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First of all.  Thank you.  Because of you, we have grown our agency “from scratch.”  Being able to say that we work “by referral” is an awesome thing. 

We want to work with more folks who are just like the ones we already insure.  We know that most of your friends and family are “like” you.  They appreciate the simple things like service, courtesy and honesty.  They trust and believe YOU when you recommend someone to them. 

If you’ve been pleased with us, share us!  Some of you have said that you’re not sure of what to say or how to say it.  Others have said you’d tell folks about us “if they ask.” 

If you found an amazing new Italian restaurant, would you tell your friends?  If you stumbled upon a lightning-fast drycleaner, would you tell others?       If you found the best cell phone service provider ever, would you share?

Well, if you’re delighted with us, tell someone!  Do you like the way we answer the phone?  Do we provide the service we promised?  Are you entertained by our monthly e-newsletter?  Do you feel welcome when you visit? 

One client actually brought her friend into the office to meet us!  Fun!  Another sent her friends an email “blast” with a recommendation and a link to our website!  Yet another posted kind words on her Facebook page telling her friends that “we rock” and to give our website a whirl.  Did you know that your friends can even get a “quick auto quote” on our website now?  All you have to do is get them there!   www.hosfeldinsurance.com

Our popular Referral Rewards Program is still going strong.  When your friends tell us you sent them, YOU get rewarded!  Super easy, too!  Even though we’ve tried some other partners, we’re back to Dunkin’ Donuts gift cards!  We heard you loud and clear.  We get it.  You LOVE Dunkin’!  LOL!

Think about why you picked us.  Think about why you keep us.  It’s a competitive world.  We work hard to make sure we provide excellent service to you.  If you agree that we’re a “special value” please spread the word! 

We love helping you!  Will you help us, too?

Everyone likes a “bargain”…everyone delights in getting a discount.  Somehow, when you get “more for less”, it’s a good day.

But we shouldn’t ever confuse price with value.  There is a difference.  Think of the “pleather” shoes you bought that fell apart when it rained.  Think about the generic Cheerios that tasted like cardboard reindeer food.  Remember the fake Cool Whip that deflated before you got the pie to the table?  Yeah, sometimes a deal isn’t a deal.

Same thing about apples.  When you compare “apples to apples”, you should be sure about what you’re really comparing.  Just because the insurance coverage limits look the same side by side doesn’t always mean they are the same in value and quality.

The most important part of the equation is service.  Who will be there to stand beside you when you have a claim?  Who will show you “the secrets” to getting an affordable rate?  Who will nudge you to make wise decisions for your future?  Who will deliver the life insurance check to your family when you are gone?  Is it someone you trust?  Is it someone you like?  If not, it’s time to change.

We have a whole host of discounts.  Even a new one for homeowner’s who are 46 and older.  Yes, those young and virile folks have a discount that’s pretty slick.  Another one for your “new” house if it’s 14 years old or younger.  Watch the video and be surprised at how many we really have!

But most importantly, pick someone you would want to help you when things get crazy.  Find someone who really cares and has the experience and skills to truly be an asset in your time of need.

Whether it’s helping you through claim procedures for a scary car accident or discussing a life insurance beneficiary, be sure the person is someone with whom you are comfortable.  Find an agent you can trust.

We have a “retention ratio” in the mid-90% range.  That means that our clients tend to stay with us.  That doesn’t happen by accident.  It happens because folks are happy with us.  They know how much we care and how hard we’ll work to continue earning their trust day after day.

Can you say the same about your insurance agent?  If not, maybe we should make an appointment to talk!  610-530-0304

Oh, and here’s the video: http://www.erieinsurance.com/images/Flash/auto-home-discounts.html

Buying insurance has changed.  Years ago, the nice man with “graying temples” would visit the house and sit at your kitchen table to pick up your monthly premium payment.

Now, you can dial an 800# and talk to someone on the other side of the globe.  You can log onto a glowing LCD screen and point and click a mouse to your heart’s delight. 

Why would anyone still want an “old fashioned” relationship with a LIVE agent? 

