Nicholas / Tobin Insurance – Insurance Tailored To Your Needs

Nicholas / Tobin Insurance has been a proud part of the New Milford community for over 40 years, and over those 40 years we really have been blessed and fortunate. We have a wonderful team of 14 who live in and around New Milford, with three offices located in New Milford, Kent, and Florida. We are licensed in over 27 states. The value we offer to our clients is that we represent over a dozen of the nation’s premier insurance providers to offer our clients a broad selection to fit their needs and their budget.

Why Do People Come To Us For Our Insurance Needs?

The main reason people come to us is rather simple.  When you really think of it, we all get to a point in our lives where we realize we need to surround ourselves with talented advisors to make our lives easier, and yes, safer. You hire an accountant, money manager, insurance advisor, attorney, and let’s not forget a great doctor. All of these experts are assembled to protect our assets and to make our lives better. And when the day comes that you need one of the services, you want to know you have the best team around to help you, your loved ones, and your business. Clients choose us for our attention to detail.  While many agencies use the words “advice and service,” we put due diligence, counsel and education first, followed by advice and service. At Nicholas / Tobin Insurance we truly work as a team. We start by assembling a very detailed profile of our client, their risks, financial exposures and needs.  We then set up a team meeting pulling in additional resources to discuss how best to craft the insurance program and we discuss which insurance provider in the market place specializes in that field.  Once the program is assembled and presented we go the extra mile to educate our client as to how their tailored insurance program works.  In contrast, how many times have you ever been handed an insurance policy and wondered what is in all the paperwork?  At Nicholas /Tobin Insurance, we take all the time that is needed to give our clients peace of mind and clarity so they understand the value of their program, the coverages that are in place and the services provided when they need to use them.    How good is your insurance program if you don’t know what is in it?  At Nicholas / Tobin Insurance we can provide the clarity and understanding that you want and deserve.

What Separates Us From Our Competition?

We believe it’s our approach. To accomplish this, we start by having a conversation. We ask our clients to provide us with a complete picture of who they are. We need to know what assets they have that we need to protect. We also ask them to share their lifestyle with us: travel, lack of travel, children, no children. Understanding all of these things play a role into crafting an insurance solution that is tailored for their needs. Sadly, the industry and many of our competitors seem to have gone in the direction of “naming your price” or “buy only what you need”, along with those agents that are constantly searching to find the cheapest insurance policy year in and year out just to win business. We compete with sound advice and counsel. We meet your needs, and we are there for you every step of the way. Think about it this way. We spend our entire lives working towards success: we try to grow our businesses, and increase our income and save for retirement. Insurance is the one valuable tool, that is intended to protect us from losing all of that.

The Question You Want To Ask Yourself Is How Good Is That Tool If You Are Always Looking To Buy The Cheapest One?

Wouldn’t the best tool for the job be one that performs the way you expect and need it to? Shouldn’t the tool fit the needs and demands of the job? If the answer to that question is yes, then price is secondary. Understanding the value of the the tool you are buying and how it will perform is of greater value than price.

Aren’t All Policies The Same?

The answer of course is no! It’s interesting, in every other industry, people know you would never make your product the same as your competitor. Yet with insurance, people are often misinformed or led to believe through commercials that somehow every insurance policy is the same, be it homeowners insurance, auto insurance, or business insurance. With over 133 insurance companies writing business in Connecticut alone, there are vast differences in the marketplace. Our job at Nicholas / Tobin Insurance is to navigate through the vast array of providers to find and tailor the best in class solutions to fit our client’s needs and budget. We recognize that everyone’s needs are different. What separates us even more is that we don’t stop there. We take the two most important steps of educating them on the value of their program and coverages. Our goal is to give them the peace of mind behind the program we have created for them.

Nicholas / Tobin Insurance, located in New Milford & Kent, Connecticut, provides its clients the highest quality insurance products and services available today to protect them, their families, and businesses. We offer homeowners insurance, renter’s insurance, car insurance, business insurance, travel insurance and more! Our commitment to service means our team of licensed insurance professionals is here to help with simple policy questions, consult with you to determine appropriate coverages and be available 24/7 when trouble strikes, and you need assistance managing through the claim process.

 

Richard Herrington
President


111 Danbury Rd, New Milford, CT. 06776
10 So. Main St. Kent, CT. 06757
Direct: Ph 860.354.4487
Office: 860.354.4466 Ext 701
www.NTINS.com

Number Nerd – Here are 10 ways to keep the cash flowing.

Here are 10 ways to keep the cash flowing. Some apply to any type of business while others are best for B2C or B2B

  1. Create better invoices: Many businesses hurt themselves by sending poorly done invoices. Bills and invoices must be detailed, yet simple and clear. The invoice should itemize everything and be sent promptly. This reduces questions and confusion that cause customers to delay. Avoid cute designs and fancy colors that detract from the main business purpose of an invoice. Make it clear how checks should be made out, where they should be sent, the due date (or simply “On Receipt”), and any instructions for paying online, by credit, debit card, PayPal, or another method.
  2. Use a cloud-based billing or invoicing service: Online invoicing and billing services designed for small businesses, self-employed professionals and freelancers are a great solution. For example, Bill.com offers a popular online invoicing tool that lets you simplify and speed up your accounts receivable process. You can easily create, send and track invoices. Customers can view and pay your invoices online, and the cash goes straight into your bank account. FreshBooks.com offers similar services.
  3. Offer early payment and pre-payment discounts: When you rent a car or reserve lodging, many car rental companies and hotels offer two prices: A discounted price if you pay in full now; and a higher “pay later” price. Why not try something similar? Consider offering a discount of, say, 2%-5% for paying in advance. This rewards customers, gets you the cash quicker, and saves you the time and effort of trying to collect later.
  4. Set a penalty for late payment: First, you’ll need to establish a clear and consistent policy explaining that late payments can trigger a fee. Even if you don’t actually charge the fee or end up waiving it for loyal customers who are late for good reasons, just mentioning it on your invoices will spur prompter payments.

