Podcasts about cpia

LA PICADITA DE LOS SÁBADOS con María Esther Álvarez 26-04-2025 Entrevistas a: Diego Barovero @DBarovero (Abogado, Profesor, Periodista) Andrea Teresa Keen (Directora de Keen Communications Group) Horacio Pascuariello (Periodista Responsable de la Sección de Pesca Deportiva del "Diario Crónica") Maxi Berardo @MaxiBerardo (Periodista, Relator de la campaña de San Lorenzo) Cesar Francis @drcesarfrancis (Abogado,Periodista. Dirigente Opositor de San Lorenzo) Verónica Giberti (Lic. en Cs. Ambientales. CPIA)

Verónica Giberti (Lic. en Cs. Ambientales. CPIA) La Picadita de los Sábados @picaditasabado

Giada Giustetto"Biennale Democrazia"www.biennaledemocrazia.itGiovedì 27 marzo, ore 11:00Cavallerizza Reale, TorinoResponsabilità collettive. Perché il femminismo serve anche ai ragazziLorenzo Gasparrini, Giada Giustetto, Gaia Gondino.In seguito a femminicidi o casi di stupro, le persone socializzate come uomini – e che si riconoscono come tali – spesso rifiutano di essere considerati parte in causa. Perché vedersi addossare la colpa di qualcosa che non si è fatto in prima persona? Ci si può considerare collettivamente responsabili senza farsi ostacolare dalla paura di sentirsi colpevoli? Con il filosofo Lorenzo Gasparrini, una riflessione sulla differenza tra colpa e responsabilità nella violenza di genere. E su come promuovere, soprattutto tra le persone più giovani, un agire consapevole che contribuisca al cambiamento sociale.Sabato 29, marzo, ore 17:00Polo del '900, TorinoParole e arte per raccontare il conflittoEnrica Boffetta, Giada Giustetto.Un gruppo di persone di varia provenienza culturale, sociale e politica, in una serie di incontri preparatori, ha dato vita a uno spazio narrativo libero. Attraverso lo strumento privilegiato del video, ogni partecipante esprime, racconta e condivide la propria esperienza di conflittualità. Proiezione del percorso laboratoriale e dibattito.Giada Giustetto, laureata in Culture Moderne Comparate, si è specializzata nell'insegnamento dell'italiano L2 e ha svolto attività di ricerca in Storia Culturale presso l'EUI. Da anni lavora nella progettazione didattica e nella formazione in scuole medie inferiori e superiori e svolge attività di docenza a ragazze, ragazzi e adulti presso istituti scolastici, agenzie formative e associazioni del territorio. Attualmente lavora nel Cpia4 di Torino e si occupa di progetti di formazione linguistica e di cittadinanza destinati a richiedenti asilo.Collabora con Biennale Democrazia da 6 edizioni, occupandosi di redigere i percorsi formativi per le scuole secondarie di primo e secondo grado e di realizzare un progetto che coinvolge i Cpia e altre realtà migranti sul territorio.IL POSTO DELLE PAROLEascoltare fa pensarewww.ilpostodelleparole.itDiventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.

Verónica Giberti (Lic. en Cs. Ambientales. CPIA) La Picadita de los Sábados @picaditasabado

Are you leaving content opportunities on the table because you're not repurposing the content you already have? In today's episode, Felly Day joins us to share the value of repurposing and why it's a crucial component to intentional marketing for business owners. Listen in as she not only shares common mistakes and practical strategies, but also walks us through her CPIA framework to effectively repurpose your content.Today's episode is brought to you by my Content Organization Hub! If you are drowning in a sea of post its trying to keep track of all your content ideas or maybe you're struggling to remember what you posted on which platform and when, I totally get it.That's why I created the content organization hub for air table for just 9. You can finally put an end to content chaos. Imagine having all your marketing content in one central location. Easily linked, perfectly organized, and ready to go whenever you are. Grab the Content Organization Hub and get 10% off with code PODCAST!Buy Now >>Mentioned in this EpisodeTurn 1 into Ten Private PodcastFelly's Angles Episode on The Unprofessional EntrepreneurConnect with FellyWebsite: fellyday.comInstagram: instagram.com/fellydayPodcast: fellyday.com/podcast

On this episode of Agency Nation Radio, we meet Ashley Stafford, insurance advisor, Williams Insurance Agency in Rehoboth Beach, Delaware. Stafford was laid off from a logistics company during the coronavirus pandemic. After a friend posted a vacancy at Williams Insurance Agency, she jumped headfirst into all the opportunities an insurance career has to offer, quickly advancing from a customer service role into an advisory role. Drawing on her experiences in other customer service positions, as well as acting aspirations that included being an extra in HBO's “John Adams" miniseries, Stafford always strives to “turn challenges into opportunities and prioritize exceptional customer service," she says. In her short insurance career, Stafford has acquired the certified professional insurance agent (CPIA) designation and was recognized as a 2023 Young Agent Mover and Shaker by Insurance Agents & Brokers (IA&B). Now, she's looking forward to continuing her dedication to customer service and spreading the word about career opportunities in insurance. Agency Nation Radio is where insurance professionals turn on the mic and share unscripted stories about leadership, technology, marketing, success, and failure—stories that helped make them the professionals they are today. From Main Street USA to the pages of Independent Agent magazine—we've got the stories you want to hear. For more, catch Agency Nation Radio on your favorite streaming platform or visit iamagazine.com/podcasts.

Mari Accardi"Non ho tempo per andare al mare"Nutrimenti Edizioniwww.nutrimenti.netPer Matilde non è più possibile rimandare i conti con le proprie insicurezze. Forse è il momento di farsi ‘guida' fino in fondo: della sua famiglia e di sé stessa. Giocando con i toni della commedia e con il loro rovescio, in cui sempre risuona il tragico, Mari Accardi mette a fuoco la fatica stupefacente dell'essere turisti – audaci ma non troppo – nel paesaggio imprevedibile delle nostre vite.Dopo il fallimento del sogno di sceneggiatrice e di ritorno da una fuga all'estero, per Matilde c'è un solo piano B: tornare in Sicilia e improvvisarsi guida turistica. Dovrà guidare per le strade e i vicoli di Palermo drappelli di settantenni per lo più stranieri e su di giri, lasciandosi contagiare dal loro entusiasmo. E se arrivasse a considerarli una famiglia alternativa? In una rappresentazione del turismo di massa disegnata sempre sul filo dell'ironia, e a tratti esilarante, Mari Accardi racconta il destino personale di una giovane donna siciliana. Bisogna allentare qualche difesa, polverizzare la diffidenza e guardare con lucidità alla famiglia d'origine. Quella vera.Un padre impegnato in un fitto colloquio con i gatti, chiuso in una vecchia Audi come in un bunker, una madre le cui colonne d'Ercole sono la chiesa e il supermercato di quartiere. E una nonna che proietta la sua angoscia dominante – l'invadenza degli estranei – perfino nel post mortem. E se le occupassero la tomba? L'unica persona di fiducia è la badante di origini rumene, Adela. Peccato che all'improvviso faccia perdere le sue tracce, generando una turbolenza quasi ingestibile. Tutto si complica, tutto sembra andare all'aria: famiglia vera, famiglia presunta.Mari Accardi (1977) è nata a Palermo e insegna in un Cpia in provincia di Alessandria. Suoi racconti sono apparsi su diverse riviste e sull'antologia Quello che hai amato (Utet) curata da Violetta Bellocchio. È stata selezionata da Granta per il numero Che cosa si scrive quando si scrive in Italia dedicato ai nuovi autori del nostro paese. Ha già pubblicato, Il posto più strano dove mi sono innamorata (finalista al Premio Settembrini) e Ma tu divertiti, entrambi con Terre di Mezzo Editore.IL POSTO DELLE PAROLEascoltare fa pensarewww.ilpostodelleparole.itDiventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.

Nelle classi in cui gli studenti stranieri con importanti carenze nella lingua italiana siano uguali o superiori al 20% ci sarà un docente di supporto. È quanto prevede il decreto approvato circa un mese fa dal Consiglio dei ministri.

You're marketing your business on several platforms but not seeing the numbers you'd like. Your comment section is either full of heart and fire emojis or absolute crickets. In this episode, I share why even though I prioritize an Omnipresence, I don't recommend using more than 2 or 3 platforms, especially when you're a solopreneur. For the whole CPIA framework, check out my private podcast where I teach you how to turn 1 post into 10. https://fellyday.ck.page/leadmag Come find me: fellyday.com/services instagram.com/fellyday --- Send in a voice message: https://podcasters.spotify.com/pod/show/felly-day/message

I know you want to make more sales, but chances are you're only focused on Soft sales tasks. I don't know about you but I plan to go offline in September to get married and take a honeymoon. That means that I've got some numbers to hit and a deadline to make it happen, so hard sales tasks are my focus moving forward. Listen to this weeks episode to learn the difference between hard and soft sales tasks and an inside peak on what I've got planned for my agency, FDStudio, to increase our summer sales. For the whole CPIA framework, check out my private podcast where I teach you how to turn 1 post into 10. https://fellyday.ck.page/leadmag Come find me: fellyday.com/services instagram.com/fellyday --- Send in a voice message: https://podcasters.spotify.com/pod/show/felly-day/message

w/Guest Co-host, Lucas Ferrara, Real Estate Attorney, Partner, Newman Ferrara LLP https://www.nfllp.com/   Sheri Koones, an expert on the subject of small houses and sustainable building, and the author of the new book "ADUs: The Perfect Housing Solution" https://www.sherikoones.com/  Peter G. Conte, CPIA, MSRE, Honig Conte Porrino Insurance Agency, Inc. https://honigconte.com/  See omnystudio.com/listener for privacy information.

