News

We passed a coming-of-age milestone in the Tuscano family this week. Our son Sam finally got a cell phone, and was quick to point out that he was the last in his class to have one. Which got me thinking, is it the act of getting older that makes us feel like certain things are a necessity? As I have gotten older, I rely on a good many things that I used to live (quite happily) without - bottled water, a DVR, and email on my phone. I realize that these items are pretty common household amenities in our culture. The question is, would we ever sacrifice them so we could put our kids through college? With the state budget cuts we are facing - I may just have to!

Do you ever ask your clients to consider taking on additional expenses in order to be properly insured? Has their business grown or their operations expanded as the years have gone by? Every renewal should put you in touch with your insured for a risk analysis. Point out why certain coverage really should not be optional. Whether there is an exposure for assault & battery, liquor liability, products, professional liability or pollution, you need to ensure the coverage is there when they have the exposure. I am not advocating selling more insurance for the sake of more premium. I really do want every loss to have legitimate insurance coverage – that is why we are here.

I would love to be able to sell insurance based on coverage only, but we all know that this market demands we compete on price too. That is why I am always willing to promote our vacant property products because we can give you both - coverage and price. Whether you are working on a vacant dwelling in an estate or one under renovations, we have programs for both ACV/Basic perils and RC/Special perils. Quoting this business is about as easy as it gets – just go online to our Vacant Residential Property rater and you will have great quote options in minutes.

We are also equally capable on large or small commercial vacant property. Regardless of the property limits, we can search the marketplace for you and get you what you need. The best part is you get to work with the team of underwriters you already know and trust.

I have to admit that I am not looking forward to the day when Sam comes to me and wants a motorcycle; however, for everyone else, I would happily tell you that we LOVE to write bike insurance! Whether this is business you solicit or only need to place on occasion, Tuscano is your go-to broker for all things recreational. I do believe that Punxsutawney Phil got his prediction for an early spring right – I have already seen motorcycles out and about on the few sunny days we have had. Tuscano loves to write touring bikes, Harleys, race style bikes, and just about any of the newfangled models we are seeing on the road. 

I guess someone got older and just ‘had to have it’.