Sell Insurance in the “New Normal?” Do This…

While the pandemic has made the world feel and look different, every business is facing the same choice: Shift or Dissolve.

This struggle has been happening in various ways for decades.

When technology crept into the insurance industry years ago, many brokerages faced a similar choice. Those who changed how they delivered products and services flourished—while those who did not found generating attractive returns challenging.

COVID-19 has created another ‘shift or dissolve’ hurdle. Instead of looking at “new normal” challenges as a catastrophe, why not look for the possibilities in the hardships? With a few simple changes, you will find ways to exceed your expectations.

Benjamin Franklin once said, “Out of adversity comes opportunity.”

Easy “New Normal” Shifts To Make

Consider shifting the way your insurance agency conducts business and supports customers. Here are some easy options you will want to implement if you haven’t already.

Deliver Consistent Customer Service. When your livelihood surrounds managing risks, putting customers first is what you do. But a global crisis makes doing so more challenging. Find ways to practice compassion and flexibility in today’s chaotic environment.

Seek to Understand & Help. Changing financial circumstances may find some of your clients contemplating canceling insurance policies. Listening will help you display compassion and learn useful information. Don’t wait for clients to call you. Reach out to them first. Proactively help your clients assess their risks and optimize their choices.

Seek Feedback from Customers. Phone calls and online surveys with incentives will help you validate what you think your customer is experiencing. Use real-time feedback to verify problems caused by the pandemic and uncover topics customers would like education on. Survey prospects and customers to learn their needs and what is keeping them up at night.

Change Processes & Smooth Rough Spots. Building strong relationships with customers includes making changes to meet them where they are – especially during challenging times like these. Uncover toe-stubbing procedures and tweak them, so it is easier for your customers to do business with you.

Remove Barriers & Obstacles. Navigating multiple platforms and trying to reach carriers by phone is frustrating. Many brokers share frustration finding quotes in a timely fashion. Logging in and out of various systems is labor intensive. Make changes that help you customers get what they need easily.

At Syndicated, we responded to this need by adding an online form with 12 questions. This simple change helps brokers—like you—get solutions quickly without logging in. Would you like to get workers’ comp options without a hassle? Click here now.

Selling insurance in the “new normal” requires shifting for survival. If you make subtle changes to meet your customers’ needs, you’ll do more than survive—you’ll thrive.

Want to discuss other ways to find options for the hard-to-place? One of our relationship managers are happy to help you get what you need.

Contact us today at 877-333-8195 or



How to Use Change to Produce Results

Do you remember R.E.M.’s 1980s song “It’s the End of the World as We Know It?” The chorus seems relevant today more than ever. Doesn’t it?!

The pandemic has changed so much for everyone throughout the U.S. and around the globe.

But it isn’t all doom and gloom. What is happening now is just another fact of life that everyone will learn to navigate eventually.

Since readjusting is a consistent part of life, insurance brokers and agents—like you—are well-positioned to show employer clients what to do.

Your services revolve around helping small business owners manage risk and prepare for change. Right?!

Use this time to your advantage. Show how insurance will support future liabilities and shifts. Why? Because risk and change are inevitable, and you manage change for a living.

Mathematical chaos theories say small systematic changes produce phenomenal evolutions over time. Translation: Change is good. You just need to show people how to make change work for them.

Showcase Your Value


Spend time providing your employer clients with options and alternatives to produce the premium-to-coverage solutions they need. Here are three easy things you can do now.

Shop for Options Proactively: One of the best tools you have at your disposal is your ability to present your clients with alternatives. Be proactive and offer pricing for several solutions. Make sure to include affordable and pay-as-you-go options in the mix.

Evaluate Coverage Needs: Examine coverages to determine what your client may or may not need; especially during the current economic situation. When you do this, you will reduce exposure and increase competition from other carriers. Since you recognize your customers’ requirements may have changed, take initiative to ensure they have what they need.

Consider Increasing Deductibles. Negotiating savings to quantify the risk assumption for every claim is often difficult. If there isn’t small claim activity on an account, it may be challenging to justify large credit. Increasing deductibles is a traditional reduction technique that may help. Request options and run a projected cost impact by looking at historical “as if” loss data.

