ZERO TO TWO BILLION SMALL BUSINESS MARKETING STRATEGIES
CONTENTS
5 LETTER FROM THE COO
6 GUARANTEED COST , GROUP CAPTIVE , OR LARGE DEDUCTIBLE : How Do You Choose ?
8 THE UNIFIED REGISTRATION SYSTEM “ How Am I Affected ?”
9 MAP YOUR FUTURE STRATEGY Lessons From David Karandish
10 LINKEDIN RECRUITER How It Can Help Your Business
16 feature
12 10 THINGS TO BE PARANOID ABOUT AS AN ENTREPRENEUR
14 WHAT ARE YOUR MOST IMPORTANT RELATIONSHIPS ? Who Do Your Rely On ?
20 TROUBLE GENERATING REFERRALS ? Look To Your Inner Circle
22 CURE FOR YOUR HIRING HEADACHES The Topgrading Snapshot
24 TURNING A COMPANY INTO A BRAND 6 Things Customers Cannot Live Without
26 WORKERS ’ COMPENSATION Are You Covered ?
29 THE MARINERS CLUB OF THE PORT OF NEW ORLEANS : Connecting The Marine Industry In New Orleans
30 WELLNESS PROGRAMS A Look At New EEOC Rules
Hello and welcome to the second edition of Bowen , Miclette & Britt The Risk Manager Magazine . By the time this edition prints , the country will have elected a new president . But regardless of outcome , the focus at BMB is squarely on serving the insurance and risk management needs of our clients for 2017 and beyond .
The core topics of this election cycle — national security , the economy , immigration , health care and energy policy — are inextricably tied to the insurance and risk management world . To that end , even issues such as terrorism and cyber security have relevance well beyond what they meant to the industry even a year or two ago . As a result , it is increasingly important that your broker play the role of professional consultant in lieu of the “ bid ” mentality broker who provides nothing more than rock-bottom pricing with little or no consideration given to terms , conditions or the breadth of coverage provided .
Soft market conditions are a virtual guarantee that insurance costs will be favorable for consumers for the foreseeable future , but a flight to quality will emerge as the market cycle shifts and clients demand more for their insurance dollar . Regardless of market cycle or product need , we remain fully committed to serving the insurance and risk management needs of our ever-growing client base throughout the Gulf region and across the country .
For more than thirty-five years , BMB has provided our clients a commitment to excellence , innovation , and service . Our largeagency capabilities allow us to leverage talent and technology , enabling us to deliver world-class products and services to our clients while maintaining small-agency values . The clients we serve span a broad range of industries including construction , energy , manufacturing , transportation , real estate , professional services and marine . We provide custom insurance products to help our clients navigate the increasingly complex world of insurance and risk management .
Through this publication , we want to help keep our readers updated on the latest insurance market changes , trends , and products . By staying at the forefront , we are able to shape change and drive the industry towards the needs of our clients rather than react to issues after they have already emerged .
In this issue , we focus on group captives , workers compensation , our philosophy regarding risk management and how high-income individuals can mitigate their risks , among other topics . We hope you find some of this helpful and look forward to your thoughts .
Thank you ,
WELCOME TO THE RISK MANAGER
Paul M . Cerone , COO Bowen , Miclette & Britt Insurance Agency
BMBINC . COM
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