Rental Property Insurance

When you own rental property with it comes a certain amount of risk. There are ways to lessen the amount of risk your or your business faces by properly preparing your business and purchasing adequate insurance coverage.  Here are 3 types of insurance you or your business need to secure when you own rental property.

If you own Rental Property, you need to determine what kinds of insurance your business actually needs?

 

If you or your business own rental property, there are certain insurance coverages you need to secure. Find out the best info at My Insurance Question.com

Three Policies every rental property owner should have. 

General Liability Coverage

General Liability Insurance in most cases is the first type of insurance a business or investor purchases. General Liability and Workers’ Compensation Coverage are required by law in 48 out of 50 states. For this reason, most business owners start with these two coverages and later determine if they need additional insurance.  GL Insurance covers a property owner for any liability they might face to thirds parties.  Some liabilities you may face include when a tenant or visitor are injured due to the landlord’s negligence, when a property maintenance issue results in a tenants’ injury or personal property loss or when a tenant is injured as a result of the landlord’s failure to keep the premises safe and in good working order.  Now these are just a couple of the types of liability a property owner may face.  Other risks you or your business face include losses due to fire, storm, tenant or employee theft and even discrimination lawsuits filed by tenants or employees. A lawsuit does not have to be legitimate to cause you or your business to incur enormous legal costs. Having the proper insurance in place can limit the damages to you or your business if you do face a lawsuit.

Commercial Property Insurance

Commercial Property Insurance is frequently the second coverage a property owner will secure.  When looking to acquire a commercial insurance policy it is important to secure an accurate valuation of the property. A Commercial Property Insurance Policy are just a little bit different than a personal home owners policy in that they are sold on either a replacement cost or on an agreed upon value. For most businesses the replacement cost policy is almost always the best type of policy to secure. This type of policy will pay to not only rebuild the property but also to demolish and haul away any and all debris. This additional cost can be substantial.

Business Loss of Income

Business Loss of Income Coverage is the third and final type of insurance all rental property owners should purchase. A business loss of income insurance policy will cover you or your business for the income lost during the period when a rental property is uninhabitable.  For example, if your building is damaged by a hurricane; this coverage kicks in to cover missed rent payments you or your business would have collected while the property is being repaired. Frequently this coverage is paid based upon documented actual revenue, which is good for property owners because you have a lease stating how much revenue the property generates.  Depending upon the policy you can collect payments for lost rent for up to 12 months after a loss.

 

Can Natural Disasters hurt your small business?

Here are 5 Natural Disasters that can wreak havoc on your Small Business.

 

With the presence of hurricane season upon us and the two examples we have in Hurricanes Harvey and Irma, now is a good time to have a conversation with your insurance agent about just what risks your small business faces when it comes to natural disasters. The risks are going to be different depending upon where your business operates, but now is as good of a time as ever to determine what risks you face and what coverages you may or may not need. Here are 5 types of disasters every business should prepare itself for.

Key West is one area that frequently gets hit by hurricanes. Small businesses in this area have a knack for dealing with natural disasters.

Hurricanes

Obviously, if you live in the Midwest, you may not need coverage to protect your business from a hurricane.  But the effects of a hurricane can travel very far inland, depending upon the strength of the storm. The states of Tennessee and Kentucky do not have a coast line, but they are feeling the effects of Hurricane Harvey at this very moment.  If you live in a coastal community, it is important to find out what exactly your hurricane policy does and does not cover. You may need an additional flood policy to deal with storm surge and flooding that comes after the tornado.  A short conversation with your agent should help you determine what all policies you need.

Tornadoes

Tornadoes are a type of natural disaster that can reach far and wide. They are not isolated just to the Midwest. Tornadoes can impact a small area of one small town or they can damage many areas through a state or region. Predicting them is difficult and the only true way to protect your business is to have the proper insurance coverage in place. Tornadoes are another type of disaster that also have a need for flood insurance.

Forest Fires are one type of Natural Disaster. Fires

Fires can come in the form of forest fires or local fires due to man-made causes. Certain areas in the Western United States are more prone to fires because of the dry nature of the climate in this part of the country. Forest fires can damage wet areas too as was seen last fall when many areas in Tennessee and North Carolina were ravaged by forest fires near Gatlinburg, TN and the Great Smoky Mountains National Park.

