2. RAY DEPAOLI, AGENT | AMERICAN FAMILY INSURANCE
3143 Western Row Rd | Maineville, OH 45039
Office: 513.234.6157 ext. 85219 | Mobile: 513.460.3594
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Why Choose American Family?
As a business client you’ll get a risk management partner who truly values you and
demonstrates that by providing invaluable services whose cost we could never put a price
on.
American Family business clients have access to the following services.
Business Accelerator program
Professional Loss Control/Risk Management services
Business operations continuation planning
Landlord tool box
Disaster planning
Partner with an industry leader that brings strength and experience.
A strong and stable Mid-West based company with over 85 years of experience.
The 3rd
largest property and casualty mutual insurance company in the US.
24-7, 365 claims and billing accessibility.
Brokerage access with a wide range of products and services that allow us to protect almost
everyone! When others said “no” we said “yes”.
Why Choose the Ray DePaoli Agency:
I will personalize a program to meet your business and personal needs by providing an annual
review of your insurance policies to ensure that you are adequately covered and receiving the best
value for your insurance dollar.
I am an active member of the community and have relationships with other businesses in the area.
I can assist clients in finding services from companies they can trust.
I will assist you in completing an inventory of your business/personal property and keep a copy in
our office for safekeeping, should it be needed in the case of a future claim.
I have over 17 yrs. financial industry experience including Consumer and Business banking,
Mortgage lending, Treasury Management and Securities.
I run my business with guiding principles instilled upon me from my youth growing up on a 60
acre farm in South East OH and galvanized from my 6 yrs. in the Army Reserves as a Combat
Engineer.
4. Program Definition
The Business Accelerator Program, sponsored by American Family Insurance, is in its third year of
offering business coaching for small business owners. This award-winning program uses nationally
recognized coaches to provide participants with the tools and strategies needed to grow—in the areas
of marketing, sales, finance & growth and more.
The curriculum is delivered through a variety of mediums (see sidebar) and is all available on demand
on the Business Accelerator website. This allows busy business owners to access the information when
it’s convenient for them. The program is offered at no cost to the participants and is designed to help
them take their business to the next level.
Participants will learn to:
Develop an effective sales system to grow their business
Market their company and communicate their unique sales identity
Leverage marketing tools that are inexpensive and fast
Better manage cash flow and know how to get financing
Hire A players and build productive teams
Business Accelerator
curriculum is delivered via:
Boot camps—view and
participate online or in person;
also available “on demand”
Webinars—view and
participate live, or view "on
demand"
Online coaching forum—ask
questions, and get answers
from coaches and fellow
participants
E–tips—snippets, sent
weekly, that can be used right
away to grow your business
Tips & Tools—video,
Remember, there’s no cost to be in the program, but people
must enroll at
amfambusinessaccelerator.com to participate
5. Business continuation planning
BUSINESS CONTINUATION FOR A SOLE PROPRIETORSHIP
WHEN YOU DIE, WHAT WILL HAPPEN TO YOUR BUSINESS?
It depends on how you plan. Basically, there are two alternatives:
Liquidation
The business is retained by heirs.
IMPORTANCE OF A BUSINESS CONTINUATION PLAN
When a sole proprietor dies, there are no co-owners who can take over operation of the business. Without a
written business continuation agreement in place, potential problems can arise such as, delays in settling the
estate, loss of customers and possible liquidation of the business. When a written agreement is drafted with
a potential buyer, it can benefit all parties and provide the following: an orderly transfer of the business,
mutually agreeable sales price and terms of sale, and stability for customers, staff, and creditors.
KEY PERSON COVERAGE
Key Person Life Insurance provides funds when you experience a loss due to the death
of a key employee. The key person life insurance policy is owned and paid for by the business, and the
business is the beneficiary of the policy.
Why should you insure key people?
If a key employee dies, it may mean:
• Reduced sales.
• Loss of clients.
• Loss of credit or access to capital.
• Loss of management skills and expertise.
• Time and expense of recruiting and training a replacement.
Life insurance on key employees can help provide the money you need to financially offset these types of
losses.
