“You get what you pay for”—how true that is with insurance. Sadly, though, a lot of what we see from new customers are insurance policies that are all bun and no burger. This raises the question: what elements should every insurance policy have? Remember the ingredients in a good old-fashioned burger? A juicy beef patty,…Read More
From a customer standpoint, it may seem like the shortest path to saving money is to switch insurance companies. Which raises the question: Is there any value in being a long-time customer of an insurance company? Or what is the return on investment in loyalty—if that even exists anymore? The answer is not always clear. As an…Read More
According to usual patterns, insurance agents typically speak with clients only two or three times in a year. Of course when there’s a problem or an urgent need, these calls are focused solely on resolution. Because when everyone is in crisis mode, the only clear goal is a swift and painless return to normal. These are what we call…Read More
It seems odd, the things we measure these days. Or at least the things we have to measure to ensure we’re doing what we should. A whole industry was born of counting how many steps a person takes in a day. And if you’re anything like me—far too many conversations these days revolve around “getting your steps in.” So what are we really…Read More
When many of us started out in the insurance sales business, we had a shared experience of sorts. Feedback from friends and family made it pretty clear: we were going to be outcasts, “that guy” at the party that no one wants to be around. You know, the one who cycles through careers and hopes to sell unsuspecting acquaintances on their product du jour.…Read More
Business takes me far and wide, and I put in many hours behind the wheel. So it’s a given that I hear a lot of insurance ads—the same ones you do. I’ll spare you the catchy slogans; you know the messages and the faces. The sad truth is that these characters are built by factories calibrated to churn out a distorted value…Read More
Entrepreneurship has long been the golden egg for hard-pressed nine to fivers. But now it’s seriously trending. Beyond romantic reverie, more folks than ever—from millennials to seasoned workers, and…Read More
You may simply view life insurance as your final act—putting the necessary assets in place to offer your family needed protection. But it takes imagination to see people showing appreciation for such foresight after you’re gone. Spoiler alert: that does happen. The downside is you’re not there to enjoy it. So is there a way to enjoy the…Read More
Usage-Based Insurance takes personalization to new heights. Data-tracking devices—broadly termed “telematics”—collect stats, building a case history of driving habits; there’s often room for improvement. Listen up millennials: a proven history of by-the-book driving can land you fair rates e…Read More
When trying to solve the question of motivation, a detective may often resort to this time-tested advice: “Follow the money.” The implication? Well, if you know where the money came from, you can begin to understand why people do what they do. When trying to find the right insurance agent, we’d suggest you go the same route: investigate the…Read More
If you know Dennis, you also know Zinc: honest folk, working hard to help demystify the insurance scene. We’re happy to know you, and now that we’re acquainted, we have exciting news to share: we’re moving on up. Recent years have seen tremendous change, both at The Dennis Agency, and here at Zinc. We’ve…Read More
After four years of caring for both the Zinc and Dennis families we realized a straighter path to better service and smarter use of resources. Not an easy decision—The Dennis Agency is BVH's oldest active business. But since Zinc is positioned best to adapt to a changing insurance market and to more carefully serve and protect your…Read More
At Zinc, we’re all about protecting what matters most—to you. And while that’s different for everyone, it’s safe to say that if you’re a professional artist, we’re talking about your business, your property, and your reputation. Having supported Northeast Ohio’s artists for…Read More
A common term for a nasty practice, the “gotcha” is no laughing matter. This punch line can sock it to you, with series of hidden exclusions and limits that ultimately threaten your ability to file a legitimate claim. Even if you’ve done your due diligence and read the fine print, you could miss clauses and statements that negate…Read More
Entrepreneurs, sole proprietors, small business owners and employers are some of the most determined, hard-working, savvy, intrepid members of our community. Moreover, in recent years, it’s been in the face of some overwhelming odds.
It gets better. Recent SBA statistics are in:
“Since the end of the recession (from mid-2009 to mid-2013), smal…
Prevalent within and without the insurance industry, misselling is a bad deal: products or services are sold without full disclosure of details and exclusions. Worse yet, information may be purposely hidden. It could also entail bad advice, stemming from lack of knowledge of the policy, the customer, or both. Either way, the coverage doe…Read More
The notion of protecting our assets is nothing new—from ancient times, risks associated with safety and survival have been high priority. Merchants, mariners and diplomats alike have employed basic forms of insurance, proving that protecting what’s ours is vital to human society. Somewhere along the way though, insurance has become a must-have,…Read More
Lurking behind those affable corporate mascots, this legal principle, cleverly employed by big-box auto insurance providers to minimize payouts, can tip the scales of liability to favor an offender and leave the victim shortchanged even when fault may be clear. The argument is that you likely did some small thing that contributed to…Read More
The Patient Protection and Affordable Care Act (PPACA) is gearing to launch. As the smoke billows—trepidation abounds, feelings are strong, opinions entrenched. So what’s a healthcare-dependent populous to do? Predictably, Zinc has ideas. Ones rooted in pragmatism and bent on finding the road to higher ground. Do you accept the maxim…Read More
Many of our customers have described reading their homeowner’s policy as equivalent to having a tooth pulled! We agree that it can be a challenge and would like to help. Thus, we give you a collection of explanations and suggestions to streamline the process. In regard to homeowner’s policies, the insurance industry employs two…Read More
Connection established. Brace yourself for good times!
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