Joining CoupCounts Will Help Your Company:

1) Attract New Customers

2) Increase Sales

3) Receive Discounts from other Members

4) Learn Powerful Online and Social Media Marketing Advertising Strategies To Help Your Company Grow

What is CoupCounts?

We are a network of local business owners and sales representatives interested in attracting new customers, increasing sales and profits utilizing the power of Online and Social Media Marketing for our companies.

How CoupCounts Works?

Member Only Discounts – As a member in good standing you are entitled to discounts other members provide on the products and services they offer.

Example: You run a full-service restaurant and your son breaks the screen on his smart phone and you learn that it will cost $250 to replace the screen from manufacturer.

You login to your CoupCounts page and search for a company offering screen replacement on smartphones and after the membership discount is applied you pay only $79!*   (Discounts are available for your company and immediate family members)

Gain New Customers – Your business has an opportunity to offer products and services to other members not yet clients of your company or small business.

Example: You run a dental practice specializing in orthodontia for children and you provide a 15% discount off your normal advertised rates to CoupCounts members.

In 12 months you receive 43 new client patients because of your offered discount increasing sales by more than $200,000.*

Your only advertising expense is a small transaction fee for each new customer.

Viral Advertising Campaigns – You decide to run optional CoupCounts Swipe It Deals™ on your membership page.

Example: You own a restaurant and decide to run CoupCounts Swipe It Deals™ during your slow time and you generate 200 extra customers in the year!*

Powerful Online and Social Media Marketing Advertising Strategies – Learn how to utilize online and social media marketing strategies in your business to help your company Grow.

Example: You want to learn the best ways to engage in the latest strategies for online and social media marketing to advertise your business. 

You login to your CoupCounts membership page or access our Private Forum Group on Facebook to study the most up to date techniques including real case studies on best practice marketing and advertising strategies.

How Do I Join CoupCounts?

Your company must be in good standing with the community, and you must be willing to offer a special discount to other CoupCount members.  Not all companies will qualify for a membership.**

Call Pathway Insurance at 513-662-7000 and speak with Jack Thomas or Colin Johnson to make inquiries. 

*The discount amounts offered vary by company as well as the amount and number of new sales volume and client acquisition. Results are not guaranteed. Examples used are hypothetical, not actual results.

**CoupCounts does not accept membership from every type of business.  Review the terms and conditions on CoupCounts.

What Is Our Re-shopping Service and How Will It Keep Your Rates Low For Life?

My name is Jack Thomas.  As one of the owners of Pathway Insurance I wanted to tell you about a special service we offer through our agency that is guaranteed to help you keep your insurance premiums low for life. 

This strategy is not offered by any of the companies you see advertising on television. It is a service we provide you free of cost if you decide to allow our agency to care for your insurance needs. 

Why Insurance Companies Raise Prices? 

The reason why insurance rates may have been increased recently is because your company has simply paid out more money than what was anticipated for claims and losses and this is why you did receive a rate increase.   

Here is a question you might be curious about. 

How is it possible for one insurance company to have significantly better rates than another company? 

Some companies advertising on television claim that because you buy insurance direct or online you will save money, is that true?   

Not at all. 

The insurance industry is very competitive and because of this reason insurance underwriters are constantly developing new insurance programs to attract what they believe will be the most profitable clients to their company. 

I call this insurance pricing technique the Bait, Catch, and Switch Insurance Pricing Model. ™ 

Many of us have probably heard the term bait and switch; this is how it works for insurance, step by step: 

Insurance companies bait the water with cheap insurance rates.

They catch new customers as they buy new insurance policies.

Later the insurance company increases prices because of higher than anticipated claims and losses.  (Switch)

This is exactly how every insurance company operates without any exception. 

They lower prices to gain customers, and later raise prices hoping you either didn’t notice or you are simply too busy to shop around. 

Because companies lower rates and then raise rates later we developed a special service for clients of our agency. 

When You Purchase Insurance from Our Agency, This Is How We Help You Keep Low Rates for Life. 

We have developed a re-shopping service for all of our clients. 

When we receive your renewal declaration from your insurance company and we notice that your premiums have increased by 10% or more, we will automatically shop around for new insurance rates. 

Or if it any time you would like us to shop around for new rates, simply call our office and speak with one of our licensed staff. We will gladly re-shop the market to determine if a lower price is possible. 

Why Is This Service Valuable to You As a Policyholder? 

This service not only will save you money, it will save you time as well.  You could spend many hours or even days of time shopping around for insurance.  

