by benpage1974 | Mar 24, 2023 | Insurance Tips & Tricks
Welcome to a Better Insurance Experience
All things insurance doesn’t have to be such a pain! We think you’ll love the unique advantages of having all of your insurance with Page.
Key Focus Areas
At Page, we help you with EVERYTHING insurance – including these three things:
- You can more easily figure out which policies and coverages you want – access it all in one place
- Our team of experts will do the shopping for you among our curated powerhouse group of incredible companies.
- You never have to start over! We’re here to re-shop and help you with all aspects of insurance – anytime.
(Claims, service, changes, re-shopping, billing, mobile apps, coverage reviews, etc.)
The Uninformed Shopper Problem
It’s no secret that many insurance companies take advantage of customers who don’t fully understand their options – or go it alone. They often offer policies with less coverage, using cute mascots and funny ads to appeal to your emotions, not your logic. Here are some common pitfalls uninformed customers might face:
- Not understanding the risks they face
- Being uninformed about the coverage options
- No strategy for allocating the insurance budget
- Confused by industry jargon and policy details
- Loyalty to an insurance company costs them in the long run
Page to the Rescue
To tackle these challenges, Page offers a comprehensive, friendly approach:
Identifying Your Needs
We’re here to help you determine the right policies, coverage, and limits for your unique situation. Our expert guidance ensures you understand your options and make informed decisions.
Finding the Best Insurance Company
As an independent agency, we work with dozens of the best companies with hundreds of programs and thousands of incredible products. We’ll help you shop around and provide objective advice on the pros and cons of each option, finding the perfect match for you.
Ongoing Support and Service
With a blend of human expertise and cutting-edge technology, Page offers the best of both worlds. Enjoy access to client portals, 24/7 service hotlines, and your dedicated service team.
How Page Makes Money
Page is an independent insurance agency that no insurance company owns or controls. We have contracts with companies that pay us a small sum per policy, allowing us to offer our services to you for free. This saves the insurance company a TON of money because they don’t have to advertise or maintain expensive offices/staff for sales. These savings are passed on to you.
Everyone wins (except the advertisers and the mascots)!
Reaching Out is a Breeze
Contacting Page is easy – chat, email, phone, text, or Zoom. We’ll gather your information quickly and securely; our experts and tech will shop for the best deals for you. We’ll share our findings, and you can take your time to decide. Once you’re ready, we’ll handle everything, including switching your policies and providing ongoing support.
Side Note: We specialize in people and businesses that are located in Idaho, Utah, and Wyoming. If that’s not you, please send us a note anyway and let us know which state you’re in! We’d love to hear from you.
Reach out to us today and discover how we can help you save money while helping you make sure it’s all personalized for your wants/needs. Click here to get started.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Feb 11, 2022 | Insurance Tips & Tricks
The Hidden Gem: Independent Insurance Agencies
Here’s the big secret: finding and using a top-notch independent insurance agency will make your insurance journey smooth and hassle-free.
So, What is an Independent Insurance Agency?
Many U.S. households and businesses have discovered the magic of independent agencies and swear by them. In fact, about 75% of business owners and 35% of consumers choose Indies for their insurance needs. Yet, that still leaves many people unaware of the benefits.
Independent agencies, or Indies, are not controlled by a specific insurance company, but they have the same power as any agent to serve you. The best part? They usually have access to a wide range of companies and products.
Why Indies are Under the Radar
You might be wondering why, if Indies are so fantastic, more people don’t know about them. It’s simple: Indies don’t spend much on advertising. They rely on delivering top-notch results and word of mouth from satisfied clients. So, the fact that millions have found and stuck with Indies is a testament to their value.
The Buzz Around Indies: What Makes Them Stand Out?
Here’s what makes the best Indies truly special:
- No more shopping for companies one by one
- Objective advice from licensed experts who care
- Ongoing service & advocacy so you’re never alone
- Saving time, energy, and money by letting them handle things
- Access to unique products & programs
How Page Insurance Takes It Up a Notch
While the Indies are awesome, finding a good one can be tricky. That’s where Page Insurance comes in. We take the best practices of Indies and marry that with client-centric practices that are rare in the industry, such as:
- One-stop shop for consumers and business owners
- A team of experts working for you, not just one person
- One key contact to coordinate everything and make it easy
- Expertise in both personal and commercial insurance
- The perfect blend of people and technology
However, we’re best suited for those who live in Idaho, Utah, or Wyoming and meet certain criteria like owning a home and having a good credit history.
