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Found a Negative Online Review of Your Commercial Business? Here’s How to Respond

 

Respond to a Negative Online Review of Your BusinessA negative online review of your services could discourage other prospective clients from hiring your commercial business.  In a study by Dimensional Research, 88 percent of respondents said they “have been influenced by an online customer service review when making a buying decision.”  Not so good for your bottom line.  Don’t panic just yet, though – a quick response coupled with some TLC (tender loving care) can help turn a negative review into a positive.

A bad review can happen to even the most reliable service businesses, whether it’s from a dissatisfied client (warranted or not) or a sneaky competitor using a fake name.  Monitoring both social media and service review websites helps you gauge customer satisfaction and your reputation.  It also enables you to showcase your company values to the World Wide Web and do damage control if an online user writes a less-than-stellar review.

Below we provide some helpful response tips for maintaining a positive reputation when an unexpected bad review is written for the world to see.

Step 1: Breathe

Your passion as a business owner makes any feedback more personal.  While it’s normal human response to get defensive, staying positive will get you the best outcome.  Remember, “the customer is always right” (even if they’re wrong).

After seeing a nasty review, collect your thoughts first and then respond in a professional way.

Step 2: Show You Care

It’s important to remember that other prospective clients browsing the web will read your reply.  To make a personal connection with the reviewer, send a private message first, if possible, before posting a public reply.  A thoughtful, prompt response communicating a solution to resolve their complaint can restore your reputation.  Offering a refund or discount on their next purchase doesn’t hurt either.

For example, a reviewer complained about a delay in your cleaning or janitorial service.  Although this delay may have been due to an unavoidable situation, such as an unexpected equipment malfunction or bad traffic, this is the chance to highlight your company values, not to backlash.  Your reply could include an acknowledgement of their complaint, a statement that reinforces your company’s commitment to customer satisfaction, and how you will rectify the problem or who to contact for resolution.

Step 3: Take the Good with the Bad, and then Learn from It

Comments about your business on review sites, both positive and negative, can be used to improve your product or service.  Make it a learning experience.  For example, incorporate negative reviews into your employee training with steps to prevent future issues.  Highlight positive reviews to keep up the good work.

Rectifying a negative online review doesn’t end with these steps, however.  If given another chance, make sure the client’s next experience with your business meets or exceeds expectations.  Follow up with them after service to see how it went.  By being responsive and showing you care both online and offline, you can help influence other prospects into becoming clients.

How did you handle a negative online review?

Resources

http://cdn.zendesk.com/resources/whitepapers/Zendesk_WP_Customer_Service_and_Business_Results.pdf

http://www.entrepreneur.com/article/242429

 

How to Get a Business Insurance Claim Resolved More Efficiently

 

Get a Business Insurance Claim Resolved More EfficientlyAccording to a recent study by The Hartford, four out of ten small businesses will experience a property or general liability claim within the next ten years.  Knowing which steps to take when an unexpected situation happens, including theft, property damage, and injuries, can save you a lot of headache and time.  To get fair resolution of a claim through a more efficient process, prompt response and preparation are required.

Below we’ve detailed the steps that will help you move along the claims process more smoothly.

Before an Incident

Following a risk management plan, including safety procedures, can help prevent a claim from occurring. However, even the most careful businesses can face loss or damages.  For this, preparation is important to ensure you’ll be covered financially.

  • Review your insurance policies so you know exactly what is covered and if these terms fit your business needs
  • In case of a claim, store your insurance policy, including policy number and expiration date, and the contact information of your insurance provider in a safe place

Reporting a Claim

Failure to report theft, property damage, injuries, or other incidents right away drags out the claims process and, if evidence is lost, could compromise how much you’re covered financially.

  • Contact law enforcement to file a police report and request a copy of the report
  • Contact your insurance company to have a claim filed immediately
  • Have a surveillance camera or digital camera readily available for documenting evidence to support your claim
  • Make a list of any stolen or damaged items for your insurance company
  • For any damages, get multiple estimates for repair costs and confirm with your insurance provider when repairs can be made

After a Claim is Filed

Save all copies of the evidence, police reports, and claim information.  When you can, communicate in writing for documentation.  After the claim is filed, there are more steps that may need to be taken to get fair resolution.