Come behind the scenes with me as I jump right over PI in the CPIA framework to talk to you all about A: Angles. Angles are my best kept secret and the thing that takes repurposed content from repetitive to innovative. Don't believe me? Then I guess you'll just have to tune in and try them out for yourself. For the whole CPIA framework, check out my private podcast where I teach you how to turn 1 post into 10. https://fellyday.ck.page/leadmag Come find me: fellyday.com/services instagram.com/fellyday --- Send in a voice message: https://podcasters.spotify.com/pod/show/felly-day/message

Curious where to start when it comes to repurposing your content? This episode is going to lay out exactly which type of content and why you should start there when it comes to repurposing. For the whole CPIA framework, check out my private podcast where I teach you how to turn 1 post into 10. https://fellyday.ck.page/leadmag Come find me: fellyday.com instagram.com/fellyday --- Send in a voice message: https://podcasters.spotify.com/pod/show/felly-day/message

El presidente del Consejo Profesional de Ingeniería Agronómica (CPIA), Claudio D. González anunció la realización del el Primer Congreso BioAgroIndustrial que tendrá lugar el 6 de noviembre en el Centro Argentino de Ingenieros; contará con el auspicio de la Federación Mundial de Ingenieros (FMOI) y la UNESCO. El presidente del CPIA mencionó que "esos tres lineamientos globales serán desarrollados por cada una de las áreas del conocimiento que el Consejo Profesional regula en el ejercicio de la profesión a nivel nacional.”  "El congreso tiene como objetivo resaltar el papel esencial y poner en valor el rol de los profesionales BioAgroIndustriales de la Argentina y se desarrollará con exposiciones simultáneas que garanticen un enfoque integral y sistémico, en el marco de un entorno que procura ser amigable e enriquecedor para los profesionales. Contará con transmisión vía streaming para los participantes en el exterior." explicó González

w/Guest Host, Steven Ebert, Partner, Cassin & Cassin LLP. https://www.cassinllp.com/home/    Sarah Blank, Kitchen Designer and the author of "Classic Kitchens for Modern Living" https://sarahblankdesignstudio.com/    Peter G. Conte, CPIA, MSRE, Honig Conte Porrino Insurance Agency, Inc. https://honigconte.com/See omnystudio.com/listener for privacy information.

Peter G. Conte, CPIA, MSRE, Honig Conte Porrino Insurance Agency, Inc.  https://honigconte.com/     Charles Peterson, one of the world's leading experts on wood flooring and the author of "Wood Flooring: A Complete Guide to Layout, Installation & Finishing" https://charlesepeterson.com/ See omnystudio.com/listener for privacy information.

Frank Shirley, Principal at Frank Shirley Architects in Cambridge, MA and the author of “New Rooms for Old Houses: Beautiful Additions for the Traditional Home” https://frankshirleyarchitects.com/   Peter G. Conte, CPIA, MSRE, Honig Conte Porrino Insurance Agency, Inc. https://honigconte.com/    See omnystudio.com/listener for privacy information.

Douglas Kent, Activist, Educator, Specialist in Ecological Land Management, and the author of the bestselling book on property protection in the U.S., ‘Firescaping' https://www.anfractus.com/firescaping   Peter Conte, CPIA, MSRE, Honig Conte Porrino Insurance Agency Inc. https://honigconte.com/See omnystudio.com/listener for privacy information.

Peter G. Conte, CPIA, MSRE, Honig Conte Porrino Insurance Agency, Inc. https://honigconte.com/   Victoria Schneps, President and CEO of Schneps Media https://www.schnepsmedia.com/See omnystudio.com/listener for privacy information.

In this episode, we're joined by Reagan Jager, CRM, CISR, CPIA, and Jim Ellis CAS from USI. They are experts in the property and casualty insurance industry, specifically in the multifamily sector. In this episode, they discuss the unique challenges that multifamily properties present and how they approach risk assessment for their clients. Reagan and Jim also talk about the significant trends and changes in the property and casualty insurance industry, as well as some of the misconceptions people have about multifamily insurance.  In addition to their expertise in insurance, Reagan and Jim discuss their involvement in industry advocacy, the importance of workplace culture, giving back to the community, and so much more. Where To Connect With Reagan and Jim Reagan on LinkedIn Jim on LinkedIn

Max Gross, Editor in Chief of Commercial Observer, born in New York City and went to Dartmouth College, formerly a reporter for the New York Post, and has a side hustle as a novelist, most recently of “The Lost Shtetl” published by HarperVia https://commercialobserver.com/author/max-gross/   Peter G. Conte, CPIA, MSRE, Honig Conte Porrino Insurance Agency, Inc. https://honigconte.com/  See omnystudio.com/listener for privacy information.

Episode 72 - If you've been listening to the last few episodes, we've been breaking down the steps you need to consider before starting a business. The concepts shared in these episodes are the foundation of building a successful business, no matter what kind. Bottom line in business is You Don't Know What You Don't Know You see, too many people jump into starting a business without doing any planning. Then they wonder why they aren't finding success, as if business should just fall from the sky! For some people even if they don't plan, they might get lucky but the majority of people put in a lot of hard work, time, money and sweat equity to get their dream of owning their own business off the ground. For many people it's trial and error It's figuring out what to do as they run into trouble or finding answers when they least expect to.  Even if you do extensive planning and research before you start your business, you will hit obstacles, but the more you are prepared with your foundation, the better chance of success you will have. In this episode I want to recap the top 5 things I think you should focus on when planning to open your business. I've talked about these before, but I'm hoping that if they have their own episode, you'll pay attention. Quick recap Marketing Plan Focus Business Team Capital Contracts What's your end game Ideas To Consider Have a plan. You can take courses on how to create a business plan, and your plan can be 30 pages or 3 pages. I've even heard of a one page business plan, but it's hard to get a lot of details on one page!   There's two things I think are essential in your plan.  The first is marketing. And I think this needs to be very well defined. Maybe you need to do a little market research to test your idea before you can create a solid marketing plan, but without this, you are doomed. I also think that when you define your marketing plan up front and look at the costs for each tactic you want to implement, then you can budget accordingly which is the se cond part of the plan that I think is essential. I'll get back to that part but let's talk about marketing first. The second is financial - For someone like me, this is the toughest part because while I understand math and some accounting, financial projections aren't something I can easily wrap my head around. I see this part as start up costs - what you need to really open your doors, how much capital do you need to pay yourself or a staff for the first year while you are growing your business and how much reserve do you need in the event things don't go as planned? Map this part out, give it to your banker friends and ask their opinions. This is essential and often overlooked by many startup entrepreneurs. It's why first year entrepreneurs have such a high failure rate. Focus on what you want to do - It's ok to pivot down the road as many companies do, but if you are starting as an agency, an insurance company or a related insurance partner, be focused. Don't try to be all things to all people. It is the greatest component of success for startups. Put together  you business team. I'm not talking about staff but the other professionals that can guide you. Don't hire your family member if they don't specialize in what you need. For example, you need a business attorney, not the family law attorney. Get a good business accountant, and make friends with your banker, payroll, bookkeeper, human resources and even other insurance professionals that aren't doing what you hope to do. This ties into the financial piece, but having enough capital to get you through is essential. This is really the hardest part. So many people want to start but don't have the capital. They bootstrap it which can work but it would be so much easier if there was capital. If you are working as you are thinking about starting a business, get your loan while you are working for someone else because once you become self employed, the lending rules change and it's not easy. In 2023 when everything is out of whack from COVID, getting a bank loan is really difficult so get it before you leave your salaried income. Contracts - Be sure to read all of your contracts thoroughly. I would strongly recommend having them reviewed by your business attorney. It might cost a few extra dollars, but trust me, they'll see things in a different light than you will and offer good tips for negotiation. If you have a partner, have a contract - the more detailed the better. It needs to discuss what is involved if there is a breakup. Better to get it right before you start then pay thousands when no one is talking to each other. A business breakup is no different than a marital breakup. Your business pre-nup is the most valuable document you can create. Have contracts with business vendors, employees and review your insurance company contracts thoroughly. Don't sign on the dotted link just because you get offered a contract. This last one is a bonus idea but I think it is essential to set yourself up with the end in mind. It doesn't matter if the end is 30 years away, be thinking like that. Build a business you can sell if you need to. We don't know what life will bring us tomorrow so if you set it up right from the beginning, you don't need to worry about a surprise obstacle getting in your way.  If you can't tell from the past few episodes, this is my passion. I love helping people get started in business. I'm not as good with someone that already has 100 employees, but for the start up, my heart sings!  If you have questions, feel free to reach out. You can find me on LI and FB. I have a group called The business of insurance, but it's not that active. If you want to be a part of it, let me know and I'll let you in! Thank you for listening to this series on how to start a business. If you know someone thinking about getting started or someone that has been in the business for a short period of time, please share this information with them.  It's free and valuable! SHOW THE LOVE If you haven't done so already, please follow, like or subscribe to this podcast on your favorite podcast player. The terminology for this has been changing, but we want you to get our podcast when new episodes are published, so check the platform where you listen to podcasts and make sure we are in your playlist!  We are on all of the platforms including spotify, IheartRadio and Apple podcasts.and Google Podcasts. SPONSOR Insurancemailboxpower.com CONNECT WITH THE PODCAST ON SOCIAL FACEBOOK GROUP FACEBOOK PAGE TWITTER ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional  and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo.  Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful. She also works in the health insurance space, focusing on helping people navigate the Medicare Maze. She is the co-author of Renewable Referrals. Connect with Debbie on LinkedIn, Twitter or Instagram.  