Earthquakes

Earthquakes are areas that are little more predictable to know if you need the coverage or not. Areas that are on or near a fault line are more likely to need this coverage. Some faults are more likely than others and carry more risks. Also, with the growing popularity of fracking technology to dig for oil in some areas of the country, earthquakes are now appearing much more frequently and in areas that are not near a fault line. If this type of technology is being used in your area, it is something you should speak with your insurance agent about in order to properly protect your business.

Fllods are another type of natural disaster that can have a negative impact on small businesses. Floods

Floods are another type of natural disaster that should be prepared for. In most communities, if you live in or near a flood zone you are required to carry coverage.  These are not the only businesses who would be wise to purchase this coverage. The damage from floods can be far-reaching and in many cases it can cause a business to close its doors permanently.

Natural Disaster Preparedness

How can you prepare your business for the next natural disaster that may come your way?

The devastation that can be caused by a natural Natural Disaster is all of the news media recently. After seeing the impact Hurricane Harvey has had on the communities of Southeastern Texas and now seeing the panic setting in throughout the state of Florida now might be a good time to plan for if a natural disaster were to strike your community. This is a good time to prepare for both what you would do to protect your family and friends, but also how to properly protect your business in the event of a natural disaster. Here are 5 tips for preparing your business in the event of a natural disaster.

Hurricane Harvey shows the need to prepare your business for a natural disaster.

Call your insurance agent

Now is a great time to give your insurance agent a call and find out what exactly are the risks your business faces in relation to natural disasters and if you are protected from them. Now is a time when many other people are probably thinking the same thing, so have a bit of patience with your agent at this time. Schedule a good 20 to 30 minutes to have a long and honest conversation with them about your business. Spending a few extra minutes discussing your risks now can mean the difference between your business being closed for a few weeks and your business having to close its doors permanently because damage from the natural disaster was not covered by your insurance policies.

Create a Disaster Kit

Now is a good time to determine what you and your employees will need in the event you have to spend an extended amount of time at on your property without electricity. You should also have a plan in place for how you plan to secure all valuable items within the business like the internal server or important customer documents. There are many ways to do this, but the time to decide how you will secure these valuables is not in the few days before disaster strikes.

Hurricane Irma has shown Florida the need to prepare for natural disasters.

Develop a communication plan and practice it

The leaders of your business need to have a plan in place for how they will communicate with your employees during a natural disaster. Safety is always a first and foremost priority, but you need to have a plan in place for how you plan to let them know when you plan to come back to work after a disaster. randomly practicing this communication plan is a great way to ensure it is effective when disaster strikes. Also, there may be ways you or other employees can help each other through the disaster. Facilitating this help can create loyalty among your staff that is invaluable to your business.

Create a Business Continuity Plan

Having a plan for how your business will continue to operate in the event of a natural disaster is crucial to the success of dealing with a disaster.  For example, if your business operates online orders may continue to come in.  You need to have a plan in place for how you will deal with the delays that will come with these orders. This is especially important if you are a nationwide or international business. People on the other side of the country or the other side of the globe may be going on with their day to day operations. You need to have a plan in place for how you will accommodate these customers in the event of a natural disaster.

Hurricane Irma in Florida has shown the need for businesses to prepare for a natural disaster.

 

Keep your insurance info and other vital docs safe

It is very important to keep your insurance information available. This should include contact names, phone numbers and email addresses of those you will need to communicate with.  You should make sure more than one person knows where to access this information in the event of an emergency.  This can expedite the claim process in the event that you need to file a claim.  Protecting vital business records is also crucial.

Technology to help Hurricane Harvey Victims

How technology is helping flood victims recover from Hurricane Harvey.

Hurricane Harvey has dumped the most water on Texas of any Hurricane in modern US History. According to Matthew Cappuci, a current student at both Harvard and MIT, ‘If you took the Empire State Building, more than a hundred stories tall, you could fill that entire volume 33,000 times with the water that fell on Houston and the surrounding areas’.  This massive amount of water has and will take an enormous effort to recover from. Technology will play a tremendous role in the rebuilding efforts. Here are four ways technology is helping Hurricane Harvey Victims.

