3 Ways Personality Tests Improve How We Do Business

Post written by Deena James, President of Krueger & James | Service Above Self | Proud Grandmother | Woman of Faith | Chiefs Fanatic

Deena James

Deena James

Several years ago at church, I was introduced to the concept of understanding how to interact with different personality styles. At that time my husband Eddie and I had teenagers so you can imagine how critical understanding them was!

You see, all three of our children are SO very different (I guess that shouldn’t be a big surprise because Eddie and I are polar opposites.) and I knew that understanding their personality traits would be valuable information as they got older.

Since that time, Eddie has become a certified trainer for “True Colors”, which is a way to distinguish personality styles by through the use of colors. He uses this regularly as he teaches high school students now.

Years ago, we made the decision to start screening potential employees for Krueger & James by using a simple personality test. What we discovered is that understanding the different personality styles made us a MUCH stronger team.

We recently took the personality test again with the current Krueger & James team. Why? Here are just a few of the reasons:

PersonalityStyle11. It’s Helps Me as a Leader

As a leader in our company, I want to know how everyone prefers to be communicated with. I’m an incredibly highly dominate personality (for those of you who know me, I’m sure you’re surprised!), but my team is full of every type of personality.

That means that the way they NEED me to communicate with them is very different that how I normally would. Just doing it my way won’t get the job done! I have to temper myself and relate to them. I need to understand who they are, how they think, and how I can adjust my style to help them reach their potential.

2. It Makes Us a Stronger Team

As a team, we need to know how each of us sees the world. Our team has highly dominate personalities, several who have very high interactive people skills, others that are highly process/compliance focused, and we have several wonderfully patient personalities.

We all work well together, but truly understanding our individual styles makes that so much easier.

3. It Helps Us Become More Client Focused

PersonalityStyle2We are a very busy office. Our phones ring constantly and we have thousands of clients. Guess what? All of these phone calls and clients are different, so if we learn to understand the “clues”  as we LISTEN to our clients, we know how they want US to communicate with them.

It’s not hocus-pocus. It’s about using the Golden Rule, but instead of treating others as we want to be treated, we learn to treat others as THEY want to be treated. Pretty cool, right?

This information helps us anticipate how each of us will react when the pressure is on. Since some days at our office or in our daily lives are stressful, it’s good to know how you react and how that might come across to someone else.

It’s also very helpful to be able to anticipate how stress pushes some people over the edge. We know it’s more a byproduct of who they are and knowing that helps all of us be more understanding and supportive.

I wish I could say that I’m really adept at this skill, but hey, I’m learning too. And we aren’t done. We will continue to revisit this training in our office.

And the next time you stop by, you’ll see our charts on the walls. Just glancing at them you’ll see how different we all are, but what an amazing team we make when we work together!

#ForeverRoyal: K&J Team Goes to the K!

Post written by Deena James, President of Krueger & James | Service Above Self | Proud Grandmother | Woman of Faith | Chiefs Fanatic

On June 20th the Krueger & James team and their entire families headed out to Royals stadium. We’re guessing it had to be the hottest day of the summer so far…but hey, we’re tough!

MooseDriving around the parking lot we immediately found a little piece of grass under shade trees & set up our potluck food spread. We had everything from Jason’s famous pulled pork, to hot dogs, brisket, potatoes, chips, beans, watermelon, and more! We gathered our chairs under the shade and enjoyed the time. The kiddos (and there are a bunch) all ran around and played.

Because it was Mike Moustakas Bobblehead Night, several from out team headed in the stadium early. I think everyone that wanted the bobblehead got one! Yes, we are a determined group!

Our seats were in the sun so it was a VERRRRYYYY hot game. Thankfully, the sun eventually went down. And best of all…the Royals WON!

I personally love this Royals team. They all really seem to enjoy what they do and enjoy playing with each other. They pull together, both in good times and in bad. And they have a terrific leader in Ned Yost. They believe in each other, cheer for each other and lift each other up.  They are the epitome of what it means to be a TEAM! At Krueger & James we love the example the Royals have set and strive every day to be that same type of team!

Yes, it was a great night to celebrate our K&J team and the Royals!

We just have one more thing to say to the Royals…. “Keep it up! Let’s win the World Series!”

KJ Royals Day 1

Yes, Virginia, Golf Is Work…By Scott Pearson

Post written by Scott Pearson, General Manager at Krueger & James Insurance/Christian/Civil War Nerd/Future Scratch Golfer

Scott Pearson

Scott Pearson

Have you ever met a person in insurance sales that doesn’t play golf? If you have, then you’ve met a very rare member of this unique fraternity.

To be in insurance sales, you really need to have a competitive fire. Golf is a great way to fan that fire. You also learn a lot about people when you spend four hours (or more) in a golf cart with them.