EP -71  If you haven't listened to episodes 65-71, they set the stage for this final episode on things to think about when starting your own insurance business. Regardless if you are starting an agency, an insurance company or a related business to the insurance industry like technology, claims or risk management, the concepts of starting a business are the same. These are discussed in these episodes and can help with your thought processes and planning. Pre-planning, part 2 provides ideas to implement 6-12 months before you are ready to open your doors. If you don't have a year to plan your business, you can fast track these ideas. It's the concepts that you want to consider to assist in starting your business with a greater chance of success. Months 6-9 Define business objectives  Pick a name for your business  Look for office locations  Write a business plan  Month 10 Decide legal form for your business Set up recordkeeping system Establish a relationship with a banker Open a business checking a account Month 11-12 Prepare cash flow projections Define amount of investment you'll need Prepare financial statements Obtain license insurance, permits Secure financing Set up office and operational space Purchase business cards, office supplies Hire staff SHOW THE LOVE If you haven't done so already, please follow, like or subscribe to this podcast on your favorite podcast player. The terminology for this has been changing, but we want you to get our podcast when new episodes are published, so check the platform where you listen to podcasts and make sure we are in your playlist!  We are on all of the platforms including spotify, IheartRadio and Apple podcasts.and Google Podcasts. SPONSOR Insurancemailboxpower.com CONNECT WITH THE PODCAST ON SOCIAL FACEBOOK GROUP FACEBOOK PAGE TWITTER ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional  and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo.  Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful. With over 30 years in the industry, mostly on the property and casualty side, she currently works in the health insurance space, with a focus on helping people navigate the Medicare Maze. She is the co-author of Renewable Referrals.Connect with Debbie on LinkedIn, Twitter or Instagram. 

EP - 70 This episode provides additional insight into starting your own business in the insurance industry. We'll cover ideas to help you map out the process over the course of several months so you don't have to do everything at one time. We'll talk about tasks that can be broken down over 12 months or done in 30 days if you don't have much time. Month 1 -2  Define your ideas - what area are you going into? Agency, carrier, claims, Life, health, will you just do something like work comp, airlines or medicare? Maybe you are thinking technology in the form of a CRM for insurance, maybe you'll white label a product that is working in another industry. There are a lot of things in between, these are just examples. But give some thought to your direction. Will you set up your business like everyone else or do you have ideas for being innovative? I don't believe any of this is incorrect, you just need to define what you want to do and make sure you have done the research and have a great plan for moving forward. Month 2-3 Assess the impact on your life and family - I believe this is often overlooked and is an essential component of going into business. A business is like having another child. It is expensive, it takes a lot of your time, it can eat up your resources until you start making sales. Your spouse needs to buy in emotionally and financially. When I started my first agency back in the early 90's I thought I had my husband's support. We agreed that I could tap into our home equity loan which was $25,000. Our marriage was set up where we each paid 50% of everything so I needed that money to pay my portion for awhile.( 2 kids with childcare, mortgage, groceries, and a car payment, along with the business expenses) 6 months into starting my agency, my husband was freaking out. I was making sales, but not enough to pay 50% of my bills around the house. Since I was home based, he thought I was doing nothing all day and that we could stop sending the kids to daycare and same some money. He just didn't get it. Ultimately, we got divorced and while it was over a completely different issue, my being self employed weighed into it heavily. When I went looking for another partner, I wanted them to be in sales and understand being in business. I wasn't going to be with someone else that did not understand you have to make some sacrifices short term for long term success.  I can't stress how important it is to get complete buy-in from your spouse or partner about how the finances and time will be for the next 2-3 years. If you aren't making money after that then you might need to reassess! Month 3-6 Locate sources of business advice and support - in the last episode, episode xxx, we talked about different members of your team. This wasn't people that would be on your payroll but people that you would get advice and wisdom to make sure you are successful. If you missed that episode, please go back and listen to it again. THIS EPISODE OF THE BUSINESS OF INSURANCE PODCAST IS BROUGHT TO YOU BY INSURANCEMAILBOXPOWER.COM How will you announce your new business? How will you thank all the people that support you? Consider insurancemailboxpower.com. This great platform lets you send gifts, cards, direct mail and other marketing pieces to your clients, prospects and those that are supporting you along the way. Since we are talking about getting started in business in this episode, once you decide on your company name and logo, you can create a few custom items to see how it feels. Put the name and logon on a coffee mug, order yourself  some custom pens. Just test it out to see how it feels before you commit to the final copy.  Use my affiliate link and go to insurancemailboxpower.com where you can set up a free 14 day trial  account. Send yourself a few products and see how it feels.  When you sign up for a pro or executive account, I'll share some of my designs with you that have been generating results for me! Continuing in month 3-6 Obtain necessary skills - depending on what type of business you are starting, will depend on the types of skills you need. If you aren't good at sales, take some sales classes. If you aren't good at leadership, take some classes, if you don't know what is involved in running a business, take some classes. Do this before you get started, so you have a better chance of finding success earlier, not after you open your doors. You'll always need to be learning and there are different ways to get the information that you need, but the more you do this before you open the doors, the less mistakes you'll make when the doors open. Research carriers, IMO's, Aggregators,industries etc.If you are going on the agency side, who will you write your business with? I think it is really important that you really do your due diligence here. Get the contracts. Read them. Have your lawyer review them. Sit on them and make sure you ask questions. Don't take anything for granted. It's easy to sign one, it is not always easy to get out of one. It might mean going to a few industry events to ask people who they are using, getting some feedback from others before moving forward. By doing this part before you open your doors, you will save yourself a lot of time and aggravation down the road.  Topics to consider: What are the sales expectations, what technology do they provide?  Can you test ride it?  What type of support is available?  How are commissions paid?  What about overrides and contingencies?  What happens if you want to leave or move to another organization? What happens if you sell your business? There's a lot of information you need before you sign up that will help you to be more successful.  Since there's a lot of information to planning to open your business, we are going to stop here for today. We'll pick up what to do in the next episode.  So until then, KEEP CREATING OPPORTUNITIES   SHOW THE LOVE If you haven't done so already, please follow, like or subscribe to this podcast on your favorite podcast player. The terminology for this has been changing, but we want you to get our podcast when new episodes are published, so check the platform where you listen to podcasts and make sure we are in your playlist!  We are on all of the platforms including spotify, IheartRadio and Apple podcasts.and Google Podcasts. SPONSOR Insurancemailboxpower.com   CONNECT WITH THE PODCAST ON SOCIAL FACEBOOK GROUP FACEBOOK PAGE TWITTER ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional  and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo.  Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful. She also works in the health insurance space, focusing on helping people navigate the Medicare Maze. She is the co-author of Renewable Referrals. Connect with Debbie on LinkedIn, Twitter or Instagram. 

EP 69 - We get training for being an insurance agent but we don't get training for being a business owner. They are two completely different hats. If you want to succeed in Business you need to have a team. I was recently listening to another podcast with an angel investor and she said the first thing she looks for is who is on the team and what is their experience. You need a team. It's nice to think you can do everything yourself, but something will be lacking if you don't bring on help. So here's what your team should look like. Accountant  Consult with an accountant for guidance on your entity choice. Have your accountant show you how to initially set up your books -  Use your accountant as an advisor to different financial decisions you can make with your business. Meet with them quarterly for business planning ideas Bookkeeper - someone that can help with commissions, payroll, balancing your accounts  Lawyer  Get guidance on your entity structure Let them review and create different documents for you Marketing  Let them help with your webite, branding and a marketing plan Insurance - if you aren't doing commercial P&C on a daily basis, partner with someone that is and let them be your agent. They can talk to you about the newer coverages like cyber and  AI but also make sure you know about the other coverages usually offered in a BOP.,  Banker  Get to know several bankers. They can be your best friend. They work with a lot of other businesses, they have their pulse on what is going on in the economy and they know who is lending, who isn't and where you can find money. Human Resources   Find an outsourced HR firm that you can use. Maybe you need them once a month, or once a year,  having the professionals at your fingertips is a great way to keep yourself out of hot water with employees.  Mentor / Coach  They can save you years of mistakes because they've been there, done that. Rather than trying to figure it out for yourself, they have the answers. SPONSOR Insurancemailboxpower.com CONNECT WITH THE PODCAST ON SOCIAL FACEBOOK GROUP FACEBOOK PAGE TWITTER ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional  and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo.  Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful. She also works in the health insurance space, focusing on helping people navigate the Medicare Maze. She is the co-author of Renewable Referrals. Connect with Debbie on LinkedIn, Twitter or Instagram.  

In this episode of The Power Producers Podcast, David Carothers and guest co-host Ciara Gravier CIC, CRM, CCIC, PWCA, CPIA interview Sarah Muniz, author of the new book, Undiscovered Voices. Sarah talks about her experiences in the insurance industry and the benefits and value of having women in any industry. Episode Highlights: Sarah shares that he fell in love with the insurance industry since 2001. (3:13) Sarah explains how women, particularly those in the insurance industry, support one another (7:12) Ciara shares some of the reasons why she got all her designations. (13:14) Sarah explains that her book is about talent, the benefits of women, and the insurance benefits of women in leadership. (17:29) Sarah mentions that women lack confidence in their early years because they have to show their abilities many times before they feel confident. (23:13) Sarah believes that people must always improve both personally and professionally, in order ot keep moving forward. (34:39) Sarah discusses how long it took her to write her own story of her experiences. (38:13) Sarah believes that it's going to take men and women working together to make any real change. (51:20) Tweetable Quotes: “Women lack confidence because we have to prove that we can do something a lot of times before we feel confidence.” - Sarah Muniz “If you're not growing, you're dying. I mean, and that goes for you know, personally and professionally you have to always grow. Otherwise, you're going backward.” - Sarah Muniz “It's going to take men and women working together to make any real change.” - Sarah Muniz Resources Mentioned: Sarah Muniz LinkedIn David Carothers Ciara Gravier CIC, CRM, CCIC, PWCA, CPIA Florida Risk Partners The Extra 2 Minutes

