Posted by: newempiregroupblog | May 21, 2013

How to Manage Distractions at Work

distractedLet’s face it; unless you have an office where you can shut the door and completely close yourself off from the world, you are going to have to deal with various distractions throughout the day.  These distractions can be anything from someone stopping by your desk to say hello, a neighbor speaking loudly to a client on the phone or someone texting you on your personal phone.  As we all know these distractions can be a huge source of frustration throughout your day and although you can’t completely rid yourself of them, there are ways of managing them.

Distraction #1: Your Environment – Are you too hot or too cold? Is it noisy in your work area? Is your desk a mess?  All of these things may either support your focus or aid in distracting you from your work.  If you know your office is kept at a cooler temperature than you feel comfortable in, bring a sweater to leave on your chair.  Making small changes in your daily routine may significantly lessen the distractions that normally interrupt your workflow.

Distraction #2: Your Email – When you see the little notification pop up at the bottom of your screen indicating you have a new email, do you instantaneously check your inbox?  It is a natural response to instantly reply to the message, but this can be a big distraction from the task you are currently working on.  If you’re working on a big project, try closing your email for an hour.  You may be surprised at how much work you actually get done when you devote your whole attention to one project at a time.

Distraction #3: Your Cell Phone – If you walk into any office these days you will see a cell phone out on almost every desk you pass (sometimes even two cell phones!  One for work, one for personal use).  Most people don’t leave the house without their cellphone in hand.  This has become ‘the norm’, but it may also be a huge distraction at work.  If you see a social media notification go off on your cell phone or a new text message, you’ll most likely stop what you’re doing and check it.  Like the emails, try turning off your phone and putting it in a draw.  Make it a point to only check it twice a day while at work.

Distraction #4: People – It’s no secret, other people are a distraction.  Do your best to try to avoid getting stuck in excessively long conversations about your weekend or ‘water cooler’ chat.

Like people do with food journals to keep track of caloric and food intake, try keeping a ‘time management log’ to see how much time you’re spending on each task throughout the day.  Being aware of the time you’re wasting is the first step in avoiding distractions!

Check out the great Insurance Programs for Condominium Insurance, Cooperative Insurance, Apartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers!   And keep up to date with what’s going on at New Empire Group, LTD. by visiting our social media sites –  Facebook, LinkedIn & Twitter!

Posted by: newempiregroupblog | May 16, 2013

A Basic Guide to Social Media Marketing for Small Businesses

Does the thought of using social media as a marketing tool give you a headache?  As I’m sure you’ve noticed, social media is not going away.  So, If you’re interested in getting started with social media marketing but don’t have a clue where to begin, keep reading.  This blog is designed to give a basic explanation the different social media sites you can use in your small business marketing campaign.

Social Media Site

Description

Facebook

Facebook

With over 845 million users, Facebook “helps you connect and share with the people in your life”.  And it’s is not just for personal profiles any longer.  Your agency can post pictures of events, important highlights, agency news, etc. as well as following other leaders in your respective industry to keep up to date with what’s going on.

 Twitter

Twitter

Twitter is a real-time information network that connects you to the latest stories, ideas, opinions and news about what you find interesting.  Find the accounts you find most compelling and follow the conversations.  This is a great way to stay up to date with news straight from reporters, celebrities, industry leaders, corporations or regular people such as clients.  With a 140 character limit, you must be short and to-the-point.

foursquare_logo1

Foursquare

This is a location based check-in ‘mobile app’ that allows you to discover and learn about great places nearby, search for what you’re craving and get deals and tips along the way.  By using Foursquare and suggesting that your clients use the app it will allow your clients to ‘check-in’ to your agency or a meeting with you.  Everyone who is following that particular client will see the update and in turn, become aware of your agency.

instagram

Instagram

A mobile app that allows you to snap a picture, choose a filter and share photos with friends & family.  A lot like Twitter, Instagram allows you to expand your reach by #hashtaging certain key words and phrases.  This allows your posts to be seen by people that may not already be familiar with your business, but are interested in the content that you are sharing.

 YouTube-for-iOS-app-icon-full-size

YouTube

YouTube allows people to discover, watch and share originally-created videos.  This could be a great tool for your agency to get the word out about different products or programs you’re offering.  It gives you the opportunity to create viral buzz about your agency as the site receives over 3 billion views per day!

 LinkedIN

LinkedIn

LinkedIn is basically an ‘online resume’.  It is the world’s largest professional networking tool.  This is a great way for industry professionals to meet other industry professionals.  There are online ‘discussion’ boards for almost every industry and allows you to stay current with industry news.

 pinterest

Pinterest

A social media ‘bookmarking’ site that allows users to collect and share photos and links to their favorite interests, DIY crafts, hobbies, recipes, websites, etc.  Millions of people use pinterest to make a wish list, plan a trip, and organize and event, start a collection or plan a project.

