kentucky

With the new scores on the doors information released by the council and environmental health how do you choose where to go for a meal? According to the list the only safe places are school and hospital based kitchens.

So basically it’s easier not to get too carried away with the findings of the report especially as cleanliness was only part of the overall score the, other parts were based on attitudes of staff and management.

Here are a few places I have tried and either liked or not.

Blue Stoops is on Matlock road in Chesterfield and offer a lunchtime and evening service. They have a good choice of food for all tastes on their general menu and offer regular guest dishes on their specials board.

The majority of their food is very good and always well cooked. Their chilli is highly recommended but the chicken wings on the starter and platter meals are not fantastic.

The lady chef is extremely friendly and cheerful and is willing to listen to customers and tries to comply with any individual tastes.

If you don’t mind travelling for about 10 minutes then Batemans Mill in Tupton is an excellent place if you like your food well prepared and presented. The food is a little more expensive than the Stoops and there is less choice on the menu but the difference is very noticeable.

All meals are cooked from fresh on the premises and so you will wait a little longer for your meal but the quality of the food is worth waiting for. Unlike some places their mash is cooked using real potato and not reconstituted flakes and the chef knows the difference between rare, medium rare and well done, which many places get wrong quite regularly. The homemade soup on the starter menu is the best soup in the area and definitely worth trying.

If you want to eat out on the cheap there’s always McDonalds or Kentucky Fried Chicken. These are both the same in the quality of food in the essence of, they are fast food places. Therefore it is mainly a matter of whether you want chicken or beef.

McDonalds do offer a restaurant for you to sit in and eat and offer a wider variety of choice including vegetarian, fish and salad options whereas Kentucky is mainly chicken based and no restaurant is available.

If you want to stay home and get food delivered then give Dominoes Pizza a try.

They offer free delivery and their new Meateor Pizza is heavenly. As well as offering a full range of starters and desserts they are for a limited period now offering any sized Pizza for ?9.99. This means that you could easily feed a family of four with a starter, pizza, pudding and drinks for under ?20.

Their food is freshly prepared at their store on Lordsmill St and cooked and delivered generally within 45 minutes.

So there you have it, a couple of places worth trying out in the Chesterfield area if you fancy a night off cooking for yourself.

Ramnath Kashyap is a trader who deals in the wooden decorative items. His office is located in the beautiful valleys of Kashmir from where he transports all the manufactured material to the different parts of the country, but as every body knows, Kashmir has been an active zone of terrorist activities for the past many years. Due to it many times, Mr. Kashyap’s business has suffered a lot. Twice, his office was blazed off, by these sadistic social elements, due to which he suffered a big loss worth in crores. Not only the monetary loss but his inability to supply the orders also robbed him of his goodwill in the market resulting in leaving an indelible stain on his business profile. But not any more, as of now Mr. Kashyap has a general insurance policy by his side. This policy guards him from the loss occurred due to such incidents. General insurance policy in today’s time holds a lot of significance for the people of society, which chiefly includes business class people.

Speaking more elaborately on the topic of ‘general insurance’. It is a concept in the insurance domain that covers all the intangible aspects of life except the life itself which is covered under the title ‘life insurance’ policies. Under a general insurance policy, a person gets a cover against all kinds of uncouth jolts orchestrated by man (whether intentionally or unintentionally) or by the nature. Thus, a general insurance policy offers guard to the subscriber against all kinds of perils such as burglary, fire accidents etc. As said earlier, it even shields the person from the atrocities of nature in the form of floods, Tsunami and even earthquake. Earthquake which is one of the widespread phenomenon around the earth, has been an event that has propelled the popularity of this policy. Not only the damage caused by earthquake but incidents like the recent Orissa floods and not to forget the destructive Tsunami tide which hit the Indian shores in 2006, have been the chief contributors in spurring the demand levels for general insurance domain. Normally, a general insurance policy is for a maximum tenure of one year. An ideal proposition for the likes of traders and for the families, it is one aspect of insurance where people can get their personal assets and other accessories insured. For people who are into business profession, it can work wonders by providing insurance for stock of raw material, insurance of office and other business related commodities.