  • If you have a business interruption insurance policy, document the length of time your operations are shut down (e.g., from building fire damage) and income lost during that time period for later compensation
  • Ask your insurance provider for a cash advancement if money is needed to get your operations running again before the claim is settled
  • Follow up routinely with your insurance provider to keep track of progress

At NIP Group, our dedicated claims expert reviews each claim routinely to ensure they are being handled properly and promptly.  Through a customer-focused network, we’ll update you about the status of a claim, assist you with loss control, and work directly with the carrier to get you fair and fast resolution.

To get comprehensive coverage specific to your business risks and responsive claims handling support, check out NIP Group’s commercial insurance programs by visiting http://www.nipgroup.com/programs/.

Related Articles:

Will Your Insurance Carrier Be Able to Pay Your Claim?  Here’s One Way to Tell

Resources:

http://newsroom.thehartford.com/releases/the-hartford-reports:-more-than-40-percent-of-small-businesses-will-experience-a-claim-in-the-next-10-years

http://www.business.com/business-insurance/tips-for-filing-a-business-insurance-claim/

5 Ways to Save Money on Your Business Insurance Bill

Save Money on Business Insurance

A few simple and quick actions could put more money into your business.  The components that influence the cost of your insurance bill, including your business risks and coverage selection, can be controlled to lower your premium without compromising the quality of your coverage.  With a lower premium to pay each year, there’s more money for you to continue growing your business.

Here are five simple ways to save money on your insurance bill without sacrificing coverage:

1. Implement Safety and Loss Reduction Practices

Control workplace hazards and maintain the working condition of your commercial equipment and vehicles to keep your insurance premium low (and avoid injuries).  With a lower risk of a claim, the lower your premium will likely be (see item #3).

2. Bundle Your Policies with One Carrier

Bundling multiple lines of insurance coverage through one carrier usually comes at a lower cost than purchasing each policy individually through various carriers.  A Business Owners Policy (BOP), for example, can benefit small and medium-sized businesses because it packages major liability and property risks into one insurance plan for a lower premium.

3. Ask About a Claims-Free Discount  

Your carrier may reward you with a discount on your insurance plan if your business hasn’t had a claim in years.  To get this cost benefit, avoid filing small claims that can be paid out of pocket.

4. Increase Your Deductible

A higher deductible can lower the premium you pay annually.  It’s always good to have money set aside, however, in case an unexpected claim does occur.

5. Talk to Your Insurance Broker 

Choose a knowledgeable agent that can help you get the best coverage for you and your business.  Your broker can answer questions about different coverage options and available discounts.

Following these five tips can help you save money to continue growing your business.  At NIP Group, we get businesses custom-tailored insurance coverage at a competitive premium rate to better fit your operational and financial needs.  Visit nipgroup.com/programs or contact your broker to find out how you can save money without compromising the quality of your insurance coverage through NIP Group.

Resources

http://www.business.com/business-insurance/9-ways-to-save-money-on-business-insurance/

http://www.iii.org/article/how-can-i-save-money-on-my-business-insurance

TMPAA Announces 2013 "Program Marketing Campaign" Award Winners

Three Member Agencies Score Highest in Competition Co-Sponsored by the IMCA

Wilmington, DE — The Target Markets Program Administrators Association (TMPAA) announced at their Mid Year Meeting in Baltimore that 20 entries were received for the third annual marketing campaign competition. TMPAA’s co-sponsor, the Insurance Marketing & Communications Association (IMCA) has sponsored its own marketing and communications “Showcase Awards” for 55 years. IMCA provided a panel of independent judges that reviewed all TMPAA member entries for both creative design and marketplace impact.

The winning member agencies were Venture Insurance Programs from West Chester, PA, K&B Underwriters from Reston, VA and MiniCo Insurance Agency from Phoenix, AZ. Venture’s entry was for its “Suite Life” campaign in support of its hospitality program. K&B Underwriters’ entry featured its multi-media campaign in support of its “DigniCARE” senior living facilities program. And MiniCo’s entry was the launch of its new “Family of Products” campaign featuring a branded icon supporting four of its specialty insurance programs. All three Award of Excellence winners supported their entries with impressive marketplace metrics that achieved desired upfront marketing objectives.

David Springer, TMPAA President, presented the winning award plaques at the recent Mid Year Meeting. The semi-annual association meeting attracted 600 agency, carrier and vendor members. Springer commented, “The TMPAA was thrilled to continue the creative competition in partnership with IMCA. We hope to have even more entries in 2014.”