With the boom in social networking sites, it’s abundantly clear that we humans really do enjoy relationships.  We like to communicate.  We need to question, learn and participate in the decisions that affect our lives.  For the decisions that really affect your future, you should seek a reputable professional to help you do that!

Finding a great agent isn’t always easy.  Sometimes you get referred by a friend.  Sometimes you meet them at church or the local diner.  Sometimes you stumble upon them via Twitter or Facebook!  The world has changed and we need to realize that all of these avenues are valid ways to BEGIN a relationship with a trusted professional.

Why bother?  Three simple reasons:

  1. There’s alot of information out there.  You don’t have time to learn all of it.  Why not listen to someone who’s obsessed with it?  We licensed folks take lots of education courses to remain licensed!  We dream about this stuff.  Use our knowledge.  Let us help!
  2. Independent agents can give you choices.  We select “the best of the best” for a reason.  Ask us why we choose the carriers we represent.  We usually try to write you with the same company we use ourselves.  Ask us, we’re an honest bunch.  We help you find the best “value” for your hard-earned money.  Apples are not always apples!
  3. We are a valuable resource!  Whether it’s helping  you customize your policy, guiding you through a claim, or referring you to other reputable members of the community, we’re useful!  Most of us really got into this business because we like helping people.  I always wanted to be a teacher!  Now, I am!

Do you love YOUR agent?  Is he or she providing true value to you?  I’d love to hear about it!

Well, actually, there’s no big secret at all!  It’s just a fact that there are certain portions of a policy that can dramatically impact the price.

As an insurance agent, I’m often asked about ways to reduce the premium on a policy.  Everyone’s situation is different, so depending on your exact situation, the three tips may not be the best or only way to adjust yours.

However, for many folks, these three areas are key to managing a premium price:

  • In Pennsylvania, you get to choose Full or Limited Tort.  Limited Tort has a significantly lower cost.  However, this is a selection you should make ONLY after a thorough discussion with your agent.  It makes a huge difference should you have the type of claim that is affected by your selection!
  • Deductibles and premium have an inverse relationship.  When one goes up, the other goes down.  Collision normally has a bigger response to your adjustment than comprehensive.  But again, you should discuss your personal situation with an agent before making a change.
  • Pay Plan!  Surprise!  Many companies are offering significant discounts for folks who are able to pay in full.  Perhaps you can’t swing it your first year, but knowing about it will help you plan for subsequent years when you can enjoy this savings!  Our primary carrier, Erie, offers a full 7% discount for paying in full and NO service charge because there are NO installments!

If you have a reputable agent, you should be able to sit down and have an honest conversation about your expectations on premium.  We welcome “once a year” reviews for our current clients.  We also offer a full policy review for anyone who might like to compare their current program to one that we might suggest. 

Reviews are complimentary and often help you save considerably!  Call us at 610-530-0304 if you are a resident of Pennsylvania and within our Lehigh Valley service area!

Our Christmas Serenade!

Eyer Junior High Band serenaded us during our Open House….as you can tell, even “Flo” from Progressive had a good time!

While we “do” insurance, we also eat.  Hence, finding fast and yummy recipes is also part of my mission!

This is one of those “throw it together in 3 minutes” bake for an hour or so and it’s DONE!

For one pound of chicken (skinless, boneless white meat) you will need 1/2 of a 10-oz. jar of apricot preserves (we like Polanar, very natural)…1/2 bottle of Russian Dressing (any brand is fine!) and 1/2 dry packet of onion soup mix (has to be Knorr’s…awesome!)….mix it all together.

Chop the semi-frozen chicken into chunky cubes (much easier to cut when it’s partially frozen) and stir into the sauce.  Pour that all into a shallow baking dish and bake at 375 degrees for 1 to 1.25 hours.  When tender and white, it’s done! 

While it’s cooling a bit, cook your pasta.  We like the fresh angel hair (Weis Market brand is good!) variety.  Takes like 3 minutes to cook!  Serve the chicken atop the pasta…voila! 

Side dish of baked brussel sprouts makes it VERY tasty!