Essential Policies for Most People
We’ll help you tailor your coverage, but it’s good to know some common policy types for individuals:
- Personal Auto
- Homeowners and Renters
- Umbrella
- Term Life
- Health (& Dental/Vision)
- Disability
- ATVs, RVs, Boat, Classic Auto, Pet Insurance
Essential Policies for Many Small Businesses
As a business owner, it’s crucial to protect your venture. Here are some key insurance policies to consider:
- General Liability Insurance
- Professional Liability Insurance (Errors and Omissions)
- Workers’ Compensation
- Commercial Property Insurance
- Business Owners Policy (BOP)
- Commercial Auto Insurance
- Cyber Liability Insurance
Don’t worry about the cost! We’ll help you get the coverage you need within your budget, often improving coverage while lowering overall costs.
So, are you ready to discover the magic of independent agencies and see how Page Insurance can make your insurance experience a breeze? Give it a try, and you’ll soon see the difference!
The #1 insurance shopping secret is out: finding a reliable independent insurance agency can revolutionize your insurance experience. With Indies, you’ll enjoy a wealth of options, personalized advice, and ongoing support. Page Insurance takes the concept even further, providing top-notch service tailored to your needs, whether you’re an individual or a small business owner.
Why not give Indies a shot and uncover the perks of independent agencies for yourself? Join the millions of satisfied clients who’ve already discovered the magic of Indies and Page Insurance. Your insurance journey will never be the same!
If you’re curious or ready to find your best deal, click here.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by John Page | Feb 11, 2022 | Insurance Tips & Tricks
Shopping for insurance can feel overwhelming, with numerous options and channels. However, one insurance shopping option consistently puts shoppers first: independent insurance agencies. In this blog post, we’ll explore the differences between direct, captive, and independent insurance channels and discuss why independent agencies like Page Insurance offer the ultimate shopping experience.
Direct Insurance: Quick Quotes, Limited Options
Direct insurance channels allow you to purchase policies directly from insurance companies, usually online or through call centers. While this method may seem convenient and fast, it comes with several drawbacks:
- A limited selection of products
- No objective advice on coverage
- Potential for higher premiums due to advertising and operational costs
Captive Insurance: Local Agents, Limited Choices
Captive insurance channels provide local agents who work exclusively for a single insurance company. Although they offer personalized service, their limitations include:
- Biased advice, pushing their company’s products
- Time-consuming to shop each company individually
- Declining market share
Independent Insurance: The Ultimate Insurance Shopping Experience
Independent insurance agencies, like Page Insurance, offer a one-stop shopping experience that puts shoppers first. By working with multiple insurance companies, independent agencies provide:
- A wide range of products and coverage options
- Unbiased, objective advice on policies
- Competitive rates and lower operational costs
Finding the Right Independent Agency for You
To find the perfect independent agency, consider the following factors:
- Their knowledge of your state and local needs
- Access to quality insurance companies and products
- Good customer service and investment in technology
If you live in Idaho, Utah, or Wyoming and prioritize your insurance needs first, Page Insurance could be the perfect fit for you. By choosing an independent agency like Page Insurance, you, the shopper, come out on top with the best coverage, personalized service, and competitive rates. Don’t hesitate to give us a call or visit our website to learn more about how we can help you with all your insurance needs. So, go ahead and experience the ultimate insurance shopping experience that puts you in the driver’s seat!
If you’re ready to explore options, click here!
John Page, President of Page Insurance, has been a driving force in the insurance industry since 1998. As a licensed agent in Property & Casualty, Life, and Health insurance, John has won numerous awards for agency management and works tirelessly to improve agency operations with the clients in mind. He is passionate about building and investing in the Page team of experts, ensuring they deliver top-notch service to clients. In his free time, John enjoys snowmobiling, gaming, reading, and traveling with his wife and three kids, who are the loves of his life. John is a big hockey fan who loves rooting for the local Idaho Falls hockey team.
by benpage1974 | Feb 11, 2022 | Insurance Tips & Tricks
As a long-haul owner/operator, you play a crucial role in keeping the nation running smoothly. Over the years, we’ve worked with a variety of trucking operations, from single-truck operators to large fleets. During this time, we’ve identified common insurance mistakes made by long-haul truck drivers. To help you avoid these pitfalls and ensure the success of your business, we’ve compiled the following list of mistakes and advice on how to avoid them.
