Real-Life Communication
As in any sales job, communication is essential. You have to be
able to talk to your customers! You must be able to speak clearly and effectively
to clients.
This is especially important for insurance agents and brokers.
The challenge comes in translating complicated insurance jargon into language
clients will understand.
Still, a broker or agent should not make things
so simple that important information is left out! If a customer buys an insurance
policy for their house and they don't understand that this policy doesn't
provide enough coverage if they have a fire, they are not going to be very
happy with their insurance agent. It is very important for a broker or agent
to make sure their clients know exactly what they're buying.
Let's
see how good you are at translating insurance jargon.
You are an insurance
broker. A customer comes to you with a question about her home insurance.
Your customer rents her attic suite to a young man. Instead of paying rent,
he takes care of the property and yard.
She wonders if there were a
fire, would his belongings be covered under her household insurance policy?
She wants you to write out in plain language the section of her policy that
deals with this issue. Find that section and write a paragraph for her, explaining
how it works.
Coverage C -- Personal Property
We
insure the contents of your dwelling and other personal property you own,
wear, or use, usual to the ownership or maintenance of a home, at your premises,
or while temporarily removed anywhere in the world. Included in this section
are:
1. Personal property damaged by a change in temperature resulting
in physical damage to your dwelling or equipment, caused by an insured peril;
2.
At your option, personal property of others, while on that portion of the
premises which you occupy, except the property of roomers or boarders. You
may include the personal property of a residence employee while in service
to you;
3. Outdoor, above ground swimming pool and attached equipment.
We
do not cover property you normally keep in any other residence of yours, except
while you are temporarily residing there.
Property of an insured who
is a student, while temporarily residing away from home, shall be considered
to be on your premises.
Property of an insured, while contained in
an automobile home trailer that is owned or leased by you, is covered up to
$500. This does not cover equipment and accessories built into and forming
part of the trailer.