Whenever you use techniques to show your value, make sure you outline potential risk assumptions related to the proposed changes. Helping your employer clients understand the impact of coverage changes will shine the light on your value and expertise. In turn, you’ll produce results by using change.

How Are You Impacted?


We recently surveyed insurance broker and agent clients to understand the impact of the pandemic.

While a lot of useful insights came from your responses, it was telling that 61.5% of you are:

  • Experiencing difficulty getting answers from carriers
  • Finding shopping the market for alternatives challenging

In turn, 61.5% said you would feel encouraged and thankful if you could receive responsive, hassle-free insurance provider support. Look no further.


Get Consistent Support Everyday


From workers’ comp to general liability and everything in between, we’ve consistently offered affordable options for the hard-to-place for more than 30 years.

Our solutions are well-known for saving employer clients more than 40%.

From high X-mod to poor loss history from too many small claims or several big ones—we have a reputation for finding solutions where others cannot.

Contact a relationship manager today at 877-333-8195, or click here to get a quick turnaround quote by answering 12 questions on one form.

Showcase your value and use change to produce results when you tap into our hassle-free support.



6 Myths About Workers Comp Insurance

Workers compensation insurance seems to have the stigma of a double-edged sword.

With both favorable and unfavorable consequences, both employers and employees need workers comp as a benefit and protection.

To help you share the pros instead of the cons, let’s demystify some of the common myths surrounding workers comp insurance and why your employer clients need it now more than ever.

Common Workers Compensation Insurance Myths

ONE: Small businesses with a small staff don’t need workers comp. False. No matter what size business, workers comp is one of the primary ways to protect your business. The majority of businesses are required by law to have workers comp insurance. If an employee gets injured on the job and sues, the business owner could lose everything through a lawsuit. Workers comp is designed to protect businesses of all sizes.

TWO: It is cheaper to pay for injuries out of pocket than to pay for workers comp insurance. Untrue. Medical expenses are just the beginning of an employer’s obligations when an employee gets injured. Businesses need to plan on covering lost wages, additional damages, and even the cost of temporary staffing coverage.

THREE: Our employees would never sue us. False. We live in a me-focused society. Employers cannot count on loyalty in relationships when someone else is injured working on the job. A work-related injury can incur enormous professional and personal expenses that might force your most trusted employee to file a lawsuit. Getting workers comp ensures you don’t have to test the strength of relationships.

FOUR: Workers compensation claims improve over time. Untrue. Injuries that require medical treatment typically increase medical costs over time. The best time to settle workers comp claims with employees is immediately after the incident. Doing so can help employers save significantly.

FIVE: Your employees offer professional services, so they don’t need workers comp. False. A simple slip on the floor or in the parking lot makes the business owner liable. Accidents can happen anywhere at any time to anyone. If it happens when team members are working on the job – no matter what they are going – the company is responsible.

SIX: Employers don’t have to do anything more than pay a workers comp claim. Untrue. The responsibility of the employer isn’t done until the employee is back at work productively. Once a claim is filed an employer should implement their return-to-work program that ensures consistent communication, return-to-work guidelines, and monitors productivity. This means an employer should create a return-to-work policy, which insurance brokers and agents can help define before an accident happens.

What Insurance Agents & Brokers Should Do

Share these myths with your employer clients and help them understand that they need workers comp insurance for the well being of their company and employees.

Remind your clients that any company that hires employees needs workers comp to provide coverage for the unexpected.

Remember that the more you invest time in educating prospective clients about the benefits for workers comp insurance, the more inclined they will be to do business with you when they need the services and products you offer.

Do you have hard-to-place clients and high X-mod account? Syndicated Insurance Resources can help you. In fact, we are well known for finding solutions for almost everyone. Email us or submit to us through our free broker gateway today.



Position Yourself as a Workers Comp Expert

When you engage prospective employer clients in conversations about their workers comp and business insurance needs, are you positioning yourself as an expert or advisor?

Elevating yourself as an advisor — instead of a broker or agent — is certain to keep conversations going while giving you the opportunity to showcase your expertise.