Communication Challenges for First-Responders.Hurricane Harvey Relief Efforts

During the first few days of relief efforts, in response to the Hurricane, First Responders were having to get creative in order to communicate with each other and victims needing help.  In the hours and days after the hurricane, many 911 call centers and radio centers were out of commission. The disrupted networks also left more than 250,000 people without phone, TV or internet access.  As a result of this disruption in telecommunications, the Federal Emergency Management Association (FEMA) set up more than two dozen mobile communication office vehicles throughout the damaged areas. These areas had satellite-connected trucks helping FEMA employees and first responders with voice, video and data networks.

Social media as a way for Hurricane Victims to communicate with police and first responders.

In the early stages of the relief efforts, many victims were finding it difficult to get through to 911.  Dajauh Zhane Henix was separated from her daughter during rescue efforts and posted a message to Facebook that was shared more than 32,000 times. With the help of search and rescue and the power of social media, Mrs. Henix was reunited with her daughter. This is just one of many examples of the power of social media to reach many people quickly in a moment of need. Unfortunately, this power can be used in negative ways when videos or pictures go viral with inaccurate information.

Facebook is even matching up to $1 Million in donations made through the site.

Text to Donate to Hurricane Harvey Relief efforts.First Responder coming to the rescue after Hurricane Harvey.

This is not such a new technology, but mobile devices now make it easier than ever to donate to relief efforts.

The Red Cross has usedtext messages asa way to donate inmany disaster relief efforts.  For Hurricane Harvey they are asking people to Text: “HARVEY” to “90999” to automatically donate $10.

If you would rather donate to a local charity, you can Text: HARVEY2017 to 91999 to support the Hurricane Harvey Relief Fund.

Drones are helping the insurance industry process claims.

Hurricane Harvey Weather MapWhen disaster strikes, the speed at which insurance companies process claims can be slowed dramatically. This process is important because the more quickly this process gets done, the more quickly the victims can get back to everyday life. Drones are helping insurance carriers process claims at a much faster rate than in the past. This is because an insurance carrier can now use a drone to view the damage of an area several times as big as in the past in a matter of hours. In the past the carrier would have had to have someone physically inspect the property.  They may have had to wait several days if not weeks for flood waters to recede enough to get in to the impacted areas. Now this can be done with a drone over an area inspecting ten or more covered properties at one time.  This can all be done either from a remote location or even at a location near the disaster area. Drones can allow the carrier to have a visual representation of the impacted area in a matter of a few hours instead of it taking days if not weeks only five or ten years ago.

Gun Clubs and Shooting Ranges.

What are the liability concerns for Gun Clubs and Shooting Ranges?

Gun Clubs

Gun Clubs and Shooting Ranges are businesses that provide places for firearms enthusiasts to practice firing various types of firearms.  Some gun clubs and shooting ranges are indoors and allow shooting primarily with handguns at close distances. Other facilities are much larger. They may include outdoor facilities that allow shooting at long range distances.  A majority of these facilities offer lessons and concealed carry classes for beginning firearms enthusiasts’.  Not all facilities offer sales of weapons and accessories, rentals of weapons and even repair for damaged weapons; but those that do face additional liability.  Still other facilities offer periodic tournaments and competitions. Each of these aspects of the business bring with them additional risks.  Depending upon the business activities of each individual gun club or shooting range the liability needs for each business can be drastically different.

Gun Clubs and Shooting Ranges are rising in popularity. Make sure your business is covered properly by reading myinsurancequestion.com

Workers Compensation Risks for Gun Clubs and Shooting Ranges

Workers Compensation Exposures at gun clubs and shooting ranges are similar to many facilities open to the public, but are different in some aspects. Slips, trips and falls are common causes of injuries in these facilities, but there is an increased level of risk when a firearm is involved.  Injuries that involve a firearm tend to be much more severe in nature.  Businesses that operate in this industry typically have a normal frequency of claims, but those claims do tend to be more severe. Because of this elevated amount of risk, all staff need to be thoroughly trained and required to wear proper safety equipment.

Find the answers to your liability questions about Gun Clubs and Shooting Ranges at myinsurancequestion.com

Safety concerns for Gun Clubs and Shooting Ranges

Employees at gun clubs and shooting ranges face both short term and long term risks. Firearms are loud.  Very loud in some cases.  Ear protection is important to protect the long term hearing health of your staff.  Providing the ear protection for your employees and having a program in place to ensure they are actually wearing ear protection is essential to the long term health of your employees and the health of your business. Also, eye protection should be worn when in the presence of live fire. Again, it is wise investment for the business to provide proper safety equipment because it will ensure your employees are wearing the proper equipment.  Additionally, if you require the employees to purchase their own equipment it can develop a bad attitude among the employees about the safety equipment. Spending additional investment on adequate safety and training programs can go a long way towards keeping your staff safe.  A safe staff is a happy and productive staff. Taking additional time to protect your employees will help them be more productive and can prevent a costly insurance claim.