Additionally, Springer announced that two other member agencies were named runners up in this year’s competition – GMI Insurance from Valley Forge, PA and Willis Programs of Portsmouth, NH.

The Association’s recent Mid Year Meeting was held in Baltimore, MD, May 6-9. Complete details of this event are now on the TMPAA website. The 13th Annual TMPAA Summit is scheduled for October 21-23 in Scottsdale, AZ.

Program Administrators / MGA’s interested in learning more about the TMPAA and the Program Marketing Awards can visit the Association website at www.targetmarkets.com, or contact Ray Scotto, Executive Director, at (877) 347-5700 or ray.scotto@targetmkts.com.

Outdoor Lightscaping: How To Handle Electric Shocks

Electrical shock is a very common hazard for contractors working on construction sites. The hazard is exacerbated on large projects where multiple teams can be working in different areas on different things. Miscommunication is a huge culprit in construction site accidents.

Being able to properly apply first aid for somebody who has been electrocuted can be crucial in insuring they don’t suffer further injuries, including death. The following are steps that should be taken should a co-worker suffer an electric shock:

First Aid for Electric Shock
A person who has stopped breathing is not necessarily dead but is in immediate danger. The heart may continue to beat for some time after breathing has stopped, and the blood may still be circulated to the body cells. Since the blood will, for a short time, contain a small supply of oxygen, the body cells will not die immediately. For a very few minutes, there is some chance that the person’s life may be saved.

The process by which a person who has stopped breathing can be saved is called artificial ventilation (respiration). The purpose of artificial respiration is to force air out of the lungs and into the lungs, in rhythmic alternation, until natural breathing is reestablished. Records show that seven out of ten victims of electric shock were revived when artificial respiration was started in less than three minutes. After three minutes, the chances of revival decrease rapidly.

Artificial ventilation should be given only when the breathing has stopped. Do not give artificial ventilation to any person who is breathing naturally. You should not assume that an individual who is unconscious due to electrical shock has stopped breathing. To tell if someone suffering from an electrical shock is breathing, place your hands on the person’s sides at the level of the lowest ribs. If the victim is breathing, you will usually be able to feel movement.

Once it has been determined that breathing has stopped, the person nearest the victim should start the artificial ventilation without delay and send others for assistance and medical aid. The only logical, permissible delay is that required to free the victim from contact with the electricity in the quickest, safest way. This step, while it must be taken quickly, must be done with great care; otherwise, there may be two victims instead of one.

In the case of portable electric tools, lights, appliances, equipment, or portable outlet extensions, the victim should be freed from contact with the electricity by turning off the supply switch or by removing the plug from its receptacle. If the switch or receptacle cannot be quickly located, the suspected electrical device may be pulled free of the victim. Other persons arriving on the scene must be clearly warned not to touch the suspected equipment until it is de-energized.

The injured person should be pulled free of contact with stationary equipment (such as a bus bar) if the equipment cannot be quickly de-energized or if the survival of others relies on the electricity and prevents immediate shutdown of the circuits. This can be done quickly and easily by carefully applying the following procedures:

  1. Protect yourself with dry insulating material.
  2. Use a dry board, belt, clothing, or other available non-conductive material to free the victim from electrical contact. Do NOT touch the victim until the source of electricity has been removed.

Once the victim has been removed from the electrical source, it should be determined whether the person is breathing. If the person is not breathing, a method of artificial respiration is used.

http://www.elec-toolbox.com/

Knowing what to do in the short window of time after a co-worker has suffered an electric shock could very well be the difference between life and death. All employees should be trained on how to handle first aid should one of their co-workers become victim to electrocution. Having trained employees is one of the most effective ways to mitigate injury should an electric shock take place on the job.

For more information about artisan contractor insurance and risk management, visit LightScapePro.

Outdoor Lighting Installation Risks

The light-scaping class of business engages in the design, installation, and maintenance of outdoor lighting systems. In the past, this kind of work was handled by landscaping companies. As time has gone by however, the market has evolved and outdoor lighting projects have become much more complex. This has led to the work being handled by specialists.

Naturally, more complex jobs are going to equate to more exposure for the specialists who handles outdoor lighting projects. The following are the most common risks involved in the light-scaping line of business:

Fall Risks
With jobs becoming much more grandiose and complex, fall risks are becoming more apparent. Many lighting jobs take lighting contractors high up on ladders and onto the roofs of houses/buildings they are working on. This is just one exposure that has increased with the evolution of outdoor lighting.