You can effectively and creatively use conversation as a tool to help you uncover how business owners want to manage their business and employees.

Inside of talking about your insurance business offerings, ask them questions that delve into things like how they want to treat their employees or accomplish their business goals.

Whenever you take the focus off of you and intentionally ask questions that uncover your prospects problems, pain points, or aspirations, you stand out immediately as someone who cares and understands. You are also setting yourself from other wannabe insurance solution provider competitors.

Successfully selling workers comp insurance means finding ways to align what you offer with your client’s needs.

As the opportunity presents itself, you want to share basic information that explains what workers comp insurance is and why they need it. But you don’t want to sound like every other sales person out there.

Make sure you’re subtle and strategic in your approach, so you can position yourself as a relationship builder and insurance expert — not a salesperson.

Before you interact with your next prospect, consider doing these few things first:

  • Assess your prospects’ business.
  • Determine what type of services or products they offer.
  • Try to uncover which workers comp laws may apply.
  • Evaluate their demographics.
  • Find ways to creatively pre-assess the potential client’s risk.
  • Arm yourself with key pieces of information about workers comp that can help them.

Sell Workers Comp to Small Businesses

Targeting small businesses makes sense because workers comp insurance is a relationship-driven business.

It is easy to build relationships with small business owners, and you have easy access to them as today’s entrepreneurial market continues to grow rapidly. But you can’t sell to them as you might larger, well-established companies.

Today’s small business owners need to understand how to protect themselves and their assets.

Create a cheat sheet that lists out key workers comp points you can share with small business owners, so you’re prepared when the opportunity presents itself.

Position yourself as a helpful thought-leader and service provider by finding ways to integrate into your conversations how insurance can safeguard their company.

Consider leveraging partnerships that offer a subscription-based solution that scales with your client’s business to provide staffing, payroll, workers comp certificates of insurance and even HR consulting services on demand and as needed. 

Other essential workers comp tips to consider include:

  • Look for ways to save clients’ money
  • Advise on workers comp rules and laws
  • Provide affordable quotes and options that offer value
  • Present valuable tips and insights when policies change
  • Issue certificates of insurance promptly
  • Assist with claims and renewals

Competition is fierce, but if you’re armed with the right tools and tips, you can stand out from the rest.

The good news is you don’t have to go it alone.

You can partner with us and access a wide array of tools that can provide value to your clients.

In turn, you can earn higher commissions and have happier clients who have saved money.

Sign up or sign in to your free broker gateway today.



Why Restaurants Need Workers’ Comp

With new restaurants opening around the nation, insurance agents and brokers have continual opportunities to sell workers compensation insurance to restaurant owners.

According to the National Restaurant Association (NRA), restaurant industry revenue exceeded $799 Billion by the end of last year.

A quick look at statistics by the NRA paints a picture of favorable conditions for a targeted class that insurance agents should focus on serving. For instance, did you know that U.S. restaurants:

  • Represent 10 percent of the overall workforce
  • Employee 14.7 million restaurant workers
  • Report one million locations

The potential for minor and major accidents to occur at restaurants is consistent. In fact, Marsh’s 2017 Restaurant Loss Cost Trends Report shows that 24% of all restaurant workers’ compensation claims were from cuts, punctures, and scrapes.

Anything from grease burns to knife cuts to falling on a coke spill can happen in the blink of an eye. Each incident can leave a restaurant short-staffed while injured employees see medical treatment. Every situation costs time and money that restaurant owners typically cannot afford to add to their bottom line.

Fortunately, as insurance brokers and agents you can help restaurant owners protect their business and employees with workers compensation insurance that covers everything from medical expenses to potential legalities.

Since a restaurant owner has to juggle a laundry list of responsibilities, they may not be aware of the options available to them.

Educate Restaurant Owners

If you proactively reach out and educate restaurant owners about how insurance can cover potential risks and limit their exposures, you are sure to build long-term relationships that look to you for your insurance expertise.

No matter what state a restaurant resides in, this type of insurance is critical. However, you should remind them that policies can vary based on state laws.

One of the first ways you can educate restaurant owners is by showing the benefits of workers compensation coverage, and how it can give them peace of mind.

