-: My name is Anna Nelson
and I am a Commercial Insurance Specialist
at Hanlon & Associates.
So basically I work with business' on their insurance.
So I do a lot of the General Liability for stores
that you may be shopping in,
Workers' Comp for employees,
Inland Marine for any tools they have.
But I deal mostly with business entities
making sure they're protected
if anything were happened to them.
So we have two sales staff
and their whole job is to make that contact
and gather information from you.
So they will reach out to you
and try to make that connection.
You'll see them a lot at networking events
and then they'll kind of, you know,
if you're a business owner, get your information
and then they pass it along to me
and then I take it from there.
And I really review your business
and I kind of sell you to our companies,
try to find the best fit for you,
make sure you're not doing anything that's ineligible
to some of our companies.
Come up with prices and then analyze the account.
So let's take, for example, a gift shop or store.
We talk to you about, "Do you have seasonal increases?
How many people are there approximately a day?
What are your gross sales?
How many employees do you have?"
And we go through all that basic information
that we need to know.
Then, we would take the account.
So then we would say,
"Thank you so much it'll be a couple weeks.
We'll have a quote back for you."
So we take that and I go to,
we have over 20 companies,
so I'll go to my companies and say,
"Hey I have this great gift shop.
Here's what they do.
Here's something I notice about the account.
Who wants to take a look at it?"
Once I get those responses I develop applications for them,
answer any questions they may have.
Sometimes we do have to go back to the business owner
and say, "Hey they were wondering
do you repackage any items?
Do you sell them under your brand
that you didn't actually make?"
I tell our carriers and then we come up with quotes.
Me and the sales staff will go over,
okay it does look like they're increasing in employees
we might want to add some employers liability.
Here's why.
Here's some of the claim situations that have happened
with accounts of this size.
Then they go and they inform you about those risks,
tell you the prices, give you the proposal,
and talk through insurance coverages.