CONTINUATION PLANS FOR PARTNERSHIPS
Similar to key man except the partners have policies on each other with their spouses or children
listed as beneficiary.
The business owns the policies
6. LOSS CONTROL SERVICES FOR YOUR BUSINESS
CHOOSE AN INSURANCE PROVIDER WHO’S AS SERIOUS AS YOU ARE
ABOUT PROTECTING YOUR DREAMS.
Discover the advantages of American Family Insurance and our Loss Control
services for your business.
Protecting your employees, your assets and your bottom line is in everyone’s best interest. From
conducting in-depth risk evaluations to developing safety plans, trust American Family. We’ll focus
on helping you manage your risks and achieve important safety goals so you can focus on keeping
your business safe and profitable for many years to come. Here’s how:
Keeping Your Operations Safe and Secure Makes Solid Financial Sense
In virtually any business, managing risks and reducing potential losses have an immediate financial impact
on your bottom line. It’s a fact: Those businesses which are safer, manage risk more effectively, and
control losses better are more profitable. Is your business one of them?
The National Safety Council estimates that for every dollar paid on a workers compensation claim, at least
eight more dollars are lost in uninsured expenses like the time required to train an injured worker’s
substitute and the reduction in productivity.* It’s always better to prevent an accident than recover from
one.
Providing a safe working environment not only increases employee morale and productivity, but these
efforts also show up in the bottom line.
Safety Consultants Help You Manage Your Risk
Working with you in partnership, our safety consultants look at different ways to manage
your risks and achieve important safety goals. You’ll receive insider tips,
insights, and even some time-tested advice. Think of it as a true business relationship:
Ask questions, try a few “what-if” scenarios, and think about risks from a new
perspective. It’s part of a four-step process that offers a comprehensive evaluation from
start to finish.
7. Landlord Tool Box
Everything you need to know before you hand over the
keys.
As an American Family customer and landlord, use this site to help manage
your rental properties, reduce risk and save time.
Background Checks
We remove hassles—and expense—from the screening process
Online Forms
Common rental documents in one place to simplify your
responsibilities.
State Tenant Laws
Stay up to date with the rental laws affecting your properties.
Safety Resources
Help protect your tenants with our risk-reduction resources.
Landlord Videos
Watch and learn with these videos tailored to those with tenants.
SmartMove
Remove stress and expense from the tenant screening process with
SmartMove—a partnership with TransUnion. (Requires IE 9.0 or
higher.)
Visit www.amfam.com for more details.
8. Disaster Recovery Planning for Your Business
DISASTER PLANNING - Research from the Institute for Business and Home Safety
(IBHS) shows that of the small businesses that close due to disaster, at least one in four
never reopens. Many others struggle to stay in business. Business protection plans are a
win-win for insurers, agents, and their policyholders. Do you have a plan in place for
your agency in case of a disaster? Do your policyholders have a plan in place in case of a
disaster? If not, help your agency and your customers prepare for and recover from
disasters.
In partnership with IBHS, offers an easy to use disaster recovery planning program called
“Open for business EZ”
OFB-EZ will help small business owners:
Identify essential business activities
Identify risks the business faces.
Create an easy-to-use recovery plan tailored specifically to your business
OFB-EZ will also help answer key questions like:
If your building is unusable, where will your staff work?
How will customers continue doing business with you?
Will you need to repair, replace or rent key equipment?
If a supplier of raw materials is shut down, what alternative supplier will you use?
Where will you keep backup records or product information?
9. Why choose American Family Insurance?
Insuring businesses is what we do. We focus on
what we do well. We’ve been protecting businesses
and families for over 87 yrs.
We take partnering with businesses seriously and
provide additional resources to our clients that
demonstrate that commitment.
We are a mid- west based, Mutual insurance
company with mid- western values. We don’t have
shareholders or Wall St. analyst to answer to.
We say yes when other insurers say no. With our
Brokerage alliance division we can help protect
almost any business.
Why would you trust your future, your livelihood, your
dreams to just anyone?
“The bitterness of poor quality remains, long after the
sweetness of low price is forgotten”.