As an independent insurance agency we have access to the top insurance companies offering insurance in the area and when you receive that inevitable price increase we can help you find companies offering lower rates. 

That is our promise to you and that is why you should seriously consider allowing our agency to care for your insurance needs. 

Why not call us today to learn how you can take advantage of this exclusive service provided by our agency Pathway Insurance. 

Our office number is 513-662-7000 or toll free 1-800-998-0662.

Three other Reasons Why We Are The Best Agency To Care For Your Insurance:

• Pathway Claims Advocacy Program
• Pathway Protection Letter
• Pathway Coverage Checklist

What Is the Pathway Protection Letter and How Does it Protect You from Insurance Claim Denials?

Here are some statistics you may find interesting. Hundreds of thousands of complaints are filed against insurance companies each and every year!

The majority of those complaints are based on claim denials by insurance companies.

In a previous podcast we discussed how our Pathway Coverage Checklist identifies over 60 different common gaps in insurance protection.

The Pathway Protection Letter takes it a step further by discussing specific coverage scenarios that policyholders may find themselves in that could result in a claim denial by your insurance company.

Here’s a fact that is kind of Shocking to me as an Insurance Professional.

Many individuals buying insurance only have a vague understanding of what insurance covers, and what it does not cover.

We developed the Pathway Protection Letter for this very reason.

The Pathway Protection Letter is a bi-weekly newsletter designed to help our clients understand the exact reasons why insurance companies issue claim denials and we even show you where to find that information in your insurance policy. Additionally we provide helpful advice on how to avoid claim denials in the first place.

This is Why You Should Choose Pathway Insurance:

There isn’t an agency in our area that offers something even remotely similar to this service and that is why you should consider choosing our agency to care for your insurance needs.

Why not call us today to learn how you can take advantage of this exclusive service provided by our agency Pathway Insurance.

Our office number is 513-662-7000 or toll free 1-800-998-0662.

Need Additional Proof We Are the Best Agency to Care for Your Insurance Needs?

Please note the three additional services offered exclusively by Pathway Insurance click on:

• Pathway Claims Advocacy Program
• Pathway Coverage Checklist
• Pathway Re-Shopping Service

What is our Claims Advocacy Program and How Can It Help You as a Client of Our Agency.

A claims advocate is someone that stands up for your rights as a policyholder. You might assume this would be a service automatically offered by agents to their policyholders. But the simple fact is that many insurance agents and company representatives will not help you in any way if there is an issue or problem with a claim even if it is not your fault.

For example a client of our agency, Jamie Bettis, owns a local business and one of his medical trucks was destroyed by a teen driver who was texting and driving.

Jamie turned the claim into the other insurance company and that is when his troubles began.

This well-known company that advertises almost nonstop on television in the area was low balling Jamie’s claim by thousands of dollars.

They were refusing to settle unless he accepted what they were offering. Essentially a take it or leave it proposition.

Jamie contacted us because he was very frustrated. He felt as if he was being cheated by this particular insurance company.

Losing his medical truck and his equipment placed him in a bad situation.

How We Helped Our Policyholder with His Claim.

As soon as we became involved in his claim with the other company, we successfully negotiated a larger settlement and Jamie was reimbursed in full.

Regrettably it had to take our direct intervention by means of our Claims Advocacy Program to force the insurance company to pay what they should have paid in the first place.

This insurance company is not unlike other insurance companies seeking to minimize what they pay for claims, but not necessarily in your best interest.

Why Should You Hire Our Agency to Care for Your Insurance Needs?

Can you imagine for just a moment if this was you?

What would you do if you needed to fight an insurance company on your own? Who do you think would win in most cases?

That’s why our claims advocacy program is such an important service.

If you are not yet a policyholder of our agency, why not give us a call?

Our office number is 513-662-7000 or toll free 800-998-0662.

If you choose us as your insurance professional you will be glad that you did, especially if you have a claim.

Need Additional Proof We Are the Best Agency to Care for Your Insurance Needs?

Please note the three additional services offered exclusively by Pathway Insurance click on:

• Pathway Protection Letter
• Pathway Coverage Checklist
• Pathway Re-Shopping Service

What Is the Pathway Coverage Checklist and How Can It Help You to Find Hidden Gaps in Your Insurance Protection? 

My name is Jack Thomas.  As one of the owners of Pathway Insurance I would like to share with you why it’s important to not assume something is automatically covered by your insurance.   

And at the same time I would also like to share with you an important service we offer to our policyholders that can help you discover the hidden gaps in your insurance protection. 