In this throwback episode of The Power Producers Podcast, David Carothers and guest co-host Ciara Gravier CIC, CRM, CCIC, PWCA, CPIA interview Sarah Muniz, author of the new book, Undiscovered Voices. Sarah talks about her experiences in the insurance industry and the benefits and value of having women in any industry. Episode Highlights: Sarah shares that he fell in love with the insurance industry since 2001. (3:13) Sarah explains how women, particularly those in the insurance industry, support one another (7:12) Ciara shares some of the reasons why she got all her designations. (13:14) Sarah explains that her book is about talent, the benefits of women, and the insurance benefits of women in leadership. (17:29) Sarah mentions that women lack confidence in their early years because they have to show their abilities many times before they feel confident. (23:13) Sarah believes that people must always improve both personally and professionally, in order ot keep moving forward. (34:39) Sarah discusses how long it took her to write her own story of her experiences. (38:13) Sarah believes that it's going to take men and women working together to make any real change. (51:20) Tweetable Quotes: “Women lack confidence because we have to prove that we can do something a lot of times before we feel confidence.” - Sarah Muniz “If you're not growing, you're dying. I mean, and that goes for you know, personally and professionally you have to always grow. Otherwise, you're going backward.” - Sarah Muniz “It's going to take men and women working together to make any real change.” - Sarah Muniz Resources Mentioned: Sarah Muniz LinkedIn David Carothers Ciara Gravier CIC, CRM, CCIC, PWCA, CPIA Florida Risk Partners The Extra 2 Minutes

Dulce's story is an example that when you are helping out of kindness and generosity, inevitably you are going to be successful and a role model. Good things are going to happen to you and you are going to be a positive influence in the spaces that you are in. Dulce has had an amazing career helping clients, colleagues, and consumers. Her book of business is fully made by referrals and her retention rate is insane. Many of her clients had been with her for decades and generations. She has a solid reputation as one of the best in the industry. Her story is full of value and you should hear it.Dulce is native of Miami Beach, Florida. She is a Beach High graduate and lived in Miami Beach for 22 years before moving to Miramar in Broward County in 1996. Dulce was in High School, on the work program, when she did clerical work for a Condominium Association. While working there, an insurance agent told her they had an opening and asked her to interview. She did. She got the job on the spot. It was the beginning of her journey in the insurance world. Dulce joined the insurance industry on November 2, 1985. She obtained an Associate in Insurance Services from the Insurance Institute of America in 1999. She has accomplished so much in her 37 years of professional experience. Her commitment to help the insurance industry mixed with her vast knowledge and great leadership skills have resulted in a lot of value and betterment for everyone involved with her. Dulce specializes in personal lines and commercial habitational risks, such as Condominiums and Homeowners Associations. She is a Vice President and Sales Producer of Acentria Insurance in Miami, Florida. She is a consumer advocate, insurance educator, and proven leader. She has won many awards and recognitions. In the National Association of Insurance Women (NAIW) of Florida she won the Kay Cooper Memorial Award (1994) and Insurance Professional of the Year (1999). The Latin American Association of Insurance Agencies (LAAIA) recognized her with the Insurance Professional of the Year -Woman- in 2002 & 2006. She won the LAAIA-Broward-Lifetime Achievement Award in 2018. She won the AAMGA Association Achievement Award in 2002. She was named one of 95 in the 2018 Elite Women in Insurance of the Insurance Business America.Dulce currently serves as the Citizens Property Insurance Corporation liaison for the LAAIA and has been appointed to the Agents Round Table since 2007. In 2015, she was appointed to the Citizens Depopulation Modernization work group that helped pass legislation that created the depopulation process in place today in Florida. In 2016, she was chosen as 1 of the 10 finalists out of 77 applicants for the position of Insurance Commissioner of the State of Florida. In 2006, she was appointed by then CFO Alex Sink, to the Financial Literacy Council where she served on the Florida Alliance on Hurricane Insurance. She is the Past President of the local chapter of the NAIW and of the LAAIA, and has chaired the Legislative Committee of both associations and therefore she makes annual trips to Tallahassee and Washington, D.C. Dulce has also been a Board Member of the American Insurance Marketing and Sales Society since late 2016 and she is currently their Board President.Dulce is a trusted and credible voice. She is a go-to person for the South FL media. Has appeared in: CBS 4, NBC 6, ABC 10, CNN, CNNE, Univision 23, Univision Radio, Telemundo, TeleMiami, Miami Herald, Sun Sentinel, Insurance Journal, Rough Notes, and Independent Agent Magazine. FUN facts: Since Dulce is Cuban she absolutely loves the beach. She can live on the beach forever and be happy. She loves to fish, snorkel, swim, and to lay out the beach. To get in contact with Dulce, please connect with her on LinkedIn.

Speakers In this Episode In Order:Marguerite Tortorello, Managing Director of Insurance Careers Movement and President of Tortorello Communications CompanyKyle Steele, PL Product Management Supervisor at COUNTRY Financial®Scott Fleming, MBA, CPCU, Multiline Claims Manager at Erie Insurance GroupY'llon Harron, Small Business Underwriter Leader at WestfieldNonya McNiel, CIC, CPIA, District Sales Manager at Erie Insurance Group

In this throwback episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Vonda Copeland, CPIA, CWCU, VP of Operations at Copeland Insurance Agency, and Custom Harvest Insurance, LTD. Vonda talks about the obstacles she faced in succeeding her goals in life, what they have been accomplishing in their agency, how they utilize technology, and how they manage their producers. Episode Highlights: David introduces Vonda Copeland. (1:24) Vonda shares her background and her career in the insurance industry. (3:59) Vonda mentions that she is currently doing a lot of work with foster kids. (7:00) Vonda shares a story about her parents. (9:31) David mentions that he would instead teach his kids the right way to guide themselves through a properly calibrated moral compass than a full wallet. (18:14) Vonda shares how her offices look like. (18:49) Vonda says that they started as a community-based operation. (20:34) What was the process that they used to determine what they want to automate and leverage technology? (22:36) Along the lines of technology, does Vonda and her team use a CRM? (26:09) Vonda mentions that they are currently using Agency Zoom, and they are gradually building a better pipeline system. (26:13) Kyle mentions that not all producers are early adopters. (28:25) David shares that he's not advocating the agencies moving to everything fully automated, but sometimes agencies miss out on business because they don't make it easy for people to do business. (34:04) Vonda says that automation exposes your weaknesses. (35:46) Vonda mentions that she created her technology stack list. (35:56) Vonda shares that she's always continually looking for something that will integrate, and if it does not integrate, she refuses to make her people do double entry. (37:47) Vonda explains why she loves using Podium. (38:26) Vonda mentions that they started using the beta testing of Podium's video chat. (41:57) Vonda shares her feedback with AMS 360. (44:38) Vonda shares a story about the conversation she had yesterday with a couple of people in her smaller Hangout group. (51:53) David talks about his biggest fear. (54:37) Do Vonda and her team have it set up on individual policies, or is it a program that they administer as the captive? (59:14) Vonda shares that the work comp program is a program that they have put together with a new carrier. (1:00:12) Tweetable Quotes: “It took a while of trying different things. But when you do that, you're not afraid of change. When you go through that...you're not afraid to try something and suck at it because it's like, “Okay, try something else.” And I think that definitely changes my approach to how I work in the office.” - Vonda Copeland “You have to really be careful where you're going to allow that automation into where you feel comfortable to where it's not going to do more harm than good.” - Vonda Copeland “Gratitude is the name of the game.” - Vonda Copeland Resources Mentioned: David Carothers LinkedIn Kyle Houck LinkedIn Florida Risk Partners The Extra 2 Minutes Vonda Copeland LinkedIn Copeland Insurance Agency Custom Harvest Insurance, LTD

In this throwback episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Vonda Copeland, CPIA, CWCU, VP of Operations at Copeland Insurance Agency, and Custom Harvest Insurance, LTD. Vonda talks about the obstacles she faced in succeeding her goals in life, what they have been accomplishing in their agency, how they utilize technology, and how they manage their producers. Episode Highlights: David introduces Vonda Copeland. (1:24) Vonda shares her background and her career in the insurance industry. (3:59) Vonda mentions that she is currently doing a lot of work with foster kids. (7:00) Vonda shares a story about her parents. (9:31) David mentions that he would instead teach his kids the right way to guide themselves through a properly calibrated moral compass than a full wallet. (18:14) Vonda shares how her offices look like. (18:49) Vonda says that they started as a community-based operation. (20:34) What was the process that they used to determine what they want to automate and leverage technology? (22:36) Along the lines of technology, does Vonda and her team use a CRM? (26:09) Vonda mentions that they are currently using Agency Zoom, and they are gradually building a better pipeline system. (26:13) Kyle mentions that not all producers are early adopters. (28:25) David shares that he's not advocating the agencies moving to everything fully automated, but sometimes agencies miss out on business because they don't make it easy for people to do business. (34:04) Vonda says that automation exposes your weaknesses. (35:46) Vonda mentions that she created her technology stack list. (35:56) Vonda shares that she's always continually looking for something that will integrate, and if it does not integrate, she refuses to make her people do double entry. (37:47) Vonda explains why she loves using Podium. (38:26) Vonda mentions that they started using the beta testing of Podium's video chat. (41:57) Vonda shares her feedback with AMS 360. (44:38) Vonda shares a story about the conversation she had yesterday with a couple of people in her smaller Hangout group. (51:53) David talks about his biggest fear. (54:37) Do Vonda and her team have it set up on individual policies, or is it a program that they administer as the captive? (59:14) Vonda shares that the work comp program is a program that they have put together with a new carrier. (1:00:12) Tweetable Quotes: “It took a while of trying different things. But when you do that, you're not afraid of change. When you go through that...you're not afraid to try something and suck at it because it's like, “Okay, try something else.” And I think that definitely changes my approach to how I work in the office.” - Vonda Copeland “You have to really be careful where you're going to allow that automation into where you feel comfortable to where it's not going to do more harm than good.” - Vonda Copeland “Gratitude is the name of the game.” - Vonda Copeland Resources Mentioned: David Carothers LinkedIn Kyle Houck LinkedIn Florida Risk Partners The Extra 2 Minutes Vonda Copeland LinkedIn Copeland Insurance Agency Custom Harvest Insurance, LTD