Click here to download a .pdf version of this table to forward on to your clients & co-workers!

Are you still confused about how to post on each site?  The example below might help!

guidetopostingonsm2

It is important to remember that Social Media is not just for personal use anymore.  It is a great way to reach thousands of people the way you never could before.  Word of mouth is a powerful marketing tool and using social media allows your clients to do most of the work for you by ‘checking in’ to your business on Foursquare or Facebook, posting about how great their meeting was with your company on Twitter or Facebook, or posting a picture of themselves at your company on Instagram.  It is really amazing how many people you can reach through social media.

New Empire Group, LTD. offers coverage for Property Managers, Community Associations and Apartment Building Owners! To check out what’s new at New Empire Group, LTD. visit our social media sites – Facebook, LinkedIn & Twitter!

Posted by: newempiregroupblog | May 14, 2013

Potential issues for Property Managers that can easily be avoided…

 

property managersPotential issues for Property Managers that can easily be avoided…

It is no secret that Property Managers have a lot on their plates.  It’s a tough job to manage the many variables required to keep properties running smoothly.

Below is a list of areas that you can discuss with your clients that commonly result in problems for property managers.

  • Documentation/Not keeping proper records – Keeping good records is an important way to avoid any issues in the future.  Documenting interactions and resolutions with tenants, vendors and clients is the best way to minimize the consequences of litigation.
  • Avoiding correspondence - Not returning calls and emails may be the biggest complaint about property managers.  You may want to suggest they set aside an hour a day for email and phone correspondence to ensure they are keeping up with all of the demands and issues of their tenants, contractors and landlords.
  • Under-estimating the need for preventative maintenance – I.e. not inspecting the property on an annual basis… Inspecting the property on a regular basis can protect your clients and their residents from safety and financial liabilities. It is important to check smoke alarm batteries, air conditioner and heater filters, carbon monoxide detectors, washing machine hoses, etc.   You may want to mention that conducting regular inspections will allow them a chance to address any lease violations and deferred maintenance.
  • Not sufficiently screening credit applications, rental references, and proof of income – In order to screen these properly you must have written standards that are both firm and realistic.  Verifying the identity of a potential renter or owner prior to releasing possession is also very important.
  • Entering a property without proper reason or notice - Whether performing an inspection, conducting a repair, or arranging for a potential purchaser to see the interior of the unit, you must give proper notice to the current resident.  This will reduce any resentment for any perceived inconvenience or intrusion.  Don’t forget to document the notice in some form. The only time it is acceptable to enter a unit without notice is in the event of an emergency only.
  • Not enforcing late rent policies – As soon as it is determined that rent is past due, your property manager clients should begin with confronting the tenant to find out what the problem is.  After speaking with the tenant they should document and then follow the protocols for the municipality they are located in and make sure a 5-day notice is served.
  • Trying to evict a non-paying tenant without the guidance of an eviction attorney – If your property manager client has taken the prior steps to enforce their rent policy and has still not received the payment, it is then time to start the eviction process with a procedure developed by an attorney that knows how to handle unlawful detainers.  Mishandling evictions can lead to E&O claims for your property managers.

 

You may want to suggest New Empire Group’s Property Managers E&O Program to your clients at this time.  Our program offers a comprehensive approach to professional liability for property managers.  For more information regarding our Property Managers E&O Program, visit our website.

Posted by: newempiregroupblog | May 10, 2013

Mother’s Day Trivia & Fun Facts

Mother'sDayFlowers

Mother’s Day is one of the most popular holidays in the United States.  It is a day dedicated to showing appreciation for all mothers and is celebrated around the world.  Mother’s Day is traditionally celebrated with phone calls, greeting cards, gifts, festive dinners and sending flowers from children to their mother’s to show their gratitude.

In honor of Mother’s Day, we’ve compiled a list of fun and interesting facts about the Mother’s Day holiday and about Mothers in general! Enjoy!

