Meet Lynn Harp of Harp Insurance

I am Lynn Harp, broker for Harp Insurance Services. I am a graduate of Purdue University in Building Technology and Mechanical Engineering. I have maintained my Professional Engineering license and Architectural Design career since 1960 to the present. I am retired from this field of expertise.

As the broker for Harp Insurance Services, I am licensed as a Life-Only and Accident and Health agent since 1990, and a Property and Casualty Broker-Agent since 1998.

In 1990 I had a change in my consciousness from design of materials to the desire to discovering what people’s personal financial security needs were and how I might help in solving their problems. I enjoy solving problems!

Insurance became my focus and I went to work developing my client base. Over the years, I have met maybe 1000 people and discussed personal needs for life insurance, buy-sell agreements, health insurance, disability insurance, Medicare, Medicare supplements and long term care. In 1998 I expanded my product line and began to write property and casualty insurance, which includes home owners dwelling and commercial insurance.

As an entrepreneur, what is the one thing you do over and over and think others should do as well when they are starting/running a business?

As an entrepreneur in Insurance you must get to know your client and focus on their needs and present position in life, such as, health, marital, family, financial and future visions, and how they may obtain that future vision. You must show concern for their present position and not judge, we all have a life to live and we all are at different times in that cycle. I value education and protecting the financial interests of the consumer. Poor health with no insurance can put an individual in the poor house very quickly. Death to the bread earner in a family can change everything and even leave the family financially distressed. I enjoy open communications and building a relationship with my prospective client. Open means everything is on the table to consider.

What does your typical day look like?

Insurance broker-agent is a life-long devotion to providing the insured security and peace of mind. My reflection of a typical work day involves policy renewals, new business quoting, and client communications on the phone and internet, or face to face in client meetings. Mostly it’s about all forms of communications and backing that up with documentation.

Did you have a mentor? Who was it? How did they impact your life and business?

My mentor in 1990 at the beginning of my Insurance career was Principal Financial Group from San Jose, CA. where I was changing my focus from Engineering to Insurance Sales.

What is something that you believe is true, but no one else agrees with you?

Insurance is a necessity for all of us. We all owe something to someone, even if you own nothing.

What current trend is really exciting to you right now? My enjoyment in the present world of insurance is the technology of on-line applications for practically all types of insurance from Life and Health insurance to Medicare Supplement and Dwelling and Business insurance. As an agent, we spend less time in the car and more time in the office 24/7.

What is the best investment you have made that helped you get where you are today?

My best investment that I have made is continuing education in all Insurance products.

What would you consider to be your greatest business success?

Placing a buy-sell agreement in place for two business owners and learning the outcome when one owner passed on. I witnessed the security that the buy-sell agreement gave to both the living as well as the deceased partner’s spouse.

What are some of the online tools that you use in your business on a regular basis? What about them makes them valuable to you?

Like many Brokers-agents we lose clients along the way. Insurance products change all the time and every day. Some clients get caught in shopping when in fact they should stay with their most trusted broker-agent. In these situations, I tend to become neutral and not aggressive to sell the client on his/her present position as being the best.

What are some of the online tools that you use in your business on a regular basis? What about them makes them valuable to you?

The online tools today are coming from every Insurance Company, because it saves both the company and the broker-agent operating dollars and increases the speed of placing business. E-mail is a given, and other digital communication apps, such as Facebook, are increasingly essential to advertising.

Who do you follow on Facebook or Twitter that inspire you in your business career?

Just in the process of advertising Harp Insurance Services on Facebook.

If you had to start your business over again, what would you do differently?

Hire more Agents and train them to be become ethical producers.

Where do you see your business in 5 years?

Serving Mariposa and surrounding communities with the latest insurance products, along with my wonderful wife of 41 years, Cindy Harp.

If you closed your business today, what would you do tomorrow?

Go play golf or go fishing every day.

Name up to 5 people that you would think in your speech for Business of the Year, if you won:

My Parents, in teaching perseverance. My spouse in knowing that Love is powerful. My Pastors in developing the tools to understand clarity of Mind and Body and that God is in everything we think and do.

Posted on March 14, 2017