Accidental Death & Dismemberment (AD&D) rider provides 24/7 coverage for accidents or illnesses, whether they occur off the job or on. Benefit levels range from $50,000 to $100,000. Learn more about Enriched DBL in NY here.
2. Employees cannot collect a paycheck and NYS DBL benefits at the same time.
If you allow employees to cash in their sick time or vacation days to cover an illness, injury or maternity leave, they cannot collect NYS DBL on top of that paycheck. There is a one-week waiting period after their last paycheck before they can collect DBL for up to 26 weeks.
Employees living paycheck-to-paycheck, which includes many families in the New York Tri-state area, have to do some careful budgeting to sustain their standard of living if they are ill, injured, or have a baby. Enhanced DBL coverage can give employees peace-of-mind that if anything happens to them, they can find a way to make ends meet if they’re collecting more than the maximum state benefits.
3. You can write your policies through InsuranceWholesaler.net for white-glove service and savings on other employee benefits, too.
The DBL Center Ltd. makes it easy to bind rates for businesses with less than 50 lives using our Quick Quote Rate Chart. Connect online with one of our top insurance carriers, get quotes in minutes, and bind coverage when you find the plan that fits your needs. A representative will call you to complete the process, and ensure that you’re satisfied with your coverage, pricing, and policy. From enhancing your DBL coverage to making a claim, we are always just a phone call away. You could buy coverage from the state, but you’ll miss out on the white-glove service The DBL Center has been providing our customers for 40 years.
We can also save you money by bundling other ancillary benefits, including vision, dental, and Group Life/AD&D coverage, as part of an enriched DBL benefits package.
We think we’ve covered some of the finer points you didn’t know about NYS DBL Coverage. If you have any questions, reach out to one of our benefits experts. Our enhanced DBL Coverage and white-glove service is just the beginning…
Small business owners face the struggle of being the HR director, sales manager, CEO, CFO/controller, CIO—and any other C-level titles you may want to add.
The DBL Center Ltd. is large enough to exceed the expectations of even the biggest corporate clients, including a number of well-known retail chains, with the highest level of white glove service. But we are still considered a small-to-mid-size business—just like many of our clients. And that means we are finely attuned to the unique needs of small businesses. And that means streamlining processes like buying employee benefits.
Most small business owners in New York understand they need DBL coverage. But they don’t want to spend a lot of time shopping around for the lowest premiums or the best service. They want to shop online, quickly and easily, binding the lowest rates they can find from a reputable carrier.
We also understand small businesses from the perspective of our brokers. Insurance is, largely, a volume business. Brokers may invest the same amount of time and energy into selling a 500-life policy as a 50-life policy. But basic math can show you where they are earning the most commission. That means brokers need a fast, easy way to bind the best rates for NYS DBL coverage for small businesses.
For over a decade, The DBL Center has been providing a solution to small business owners and brokers writing DBL policies for fewer than 50 lives in New York.
Small business owners need mandatory NYS DBL coverage quickly, without spending too much of time shopping around for the lowest premiums or best service. And brokers need to write mandatory DBL policies in New York quickly and easily to maximize their profits.
That’s where the DBL Center’s Quick Quote Rate Binding Chart comes in.
When we revamped our website, we made a few modifications to make our Quick Quote Rate Chart even easier to navigate and more intuitive to use. But it remains the same popular tools hundreds of our brokers use each week to secure a quote from one of our top carriers for their clients with 50 or fewer lives.
Let us walk you through the quick and easy three-step process.
To bind coverage for New York small businesses with fewer than 50 lives:
1. Choose one of our select carriers.
You can read about New York’s top DBL carriers, and learn the key differentiators of each insurance company, here. Our choice carriers include:
Each of these carriers has an A- rating or higher by Standard and Poors.
Simply click the button next to the carrier’s name on the chart, and a new box will open that allows you to bind coverage in minutes online, without leaving InsuranceWholesaler.net. You’ll also have the option to enrich coverage beyond the NYS DBL minimium.
Note: In the case of AmTrust, you’ll need to follow the instructions to open a new window on the AmTrust site to bind coverage.