Read Full Article

Copyright © 2000-2017 BizBest® Media Corp.  All Rights Reserved.

What Are the Benefits of Business Networking?

Business networking will allow you to directly create awareness with others of new products or services that you have to offer.  Or keep abreast business opportunities going on in your town or area.  A network can also provide you with professional mentors or contacts who might be able to assist you with problems you might need help with. 

For example, if your business needs the services of a bookkeeper, accountant, or lawyer you may find the ideal candidate through a network referral. If your business needs to improve its marketing you may be able to find that idea marketing expert through networking channels.

Networking is ideal for expanding your knowledge by taking advantage of the viewpoints and prior experience of others. For instance, if you are thinking of venturing in to a product or service, you may be able to get some valuable advice from others in the group on how best to roll it out or market it.

Networking builds awareness of who you are and the services you provide.

How Does Business Networking Work?

“It’s not what you know that counts; it’s whom you know,” establishing a mutually beneficial relationship with business associates and friends for introductions or recommendations has been the bedrock of networking.  To reap the rewards of a network, it is important to understand what business networking benefits are and how they can help your business to boost sales, increase efficiency and morale, and build awareness of your brand.

Business networking benefits are intangible as they provide you with more business opportunities through referrals, they often help you personally refine and enhance your interpersonal and sales skills, and best of all?  It help you increase your revenue opportunities!

In fact it is the networking efforts of a business owner or employee that yields the most results in small businesses. Much of local business is still done on a handshake basis, and the best way to network with other local business owners and entrepreneurs is through face-to-face meetings and local business groups.

You should not only attend the meetings of your networking group regularly but go prepared to offer something of value to the group. When people ask you what is a good lead it is as simple as talking about a recent sale or service that exemplifies the type of business you are looking for.  And lastly, listen and ask questions of those around you.  Giving back is just as important as receiving.   Use the gives gain approach and you will no doubt be well received and appreciated every time.

Remember business networking is only as good as you make it!

Marbledale Plumbing and Heating – 5 Benefits of Installing a New Boiler

What is a boiler?

  • A boiler is a pressure vessel that provides a heat transfer surface (usually tubes) between combustion products and water
  • Energy is released from the combustion of fossil fuels producing steam
  • A boiler is an essential component to providing comfort to the home
  • Used to heat up water, and provide heat to the entire house
  • Efficiency of a boiler can deteriorate over time from aging and disrepair
  • This can cause energy bills to increase
  • Boilers have improved considerably in recent years with advancements in technology
  • They are an efficient way to heat water in a home
  • They are highly durable, and can last for a long time with regular maintenance
  • They improve the comfort of a homeowner’s lifestyle and add value to to the property The boiler market is experiencing high demand, despite supply chain issues that continue to be a hurdle to manufacturers
  • The market for boilers is strongest in the Midwest and Northeast regions
  • The industry is also seeing a shortage of trained service technicians, and skilled labor Protecting the environment continues to be top-of-the-mind for homeowners, and

Boiler manufacturers are rising to the challenge

  • Technology meeting efficiency is the name of the game in today’s economy
  • Remote access and Smart-technology are the expectations of homeowners, receiving email notifications with warnings. alarms, and service reminders
  • Contractors need products that are easy to install and maintain
  • ‘The more BTU [British Thermal Units, a measurement of heatlthat can be installed in the smallest amount is of extreme value’ Lyndal Moore, sales manager at Raypak

5 Benefits of installing a pew Boiler:

Energy Efficiency; A new boiler will use the right amount of energy to deliver to a specific location. It sources power more easily minimizing energy waste, saving money on bills.

  1. Cost Savings: Saving money on energy bitts. Some rebates available through manufacturers or State government programs. Reduced maintenance cost, many have a warranty or guarantee. Parts are easier to source.
  2. Comfort: Provide better heat for an overall more comfortable lifestyle. Less noisy, more compact units take up less space. Efficient use of energy yields no fluctuation in

temperature

  1. Improved Safety and Reliability; Old boilers can bring about risks of fire hazard, carbon monoxide poisoning, and respiratory issues due to poor combustion or malfunctioning components. New boilers require less maintenance. Professionals follow state building codes for installation. Allowing a family to feel safe, secure and warm.
  2. Add Value to a Property: Improves the •green’ credits to a home. Home buyers are looking for cheaper energy bills, convenience (regular maintenance, easily repaired) and luxury for their peace of mind.

If you know someone thinking of upgrading their boiler to a more efficient model have them give us a call at Marble Dale Plumbing & Heating.

Sources:

American Bolter Manufacturer’s Association:

Dynamic Air Heating & Cooling:

Plumbing Mechanical Engineer. August 2022 :digitatedition.pmengineer.com/august-2022

  • Spot Cheek on Boiler Marker by Natalie Forster

Marbledale Plumbing and Heating, L.L.C.
Marbledale, CT
(860) 354-8242
marbledaleplumbing@gmail.com
marbledaleplumbing.com

Lisa Berte

LAB Media Designsicon

Designer/Owner

testtesttesttesttesttesttesttestesttesttesttesttesttesttesttestesttesttesttesttesttesttesttestesttesttesttesttesttesttesttestesttesttesttesttesttesttesttestesttesttesttesttesttesttesttes