However, after the recent Mumbai attacks, there has been a steep hike in the demand levels of the general insurance policy. The reason, well it is because, these incidents have been an eye-opener for people living in metropolitan who until now were thinking that terrorism is restricted to the border-aligned areas. But the 26/11 attacks certainly proved that the nemesis of terrorism is finally sprouting in the urban areas too, which accounts for the steep hike. With the introduction of terror based general insurance policy, majority of the people both from the middle class section as well as from the business class are not shying away from the idea of buying the insurance policy.

OVERVIEW:

A common perception about insurance in most African countries is that carriers generally fail to honor policy contracts when insured losses occur, and in most cases resort to fine prints embedded in these insurance contracts to either deny claims or substantially reduce claim payments. Such is the refrain heard not only among insurance policyholders and customers but with alarming regularity from the general public, thus resulting in the adverse and low penetration rate of insurance products and services in most African countries.

Though several factors can be readily identified as drivers of this perception including the lack of adequate understanding of the insurance contract, its terms and conditions, limitations, coverages, exclusions and deductibles including the legal and regulatory framework in various countries; the focus of this article is how the role of insurance marketing and sales, including its technological, regulatory and management strategies, can be utilized as an effective educational vehicle in changing not only the above perception but making the claims process more transparent and beneficial to the policyholders.

There is thus a direct corollary between the marketing of insurance, the technical knowledge of the agent, the types of coverages and policies available and whether a claim is denied or underpaid in the event of an insured loss.



THE SIERRA LEONE CASE STUDY:



For decades the marketing of insurance products and services in Sierra Leone has hinged primarily on the “direct agency” method, wherein companies employed agents earning salaries or as independent contractors being paid commissions on sales to merely sell and market their products. The marketing of life insurance products, property and liability policies such as fire, marine, accident and allied policies were always mostly marketed by these company agents.

For example, while I was employed at the National Insurance Company (NIC) 1981-1985, the company’s sales cadre was its marketing officers who sometimes with little or no technical knowledge of the intricacies of risk management and the insurance products coverages merely sold policies as commodities. The unpleasant task most often in advising policyholders that their claims were not covered under the terms of the insurance contract generally was our responsibility in the claims department. By then, it had become too late to remedy as the right coverage was not either sold to the policyholder by the agents or alternative umbrella policies that could have covered whatever gaps existed in the sold policy were not made available or explained to the policyholder. Mostly issues of lack of coverage, adequacy of coverage for the losses claimed resulted in denial or underpayment of claims.

The sales function of these agents revolved mainly around the marketing of products or policies with little or no product differentiation or creativity in their design and marketing to meet the contemporary risks confronting a country such as Sierra Leone, emerging from a decade long civil war and longing for creative policies to address her developmental aspirations.

For example, the old “Kebbay” insurance syndrome, practiced in Sierra Leone where an insurance company became so notorious in the practice of collection of motor premiums from customers without any concomitant claims payout when accidents occurred. Such a practice as prevalent in the Sierra Leone Insurance marketplace of the 1970’s through 1990’s most be prevented from rearing its ugly head in today’s marketplace.

Marketing as defined by the American Marketing Association (AMA), is the performance of business activities that direct the flow of goods and services from the producer to the ultimate consumer. Property, casualty and liability insurance marketing however not only includes the traditional marketing sales function but incorporates services such as customer needs analysis, market segmentation, product development and distribution that must be incorporated into a successful marketing mix.

INSURANCE MARKETING:

A fundamental principle of insurance marketing dictates that insurance products and policies must be marketed and sold primarily on the basis of the need for security and the ability of the insurance product and policy to provide adequate financial security from fortuitous losses. Moreover, new sources of production of business that includes new ways of selling old traditional insurance policies and products, in conjunction with the marketing of new services, such as risk management, loss control and loss adjustment services should be pursued by insurance companies.

However, in some lines of insurance, a governmental-legal or regulatory compulsion to insure is the driving factor. For example, purchase of automobile liability insurance is required by law in most jurisdictions the world over. The recently advocated proposed requirement of a title insurance policy in real estate transactions in Sierra Leone and a national health insurance or workers compensation insurance policy are all examples of such a legal mandatory requirement.

