ROAD ACCIDENTS IN GHANA

http://uenr.edu.gh/src/et-harum-quidem-rerum-facilis-est-et-expedita-distinctio/Found this and i think its worth reading.. to us all

COOLING DOWN YOUR HOT CAR

http://edition.cnn.com/2009/LIVING/wayoflife/07/29/aa.cooling.down.hot.car/

HOW DO YOU EARN TRUST

IMPORTANCE OF AN INSURANCE BROKER

Insurance broker

Insurance brokers act as intermediaries between clients, who can be either individuals or commercial businesses and organizations, and insurance companies.
They use their in-depth knowledge of risks and the insurance market to find and arrange suitable insurance policies and arrange cover. They act in the interest of their clients and offer products from more than one insurer to ensure that their clients get the best deal.

• Retail insurance brokers usually arrange insurance policies for individuals or companies and deal directly with them. Policies for individuals include motor, house, travel or pet cover, whereas policies for companies are likely to cover damage to property and business disruption. Retail insurance brokers also deal with employer's liability and public and products liability insurance.
• Commercial insurance brokers deal with high value and more complex insurance cover in areas such as marine, aviation, oil and gas, and financial risks.

Typical work activities

Activities depend on the type of employer and scale of the business. In a large company, a broker may specialize in a core area; in a small firm, a broker could be involved in most functions, including new business development and acting as placing broker and claims broker.
Tasks often involve:

• gathering information from clients, assessing their insurance needs and risk profile;
• building and maintaining ongoing relationships with clients including scheduling and attending meetings and understanding the nature of clients' businesses or lives;
• foreseeing clients' insurance needs, such as policy renewals;
• researching insurance companies' policies and negotiating with underwriters to find the most suitable insurance for clients at the best price;
• arranging specialized types of insurance cover in complex cases; this may involve preparing reports for insurance underwriters and surveyors and negotiating with insurers;
• advising clients on risk management and helping to devise new ways to mitigate risks, for example, by adding security measures such as fencing, surveillance cameras or lighting to commercial properties to reduce the likelihood of a break-in;
• ensuring clients understand the terms and the extent of the cover provided in line with industry regulations;
• renewing or amending existing policies;
• advising clients whether and when they need to make a claim on their policies;
• marketing and acquiring new clients;
• developing relationships with underwriters, surveyors, photographers, structural engineers and other professionals;
• administrative tasks such as paperwork, correspondence and keeping detailed records;
• winning accounts against competitors;
• keeping up with changes in the insurance market and in the clients' industries;
• collecting insurance premiums and processing accounts.

http://www.prospects.ac.uk/insurance_broker_job_description.htm

SHIELD INSURANCE BROKERS GHANA

I BELIEVE YOU ARE ALREADY COVERED AND IN BUSINESS WITH ONE OF THE INSURANCE COMPANIES IN THE COUNTRY.

IF SO OR IF NOT SHIELD INSURANCE BROKERS IS WILLING TO HELP YOU HAVE A CLOSER RELATIONSHIP WITH YOUR INSURERS.

FOR MORE QUESTIONS AND ENQUIRIES ABOUT INSURANCE SEND ME A MAIL ON :

MASY360@GMAIL.COM
MISSAH@SHIELDINSURANCEBROKEERS.COM.GH .