WHY SHOULD A BUSINESS OWNER CARE ABOUT SOCIAL MEDIA?

When asked to write a “guest article” for the Chamber Blog, I was flattered. Confused and bumfuzzled as to what perspective I should take, but still excited about the opportunity.

Ignoring social media would be ridiculous. Thinking it is something that will go away is just as crazy. Yet, many others still give me an “eye roll” or a chuckle when they hear that I post, tweet and blog. Odd, isn’t it? As a business owner, one needs to be alert and aware of what’s going on outside the box. We operate within the box we’ve created. Yet, we reach out on a daily basis to those outside of it. By recognizing the reach of social media, we simply extend our ability to communicate with the world around us.

I started with Linked In. It was easy to use and understand. It seemed “safe” because there were many other business professionals using it. My online resume and page did the same thing as my business website. It made me “real” and credible. Yet, it also did more. It “linked” me to other people I knew and ultimately other people I hadn’t yet met in the real world. The web of networking was never so clear and visualized.

Facebook looked like a fun thing. I didn’t really see it as anything that made sense for business, but it had all the bells and whistles that would make anyone intrigued! It was a virtual amusement park for adults! There are games and quizzes that could engage one for hours. Heck, I learned I type 92 words per minute, faster than in high school! Who said this aging thing was bad? Then the photo section! Wow! In minutes, I could “visit” high-school classmates, the countries they’ve visited, their pets, their kids…and I could post mine, too! Like Grandma at the grocery store when she pulls out her wallet to show off the grandkids…I could “whip out” my virtual wallet of history to show whenever I wished! Updating is addictive. Realizing how much we love to communicate didn’t surprise me. We’re human. But being able to process what all of my friends are doing throughout a day or week is amazing. With a telephone or email, we might know what a few are doing. But with this? Wow.

Soon I found Facebook had an option for the business! A “business page” linked to my personal page allows me to inform and advise “fans” when something interesting crosses my insurance radar screen. I can send updates about weather situations, seminars, open houses, helpful tips and news! Kind of like having my own personal podium out in the middle of Main Street!

Getting cocky with my newfound skills, I figured it was time to start a blog. Months before, I didn’t even know what a blog was. It sounded nasty…didn’t it involve a gelatinous monster that was going to eat the city? I watched enough late-night television to know that there was danger ahead for Will Robinson.

But I forged ahead and made friends with the program. You can insert photos, videos, do all kinds of creative things. Again, it became one more way to share the information I had with others. The blog is now a part of my regular website (www.hosfeldinsurance.com) and it can be updated anytime! I can do it myself, whenever I have something relevant to say. I no longer have to make my web guy nuts every time I feel a need to add something…I can do it from anywhere! He handles the big website stuff, but this is so within my skill set!

What else could there be? Ah, little grasshoppers…there was still the Mighty Twitter. I had signed up for it, decided it was useless, stupid and difficult. Made no sense. Who could ever get a point across with 140 characters? And who was listening? Strangers? No thanks. I closed the account.

Perplexed that I was missing something, I tried it again. There HAD to be something to this thing! I “followed” some folks who seemed reputable. I let them “follow” me. The whole thing screamed “STALKER” to me…

When my first stranger “followed” me, I freaked. Why would she do this? Who is she? What does she want? Oh, Lord, what have I started? I consulted with a friend who is a “social media guru” and he assured me that this is the way Twitter is SUPPOSED to work…that this was a GOOD thing. Whew! Who knew?

Eventually, I got it. I made friends with folks I’d never met! I then met them at organized gatherings at local bars and restaurants. I realized how cool this thing really was! Suddenly, I “knew” people from various towns, jobs, age groups, just through meeting on Twitter! After meeting in person, tweeting with them became even more fun!

Emoticons have become my friends. I can LOL with the best of them. I tweet with my tweeps on Twitter and I sponsor Tweetups. Oh yeah, it’s that crazy!

These venues exist and prosper because we’re human. We want to communicate. We want to share. Work is busy, life is busy…yet, with a few spare seconds, you can still reach out and know there are others out there with similar experiences. We may not have time to sit at the diner for coffee, or at the pub for a beer, but we can “chat” via the Blackberry anytime, anywhere.

