Business Insurance Broker
Below are some of our recent successes in helping clients with challenging insurance situations. Here are some key highlights from our experiences:
Adult Day Care Center
We were able to secure coverage for an adult day care center that was being non-renewed due to a car accident. This is particularly noteworthy because:
- Adult day care centers can be a difficult class of business to insure
- The client was facing non-renewal on all policies, which is a serious situation
- We leveraged our existing relationship from a previous sales call to help place the business
- We succeeded in finding carriers willing to take on the risk despite many declinations.
Beauty Supply Store
Working with a beauty supply store client We were able to help save significantly on premiums:
- The client was facing a large premium increase.
- Through a comprehensive review of coverages and exposures, you identified ways to reduce costs
- Our efforts resulted in $20,000 in premium savings for the client
IT Consulting Firm
We helped meet complex coverage requirements for an IT consulting client:
- The client needed $10 million in aggregate coverage
- Their existing carrier couldn't provide the necessary excess coverage.
- I put in considerable time and effort to meet all excess requirements
- We were able to successfully secure the high coverage limits that were required.
Our ability to solve these challenging insurance scenarios demonstrates our expertise and dedication to finding solutions for our clients. As I noted, it may not always be easy, but our persistence and knowledge allow us to navigate difficult situations effectively.
I began my career in insurance February 2015 as a Group Health Administrator & Benefits Coordinator and because I am Bilingual, I was promoted to Director of Group Health Enrollments that same year. I accepted an additional position as the Commercial Insurance Broker June of 2015.
While at James Zander I formed many lasting relationships with customers, underwriters, market representatives and especially with my co-workers / friends. Each and every one that I mentioned helped me grow in my career and I am very grateful to them especially that one customer/friend that gave me feedback on my shoes. They know who they are, so I won't mention them by name.
I want to give special mention to James Zander who brought me into the Insurance Business. James was my friend, my mentor, and my rock. I am forever grateful to him for everything. James and my family are the main reason for me starting my own agency in 2022.
FYI - He always had a smile on his but never would remember to wear his seat belt.
Contact Us
Joal Ramirez 469-939-6905 joalr@jramirezinsurance.com
Hours
Monday - Friday: 9am - 6pm
Saturday: 10am - 2pm
Sunday: Closed
