Commercial Insurance Specialist, Hanlon and Associates

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