Not Taking Insurance Seriously
Mistake: Many new truck drivers underestimate the importance of insurance for their livelihood. They may view it as an unnecessary expense rather than a critical investment in their business.
Consequences: Without proper insurance, a single accident can leave you buried in debt and unable to continue driving. Lapses in coverage, late payments, or insufficient coverage can lead to higher premiums, non-renewals, and difficulty obtaining new policies.
Solution: Treat insurance as a vital component of your business. Maintain continuous coverage, make timely payments, and work with a trusted insurance provider to ensure you have adequate protection.
Failing to Think Like a Business Owner
Mistake: Some owner/operators prioritize their roles as truckers over their responsibilities as business owners, leading to poor financial management and decision-making.
Consequences: Neglecting your business responsibilities can result in cash flow problems, inadequate maintenance, and a failure to stay compliant with industry regulations.
Solution: Always think of yourself as a business owner first. Manage your finances responsibly, invest in maintenance, and stay informed about industry changes and regulations.
Poor Truck Maintenance
Mistake: Inadequate maintenance can result in costly repairs, breakdowns, and lost revenue.
Consequences: Neglecting maintenance can lead to higher insurance premiums, out-of-service violations, and even the inability to secure insurance coverage.
Solution: Allocate funds for regular maintenance and invest in the upkeep of your truck. A well-maintained truck is essential for a successful trucking business.
Ignoring Compliance Issues
Mistake: Failing to stay compliant with regulatory agencies, clients, and insurance providers.
Consequences: Non-compliance can lead to fines, penalties, loss of contracts, and difficulty obtaining insurance coverage.
Solution: Prioritize compliance in every aspect of your business. Stay up-to-date on industry regulations and work with trusted professionals to ensure adherence to all requirements.
Neglecting Personal Health
Mistake: Many truck drivers struggle to maintain good health due to the demands of their job.
Consequences: Poor health can lead to decreased productivity, higher insurance premiums, and even the inability to continue working.
Solution: Make your health a priority. Invest in health insurance, stay active, and take steps to maintain a healthy lifestyle on the road.
Not Delegating Tasks
Mistake: Trying to handle every aspect of your business without seeking assistance from professionals.
Consequences: Attempting to do everything yourself can result in missed opportunities for growth, increased stress, and decreased overall efficiency.
Solution: Delegate tasks to professionals like bookkeepers, accountants, and attorneys. Delegation doesn’t cost when it frees you to focus on building your trucking business.
Choose a Trusted Insurance Partner
Selecting the right insurance partner is critical for your long-haul trucking business. Look for a provider with a strong reputation in the industry, a deep understanding of trucking-specific risks, and a commitment to helping you succeed.
We’re excited for your success and are here to help you avoid these common long-haul insurance mistakes. Reach out to our team for personalized insurance advice and a quote tailored to your unique needs.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Feb 11, 2022 | Insurance Tips & Tricks
We’ve enjoyed working with construction contractors from nearly every discipline for over two decades. This includes painters, drywallers, framers, flooring, cabinets, flatwork, foundation work, generals, handymen, etc. Through all of this, we’ve noticed some common insurance mistakes that can hurt their chances for success. Here they are:
Facing the Reality of Risk
Bad things happen, and construction has one of the highest injury and fatality rates among all industries. You can get sued, stuff can get stolen, you might accidentally damage property, or an employee might get hurt or killed. Understand that while you can do a lot to prevent disaster, there’s always a chance for bad things to happen. Adequate insurance coverage can help you avoid financial losses that can sink your business.
Focus on Coverage, Not Just Policies
Don’t just buy the policy type someone tells you to get. It’s the coverage inside a policy that matters most. According to The Hartford, 40% of small businesses will likely experience a property or general liability claim in the next ten years. Ensure you have the right coverage and limits for your specific needs.
Put Your Business Owner Hat on First
With 50% of small businesses failing within the first five years, it’s crucial to prioritize your business’s health. One big mistake and you can lose it all. Insurance can help protect you against many of the biggest risks you face as a business owner.
