| | | | Welcome to Allied Brokers' September 2011 Newsletter! |
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| | Client of the Month |  VIRGINIA P. HUMPHREY PH.D.
JUNGIAN ANALYTIC PSYCHOTHERAPY / PSYCHOANALYSIS
CHILD, ADOLESCENT & ADULT
TEL. (650) 321-1700
FAX. (650) 325-1700
VPHPHD@aol.com
www.doctorhumphrey.com
900 WELCH ROAD SUITE 205
PALO ALTO, CALIFORNIA 94304
Training: 2009: C. G. Jung Institute of San Francisco, Certification in Child & Adolescent Psychoanalysis
Associations: 2009 - Present: National Association for the Advancement of Psychoanalysis (NAAP), National Certification in Psychoanalysis.
Associations: 2009 - Present: C. G. Jung Institute of San Francisco, Certified in Child and Adolescent Psychoanalysis.
We can put you on our website as 'Customer of the Month'. This way, visitors to our website will also see your advertisement. And if you have any discounts or special deals, we will gladly advertise them for you, thereby increasing your exposure to potential customers.
Do you want to be our 'Customer of the Month' or be included in our 'Client Referral Network'? Call 650-328-1000 or send us an email to abcosales@alliedbrokers.com.
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| Customer Appreciation Drawing for Sharks Tickets |  You have supported us all these years and we want to say thanks by offering you a chance to win a pair of 'Club Level' Sharks tickets.
 Winner from August 2011 Drawing
Teresa Mendivil from AA Lock & Alarm
Winner from 147 client respondents
To participate in this month's (Sep 2011) drawing (for Sharks Tickets) send an email with subject "Free Tickets - Sep 2011 Drawing".
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| Do You Need EPLI? | EPLI stands for Employment Practices Liability Insurance and the number of businesses that are either unaware of this type of business insurance or feel that they do not need it is surprising. At Allied Brokers we find that less than 20% of our business clients have purchased this type of policy.
 EPLI covers businesses against claims from employees that their legal rights have been violated or that they have been subjected to harassment of various types. In an increasingly litigious world where job security is uncertain, the number of lawsuits filed by employees against employers is on the rise. Even the best of employers are subject to this. It is not that workers have become bloodsuckers - in an atmosphere of such uncertainty it is easy for the most open and honest acts to be perceived as infringements of rights or harassment. And with the prospects of finding new employment uncertain, employees who feel aggrieved, rightly or wrongly, will often try to get the maximum compensation possible.
While it is the lawsuits against the large corporations that get the most publicity, small and medium businesses are facing increasing instances of such liability claims. EPLI policies will reimburse you for the costs of defending a lawsuit and for judgments and settlements arising from these suits. The cost of the policy depends on the nature and size of your business. Smaller companies usually prefer to purchase an EPLI endorsement on their existing Business Owners policy and larger organizations often prefer standalone EPLI coverage. Contact Allied Brokers and we will work with you to find the right EPLI policy for you. Don't take chances; a liability claim can cost you your business.
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| Are Your Low Insurance Rates The Best Rates? | The insurance industry has been engaged in a brutal price war ever since 2004. Because of this, insurance rates, with the exception of health insurance, have been falling every year. In an effort to gain a greater market share, insurance companies are continuously cutting their rates. Obviously, this leaves consumers happy and with premiums becoming lower each year, they are happy to keep renewing their policies.
 But are the low rates the best rates? Does a reduction of say 5% in your insurance costs mean that you should be satisfied and not shop around for even greater savings? How much more could you save? Here is a real case in point. A new car was purchased in 2006 and the insurance jumped to $2500. The car owner shopped around and contacted 15 insurance companies. 14 of them offered rates ranging from $2200 to $3000. But one of them offered $1500. Were the 14 high priced insurance companies smart or stupid? Or was the one offering the $1500 policy, nuts? Does it matter? The consumer got his insurance at a massive saving and that's what counts.
Rule of thumb in the insurance industry is that if a policy is priced lower than the average market rate by 33% or more, the insurer is a fool. Call us and we'll help you find the fools offering the cheapest insurance policies that match your needs. When companies are underpricing their products in an effort to gain market share, why shouldn't you get the maximum benefit from the situation?
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| About Us | Allied Brokers has been meeting the insurance needs of Bay Area individuals, professionals and businesses for over 50 years. Our clients depend on not only to provide them the kind of insurance coverage they need but also to guide them in finding the best insurance options. We represent the leading insurance companies of the country and our long years of experience and insurance expertise allow us to find the right insurance solutions for every client and every contingency. Our dedication to client service means that we do not limit ourselves to selling you insurance; we focus on giving you the best and most cost effective coverage so that you focus on your life and your business. Why not visit our website at www.alliedbrokers.com to have a look at what we can do for you? The 'Contact Us' page provided all the information you need to get in touch with us. Or you could just ask for a free online rate quote. It's often not possible to prevent the worst from happening, but with Allied Brokers, you can always protect yourself from the consequences.
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