 

5 big misconceptions about Commercial Liability Insurance

5 misconceptions about liability insuranceGeneral Liability insurance covers your employees.

General Liability Insurance only covers your businesses liability to third parties. Third parties do not cover your employees.  Bodily injury claims that involve your employees would involve a workers compensation policy.

Insurance rates solely depend on a businesses claims history

There are many factors that go into what your business pays for commercial insurance and the businesses claims history is one of those factors.  The size of your business, the industry you operate in, the class code within your industry, the years in business, how many employees you have, the revenue of your business and where your business is located also go in to what a carrier uses to determine a rate on premium.

Many businesses cannot afford insurance

There are many ways to save on commercial insurance.  If price is important to your business than express that to your agent.  They can negotiate on your behalf for better rates, deeper discounts or larger credits on premium.  If you have well-documented safety programs in place than express that to your agent as well and they can use it to get a better rate. Another way to save on premium is to choose the pay as you go method for some coverages.  This can allow your business to get coverage in place with a significantly less up-front cost.

 

If I have Workers’ Compensation Coverage my employees cannot sue my for anything.  

Workers’ Compensation Coverage can protect your business from injuries that occur as a part of normal business operations. Employees can sue your business for any reason at any time and it can cost your business a large amount to defend. The accusations do not have to be founded to rack up a lot of legal defense costs. Also, if your business does not have the proper safety precautions in place or if it is found that the injury resulted because of carelessness of the business or its leadership can cause you to be liable for damages.

Insurance is all-encompassing

In most states, workers compensation and general liability insurance are required by law.  They are the bare minimum coverage that a business needs to legally be in business, but they are not enough coverage to adequately protect most businesses. For this reason, it is important to partner with an experienced independent insurance agent.  They can negotiate with the carriers to get your business better coverage at rock-bottom prices.

Restaurant Insurance

3 tips to find the best Restaurant Insurance. 

How much insurance do I really need? What are the correct types of insurance for my restaurant? What types of restaurant insurance can I do without? What is the bare minimum I can get away with for restaurant insurance? These are all very common question that insurance agents get asked when a restaurant owner is looking to protect their business for the first time or a seasoned business owner is looking to renew their coverage. The answer to this question is like many things; ‘It depends’. There are many variables that go in to owning and operating a restaurant and those variables bring on many risks. Not every business owner is comfortable with the same amount of risk.  Depending upon how much risk you are willing to take, here are 3 tips to help you make sure you are purchasing the amount restaurant insurance.

Are you classified correctly?

First off, the small business owner needs to make sure their business is classified properly. This applies for both workers compensation and general liability insurance. Each state has their own governing body for these coverages.  The best way to determine if you are properly classified is to ask for help from an experienced independent insurance agent. When talking with your agent, it is crucially important to be honest with them.  This is important for the time you are open, how much and what types of alcohol you serve and what exactly your employees do.  Restaurants are classified different based upon the risks they face. Being properly classified can save your business immensely.

Pay as you go option

Workers comp coverage is required by state law in 48 out of 50 states. getting this coverage in place is an enormous cost.  Pay as you go workers’ compensation is s a great option for seasonal or cash strapped businesses. Pay as you go workers’ compensation allows a business to pay premium based upon the amount of payroll as opposed to an estimate of the monthly payroll. For many businesses they can get coverage in place for as little as a few hundred dollars.

Determine the proper type of Commercial Auto Insurance

Many business owners do not think they need any type of commercial auto insurance. Just because your business does not own vehicles, doe snot mean you do not need to secure some form of commercial auto insurance. If you do own vehicles that are going to be used for business purposes you most definitely need commercial auto insurance coverage. Also, if you have employees who use their own vehicles for business purposes than the business is liable for all accidents. Hired and Non-Owned Auto Coverage is a policy that kicks in when your employees use their own vehicle or a rented vehicle not owned by the company. Regardless of how small the activity may seem, when the employee is using any vehicle to do business activity you are liable.