In this throwback episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Ciara Gravier, CIC, PWCA, CPIA, Founder, and CEO of The Bunker Insurance & Risk Management. Ciara talks about her knowledge and expertise in the insurance industry and how COVID-19 has affected her business. Episode Highlights: David introduces Ciara Gravier. (1:24) Ciara shares that they started their company in January 2019. They hired their first producer in November and three telemarketers before the pandemic happened. (3:58) Ciara mentions that she started her agency on paper about a year and a half ago, but they have been hitting it hard since January. (13:52) Ciara thinks that the hardest part when the COVID-19 happened, was that it was the same time when they were trying to reinvent themselves. (14:48) Ciara mentions that they have commercial experience but not in the middle market. (15:38) Ciara thinks that the insurance industry is still very heavily male-dominated, but she surrounded herself with a lot of men that believe in her, probably more than she does. (16:52) Ciara shares a story about a prospect that was referred to her by a good referral partner. (18:04) Ciara mentions that the carrier appointments have been a big challenge for them, especially in South Florida. (30:14) Ciara explains that apart from COVID-19, focusing on their content and videos has also been a challenge for them. (40:51) Ciara shares that her father always tells her to remember the big picture and not to get caught up in the little things. (45:36) Ciara shares her advice for the listeners, that you have to be patient with the process, find a mentor, find a skilled agent and follow them, and try to spend time with them and learn from them. (55:37) Tweetable Quotes: “You have to get your designation. Because having those letters behind your name is going to help you with adversity, you're going to face being young and being a woman, some people just don't take the advice seriously.” - Ciara Gravier “I think honestly, some women might feel like they belong in the desk processing certificates. No, not at all. Any woman can do this job in the agency and run the show. It's not limited to just picking up the phone.” - Ciara Gravier “I understand being an underwriter, the people that feed you the most and feed you the best are the ones that get your first attention. So it has been very difficult to find an underwriter that we can bond with, that responds to us quickly.” - Ciara Gravier “I just want to be able to take care of my family, I don't need to have a million houses. I just want the flexibility, this job, and owning an agency does give you flexibility in your life.” - Ciara Gravier “I think that I don't see myself working anywhere else but insurance, and I also think it's something I can do until I retire...I want to live a good life, a comfortable life, and take care of my family.” - Ciara Gravier Resources Mentioned: David Carothers LinkedIn Kyle Houck LinkedIn Florida Risk Partners The Extra 2 Minutes Ciara Gravier LinkedIn The Bunker Insurance & Risk Management

In this throwback episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Ciara Gravier, CIC, PWCA, CPIA, Founder, and CEO of The Bunker Insurance & Risk Management. Ciara talks about her knowledge and expertise in the insurance industry and how COVID-19 has affected her business. Episode Highlights: David introduces Ciara Gravier. (1:24) Ciara shares that they started their company in January 2019. They hired their first producer in November and three telemarketers before the pandemic happened. (3:58) Ciara mentions that she started her agency on paper about a year and a half ago, but they have been hitting it hard since January. (13:52) Ciara thinks that the hardest part when the COVID-19 happened, was that it was the same time when they were trying to reinvent themselves. (14:48) Ciara mentions that they have commercial experience but not in the middle market. (15:38) Ciara thinks that the insurance industry is still very heavily male-dominated, but she surrounded herself with a lot of men that believe in her, probably more than she does. (16:52) Ciara shares a story about a prospect that was referred to her by a good referral partner. (18:04) Ciara mentions that the carrier appointments have been a big challenge for them, especially in South Florida. (30:14) Ciara explains that apart from COVID-19, focusing on their content and videos has also been a challenge for them. (40:51) Ciara shares that her father always tells her to remember the big picture and not to get caught up in the little things. (45:36) Ciara shares her advice for the listeners, that you have to be patient with the process, find a mentor, find a skilled agent and follow them, and try to spend time with them and learn from them. (55:37) Tweetable Quotes: “You have to get your designation. Because having those letters behind your name is going to help you with adversity, you're going to face being young and being a woman, some people just don't take the advice seriously.” - Ciara Gravier “I think honestly, some women might feel like they belong in the desk processing certificates. No, not at all. Any woman can do this job in the agency and run the show. It's not limited to just picking up the phone.” - Ciara Gravier “I understand being an underwriter, the people that feed you the most and feed you the best are the ones that get your first attention. So it has been very difficult to find an underwriter that we can bond with, that responds to us quickly.” - Ciara Gravier “I just want to be able to take care of my family, I don't need to have a million houses. I just want the flexibility, this job, and owning an agency does give you flexibility in your life.” - Ciara Gravier “I think that I don't see myself working anywhere else but insurance, and I also think it's something I can do until I retire...I want to live a good life, a comfortable life, and take care of my family.” - Ciara Gravier Resources Mentioned: David Carothers LinkedIn Kyle Houck LinkedIn Florida Risk Partners The Extra 2 Minutes Ciara Gravier LinkedIn The Bunker Insurance & Risk Management

TED A. KINNEY, CIC, CPCU, ARM, CPIA, AAI, AU, AINS, CRIS, AAMTed Kinney is the owner/President of Kinney Training and Consulting, LLC, which specializes in providing quality insurance training programs to agencies and companies throughout the United States. Ted also serves as the Director of Education and Technical Affairs for the Alabama Independent Insurance Agents in Birmingham, Alabama.  In this position, he is responsible for developing agent education programs and providing technical assistance to association members.Ted has been in the insurance business since his graduation from the Ohio State University in 1973.  During his career, he has worked as an underwriter, field sales manager, department supervisor, marketing specialist, trainer, and insurance agent.  From 1994 to 2003, Ted was the Director of Curriculum and Faculty Development for PIA of Ohio & Indiana.  He is a member of the national faculty of the Society of Certified Insurance Counselors, the American Insurance Marketing Society (CPIA), and the Independent Insurance Agents and Brokers of America's “ask the expert” service.  In addition, Ted is a member of the Society of Certified Insurance Counselors and the National Academy of Producer Insurance Studies.

Today's episode is one of several episodes about how to get started in the insurance business. I'm not talking about becoming an agent, I'm talking to those of you that are thinking about starting an agency, an insurance company, or an an insuretech business. There's a lot more to hanging a shingle that says you are open. As part of the planning process for starting a business there are some concepts to consider, these are about yourself. As exciting as it is to start a business, there's a lot to consider. It's not all glamor and glory! Most business owners would agree it's a lot of hard work, a lot more than they expected. It's long days, weekends and holidays. Many business owners lose their marriages over their business. As I mentioned in the last business, 90% of business fail in the first year.  The circumstances around why they fail vary, but often it's with the concepts I'm discussing today.   In the last episode we talked about why business fail:   Lack of a marketing plan  Missed market shifts  Ignoring the customer Lack of financial understanding Poor management Location  Motivation  Life's distractions  Lack of planning  INTRO FOR PART 2 - RECAP THE ABOVE AND THINKING BIGGER AND W HY YOU WANT TO START A BUSINESS The first thing I want to talk about is    Thinking Bigger As you are thinking about starting a business, don't think about something small to just pay your bills or starting something as a hobby while you raise your family. Think in terms of building something that you can be proud of, that you can expand, most importantly, that you can sell! Think in terms of how you will build a team, how you'll grow so that it isn't just you doing all the work all the time. There are a lot of companies that encourage you to grow your business by recruiting - that's not what I'm talking about. Build a business where you own the business and the people on your team are your employees. While the network marketing concept works, I personally don't think that is a good business model at all. You don't have much control and it's not a model that you can scale and sell! One day I'll really talk about how I feel about network marketing and recruiting, but for this purpose, I want you to think about a team that supports you, that helps you to be more successful, that you can delegate to and have them expand your brand. Women who start businesses often have a smaller vision. Don't get mad at me for saying that but after teaching this presentation for over 5 years, it's something that I've witnessed firsthand. Women who start businesses often think about a business that is close to home and around their family and not something that is  scalable. I can't tell you how many women want to start a baking or food business or a party business for kids. I'm not saying that's a bad idea but after many of them have done their market research they realized that it wasn't a business that they could really make a profit or build to sell.  Insurance is a little different. Since COVID, a lot of people have realized that they can run this type of a business virtually, but I'm not sure if that is sustainable long term. Good market research will help to prove that. There are so many different type of insurance businesses that you can start: i.e. an agency, a brokerage, an FMO, an insurance company, a captive, a direct writer. You can focus on life, health, personal lines, commercial, yachts, tech or international. Under the umbrella of insurance, you have a lot of choices! This is why you need a plan. I talk about having a plan all the time but remember fail to plan, plan to fail.  ADVERTISEMENT This episode of the business of  insurance podcast is brought to you by insurancemailbox power. Part of being a business owner is implementing systems and processes that can be automated as much as possible.  As you are planning your new business, you need to be thinking about your marketing. Insurancemailboxpower.com is a great platform for this. You can send post cards to prospects, regular cards to clients and referralpartners You can test the markets with just an investment of a few hundred dollars and send a mailing to a list of prospects.  When you start a new business if you are going solo, there are a lot of balls to manage at one time.  The more you can automate, the more time you will have for business development.  If you want to learn more, go to insurancemailboxpower.com. Sign up for your free 14 day trial and see how you can automate some of your marketing. Understand yourself better:  Why do you want to start a business?  This is the most important conversation you need to have. I mentioned it a little in the last episode, don't go into business because you think you can do it better than someone else….unless you really can.  Here's some reasons why people go into business: Create a career for yourself - while there is plenty of employment opportunities today in 2022, that wasn't always the case. Back in the 80's a lot of people went to college and couldn't get jobs. When we went into lockdown with COVID and a lot of people lost their jobs, and the entrepreneurial type started delivering groceries and filling grocery orders.  People will find work when they need to. Starting an insurance business can be a great career - the question is, are you better as a business owner or as an employee or subcontractor to someone? Some people go into business because There's a demand for what you are selling. Insurance is a product that people need, but not all people know they need insurance. Not all people want to spend the money for something they may never use. If you are connected to a few auto dealerships, it's easy to get auto insurance from new car buyers.There's a demand because people can't drive their car off the lot without car insurance. If you are connected to some mortgage lenders, it is easy to sell homeowners insurance because people can't go to closing without homeowners. I was speaking to someone recently who couldn't understand why she had to pay money for automobile insurance all of her life and she's never had an auto claim. Money spent for nothing is the way she looked at it. So while people need insurance, it's not always an easy sell like a new iphone or a new tesla! Another reason people go into business is because you want to make a difference - wanting to make a difference can be a good reason to go into business, especially insurance, because you can really make a difference in this industry. But are you setting up your business to make a profit while making a difference? Just something to think about. An obvious reason why people want to go into business it to make money - when you work for someone else, they often determine your salary. If you are on a commission basis, then you will determine your salary but not all commission positions pay fairly. And not every position can be sales…..it's a good reason to want to go into business, but it is also important to understand what it costs to get started and the ongoing business expenses of running a business. Money for marketing, taxes, general overhead can be more than you think. The expenses are ok so long as you are generating revenue, but there's a lot that goes into sales and business development! Travel - Many people go into business ownership to be able to work from anywhere. Since COVID, I've somewhat set my business up that way.  In the insurance business that is possible, especially with virtual meetings today but you need to make sure you are in compliance with state laws as you do this. You must also have a strong marketing plan in place where people can find you and send you business regardless of where you work. ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional  and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo.  Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful.  She is the co-author of Renewable Referrals and produces two other podcasts, Divorce Exposed and Seniors We Love.   Connect with Debbie on LinkedIn, Twitter or Instagram.  

