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I have fond memories of cereal. Growing up in the Tuscano household we had limited cereal options – Shredded Wheat, Cheerios, and Rice Krispies, and occasionally, Captain Crunch. My mom only shopped once a month so that first week we felt like rich kids. I remember sitting at the kitchen table and using the cereal boxes to block my sister out – claiming the rights to read the backs of our chosen cereal box.

 

The other day I was shopping with my family when I found myself in the cereal aisle and was dismayed by how many types and brands of cereal there are now. I mean seriously, no matter what you call it, raisins and flakes are raisin bran. The boxes are smaller too – they never would have lasted in the Tuscano household for a month. I don’t think it is a matter of quality vs. quantity. Let's face it, no one is going to pay $7 for a box of cereal.

 

There are at least as many options for insurance products. The choice to purchase insurance coverage, whether for business or home, comes down to what the customer’s price point is. A cash-poor customer will choose less coverage in order to get a product they can afford. There is the middle ground where most of us live & work that provides a quality product for a fair price. At the far end of the spectrum we have wealthy individuals who should choose a higher level of coverage, because A) they can afford it and B) they have more to protect.

 

Tuscano has recently started working with a carrier who provides insurance products for affluent individuals. Your high net worth clients should have products that address lifestyle and exposures that are unique to this class of insureds. This program will absolutely provide value to your affluent customers that cannot be matched by a standard program. We can write the home and secondary dwellings, coastal properties, foreign properties, personal auto, collector vehicles, yacht, personal collections & art, excess or primary flood, excess personal liability, as well as unique options for historic homes, equine risks, and aviation. Our program offers insurance solutions at competitive prices, customized advance-planning services to reduce risk, and exceptional claims service. Instead of trimming down coverage, we have super-sized the box and stuffed it full of enhancements and options that make this a premium insurance product. You can find out more about this High Net Worth personal lines program on our website or give Jessica, Judi or Nicole in Personal Lines a call.  

 

I am happy to say that there has been a great deal of excitement over our Steeler ticket giveaway! We just pulled our first winner for the September 16^th game against the New York Jets. Congratulations Gina A. for writing a Lessor’s Risk package which turned out to be the winning binder. We have a second set of 4 club level tickets to give away for the October 7^th Steelers vs. Eagles game. Any new commercial account bound by August 31^st will qualify as an entry in the next drawing to be held on September 5^th. 

 

Send us your business! Bind early and often and you could be the holder of the next winning binder number!