 

 

Small Business Insurance

It’s human nature for a business owner to wonder how much and which types of small business insurance coverage their business actually needs. To be successful, a business has to be comfortable with some amount of risk. Taking the first step to open a business is a risk.  With that simple fact, one would have to assume a small business owner is comfortable with some amount of risk.  Now how much and what types of risk the business owner is willing to take are completely unique to the industry the business operates in and the personal philosophy of the business owner.

Coffee shops need Small Business Insurance. Find out the latest information at https://www.myinsurancequestion.com/

Here are 5 insurance policies every business should secure.

General liability

General Liability insurance protects an organization from damage to third parties who are not associated with the business. Third parties may include customers, the general public, vendors or anyone that could potentially be damaged by the actions of your business.

Workers compensation

Workers’ compensation insurance is similar to general liability except it deals only with your employees.  Workers comp is the ‘exclusive remedy’ for injuries that occur to employees as a part of normal business operations. This policy provides medical coverage and some lost wages for injured workers who are hurt as a result of normal business operations.  Employers benefit from the policy by not having to worry about being sued for injuries that occur as a normal part of business operations.

Business interruption

Business Interruption insurance will protect a business in the event it is forced to be closed for an extended period because of another covered loss. The covered loss is an important part of this coverage. If you are the victim of a hurricane or a flood and you do not have coverage for that loss, the business interruption coverage will not kick in. This is typically included as a part of a business owner’s policy (BOP).

Employment practices liability insurance (EPLI)

EPLI coverage is a type of insurance coverage specifically designed to protect your business from lawsuits relating to the employment process. Over the past decade employment lawsuits have increased significantly. If you stay in business long enough, chances are you will face an employment related legal issue. Your business can face one of these lawsuits even if the employees of that business have not done anything wrong. It can also cost an enormous amount of time and money for a business even if the business is found to be innocent.  An EPLI Policy can protect a business in just this case.

Commercial auto or hired and non-owned auto

Driving risks are one of the most difficult parts of insuring a business. When driving a vehicle is involved in the work of a business, the frequency and severity of claims tend to rise dramatically.  Of course if your business owns vehicles and employees drive those vehicles as a part of their work, the business needs a commercial auto policy.  A business does not have to own a vehicle to face liability around employees injured while driving any vehicle.  If you have employees who use rental cars while they are travelling on business purposes than the business is liable for any accidents they are involved in while they are travelling.  This is because the purpose of the employee being where they are is because of the business function.  If you have employees who use their personal car for business purposes, the business is liable for any damage caused in an accident that occurs.  The employees personal auto insurance policy will cover the damage to their car, but the business will need additional coverage because the liability to other people  involved in the accident rests with the business.  These instances can be covered by a Hired and Non-Owned Auto Policy, which can be added to most standard business owner’s packages (BOP’s).

5 ways a Safety Program can help your Business.

Insurance is one of the biggest expenses for a small business. If there is a way to save, the extra cash flow can help a business immensely.  A well-documented safety program are a solid way to lower what a business pays for insurance coverage. An effective safety program does not have to take an enormous amount of time away from your business.  If implemented properly the program can cause your business to have less injured workers, lower your insurance premium, lower the amount and severity of claims, prevent your businesses insurance rates from increasing when a claim does occur and it can prevent your business from being dropped from coverage altogether.  If a well-documented safety program is implemented properly it will be a win-win situation for both your employees and the bottom-line of your company.

How can a safety program help with your commercial insurance premium?

Here are five ways a well-documented safety program can benefit your business.

Less Inured Workers

 Safety and preventing injuries is simply the right thing to do.  Safety is the right thing for your employees because they will experience less injuries on the job. Safety is the right thing for your business because you will experience less injured workers having to take time away from the job.  This will decrease the stress on the rest of your workforce and it will lower or eliminate costly insurance claims that can be a financial disaster for your business.  Doing the right thing may seem simple and obvious to most business owners, but many businesses do not take the time to implement a thorough safety program and in the long run it costs them immensely.    

 Your business can get a better rate on insurance premium

Insurance carriers are more likely to offer your business better credits and discounts if your organization has a well-documented safety program in place. The program shows that your business operates more like a well-oiled machine and less like a rusty old farm tractor.  Documentation is especially important to this program.  If you do not have documentation of this program, you might as well not have one for insurance purposes.  The documentation will help your agent to negotiate better coverage and for the underwriter at your carrier to offer deeper discounts on premium and more credits toward your policy.