In this episode of The Power Producers Podcast, David Carothers and guest co-host Ciara Gravier CIC, CRM, CCIC, PWCA, CPIA interview Sarah Muniz, author of the new book, Undiscovered Voices. Sarah talks about her experiences in the insurance industry and the benefits and value of having women in any industry. Episode Highlights: Sarah shares that he fell in love with the insurance industry since 2001. (3:13) Sarah explains how women, particularly those in the insurance industry, support one another (7:12) Ciara shares some of the reasons why she got all her designations. (13:14) Sarah explains that her book is about talent, the benefits of women, and the insurance benefits of women in leadership. (17:29) Sarah mentions that women lack confidence in their early years because they have to show their abilities many times before they feel confident. (23:13) Sarah believes that people must always improve both personally and professionally, in order ot keep moving forward. (34:39) Sarah discusses how long it took her to write her own story of her experiences. (38:13) Sarah believes that it's going to take men and women working together to make any real change. (51:20) Tweetable Quotes: “Women lack confidence because we have to prove that we can do something a lot of times before we feel confidence.” - Sarah Muniz “If you're not growing, you're dying. I mean, and that goes for you know, personally and professionally you have to always grow. Otherwise, you're going backward.” - Sarah Muniz “It's going to take men and women working together to make any real change.” - Sarah Muniz Resources Mentioned: Sarah Muniz LinkedIn David Carothers Ciara Gravier CIC, CRM, CCIC, PWCA, CPIA Florida Risk Partners The Extra 2 Minutes

In this episode of The Power Producers Podcast, David Carothers and guest co-host Ciara Gravier CIC, CRM, CCIC, PWCA, CPIA interview Sarah Muniz, author of the new book, Undiscovered Voices. Sarah talks about her experiences in the insurance industry and the benefits and value of having women in any industry. Episode Highlights: Sarah shares that he fell in love with the insurance industry since 2001. (3:13) Sarah explains how women, particularly those in the insurance industry, support one another (7:12) Ciara shares some of the reasons why she got all her designations. (13:14) Sarah explains that her book is about talent, the benefits of women, and the insurance benefits of women in leadership. (17:29) Sarah mentions that women lack confidence in their early years because they have to show their abilities many times before they feel confident. (23:13) Sarah believes that people must always improve both personally and professionally, in order ot keep moving forward. (34:39) Sarah discusses how long it took her to write her own story of her experiences. (38:13) Sarah believes that it's going to take men and women working together to make any real change. (51:20) Tweetable Quotes: “Women lack confidence, because we have to prove that we can do something a lot of times before we feel confidence.” - Sarah Muniz “If you're not growing, you're dying. I mean, and that goes for you know, personally and professionally you have to always grow. Otherwise, you're going backward.” - Sarah Muniz “It's going to take men and women working together to make any real change.” - Sarah Muniz Resources Mentioned: Sarah Muniz LinkedIn David Carothers Ciara Gravier CIC, CRM, CCIC, PWCA, CPIA Florida Risk Partners The Extra 2 Minutes

WHY DO BUSINESSES FAIL? EP 66 - In this episode, we are talking about the top 10 reaosns businesses fail and what you can do to keep your business from failing. This episode is one of several episodes about how to get started in the insurance business. I'm not talking about becoming an agent, I'm talking to those of you that are thinking about starting an agency, an insurance company, or an an insuretech business. These are real issues to consider. It's geared for those of you who are thinking about getting started or those that have started and are looking for ideas to build a better business. Every business has similar issues. It doesn't matter if you are an insurance agency, a contractor or a tech company. If you are running a business you will have similar challenges. So before you open your doors, before you invest in the expansion, give some thought to these concepts and work through them before you take the next plunge!    So to recap reasons why businesses fail: Lack of a marketing plan - Before you open your doors, have a marketing plan - if you take nothing else from this episode, it should be plan, particularly having a marketing plan. Missed market shifts - are you entering an area that is shifting? Is this the time to be a flood expert? Is this the time to sell long term care? Is this the time to be a virtual office or to have a brick and mortar location?  What is your plan to provide great customer service? If you are a solo preneurer, can you handle 20 calls a day, do your accounting, quoting and marketing? While your clients must come first, it's essential to have a plan to manage this Are you overexpanding before you are ready? How much more successful can you be if you just have one location? What do you know about your accounting?   What is your management style? Poor management is the fastest way to have high turnover and lose business. Are you a control freak? Are you meak and mild? If so, take a look at your management style. If you don't have the skillset, takes some classes on how to effectively manage or hire a good manager as soon as you can. Location - Can you prospects find you? Does your office feel inviting? Do you need a location? Motivation - why do you really want to open your own business? Makesure you are doing it for the right reasons. Life's distractions - do you have support if life gets in your way? What does that look like? Lack of planning - I mentioned that you need a marketing plan but you also need a business plan. It doesn't need to be a 50 page document but you do need a plan. Something to track and measure your success. Would you take a trip without a map? It's not different with your business.  Remember, FAIL TO PLAN, PLAN TO FAIL.    Remember, these are all just different reasons why businesses fail. Some of them you can't predict and some of them with some adjustments you can easily course correct. Having a realistic plan will really help you to see great results.  I don't want you to fail, I want you to succeed. But if you don't have experience running a business, these are concepts you need to think about to increase your chances for success!  UNTIL NEXT TIME KEEP CREATING OPPORTUNITIES CHECK OUT OUR SPONSOR: insurancemailboxpower.com This is a mailing service I've been using for over a year now and I love them.  I send all of my birthday cards, thank you cards and marketing post cards from this platform.  My birthday cards are automated. I set it and forget it. The only thing I have to do when I add someone new is to put them into the automation series and the rest is done for me! I have marketing mailings scheduled for several months. I blocked out two days to set everything up and now I just watch the phone ring! Check out Insurancemailboxpower.com and see how you can stay top of mind with your clients and referral partners. Tell them Debbie DeChambeau sent you! ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional  and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo.  Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful.  She is the co-author of Renewable Referrals and produces two other podcasts, Divorce Exposed and Seniors We Love.   Connect with Debbie on LinkedIn, Twitter or Instagram.  

