Two for Tuesday Header
In This Issue:
Covering What's Under the Tree
A "Specialty" Holiday Story
Special Feature: An Ode to Member Benefits
Additional Items:
New Webinars
Holiday TRIVIA! Winners & Answers
Last Week's Most Clicked
Sale of the Week

A Hollywood Christmas
Do you remember the Tom Hanks' movie Big? A short, 12 year old boy makes a wish after dropping a quarter into the fortune-telling machine Zoltar. The next morning his wish is granted and he is now in the body of his 30-year old self. One memorable moments of the film is Hanks and Robert Loggia playing "Heart & Soul" and "Chopsticks" on a foot-operated keyboard. Despite the movie being 26 years old one of the "hottest" gift items this Christmas season year is the Zoltar machine. I'm not saying a giant keyboard and a Zoltar machine will be under every tree but expensive gifts abound and movie memorabilia never go out of style. Check with your clients after the holidays to make sure that if they've gotten any expensive gifts they get them properly covered. That goes double for commercial accounts.
Remember Planet Hollywood restaurants? They were filled with actual movie props from small items to costumes to vehicles. Would an Iron Man suit be a costume or a vehicle? In the movie Who’s Harry Crumb? the main character rides a bicycle into a valuable display of dinosaur fossils and destroys a fossilized egg. A simple property policy wouldn't begin to cover them but a Stand-alone Valuable Articles Program policy from Big "I" Markets could.

As a BIM agent you have access to a stand-alone valuable articles product that can help cover a diverse range of risks including fine arts, jewelry, antiques, silverware, coins & stamps, memorabilia, gun collections, fine wine, musical instruments as well as other collectibles. Coverage is not offered for the following items: Hearing Aids, Handbags, Professionally used Musical Instruments/ Equipment; Electronic Equipment (including but not limited to: Video Game systems, Computers, i-Pods, Professionally used Cameras). Bicycles are covered under the Bicycle Program.  
Special Feature:
An Ode to Member Benefits
by Elif Wisecup Director of Marketing of Big I Advantage®

Please enjoy our lighthearted overview of member benefits available to you through Big I Advantage®. For more information on any of these programs, use the links below or call 800-221-7917.

An Agent's Night Before New Year's

'Twas not long 'til New Year's
(Which seemed beyond belief)

So I thought to myself,
I'll turn over a new leaf!

As a proud member of my amazing Big "I" state association,
I get national membership, too! What a great realization.

Spent 2014 growing my book as best I was able,
But was it possible I left some member benefits on the table?

I shipped packages all year, but I paid full price!
With my this UPS discount, that expense can be sliced.

I saved for retirement but paid high plan fees.
Next year, I'll wise up, and get a quote from Christine!

I sent out applications the old-fashioned way.
That's about as efficient as taking a sleigh.

In 2015, I'll switch to DocuSign,
And by 2016 I'll improve my bottom line.

I hired some staff but forgot to use Caliper.
With my next addition, I'll use personality testing for sure!

I banked with a random bank I saw on TV,
This year I'll try InsurBanc, a bank designed for me!

What else can I do to make money and grow?
Is there more I can access? I'm feeling gung ho!

I'll get a fresh quote from Big "I" Professional Liability,
Then, to help avoid claims, I'll subscribe to VRC.

I'll offer personal umbrellas to every client.
I'll visit E&O Happens to ensure I'm compliant.

I'll roll my flood book to Big "I" Flood now,
So that in the event of a storm my clients, won't have a cow.

And before the year starts, I'd be wasting my dues
If I skipped Big "I" Markets for a quick product review.

On affluent homeowners! On non-standard, ho!
On bonds, on marine, on events! LRO!

On travel insurance and on, vacant dwelling!
On commercial, on bicycles, let's go and get selling!

Yes, 2015 is the year I'll take advantage.
I'll maximize every Big "I" benefit I can manage.