When I started my insurance agency in 1998, I was incredibly lonely. Working alone, there were many days the only person I saw was the postman. Four walls and a telephone. Cold-calling strangers is not as fun as you might think.

Had that been 2009 instead of 1998, I would have had a network of “links” “friends” and “tweeps” upon which to rely. Whether you have a sick cat, a flat tire, or a bad case of the flu…there are folks who are a keystroke away from offering advice and/or a kind word of encouragement. From a personal standpoint, or a business one, this is invaluable. Fewer than 140 characters “Hang in there” “Congratulations” or “Go get ‘em” can mean the world when you need to hear them.

By providing a free-flowing stream of fresh information and data, Twitter rocks. By “following” the right folks, you are up-to-the-minute on local or global news, weather, traffic or any subject that intrigues you. Earthquakes on the other side of the world are tweeted before you see them on CNN! You can know when that new Thai restaurant opens…you can see the fabulous pasta dish that someone ordered within seconds of it arriving at their table!

I’ve been able to be a resource to others as well. Whether it’s answering a basic insurance question or arranging to meet for a personal review of someone’s policy, these models allows conversations to occur. Late at night, I can chat on the Blackberry, having conversations I wouldn’t ordinarily have in my pajamas chugging hot chocolate!

Time sucker you say? Not as much as you might think. Relatives have asked me when I find time to work since they see me on Facebook “so much”. Truth is, I work a lot. But because I can communicate from anywhere on that Blackberry, I use those empty time pockets to post. Whether I’m waiting for the dentist, bored during the commercials, or just being a passenger in a car…I can share things in an instant. Maybe it’s an amazing sunset. An astounding plate of chili-cheese fries. Or an update on a bad traffic situation. Most of what I post is useful, relevant or fun. Hopefully, all three!

Will social media replace regular networking? Never. The virtual interplay is enhanced by “meetups” and “tweetups” and informal gatherings for coffee. We’re human. We still like to see smiling faces, hear chuckles and giggles, and connect with warm, firm handshakes. Social media options simply provide valuable introductions before we enter a room.

We need not worry about our world becoming cold and impersonal. These simple tools allow us to go back to the playground and “make friends” on the most basic terms. The rules didn’t change. It’s easy. Just like Mama taught us, BE NICE, SHARE and HAVE FUN!

@hosfeldinsuranc (On Twitter)

Hosfeld Insurance, LLC (On Facebook)

www.hosfeldinsurance.com

We’re heeeeeeeeere!

Well, we’re all safe and sound in our new home here in Macungie!

Among the many things for which I’m thankful, finding this storefront location is one of the biggest!   As you can see, we have a great sign, windows that let in the beautiful sunlight, and a whole lot more space than ever before!

We’ve had a very full year!  Lots of changes!  Lots of good stuff!

On this Thanksgiving, I want to say THANK YOU to our amazing clients who’ve been so supportive during our move!   We can’t wait for you to see the “new place” and share in our excitement!

We will have special “gift bags” available for clients who send us an email RSVP to attend the “Client Appreciation Open House” on Saturday, December 12th!   Everyone is welcome to join in for the fun and refreshments…but for CLIENTS who RSVP by email to the event before 12/10…YOU will receive a special gift bag LOADED with cool stuff!

We’ll be here from 9-3, Saturday 12/12/09.  Guess what?  It’s the SAME DAY as the “Macungie Holiday” so plan to spend some time in town enjoying the horse-drawn wagon rides, gingerbread house competition, breakfast with Santa and more!   Trolley rides will take you through town, so parking in one of the lots is probably the easiest way to arrive!

Here’s the link for the whole day of events:  

http://www.scribd.com/doc/22681269

To RSVP that you’ll be visiting our new place AND reserve YOUR gift bag, email me at donna@hosfeldinsurance.com before 12/10/09! 

Hope to see you then!