SET UP YOUR BUSINESS PROPERLY EP 65 - Today's episode is one of several episodes about how to get started in business. Some of you might be working for someone now and thinking about going off on your own and some of you might just be entering the industry and doing so as an independent. If you are in either of these two categories or if you are someone that works with agents that are working independently, this episode is for you.  I started in this industry on the property and casualty side and quickly moved into commercial insurance when I started. Working with my dad, his personal lines clients were all starting their own businesses and they came to him for advice. We basically learned as we went along what we needed to do to help them. Fast forward 30 plus years, I've had many years of educating business owners about getting started. When I first started in sales, I got involved in teaching insurance to a local SCORE chapter. If you aren't familiar with SCORE, it's called Service Corp of Retired Executives. It's a division of SBA, the small business administration which is a wealth of information for business owners, new and experienced. If you aren't familiar with them, go to sba.gov to learn more. In this particular SCORE chapter, they did a 3 hour program for new business owners. The first hour was on accounting with a local CPA, the second hour was was legal, taught by a business attorney and the third hour was insurance, taught by yours truly!  The legal was mostly entity structures and contracts.  Since I went last, I always heard the lawyer's presentation which is how I learned so much! Fast forward 20 years, I started volunteering with the Maryland Women's Business Center and taught a class called The ABC's of Starting a Business. This class was 4 hours and went over why businesses fail, entity structures and then the next steps to get started in business.  I taught this program for over 5 years. It was my ‘give back' to the business community. I believe I educated over 500 new business owners in this program. The Women's Business Center is also a division of SBA, like SCORE, so we have to work within their guidelines.   Today I'm sharing a segment of that class, on entity structures. I see so many agents asking about them in the different groups I'm in and I want to clarify things about these entity structures that is essential to understand, especially if you are thinking about going the DIY route. I don't recommend DIYing this important segment of starting your business, but some people just want to save a few dollars and don't care about the rest.  Before getting started, my advice to people is to always talk to both your CPA and your attorney.  Why? - Your situation is different than mine as is your risk tolerance. I can't tell you what is right for you because I don't know your situation. So when you take advice from someone in a FB group or a stranger, you are creating potential problems for yourself! Your CPA can guide you better from a tax perspective. Understanding if it makes sense financially to set up one of these entities and getting guidance on how to do it properly from a tax perspective. Make sure your CPA has experience dealing with business owners as well. Some CPAs just do taxes or audits and aren't up on all the issues relating to business owners. You attorney will guide you from a legal perspective. Understanding the risks involved and how to create the proper documents, how to sign your contracts, how to handle multi states. All of these are essential if you are going to be in business for yourself. Make sure your attorney is a business attorney, not a criminal, divorce or personal injury attorney. Just like with the CPA, you want an attorney that focuses on working with business owners because they are usually more on top of the current laws around business owners and doing things properly. When I started in the business back in the 70's we basically had 3 different entity structures to choose from. You were a sole proprietor, partnership or corporation. In the mid 80's the LLC entity structure was beginning to emerge and it really began to pick up speed in the 90's. Now an LLC common place. There are some variations of different entity structures like a PLLC or an L3C or a B corporation. So, knowing which entity structure is right for you depends. For today, I'm only going to focus on the sole proprietor, LLC and corporation.  Let's start with sole proprietor - this is basically you the individual operating as a business owner. It's your name trading as (T/A) or doing business as (DBA) your insurance agency. My first insurance agency was Debbie DeChambeau t/a The DLD Group. I was a sole proprietor when I set up my first agency in 1990.  Being a sole proprietor allows you to deduct your business expenses at tax time, but it does not provide any person legal protection.  You'll get some protection from your general liability or your professional liability policies, but if you lose your case, you could also lose your house and all of your assets, depending on the court ruling. You'll want to check with your state, but most states require you to complete a form with the state that you have created your business and you'll want to get a tax ID number in the name of that business. Once you've done those two, then you go to the bank and open a business account and have all of your business income deposited into that account. You can have it deposited into your personal bank account, but that means you are mixing funds which can become an accounting problem, so it's best to keep them separate and pay yourself when you need to. Again, your accountant can guide you through this better but these are the basics. If you decide to create a corporation, also known as the letters INC, then you are basically setting up a separate entity. I like to think of it as another person, and that's the business. When set up and managed correctly, a corporation protects the personal assets of the stockholders, president, VP, etc, which is usually you, the business owner. When setting up a corporation, you create articles of incorporation, establish bylaws, appoint directors, have a shareholders agreement. These documents must be set up according to the laws of your state and include the right information about your business. When it comes to taxes, the corporation files it's own taxes then the stockholders use that information on their individual taxes. This has long been a complaint of corporations, having to do the business return, then do the individual return. It's where the term, ‘double taxation' is often used. You might have heard the term, don't pierce the corporate veil. This is a test if there is a lawsuit that would protect the stockholders and officers personally. It's essential that everything is done correctly for that protection to prevail.  If you are in the commercial / business side of insurance industry, this is something you probably know well., Those of you in other areas of insurance, might have heard this in passing but never really understood it. If you are going ot be in business this is the one of the most important pieces you should understand By everything I'm referring to contracts, agreements, processes, etc. This is where your attorney can fill you in better, but bottom line, if you are going through the expense of setting up a corporation then it's important to do everything correctly. Before I talk about a limited liability company, let's hear from our sponsor: This episode of the business of  insurance podcast is brought to you by insurancemailbox power.com Part of being a business owner is implementing systems and processes that can be automated as much as possible. Let's talk about onboarding new employees or team members, especially since we are talking about entity structures today.  In an era when a lot of business owners are struggling to find staff, how do you make a new employee feel welcome, make them glad they decided to work with you? Everyone wants to be recognized, so lets talk about how you could go above and beyond to make your employees really glad they are part of your organization.   Let's start with day one - what if you have a coffee mug with their name on it, a box with brownies and popcorn to get them through the first week.  Maybe week 3 you send the employee a water bottle with their name on it and a card letting them know that you are glad to have them on board.  From there, you could set up a system that something is mailed to your employee every month or every other month. Maybe you send a gift card, maybe you send a phone holder, coasters or or a personalized notebook  When you have an account with insurancemailboxpower.com you can set this up and let it run for as long as you want to delight your employees. If you want to learn more, go to insurancemailboxpower.com. Be sure to indicate Debbie DeChambeau sent you. When you sign up for a pro or executive account, I'll share some of my designs with you that have been generating results for me! Now, let's talk about LLC's An LLC is a limited liability company. Many people want to call it a corporation, but technically, it isn't.  As I mentioned earlier, there were very few LLC's prior to the mid 80's. When they were first created, many businesses were hesitant to set them up because the corporate veil hadn't been tested. Business owners were concerned if an LLC  would really protect them like a corporation. In the 90's more and more states allowed them and now they are fairly common place.  An LLC designed to provide the legal protections like a corporation but the tax structure is different with an LLC, it's similar to a sole proprietor.  An LLC can elect to be taxed as a sole proprietor, partnership, S corporation or C corporation. This is one of the reasons a lot of companies are attracted to the LLC. It's also why it is essential to talk to your CPA about this. Some people think an S Corporation is an entity structure….it's a type of tax filing! An LLC should have an operating agreement which states how the business is conducted and how management and ownership is structured.  Not all states allow single member LLC's so it's important to understand the rules in your state and the states that you operate in. It's also important to understand how to run and manage your LLC, not just from an accounting perspective but from a legal perspective. If you aren't looking to protect your personal assets, then consider being an LLC. This is a good reason to work with a business attorney and not DIY it! Understanding that most people set up an LLC or Corporation to protect their assets is one thing, but why go through the work of setting up the business if you don't do it properly. Basically, you'll have wasted a lot of time and money. So do it properly and protect yourself the right way. Work with an attorney and and accountant and understand your obligations and responsibilities with the entity structure you select. A lot of people starting out just set themselves up as a sole proprietorship. It's less expensive. It's when the business owner has assets to protect, having the proper entity structure is essential and managing that entity is imperative. I want to reiterate that I am not an attorney or an accountant. This information is intended to give you an overview of your options. To learn more, go to sba.gov for the best information, then seek out a business attorney and CPA for local guidance.  It's your business. Run it like a business, not a hobby. Do it right! Until next time, keep creating opportunities. ….and support our sponsor! CHECK OUT OUR SPONSOR: insurancemailboxpower.com This is a mailing service I've been using for over a year now and I love them.  I send all of my birthday cards, thank you cards and marketing post cards from this platform.  Check out Insurancemailboxpower.com and see how you can stay top of mind with your clients and referral partners. Tell them Debbie DeChambeau sent you! ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional  and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo.  Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful.  She is the co-author of Renewable Referrals and produces two other podcasts, Divorce Exposed and Seniors We Love.  Connect with Debbie on LinkedIn, Twitter or Instagram.  

On this episode of Estimate Rocket Radio, Aaron Moore  from PPD joins us to share how his company planned big leaps in growth, moving from residential to commercial work and breaking through barriers in small business growth in a very short time. Aaron reminds us that cash and credit management is imperative to planned growth, and leadership from one growth phase to the next requires a different mindset for each phase, and the support of superior leadership team members that are committed to growth and change.Learn more about CPIA.

Today, we are sharing a wonderful episode from an interview done by Clare DeNicola to our host Ariel Rivera, MBA, CIC, CPIA for an article in the PropertyCasualty360 magazine. Clare is the owner of the the 10 company llc, a highly strategic, service-oriented, women-owned business dedicated to helping C-level executives transform their businesses using marketing, sales and communications. They work with F500 companies as well as emerging tech companies in insurtech and healthcare technology.They talk about the history of Fun Insurance Solutions, social media, and why humor might help you build stronger and better relationships. Enjoy this great episode and let 2022 begin...Remember to subscribe and download our episodes in your iPhone, Android, or Spotify.#funinsurancesolutions #podcast #podcastenespñol #insurance #seguros #puertorico #usa #usvi

Disfruta de este gran episodio con nuestro Host Ariel Rivera, MBA, CIC, CPIA. Ariel es un profesional de seguros con más de 17 años de experiencia en la industria de seguros. Fundó su primera agencia de seguros independiente en San Juan, Puerto Rico en el 2005. En el 2008 se convirtió en miembro de la facultad de The National Alliance for Insurance Education & Research. Desde el 2015, Ariel ha fungido como Director Nacional de Professional Insurance Agents of Puerto Rico & The Caribbean (PIA of PRC) una afiliada de la National Association of Professional Insurance Agents (PIA National). En el 2018 Ariel se unió a la Junta de Directores de la American Insurance Marketing & Sales Society (AIMS Society) en la cual trabaja activamente en la educación continua de seguros y también es miembro de su facultad.En el 2019 Ariel fundó Deer Insurance Agency, LLC, en Jacksonville, FL, una agencia de seguros independiente que se especializa en soluciones de seguros para el hogar, automóviles, inundaciones y pequeñas empresas. A finales de 2020 también fundó Fun Insurance Solutions, LLC, una agencia de marketing y asesoría dedicada a ayudar a los profesionales de seguros en todo Estados Unidos de América, Puerto Rico y las Islas Vírgenes de EE.UU a través de educación, podcasting, talleres y bootcamps.El 23 de septiembre de 2021, Ariel fue instalado como oficial de PIA National durante la reunión de la junta de directores de la asociación celebrada en Detroit, Michigan. Ariel prestó juramento como Secretario/Asistente de Tesorero junto con sus compañeros oficiales que componen el Comité Ejecutivo de PIA National: Tony Curti de Bloomfield Hills, Michigan, Presidente; Gerald F. Hemphill de Richmond, Virginia, Presidente Electo; Richard A. Savino de Warwick, Nueva York, Vicepresidente/Tesorero; y Wayne F. White de Conway, Arkansas, Inmediato Pasado Presidente. Para más información sobre Ariel presiona aquí. Puedes visitar las siguientes páginas en facebook: Deer Insurance Agency y Fun Insurance Solutions.Haz CLICK AQUI para darnos "Like" en Facebook.Haz CLICK AQUI para seguirnos en Instagram.Haz CLICK AQUI para seguirnos en LinkedIn.Please remember to subscribe to our podcast and download our episodes on your iPhone, Android, Spotify, or iHeartRadio. 