And this time next year, you'll hear me say with delight,
"Big I Advantage® offered it all, and helped my agency take flight!"  
A "Specialty" Holiday Story
I sat down with F. Rozen of The L. Venn Insurance Agency who recently landed the biggest client of his career. He was able to meet all of his client’s needs through his access to Big “I” Markets. While he wouldn’t reveal the name of his client (we’ll just call him SC) he first met him a long time ago when SC was seeking At-Home Business coverage for a start-up he was planning.
SC is a famous philanthropist and he is also a global traveler so F. Rozen started with International Advantage for liability coverage and a Travel policy for a one-day trip*.  SC employs a large workforce which required Employers Professional Liability as well as Workers Compensation, while his charitable organization needed Non-Profit D&O
Since the massive manufacturing facility (Wrap+ & Business Pac) is remote SC offers his employees subsidized housing options which required a Habitational Apartment policy. SC’s belief in Global Warming netted F. Rozen sales of Flood policies for both the businesses and another for the estate.
In talking with SC, F. Rozen realized that SC’s own clients were at risk. They usually threw a party preceding his yearly delivery which should have Event Liability, (including Liquor Liability). These parties often occurred at their homes and in case the snack food left for the delivery person (always SC himself) caused an illness or if other accidents should occur they may need a Personal Umbrella Policy.
Lastly F. Rozen sold a Real Estate Agents E&O policy to another client that he thought might be related to an SC delivery.  The agent decided they needed coverage when a seller revealed that for several years, always in late December, they had a string of break-ins that were very strange.  There was no forced entry, nothing was stolen except some cookies and milk and the burglar(s) actually left valuable items behind labeled for specific members of the household.  The agent believes that since the cookies and milk were deliberately left out they were an implied invitation, thus it was not a break-in and would not need to be revealed to a potential buyer.  
New Webinars
Remember that you can view the following webinars 24/7 by checking out the BIM Webinar Library. To do that log onto Big "I" Markets and click on "Publications".
  • Personal Liability Trends - Fireman's Fund
  • TravPay
  • Commercial Lessor's Risk
  • Affluent Homeowners
  • Travelers Select Products (series)
  • Travel Insurance
  • Community Banks
  • XS Flood
  • Real Estate E&O
  • RLI Personal Umbrella
  • Affluent Homeowner
  • "Oh, by the way...Flood Sale"
  • Habitational
  • Non-standard Homeowner
  • Student Housing
Interested in learning flood marketing techniques? Participate in the "Oh, By the Way...Flood Sale" webinar presented by Big "I" Flood Program Manager, Jeff St. John. Topics in the fast-paced 1 hour presentation include: Reasons to Sell Flood Insurance • Reasons Consumers Should Buy • Limited Product Knowledge • Misconceptions by Agents & Consumers • Talking Points & Myth Busters • The Flood Risk • Flood Resources – Facts & Statistics.
Webinar dates:
For all you folks who recently registered for Big "I" Markets, remember you can participate in a webinar from the comfort of your office to help you learn how to navigate around the system. Every Thursday at 2:00 p.m. EST we'll show you how to navigate the Big "I" Markets platform, including how to submit a quote! Register for the webinar by sending an email with your name and company name to Include "Website Navigation Webinar" in the subject line or body of your email. A recording of this webinar can be found under "Publications" after logging into Big "I" Markets.

There will be no Training Webinar on Thursday, December 25th, or January 1st.
Two for Tuesday Trivia
Be one of the first five with the correct answers and win an envy-inspiring TFT Trivia T-shirt. Don't forget to answer the Tie Breaker!

Congratulations to this week's lone winner!

Tina Mattox (AL), Debbie Webley (WA), Kathi Behan (NM), Jean Persons (NC) & Barbara Gortney (AL)
1. The "traditional" portrait of the American Santa Claus was created by artist Haddon Sundblom as part of an advertising campaign for what product? - COCA-COLA
2. In what order are Hanukkah candles to be lit? - LEFT TO RIGHT
3. The name of Santa's Reindeer, Donner and Blitzen, are German for what? - THUNDER and LIGHTNING

ACE's Deductible Reserve Program will set aside what percent of the deductible each year? - 10%

Last Week's Most Clicked Links
Here are the top three items that got BIM agents clicking from our last edition... see what you missed!
  1. ACE's Affluent 10 Question Checklist
  2. 2014-15 Winter Forecast  
  3. ACE Platinum Portfolio  
Big "I" Markets Sale of the Week
Congrats to our agent in Iowa on a Stand-alone Fine Art & Valuable Articles sale of $4,175 in premium!  

Tuesday, December 23, 2014

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TFT is authored by Michael Welch
Big "I" Markets Service Coordinator