 

difficultclimb

OK, so maybe what this guy is doing is a little harder…

Today,  my friend Tracey Werner inspired me to do a blog entry about how we started.  She launched a marketing and public relations company and asked about what motivates other entrepreneurs.   Be sure to visit her new website at www.blabbermouthcommunications.com

Back in 1998, I was completely happy in the Claims Division of Erie Insurance.  Never thought of leaving.  Would have been happy to work there until I retired and got a magic pin or watch or whatever they give you!

Wanting to advance, I interviewed for a home office position with someone who would later become CEO of the company.  I didn’t get the auditor job.  That person felt I was wired for more of a “people” position, in agency, than I was for putting checkmarks on a list.   Next thing I knew, the Branch Manager was talking to me about agency startups.

Upon first discussion about starting an agency, I think I actually laughed.  I didn’t think I would be “brave” enough to leave the comfort of an incredibly stable position where I was paid well and instead go out and make a living by selling insurance policies!

Being a “scratch” agent means you start from scratch.  You don’t get a list of clients or leads from anyone.  You don’t get a salary.  You don’t have an employer…that’s YOU!  The first policy you write is your own auto insurance.  The second is your home.  The third, your life.  Then, you have to find more people…people who aren’t YOU!

The excitement is addictive.  Finding the perfect office location!  Buying some furniture…all used, thank you Clifford Nolt of Breinigsville!  (Office Furnishings @ 1926 Kecks Rd. Breinigsville!)  Even cleaning your new office windows is a thrill!  Ordering pens with your name on them?  Woo hoo!

Then, the fear.  Mixed with the excitement, it’s bearable…but it is still incredibly scary!  When I began, I was single, I had a mortgage…heck, I had two cats who depended on me!   At that point, you go into what I call a “mega-hyper-conservative” mode.  I budgeted myself to $20/week for the grocery trip!  And that included the cat food and cat litter!   Nah, I didn’t get skinny.  I had family and friends who kindly fed me, as though I were the neighborhood stray cat!

The evening telemarketing was the worst.  It was before the “Do Not Call” list, so we gave it a whirl.  Today, the penalties are too great if you make a call and it is “unwanted”…plus, we are lucky to work almost exclusively on a referral basis now.  THANK YOU CLIENTS!  WE LOVE YOU!

Four nights a week (never Fridays, no one is ever home!) I’d sit alone in my office dialing number after number, hoping someone would be interested…honestly, just hoping they wouldn’t call me nasty names and hang up!     But every now and again, I’d get someone who thought I sounded “nice” and “not pushy”…for every one of those, I could get through another 20 of the other kind…so even today, I try to be nice when telemarketers call me…I did it myself and it’s rough!

I walked through neighborhoods and put plastic goodie bags on doorknobs.  I spent weekends sitting in “home show” booths talking to mall shoppers about insurance!  The first year, I actually stood in the snow on Christmas Eve, in hiking boots and a parka, handing out calendars to folks pumping gas at Wawa!  One guy brought the calendar into our office a year later, saying he was ready to sign up with the “crazy Wawa chick from Christmas Eve”…yeah, a year later!

Now, we’re in our 12th year.  Can’t even believe that much time has passed.  Sometimes it feels like it was a month ago that I was eating that microwave popcorn and continuously dialing the phone…

Without question, starting a business is hard.  It’s not for the faint of heart.  Things change daily.  Unexpected expenses find YOU!  You have to get comfortable with change…make change your friend!   As you grow, you need help…finding fantastic team members is the next challenge!  I’ve been blessed to have two fabulous folks join me (Linda Braun & Judy Breen!)

But, it’s been the most fun I’ve ever had not involving chocolate or rollercoasters!  Every day is different.  I am NEVER bored!  I love being able to help people with their concerns and challenges.  Someone once said if you love what you do, you won’t ever work another day of your life.   SO TRUE!

I’m appreciative and blessed.  Thank you to all of the clients who have helped us grow Hosfeld Insurance.  Without your referrals, I’d still be eating that blasted popcorn!  So truly, from the bottom of my heart, THANK YOU!

And, Tracey…a couple years from now, you’ll look back fondly at these “startup days”…telling folks about ‘em on YOUR blog!  :)

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