About Us
Hi, my name if Fernando Page. I've been in business in North Richland Hills, TX since January 1999. After many years in business the most important thing I've leaned is; Take care of your customers and your customers will take care of you.
The products and services we offer
Recommendations Received (2)
"Customer Service, affordability and a straight shooter. Fernando will get you the best deal..."
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"Customer Service, affordability and a straight shooter. Fernando will get you the best deal possible in record time. Highly recommended for all of your insurance needs!"
Recommendations Given (3)
"Amazing lights, stage and sound! Great place to play or listen to other bands!"
"A true gentleman with a keen eye for taking people's portraits. Highly recommend."
Recent Activity
1. Ask for a Certificate of Insurance from issuing company, not just a "copy of your insurance". Because said copy may no longer represent said coverage if the policy has lapsed. Not a lawyer, not giving legal advice however, in the event of an uninsured defendant, Texas Homestead Law protects...
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1. Ask for a Certificate of Insurance from issuing company, not just a "copy of your insurance". Because said copy may no longer represent said coverage if the policy has lapsed. Not a lawyer, not giving legal advice however, in the event of an uninsured defendant, Texas Homestead Law protects defendants up to certain amounts. Which means suing them could cost you more than what you would get out of them, if they are uninsured. 2. GL limits should be enough to cover a total loss and related expenses. For consideration: A. Residential i. Loss to dwelling ii. Loss of personal property iii. Additional living expenses B. Commercial i. Loss to building ii. Loss to business personal property iii. Business interruption. Just for example. Every situation is unique. If calculating hypothetical losses is too difficult for you, you might consult with a CPA to assist. So basically most General Contractors, even large entities like Apartment complexes and Municipalities ask for a $1 Million General Liability limit as well as some level of protection for Products and Completed Operations. However you have to know, if a contractor is responsible for a total loss of property, plus related financial loss, how much would that set me back? I hope this points you in the right direction.
That's a bit vague. I would need more details concerning the kind of product and the full extent to which it helps Veterans, before I could rough draft a marketing strategy.
Just off the cuff would be to rent a booth at a Big I convention and/or PIA. However, both organizations are...
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That's a bit vague. I would need more details concerning the kind of product and the full extent to which it helps Veterans, before I could rough draft a marketing strategy.
Just off the cuff would be to rent a booth at a Big I convention and/or PIA. However, both organizations are different, and I would need more information, if I would even recommend these events at all.
Ultimately this is casting a wide net. It’s not targeted based on product, so results would probably be little.
Also there are many business entities claiming to have charitable affiliations that are either non-existent or offer a mere pittance to the charity they are affiliated with. So relationship from your company to the veterans would need to be very explicit and verifiable.
Is there a 501c3?
Will any part of the purchase be considered a tax deductible donation to a non-profit?
Insurance companies will want to verify these facts before becoming affiliated with you as their reputation would be put on the line.
If you’re not wanting to hire a marketing consultant for professional assistance, feel free to buy me lunch or dinner, and I’ll give you a 1-hour freebie, that could at least point you in the right direction and get you started.GOOD LUCK!!!
Helped grow large entities able to take full advantage of search optimization and large advertising budgets, so that the per capita call to action result cost was relatively low. Also when this started there were start up's who were able to purchase market shares and stayed well ahead of any loss...
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Helped grow large entities able to take full advantage of search optimization and large advertising budgets, so that the per capita call to action result cost was relatively low. Also when this started there were start up's who were able to purchase market shares and stayed well ahead of any loss ratio curve due to staggering year by year growth. This dynamic put many small, mom and pop, agencies out of business. My wife and I saw it first hand.
However now that growth in that model has leveled off, many of said larger entities have had to re-adjust rates, because they're not longer able to stay ahead of the loss ratio curve, as they are no longer growing exponentially. This has created more level opportunities in the market place; however it will never go back to the way things were.
I've seen consumers return to dealing with smaller agencies because they realized, in every sense of the word, the value of personal business relationships. They know they can call me or my wife Rosana and one of us is going to personally take care of them and see their situation through to a satisfactory end. We know our customers by name and they know they can count on us!
We've picked up a few over the years via the internet but they're usually "tire kickers" if you understand my archaic reference. Fair weather clients, here today and gone the next.
Conversely walk-ins and referrals have tended to say on the books. Which is why service is so important.
We don't ever pawn our customers off to our insurance companies for service. We never say "We're just the agent... You need to call the company for that." Because we train our customers to come to us for ALL their insurance needs. The only exception being claims, because we are not licensed claims adjusters and prefer these matters handled by professionals, as we don't want an E&O claim. However if a customer ever has a problem with a claim, I will get involved in holding either a claims adjuster's feet or my companies feet to the fire, so that everyone is justly indemnified.
I'm anxious to see how taking net neutrality away effects my business if any, since I don't have a huge web presence, in the first place. My only speculation for now, is that it will increase the cost of business for entities large enough to compete in this arena, so that the per capita call to action response cost goes up, thus increasing rates.
Companies who rely on the internet for their business will either have to increase premiums or go after cost, which unfortunately usually means a dogged reluctance to pay claims, as an unwritten company policy; not ethical or legal but very real in the realm of insurance. To the extent of companies being sued for these practices by State Attorneys or Insurance Departments. This has happened during times of catastrophic loss such as hurricanes or tornadoes, and it has literally such companies down.
However companies that work with independent agencies should be steady as she goes as they don't covet the online business anyway.
In summation, keep you business with local mom and pop agencies as they have relationships with companies who are not espoused to the internet for business and these are going to be more stable companies to place your business, with stronger customer relations and better claims processes.