The first step necessary to discover potential gaps in your insurance protection is to dismiss the belief that insurance policies provide universal protection for every possible event. 

The second necessary step is to realize that insurance policies are not identical between companies and there can be significant differences in coverage even if the limits of liability and deductibles are the same!

A well-known company had been running advertisements on television stating that insurance coverage is identical between companies, with the only difference being the price you pay.

This is absolutely not true and misleading. 

Insurance coverage can differ from company to company by means of the fine print in the insuring agreement. 

For example did you know that one insurance company excludes coverage if an unlicensed driver operates your car even without your permission and wrecks it? 

Yet another insurance company may cover the accident!

What about homeowners insurance?

Did you know some companies automatically exclude coverage to personal property damaged because of a sewer backup claim despite the fact you may have endorsed on your policy a water back rider?

Other insurance companies will extend coverage to personal property damaged by a sewer back up claim. 

This is Why You Can’t Assume Coverage is Identical Between Companies.

Our coverage checklist will take you step-by-step through a number of different situations or scenarios that are not usually discussed by insurance agents or company personnel when you buy insurance direct.

A cheap price on insurance without any advice can be detrimental to your financial situation at claims time.

This is Why You Should Choose Pathway Insurance:

If you decide to allow our agency to care for your insurance we will provide the Pathway Coverage Checklist to you at no cost that identifies over 60 different common gaps in insurance protection that you might not even be aware of.

Any potential gap in coverage could cost you tens of thousands of dollars out of pocket.

Call today to discuss your need and learn why we are the best agency to care for your insurance needs.

Need More Proof We Are the Best Agency to Care for Your Insurance Needs?

Please note the three additional services offered exclusively by Pathway Insurance click on:

• Pathway Claims Advocacy Program
• Pathway Protection Letter
• Pathway Re-Shopping Service

When I first started my business many years ago Jack Thomas (one of the owners of Pathway) and I had our offices in the same building. In between our busy work schedules we would chat about different matters from time to time. 

The topic of insurance came up and Jack discovered a significant coverage gap in my insurance policies that could have ruined me financially!

For privacy reasons I won’t go into complete details, but the bottom line is that my previous agent set up my policy incorrectly.

Because of this mistake I would have paid a heavy price financially if we would have had a claim in our business vehicles.

Jack helped me to avoid this situation based on his insurance advice.

The services provided by Pathway Insurance have helped me more times than I can count.

Some time ago I was able to receive an extra $5,000 for one of my X-ray machines when it was destroyed by someone texting and driving when the other insurance company was lowballing my claim. (Not one of Pathway’s companies.)

I was only able to receive this extra money because Pathway negotiated with the other company in my behalf, and I didn’t need to call my attorney (at $350 an hour) to do it.

Pathway did it free of any charge.

Good insurance agents are hard to find, exceptional insurance agencies like the folks at Pathway Insurance are completely unique among their competitors.

That’s why I’m a lifetime customer of Pathway Insurance.

Sincerely,

Jamie Bettis CEO

American Mobile X-Ray

Do you need Ohio water backup coverage on your home insurance?  Call 513-662-7000 to speak with one of our professional agents.

The information that you see below is part of unique service offered only by our agency called the Pathway Protection Letter. ™ 

The Pathway Protection Letter is a free weekly newsletter that educates consumers on why insurance companies deny claims! If you allow our agency to care for your insurance needs, you can receive this information free of cost! 

Pathway Protection Letter™ 

Last week we discussed why the personal homeowner’s insurance policy will not protect you in most instances in the event you are sued because of libel or slander. If you missed that issue please click, Personal Injury Coverage Cincinnati.

The typical homeowner’s insurance policy extends coverage for property damage or bodily injury only. So in other words if something occurs and you were held responsible for damage to the property of another, or you caused some type of unintentional injury your homeowners, renters, or condo insurance policy may extend protection. (Unless of course, there is some other exclusionary condition on the home insurance policy.) 

This week we are going to discuss water or sewage backup claims into your basement or lower level of your home.

Are Water Back Up Claims Covered, or Not Covered By Your Homeowner’s Insurance Policy? 

Coverage Scenario– Record rainfall hits our area for three consecutive days and your spouse calls you at work to let you know that your basement is flooded!

Because you recently invested more than $25,000 to have a local contractor finish your basement you ask your boss for permission to leave work early and you have your wife call your insurance agent to turn a claim in under your homeowners insurance policy. 

As soon as you get home you run downstairs to your newly finished basement and at least 6 inches of water covers the entire floor.  Your wife tells you that she already turned a claim into your insurance company and the agent contacted a water restoration company that will be out within the hour. 