To a large extent these have and continue to be the principles and services absent in the marketing mix of insurance products in Sierra Leone, thus resulting in recent spectacular failures in the introduction of new products and or failures in the market penetration of various new diverse policies into the insurance marketplace. As an example, the failure of various insurance companies including the spectacular failure of the country’s largest insurance company, the National Insurance Company (NIC) to effectively introduce and market a national health insurance policy (NICARE) since 2004 is a case study of a monumental marketing failure requiring analysis in a future article.



THE SALES FUNCTION:

To be successful however an insurance producer/agent must develop other skills in addition to the sales skills to include:

1) Technical expertise in insurance principles and coverages- as customers usually depend on their agents for guidance in selecting the proper combination of insurance products and identification of gaps in coverages.

2) Skills in the analysis of consumer needs through risk management identification techniques and the tailoring of insurance programs are a prerequisite.

The first step in managing a consumer’s risk needs is through the identification and analysis of the loss exposures to which a customer is exposed or subjected to through an insurance survey. The agent must educate and be able to impact sufficient knowledge of the client’s loss exposures and available coverages and other non-insurance transfer mechanisms to the customer.



SALES MANAGEMENT:



Generally, the concept of sales management in insurance involves the active participation and direction accorded the sales force by management in ensuring the nature and amount of business desired by the insurance carrier. This entails the determination by management of:

1) The segments of the available market that can be reached most effectively by the company’s agents.

2) The nature of the product/policy that will be most appealing to the selected market segments and most profitable to the insurer.

3) How best to select, train and motivate producers/agents to sell to the selected market segments.

The selection of geographic, demographic and or industrial segments of the market to target in the marketing of insurance products ensures effective market segmentation and effective use of resources. The demographic groupings may be further delineated by such characteristics as age, income, occupation and sex.

With the utilization of such a technique for example, diverse insurance policy coverages covering health, medical, accident, disability and
workers compensation to name but a few, could be tailored and offered to such segments as civil servants, parliamentarians, teachers, college lecturers, healthcare providers, Okada riders and farmers throughout the country. The same could apply to the security segment including policies specifically designed to meet the needs of the military and police forces.

Moreover, through utilization of product differentiation techniques in its marketing mix, an insurance carrier can maintain and increase its market share. These can be accomplished by changing the standard coverage provisions in the contract; charging a different price and by providing a different level of service than the competition.

TECHNOLOGIES:

With the gradual installation of computers in insurance companies in Sierra Leone, new technologies are poised to play a major role in the coordination of marketing strategies, planning and studies including new products and services, consumer attitudes, market potentials and sales forecasting. The use of computers for not only accounting, statistical analysis and rate making and issuance of policies and endorsements but also insurance marketing must be vigorously pursued by individual companies.



The establishment of a marketing database by insurance companies separate and apart from the underwriting and claims databases must a step in the right direction in implementation the new marketing strategy.



MARKETING CHALLENGES:



The challenge thus facing the local industry is the need for diversification of insurance products better tailored and suited to meet the needs and development of the country. For while the insurance industry can play a very significant and critical role in a nation’s developmental process, the challenge currently being faced is how our insurance professionals respond by creatively introducing insurance policies, instruments and marketing techniques to serve as a basis for the country’s sustained economic development.

In the United States there are four distinguishable systems for marketing property and liability insurance. These include:

Independent agency system.

The exclusive agency system (also known as the captive agency system).

The direct writing system.

The direct mail system.

The system primarily in use in the Sierra Leone insurance market is the direct writing system wherein individual carriers employ their paid agents and employees to exclusively market only their policies. However, if the insurance market in Sierra Leone is to survive and grow, as new players and products such as the national health insurance scheme and the national title insurance scheme are introduced into the marketplace, then the development of a new bred of producers, agents and marketing systems must be pursued to forestall the failures of recent new policy introductions. These must include and incorporate the direct mail, agency and technology systems.

To effectuate this new marketing goal a sales force must be recruited and trained into the intricacies of the insurance business and policies being introduced and marketed with realistic production objectives, marketing policies and strategies and implementation of an advertisement and promotion campaign.