The CEO of a major corporation was being interviewed one time and said he would always play golf with his young, up and coming, sales force and young executives. He stated he could learn more about people in 18 holes of golf than he could reading their resume or speaking to any reference they could ever provide.

Golf is a game of integrity. It’s one, if not the only, self-policing sport there is. It’s expected that you will play the ball where it lies and not move it to a more favorable spot.

You keep track of your own score. You hunt for your ball in the weeds. If you find you hit the wrong ball, you’re supposed to tell your partner, and your opponent, that you made a mistake and penalize yourself. You get to see if your playing partner has integrity or not…by seeing if they play by the rules.

At Krueger & James we play in several fundraising golf tournaments. Often the special event is put on by one of our clients or a civic organization we’re a member of or one we support. We usually donate prizes or giveaways to help support the event.

A lot of times we ask our clients to play as a “Thank You” for allowing us to handle their insurance needs.
So, without question, at least from my perspective, golf is very much work related.

We’re just really happy it’s so much fun too.

Jason and Scott


Think You Have Hail Damage On Your Roof? Don’t File That Claim Just Yet.

Knicki FijalPost written by Knicki Fijal, Account Executive – Personal Lines

Lightning stretches across the sky, the thunder echoes through the air and the rain sounds like rocks are falling from the sky as it lands. Yes, it’s that time of year again. For homeowners it brings on one of our biggest fears: hail damage to our roofs.

We’ve already seen some severe weather this year and I’m sure we have many more storms heading our way in the weeks to come. So what do you do if you suspect you have hail damage from a recent storm?  Here are some tips:

If you get a knock at the door and on the other side is a guy going door-to-door trying to get on your roof to check for damage, tell them NO THANK YOU!

These roofers are most likely from storm-chasing companies. They migrate to areas hit by recent severe weather. They are in town to drum up as much business as possible….and then they split. Stick with local and reputable roofing companies.

If you think you have damage to your roof, DON’T call your insurance company.

When you make that call to your insurance agent or insurance company and request an adjuster to check your roof for damages, a claim is filed on your homeowners policy. Once a claim has been filed, it’s on your record and, depending on your insurance carrier, could be there for 3 to 5 years.  These can also affect your insurance rates.

That claim is on your record even if the adjuster declares you have no damage and even if no money is paid out on the claim. 

This could also affect your insurance rates. We always suggest having a roofer inspect for damages before calling the carrier to report a claim. We insure several roofing companies that we can refer to you if you suspect you have some damages.

Maybe you’re in a neighborhood where everyone else is getting a roof replaced but you’ve been told you don’t have any damage?

Storms and weather can be very unpredictable, even if the meteorologists think they have it figured out. It could be possible that your house wasn’t damaged by the storm. However, if you feel confident that you have damage, get some estimates from a few roofing companies and then share them with the claims adjuster.

Also be sure to let your agent know of your concerns. If they’re aware of the situation maybe they can help move things along. All of us here at Krueger & James always do whatever it takes to help our clients…providing peace of mind for whatever life may throw your way!

If you ever have any questions or concerns about potential roof damage or need a referral to a good company, just let us know.

Most importantly, stay safe during the severe weather season!

Workers Compensation: What You Need To Know

Post written by Scott Pearson, General Manager at Krueger & James Insurance/Christian/Civil War Nerd/Future Scratch Golfer

Scott Pearson

Scott Pearson

It seems like ages ago, if someone wanted a Workers Compensation policy, the rates, prices and coverages were all mandated by the states.

Times have changed.

Each state still sets their own limits/values for certain work related injuries. Premiums are based on payroll. And year end audits are still a fact of life, but rates aren’t the same any more.

Click on the chart below. Did you know the State of Missouri will pay you more is you lose the last joint of a finger on your dominate hand in a work related injury then if you lose the same joint on your non-dominate hand? (Missouri Department of Labor website)

Disability Image

One thing that’s also different for individual states is who is required to carry Work Compensation. In Missouri, if you’re a retail/service/office type company and you have five (5) employees including yourself (based on conversations we’ve had with Department of Labor employees), you must carry Workers Compensation coverage.

If you’re in the construction industry and have one (1) employee, even an uninsured subcontractor, you must carry Workers Compensation on that employee. The law in Kansas is if your payroll (W-2s and 1099) exceeds $20,000, you need to carry Workers Compensation on your employee(s).

The key to this article is what some/most agents don’t tell you: Even if the state law doesn’t require you to carry Workers Compensation, if one of your employees gets hurt in a work related accident, YOU as THE EMPLOYER can be held accountable for the medical, rehabilitation, and lost wages for that employee as mandated by that state’s Workers Compensation benefit schedule.

Each state has different requirements regarding ownership and the mandate for business owners to carry Workers Compensation on themselves. If you have questions, give us a call at 816-471-4245 and we’d be happy to discuss this further with you.