Note: For ShelterPoint, you’ll need to login with your broker credentials first. This also enables you to look up your block of business and issue DB 120.1’s or certificates of insurance
2. Input your broker information and details about your client.
You’ll need to spend a few minutes telling us about yourself and your client. Make sure we have a copy of your updated license. This is important because all commission checks will go straight to you, with your name on the application.
The DBL Center Ltd. provides a white-glove, white-label service. Any correspondence comes to your client with your name and your brokerage information. A copy also comes to you, the broker. We work behind-the-scenes to ensure you and your clients receive the exemplary service you all deserve.
In addition to simple details about you and your brokerage, as well as your client’s name, the company name and type of company, owner name, phone, and address, we’ll need to know:
You can even bind a quote online while you have a client on the phone – it’s that easy.
3. Submit your form to bind your quote.
When all the information is complete (hit N/A if you don’t know, don’t have an answer, or need clarification), hit enter to submit the form directly to the insurance carrier. The price quote is now binding, ensuring your clients the low premiums and quality coverage they want.
A representative from The DBL Center Ltd. will contact you within 24 hours with a policy kit.
At The DBL Center, we understand the importance of online outreach, especially for time-strapped small business owners. (Might as well add Chief Marketing Officer or inbound marketing specialist to the many titles a small business owner holds!)
As a result, we are always working to improve the online experience for our brokers and their clients, from the information we share to how we make it easy to get a quick quote for DBL coverage to insure fewer than 50 lives in New York.
Give your employees the benefits they need most with vision insurance.
Vision insurance remains an unsung hero in the world of employee benefits. Although more than 50 percent of the U.S. population requires corrective lenses, and 80 percent of the population over 45, employees don’t look for vision care coverage the way they do dental insurance. In a recent study, 53 percent of employees say they want vision insurance, while 68 percent want dental coverage. Employees are more inclined to use their flexible spending account to pay for corrective lenses – often taking advantage of end-of-year sales reminding people to use their FSA dollars or Healthcare Savings Account (HSA) money before it expires. But vision coverage can represent a far greater value to many employees when bundled as part of their ancillary group benefits package.
Most people think of their vision insurance as a means to pay for their glasses or contact lenses. But annual eye exams are an important part of a person’s overall health. Not only can detecting vision problems early help preserve a person’s vision, the eyes may also indicate signs of other health problems that require a doctor’s care.
Therefore, vision coverage should be part of any workplace that focuses on employee health and fitness to reduce healthcare costs, reduce employee sick time, and improve productivity.
Blood in the back of the eye, which may be detected by an ophthalmologist during a routine annual eye exam, is one of the first signs of diabetes. Additionally, eye exams can reveal conditions such as brain tumors, skin cancer, high cholesterol, high blood pressure, and other ailments, large and small, before they are spotted by a physician.
Just like regular dentist visits, a visit to an eye doctor should be part of every employee’s annual health routine. Vision insurance makes it easy for employees to pay for the vision care they need, without taking money away from other areas.
Using flex spending or a healthcare savings plan to pay for vision care means that employees might have to choose between using that money to pay for prescription medicine, doctor’s visit co-pays, or vision care. Offering vision coverage as part of an ancillary benefits package helps ensure employees will invest in that important annual eye doctor visit.
As far as insurance premiums go, vision coverage is one of the most cost-effective health care benefits. The Federal Bureau of Labor Statistics states that vision benefit premiums come to about $70 to $80 annually, per employee, while healthcare premiums average $4,256 annually.
Not only is preventative vision care affordable in its own right, but it can help reduce overall healthcare costs through early detection of other diseases.
By bundling vision coverage with other ancillary group benefits, such as dental coverage, enriched DBL, and Group Life / AD&D, employers can save even more on monthly premiums.
However, vision coverage is only effective if employees use it to get the most out of their vision care. Many employees don’t realize the services their vision insurance covers, or only use it for corrective lenses every two years.
Choosing the right insurance broker to educate you on every aspect of your group benefits plan and provide white-glove service in every situation can help you and your employees get the most out of your vision insurance and other benefits.
Let The DBL Center connect you with the best in ancillary group benefits for better employee health.