The water restoration company arrives and within a matter of one hour or less they drain all the water out of your basement.  Apparently raw sewage backed up into your basement and the water restoration company tells you that your carpet, and drywall is likely ruined and would need to be replaced.  Additionally they recommend that you completely sanitize your basement, but the price will be around $5000. 

You turn to your wife for assurance that she did turn the claim in and she hesitantly tells you: “Yes the claim was turned in, but there might be a problem.” 

You ask your wife: “What’s the problem?  We have homeowners insurance, don’t we? Did you forget to pay the bill? Did our policy lapse by accident?” 

Your wife tells you, “No I did not forget to pay the bill, the insurance agent told me that we do not have coverage for water back up on our homeowners insurance policy, but they are sending out a claims adjuster to make sure that there was no other cause for the water coming into the basement.” 

The claims adjuster arrives later that day and he determines that the claim was caused by water and raw sewage backing up through the drains.  Five days later you receive a written notice from your insurance company that they are not paying for the claim. 

Because raw sewage backed up into your basement you agree to pay the $5000 for the sanitation, plus removal of all of your carpet and drywall. 

In total your uninsured loss cost you $5,000 for the sanitation, $25,000 that you just paid a contractor to finish your basement, $6018 to replace your furnace, washer and dryer and water heater, plus you lost your $3000 entertainment system for a total out-of-pocket loss of $39,018! 

Why Did The Insurance Company Deny This Claim?  

In next week’s Pathway Protection Letter we will discuss the answer, and how you can avoid a similar scenario in the future. 

Have a great Thursday!

If you need personal injury coverage in Cincinnati contact our independent agency at 513-662-7000.

Pathway Protection Letter™

Last week I shared a coverage scenario where an individual was sued for libel, a judgment of $25,000 was issued against a neighbor for making a false statement on a blog that resulted in damage to the reputation of a neighbor.

If you missed last week’s newsletter, click: Personal Injury Coverage Ohio

The person guilty of libel turned a homeowner’s claim into their insurance company, which they promptly denied!

Could This Same Type of Situation Happen To You? 

Many of us have strong opinions about certain matters.  If we happen to write about our opinion, and it damages another party we could be held legally accountable for the damage.

Freedom of speech does not imply freedom to express any sort of opinion that we so desire, especially if it’s later proved that our opinion was wrong and damaging to another party or business. 

So when exercising your freedom of speech on blogs, social networks, or any public forum where you are allowed to express your opinion be warned, you can be held legally liable for what you say! 

Why a Standard Homeowner’s Insurance Policy Will Not Protect You? 

The typical homeowner’s insurance policy extends coverage for property damage or bodily injury only. So in other words if something occurs and you were held responsible for damage to the property of another, or you caused some type of unintentional injury your homeowners, renters, or condo insurance policy may extend protection. (Unless there is some other exclusionary condition.) 

Personal injuries such as libel, slander, or professional liability exposures are not covered by the typical homeowner’s insurance policy. 

Some Insurance Companies Allow a Personal Injury Endorsement. 

Some insurance companies will allow you to add the personal injury endorsement. Notice specifically what this endorsement ads with one company: 

• The definition of bodily injury is revised as follows: “bodily injury” means bodily harm, sickness or disease, personal injury, including care, loss of services and resulting death. 
• The following definition is added: “personal injury” means injury arising out of one or more of the following offenses: (1) false arrest, detention or imprisonment, or malicious prosecution; libel or slander or defamation of character, or violation of a person’s right of privacy; or wrongful entry or eviction, or other invasion of the right of private occupancy. 

This endorsement adds a number of important coverage enhancements to your personal protection.  Naturally there are a slew of exclusions that go along with this endorsement. 

For instance if you intentionally slander someone knowing that it’s false information, even with this endorsement on your policy your insurance company will deny your claim. Insurance companies do not provide coverage for intentional slander.  If the slander or libel were innocent mistakes coverage may apply. 

Why is this information important?

Social media, blogs and forums have proliferated in will continue to do so in the future.  Be careful on what you post, because it could come back to haunt you financially! 

As always if you have any questions or concerns about what we discussed in this week’s edition of the Pathway Protection Letter please call or write. 

If you are interested in discussing adding personal injury coverage to your policy please contact our office! 

Next week we will revisit the Flood insurance and water back up exclusion on the homeowners, condo, landlord, renters, and business insurance policy… Sometimes when it rains it pours and floods our basements!

Have a great Wednesday!