Less Severe Claims

When a thorough safety program is in place, the business will experience less accidents.  The severity of those accidents will be less. Additionally, if you incorporate a return to work program as a part of the program; injured workers will return to work more quickly. This is extremely important for your insurance policy because the quicker a worker returns to work, even in a limited capacity, the more likely they are to return to work permanently. This can impact the amount of a claim.  How much your insurance carrier has to pay out for claims in a given term impacts your businesses experience modification rating.  This is one of the few factors that carriers use to determine what they will charge your business for insurance premium.  When injured workers do not return to work and stay on workers’ compensation for extended times, it can negatively impact your experience modification rating. This rating along with the industry your business operates in are the two most important factors that determine your rate for insurance premium.

When incidents occur, your business is less likely to have insurance premium rates go up.

When accidents occur; more than likely, your rates for commercial insurance are going to increase.  They are less likely to be increased because of just one accident or a string of minor claims, but in the landscaping business eventually a large claim will occur.  This is simply the nature of the business.  If you have a strong safety program in place, your insurance agent can use the program to explain how the claim is more of an outlier and not a signal of how your organization does business.  When a large claim does occur; if a safety program is in place and it is well documented, your insurance agent can use the program to show the underwriter that this incident is not a sign that your business will have more claims in the future.

 Safety Program

Safety programs can prevent your business from being dropped altogether. 

If you have several claims or one large claim during one insurance term, the insurance carrier may consider refusing to offer coverage moving forward.  If this happens and your business cannot find a carrier on the open market to offer coverage for your business you may be forced to buy some coverages from the state provider.  For instance, if your business is looking for workers compensation insurance in California you are already operating in the most expensive state in the country to purchase coverage.  The assigned risk provider is sometimes referred to as the provider of last resort, the state fund or the state pool.  This provider of last resort is typically significantly more expensive than the open market.  In most states once you are forced to purchase coverage from the state provider you must continue purchasing from that provider for a period of usually two or three years.  This is designed to deter businesses form having excessive claims.  A safety program can help prevent this from happening to your business.  Just like how your insurance agent can use a well-documented safety program to prevent an increase in premium they can also use it to find some coverage on the open market.

20 Quotes for small business owners about Risk.

20 Quotes Small Business Owners can use to access risk.  

JFK quote about risk.

“There are risks and costs to a program of action. But they are far less than the long-range risks and costs of comfortable inaction.” JFK John Fitzgerald Kennedy

 

“Take calculated risks. That is quite different from being rash.” — General George Patton

“Biggest profits mean gravest risks.”  Chinese Proverb

“The best we can do is size up the chances, calculate the risks involved, estimate our ability to deal with them, and then make our plans with confidence.” Henry Ford

 

“Security is mostly a superstition. Life is either a daring adventure or nothing.” — Helen Keller

“If things seem under control, you are just not going fast enough.” — Mario Andretti

“Yes, risk-taking is inherently failure-prone. Otherwise, it would be called ‘sure-thing-taking.'” — Jim McMahon

“You’ll always miss 100% of the shots you don’t take.” — Wayne Gretzky

“Danger can never be overcome without taking risks.” — Latin Proverb

 

“I’ll play it first, and tell you what it is later.” — Miles Davis

 

“Whenever you see a successful business, someone once made a courageous decision.” — Peter Drucker

“Business people need to understand the psychology of risk more than the mathematics of risk.” Paul Gibbons,

“Opportunity and risk come in pairs”   Bangambiki Habyarimana, The Great Pearl of Wisdom

MLK was a man who was not afraid to take on risk.

“The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.” — Dr. Martin Luther King, Jr.

 

“Leadership is the art of getting someone else to do something you want done because he wants to do it.”  – Dwight Eisenhower

“You don’t close a sale, you open a relationship if you want to build a long-term, successful enterprise.” ~Patricia Fripp

“Most people think “selling” is the same as “talking”. But the most effective salespeople know that listening is the most important part of their job.” ~Roy Bartell

Albert Einstein

 

 

“Life is like riding a bicycle. To keep your balance, you must keep moving.” ~Albert Einstein

 

 

“Leaders become great, not because of their power, but because of their ability to empower others.” -John Maxwell

“It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change.” – Charles Darwin