 

  • Anna Jarvis is recognized as the Founder of Mother’s Day in the U.S., which originated on May 12, 1907 after she held a memorial services at her late mother’s church. Within five years virtually every state was observing the day, and in 1914 President Woodrow Wilson made it a national holiday, designating the second Sunday in May as ‘Mother’s Day’.
  • Each year Anna would send Carnations to the church in Grafton, West Virginia to honor her mother. Carnations were her mother’s favorite flower and Anna felt that they symbolized a mother’s pure love.  The red carnation has become the official flower presented to mothers on mother’s day.
  • A trend that has become popular on Mother’s Day is wearing or giving flowers.  A red carnation today signifies respect of a living mother, while a white carnation is worn or given in honor of a mother who has passed away.
  • Less than a decade after she fought so hard to make it happen, Anna Jarvis ended up despising the holiday she helped popularize. She spoke out vehemently over the commercialization of Mother’s Day, called for its demise and was arrested during one of her protests in 1948.
  • In 2009, there are an estimated 85.4 million moms in the United States.
  • Just over half of women aged 15 – 44 in the U.S. are mothers.
  • In 2008, the average age for a woman’s first birth is 25.1, slightly up from the previous years.
  • The number of stay at home moms is dropping. It’s gone down from 5.3 million in 2008 to 5 million in 2010.
  • On April 9, 2003, Satyabhama Mahapatra, a 65-year-old retired schoolteacher in India, became the world’s oldest mother when she gave birth to a baby boy.
  • Jayne Bleackley is the mother who holds the record for the shortest interval between two children born in separate confinements. She gave birth to Joseph Robert on September 3, 1999, and Annie Jessica Joyce on March 30, 2000. The babies were born 208 days apart.
  • Elizabeth Ann Buttle is the mother who holds the record for the longest interval between the births of two children. She gave birth to Belinda on May 19,1956 and Joseph on November 20, 1997. The babies were born 41 years 185 days apart. The mother was 60 years old when her son Joseph was born.
  • 24.8 is the median age of women when they give birth for the first time – meaning one-half are above this age and one-half are below. The median age has risen nearly three years since 1970.
  • The odds of a woman delivering twins is 1-in-33. Her odds of having triplets or other multiple births was approximately 1-in-539.
  • When the female embryo is only six weeks old, it makes preparations for her motherhood by developing egg cells for future offspring. (When the baby girl is born, each of her ovaries carries about a million egg cells, all that she will ever have).
  • August is the most popular month in which to have a baby, with more than 360,000 births taking place that month in 2001.
  • Tuesday is the most popular day of the week in which to have a baby, with an average of more than 12,000 births taking place on Tuesdays during 2001.

New Empire Group would like to wish all of the Mothers out there a very Happy Mother’s Day!

Sources: www.wikipedia.org; www.history.com; www.womansday.com

New Empire Group, LTD. offers coverage for Property Managers, Community Associations and Apartment Building Owners!  To check out what’s new at New Empire Group, LTD. visit our social media sites –  Facebook, LinkedIn & Twitter!

Posted by: newempiregroupblog | May 7, 2013

Hurricane Season is Rapidly Approaching

 

??????????????????????The 2013 Hurricane season is rapidly approaching and it’s a great time to remind your client’s to review their insurance coverage before a disaster strikes.  The hurricane season will officially start on June 1st and last through November 30th.  The Weather Channel released its first 2013 Atlantic hurricane season outlook on April 8th, 2012 and predicted another active season.  The 2013 Weather Channel forecast calls for a total of 16 named storms, 9 of which are expected to become hurricanes, including 5 major hurricanes (Category 3 or higher).  It is important to remember though that the forecasts are for the total number of storms that may occur anywhere within the Atlantic Ocean, not the number of storms that will make landfall in the U.S. 

 

Although each hurricane season is unique, you should prepare the same way every year because these predicted, and very powerful tropical storms wreak havoc on communities when they actually do make landfall.  It is beneficial that severe weather such as hurricanes and tropical storms can normally be tracked days ahead of any impact which provides ample time to prepare for a potential evacuation.  In spite of such warnings and tracking, each year thousands are left unprepared for these devastating storms and have to deal with their aftermath.

 

Let your client’s know that generally, there are three essential steps to disaster and emergency preparedness:

 

1.)    Have a disaster supply kit – Click here to download our Disaster Preparedness Checklist

 

2.)    Develop a plan for what you, your personnel and your family will do prior to disaster striking.

 

3.)    Stay informed during severe weather however you can.

 

  • The American Red Cross has created a ‘Hurricane App’ which is a great source of information during severe weather.

 

As many of us have learned last year from Hurricane Irene, Tropical Storm Isaac and Superstorm Sandy, it is crucial to be prepared for each storm the same way. Be sure to check your client’s insurance policies ahead of time to ensure they have the coverage they need.

 

New Empire Group, LTD. offers coverage for Property Managers, Community Associations and Apartment Building Owners!  Double-check your General Liability and Umbrella coverage to make sure you don’t end up with any unwanted claims!