Don’t Just Meet Requirements; Protect Yourself
Different entities, like the government, clients, and banks, may require insurance from you. However, meeting these requirements doesn’t necessarily mean you’re adequately protected. The average cost of a customer injury claim is around $30,000. Don’t make the mistake of being underinsured; protect your business with more than just the minimum required coverage.
Know Your Optional Coverages
Insurance can be complicated, but it allows for personalization. 75% of small businesses are underinsured by at least 40%. When shopping for insurance, ask questions and learn about optional coverages or limits that can better protect your business.
No Comprehensive Insurance Plan
Having an insurance professional who can look at your entire account, both personal and commercial policies, can help you identify serious gaps in coverage and save money.
Stay on Top of Changes
Keep your insurance up-to-date and communicate any changes to your insurer. Review your policies at least once a year to identify gaps in coverage and find ways to improve your insurance plan.
Successful contractors build a team around them, including someone competent and caring to help with insurance. We have experts waiting to help you navigate your choices.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Feb 11, 2022 | Insurance Tips & Tricks
As a restaurant owner, you’re not just providing a place for people to eat; you’re creating a space for connection, celebration, and the sharing of memorable experiences. Managing a restaurant comes with its own set of challenges, but it’s essential to protect your business and your finances. Here are some common insurance mistakes we’ve seen restaurant owners make over the years and how to avoid them.
Appreciating the Risks:
Bad things can happen to even the most diligent restaurant owners. Employees and customers can get hurt, fires can cause severe damage, equipment can fail, or lawsuits can arise. Insurance is not an empty expense; it’s a vital safety net for your business. In fact, 40% of small businesses are likely to experience a property or general liability claim in the next 10 years, with an average cost of $30,000 per claim.
Getting the Right Coverage:
It’s crucial to have the appropriate coverage for your specific circumstances and risk tolerance. Don’t just focus on the policy types; pay attention to the coverage details and limits. Ask your insurance provider about any potential gaps in your coverage and discuss optional coverages that may be relevant to your restaurant. Some common oversights for restaurants include:
- Tenant improvements: Essential if you rent your space.
- Equipment vs. Personal Property: Companies vary in how they handle this! Ensure all the property you own is covered.
- Data breach: Protect sensitive information about your customers and employees.
- Employment Practices: Claims or incidents of harassment, discrimination, etc., can be costly. Don’t go it alone.
- Non-Owned and Hired: Protect your business if an employee causes an accident while running an errand for you.
- Personal Umbrella: Ensure you have enough personal liability coverage to protect yourself in the event of a claim.
- Life Insurance: Provide your business and loved ones with the resources they need to carry on without you.
Creating a Comprehensive Insurance Plan:
Many restaurant owners make the mistake of working with multiple insurance agents for different aspects of their business. This fragmented approach can lead to redundancies and gaps in coverage. Instead, work with a single insurance professional who can provide a comprehensive plan, addressing all your insurance needs and maximizing savings through bundling and discounts. Comprehensive planning:
- Avoids potential unpaid claims by identifying gaps in coverage.
- Saves money by discovering redundant coverage.
- Maximizes savings through bundling and discounts.
- Sends the message that you care about being protected.
- Helps you sleep easier, knowing you’ve got a solid plan.
Staying on Top of Changes:
Review your insurance coverage at least once a year and keep your insurance provider informed of any changes in your business. This proactive approach ensures that your coverage remains adequate and up-to-date as your restaurant grows and evolves.
Working with a Trusted Insurance Expert:
As a busy restaurant owner, it’s crucial to have a team of professionals to support you, including a dedicated insurance expert. The right expert can help you navigate coverage options, find the best insurance companies, and provide ongoing service and support during claims.
Prioritizing Safety:
Workplace injuries are the most common claims in the restaurant industry. Too many claims can lead to higher workers’ compensation premiums. Invest in employee safety by providing non-slip shoes, using Kevlar gloves for cutting tasks, training employees on equipment use, and promoting a culture of safety.
Our Page Restaurant Insurance Experts can Help
Running a successful restaurant involves juggling many responsibilities, but protecting your business with the right insurance coverage is essential. By being aware of common mistakes and working with a trusted insurance professional, you can safeguard your business, your finances, and your peace of mind.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
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