Disfruta de este gran episodio con nuestro Host Ariel Rivera, MBA, CIC, CPIA. Ariel es un profesional de seguros con más de 17 años de experiencia en la industria de seguros. Fundó su primera agencia de seguros independiente en San Juan, Puerto Rico en el 2005. En el 2008 se convirtió en miembro de la facultad de The National Alliance for Insurance Education & Research. Desde el 2015, Ariel ha fungido como Director Nacional de Professional Insurance Agents of Puerto Rico & The Caribbean (PIA of PRC) una afiliada de la National Association of Professional Insurance Agents (PIA National). En el 2018 Ariel se unió a la Junta de Directores de la American Insurance Marketing & Sales Society (AIMS Society) en la cual trabaja activamente en la educación continua de seguros y también es miembro de su facultad.En el 2019 Ariel fundó Deer Insurance Agency, LLC, en Jacksonville, FL, una agencia de seguros independiente que se especializa en soluciones de seguros para el hogar, automóviles, inundaciones y pequeñas empresas. A finales de 2020 también fundó Fun Insurance Solutions, LLC, una agencia de marketing y asesoría dedicada a ayudar a los profesionales de seguros en todo Estados Unidos de América, Puerto Rico y las Islas Vírgenes de EE.UU a través de educación, podcasting, talleres y bootcamps.El 23 de septiembre de 2021, Ariel fue instalado como oficial de PIA National durante la reunión de la junta de directores de la asociación celebrada en Detroit, Michigan. Ariel prestó juramento como Secretario/Asistente de Tesorero junto con sus compañeros oficiales que componen el Comité Ejecutivo de PIA National: Tony Curti de Bloomfield Hills, Michigan, Presidente; Gerald F. Hemphill de Richmond, Virginia, Presidente Electo; Richard A. Savino de Warwick, Nueva York, Vicepresidente/Tesorero; y Wayne F. White de Conway, Arkansas, Inmediato Pasado Presidente. Para más información sobre Ariel presiona aquí. Puedes visitar las siguientes páginas en facebook: Deer Insurance Agency y Fun Insurance Solutions.Haz CLICK AQUI para darnos "Like" en Facebook.Haz CLICK AQUI para seguirnos en Instagram.Haz CLICK AQUI para seguirnos en LinkedIn.Please remember to subscribe to our podcast and download our episodes on your iPhone, Android, Spotify, or iHeartRadio. 

In this episode of The Ryan Hanley Show, Ciara Gravier CIC, CRM, CCIC, PWCA, CPIA, Founder and CEO of The Bunker Insurance & Risk Management joins the show to share all her secrets to winning the start-up independent agency game. Ciara is someone I've personally been a fan of for a long time and it was an absolute pleasure to be able to spend time and learn more about her story. You're going to love this episode...Episode Highlights: Why did Ciara establish her own agency? (5:15) Did Ciara ever regret letting the Allstate brands go? (8:09) Ciara shares what they did when she first started the agency. (12:41) Ciara mentions that they were able to assist others in starting their own businesses from the ground up. (15:16) Ciara discusses some of the challenges of not having direct appointments. (18:28) Ciara explains why including business in the books has been difficult for her.  (25:02) Ciara explains why engaging in the killing commercial is one of the best things their agency has ever done. (30:53) Ciara mentions that she enjoyed the podcast with Ryan and James Jenkins. (44:26) Ciara and Ryan discuss Crypto. (51:42) Ciara shares why she believes that her agency is on the right track. (1:04:04) Key Quotes: “We're able to help these people find an attorney, find an accountant, you know, set up their businesses from the ground up. They can trust us.” - Ciara Gravier “So we joined Killing Commercial and that has really been the best thing that we've done.” - Ciara Gravier “What's great about this industry is that everyone can achieve success however they want. And everyone has a different roadmap to it.” - Ciara Gravier Resources Mentioned: Ciara Gravier LinkedIn The Bunker Insurance & Risk Management Reach out to Ryan Hanley Learn more about your ad choices. Visit megaphone.fm/adchoices

Kryzten Valerio is The National Alliance's very own Client Services Lead and Trainer, who brings six years of experience in client-facing roles to her position. She leads her team in developing new and strengthening existing relationships with our participants and vendors. She is passionate about Hispanic representation and brings that passion to all aspects of her life. Outside of her role at The National Alliance she is a photographer and runs a foodie blog with her husband: the ultimate foodie guide in ATX.Devin Delatorre is the result of more than three decades of his family's insurance business. After he acquired his Bachelors in Business Administration, he obtained his 220 licenses and CPIA designation. He is also the president of the LAAIA. He has served seven years as a board member. In his position as executive partner in Delatorre Insurance, he has strived for the last several years to grow his business and uphold his father's legacy. In his leisure time, he loves to watch and play all kinds of sports and travel with his family.Ariel Rivera, MBA, CIC, CPIA has been in the Insurance industry since 2004 when he began his career in the John Hancock's Career Agent Program. That same year he obtained his Bachelor's Degree in Social Sciences with a double major in Economics and Political Science from the University of Puerto Rico. He also became licensed in Life & Health and Property & Casualty in 2005. As part of his college education, in 2001 he attended the University of Massachusetts (UMASS) in Amherst, MA as a member of the National Student Exchange Program. In 2005 he started his first independent insurance agency in San Juan, PR. Early in his career, he became passionate about teaching and coaching insurance and started instructing new agents at different agencies in Puerto Rico. While working in the insurance business and already an Independent Agency Owner, in 2007 he obtained his Master's in Business Administration Degree (MBA) from the Interamerican University of Puerto Rico. In 2008, Mr. Rivera obtained his Certified Insurance Counselor (CIC) designation from The National Alliance for Insurance Education & Research. That same year, he founded Ariel Rivera & Asociados, Inc. Insurance Agency, specializing in Commercial Property & Casualty Insurance. His enthusiasm for insurance education and his passion for the industry led him to become a faculty member at The National Alliance for Insurance Education and Research. There, he teaches the Certified Insurance Service Representative (CISR) program and serves as a mentor for new instructors entering the CISR faculty. Since 2015, he has served as the National Director of Professional Insurance Agents of Puerto Rico & The Caribbean (PIA of PRC) for the National Association of Professional Insurance Agents (PIA National). In 2018 he also joined the Board of Directors of the American Insurance Marketing & Sales Society (AIMS Society) where he works actively in insurance continuing education and is also a faculty member. In 2019 he founded Deer Insurance Agency, LLC, in Jacksonville, FL: a scratch independent insurance agency that specializes in home, auto, flood, and small business insurance solutions. At the end of 2020, he also founded Fun Insurance Solutions, LLC, a marketing and advisory agency dedicated to helping insurance professionals around the country, Puerto Rico, and USVI through education, podcasting, workshops, boot camps, and Mergers & Acquisitions (M&A). In September 2021, he was elected to the PIA National Executive Committee, where he will go through the Executive Committee chairs until September 2024 when he will become the PIA National President.

AFA Research & Education đã mua bản quyền Bộ phim đào tạo nổi tiếng “False Assurance” (Kiểm toán sai phạm) do Viện Kế toán Công chứng Anh và xứ Wales (ICAEW) sản xuất tích hợp vào chương trình đào tạo Kiểm toán nội bộ chuẩn quốc tế (CPIA). Bộ phim được phụ đề tiếng Việt.

Discussions with:James RiddleMCSE, CIP, CPIA, CRQMVP of Research Services & Strategic ConsultingAdvaraBarbara SchneiderPh.D., MBAExecutive Director of Biostatistical ServicesAdvarra

In the seventh episode of the Sharing Knowledge Series, our host and chief lending officer, Kevin Vonderau, is joined by Michael Jarrett, president at Jarrett Logistics Systems, and Jason Stevenson (CIC, CPIA, MBA), vice president at Oswald. Together, they discuss the future of transportation and logistics, while exploring its impact on the insurance industry.We want to hear your feedback. Take our survey at westfield-bank.com/sks.Have questions? Email westfield-bank@westfield-bank.com.

In the seventh episode of the Sharing Knowledge Series, our host and chief lending officer, Kevin Vonderau, is joined by Michael Jarrett, president at Jarrett Logistics Systems, and Jason Stevenson (CIC, CPIA, MBA), vice president at Oswald. Together, they discuss the future of transportation and logistics, while exploring its impact on the insurance industry.We want to hear your feedback. Take our survey at westfield-bank.com/sks.Have questions? Email westfield-bank@westfield-bank.com.For legal information and resources, visit westfield-bank.com/sharing-knowledge/disclaimer.

In the seventh episode of the Sharing Knowledge Series, our host and chief lending officer, Kevin Vonderau, is joined by Michael Jarrett, president at Jarrett Logistics Systems, and Jason Stevenson (CIC, CPIA, MBA), vice president at Oswald. Together, they discuss the future of transportation and logistics, while exploring its impact on the insurance industry. We want to hear your feedback. Take our survey at westfield-bank.com/sks. Have questions? Email westfield-bank@westfield-bank.com. For legal information and resources, visit westfield-bank.com/sharing-knowledge/disclaimer.