Faulty Wiring
Running wire outside is an entirely different animal when compared to indoor lighting. Due to the inevitability of damp conditions outside, leaving anything exposed can cause the system to short out. A lighting system shorting out usually means the lights cease to work. However, there is also the chance that the short could start an electrical fire.

Ancillary Damage
In large outdoor lighting projects, wiring is typically run underground while hooking everything up to the power source to keep the installation looking clean. Putting the wiring underground requires a little bit of trenching. Digging out a small trench isn’t inherently too dangerous, but the problem lies with other installations that are already underground. The trench won’t be deep enough to hit major utility lines, but there could be other wires from previous lighting projects, underground piping for a sprinkler system, or drainage pipes from a previous landscaping project. These three aren’t typically put very deep underground, so there is always a risk of damaging them while digging for lighting wire.

The light-scaping business has come a long way, from a job that used to be handled by a subset of landscapers, to a full blown class of its own. It is important to remember that with the expansion and evolution of any class of business, there will be more risk involved.

For more information on outdoor lighting insurance and risk management, visit LightScapePro.

TMPAA Welcomes New President, David Springer

David Springer is the President and CEO of the NIP Group. NIP Group is a specialized business insurance and risk management intermediary ranked among the 100 largest in the United States. NIP Group has more than 150 employees headquartered in Woodbridge, NJ. Prior to joining NIP Group Mr. Springer held senior positions with AmTrust Financial Services, Inc. and Prudential Insurance Company.

I embrace the opportunity to serve as the Association’s 6th President and look forward to driving the TMPAA on its path of growth and expanded services for members of the group. The TMPAA is fortunate to have a wealth of extraordinarily talented members and it is the collective influence of this forward thinking group that drives the innovative spirit to provide even greater benefit to our membership. In the recent past our group has implemented a new Certified Programs Leader Certification in connection with Target University, completed its second annual Program Business Study, and retooled both the Association website and commercial site, “Target Programs.” I expect to be busy in helping to expand the current set of Program resources, and want to thank our outgoing President, Jeremy Hitzig for the tremendous job he has done over the past two years.

– David Springer

NIP Launches LightScapePro™ Business Insurance Program for Outdoor Lighting System Design and Installation Risks

January 24, 2013 – Woodbridge, NJ – NIP Programs, a division of NIP Group, Inc. and a leader in the design and management of specialty insurance programs, has introduced LightScapePro, a business insurance program targeting owners and operators of businesses engaged in the design, installation, and maintenance of outdoor lighting systems. NIP Programs is a leader in the design and management of specialty business insurance programs, ranked among the top 100 in the nation.

“LightScapePro was developed to meet the unique insurance needs of contractors engaged in outdoor lighting design and installation,” says Donna Jantzen, President of NIP Programs. “In the past, outdoor lighting was typically handled by landscaping contractors.” She adds, “However, the market has evolved, and outdoor lighting projects are now frequently handled by specialists in the field. And with the unique exposures that accompany these kinds of projects, standard landscaping insurance policies are proving to be insufficient in providing contractors with the protection they need. LightScapePro was designed specifically to provide coverage that’s essential to this evolving class of business.”

The LightScapePro program offers standard business coverages, such as General Liability, Business Auto Liability, Property, Inland Marine, Umbrella Liability, Crime, and Workers’ Compensation, along with a variety of special coverage options including a Limited Pollution Liability Extension Endorsement, and more. LightScapePro is underwritten in partnership with a carrier partner that’s been rated “A” (Excellent) by A.M. Best.

“The market has been in need of a competitive and comprehensive program, built from the ground up to meet the unique insurance needs of outdoor lighting contractors,” says Jantzen. “The combined effort of rigorous research in the class, and continuous input from our broker partners has enabled us to provide that product.”

NIP Programs provides independent brokers and their clients with custom-tailored coverage and stability through all market cycles. Backed by A.M. Best “A rated” insurance carriers, NIP’s LightScapePro offers a terrific product at an affordable price, while delivering the industry’s best claims-paying ability. For more information on the LightScapePro program or to obtain a Broker Kit, contact Megan Peterman at (800) 446-7647 x433 or via email at mpeterman@nipgroup.com. Submissions can be sent to NIProSub@nipgroup.com or faxed to (732) 791-4097.