Booking Entertainment for your Holiday Parties

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.The right venue and right entertainment make your holiday party one to remember.

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.

New Broker? Consider Using an Insurance Wholesaler

Are you a new insurance broker? Have you been licensed as a broker for some time, but have recently fled health insurance sales due to dwindling commissions and all the red tape forced by Obamacare?

Whether you’re new to the industry or simply new to Property & Casualty insurance sales for businesses, it might make sense to purchase policies through an insurance wholesaler. In today’s highly competitive industry, when top insurance agents are leaving the field—due to retirement, career burn out, or to change careers—a new broker with the right guidance and relationships can experience unprecedented success. The DBL Center team is here to help new brokers.

Let’s look at some reasons to choose an insurance wholesaler as you begin to grow your book of business in this industry.

1. An insurance wholesaler is willing to provide guidance and mentorship.

The BizzGrizz blog recently featured the top three reasons why young insurance agents fail. Number one on the list? “Lack of quality training/education.”

Organizations and schools exist that provide training to young agents. Quality publications like LifeHealthPro offer hundreds of articles and resources to guide those new to the industry, as well as veterans looking for new ideas and support.

But a new agent can also find the necessary mentorship through an insurance wholesaler. Not only does the DBL Center Ltd. provide training upon request, we are always ready and willing to guide new brokers to success. After all, when our brokers produce, we grow, too. Your success is our success.

2. The first few years as an agent can be challenging and your insurance wholesaler is here to help.

Many brokers enter the industry seeking fast and furious financial success. When it doesn’t come, they might get burnt out and seek a new career. From guiding new brokers through the obvious up-sells of ancillary benefits, Group Life / AD&D and even 401K programs, to connecting you with the lowest premiums and most robust policies for your customers by bundling insurance products, a savvy insurance wholesaler can help new P&C, as well as new Life and Health brokers, achieve success early in their career and continue to grow.

The DBL Center Ltd. is celebrating its 40th anniversary this year, and has decades of experience in the insurance industry. We can—and will—show you how to build relationships, and when you sell your products through us, we provide your customers with the best white-label service, so they will associate that white glove service with your name and your agency.

3. Insurance wholesalers provide the technology-based service you expect.

As insurance brokers leave the industry faster than they come in, insurance wholesalers, carriers, and brokerages, alike, face unique recruiting challenges. Millennials and members of Gen Z preparing to enter the work force are hard-working, tech-savvy, and demanding when it comes to having workplace flexibility and the technology tools to do their jobs wherever they might be.

With the ability to bind DBL coverage in New York for under 50 lives quickly and easily, online, as well as online access to a number of our carriers, The DBL Center offers the technology young insurance brokers expect, which may not always be available through other channels.

Let The DBL Center Help You Take Advantage of Opportunities in P&C Insurance

Twenty-five percent of P&C brokers expect to retire by 2018, according to a study by McKinsey and Co. This leaves an enormous gap to be filled by bright, young talent.

If you’re a new broker, stick with it. Opportunities abound. The DBL Center Ltd. can help guide you toward success.

Expect Better Service from Your Wholesale Insurance Provider

Is your wholesale insurance provider offering white-glove service?

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.

Purchasing TDB and DBL Benefits Through the State

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.

The Beauty of Better Service

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.

Now We’re Talking Concierge Service of the Highest Level

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.

Serving Your Customers

Not only do we meet your needs and exceed your expectations, we also do so for your c

The DBL Center's Michael Cohen and Comedian Jim Florentine
The DBL Center partner Michael Cohen and comedian Jim Florentine, frequent guest on the Howard Stern show.

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.

Your Wish, Our Command

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?

Turning a Passion into Insurance Profits

How a stand-up comedian-turned-insurance partner leveraged relationships in the entertainment industry to deliver more to his brokers.

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.Christmas-Party

Now, I’ve found a way to use my relationships in the comedy industry to help DBL Center brokers be even more successful.

Working Together with Steiner Sports to Bring Our Brokers More

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?

Five-star, White-glove Service

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.

Michael Cohen of The DBL Center and Jim Florentine
More than insurance: Michael Cohen and comedian Jim Florentine at a Friar’s Club gathering.

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.

Three Things You Didn't Know About Enriched DBL Coverage

Everything a small business owner needs to know about DBL and enriched DBL benefits.

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 aEnriched DBL coverage helps New York businesses recruit top talentre 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 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…

How to Bind NYS DBL Coverage through the DBL Center website makes it easy to bind NYS DBL coverage in New York for under 50 lives.

Quick Quote Rate Binding Chart for NYS DBL Coverage

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.

Making DBL Coverage Easy for New York Small Business Owners and Insurance Brokers

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.

Three Steps to Binding NYS DBL Coverage for Fewer than 50 Lives

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:

  • Amtrust
  • ShelterPoint
  • Guardian
  • The Hartford
  • Standard Security Life Insurance Company

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 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:

  • Number of Males and Females in the company
  • Preferred annual premium
  • Employee contribution percentage
  • Previous carrier
  • New venture
  • Effective date

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.

Save Time, Earn More Commission Online

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.