At a high-level, you can share with restaurant owners the following overview that shows what workers compensation insurance covers.

  • Medical expenses from injuries that occur while on the job.
  • Wages missed if an employee is injured on the job and needs time to recover. (Typically, this covers a portion of their full wages.)
  • Illness caused by job-related issues, such as exposure to dangerous chemicals, etc.
  • Legal fees for defending the business should an employee sue for work-related injuries.

Examples of common restaurant work-related injuries include:

  • Burns from hot surfaces, materials, and liquids
  • Cuts from improper knife use or storage
  • Falls from spills and wet floors
  • Sprains and strains from lifting heavy trays
  • Robbery during a catering job
  • Accidents traveling to and from locations for catering jobs
  • Hand injuries from repetitive tasks
  • Machine-related injuries from equipment malfunction or improper use

The more you provide your prospective and current restaurant owner clients with educational insights about insurance, the more you’ll build your brand as a helpful resource they can count on. Consider sharing tips for restaurant owners tips about:

  • Lowering the cost of individual claims,
  • Training employees to recognize potential accidents before they happen,
  • Getting employees back to work faster,
  • Accident reporting procedures,
  • Offering return-to-work programs that give employees modified duties during recovery.

Download your free one-page overview—“Why Restaurants Need Workers’ Comp— that you can share with restaurant clients today!

Interested in learning how Syndicated can help you access Workers Comp options for all restaurant classes? View our page for a taste of what we cover.




5 Workers’ Comp Claim Tips for Your Employer Clients

Filing an insurance claim is inevitable. The ability to do so is why people purchased the insurance policy from you in the first place.

The question is, do your customers know how to file a claim? When the time comes are they going to scramble to uncover what to do? Or can you make it easier by providing step-by-step tips that educate them on the process in advance?

The section between the lines provides a quick and easy guide you can post on your website or in your email communications with your employer clients.


Employer Tips for Managing Workers’ Comp Claims

As a business owner, you hope you never have to rely on your workers’ comp insurance policy. But similar to a fire drill, it is important to understand what you’ll need to do when the time comes to file a workers’ comp claim.

Knowing your employer responsibilities in advance can save you time while helping to reduce liability, potential lawsuits, and potential employee repercussions.

Take time to these fundamental steps now. When the time comes to file a claim, you can easily navigate the process. You’ll also keep your business financially stable while ensuring your employee can easily recover.

Report Claims Immediately. Thoroughly fill out a “First Report of Injury” form. Failing to report your claim promptly and accurately could result in fines and penalties.  Studies have shown that the longer a company waits to report an injury, the higher the damage costs. You can keep costs down by acting as soon as you learn an employee is in need of workers’ compensation benefits.

Document the Details. Create a paper trail that documents the details about the employee’s situation. Capture the who, what, when, where, why and how information. Interview the employee and any witnesses as soon as possible. It is important to capture details while it is fresh on the minds of those involved. Get signed statements. Take photos, as appropriate.

Contact Your Claims Representative. Be prepared to share the details and documentation surrounding your employee’s injury or illness. Have your employee’s contact info, wage history and claim history on hand. After you’ve provided the details, your claims representative will submit the required paperwork you shared.

Share Your Return to Work Plan. To prevent claims from escalating, share your company’s return to work plan with the employee and your claims representative. If possible, be prepared to facilitate modified work restrictions. If your employee’s responsibilities cannot accommodate modified duty, make sure all parties involved know this up front. Sharing this details from the beginning creates a clear game plan while setting expectations regarding productivity impact and overall team morale.

Keep in Touch. Out of sight, does not equal out of mind. It is critical that you consistently communicate with your employee about their status and progress. Studies have found that injured workers who feel their informational needs met also return to work faster. Let your employee know you are concerned about their recovery.

By making yourself familiar with these five steps, you can easily navigate the workers’ comp process when the time comes.


Remember, while selling insurance policies keeps your independent insurance business going, it is only one facet of your job. To ensure repeat customers, you need to find ways to strengthen your employer client relationships. The more you can share helpful insights like this with your existing client base — the easier it is for customers to stick with you.