 

To see what’s new at New Empire Group, LTD. visit our social media sites –  Facebook, LinkedIn & Twitter!

Posted by: newempiregroupblog | May 2, 2013

Did you know?…

butterfly

 

I’m sure you’ve heard the term; you can’t judge a book by its cover.  This is true, what you see on the surface, may not be what’s actually there.  You’ll find this is true when reading the following random facts…

 

  • Butterflies taste with their feet.
  • Humans are born with 300 bones, but adults only have 206.
  • rubix-cubeA polar bear’s fur is not white, it is really transparent with a hollow core that scatters and reflects visible light.
  • A Rubik’s cube can always be solved in 20 tries or less.
  • “Stewardesses” is the longest word that can be typed with only the left hand.
  • A full-grown bear can run as fast as a horse.
  • If you shave the fur from a tiger, it would still have its stripes.
  • The elephant is the only animal that cannot truly jump.

As stated above, sometimes things are more than what they seem.  You may already know that New Empire Group offers great coverage for Commercial Umbrella Insurance, which is true but, we also offer the following Programs & Products that you may not know about:

To see what’s new at New Empire Group, LTD. check out our social media sites –  Facebook, LinkedIn & Twitter!

Posted by: newempiregroupblog | April 30, 2013

Why Your Clients Need Commercial Umbrella Insurance…

Property Managers, Property Owners, Coop Boards and Landlords research and deal with many different types of insurance policies for their property.  One of the most commonly overlooked (and one of the most important) types of insurance is the umbrella insurance policy.  It’s important to let your client’s know that primary coverage may not be enough to cover them in the event of a catastrophic claim.  This is where their umbrella insurance would come into play.

If you’re client is still not sold on their need to purchase umbrella coverage, you can suggest they consider the following factors:

  • A tenant carrying her baby on an insured’s premises slipped on the floor, which she alleges was wet.  The mother landed on her infant, causing severe, permanent damage to the client’s hip and leg.  The claim value equaled $3,000,000.
  • A commercial tenant decided to renovate the space he rented in a building.  After receiving permission from the landlord (who required a hold harmless contract), the tenant hired someone to come in and do the renovation.  One of the contractor’s workers fell down an elevator shaft and was severely injured.  Because the tenant did not have proper contracts with the contractor holding them harmless and naming them as an additional insured, he was found solely liable for the loss amounting to $2,500,000.
  • An apartment manager received an application from a biracial couple and denied their application based on a falsified credit check.  The couple claimed discrimination based on race.  The general liability insurer’s definition of Personal Injury did not include discrimination; the umbrella coverage dropped down to respond to the claim amounting to $200,000.

Now that you’ve got your client’s attention about Umbrella Insurance, you may want to mention that New Empire Group provides a wide variety of umbrella programs for all of their Real Estate and Hotel coverage needs.  Our Umbrella program has limit options of $1 million, $5 million, $10 million, $15 million, $20 million, $25 million, $50 million, $75 million and $100 million for Community Associations, Apartments and most Real Estate risks.  New Empire Group also offers limits of $5 million, $10 million, $15 million, $20 million and $25 million for Hotel exposures.  Coverage is provided through the nation’s top carriers on a fully admitted basis in all states.

For more information about New Empire Group’s Commercial Umbrella Program, visit www.NewEmpireGroup.com or email info@newempiregroup.com

burglars

Crimes like burglary and other criminal activity put property managers and property owners in a tough position.  While managers and owners want to provide relevant information so that tenants can protect themselves and their property, they also do not want to deter would-be tenants.  One way to diminish this paradox is through preventive action.

Burglary is one of the most psychologically invasive home crimes, yet is one of the easiest to prevent.  On average burglaries occur every 15 seconds in the US and are likely to happen between the hours of 9 a.m. and 3 p.m. An interesting fact is about 30 percent of all burglaries are classified as “unlawful entry”, meaning the burglar was able to gain entry without using force – often through an unlocked door or window.

As previously stated, although advertising criminal activity in the surrounding area may hurt the reputation of their property and alarm existing tenants, property managers should not avoid informing their tenants of such a problem.  It is important to provide tips for safeguarding themselves and their property.  Having actively involved and alert residents can help prevent such crimes. Be sure to remind your property managers to communicate such information in a calm, straight-forward manner.  They should also supply contact information for local police so that suspicious activity can be reported.

These tips are helpful for landlords, tenants, and property managers alike. 

