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Cobine Carmelson Newsletter, April 2013

In This Issue
Happy Birthday Cobine Carmelson
Want 20% more business in 10 weeks but worried you'll be perceived as pushy?
Insurance review for business owners

Featured Video

 
Robert Glazer interviews Jason Cobine
Interview "People are angry because they buy protection in good faith"

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5 Key Questions and How to Choose a Group that Fits. Download your FREE copy here

Monthly Risk Reduction Tips

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Directors must protect themselves - nobody else will do it for them!

 

Greetings! 

 

 

Welcome back, April already! Quarter one has ended and law firms seem to be going to the wall with alarming regularity. It's not just because their insurance premiums got to a ridiculous level, yet it must be a contributory factor to the cash flow problems.

I've been advising solicitors how to keep these costs down for years and those that have four or more partners are lucky enough to have a few options that the smaller firms cannot access. Yet we love helping small firms too.
Bernard
Photograph: Wikipedia
 
A big thanks to all of those that noticed we turned 5 in March. That is history but we are not. It is all thanks to you for the introductions so please keep them coming. We do not turn anyone away, sometimes we cannot help, yet we know a woman or man who can.

There's a growing debate about Directors protecting themselves from over zealous regulators, fuelled by this article. Directors are finding the cover they thought protected them actually doesn't, because of small print. And it's not just about Directors getting angry, it's their legal advisers who are not getting paid.

It is safe to say some are a bit late in noticing this issue, we highlighted it back in 2010 when we wrote about the withdrawal of defence for mad Bernie Madoff.  

 
The Lawyer are behind the curve on this, yet it has become topical because lawyers fees are not being paid. Here's our latest blog on how Lawyers can avoid doing work for nothing and Directors can protect themselves properly.

Some of the claims we have been dealing with lately might help you or your contacts avoid the pertinent issues of the day. One policyholder is getting the blame because their client failed to pay ANY vat. Another is trying to get their landlord to pay for a door damaged in a theft. A marketing expert is minus an iPad which had its "iWipe" disabled before it could be activated. Another have had their identity stolen and �16,000 removed from an account with their "unsympathetic" bank.

And Intellectual Property issues were raised again, with clients being accused on infringing in America. We've also been helping clients, who rely on their reputation, wanting to manage the risks to their website and remove the uncertainty of who pays for what when their hosting company lets them down. This client is UK based with a US subsidiary yet we are also able to help when parent companies are in the US.
 
This is one of the reasons our clients trust us with these issues, because there is so much at stake:

"Jason provided a detailed consultation, reassuring me we were getting the right cover. When we had an accident and needed to claim, he managed the process expertly and efficiently. Highly recommended."  
John Bingham, Owner, Spider Design Ltd 
 
John isn't our only happy client - see more of our testimonials >>>
   
Why do people even think about talking to us? They are:  
  • Not sure if they are exposed to supplier errors?
  • Covered already, yet not sure about their insurer's Terms & Conditions?
  • Had "near misses" and don't want to risk their reputation?

Keep in mind our 1 hour review, which is complimentary for your contacts, especially those who are unsure that their insurance will do what they want it to, or have been annoyed when the terms and conditions were not explained to them. Scroll to the bottom - don't miss out!

 

Or give Jason a call if there is a specific risk you would like to be reassured about.

 

Take care,

  

Jason signature  

Jason Cobine

Not Just Insurance - Reassurance!


Cobine Carmelson

24 Avonmore Road, Kensington Village, London W14 8RR
Tel: 020 7371 2812 |
[email protected]

www.cobinecarmelson.com

 

 

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Beyond Networking - helping firms grow by at least 20%

 

 

Beyond Networking logo

We have developed three different 2 hour briefings because turning up at business networking events, collecting business cards and developing an "elevator pitch" simply won't get the commercial networking results a business needs, nor will it help to generate business for others.

 

"Jason('s) presentation was excellent. I started using some of his very effective

networking techniques the same day. If you invest time in networking his briefing

will dramatically increase your results."

Graham Prior, Director at Mirus IT Solutions 

  

Check available dates to our networking briefings here.

  

Some of those who have attended our seminars and workshops went on to ask for our help in engaging with their current clients and prospects.

 

A Networking Seminar for your Contacts or Clients? >>> 

   

The new economy is about working smarter, collaborating with others and sharing and spreading knowledge ... it's about mixing new web-based strategies and excellent communications.   

 

Research shows that 83% of us are influenced by word-of-mouth! 

 

Discover what Geoff Newman described as "unique, innovative and logical." 

 

PS. We have prepared a special report on why networking doesn't always work!  No Card! No Email! No Obligation! - if time is money, this report is priceless. 

 

 

Directors often end up "carrying the can"  

 

 

 

Request a quote

Shock! horror! Insurance doesn't always work! 

 

 

Directors we've helped were often concerned about: 
  • Making mistakes (albeit innocently) in their duties  
  • Tribunals following allegations of discrimination  
  • Shareholders or investors getting angry at the numbers
  • Data, copyright, or intellectual property infringements 

Check out our guide for Directors outlining who is most likely to take action against them and typical reasons. Or you can go direct to our immediate quotation service and find out about protection in just a few clicks.

 

Protection for business owners, Directors or those with regulatory responsibility is just a few clicks away Get an instant quote >>>  

Gift an Insurance Review to someone you know
Free consultation

Don't wait until next year because we give 1 hour of our time FREE. We do this because people we meet value our passion for reducing risk and getting claims paid, and often appoint us as a result of the review - not that we're saying everyone does - we know we're not for everybody. 

 

Further details >>>  

 

Or see some testimonials from satisfied clients who claimed their review. 


 

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