Customer service persuaded this business owner to act - Business Courier of Cincinnati:

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It was September 2004. In the heart of one of the heaviestf hurricane seasons that rattled the insurance industr in Florida for years Flowers Lown, and her husban Jesse Lown, had just closed on a building for their new commerciakl upholstery and interior decorating business, “Wed waited several weeks because no one was writing policies,” said Flowers Lown, the company president. Though she talked to many she said was the only insurer that said it coulcd provide coverage within afew weeks, which allowecd the couple to close on theifr building. It was the reliability and response that were the most importangt to Flowers Lown when finding insurance for hersmalkl business.
The professional relationship with aNationwide , also played a key role in her keepiny the same insurance for the followinh years as A Cut Above Interiors “If I have a I can call right now and I don’ty get a 1-800 I get a live person,” she said. As a small-business Flowers Lown said she used to dislike the thoughtrof insurance, but finding a company that was willing to educate a business owned was very helpful. In additionj to the liability and property insurance that a businesxowner needs, health care insurance was a large challenge for Flowerxs Lown.
“It is very hard for a small-business ownere to get affordable healthcare coverage,” she Flowers Lown eventually switched the business’sx health care insurance to Aetna from COBRz Continuation Health Coverage. During that switch, Flowers Lown said she receivecd a numberof quotes, but it was one independentg agent, Garland Hudson from , who came to her offics and educated her on the coveragwe that led to the During difficult times or when business is it can seem easier to cut insurancd to reduce expenses, but Flowerss Lown has never considered it.
As someone who is contractedd for upholstery projects for everything from businesses and individualw to the cityof Jacksonville, Flowers Lown said she not only requires her business to have full but every subcontractor she hires must have their own liabilituy coverage. To become a small-business owner, “you’re giving up benefits in working for abig company,” she “On the other hand, you don’t want to spensd life with a company you don’t enjoy just because of the It’s a leap of faitn and the determination that I can find the righr coverages on all of this and pursuw my dreams.
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