  • Install peepholes and intercom systems.
  • Look to see who’s at the door before opening it.
  • Lock all windows, as well as your doors whenever you go out.
  • Call the police if your visitor won’t leave when asked to.
  • Send salesmen or those looking for help or information to the property manager or building supervisor.
  • Vary your daily routine. A large percentage of apartment and rental property burglaries are “inside” jobs. If at all possible, come home or leave home at different times of the day to confuse those who would otherwise be in the know.
  • Install timers. You can buy a timer for your condo or apartment and set it to turn on your television or radio. The settings can even be random to create a more realistic illusion that the occupant is home. Generally costing about $15, these are a cost-effective way to outsmart potential burglars.
  • Make sure the exterior is well-lit.
  • Install deadbolt locks, but be sure to give your building maintenance manager a key!

Encourage your clients to keep their property in good order and make it clear at just a glance that it is carefully protected. And remember, there’s no quick fix for ridding an area of crime.

To learn more about New Empire Group, Ltd. visit our website, www.NewEmpireGroup.com or find us on Facebook, LinkedIn & Twitter!

Check out the great Insurance Programs for Condominium Insurance, Cooperative Insurance, Apartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers!

Posted by: newempiregroupblog | April 23, 2013

What is Inland Marine Insurance?

A large orange backhoe parked at a construction site

Inland marine insurance is a form of property insurance.  Regular property insurance is for stationary objects, whereas marine insurance is for property that can be put in transit or can be in transition (i.e. builder’s risk).  Generally, if the property is in transit over a body of water it is covered under ocean marine insurance and if the property is in transit over land, it would be covered under inland marine insurance.

When you hear the term, ‘Marine Insurance’ you most likely think of insurance coverage relating to large bodies of water or boating.  Well, you aren’t completely off-base with this idea.  The origins or marine insurance allegedly started back in the 17th century when merchants relied on bodies of water such as oceans, rivers and canals as their main routes for transportation.  ‘Ocean marine insurance’ was initially offered for the cargo of ships transporting goods across these waters.  This coverage eventually expanded to include cargo after it had been unloaded and would then be considered ‘Inland Marine’ insurance.  This coverage is used by those who are nowhere near the ocean and have no intention of carrying anything by ship.

Commercial insurance usually covers specific scheduled premises.  Inland marine insurance applies to the goods and property associated with someone’s job, regardless of where they are.  For example, a manufacturer’s product being shipped across the country is covered or equipment owned by a contractor.  In addition, fixed property used for communications or transportation is also included, such as computers, bridges, radio/television broadcasting equipment, etc.  Buildings under construction are also covered under builder’s risk.

You may want to recommend inland marine insurance to your clients to fill gaps in their coverage.  If they repair, service or perform work on the property of others, this insurance can cover losses to goods that occur on the job site or while being transported from one site to the other.

Again, although the term ‘marine’ may have you thinking about boating insurance, it is more than it seems.  Inland Marine insurance is one of the most diverse types of Property & Casualty insurance and should not be disregarded.

Click here for more information on Inland Marine Insurance.

To learn more about New Empire Group, Ltd. visit our website, www.NewEmpireGroup.com or find us on Facebook, LinkedIn & Twitter!

Check out the great Insurance Programs for Condominium Insurance, Cooperative Insurance, Apartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers!

Posted by: newempiregroupblog | April 18, 2013

How to Utilize Social Media during a Crisis

SOS

Although society relies a great deal on traditional crisis communication resources such as TV and Radio, Social Media platforms are becoming a major tool for communicating emergency information to clients, friends, colleagues and mass groups of people in general during a disaster or crisis.  Social Media allows instantaneous access to your target audience.  Mobile Apps and Social Media are tied for 4th place for the most popular source of emergency information during a disaster.  According to an American Red Cross survey in June of 2012, 1 in 5 Americans have used and app to retrieve emergency info.

When interacting with your target audience during emergencies you should remember to express empathy while demonstrating competence.  You should also display honesty and openness about the situation and show commitment to helping them by providing pertinent information and useful tools regarding the situation at hand.

The Do’s and Don’ts of Posting on Social Media during a Crisis

DO

DON’T

Provide accurate and clear information

Post without checking if the info is current

Provide action steps

Use overly defensive or angry language

Time & date-stamp critical information

Don’t over reassure

Include hashtags that people are using for that particular event

Embellish the truth or state any facts that you’re unsure of

 

Even if you’re new to social media, you should not be intimidated by it.  It is a useful tool in connecting with your clients and providing important information, especially during a crisis.

To learn more about New Empire Group, Ltd. visit our website, www.NewEmpireGroup.com or find us on Facebook, LinkedIn & Twitter!

Check out the great Insurance Programs for Condominium Insurance, Cooperative Insurance, Apartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers!

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